AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Regarding Citi HHonors Reserve credit card account : Received letter dated XXXX XXXX 2015 from Citi, stating that Citi had failed to notify cardholders one month in advance of billing for annual membership fee ( as presumably Citi is required to do ). Letter said that refund for fee could be obtained by calling number given in letter, *but that calling to obtain refund would result in Citi closing the account. * Called number, rep did n't know anything about it, said supervisor would call back, never happened. 
Evidently Citi erred by failing to send the required one month 's notice of annual fee ; is required to offer a refund because of that failure ; but is penalizing those who seek a refund by closing their accounts. **The consequence of closing the account amounts to a threat intended to dissuade cardholders who are legally entitled to a refund from seeking that refund. ** 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving calls from an unknown debt collector. They have not given me any information as to who they are, a physical address, and call me day and night, after I have repeatedly asked to only contact me through mail. Now they have called my work without my permission. I do n't even know how they got my work number, and jeopardizing my job by doing so. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I worked very hard to pay down my credit card balances and improve my credit score. Transunion for some reason has the same credit card on my credit report XXXX ( no other credit bureau has this mistake ). I have phoned several times to have this issue remedied. When phoning the first time in early XXXX, I verified with the representative that both of these items had the same account number, an obvious duplication. I was told an investigation would take place, which might take 30 days. I am not satisfied with this response, particularly with the duplication being so obvious. I then followed up with XXXX who then sent me a letter via email, verifying that I only have XXXX credit card account with them. I faxed this to Transunion who stated that this new item would be reviewed within five days and a determination made. I instead received a letter stating the new documentation would extend the investigation to XXXX XXXX. This is unacceptable. This issue is affecting me financially and emotionally. I am trying to secure a home, but can not because of this issue. My family is planning to move, but is delayed because of this issue. I am being denied because of my Transunion score which is inaccurate. I am attaching all documents sent to Transunion. 

Company response: Company chooses not to provide a public response
Consumer complaint: Deposited XXXX $ into an ATM, it spit back XXXX $ the machine then ended the transaction with no credit to my account. Contacted bank ( BBT ) they started a review and then credited my account XXXX $ shorting me XXXX $ 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to you under a Power of Attorney given to my husband and I by our son XXXX XXXX XXXX. Bank of America is giving us what can only be described as the " run around. '' In approx. 50 days, XXXX XXXX XXXX, our son 's payment on a HELOC issued by Countrywide will triple. He has been paying interest only on the loan for 10 years, so he has paid them roughly {$35000.00} in interest. He inquired about a refinance or loan modification in XXXX XXXX, which was denied by XXXX XXXX. When we finally got her to call us back to inquire about the confusing denial letter, she said the correct way to proceed was with a Making Home Affordable Application. She requested and we sent her the POA and on XXXX XXXX, XXXX, we XXXX the completed application. On XXXX XXXX, XXXX, BoA issued a letter to XXXX saying that XXXX XXXX would no longer be our dedicated representative. The letter gave us a new number to call for status : XXXX. A loan specialist named XXXX called our son XXXX XXXX XXXX on Wednesday XXXX XXXX, XXXX. Our son referred the loan specialist to XXXX XXXX XXXX under the POA. The loan specialist said he could not find the POA in the Bank 's document system. He asked us to fax it again which we did. The fax was confirmed. Checking back with BoA we were connected with XXXX different people each of which could not answer our inquiry and none of them could locate either POA, nor the application. I feel certain that these are delay tactics in order to spin out the time until the payment triples and then they will sell the loan making modification nearly impossible. I wrote to the monitor recently because I do n't think BoA is acting in good faith. It is overlooking a whole category of borrowers drowned by Countrywide. I am attaching the letter to the monitor and XXXX complete application which states how he was harmed. Anything you can do in this case to make sure XXXX gets full and fair appreciation will be greatly appreciated. XXXX XXXX XXXX XXXX ( by POA ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a consumer Credit Card called Home Depot Card through Citi Bank. On XXXX this year, I made some purchases on-line for home improvement which was 24 months no interest per Citi bank advertisement. However, due to wrong estimates by Home Depot associates and lack of their stock, I had to return all material which yet to be delivered to me. I was told by Citi and Home Depot that the credit would take few days to appear on my credit card. 
There were some partial refund and an amount of {$480.00} was never refund as of today. I had so many communications but Citi is non-responsive. Sometime, even they response, the response has totally out of context and just to harass me. Failing to get a response from Citi, I wrote to Citi President XXXX XXXX and some other senior leaders. As attached, you can see there were no responses. 
Recently, they change my payment due to from XXXX of each month to XXXX of XXXX so that I can miss a payment and they can say, " oh, you have failed to make the monthly minimum payment on time and hence you are not eligible to get the promotional offer, you will be charged 15 % to 24 % interest rate until the amount I paid in full. I am attaching all correspondences ' here with this complaint. 
I have asked them to close my account but they have failed to do so as of today The fact is, Citi bank is in the habit of malpractice and as I can understand, few millions penalty by your office is not enough as they make billions of dollars by fraudulent means victimizing the consumers like me. Today, I have sent them another deadline asking them to close my account for the second time 

Company response: Company chooses not to provide a public response
Consumer complaint: Apparently, the company has flagged my account for a collection for an amount of {$18.00}. I have no idea who they are or who I might owe this amount to, because I have not been contacted by anyone about this, as far as I can recall. I contacted the company and left a voicemail with my name and phone number in case they decide to contact me directly. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've been XXXX ( XXXX XXXX ) credit card holder since XX/XX/XXXX. My credit line was {$20000.00}, I never went over the credit line limit and have always paid my balance on time and in full. This credit card has a reward program with 2 % cashback on each dollar spent. 

My credit card was suddenly closed by the credit card company in XX/XX/XXXX. When I called to inquire about the reason for closure I was told that the credit card company can close any account for any reason or no reason. I legitimately earned {$180.00} cashback which I tried to redeem but was not able to do so, online nor over the phone. I was told the rewards were forfeited because the credit card was closed. 

The rewards show in my account as available as of today XX/XX/XXXX, I earned these rewards ( cashback ) by using the credit card. I did n't do anything against the terms of service but XXXX XXXX XXXX does n't want to pay the rewards. 

Please help me to deal with this company to get my rewards of {$180.00} I earned. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit card issuer is reporting inaccurate information to my credit reports in violation of the FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an account from XXXX state which is corrected by the university and it has been fixed on my XXXX and XXXX but transunion is still showing that account. This is account was established because I did n't submit proper paperwork to the university but with the help of the treasury department president everything was corrected. They have already sent the update out deleting the negative information and balance. Transunion has failed to comply with the FCRA standards and displaying correct information. 

Company response: Company chooses not to provide a public response
Consumer complaint: CREDIT PROTECTION ASSOCIATION IS TRYING TO COLLECT $XXXX FOR UN-RETURNED CABLE EQUIPMENT TO BROADBAND CABLE.THE EQUIPMENT WAS RETURNED VIA CERTIFIED MAIL AND I HAVE THE RECEIPT. IN XX/XX/XXXX CREDIT PROTECTION ASSOCIATION COULD NOT VALIDATE THIS DEBT AND WAS REMOVED FROM MY CREDIT REPORT. IT HAS SINCE POPULATED AGAIN. I NEED THIS DEBT CLOSED AND REMOVED FROM MY CREDIT REPORT ASAP.
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a US Bank Mortgage nearly 4 months ago and my loan officer indicated that my file was underwritten near 4 weeks ago and I responded to XXXX questions from underwriter. 

I was supposed to close on my new home in XXXX on XXXX XXXX 2015 and at this stage US Bank is indicating that they can not let me know when my home will be funded and closed. 

Also US Bank has had my file with their compliance department for over 2 weeks and I am very upset and disspointed with the whole process. 

Company response: Company chooses not to provide a public response
Consumer complaint: on or about XXXX/XXXX/2015 a tree fell on our house doing damage to roof. the work has been completed and wells fargo is refusing to release payment to the contractor unless we agree to a repayment plan on our mortgage. the insurance is paid by me out of my own pocket. 

XXXX XXXX ( my wife ) has spoke to wells fargo several times first time they said no problem we will send out the paperwork right away. the paperwork never comes. XXXX calls again wells fargo says sorry that we never received the paperwork that their records show it was sent XX/XX/XXXX and will XXXX the paperwork out immediately. the paperwork never shows up.XXXX calls wells fargo again this time wells fargo says they cant send the paperwork until they receive the check. XXXX and I sign the check and send to them. wells fargo told us that once the work was inspected they would release the money to the contractor. now today XXXX/XXXX/2015 wells fargo says they will not send paperwork or release money to contractor unless we talk to the mortgage division and can work out a mortgage repayment plan. 

XXXX 2015 Wells Fargo filed foreclosure in XXXX county court and my Attorney XXXX XXXX has answered the summons and has request it to be dismissed and or sent to mediation. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to dispute the status and terms of XXXX student loans I used to have. The first is listed as XXXX, and has an account number of XXXX. The amount is currently listed as {$6400.00}. The second is listed as XXXX, and has an account number of XXXX. The amount is currently listed as {$7300.00}. I have no loan with either XXXX or XXXX with a balance at this time. All are closed with a {$0.00} balance. 

Both of these accounts are actually paid-in-full, closed, with {$0.00} balances. I have attached the letters that I received from both XXXX and XXXX. However, Experian continues to report them incorrectly with incorrect status and terms. The creditor states that they have updated Experian 's records, yet this does not occur. I try to dispute them with Experian, but Experian states that I have used my " maximum number of views '' and therefore I can not view the report that I must initiate a dispute off. Of course, I can if I pay Experian, I am sure to be allowed to view a credit report so I might fix their error. I would like these accounts updated to reflect the actual account terms and status or removed from my credit report altogether. These credit reporting companies really restrict an individual 's access in order that they can not easily or quickly correct an error on their credit report. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: It began when my relatives kept receiving phone calls that I owed to a payday loan company that I never took a loan out on. My relatives gave me the debt collectors contact info, and I returned their phone call. They proceeded to say that they had served me with an affidavit to an address I have never dwelled in, XXXX, and that this was an issue of a loan taking out in XX/XX/XXXX. I checked my bank statement to corroborate their story and I did not receive any fund in the timeframe they are accusing me of. I proceeded to explain this and asked if they could send me a copy of this affidavit, and they proceeded to say they do not bend over backwards for people that did not pay their bills ; than when I preceded to say it was public record, and it should not be that difficult they hung up. About a week later the same company called me this time after my relatives said they would report them. They proceeded to tell me the same song and dance, and I told them it is XX/XX/XXXX the fictitious debt you trying to collect is too old. Than they said you live in this state or this state, and I said neither, than they said where you live, and I said if you have an affidavit for my arrest you should know. Than, I got transferred again I told this individual that I was in the military at the time of this so called payday loan and military members are not allowed to get payday loans, and they said that 's not true, when indeed it is. And I told him if I had a warrant out for my arrest I would not be able to have a job that has a XXXX, which I do. He than proceeded to yell and scream and call me a scumbag that does n't pay my bills, I could n't do anything but laugh because they got caught in their own scheme, and were getting mad at me, then they hung up. I received one more phone call with them stating they have my commanding officer 's information from a base I have not been stationed at for years, and I told them good luck with that, than the hung up on me again. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I am currently in the process of looking for financing for my first home. I contacted Flagstar XX/XX/XXXX, XX/XX/XXXX to get pre-approval for a mortgage. I contacted this company because the Michigan State Housing Development Authority listed a representative named XXXX XXXX as an experienced MSDHA lender. I contacted XXXX XXXX and gave her all my required information to get a pre-approval. I spoke with her a couple times and the last time she advised me she would call me back with the information the next day. I did not hear from XXXX XXXX by XXXX the next business day, so I gave her a call. She advised me that she had actually resigned and would advise her former manager to take over. This threw me for a loop and frightened me. I was not sure if this lady was legit and I had given her all of my personal information. I contacted another officer at Flagstar named XXXX XXXX and he advised me that in order to take over my file it would have to be transferred to him. He advised me that he was not allowed to take on someone else 's case and provided me the number to corporate. I spoke with an operator from corporate who provided me the number of regional director, XXXX XXXX. I contacted XXXX XXXX twice and left one message. I never received a response back. I called the corporate branch office and spoke with a very pleasant and helpful XXXX XXXX who contacted XXXX XXXX and advised me that he would call me back after his meeting. Eventually XXXX XXXX 's former manager XXXX XXXX got in contact with me and advised me that my file was transferred to him. He advised me that he would need to call me back the next business day because I was seeking MSDHA assistance and he had little to no knowledge of the process and would need to seek assistance from a colleague. He did not call me back. So after XXXX on the day he advised me he would call me back I called him and left a voicemail message. It has been 23 hours and I still have n't not heard from him or anyone at Flagstar. 

Company response: Company chooses not to provide a public response
Consumer complaint: After Chapter XXXX bankruptcy discharged, TransUnion continues to report multiple judgments on my credit file. XXXX agency deleted these judgments but TransUnion and XXXX continue to report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am the treasurer of my condominium association and in order to assist in the closing of one of our units, US Bank requested a balance sheet of us ; our CPA provided one at a cost of service {$250.00}. The bank stated the bill would be included in the closing and we would be reimbursed. This promise was made in a number of emails before and after closing. I also demanded payment a number of times to no avail. This last request I was told the new owner would pay the bill. The new owner knows nothing about this arrangement. I can not get satisfaction from the bank and think this is very unfair. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have put in a dispute with XXXX, but nothing became of it. I am looking for some one to help us with American Servicing Company XXXX mortgage. Our payments were close to {$2300.00} a month, my husband lost is job with XXXX. Went through a Lawyer firm we paid {$2900.00} and after a month and a half said they could not do any thing for us, We lost that money. We are dealing with XXXX XXXX who is doing their best getting our interest rate down and lowing our payments to what we can afford. We have not paid a mortgage payment since XX/XX/XXXX. Husband is XXXX XXXX with our son, giving him XXXX % of the pay checks. He dose not work he dose not get paid, just like this XXXX Holiday. I 'm working making XXXX biweekly working for XXXX My credit went from over XXXX + to XXXX, even with Preferred Law working to help us paying them {$650.00} a month for 6 months. Please look into this for us we really need someone to get down to the bottom off this and find someone who is willing to work with us until we can get back on our feet and be able to pay a mortgage payment. We are really struggling. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a long standing customer of Citibank and about two years ago my husband and I signed up for the CashBack credit card. About 6 months ago my husband very quickly passed away due to XXXX. When I went to claim my cash back rewards, I was told that only the cardholder can receive the rewards. As the secondary holder, I was not entitled to claim them. 
I have been an earned in this unit, I take care of bill paying and I am the primary consumer with this card. I was insulted that I was not considered a partner because I have always been one in my relationship. I find this a discriminatory practice, particularly to older women. We have enough issues with the death of a spouse to then be slapped in the face by this discriminatory policy of Citibank. In addition, I was rudely treated by the XXXX collection agency before the last bill on this account was received! 

Company response: Company chooses not to provide a public response
Consumer complaint: I was able to view my Experian Credit report online and investigate negative information. At this time when I try to enter in my information though experian.com the site will NOT let me view my information. And Experian will not let me investigate my negative information. 

Company response: Company chooses not to provide a public response
Consumer complaint: To Whom it may concern, I am extremely unhappy with the recent finance charges charged to my Barclay card account. I applied to this card via XXXX solicitation. When I applied, I was under the impression I had 18months at 0 % to pay this off. Apparently, I had only 12 months at 0 %. Which was not made clear whatsoever! This is the first card I 've done online statements with and never checked them because I always pay each month on time and thought I had 18 months to pay it. I received no notification via mail, phone or online saying my 0 % was expiring. The only reason I noticed something was wrong was because my account balance was off. I 'm truly disappointed that no one could call or make it easily and visibly apparent my 0 % was up by putting it on the main personal dashboard page and/or in the online payment section. I feel duped and taken advantage of ... .bait and switch for sure! I 'm a good paying customer and will no longer be a customer due to this method of business. While I appreciate the partial refund, I do not believe I owe anything because I was not aware my 0 % was up and believe they want online statements to gain money from unaware customers like myself. I believe I am owed back the difference I 've been forced to pay in interest. They charged me the interest for the entire year because my 0 % was up ... I had money to pay in full but was going to pay monthly because I thought I had 0 % for 18 months. Almost {$200.00} ... Unreal! From what I have found online they have done this to many many customers!! Appalling and criminal! 

Company response: Company chooses not to provide a public response
Consumer complaint: I co-signed on a Cash Call loan for my XXXX XXXX in 2013. My brother immediately defaulted on the loan and I was left to pay it off. Unfortunately, I was layed off from my job shortly there after and was unable to keep up the payments. 
So, now I have a Cash Call amount of XXXX on my Credit Report. I have contacted Cash Call to set up a Lump Sum payoff, but they refuse to speak to me regarding this loan, since I am not the " Primary Signer ''. I need this Cash Call off of my Credit Report to move forward with a Refinance that I am attempting to complete. 
In short, I need your office to contact Cash Call and find out how I can pay of this debt & how long afterwards before their company is off of my Credit Report. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On XX/XX/2015 I refreshed by Trans-union credit report with via the website. However, I was shocked to see my credit score drop from XXXX to XXXX. I was shocked because I paid down {$13000.00} in debt 2 weeks prior to refreshing my report. I called Trans-union only to be told the score dropped because they use an updated/revised score rage from XXXX to XXXX which lowered my score. I disputed this with the representative only to be placed on hold for XXXX mins I disconnected the call me due to the excessive hold time. I confirmed with XXXX and XXXX that my credit score remains in the the XXXX to XXXX rage. 

Company response: Company chooses not to provide a public response