AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Opened a credit card account with Bank of America and charged using a 0 % APR promotional rate. According to BAC that rate ended on XXXX/XXXX/2015. On XXXX/XXXX/15 BAC sent me a statement that indicated a balance of {$6500.00} ( I have no idea where that XXXX came from ) with NO indication that any interest would be charged to the account, no indication ( as they NOW tell me ) that I need to call them for a payoff amount. I immediately sent them a check to cover the ENTIRE balance ( {$6500.00} ) which they credited to the account XXXX/XXXX/2015. To me that should have paid the entire account in FULL. The next month I get a statement from BAC claiming that I now owe them {$25.00} in interest on the account. I feel that is VERY DECEPTIVE ; consumers should have an expectation that paying off an account IN FULL well before the due date ( indeed, only 8 days past the statement date ) that there should be NO huge interest fee charged unless there 's some indication on the statement that this will occur. This is a very deceptive practice and I 'm sure I 'm not the only one who has been scammed by this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2015, I began an investigation of XXXX with ExperianSPECIAL SERVICES REP named " XXXX '' .I uploaded proof to XXXX and lateruploaded a letter ( attatched here ) summarizing the dispute.According to FCRA, I disputed the account as inaccurate/incomplete and according to law was specific. 
After investigation the account does not contain a " date of XXXX delinquency '', there is no " date closed '', the amount paid on " date of last payment '' is not zero.THE WRONGFUL REPORTING causes the fico score to calculate the last time late as about 2 yearswhen it is about XXXX years.In addition the creditor amounts due are usurious, excessiveand illegal according to the 2009 CREDIT CARD ACT.EXPERIAN VIOLATESREPORTING LAW AND THEREBY COLLUDES WITH THE CREDITOR. 
I HAVE RETAINED AN ATTORNEY TO HANDLE THE CREDITOR AND EXPERIAN. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing an additional complaint on behalf of Case number : XXXX. I have heard back from Wells Fargo in regards to the deed in leau, but it is the same response as always. XXXX ( the home preservation specialist ) stated I need to submit the same exact documents that they already have on file and then made up additional documents that they 've never needed before. I requested that they send the ENTIRE list of documents needed in one letter so I do n't have to keep re-sending them, which I 've never received. This was all before XX/XX/XXXX and now I have heard NOTHING back from them since. I also reached out to XXXX XXXX, but she has yet reached back to me to respond. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX over ten days from the clients sale date of XXXX a modification package was sent in. ( please see attachment ) On XXXX Pacific Union confirmed receipt of all docs and stated nothing was needed. 
On XXXX XXXX with Pacific Union stated a missing document letter was sent out on XXXX but " had already expired. '' She stated that a letter of explanation was needed for deposits into the homeowner 's bank account. She stated that it was too late to send it. The Letter of explanation was sent that same dayPacific Union was called on XXXX, XXXX and they stated that they did not have receipt of docs as of yet. That it can take up to 5 days. The first time the initial package was faxed and emailed in, it was received that same date. It was very apparent that the lender was purposely avoiding acknowledging receipt of the documents in order to foreclose on the home. The documents were not only sent in a timely manner, but the fax confirmation and email were kept as record. 
On XXXX Our office once again spoke with XXXX who stated there was still no update. When asked what the delay was on receiving the documents she rudely stated the following- " You are not the only one in the world attempting to do this. '' A supervisor was requested but she claimed all were in meetings and no one was able to assist on the file. XXXX stated that the home would go to sale on XXXX as the review of the modification would not postpone the sale date. 
On XXXX the homeowner received a letter dated XXXX stating the loss mitigation package was received. That the deadline to send in the Letter of Explanation document was XXXX which has not yet expired.. 
Pacific Union has stated one thing in writing and their employees are stating something else verbally. It is very apparent that Union Pacific was rather not assist XXXX XXXX. Furthermore, Pacific Union is discriminating on XXXX XXXX based on his race, national origin, and ethnicity. XXXX XXXX is requesting a fair review with no discrimination or he will assert his legal right in district court. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX 2015 my father died. Consequently I incurred a lot of funeral and death related expenses. I paid {$5500.00} on my account. An error was made and Citibank tried to retrieve {$6500.00} and my bank said there were " insufficiant funds ''. Citibank did not inform me immediately of this and tried to retrieve the {$6500.00} two more times. Again NEVER informing me via email or otherwise that my bank had not paid. On XXXX XXXX I realized the error and Citibank told me to pay. I immediateIy paid {$12000.00} on XXXX XXXX, 2015 ( clear XXXX ) and a further {$3500.00} on XXXX XXXX, thus paying off my ENTIRE balance. I was originally told that I would be able to use my credit card once I made the payment and did everything they told me to do. please note that I was NEVER behind on a payment, my intention was to simply pay down the balance. 

Citibank unjustly closed my account based on what is clearly an error, and clearly their error. Their letter ( attached ) states it was closed after several " mulitiple returned payments ''. yet there was only XXXX payment returned and they failed to immediately inform me. ( I had signed up for electronic alerts ). This has caused a snowball effect : I no longer have any credit cards ( this was my only credit card ) and they have unfairly reported this to credit agencies saying my account was closed due to unpaid balance. This is completely unfair and I believe illegal because I 've NEVER EVER had any unpaid balances or late payments with Citibank. 

I would also like to point out that Citibank failed in their duty to protect and help me as a traveller. In fact, when I was made aware of the returned payment problem, i was in XXXX XXXX DURING THE TERRORIST ATTACKS. I had purchased my ticket using my Citibank XXXX Mastercard that had travellers ' protection. They closed my account while I was stranded in XXXX during the terrorist attacks that occurred XXXX XXXX 2015 and Citibank closed my account and would not help me. I would also say they took advantage my father 's recent death because they knew that the expenses incurred were primarily from the funeral. ( see Citibank statement XXXX XXXX XXXX funeral home. Also note that expense there after, housecleaning, flowers, etc are all linked to my dad 's funeral ). 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt collection agency has been impersonating my law firm. When pressed by the consumer to identify themselves, the collectors claim to be calling from a law office by the name of " Nam XXXX XXXX ''. This is the trade name of my law practice, and this agency is in no way affiliated or associated with me or my law firm. The agency is also not a law office. Due to this deceptive practice I have been receiving calls from confused and angry consumers who mistakenly believe that they have been contacted by me or my office. A web search also reveals that consumers are posting the same complaints, so when a search is conducted of my law firm, these complaints pop up, wrongfully linked to my trade name. They also complain that the collectors make other misrepresentations and threats such as that they will levy the consumer 's social security benefits. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XXXX XXXX XXXX, was allowed to access my credit report on behalf of XXXX XXXX without my permission and apply for a payday loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I been in XXXX since I was XXXX years old someone been using my name opening bank accounts buying houses cars in etc in I have not been able to get a bank account in have a hard time even cashing my work checks I need help with filing identity theft claim with XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband sent me a check in the mail using the online-bill pay service through his Bank ( U.S. Bank ). The bank sent me a check dated XXXX/XXXX/2015. I cashed this check at my Bank ( XXXX XXXX XXXX ) on XXXX XXXX. On XXXX XXXX or XXXX - TWO DAYS AFTER I CASHED THE CHECK - my husband placed a " stop check payment '' on the check. My bank reversed the transaction and said that I owe them {$300.00} because U.S. Bank refused to honor the check. I looked this up, and found out that under Regulation E of the EFTA, this was not merely a " check '' - but that such payments are actually defined as " Pre-authorized Remittance Transfers '' by 12 CFR 1005.30. This is supposed to limit my husbands right to cancel the transaction to 30 minutes after he made it, since it was scheduled more than 5 days in advance. I and a refund of the fee I was charged by XXXX XXXX XXXX for a returned check. I also want U.S. Bank to honor the remittance transfer ( which they insist was just a check ). Thank you for your help. 

Company response: Company chooses not to provide a public response
Consumer complaint: A Military Star Credit card, aka Take it Home Today, was settled in a dispute resulting in no balance due following settlement. As part of the settlement, the company agreed to remove the item from all trade lines. As of today the information for account # XXXX is still showing on the " XXXX '' credit reporting agencies trade line under my name, and is a violation of the agreement made by the company almost a year ago. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I began a refinance process on our house XXXX. We currently live XXXX and are renting out the house. We were interested in lower our interest rate. The entire process took 5-6 months. A lot of delays on the bank side, very unresponsive and we feel we were treated unfair. We went through XXXX underwriters because the bank themselves acknowledged prior ones were not communicating/working out properly. We received multiple Hud Statements, but we were told not to worry about the information on it until the last XXXX came. Thoughout the entire process, they kept requesting same paperwork over and over, not only from us, but from my employer- who was becoming very irritated. After escalating our loan to supervisors/managers - we were told we did n't qualify, only later to find out it 's because some of my income was not being used. Which they did a very poor job in communicating that- the loan was finally approved - after the asked the proper questions to my employer. Once the final Hud Statement was sent- it turns out that We were being charged for Extensions - added up to about {$2400.00} - which was NEVER communicated to us- yet they claim it was. Interest rate was higher- because we were taking cash out - which was NEVER communicated to us, yet they claim it was. Once we finally closed, there was a loan that needed to be paid off, in order to qualify ( which was poorly communicated to us ) - we assumed the check would be sent to the finance company, but it was n't, we kept checking to make sure it got paid, and did n't find anything out until we reached out. We were then told that the check was sent to us, but that it was sent to the wrong address, so it came back and it needed to be sent again. We asked why this was n't communicated to us, no answer. the loan was with a XXXX, so we could n't quickly get it to them - we had to overnight it - I asked what the bank planned to do about this error. They said nothing- but I later received a call saying they would send me a {$50.00} gift card. I explained I was very disatisfied with everything, and that I am not looking for a {$50.00} gift card, but for all the extra fees we had to pay. Nothing was done. A few days after closing- we were called by the notary - saying that a witness was needed on the closing - that was not done initially- she advised us that the bank gave a very tight window to complete- so I had to leave early from work and meet her at a Bank branch. 

If I had the luxury of going with another company, I would have, but after promise and promise, they kept dragging us along, plus, we were in the middle of buying another house. We planned on going with the same bank, but after this experience, and then being told that they could n't close on time, we went with another company. We really could not afford to start the process all over again with another company, we did not have many options. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a followup to case XXXX. Per this case, Financial Corporation of America had stated the debt was valid and that an itemized bill ( which was part of my original request ) would be sent to me. I never received the itemized bill. I had not pursued this issue, as I had not received any correspondence. Last week, I again received a collection notice without any of my original concerns being addressed. Today I received a bill from Financial Corporation of America 's customer 's service providers as well which also did not detail the billing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i paid off my mortgage with bank of america when i refinanced. b of a charged me a {$90.00} " fax fee, '' which seems ridiculous and unfair. they also charged a {$45.00} " reconveyance fee '' and a {$14.00} recording fee. i could buy a new fax machine for {$90.00}. this is absurd, outrageous, and i want a full refund for that fee! 

the fees banks and lenders can charge when you payoff their loans should be regulated so that we consumers are not hit by this arbitrary and ridiculous fees that we can not challenge during the payoff process. 

XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo charged an overdraft fee to my checkings account. The ATM located at the branch in XXXX XXXX was not working on Friday XXXX XXXX, 2015 and I could not make a deposit. So I made a check deposit using Wells Fargo Application. As of today XXXX XXXX, 2015 the check still pending. The bank does not recognize its ATM malfunction and wants to charge me a fee and not refund my account for their technical malfunction. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by a female from Meade and Associates on XXXX/XXXX/2015 in regards to a balance owed to XXXX in the amount of {$150.00}. I spoke to a lady who inquired about a payment she stated that agreed to make in XXXX. I never stated a firm payment date with this company and stated that I 'll will make a payment on the website sometime in XXXX. A definite date was never supplied nor confirmed to the company. The female proceeded to insist that I agreed to make a payment on a specific date in XXXX and began arguing with me. During the conversation, she stated that if I do n't make the payment today, I would be sued and would have to go to night court. This company has not provided the proper documentation notifying me of a possible lawsuit if the debt is not paid. I have yet to receive any such notice nor a notice from Meade and Associates of the current balance owed or the alleged payment arrangement. The female stated that I last spoke with them on XXXX/XXXX/2015. It 's now XXXX/XXXX/2015!!! Now, I being threatened with a lawsuit for {$150.00}? The level of hostility the female expressed was unnecessary for the amount of the debt. Especially, when I initiated the contact to learn how I can resolve the debt. If I did n't want to pay off the debt, I never would 've contacted them in the first place in XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My XXXX mortgage was transferred to Specialized Loan Servicing LLC earlier this year. I have been making my payments on time and in full to both companies since the loan was started. However I keep receiving letters from Specialized Loan Servicing LLC that I am delinquent on my payments. They have been sending me these letters since they have taken over the loan. I have had my attorney contact them but I still receive these delinquency letters. 

Company response: Company chooses not to provide a public response
Consumer complaint: Constar is attempting to collect on an auto lease that was originally intended through XXXX. XXXX collection efforts have exceeded the statute of limitations of 6 years. When I asked for information on the last payment on the account I was told that the information was not available. Today I received a letter in the mail from Constar which does not discolose any of the debt information and they are threatening me with legal action. 

Company response: Company chooses not to provide a public response
Consumer complaint: I decided to invest my money with Raymond James in XXXX, 2015, due to the guarantee of protection that I would be getting with my investment. My financial advisor at Raymond James informed me that he could not provide better returns then what I was seeing on my own but what he could do is promise me protection from any major loss if the market was to go into a tailspin. His investment strategy he was proposing was to set Stop Losses in my plan to make sure I got out of the market at 10 % loss if the market was ever to have a major drop in the market. He could not believe that I had no protection built into my current plan that would protect me from a catastrophic loss and what he could offer me was peace of mind and a guarantee that even in the worst of times I would not suffer more than a 10 % loss due to the protection that he would put in place with his investment strategy. I believe the Stop Loss investment strategy was not properly explained because this strategy did the opposite of protection and caused me to have a major loss. NO RISK was even mentioned. I should have never been promised protection if that was not true. The sales pitch I was given was based 100 % on protection. When the market dropped on XXXX XXXX my account was traded at 40 % below the market in some cases. The value of my account dropped by over XXXX. My advisor said that it was not his fault and this has never happened before. I should have never been sold a guarantee of protection if this was not true. My advisor should not have had me invested in XXXX 's that were not liquid and difficult to find a buyer in a down market. I feel Raymond James and my financial advisor are responsible for my loss by their negligence to understand the inherit risk of an investment plan based on Stop Losses, to properly inform me of the risk involved, to have invested my money in XXXX 's that were not very liquid, and to promise protection from a loss of greater than 10 % and yet I suffered losses of 40 % below the market. The response I 'm getting from Raymond James is not acceptable when they are supposed to stand behind their promise of protection and integrity. They empathize with my situation but say the trades were valid trades even though the orders were filled at prices lower than the sop amount limit was set for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Credit card company only provides 20-day grace period for credit card payment due date ( calculated from statement closing date XXXX, instead of the 21-days required under federal law ( from statement mailing date ). Also, statements are mailed out late, since they take over 7 days from the statement closing date for me to receive, and USPS first class mail only takes 2-3 days. The 21-day federal minimum is supposed to apply from the date the statement is actually MAILED, which is why most credit card companies have a 25+ day grace period. Even if they mailed out my statement ending XXXX XXXX 2015, on that SAME DAY, I still have 21 days to pay by federal law ( not 20 days ). My XXXX XXXX payment was made on the 21st day after the statement CLOSING date, but was still considered 1 day late, and interest charges for the entire previous month were assessed! Their due date practice of 20-days after statement closing date is illegal and deceptive. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX. I am a retired XXXX. For the past six years I have applied for loans from Bank Of America and XXXX XXXX. to secure financing for XXXX XXXX to help with the Affordable Care Act.Both banks denied the loans. XXXX XXXX 2015 I filed suit against the Bank Of America for inaccurte information they reported to the Credit Bureaus. This discriminatory act violates the Equal Credit Opportunity Act negatively impacting my business plans and giving less access to financing.. The Bank Of America put a lien, a subordinate loan on my property preventing me from using the equity in my home for a loan. I need immediate help and your assistance would be greatly appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: iQ data is not providing me enough info regarding what I owe, how much I owe, why do I owe etc. 
Everytime I call to require debt validation letter, my bill is going up XXXX dollars, and they are hanging up phone on meI am willing to pay every single penny. I just wan na see what I owe 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX 2015, I sent a letter to Wells Fargo Dealer Services asking to validate a debt it claims I owe. This debt has been paid in full through my Co-applicants XXXX XXXX Chapter XXXX. Although they are reporting that account # 's XXXX and XXXX to the credit reporting agencies as accurate collections account. I also filed a complaint with the XXXX regarding this matter case # XXXX. A research remediation representative name XXXX XXXX XXXX verified the account ending in XXXX was in deed accurate. XXXX/XXXX/2015 I spoke with a few customer reps at Wells Fargo Dealer servicesXXXX ID # XXXX, XXXX ID # XXXX and XXXX XXXX who all confirmed that the account numbers that I had giving them were not valid accounts. XXXX XXXX was very rude per our conversation this morning. Also stating that she could not provide me with any information because i refuse to confirm my SSN for her. I have corresponded with my Co-applicant on this issue and she provided documents to support our claim that this debt was in deed payed in full through her chapter XXXX. Wells Fargo has continued to report inaccurate information which violates FTC resulting in damages in my financial records. 

Company response: Company chooses not to provide a public response