AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The specific problem here is Citibank 's failure to take XXXX " declined '' transactions out of its " pending transaction '' queue for my credit card. The more general problem is the absurd administration of the queue for various transactions. The attachment shows that queue for my Citibank AA Platinum credit card. 
The specific problem arose because on XXXX XXXX, 2015 my daughter ( a cardholder on the account ) went to purchase XXXX season ski pass for the ski slopes near hear college for {$500.00}. The transaction did not go through. She kept trying to submit it and ultimately a {$500.00} charge went into Citi 's system 4 or 5 times ( I 've been told different things by Citi during calls with Citi ; they should have call logs ). According to Citi, all such transactions were declined. However, 6 days later, there are still XXXX " pending '' transactions for {$500.00}. Those all use up my credit limit. Ultimately, on XX/XX/XXXX, my daughter tried the transaction again and I am told by her that it went through. 
I 've called and emailed Citi asking them to get rid of the already " declined '' transactions. In response, I receive emails that tell me the transactions can remain in the queue for up to 30 days ( see the attached emails in the image file ). You need to issue a regulation that stops such stupidity and unfairness. 
More generally, this little mess caused me to look at how long some things sit in the queue. You can see for yourself when you look at the list. It 's absurd. There are XXXX day old gas station charges. There is a XXXX XXXX charge for {$100.00} that no doubt is a placeholder charge from my stay at a XXXX LAST WEEK. I checked out XXXX XXXX XXXX. 
Obviously it 's easiest for merchants and Citi if they act slowly, if at all. XXXX, for example, should close out the placeholder. And, Citi should void out the XXXX declined ski pass transactions for {$2000.00}. But instead, they do not and I end up wasting my time on this nonsense. Moreover, it may be that these long delays help the bank to rack up " over limit '' fees from many of its customers. As we all know, today 's banks are all about hitting consumers with fees. This may be the same scam as stacking checks ahead of deposits in order to create overdraft fees in checking accounts. 
In sum, since Citi and others fail to act in a timely or responsible manner to clear out old transaction, you need to issue regulations that force timely and responsible action. Yes, it will cost Citi money to do things in a timely manner, but that 's what should be done and having more employed people would be a good thing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am asking for a copy of the proceedings from your local court. If they can produce records that you filed for bankruptcy, If they can not find a match, ask them to issue an order to have the filing removed from your report. 

Company response: Company chooses not to provide a public response
Consumer complaint: This organization, American Collections Enterprise Inc., has constantly called my home with a ridiculous recorded message for some who owned this property several years ago, sold the property, and moved away owing considerable debts. ACEI has been calling my unlisted number in an attempt to reach this individual. I do not pick up these recordings to engage with these organizations, and am under no obligation to tell them that I am not the person they are hunting. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was denied renewal of a credit card due to " an adverse account '' as reported by TransUnion. The unpaid account is an electric bill in XXXX. I have lived in XXXX all of my life and could not have incurred an electric bill in XXXX. I have disputed this info twice with TransUnion and they continue to send me this same report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a new vehicle loan XX/XX/XXXX with Wells Fargo. From the very XXXX month, I was told that I could make payments to my loan using my Wells Fargo account. Wells Fargo has established another company within itself called Wells Fargo Dealer Services, and they do not communicate with each other in regards to electronic payments. When payments are taken out of XXXX Wells Fargo Checking Accounts, they take up to 2+ business days to arrive and be processed at Wells Fargo Dealer Services XXXX They also do not communicate with XXXX another in terms of when payments are submitted or if they are going to be showing up as " late '' within a system. 

Sometime XX/XX/XXXX, I attempted to set up an automatic payment within Wells Fargo, but that system never worked and I missed my XXXX payment, causing me to be 30+ days late sometime XX/XX/XXXX. When I noticed the payment had not posted, I paid what was owed and went on with my life. What I did n't know was that while my payment had posted, I started a clock and payments that were already 30 days behind. At no time did Wells Fargo Dealer Services attempt to contact me and inform me that I was 30 days behind on my payments. Each month, when I would make a payment thereafter, resulted in my being charged on my credit report as 30+ days late. 

I again attempted to set up a auto-pay XX/XX/XXXX, and once again it failed. Once I realized it, there were now XXXX missing payments and I began making frantic phone calls to Wells Fargo to figure out what I could do and how I could make things right. It was then that I discovered the XXXX different companies. Wells Fargo Dealer Services has began looking into transaction dates, as if they could resolve this and tell me to " go away '' because it 's entirely my fault the payments are late. When you have a parent company that takes 4+ days to provide funds for a loan to itself, then docks the person who 's making the payment because it 's late - I think there 's both a LARGE communication issue and potential fraud within their systems. I have repeatedly requested them to see that there was a mistake on my part and ask for an adjustment to all my late charges within the credit agencies, but this request is being met with continual denial. 

Company response: Company chooses not to provide a public response
Consumer complaint: Harborfront Acquisitions Llc threatened with a 48 hr response time if not they would take me to civil court. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Dear Representative, After hard time of foreclosure, job loss and eviction, I was able to step on my feet financially and handle life as self-employed person ( I am XXXX and there are n't too many employment options for me ). I worked on establishing good credit again and with satisfaction observed how my old collections disappeared from my credit report, when suddenly and by chance opening XXXX, I saw XXXX separate collections XXXX collector, related to XXXX. They ruined my credit score from XXXX to XXXX, and I am in panic. I never received any mails or calls from them. 
The case is that I worked in this city XXXX, and during work time should go every 2 hours to turn my car from back site city parking to front site city parking. It was silent agreement between my company and the City to do this. The City XXXX practically did n't have at this time any free parking, and the XXXX company I was working for did n't secure for me a parking permit for entire period of my employment, which was 3 ( three years- XXXX till XXXX ). I did what it takes, even my work as XXXX employee for a large company did n't allow a lot of time, and importantly, to think about my car when under pressure to make more and more sales. 
Now, after exactly 5 ( five ) years being not employed from such company, and making my living alone, I was slammed with this collection. 
I wrote letters to the collection agency and Transunion about this issue and will expect their answer. 
Once in a past I had your help, when a collector pretended some money for my foreclosure by using my home purchase 's closing paper file ( I still wonder how they reached this file ). I very much appreciate your timely help. 
Unfortunately, now I have another case. It will be up to your competency to decide what action to take. Whatever it is, I will never forget how you helped me before. 
Thank you for all your efforts and professional work : XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The claim is false. It was not submitted to the insurance company as indicated. It contains false statements as payment collected from insurance and states incorrect information. I had issues with XXXX XXXX XXXX XXXX in the past. 
Basically, either the bill was not submitted as required or I am not the patient that received this service 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank unilaterally changed the terms of my home equity loan. The bank stated that I could not use the line of credit to withdraw any money for the last several years. I believe this to be a breach of contract. 

Company response: Company chooses not to provide a public response
Consumer complaint: With no notification, as is required by the FCRA and FDCPA, and 2 years after being filed as a charge off ( in full, without " sold to another lender '' status ), I had a collector contact me, AFTER reporting me to all XXXX credit beureaus. When I told them the request was illegal, that they had no proof of standing, and that I wanted the matter dismissed, I was threatened with a lawsuit. The company in question is Credit Solutions Corp. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: follow up to citi bank good year card complaint. i will be unable to use my card again. and i wanted to report that about a month ago i was told i had until XXXX but in the response it did not say that. i now have until XXXX XXXX with no interest. we are having a law made and created about illness that is catastrophic since banks have to change how greedy they are. please confirm i have til XXXX since i am repeatedly told things not documeted in the notes that someone else after the call does not see. WASTE and improper use of my time. i have until XXXX XXXX with no interest. 
i do not need credit counselling resent the info that i do i needed and did not get loyalty so i will act accordingly. 
all banks do instead of getting to know the customer is throw things in your face. no one dies with money stop the greed.the answer i got from citi good year card means i can not use it again. to give me XXXX dollars off would have been good business instead they pay someone NOT to help a customer exactly what the definition of waste is will not support it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took a title loan out with Wilshire Consumer Credit, an extremely high interest, short term loan, for about {$2600.00}. The terms were 10 % per month. I intended to only have to make one payment before paying them off but I ended up making two, XX/XX/XXXX & XX/XX/XXXX but then I had the funds to pay off the loan XX/XX/XXXX. Because I had to wait for a check to clear I called in to provide my account information on XXXX XXXX, I was given a payoff amount, was told that the funds would be removed in the next day or two and my pink slip would be returned in about 5 to 7 days. on XXXX XXXX I started receiving calls from Wilshire. When I responded I was told by the lady who answered that they had not been able to take the monies owed because I had given them incorrect account information and that I now owed an additional $ XXXX. I told her that I 'd given the correct information and asked why I would intentionally give them an incorrect account number. I also asked why they had n't called me back and at least leave a message immediately upon realizing there was a mistake. I was told that I should 've realized the monies had n't been removed and since I wanted my pink slip it was my responsibility to contact them. I told the lady that I was happy to pay the payoff amount given on XXXX XXXX but no more. Her reply was that was n't going to happen and she passed me on to her supervisor, XXXX XXXX. XXXX initially i.d . 'd himself as being XXXX XXXX for some reason. XXXX then proceeded to intentionally mangle the pronunciation of my last name, XXXX. Then when he reviewed the matter, he also stated that I had given them an incorrect account number. When I rejected that notion he became very condescending and told me that there was a tape of the conversation, that he would listen to and then decided if I had given an incorrect account number or not. I told him that we should listen to the tape together. He rejected that and said that was n't possible. Through out the conversation XXXX was extremely condescending and very unprofessional in that he repeatedly cut me off and talked over me, many times being merely repetitive. He ended the call by saying he would listen to the tape & make his judgement. I did n't hear from XXXX until XXXX/XXXX/15, when I received a collection call. I checked my account & they still have n't removed the funds. I just went through the same initial call that I went through before but with a more polite and professional individual. The results have been the same, he attempted to pass me off to his supervisor but the supervisor was in the meeting. To me it 's very clear what they 're doing. They intentionally wrote down the account number wrong and want to collect an additional few hundred dollars. It 's probably a way they pay their employees. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX I called wells Fargo bank about a ACH transaction that was scheduled to hit my account however I was not able to see it so I wanted to confirm that it was not returned and will be paid, The customer agent confirmed that just like me she could not see anything pending on my account and assured that my deposit had gone through already as of XXXX so I should have enough funds to cover the transaction when submitted. I checked my balance all day and everything was fine and suddenly late afternoon I saw that the transaction was processed first before my deposit and the bank charged me a {$35.00} NSF fee. I called them and asked why they would process this transaction first and why was n't it showing as pending before, why the customer agent assured me that no fees will be assessed the agent replied and said that this transaction was actually submitted on the XXXX. I replied that this could not be true because their own customer agent could not locate it in their system, then he told me that we can still process it by noon the next day and charge you a fee if necessary. I replied that it was about XXXX when I saw the transaction post and that did check at XXXX XXXX and nothing was there so even the cutoff time was not accurate. last but not least I told him that I have a limited checking account that does not allow for overdraft to begin with so why would they break their own rules and pay this item instead of returning it as they were supposed to. he could not help he transferred me a another department called executive customer care who opened a case ( case number XXXX ) promised to review the recording and see what the agents promised then call me within one business day with a resolution but I never heard from them. I believe this bank continue to pray on certain groups of people. they have unfair business practices especially how they process transactions to benefit themselves and hot customers with unnecessary fees. this is again biased unfair and they can not continue take advantage of consumers and steal their hard earned money which they were already found guilty of doing. I 'm planning on closing this bank account, tell my friends and colleagues but I need to recover the amount they stole from my account prior to doing that. 

Company response: Company chooses not to provide a public response
Consumer complaint: I owed XXXX {$570.00} back in 2008 which is now off my credit report. This company that calls itself JEFFCAPSYS is trying to get me to pay them for it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I can not get these people to stop calling my home phone they call repeatedly looking for someone I do not know XXXX I am at my wits end with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: CACH violated FDCPA 1692-I by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XX/XX/XXXX and dismissed on XX/XX/XXXX while the case was being held in XXXX XXXX GA as of XX/XX/XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XX/XX/XXXX. FDCPA 1692F -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XX/XX/XXXX-XX/XX/XXXX showing persistence and determination to continue violations of FDCPA 1692. The unfair debt collection practices violating FDCPA 1692F to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XX/XX/XXXX the bill of sale and affidavit from XXXX XXXX to Defendant. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX violated FDCPA XXXX by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XXXX XXXX, XXXX and dismissed on XXXX XXXX, XXXX while the case was being held in XXXX XXXX GA as of XXXX XXXX, XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XXXX XXXX, XXXX. FDCPA XXXX -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XXXX XXXX XXXX, XXXX showing persistence and determination to continue violations of FDCPA XXXX. The unfair debt collection practices violating FDCPA XXXX to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XXXX XXXX, XXXX the bill of sale and affidavit from Wells Fargo to Defendant. 

Company response: Company chooses not to provide a public response
Consumer complaint: The servicer continually claims that the complaint is similar to previous complaints and then proceeds to NOT send the documents requested in the QWR and RESPA request. I have submitted multiple QWR to the lender requesting items required to validate the debt and to validate the actual transfer of the servicing of the loan to them and also to validate the note holder. I also have requested specific information required to validate the accounting that goes ALL THE WAY TO THE ORIGINAL LENDER ( they claim they do not have the accounting of fees, interest, charges, payments that go beyond them and maybe XXXX XXXX XXXX ). Additionally, I requested that the transfer and assignment documents be certified as correct by an executive authority for the note holder or servicer. I have requested that they provide documents showing that they notified me of my opportunity to apply for the National Mortgage Settlement program due to acknowledgement of errors and actions thru the National Foreclosure Fraud program in which there was compensation sent forward to me. The servicer continually avoids sending the requested information in total and then responds as if they have satisfied the QWR and provided all the documents. In short, validation of the debt and facts are not able to be accomplished due to their refusal to provide adequate information. They fail to send information requested and repeated send copies of the original note and then the assignment and transfer document for XXXX XXXX XXXX. THEY HAVE REFUSED TO SEND THE NAME, ADDRESS OF THE INVESTOR OR NOTE HOLDER WHILE CLAIMING THAT the letter received from XXXX is not part of XXXX. XXXX is claiming that they are NOT the note holder and have no records of the property or of me in their complete system. At present, XXXX is showing that XXXX is the servicer of the loan and that XXXX is the note holder. SPS claims that the servicing was transferred to them but will not send anything other than their own letter claiming that the servicing has transferred. They claim that they are not shown as the servicer in the XXXX System because the loan was in foreclosure and it was transferred out of that system due to that. However, there was no foreclosure in place at the time of the aledged transfer of servicing and the audit of the XXXX system requested would verify that along with any removal of the file from their system. In short, the items required and requested repeatedly have not been provided as allowed thru the law. Request complete investigation into the loan and all actions by both XXXX XXXX XXXX and Select XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This debt is well over 12 years old. I have not been able to make any form of acceptable payment arrangement. for the past 10 years. That which was offered was never acceptable or taken seriously. 
The lawsuit presented, was given now avenue to dispute. I was not able to secure legal representation to help in disputing the charges. When the garnishment order was given, no court date was provided, for to stand and give defense of statute of limitations had expired. then I was given notice of wage garnishment, which has caused great financial harm. I stand at the point of having my utilities shut off, because of the inability to pay them, because the money was taken else where. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX, I filed my third complaint with all three credit reporting agencies about my account with XXXX XXXX XXXX. XXXX XXXX XXXX will not give me proof why they are showing that I was late for the last three months on the account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for XXXX agencies and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for one of the reporting agencies. XXXX XXXX XXXX also failed to show proof to the credit agencies about the late payments. XXXX removed the payment history, however, the other XXXX agencies have not. I disputed because it is negatively affecting me and I want the 30, 60 and 90 day late payment status removed. Transunion was contacted prior to me filing this complaint and they removed the previous complaint from off line and started a new complaint. I could not access the my dispute report for XXXX because they asked for an investigation ID #, but there is no investigation ID # on the mailed report. It asked me to call the number on the report, but no phone number for XXXX is listed in the report that was sent to me, and no phone number is listed on the website. 

Company response: Company chooses not to provide a public response