AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The credit card company for Home Depot ( Citi ) removed a late charge on my bill that I paid completely, but by the time they removed it, another late charge on the late charge happened. These cascading late charges ( on the late charge waived ) are the only outstanding amounts due this company. The only balance on this card is late charges on late charges for XX/XX/XXXX ( {$25.00} ), XX/XX/XXXX ( {$25.00} ), XX/XX/XXXX ( {$35.00} ) and interest for XX/XX/XXXX on this " promotion balance ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like a written explanation as to why I am being charged {$510.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: Over three year 's ago ; I went through a Civil Litigation with XXXX XXXX XXXX, in which I though was resolved. The problem that I 'm currently experiencing is that XXXX XXXX XXXX and Experian Credit Bureau is reporting inaccurate information on my credit report, in which I 've explained to Experian numerous of time. From my understanding if a creditor does n't report correct information on a consumer credit file it is assumed to be illegal and MUST be removed immediately. In my case XXXX XXXX XXXX is n't reporting their information currently. First, and foremost I no longer owe the amount that they are currently reporting on my credit file, which is cause tremendous harm to my credit report and credit score. Furthermore, it increases my debt to ratio in a negative way, which also impacts my overall credit report and score. If XXXX XXXX XXXX and Experian can not report accurate information on my credit file is it against the law? I would like for this information to be removed from my credit report immediately. 

Thank you, XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Though I filed a Chapter XXXX in 2011, I 've paid my bills on time, I only have XXXX credit card with a one thousand dollar limit. though my monthly bills total, {$1400.00}, including mortgage and car payment, XXXX loan ( $ 700+ ) and XXXX credit card ( $ 900+ ) all with good standing and on time payment history These are the only open accounts on my report and my monthly income is $ XXXX .Despite these facts, my score remains in the fair to poor range and I 'm continually declined due to credit reports and scores. I saw XXXX disputed bill on my report that was n't mine and it was forgiven when I filed chapter XXXX, and as I stated, it was n't mine in the beginning. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, I invested in a website and lifetime hosting set up through this company : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. 
I was convinced to also invest {$7500.00} for leads in their special campaign in which their agents would contact the small businesses and assist them in obtaining authorization for credit card use. I would receive an agent percentage of the profit of each business transaction. 
With advice from a friend, I cancelled my contract within XXXX business days and called my Bank of America credit card, XXXX, to dispute XXXX charges, {$7500.00}, {$490.00}, and {$250.00} due to possible fraud. 
Bank of America aka XXXX Bank responded with a request for more information on XX/XX/XXXX. With the added information, they indicated that it would take some time to resolve the dispute. On XX/XX/XXXX, the customer advocate in the fraud department wrote that BofAm was " not able to process a fraud claim regarding the transactions on your credit card account. As a result, we will not be taking any further action regarding the transactions at this time, and you will be held responsible for the charges ... ... Our customers depend on us for the highest level of customer satisfaction, and we are committed to providing the superior service you deserve and expect. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: My current loan to value ( LTV ) ratio of my mortgage is " at or below 80 % '' according to my bank. The equity that I have paid into my mortgage is about 22 % now. However, my bank wo n't cancel my private mortgage insurance ( PMI ). I 've never had a late payment in the almost XXXX years that I have had this mortgage. This costs me {$140.00} per month. 

Company response: Company chooses not to provide a public response
Consumer complaint: I ran my credit report earlier this year and found that TransUnion was listing multiple incorrect addresses associated with my name. On XXXX/XXXX/15, I wrote them asking for XXXX to be removed. ( The other incorrect addresses they listed were obvious typos & duplicates and, given the TransUnion incompetence that demonstrated, I thought I 'd keep it simple for them. ) While they removed XXXX of the incorrect addresses, they left the XXXX. On XXXX/XXXX/15, I again wrote requesting they removed this third incorrect address. Instead of removing the address, they sent me another copy of my credit report. ( It 's a good thing I did n't ask them to correct the stale phone numbers and employment data they have listed. ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I canceled my XXXX XXXX service, returned the equipment and paid the bill. XXXX misplaced the equipment and/or mis-shuffled the paperwork. {$260.00} charge was sent to Southwest Credit Systems ( SCS ) collection agency. XXXX has since acknowledged I was never in debt. 

SCS is reporting {$260.00} on XXXX credit report and after phonecalls and letters they are unable or unwilling to remove it. Just today I noticed a {$18.00} charge-off account on my XXXX report - only a matter of time before something appears on XXXX and who knows where else. 

XXXX of the phone calls to SCS, I was told that they acknowledged I did n't owe {$250.00} to XXXX but asked that I pay {$18.00} for some reason. I am not responsible for any charge as I returned my equipment and did nothing wrong. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have a single family home, that is carrying ( XXXX ) mortgages. I would like to know how to go about combining them into XXXX, I brought the home in 2006, for {$200000.00} and is still paying interested instead of paying on the principal. I did loan modification XXXX, but that did not help me, if anything it hurt me instead. Because the principal went up. However, my question to you, is there anything a person like me can do to get my mortgages in XXXX. Also the house only value {$180.00} the last time I checked.please can someone look into this please. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never had any medical bills 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I did not have XXXX in XXXX 2011 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo Home Mortgage sold my home loan without disclosing that they were selling it as required by California State Law. In addition, I missed a payment several years ago that I could have made if I Wells Fargo had informed me I could use my impound account to make that payment. They intentionally kept that information from me in an attempt to foreclose on my house because I had a large amount of equity established in the property. I met with them at a loan modification meeting arranged by them some time later, and asked them to take the XXXX payment I missed and put it on the back of my loan. They refused my request for a loan modification by stating that I was not eligible for that process. They charged me for an appraisal however that they never told me they were ordering and added the charge at the close of my escrow in XXXX. 

At the close of my escrow recently, Wells Fargo collected XXXX for alleged late payment fees, but refunded the money a few weeks after close of escrow. They explained in a letter that they had collected the late fees in violation of California State Law and were refunding the money with their apologies. 

With those fees refunded I was never charged a late fee by Wells Fargo during the entire duration of my mortgage. When I applied for a mortgage to purchased a new house, I was informed that Wells Fargo is reporting XXXX " thirty date late '' payments on my previous mortgage with them. That reporting has destroyed my credit score, and is preventing me from obtaining a mortgage now. 

So Wells Fargo intentionally withheld information that would have prevented me from missing the XXXX payment I missed in the XXXX years I had a mortgage with them. They refused to help by modifying my loan. They sold my loan without advising me, which violated state law. Then they report XXXX " XXXX day late '' payments on my mortgage when they never charged me a late fee. When I ask them to correct their reporting they refuse and added a statement to the reporting which further damages my credit score. 

This is the worst example of Banking Industry misconduct that I have ever seen. Wells Fargo did whatever it wanted to do without regard for law or human decency. They started off by trying to steal my house, and when that did n't work they punished me by trying to ruin my life. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1 ) XXXX credit card account : The account XXXX .... ( member no XXXX ) was PAID IN FULL IN XXXX 2013. You are still showing it as " CO ''. This is creating all the problem. Despite many requests and reminders, experian is not updating the status and I am loosing good credit card offer opportunities. 
XXXX sent a letter to experian also requesting them to correct the informaiton. I am enclosing that letter again. So please correct this account status. 

2 ) Also I have only XXXX shared credit card from XXXX for last XXXX years which is going good. But experian report shows so many accounts from XXXX with their status as lost/ stolen/ closed whoch IS WRONG.They are not correcting that too ( I have enclosed XXXX letter for that ) 3 ) The merged credit report shows a score of XXXX from experian but experian report shows a score of XXXX. My score should be XXXXThe experian report is completely messed up and not upto any professional standards. I have enjoyed good credit offers until now but experian report is wrongly reporting information and is stopping people to get good credit terms. I request you to investigate and do the needfulthanks in advance and please call me if you need any information you may need for the investigationXXXX XXXX ( XXXX ) XXXX XXXX XXXX, MA, XXXXcell no XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent them a letter is regarding an account that I have not had. XXXX note the attached document from the secretary of state of Ohio. 
I have no affiliation with this company. Its a business credit card processing application. 

I sent them proof from secretary of states office ( attached ) 

Company response: Company chooses not to provide a public response
Consumer complaint: Shows on the credit report that an account with a minor balance owed from XXXX XXXX from 2012, no other prior reporting. Reported immediately, not a blatant balance that was outstanding for long. {$79.00} was paid immediately. Requested to be removed because of these facts. Denied and only updated. debts on the report an estimated date that they will remove, this XXXX no. Also the last complaint filed with continually dropping my score since becoming a member from XXXX to today poor with continually placing paid debts, non valid debts on my report that why should this impact my score, there reply had nothing to do with the complaint. Contacted the Omnibudsman with no reply. 

Company response: Company chooses not to provide a public response
Consumer complaint: I financed a car for over XXXX dollars, I became XXXX when I only owed {$2400.00}. Car appectance now company XXXX CNAC XXXX informed me after they reposed the car, they then sold the car and I now owed the balance after the sale. Which at that time was stated {$1800.00} some odd dollars. They in turned reported to all three credit bureaus an incorrect amount due balance is still {$2400.00}. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: This has happened a few times now ... I am unable to make the payment on time, and less than a week later I start receiving an unreasonable amount of calls from Citi for payment. The calls come around every XXXX hours, every day ( even weekends ) until I make the payment. When viewing the account, the card has been assessed a late fee and the balance simply shows the accrued amount ( 2 months plus fee ) is due on the next due date. I have asked in the past for the calls to stop and state I will make the payment as soon as I am able ( my next pay check ). The phone agent simply says that the calls will stop after payment is made, and then the calls resume the following day. The practice of Citi is to harass a customer to make the payment, no matter the circumstance. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/2013 I purchased to coolers, from Sears, to be picked up. They told me I had up to a year to get them. When I went to get them several months after, I was told the new manager sent all items back to the warehouse and refunded those cards. I check all my statements from XX/XX/2013 to current and found no refund from those purchases on it. I contacted Sears several times and was told they would investigated then get back with me. I have not heard from Sears store nor Sears customer service. At this point, I want either the refund or the coolers.
Company response: Company chooses not to provide a public response
Consumer complaint: I have had a XXXX XXXX for many years. I have also had an automatic payment withdrawn from my checking account for years after signing an agreement with the credit card company. Earlier this year I made a substantial purchase using a low interest propmotional check. XXXX billing cycles later I received notice that my account was overdue and I was charged a late payment fee. Customer service informed me that I would have to fill out a new automatic payment form which I did but not without complaint since I already had the automatic payment on my account.. They did drop the late fee. The next month, in XXXX of 2015 I made a telephone payment. At the time I asked the customer service representative if the auto payment would be in effect for the next billing. I was assured it was. On XXXX XXXX, 2015 I received a telephone call from a XXXX representative informing me that my account was overdue and was being turned over to collections. I informed the representative that I had auto pay. She stated that my auto pay had been discontinued because I had not used the card for a few months. She was courteous but unresponsive. When I asked her when the payment was due she informed me that it was due on XXXX XXXX, XXXX days previous. It was at this point that I asked to speak to a supervisor. She seemed disappointed which led me to believe that she was working on commission. The supervisor stated that due to a recent " conversion '' they were having problems with their automatic payments. She adjusted the late payment fee stating it would be removed from the account balance.She told me I would be required to send in another form for auto pay. I had an automatic payment large enough to pay off the purchase before or soon after the promotional rate expired. I believe XXXX is purposely violating the auto pay agreement in order to nullify the low promotional rate. In all the years I have had this card I have never had a late fee. 
At present I am not sure weather I still have the promotional rate or not. 

Company response: Company chooses not to provide a public response
Consumer complaint: A company " XXXX XXXX XXXX XXXX XXXX '' has become attached to my credit report and keeps bothering me for money saying that I owe them money. I never borrowed any money from them, do not know who they are, or how they messed up my credit report. I talked to a lawyer about it and he said I did not owe them any money, and what they are doing is illegal. How can they do this illegally, and putting themselves on peoples credit report and keep getting away with it? 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm a long time highly qualified Wellsfargo customer came from Wachovia and in the last month chose to participate in an application for a credit card at a local branch here with a XXXX XXXX XXXX. 
I was informed that I was declined for the credit card despite my XXXX credit score and very healthy balance at your bank that made little sense. I was told to await a response for the decline and explanation and I did as instructed as the explanation for the decline was vague- I did n't honor a commitment as agreed upon in the last 2 years so I had been working w the branch assistant mgr XXXX XXXX who informed me of a loan modification or short sale purchase a negative inquiry on my credit report pulled by experian. I actually called all beureaus knowing that was a mistake and I have a copy of each of my XXXX-XXXX page credit reports on hand and documented conversations with the bureaus informing them of wellsfargo decision to decline me for a credit card where I had them cross reference my reports in case I was illiterate as there was nothing of the sort to indicate any commitment I 've ever made and not paid, nor any modification but further no documented negative record from XXXX nor XXXX all of which I have on record. I 've called Wells Fargo customer service who insist that 's not what they see, the bureaus do n't lie and I find this to be highly offensive but still I have patiently worked w XXXX XXXX whose instructed me that he 's escalated the manner as theirs zero evidence to support the contentions behind the decision to decline my credit.. Both bureaus have instructed me to have this investigated and that is now what I fully intend on doing as I 've given ample opportunity for Wells imaginary bureau with such contentions to resolve that error but instead I 'm further ignored burdened with coming into the branch w my documents of proof. I have mine and the burden is on Wells now as I 'll make it a personal mission to proceed with the mishandling and continued disregard of error and lack of ownership and report this to any and all governing institutions to create awareness.. Again I have both my discussions w the bureau and ur staff member on record.. 

FYI- complaints and investigations forthcoming at this point just for starters. 

Company response: Company chooses not to provide a public response
Consumer complaint: My student loan was sent to a collection agency XX/XX/XXXX. 
I have been making XXXX monthly payments on my loan, and have never missed a payment. Last month on XXXX XXXX, I was let go from my employer and had no savings to cover expenses. I called XXXX XXXX XXXX XXXX, the collection agency handling my loan to let them know I would be unable to pay my loan until I found employment. I told them I was renting and had no assets and since I was unsure how long I was going to be unemployed and what my unemployment would entail, I needed to make sure that I have enough funds to cover the essentials, rent, food, health insurance, etc. I told them as soon as I was in the position to make payments I would reach out to them. I anticipated it would take a couple of months at most. At the time of the call, they suggested that I take out a loan against my 401K, but I told them that it did n't make sense for me to go further in to debt since such a loan would be interest bearing and I would end up owing more then I do now. 


On XX/XX/XXXX, I received a letter from XXXX XXXX , XXXX, that stated the following, " We are in the process of requesting suit authorization from our client. It has been determined that you have assets. This account is being scheduled to be forwarded to an attorney. Our client requires that we take this action when normal collection efforts do not resolve the outstanding debt. We will not make an exception to this requirement. Unless payment in full is made to our office in fourteen days, or you contact our office to discuss a reasonable repayment arrangement, your account may be referred to an attorney to determine appropriate action. " The letter is harassment and is misrepresentation. I have no assets, I do n't own a car. I rent and as I have told XXXX, I am currently not working. Further, I had just contacted them to let them know all of this as well. The tone of the letter threatens lawsuit, and after just one month of no payment since outrageous. Further, it is unclear if Access group, the underlying creditor will even take such action, but the tone of the letter leads once to believe that it is the case. 

Company response: Company chooses not to provide a public response
Consumer complaint: To Whom It May Concern at the CFPB : I am a Wells Fargo customer, and when I used a non-Wells Fargo ATM, I was charged something like {$3.00} to withdraw {$20.00}. I understood that I would be charged that amount and agreed to pay it even though I consider the amount of the fee an obscenity. 
When I received my next feed statement from Wells Fargo, I saw that Wells Fargo had charged me an additional {$2.00} to withdraw {$20.00} from a non-Wells Fargo ATM. 
I am writing to complain about the Wells Fargo fee, which I did not know about at the time I withdrew the money. Such a fee is gouging. 
Can your organization get Wells Fargo and other banks to stop such gouging? 

Company response: Company chooses not to provide a public response
Consumer complaint: This issue is regarding a business check that I cashed at money mart XXXX California the XXXX store they charged me XXXX percent of XXXX $ when they were only supposed to charge me 3 % they refuse to pay back the7 % difference because I did n't catch the mistake before I left the store, the money was put on a XXXX visa card and XXXX $ cash was given to. Me as well for cash back from purchase .i was supposed to have been contact by district manager on XXXX she failed I finally tracked her down around XXXX XXXX she said nothing she can do.my budget was going to allow me to by a used car with that portion of the cash now I ca n't and I need transportation please HELP! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After a serious automobile accident in XX/XX/XXXX, I went to a dealership I had dealt with at least XXXX other times. I was not in a frame of mind to make a decision since I was suffering from a XXXX and had taken off walking XXXX miles due to my condition. the same salesman I had done business with in the past handled the account. He financed my vehicle through a bank VNB. not sure if it was in XXXX or XXXX, since I received harassing phone calls, telling me they had not received payments. Also, my vehicle and another XXXX have same VIN #. I was proud of my credit history until this bank ruined it. 

Company response: Company believes it acted appropriately as authorized by contract or law