AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: After receiving a letter from CITI indicating that my credit limit was decreased, I decided to call the XXXX number provided in the letter to discuss the information contained therein. The XXXX time I called, I spoke to representative XXXX. Right off the bat I was given the impression that customer service is n't top priority for their service department as she refused to pronounce my name indicating it was too hard. Shortly thereafter I explained to her the sequence of events that took place and was instructed to hold while servicing notes were being reviewed. Once reviewed, the rep apologized and gave me the option to have my credit limit reinstated, but my cash advance amount to remain at zero. I was told by the rep that this was company policy. I proceeded to explain my anguish with a company policy that penalizes customers for technical issues and requested to speak with a manager/supervisor. I was placed on hold numerous times and waited roughly XXXX minutes before the same rep came back to inform me of how nobody was available to assist me at this time. I refused to leave my call back number and demanded to speak with a supervisor immediately. I tried explaining my discontent with the process at which time I was told that CITI is in fact a big company with a lot going on, insinuating that I should be more patient. At this point I lost all faith with the rep in question and decided to hang up and try back again, hoping to get another rep with a better skill set and stronger ability to perform his/her duties. Unfortunately again I came across the same scenario. At this point I notified the rep that I would be contacting CFPB with the aforementioned information. Here i am. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently applied for a loan and when my credit report was run ; the loan agent told me that my score had dropped significantly. When we researched the report we find a derogatory report from my old mortgage company that held the loan for my last house. It was stated by the company that I had made a late payment ; the supposed late payment was issued on XXXX of 2014. The problem with this claim is that I had sold the house on XXXX XXXX of 2014 ; obviously there report of this late payment is impossible. I have contacted the company via email and phone ; I supplied them with the report and highlighted the discrepancy. The have done nothing to correct the issue and now they wont reply to my email or phone calls. They give me excuses like they do n't have the loan on file anymore, even though the its been less than a year. Its being investigated by there people but I am not allowed to speak to them. I spoke to a supervisor at one point and she hung up on me, another time I was put on hold and intentionally hung up on. 
I reported this issue with Experian and they have put in a dispute, advocating on my behalf with the company as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: Exxon/Mobil is reporting a XXXX day late payment to the credit agencies from XXXX 2012. I have been a loyal customer of almost XXXX years and have been very adamant about not making any payments that were ever over XXXX days late. I have ALWAYS sent the payments out prior to the XXXX day period and 99 % of the time they arrive early. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted BestBuy credit card to try to set up a payment plan with them after being 3 months late. I let them know that due to financial difficulties I have been unable to pay, but now I would like to set up a payment plan. I told them I can only afford about {$30.00} a month for now and asked for a possible removing some of the late fees. After about XXXX minutes of numerous questions they said the best they could do was about {$85.00} a month for 6 months. I told them I am on a fixed budget since losing my business income and could not afford that payment. But I told them I would pay a payment of {$30.00} each month. Unfortunately, I gave them permission to contact me by phone. This was the beginning of the month and I told him I only get paid XXXX. So, after paying the {$30.00} payment I told him to put the info. in the computer and not to call until next month. He said he could only stop the calls for 5 days, I told him again that my finances would not change until next month. Now they have been calling every day multiple times a day, which I feel is harassment. Sometimes they call XXXX after another, although this is seldom it is very annoying. I believe they are purposefully doing it to irritate me into calling them. Can you help me in getting them to stop calling me and only contact me by mail from now on? I will contact them XXXX when making a payment or possibly trying to increase payment when I can. But, That is the only phone conversation I wish to have, when I initiate it only. 

Company response: Company chooses not to provide a public response
Consumer complaint: Commonwealth Financial Systems agreed to settle a {$4000.00} debt for {$2000.00} if I set up automatic debit from my bank account for {$100.00} a month. They also agreed that while in good standing they would remove this negative line from my credit report. After 2 months of paying I called because I never received official notification of the agreement. I asked for an official statement or letter and they said they could n't send XXXX. At that point I said I wanted to stop all payments until an official letter was delivered and they said ok. The next month they took the money out again and I called and said " I am not authorizing you to take money anymore please stop. And they continue to take {$100.00} out of my account every month. I do n't know what to do because they wo n't stop taking the money after I asked them multiple times to stop until the agreement could be official. My bank said they can not stop the automatic withdrawal and Commonwealth Financial Systems will not adhere to my demand to stop taking the money. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a private loan through Sallie Mae. They have been misleading about the status of my loan, have marked me delinquent despite never mailing me at my proper address, they list correspondence on their site as having been mailed to me that I actually never received, and they have refused to change my contact information after numerous requests. The representatives apparently do not keep notes on my account ; I provided one with my checking account information in order to have payments deducted automatically, and despite the fact that XXXX payment was successfully deducted, the next month they claimed they could n't withdraw from the exact same checking account because it " did n't exist ''. They never notified me of this ; I had to contact them and ask them why the payment had n't been deducted. After making sure they had the correct account number, I was told by the representative that payments would resume the next month and I did n't need to worry. About a XXXX later ( in the same month ), I received a phone call informing me I was delinquent and payment needed to be remitted immediately. This level of disorganization and negligence is unacceptable. It has adversely impacted my credit report due to their reporting me as XXXX days past due, despite my never having received notice. They refused to provide loan deferment options, yet are making it difficult for me to pay. They will also not mail me information on my loan balance, as I have repeatedly requested. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Navy Federal Credit Union is withholding access to information about my checking accout, apparently in retaliation for refinancing my Navy Federal mortgage with a different bank. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I attended XXXX College XXXX XXXX and was called into the financial office many times saying that I needed to pull out more loans because my Grant did not cover my XXXX Quarter. They picked the loan for me to pull which was a company named Genesis. They would literally pull me from class or put a hold on my access to computers so that I would have to directly go to the financial office in order to lift the hold on my access to school computers. I was also pulled out of class and was told that I would have to make cash payments or " house payments '' of {$20.00} a month for a total of {$500.00} for a " opportunity grant '' or so I was told. Even though they knew I did not have a job and was a single parent trying to make a better life for my daughter. I had to ask my mother for help to make a loan payment from e-payment which I believe they had me sign up XXXX on purpose saying I never made the payment in order to get XXXX payments at a time. They were to take out {$40.00} cents once a month and were taking {$80.00} a month instead. I called them numerous times to cancel XXXX payment because there should n't have been XXXX and they said they would fix it and still took out {$80.00} until my mom cancelled them on the day my school closed because I was told I would not be able to finish my last quarter without making those payments because that was the quarter my Grant supposedly did not cover. Who would of loan that 's exactly what had happened, I was in my last quarter at my internship site and was n't able to complete my last quarter anyways even by pulling out that loan they said I had to have to finish school. Now I have so many loans and no degree and in an even bigger hole than I was previously in. I thought going back to school would help make our lives better but I am even more messed up then I already was. can someone please help us in the right direction, I really am just so lost. please and thank you. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXX XXXX XXXX sent false debt collection information to Bursey and Associates XXXX. The original creditor is XXXX XXXX Bank, XXXX. The debt in the amount of {$590.00} do not belong to me nor have I done any business with either of them. I notified the XXXX office and they are suppose to remove this false claim from my name. What upsets me the most is that XXXX XXXX XXXX assumed individuals with the same last name is associated with a debt their trying to collect. I 'm tired of these credit card companies submitting false claims and the credit bureaus are just as bad accepting false information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an account with XXXX phone service in which we did not receive signal on the phones. I ( and everyone on my plan ) complained to the company in store several times, as well as on their company phone number and were told they were working on the towers so it would be resolved soon. After a couple months with no resolution we asked them to close the account. In which case they sent us a bill for canceling the account and then some. I disputed the bill in writing several times and had yet to receive any response to the matter. Now I see that this is on my credit report and I wish to see an investigation into this as I do not feel I should have to pay for service that does not work nor pay to cancel such service. 
Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: rec'ed Letter dated XXXX XXXX on XXXX XXXX : From : WELLSFARGO Bank 'EMPLOYEE ... XXXX XXXX the letter she sends dose n't reflict any case number from cfpb ...? ; and this Employee dose n't give and direct phone number to contact her? 

fine attachments of the letter mentioned in the complaint dated this day XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX, XXXX, named the XXXX fastest growing privately held company in the US, is the latest in a series of recovery agencies purchasing old WF long time closed credit card debt. In my case, they took me to court to profit on a ( most likely bundled instrument ). I have consistently asked for the " purchase price '' they paid, through the law group they hired, and XXXX or XXXX refuse to give me that information. XXXX hired lawyers. There is a court ordered settlement hearing tomorrow, and then the case is scheduled to go to trial. Are they allowed to profit on me, XXXX, when I have no means to pay, the loan was written off by a bank that got bail-out funds relevant to the 2008 crisis, around the same time period. Were I to be able to come by funds to end the case, those same funds would find more prudent social use being applied to life-saving treatments for a medical condition. Why are certain consumers caused harm and not allowed to dissolve a debt during substantiated illness, job loss, other than through bankruptcy, when banking institutions DO get other benefits and help when as a corporate " entity '', they face their potential demise? And at bare minimum, why are the consumers not given the right to KNOW what their supposed debt is sold for, so they have lower cost options for resolution if desired versus " for profit '' agencies : the option to borrow money from a friend or get assistance from a nonprofit to prevent or end legal harassment for profit. This seems a reasonable option for folks seriously harmed by debt. Prevent stressful ordeals at that opportunistic bundled purchased price when requested. I am in formal Discovery to gain knowledge of what the amount of the " pennies on the dollar purchase price '' was, in order to 1 ) have that fact to work with, and 2 ) to be able to prevent inaccurate XXXX, which will affect my ability to have insurance. I have no lawyer, and like many Americans, can not afford XXXX. Can your agency help? Is there policy or law in effect I do not know about concerning this issue? Is there policy being written for XXXX to be able cancel debt, at the price it 's being sold at to " for profit '' collection agencies? 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, My original mortgage was with XXXX, who sold my mortgage to SPS. I am behind with my mortgage, but made a payment today. I am not in foreclosure and have been negotiating with them since XXXX XXXX on a modification. However, they are not modifying, just an endless loop of re-sending info. I have made an over the phone payment yesterday, got a confirmation number, but the funds were not deducted from my bank account. I called SPS today, and they confirmed receipt of the payment request, but said they had not presented it to my bank yet. As tomorrow is an important deadline at which they will send my file to an attorney for procedures if a payment was not made, I am so worried that they are illegally trying to foreclose. Here is what I found online : XXXX and XXXX Their history is terrible and they have been playing games since XXXX. What they are doing is scandalous. Please help!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent a principal payment only check of {$5000.00} to Bank of America on XXXX/XXXX/2010. 
The " Principal Payment Only '' was written on the check. When I went to refinance last year, I checked on the payment and Bank of America never applied it correctly as I requested. I do not have a record of the check. The {$5000.00} payment was made XXXX day after the regular mortagage payment. Bank of America is stating without proof of the check stating it was a principal payment only, they can apply the payment as they wish. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Friday XXXX XXXX, XX/XX/2015 I made a deposit of XXXX paychecks at my Citibank branch ATM. On Saturday XXXX XXXX there were a couple of debits to the account, and I withdrew money from the ATM. On Sunday XXXX XXXX my husband attempted to access my online account and was met with a blank account page. He assumed the website was undergoing maintenance and moved on. On Monday XXXX XXXX I attempted to make a withdrawal at my branch ATM and was rejected. I assumed there was a problem with the ATM, and as the branch was still closed went to another ATM location. When both that attempt and a purchase failed I returned to my bank, which was now open. The teller told me that neither him nor anybody else at the bank had any access to my account, and gave me a toll free number to call. I spoke to XXXX different 'supervisors ' when I called. Neither could give me any information regarding my account, accept for alluding to my Friday deposit being involved. I was told the fraud department was handling my case, and that they did n't take phone calls. I was advised to call back in XXXX hours. I called back on Thursday XXXX XXXX, XXXX hours later. I was told they could n't give me any information, and to go into my branch to see my banker. I was on my way to work, so could n't go in until the next day, Friday XXXX XXXX. My banker cleared everything up, opening my account back up, and explained why fraud had been suspected. What he could n't explain is what this complaint is about. Why, over the course of 6 days, did n't anybody from Citibank reach out to me? If I had n't needed to get cash out of the bank on Monday I would n't have known that anything was wrong. If someone had been attempting to commit fraud, I would n't have been given the opportunity to protect myself and check other accounts. I could have accrued fines and had my credit negatively affected from automatic debits not going through. Worse still, If I was alone, with no support network, and no access to my money, I may not have been able get to work, feed my child, etc. I also find it frustrating that all the people I talked to during my XXXX calls were " supervisors '', and that they would n't direct my call to someone who really was in charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to an audit, my state tax authority submitted an " order to withhold '' to my bank. Not the most fun thing to happen, but perfectly reasonable. Part of the order was a {$100.00} fee. The shocker came when I contacted the state tax authority and discovered that the fee had nothing to do with them - they do n't attach fees to " orders to withhold ; '' imagine that - the fee was being charged by the bank. My state tax authority agreed to reduce the amount of the order - really, they were more than courteous and reasonable - but could do nothing about the fee. Ultimately the fee turned out to be more than the order. The bank released the remainder of the order back to me, but kept the fee. 

I 'd really like an explanation of why a {$100.00} fee ( that in my case was more than the legal order from the state tax authority ) is reasonable and appropriate. What costs does the bank incur that are covered by that fee? Do they have some employee somewhere that gets paid {$100.00} for the XXXX minutes it takes to review the order manually and push some buttons? Is there a human being involved at all? 

Like many other types of fees, this XXXX is far more injurious to someone with a low bank balance than someone with a high XXXX. Someone with a balance over XXXX figures would barely notice a {$100.00} fee. On the other hand, someone with a balance over XXXX figures would barely have noticed the amount of the legal order issued by my state. I have never had a balance like that, so a fee of {$100.00} literally means that I have to scramble to make sure not to overdraw the account. ( Which would result in a different set of fees. ) These fees are practically calculated to suck the life out of people that have very little money on which to survive. 

I understand that the bank is providing a service, and that they exist to make a profit through their services. I do n't begrudge them fees in general, but ca n't they charge fees based on the average balance? In any case, a fee of {$100.00} seems excessively high. 

The other, less annoying, problem : according to the state, the bank should hold the affected funds for 10-15 days. My bank DEBITED the funds in less than XXXX. Really? They needed that tiny amount of cash right away? 

Company response: Company chooses not to provide a public response
Consumer complaint: well now that Im on a computer where I can print my report from, I wanted to be able to view it so that Im able to print it out 

Company response: Company chooses not to provide a public response
Consumer complaint: Rec'ed Letter from Wellsfargo Bank N.A ., Disputing name of Employee " On Letter dated XXXX XXXX, 2015 ... Rec'ed XXXX XXXX, 2015, Name dose n't match Phone ID caller name..XXXX XXXX ... Wellsfargo Bank N.A . As So, I XXXX XXXX am the Payer on the FHA Loan for the XXXX XXXX XXXX XXXX XXXX Arizona, I have been victom of Wellsfargo 's banking practice 's, many times buy Wellsfargo Employee 's, its hiree 's as well 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2011, I decided to attend XXXX XXXX in XXXX MI to attain a XXXX. Upon entering this campus to sign paperwork for submission, I was surprised to see that there was a loan officer with the XXXX representative. As we hurriedly did the XXXX paperwork, the loan officer was taking my information as well. I was real uncomfortable with taking out a private loan that I felt I was rushed into. But I went with it since I wanted the education. She ran my credit I was pre-approved for {$8500.00} at 6.8 %. I was told that I 'd have {$20.00} in school payment amount and {$100.00} when I graduated. My husband would be the sole provider of income for our XXXX yr old son and unborn daughter during the 11 month long program. Little did I know that {$20.00} would be hard to come by. I will never forget the day I was in class listening to lecture and the next thing I know the door opens and someone calls my name. So I get up to meet the woman in the hallway. She said, " You are behind in your payments and you have to make a payment now or you ca n't go back to class. '' So I made my payment and she let me go but since the door locks when closed I could n't get back in until there was a break. It was over an hour. That never happened to me again but it happened to other students constantly. The teacher even said XXXX day when it happened to another student, " You got ta take care of your business or you ca n't come back. '' Little did I know about the loan I was coerced into taking was n't what I thought it was. It was XXXX loans, Note XXXX principal XXXX XXXX principal XXXX with a grand total balance of {$16000.00} at 14.9 %. My monthly payments are {$350.00}. It is very difficult to pay this now and provide for a family. I have paid {$3400.00} in interest and I still owe {$9200.00} in total balance. I understand that {$20.00} a month sky rocketed my interest but I could n't work while in school and I feel that this Genesis Lending took advantage of this. They bate you with the 6.8 % interest and when you actually see your real rate there is nothing you can do unless you want to put off school for another year. I 've tried to lower my rate but they do nothing to help you. I just feel buried in this debt and causes a real burden on my family. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company