AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX/XXXX/2015, I submitted a complaint against XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. The case was opened due to an open case with the landlord. At this time I am in appeal process and no judgment has been filed on the case. There was a hearing on XXXX/XXXX/2015 but was reset for XXXX/XXXX/2015. Per court documentation a XXXX Oath was filed on XXXX/XXXX/2015. At this time I have not been evicted, and I am currently still in the rental property. I have submitted attachments of the Notice of Appeal, as well as XXXX Order of Trial documents for XXXX dates. Each document has been stamped by XXXX XXXX XXXX XXXX Office. Until this case has been resolved in front of the judge, the landlord can not place this information on my credit report. Please refer to Case # XXXX for documentation submitted to Consumer Financial Protection Bureau. I have also mailed proof of documentation to each credit bureau, as well as disputed online. 
Each negative reporting of the judgment that has not been granted to the landlord must be removed accordingly. 

Company response: Company chooses not to provide a public response
Consumer complaint: Before going on vacation, I set my CitiBank credit card online account to pay my amount owed automatically on XXXX XXXX 2015. My bill of XXXX dollars was due the next day on XXXX XXXX 2015. When I returned from vacation on XXXX XXXX, I was shocked to see XXXX emails that had been sent to me on XXXX XXXX 2015 telling me my credit limits on XXXX cards that I hold with Citi had been significantly reduced XXXX XXXX card from XXXX to XXXX and the other from XXXX to XXXX dollars ) and the XXXX had been cancelled all together. I was also charged a XXXX dollar late fee and my APR was increased from XXXX to XXXX on my remaining cards. I called the company to complain about the situation and was basically told there was nothing they could do to help me. The representative did say he would ask them to remove the XXXX dollar late charge and any remark placed on my credit report, but they may or may not help me with that. I 'm sorry that their system was acting crazy when I tried to submit my payment and it might have not went through, but this being the XXXX time I have missed a payment deadline with them I would have expected them to call me ( seeing as they had my cell number already ) or send me an email ( since they apparently had that as well ). I am in disbelief that they could do this to a customer who has never missed a payment and payed more than the minimum amount most of the time for more than XXXX years. So basically, their website was acting up ( kept freezing up ) when I made the payment and I thought it went through and because of my error I triggered a credit downgrade, a huge credit APR increase, a XXXX dollar charge and a possible derogatory remark on my credit statement. By the way, I paid the entire XXXX dollars I was told I had to pay as the new minimum payment on XXXX/XXXX/15 ( the day I returned from vacation and saw the emails ). This from a company that had to be rescued by taxpayers just a few years ago for mismanaging their assets. I do n't think this is fair and it is abusive to consumers. I would appreciate any help that you could provide me. Thank You. 

Company response: Company chooses not to provide a public response
Consumer complaint: Professional Credit Management Inc hired a lawyer and filed suit on XXXX XXXX, 2015. I have not been notified by mail that they intended to pursue the matter in court, and was given no opportunity to discuss any potential settlement or payment.. I have not as of XXXX XXXX, 2015 been notified of their intent to sue or that they have actually filed suit as of XXXX XXXX, 2015. Research indicates this company has a D rating by the Better Business Bureau. This company has not called me as it does not have my phone number. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I am disputing the Chapter XXXX bankruptcy on that is listed with all credit bureaus. A Chapter XXXX, whether it is dismissed or successfully receives discharge, is on your credit report for XXXX years. 

Company response: Company chooses not to provide a public response
Consumer complaint: The item with XXXX XXXX XXXX is being investigated. The account was opened in XX/XX/XXXX and should be removed in the year of XX/XX/XXXX. It has been XXXX years that this account has been reported. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received CITI XXXX Card monthly statement for billing period XX/XX/XXXX-XX/XX/XXXX. Balance $XXXX and payment due date XX/XX/XXXX. Submitted total balance payment of ($XXXX)  with additional $XXXX for transaction not reflected on the statement on XX/XX/XXXX. Credit card acknowledges receipt of payment on XX/XX/XXXX However, the following month XX/XX/2015, i received another statement indicating a balance. CITI continues charging me interest rate on XX/XX/XXXX for the amount of ($XXXX). Charges are unacceptable, and credit card representatives do not listen.
Company response: Company chooses not to provide a public response
Consumer complaint: XXXX has hired SW credit systems after a debit that was already contested by myself last XX/XX/XXXX. XXXX nor the previous debit collector ever sent proof of debit or notification that any amount was standing. 

I have included the previous complaint number for this very same debit. XXXX

XXXX and SW credit systems are in violation of the fdcpa.
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The credit reporting agency continues to show inaccurate and/or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc.

The following are a list of inaccuracies/erroneous statuses still showing on my credit report:

1.) XXXX shows a late payment status. As per my XXXX complaint; and the documentation to go with that complaint, it is XXXX that has mis-managed the escrow, and as a result, caused the account to appear to have fallen behind. I have always paid according to the agreement(s) I've had with XXXX.

2.) XXXX. This account was never opened under my social security, yet the credit reporting agency continues to allow this inaccuracy to remain on my account in violation of the Fair Credit Reporting Act, et. al. It is in fact a business account, not personal, and thus, should have never appeared on my personal credit file. 

3.) The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report.

4.) Any inquiries, two or more years old, should no longer be showing on the account

Finally, there should be no new accounts, except a car loan via XXXX, showing on my record.
Company response: Company chooses not to provide a public response
Consumer complaint: On my credit report the account with XXXX XXXX XXXX was opened XX/XX/XXXX. As of today this has not been removed from my credit report. The 7-year clock starts ticking 180 days from the date XXXX month and year ) of the XXXX missed payment that led to charge off, collection, foreclosure or repossession. 
" The 7-year ( credit reporting ) period referred to in paragraphs XXXX 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. XX/XX/XXXXc ( 1 ) 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and were in the middle of a short sale when we received notice that our home was in auction, soon after we received another letter stating that we had to move out due to out home being sold. 
Horribly upset since the bank would not except ANY offers we had and a short sale VS forclosure is a little better but WHAT DO YA DO! 
No choice we moved. 
A while Later went to get a car only to find out that the forclosure is still showing open? 
= higher intrest. 
I have spoke to United security Financial several times who referred me XXXX, LLOOONNGGG story short ending up full circle every time! Right back to United Security, EVERY TIME! 
both my husband an I on different occasions have stopped by their rediclouse, god like, draped in gold, silver, crystals and $ $ $ facility, they said they would get it taken care of ... 
long while later went in to get another loan only to find out it is STILL showing open. 
Received that loan too but yet again keep getting a higher intrest rates. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Progressive Financial Services XXXX Inc. and I agreed to the minimal payment of {$5.00} a month on an overly inflated student loan total of {$59000.00}. I work 20 hrs a week at $ XXXX. I pay rent, phone and the IRS. I can barely buy food. I was told that I was eligible for the {$5.00} a month plan. So I faxed them a doc of income, pay stubs and references as they requested only to get a phone call saying that my monthly payments will be {$27.00} a month instead. I told them that 's not what we agreed on and I can only afford our original arrangement and the agent kept trying to " talk '' me into it and threatening to garnish my wages if I do n't pay the {$27.00} a month. I told them no deal and now they are constantly calling me, several times a day, at all hours of the day and never leaving a message. 

I thought that if I offer what I can pay and they accept that, they would finally get off my back and take my loan out of default. Not try to reel me in under false pretenses. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased Action item/timeshare Specialist on XXXX for {$510.00} ( see link ) : XXXXAdd Payment Accepted : *Cashiers Check*Money order *Wire Transfer *Credit Card *XXXXWas unable to purchase directly through XXXX/Timeshare specialist invoiced me directly through XXXX. I paid for item through my XXXX Account ( XXXXXXXXXXXX ). 
My CITI Bank card ( ending XXXX ) tried to charge me a fee for a cash advance ( {$25.00} ). I phoned Citi Bank & was going to cancel me card/pay off the card since this charge was a normal credit card transaction ( not a cash advance ). Citi Bank willingly waived the charge. A month or so goes by & Citi Bank tried to charge {$3.00} interest where as my card is a 0 % APR for 18 months ( ends XXXX 2015 ). Once again, I phone them & they said they will waive the fee only this month ( said, the charge was a cash advance ). I paid off my card in full the next day. Previously, I phoned XXXX & they stated there is nothing on XXXX item number : XXXX which states XXXX/credit card payments must be a cash advance. Citi Bank supervisors just state XXXX requested this to be a cash advance ( they refuse to give it in writing to me ). Contacted XXXX a few times over this & they state seller paid all the credit card fees ( this transaction was not a cash advance ). XXXX fraud dept emailed me this ( note XXXX stated they never process credit card as a cash advance, although only XXXX time the represenative said she saw it only XXXX when account had no $ in it ) : Dear XXXX XXXX, Thank you for contacting XXXX Customer Support today. As requested, here are the details of the transaction, in question : Transaction ID:XXXXMerchant Name : XXXX XXXX, XXXX. 
Date : XX/XX/2015Amount : {$510.00} USDDescription : Credit Card Payment Sent ( Service ) To clarify, this was not a cash advance payment. 
Sincerely, XXXX XXXX XXXX XXXX XXXX. All rights reservedContacted Citi Bank about this fraud & that I was going to report it. The supervisor said go right ahead, it does n't matter if the charge through XXXX states anything about a cash advance, they will process it as a cash advance ( gave examples such as casinos, energy bills ... ) & that if I do the same charge again that it will be charged as a Cash Advance ... 
I paid off my card in full {$1300.00} where as the {$3.00} interest they will waive. I do not plan on using Citi Bank for any of my future banking needs ever. I found this incident should be reported to a government agency for especially the next person due to its nature of a very possibly fraud activity of Citi Bank credit card practices. Any questions or need further information please contact me ; thanks & take care. 
Yours truly, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, NV XXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I began the process of refinancing my home with Bank of America, who currently holds my mortgage after being contacted by them several times, on XX/XX/2015.  After several requests for additional information, and a lot of confusion XXXX, they asked for verification about a particular payment I received, which caused a huge red flag, and they convinced me to close the loan application to start over, as it was easier for them.  This was in XX/XX/XXXX I believe.  I was shuffled through XXXX different people.  I spent a good portion of my time every day or so preparing information, even going into a branch at XXXX point to attempt to fax information directly to the agent who requested it.  After the restart, a new person contacted me, saying that additional information focusing more on my XXXX income would solve the confusion, and a new list of information requested was sent to me.  A lot of it had to come from my CPA and bookkeeper, so they prepared a large file for me to send and I did.  The agent who requested it emailed me back saying he would put it into my file.  Half an hour later he called me to apologize, that my loan had been cancelled, because he had failed to tell me I only had 72 hours to get my CPA and bookkeeper's information.  I had done nothing wrong.  It was their error XXXX and XXXX my loan was cancelled.
Today I got a Notice of Action Taken, which says that the application was not approved because of INSUFFICENT CASH : INSUFFICENT LIQUID ASSETS TO CLOSE THE LOAN.
I am in shock and horror - scared to death that this will end up on my credit report.  There was NEVER a suggestion that I did not have cash to close the loan.  I was ready each and every time they told me we were about to close to meet the requirements of the costs, which was approximately XXXX times.  I am completely panicked now that this huge bank has not only screwed up my credit by requesting it multiple times from the credit agencies, but now that this Notice is on my financial report as well.  I do not know who can help me and I have emailed the original agent I worked with there to help me, but I doubt I will even get a response.  I believe BofA needs to be disciplined for this.  No one got anything from this deal and now I am much worse off than if I had never said yes to them in the first place.
Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America did not complete my modification on the date as promised. XXXX of all, it took them almost a YEAR to complete it and then they closed it XXXX months later which impacted my Chapter XXXX filing, therefore showing us XXXX months past due. This was in XX/XX/XXXX. In addition to this, when our new mortgage company, XXXX XXXX, bought the loan from BOA in XX/XX/XXXX ; they showed us behind by XXXX years because BOA has n't been crediting our payments correctly!!! I ca n't get BOA to speak to me now to figure where my payments have went and I need to get this mess fixed!! 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2014 I completely paid in full a debt. 
Original creditor : XXXX XXXX XXXX XXXX The collection company was XXXX XXXX. There address is XXXX XXXX XXXX Ma XXXX XXXX # XXXX ref. # XXXX # XXXX was paid in full for {$770.00} They are reporting the account as charged off. This is incorrect. It was paid in full and when it was they had advised me by phone that it would be removed form my credit report. As of today it remains on the report as charged off. 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclaycards wanted to verify my identity after I made a large purchase attempt with my Barclay Arrival Plus credit card. They demanded some very sensitive documentations, e.g. copies of SSN card, driver 's license to be sent. I sent those documentations to the address they provided and have n't heard from them for 35 days. I called in multiple times to try to solve this problem. But their customer relation team just rudely denied any alternatives and kept suspending my account. I tried to jump out of this frustrating mess by paying off all the balance on the account. And yes, they allowed me to pay them while keeping me from charging them. They are even going to charge the annual fee for the card that I ca n't use because they did n't allow a suspended account to be closed. 

Company response: Company chooses not to provide a public response
Consumer complaint: We owed XXXX XXXX {$500.00} ; XXXX XXXX XXXX filed and obtained default judgment in XXXX XXXX Texas for {$5500.00} ; higher than the debt owed ; payments made were not included in XX/XX/XXXX. Now Nations Recovery Center in XXXX GA is threatening to garnish wages on XX/XX/XXXX for {$9400.00} and wants 25 % paid now which would be {$2300.00} or they will garnish my wages. This judgment is out of state and no longer on our credit report. We are not paying money again ; they would simply not count it and come after us for a higher amount ; numerous complaints on the web against Nations Recovery Center in XXXX GA. Complaints filed with FTC and XXXX Attorney General. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To Whom It May Concern : For over a year and a half, I have been working diligently with Bank Of America XXXX BOA ) on the unscrupulous actions carried out by Countrywide to entice, induce and / or assist a borrower in taking a modified mortgage that carries a high interest rate. A five year loan modification created by Countrywide was inherited by BOA when the modification ended in XX/XX/XXXX. The modification papers were signed in XX/XX/XXXX when the loan was backed by XXXX. In the five year period the modification was in existence, the loan was sold to a private investor. Refinancing and any type of modification has been denied by the investor through the lender, BOA. 

Company response: Company chooses not to provide a public response
Consumer complaint: U.S. Bank has been charging me XXXX overdraft fees, the XXXX overdraft fee is charged same day the purchase has been made and the second is charged XXXX hours after the account has been negative. The latter is legal, but not the XXXX charge because it is charged the same day. Not only have I had to pay additional fees the charges have in some instance made my account negative when it would not have been otherwise. I have also received overdraft fees when my account was not negative, the fees were waived, but it has happened on many occasions. In addition to this I have received XXXX overdraft charges for the same purchase, for instance XXXX charged would be stated as an " overdraft fee '' and the XXXX would be stated as a " negative balance fee '', a charge of which I have never received any direct information on. The last issue is that I have received overdraft fees that would increase each day following the initial fee, notices are sent through the mail, but does not show on your statement. I have not kept these statements for record, but others have stated that they have received the same type of fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was with XXXX for XXXX+ years. I decided to not renew because I was not satisfied with them. I was on a month to month contract, but, to simplify my life I just paid it annually in advance each year. The last renewal bill I did not pay. I switched alarm companies in XXXX. That same month I got a call from XXXX XXXX asking why I did not renew. I told the supervisor why and he stated he was sorry and asked what he could do to keep me as a customer. I told him I already switched XXXX and there was nothing. He said he would get back to me with a proposal anyway, I said fine, just email it to me. 
I never got that email and therefore did not even think about it. Sine that phone call I sold my home, purchased another and never gave this issue another thought until early this year, I noticed a collections on my credit report. They are claiming I owe {$330.00} for alarm services. Then I got to thinking about what happened. I had some questions. 1 ) Why are they charging me for almost a full year of service? 2 ) Why did n't the supervisor tell me this on the phone in XXXX when he knew I was with another company? 3 ) How long does it take to cancel a service for non payment? 
I called XXXX XXXX and they said they do not have the records anymore I have to deal with the collections company. 
I sent certified letters to the collection agency ( attached ) trying to resolve this and they are refusing my offer. I offered paying up to the time in XXXX that I spoke with the supervisor even though I feel I owe nothing. I think it is more than fair. I now understand that they require an advanced written notice to cancel. I think the supervisor had an obligation to notify me of this when I spoke to him on the phone. There was no way for me to know or remember this procedure from XXXX years ago. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received an email from Experian that the investigation is complete and my report. isready. Unfortunately, every time I tried to log into the report Experian 's website had problems and I ca n't log into it. I emailed customer service several days ago, got another email with the comment that my report is ready and again the website is telling me : '' We 're sorry, we experienced a system problem and are unable to provide your personal credit report for online viewing at this time. You may want to try again later '' 

Company response: Company chooses not to provide a public response
Consumer complaint: I returned the device to XXXX store within 14 days. The device was unopened and never used. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Paramount Recovery sent me information that states a {$0.00} and they are reporting a balance of {$2900.00} to all XXXX credit bureaus. 

Company response: Company believes the complaint is the result of a misunderstanding