AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Macy 's American Express Credit Card ( " AMEX '' ) failed to deliver my e-statements through the XXXX XXXX XXXX Bill Pay for three months in XX/XX/XXXX. During those three months, AMEX continued to incur and accrue interest and penalties on my account. On XXXX/XXXX/XXXX, I had phone conversations with XXXX different AMEX customer service representatives attempting to resolve the situation. During one of the phone conversations, a representative indirectly refused to mail me the missing statements ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and my request to speak to a supervisor was denied as well. In addition, some of the key information provided by the XXXX customer service representatives during the phone calls was inconsistent with the information listed in the XXXX XXXX XXXX XXXX/American Express Credit Card Agreement regarding the billing statement. 
My AMEX credit card account was opened in XX/XX/XXXX. Since then, there has been no change to my AMEX account and account number and the XXXX XXXX XXXX Bill Pay and e-statements through XXXX XXXX XXXX. On XXXX/XXXX/XXXX, I paid the cumulative interest and penalty of {$100.00} in the XXXX, CA Macy 's Department Store to stop the AMEX account from continuing to incur interest and penalties while the complaint process continues. 
As of today, AMEX has not delivered my missing statements. Please see the attached personal statement and supporting documents for details. 

Company response: Company chooses not to provide a public response
Consumer complaint: After I requested information from the credit bureau company they sent me a letter telling me they needed more information and that the S.S. # I gave them did not match the identification in they 're database. I however sent them more proof, including a letter from the S.S administration. The next letter they sent me was to inform me that either I did not provide the sufficient amount of information or I have not established credit history. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I refinanced my FHA loan XX/XX/2015 through a program to reduce my mortgage insurance. HomeBridge Financial Services acquired my loan at that time and began harrassing me by calling repeatedly ( while I was at work on my cell phone and on my work phone ) about paying my mortgage, even though the checks I sent in were cashed! 

Now I have a new, VERY serious problem. I have received Notices of Delinquent Secured Taxes with late penalties of over {$1200.00} due to the fact that no one has paid the taxes on this property. This is completely unacceptable and I will not be held liable for these late charges. I was NEVER told that I would be responsible for getting the taxes paid. This is an FHA loan and therefore an impound account is assumed and it was my understanding that this is n't something I have to worry about or handle on my own. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: In XXXX XXXX, my account was transferred from XXXX XXXX to ATG Credit to collect a debt that is owed to XXXX XXXX. In XXXX XXXX, I received final statement from XXXX XXXX that my remaining balance for my debt was in the amount of {$25000.00}. However, when ATG Credit first contacted me to collect this transferred debt it stated that I am to owe {$32000.00}. I contacted ATG Credit on several attempts to communicate that the balance due did not match what I have paid towards this debt. I also informed ATG Credit that the debt they attempted to collect does not have the monthly payments I provided to XXXX XXXX for the last two years accounted for. I still provided ATG Credit with monthly payments in the amount of {$250.00} from XXXX XXXX- XXXX XXXX, as I was instructed that they would resolve the matter. I was told from a representative at XXXX Credit that they would communicate with XXXX XXXX and the original collector, " XXXX XXXX '' to confirm my remaining balance. However, I have not received any confirmation and no one has resolved the matter. XXXX XXXX, I asked for ATG Credit to remove my credit card information and to stop taking payment until the matter is resolved. From XXXX XXXX, this is still an issue that has not been resolved. I am continually receiving letters from ATG Credit stating that I owe {$32.00}, XXXX in full, but nothing that confirms they are looking into resolving my remaining balance due. I have not received payment confirmation from ATG Credit for payments made between XX/XX/XXXX-XX/XX/XXXX, even though I have requested this each month. I changed my address to my parents ' address in the event that I was not receiving their letters, but even with the change in address nothing was or has been delivered to my parents ' address as well. I worry that this company is collecting debt with no clear statement of what the remaining balance is. It should not take a matter of six months to communicate with the debt collector what the remaining balance of the loan should be. ATG Credit has been very rude and provided poor service to resolve this matter. I have faxed and emailed ATG Credit my last balance statement from XXXX XXXX as proof of what my remaining balance should be, and the matter was still not resolved. This collector is not doing their part to fix this issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife had her cards lost or stollen. We contacted the banks we do business with, all of them EXCEPT for XXXX were super helpful. 

Wells Fargo kept her on hold for over an hour and ultimately REFUSED to suspend the card. We then requested to cancel the account to prevent any unauthorized charges, they refused that also. We spoke with supervisors and other groups, nobody could assist. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been trying to get a loan modification from Wells Fargo due to a change in my income. They are giving me the run around, as if they are purposely trying to put me out of my home. They keep dragging this thing on and asking for the same papers over and over again, only to be denied. 
They are not helpful in any way but to take my home. 
I really need help. I do n't know what else to do when my mortgage servicer refuse me any help 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX mortgage with WELLS FARGO. They are trying to steal my home. They are not reporting my full payments. They keep denying me a loan modification the XXXX they tried to give me was not lowering my monthly payments but raising it. They would not consider the XXXX program. 
My mortgage is bundled and sold as a MORTGAGE BACK SECURITY. I worked hard to get my family a home it may not be much to most people, but to me and my family it is our AMERICAN DREAM. I teach my boys if you work had and do good you will be blessed. PLEASE DO N'T LET WELLS FARGO TAKE MY HOME FROM MY FAMILY AND MYSELF. THEY KEEP ASKING ME FOR THE SAME PAPERS OVER AND OVER AGAIN, ONLY TO DENY ME, THIS IS WRONG. PAPERS WERE ROBO SIGNED AND FORGED. Wells Fargo never intended to give me a modification. They are working against me and denying me many of my rights 

Company response: Company chooses not to provide a public response
Consumer complaint: I checked my credit report daily ever since I was informed by my credit card XXXX XXXX XXXX on XXXX XXXX, XXXX that someone stole my identity and opened several credit card accounts fraudulently. The suspect used a fake address XXXX XXXX XXXX, XXXX California to obtain these credit cards and avoided captured and payments. I noticed the suspect began obtaining these credit cards since XXXX XXXX and committed the crime of theft in XXXX California. On XXXX XXXX, XXXX I noticed the suspect opened a Macy 's credit card account number XXXX based on the credit report XXXX sent me. I disputed the fraudulent charges due to identity theft and the fact I have NEVER lived in XXXX, California. I contacted Macy 's on XXXX/XXXX/XXXX and spoke to the Fraud Department at ( XXXX ) XXXX. I spoke with XXXX ID # XXXX. I told XXXX that I have been a victim of Identity Theft since XXXX XXXX, XXXX and the suspect has been using my name, date of birth and social security number to obtain credit cards since XXXX XXXX. I told XXXX all I want to do is to restore my identity, my excellent credit score of XXXX points and reputation again. XXXX asked me several security questions and told me that he was going to send me a list of documents to fill out so that he can conduct an investigation. I told XXXX that I will cooperate with him and Macy 's in order to restore my identity and excellent credit score of XXXX points. Today is XXXX/XXXX/XXXX at approximately XXXX hours ( Pacific Time ). I have NOT received any documents from Macy 's at all in the mail box. I tried contacting Macy 's at ( XXXX ) XXXX and at ( XXXX ) XXXX. All Macy 's did was to put me on hold for over 30 minutes and almost one hour and still I did NOT get any assistance or help that I needed. I am very upset with Macy 's on how it treats customers. I contacted Macy 's at XXXX hours on XXXX/XXXX/XXXX and spoke with XXXX. XXXX tried to get someone to assist me but she failed. I told XXXX that I have been calling the Fraud Department at ( XXXX ) XXXX for over 2 hours and still no one was there to assist me or answer my calls. I am very upset for the long hours of waiting period with NO assistance. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We were sent forms for a short sale for loan # XXXX on XXXX XXXX, 2015. 
We got a realtor. The house was put on the market. We sent forms to Wells Fargo. 
Everything was going fine. The house was locked and foreclosed on. We received no notice. 
I spoke to Wells Fargo on the phone about the property at XXXX XXXX XXXX XXXX XXXX. We have XXXX loans with them. This XXXX was a line of credit. We were locked out of our home with no notice. I was told on the phone over and over that we were fine and in a short sale. The rep kept telling me it wasnt happening, the realtor said it was happening and took house off market. We were never notified. We followed all the steps we were told and they still took without notice. This was done unlawfully, we believe. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Even after I made a partial payment they immediately continued calling me every 30 minutes starting at XXXX until XXXX. While I am still making my weekly payments I just missed one payment but continued the rest and they wo n't stop calling me.I am still paying them every two weeks. Then when I do contact them they are n't willing to help. They say that they ca n't reach me well pretty soon they are going to get me fired from my job. 

Company response: Company chooses not to provide a public response
Consumer complaint: To Whom It May Concern : I reached out to Experian to dispute an item that appeared on my credit report. While Experian stated that it investigated the dispute, and has now resolved the dispute. I received no information on how the dispute was resolved or whether it is a reasonable way to resolve the dispute. The information contained on my credit report is inaccurate. There appears to be some third party debt collector to whom I 've never received any communication for a bill that was paid directly to the creditor. 

Thanks. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: An original complaint was filed in regard to the negligence of Transunion to investigate errors on my credit report on XXXX XXXX, 2016. In a response to those issues in complaint # XXXX, Transunion is choosing to extend time to investigate disputes it has not investigated. Simply because the company has provided no proof it ever investigated. However, upon receiving claims dated XXXX XXXX, 2016, that XXXX accounts are deemed frivilous due to their classification as already investigated is false. See Attached. In any event, these arbitrary action will be met with equal resistance toward compliance. Thank you in advance for your prompt response. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Got more calls from Synchrony Bank - they left message from XXXX and said Synchrony Bank re Old Navy and to return the call. I called them back and told them I was reporting them to the FBI and to stop calling me and harassing me. I filed a complaint against them yesterday # XXXX. They keep calling me from 3-5 times a day starting at XXXX XXXX until XXXX XXXX. This is the first time they left a message and to call XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I took out XXXX personal loans on XXXX separate occasions from XXXX XXXX XXXX : ( 1 ) {$2000.00} and ( 2 ) {$6000.00}. I have already paid over {$14000.00} for both. I stopped paying for the last loan since I was told I had paid it off, but still owed {$4600.00}. The law firm to whom my outstanding debt was sent, Cohn, Goldberg & Deutsch said they may sue me for an additional {$4600.00}. Can you help with this excessive usury? Thank you. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: i paid a company called XXXX a total of XXXX on XX/XX/2014 i paid XXXX and on XX/XX/2014 i paid XXXX i contacted my bank citi master card and explained the situation with different companies and proved to them i was part of collusion by these companies.i provided citi all the information they requested.i received what i consider a form letter of denial.i sent so much proof of no services rendered there is no way in the short period of time i received my denial letter citi could not have done a thorough investigation on my behalf.i think i deserve better service than that. 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up for auto payment on my Sallie Mae account, to take advantage of the reduced interest. Because Sallie Mae does not allow me to set up my own auto payment amount, the {$25.00} dollar payment is not enough to cover the interest. So I have tried to ways to make additional payments to pay down the principal. One way is through the Sallie Mae site, but my payment was used for interest. When I called Sallie Mae, they said that it was because I paid before the due date that I should use my banks Bill pay. I have now used my bank bill pay, and my payment was still used for interest. I called again and Sallie Mae stated that it is because it was a day after my due date. I have auto payment so I do n't understand how my additional payment would be used for future interest. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: TransUnion has inadequate & incorrect criteria for credit reporting. For instance, I have had over {$56000.00} in auto loans over the last 10 years, paid XXXX % on time,XXXX yet this is n't figured into their scoring procedures, plus XXXX % on time mortgage payments on hundreds of thousands in real estate loans. In addition, they improperly weight 2 late payments as extremely credit lowering, where on the XXXX accounts in question alone, this represented XXXX % of payments over 24-48 months and they give no credit for XXXX auto payments made on time. I 'm sure they do this to everyone though it is a totally invalid and misleading approach to representing an individual 's payment & credit status. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Upon applying for a home loan, a credit inquiry was pulled from the credit bureaus. A debt amount of {$390.00} was reported by Enhanced Recovery Company as non-payment on a XXXX phone account. I disputed the debit as not belonging to me. 

I received a letter on XXXX XXXX, 2016 from ERC stating that they were going to have the debt removed from all bureaus. It was then removed from the credit reports on XXXX XXXX, 2016. It appeared to be resolved. 

The loan company then required that we all participate in a call where XXXX, myself, and ERC are all connected and ERC verbally confirms to XXXX that the debt has been resolved. 

On that call, ERC says that the debt is still owed and that they sent no such letter etc. This has caused the loan company to hold off on the loan until there is resolution. 

This is not my debt which ERC has acknowledged in writing. They are falsely trying to collect the {$390.00} knowing and acknowledging in writing that this is not my debt. Essentially, they believe that I am in between a rock and a hard place and can be forced to pay the debt or risk losing the house. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: on today 's date on XXXX/XXXX/XXXX I contacted ARS a collection agency in the state of florida located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ph # ( XXXX ) XXXX to verify some information that is reported on my credit report. ARS advised me that I have XXXX accounts placed with them by XXXX XXXX XXXX I requested all dates and amounts they claim was reported and I was given XXXX/XXXX/XXXX {$510.00}, XXXX/XXXX/XXXX {$320.00}, XXXX/XXXX/XXXX {$550.00}, XXXX/XXXX/XXXX {$550.00}, XXXX/XXXX/XXXX {$420.00}, XXXX/XXXX/XXXX {$340.00}, XXXX/XXXX/XXXX {$340.00}, XXXX/XXXX/XXXX {$510.00}, XXXX/XXXX/XXXX {$240.00}, & XXXX/XXXX/XXXX {$450.00} after questioning ARS as to why they have double accounts on my credit for XXXX/XXXX/XXXX for the same amount as well as other accounts that are just days apart and they did n't seem to have an answer I contacted the original creditor which again is XXXX XXXX XXXX. and I was told they only reported XXXX accounts to ARS and gave them the dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX I was then told ARS should not have any other accounts against me which means ARS has FALSELY reported accounts against me to the credit bureaus which has damaged my credit and there is a total of {$2200.00} in fake accounts now on my credit! I researched ARS and they have done this to other consumers as well they have reports against them online and need to be stopped! I want them held accountable for this, I want the accounts they falsely reported removed and I am also seeking money damages for hurting my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a problem with a loan I got in XXXX XXXX, and subsequently refinanced again in a later date. Now about six months ago I found out that there are still XXXX outstanding liens from this transaction on my property. Also in XXXX the hat a wildfire come through and burned my house and most my records. This loan from XXXX was financed by Bank of America and I 've been working with Bank of America for six months or more and they are on able or unwilling to give me any pertinent information. These liens on my property from the prior owner causes me great financial trouble, I can not get in equity line of credit or sell the property lists these XXXX outstanding liens present. Thank you very much XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a tax lien on my credit file that was withdrawn from the State of Michigan and is properly filed on XXXX by the XXXX County Register of Deeds. I have sent copies to the credit bureau and they continue to verify the lien as reported properly. When I call and tell them it is wrong, they continue to say it is correct. The XXXX County Register of Deeds has recommended I reach out to you as this is an ongoing problem and they have no idea why Experian will not remove this. Also, I purchased a new vehicle in XX/XX/XXXX. I authorized an inquiry from XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. Some how my credit application went to several banks and credit unions instead of just those XXXX. When I told the credit bureau of this, their response was " inquires are a matter of record and remain for 2 years and they are unable to be disputed. If I want them removed, notify each bank and credit bureau and have them send removal request ''. Experian is affecting my interest rates and potential to obtain credit 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A card I have operated through Macy 's has assessed me an inordinate amount of unwarranted fines. They charged me late fees ( {$130.00} ) on bills I never received and refused to refund them. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: US Bank has an online app through the iPhone that allows consumers to make payments on credit cards via their checking account ( both the checking account and credit card are US Bank affiliated ). The application gave no visual feedback confirming a payment in the amount of {$1500.00} was made after two attempts. This seems to be a software bug ( usually I get a confirmation of payment ). So I used the desktop browser online banking to make my payment of {$1500.00}. Everything seemed fine until the night of Friday XX/XX/XXXX into Saturday XX/XX/XXXX when {$3000.00} additional were withdrawn from my checking account and placed on the card. Ironically the one time {$1500.00} payment paid off the card in full. So what is now reflecting in my bank account is an overdrafted checking account of about - {$2200.00} and a negative credit card balance of {$3000.00} ( in other words, they owe me {$3000.00} ). 
I asked them to fix this immediately and was told that it may take up to 45 days to be resolved. Initially the credit card portion of US Bank customer service implied it was my fault and that I probably paid ahead in anticipation of a large purchase with my credit card ( not true ). When I finally spoke with a professional banker, the service was better but I was told that I am out of luck. As it is XX/XX/XXXX all of my future obligations to pay bills, student loans, and rent, may not go through my checking account, and I am responsible for all late fees incurred outside of the checking account. I was told that " eventually '' they will reverse the {$3000.00} overpayment and will not penalize me with overdraft fees. Is it really fair to me as a working class consumer with student loans that I must now face eviction and delinquencies on student loans all over a buggy iPhone app? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i paid a company called XXXX XXXX dollars in XXXX of 2014 on my citi master card. the amounts were XXXX XXXX and XXXX.i disputed these charges already with citi master card.same company and citi would only credit XXXX a fourth charge same company.the company closed down on me and i told citi this.citi also told me i only had one chance to dispute this and i could not update or change the dispute.i told citi repeatedly that i never received any service or product.i really dont think citi looked into this.how can citi credit XXXX charge for the same company and not the others.i really think citi mislead me. 

Company response: Company chooses not to provide a public response