AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: MACY 'S SENT US AN OVERDUE BILL FOR A BILL THAT WAS ALREADY PAID. THE NEW BILL HAD A {$25.00} LATE FEE & A {$2.00} INTEREST CHARGE. WE NEVERACCURE INTEREST. WE CALLED & PAID THE NEW BILL MINUS THE LATE FEEOVER THE PHONE. THEY WOULD NOT REMOVE THE INTEREST CHARGE. 
WE GOT PROOF OF PAYMENT FROM OUR BANK ON THE ORIGINAL CHARGE & HAVE FAXED IT TO MACY 'S PAYMENT RESEARCH & HAVE NOT HEARD FROM THEM. CALLED TODAY, & I WAS UPSET WITH THE HOLD TIME,XXXX, TOLDTHEM SO & I WAS HUNG UP ON. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear XXXX, XXXX school : XXXX XXXX, XXXX, Montana ; XXXX XX/XX/XXXX XXXX XXXX : University of XXXX XXXX XXXX XXXX ; graduating XX/XX/XXXX Unfortunately, I received my XXXX private student loans through Wells Fargo. Post graduation, the multiple loans were consolidated into XXXX loan. I worked for a few years and was able to easily make payments. However, upon attending law school, Wells Fargo informed me I would not be able to defer my payments during school. Now, I pay over {$280.00} per month for my XXXX loans. These payments are crushing. To get by, I have been forced to use credit cards as I have n't enough money to pay for necessities. I use my federal student loans from law school to pay for the Wells Fargo student loan and now all of my additional credit cards. The money always runs out at the end of the year, and I end up racking up late payments galore. If student loans were dischargeable, I would have filed bankruptcy. If my parents had not have co-signed I probably would have quit paying them, becuase I simply can not do it anymore. 
I am in the top XXXX of my class and receive excellent grades. I have a job lined up for after school. I understand the nature of secured and unsecured transactions. I understand my contract obligations. However, before law school I was less savy. Had I known about the miserable circumstance I would be in now, I never would have consolidated my loans. I definitely would never have received a loan through Wells Fargo. Wells Fargo is 100 % unwilling to help. Their customer service representatives inform me that my type of loan is one of the only types that can not be deferred. This is predatory and unfair. This loan has ruined my life. I work 30 hours a week in addition to going to XXXX in order to make these payments. I am going to work 12 hours XX/XX/XXXX so that I can hopefully catch up. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, My personal checking account at bank of America was closed without any warning and good reason. this cause my financial difficulty and unknown damaged in the future. 
After calling BOA several times and provide the information that they need, they still freeze my money and said take 7 days to resume my account. At this time I have no confidence to the bank of america and hope this is not some employee try to cheat. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of American had repossession my vehicle for been 2 months behind the did not sent me a letter stated they was going to repossession my vehicle. The only letter I received was I was behind XXXX dollar behind and i needed to get it caught up. After I contact them to ask what I need to do to get my vehicle back they stated you how to pay your vehicle off XXXX because I was late on my account my last three payment. They ask me why was I late I stated my husband had a XXXX XX/XX/XXXX and I been the only one with income. The first lady I talk to she stated that they will ask for what you owe and fees for repossession. I stated okay and she gave me number to the repossession and they stated I have to pay the car off before I can get it back because I was late and I am 2 months behind. I want to know are they suppose to send me a letter to let me know that my car in the process of been repose before they pick it up. They only letter I received was I need to get my account current and the amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: This was done at the time when I was on XXXX from XXXX XXXX only making XXXX an hour with no insurance and XXXX kids and a husband who could not find work the hospital put me on a " sliding scale '' so it was cheaper supposedly and I qualified for XXXX but they did not help me get on XXXX I applied 3 times for XXXX but it was always on a " pending '' status and then the time ran out and then it came back as declined!!! I was on food stamps for dying out loud but could not get approved for XXXX! I had an XXXX that required me to take care of it other wise I would XXXX the doctor gave me no option she said it was life threatening!! I applied and applied for XXXX but still got denied on low income and single income my family only had me to provide!!! This is not fair to me that I was doing the required steps to get this taken care of and this was at the time XXXX was just rolling out and it ended up messing with my credit and showing as a delinquency! I want this removed from my credit! This was not my fault!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The credit card I received from Barclays expressly said on the advertising that there was no annual fee. I have the original paperwork I received from Barclays where it states that there is no annual fee. They charged me an annual fee. I disputed it in writing, and sent via certified mail. They did not respond within 30 days, and have not acknowledged my dispute. It has been several months, and over time they have added late fees and harmed my credit reports. I also telephoned them ; they told me that they were investigating, and promised in writing to remove the negative information on my credit reports within 1 month. More than 3 months later, they finally removed the charge, but the damage on my credit reports remain, and there is no indication on my credit reports that the charge was disputed. 
Barclays sent me a letter claiming " We called you several times to discuss your concern, but were unable to reach you. '' I do not remember received a phone call related to this, but I know that I telephoned them starting in XXXX over this issue, and again in XXXX and XXXX. 
I believe this problem occurred because I originally applied in XXXX for a Barclay Arrival+ Mastercard that did include an annual fee. Before the annual fee was charged almost a year later, I called to cancel the card. Their sales team convinced me to switch to their fee-free card ( the Arrival Barclaycard Mastercard ), and I agreed. I received the new card in XXXX XXXX, with new terms and literature showing that there would be have no annual fee. After 10 months, I was sent a courtesy letter informing me that I would be charged an annual fee. But the letter did not state that it was a change in my card terms of that I otherwise could avoid the fee. I telephoned, and the account representative confirmed on the telephone with me that my product has no annual fee. I then carefully watched for my XXXX bill, and found that the account representative was wrong. There was an annual fee charged even though Barclays allegedly converted my card to a card without an annual fee. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I lost my job in XXXX ( XX/XX/XXXX ). On XX/XX/XXXX, I sent a letter to Sallie Mae stating I was unemployed, and was seeking employment. I stated that I had no income and was forced to move back in with my mother ( at her house ). I could not afford the {$50.00} payment they were demanding I make just to defer my loan. I stated that as soon as I would gain employment, I would contact them. They have refused to deal with me and refuse to accept my situation. They do not seem to understand that I have no money and no income. 
I have applied for several jobs but am still waiting to hear back. I have also applied at XXXX Universities ( XXXX departments ) in order to return to full time classes XXXX and resume my graduate studies. 
I have done all I can do for now and as I stated I have no money and no income. Sallie Mae just refuses to listen or to deal with me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX County Court for an account that I knew nothing about. Whilst investigating this information I approached XXXX County Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Trans Union make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry. 

Company response: Company chooses not to provide a public response
Consumer complaint: Account showing as missed payment but account was placed in deferred status. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX : Connected to XXXX XXXX XXXX XXXX : Your reference number for this chat session is XXXX XXXX XXXX Customer XXXX : Initial Question/Comment : Sears gave me a temporary store card pass in XXXX to use while waiting for my card in the mail. I went to shop and this cashier run my credit XXXX more times without my consent when I specifically told her No that I 'm using my store pass. 
XXXX XXXX XXXX : Thank you for contacting the Federal Trade Commission 's Complaint Assistant Technical Support Desk. 
XXXX XXXX XXXX XXXX : Your chat conversation may be monitored for quality assurance purposes. 
XXXX XXXX : Connected with XXXX XXXX XXXX Agent XXXX : Good morning XXXX. I 'm sorry to hear about that happening. How can I help you today? Do you need assistance to file a report online on the FTC complaint assistant page? 
XXXX XXXX Customer XXXX : I guess so. Because it 's not fair when someone is trying to build up a good credit and for someone else to purposely messing it up. 
XXXX XXXX XXXX XXXX : I understand. You can choose report that on our complaint assistant by choosing the category " XXXX and XXXX '' and the subcategory " Credit and Loans : Credit cards, credit reporting, mortgages, pay day loans or other loan services ''. You can report the company and can type a summary of what happened in your own words. 
XXXX XXXX Agent XXXX : You can also contact the CFPB at XXXX. They are the government office that regulates how/when companies are allowed to get access to your credit and can file a report and give additional information on that topic. 
XXXX XXXX Customer XXXX : Credit Bureau needs to be aware of scams like this and help customers like me to keep a good credit. What would be the purpose for me to apply for credit XXXX x within a month in the same store when I am already granting a credit. 
And when I am well aware that every time someone run a credit check on someone else, their XXXX score, I think goes down. Why would I do that to myself if I want to build up a good credit? Okay, I am going to call the CFPB. Think you XXXX for the chat. 
XXXX XXXX Agent XXXX : You 're welcome. And thank you for contacting the Federal Trade Commission. Have a good Day. 
XXXX XXXX Customer XXXX : You too and XXXX bless you. 
Please help me because I do n't want my score to get affected 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a complaint against Wells Fargo relating to the refinancing of a mortgage loan that I have with them. I requested a XXXX Loan and they told me that I was not eligible for it, even though I was never late with my payments, had a XXXX Loan and the property was worth less than the loan. 
They processed my loan as a conventional loan, had me pay for an appraisal and then said that they would offer the loan if I would bring a large sum of money to the closing.. 
I believe that they were unethical in their dealings with me, because while they would not have known to value of the property, to assume that its value would have increased in the last 10 years enough to make us invalid for XXXX would not make sense, even to an lay person. 

Company response: Company chooses not to provide a public response
Consumer complaint: This was a medical expense for an expensive procedure that was eventually covered in full by my insurance. At first my insurance only covered the expense as out of network, but I filed an appeal and eventually got my insurance to cover the entire expense as in-network. The appeal process took a long time, but all the while I called XXXX the doctors office XXXX and the debt collector ( Allied Collection Services ) several times to inform them they will likely be paid by the insurance company, not me. I provided them with documents proving my claim was still under review by my insurance. They would n't even take them from me. 

The debt collectors response was to threaten me with over {$700.00} in legal fees and interest. They also threatened to report me to the credit agencies. In order to " avoid all of this '' they forced me to sign a Promissory Note for the debt that was still in dispute. Before I signed I added notes to the side of the Promissory Note saying they will not do any of the above if and when they are paid by insurance. ( see attached ). They obviously ignored that, as even after my insurance has paid in full they reported " my debt '' to the credit agencies as unpaid. 

I have forgotten bills before, and I have had the unfortunate experience of dealing with debt collectors before. However, I have to say this debt collector was absolutely horrible to work with. Their tactics are horrible, they care nothing of the circumstances of the debt in question, and do not hesitate to threaten all kinds of actions against you. Also, when you call or visit them they transfer you from person to person each without enough experience/authority to do anything other than repeat the above threats. 

Company response: Company chooses not to provide a public response
Consumer complaint: I closed my Nevada State Bank checking account, but still have a credit card with them. The NSB teller closed my online banking account at the same time without my knowledge. I 've been unable to receive credit card statements by email or mail. I called multiple times asking them to send me a bill, but they could not help me with my request. Why ca n't I get a bill mailed to me? How hard is that! As a result NSB has now charged me late a fee. Since I have NO bills of any kind, I do n't know what I 've paid in late charges. Please help me Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: We mailed our monthly mortgage payment to Provident Funding on XXXX XXXX. However, Provident did not cash the payment until XXXX XXXX. In the meantime, Provident assessed a late fee on our account. 
On XXXX XXXX, prior to the assessment of the late fee, I emailed Provident to find out why our payment was n't cashed. However, I did not receive a response until the late fee was imminent. 
Provident assessed the late fee on XXXX XXXX, then decided to cash our check the next day. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently had my mortgage purchased by Plaza Home Mortgage several months ago. I have made all of my payments to Plaza Home Mortgage in a timely manner and was early for the payment due on XXXX/XXXX/XXXX. The early payment was paid electronically on XXXX/XXXX/XXXX and was processed on XXXX/XXXX/XXXX according to my bank account. Last week XXXX, I received several phone calls from plaza home mortgage which the person hung up on me. I immediately called back and was informed by the recording that I had tried to call after normal business hours. When I did eventually contact an employee who identified himself as " XXXX '' I was informed my account had been transferred to collections and that any information obtained would be used in an attempt to collect that debt. I informed XXXX that I had made all of my payments on time and he informed that all of Plaza Home Mortgage loans were considered to be in collections as an outstanding debt until the loan is paid off completely. XXXX assured me it was an accident on their part and my account was in fact current and should not worry about it. On XXXX/XXXX/XXXX, I received a mid month statement from Plaza Home Mortgage stating I owed an overdue amount and would need to make a double payment on XXXX/XXXX/XXXX. As someone who has gone through a foreclosure in the past I am afraid anytime someone tells me I am in collections and I also fear this would reflect poorly on my credit report if these false delinquent notices continue. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Bank of America charged me XXXX {$35.00} on the same overdraft charge for XXXX item for less than {$20.00}. They said my account overdraft on XX/XX/XXXX but sent a certified email stating that my acct was less than {$25.00} on XX/XX/XXXX at XXXX XXXX. So they waited until sleeping hours to process the charge and before I could transfer the additional funds ( which is totally possible considering I have XXXX accounts with them ) they charged me an overdraft, and not once but FOUR times. I then called and was put on hold for over 30 minutes and got hung up on. 

Company response: Company chooses not to provide a public response
Consumer complaint: Rosen Mgmt at XXXX has been calling me about a debt that I do not have any knowledge of owing from 2011. They are claiming i took out a payday loan and did not pay it back. I have no knowledge of said loan. Then she claimed to be from the garnsihment dept of Rosen Mgmt and my pay was about to be garnished unless I paid said debt. I asked them for information on the debt and she stated I should have received it in the mail. I said i have not received anything from you company. She then stated it was sent cerftfied mail. I said could you send it again. I have been waiting 2 weeks. But, this debt collector called my place of employment. Claim # XXXX. I 'm also getting a robo call once a day from them using various numbers. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Did not Identify themselves, nor give a name, said that it was attempt to collect a debt, called me at work, and said it was for XXXX in which I have not had in 7 or eight years. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX I Opened an account with XXXX, submitted XXXX payment, my light was never turned on, I consistently called XXXX XXXX sent bank statements showing that I paid them, then in XXXX 2015 I received a call from XXXX stating that they would they would send me a check for XXXX because they own XXXX and my lights were never put on, After receiving the check from XXXX, I changed it, after changing it, I received a letter stating that I owe them XXXX, my credit score was in the XXXX, I called torres collections explaining the situation, they said they would get back to me and never did now this money that they stated I owe is on my credit score. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: HELP REQUEST FOR MODIFICATION OF MY BANK LOAN AND SEND ALL DOCUMENTS NEEDED IN DATE XXXX/XXXX/2015, I CALLED the bank and was informed that THEY RECEIVED ALL DOCUMENT, BUT THEY PUT SALE DATE TO MY HOUSE FOR XXXX / 2015I CALLED TO REQUEST INFORMATION AND CONFIRMED MY CASE IF YOU NEED ANY DOCUMENT, THEY SAID EVERYTHING WAS FINE. They DID N'T CALL ME AND DO NOT WANT TO SUSPEND THE DATE OF SALE. 
ALL MY CALLS are registered in the bank 's system, please help. I DO N'T lose my house. 
THEY DO N'T LIKE HELP ME. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have my credit card payment on a weekly pay cycle of $ XXXX/week. During the course of a month ( 4 weeks or 28 days ) I make a cumulative monthly payment of {$220.00}. My minimum monthly payment due on my credit card was {$180.00}, due on XXXX XXXX, 2015. 
I was charged a {$38.00} late fee on my XXXX billing due to the timing of the billing cycle and the corresponding payments. 
My due date each month is on the XXXX, but my cycle does not end until the XXXX. During the month of XXXX I had a payment applied on the XXXX, which is between the XXXX and XXXX. 
The application of the XXXX XXXX payment was applied backwards, to my XXXX payment requirement. The resulting billing period for XXXX XXXX through my due date XXXX XXXX only had 3 weeks ( 23 days ) to make my payment. My payments were made each week on XXXX, XXXX, XXXX. 
The XXXX XXXX payment should have been my XXXX payment, which would have been 4 weeks ( 30 days ). 
I did contact the company and talked to a supervisor. The supervisor did state and confirmed that I was being charged a late fee for paying my bill early and on a regular basis, but there was nothing she could do about the late fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a follow-up to Case Number XXXX. US Bank acknowledge in their response that they misplaced a check and once a new check is issued and paid they will resolve the outstanding loan and ensure the " credit bureau is corrected effective the total loss date. '' On XXXX XXXX, the insurance company sent a mailed a check replacing the check US Bank lost. I immediately went to the bank to sign the check over and to being the stets to resolve this issue. To date, I have not received a release of the lien. Instead, I received a " Notice of Intent '' demanding {$5600.00} considerably more than the {$3200.00} balance noted in the XXXX XXXX letter mailed to be in regards to my previous complaint. Furthermore, US Bank has failed to pay back the {$180.00} overpayment ; stating it was recouped to pay for fees. I advised US Bank that I was unaware of being charged any fees. I inquired as to what the fees were pertaining to and again advised that if they were related to charged that would not have been incurred if the original check had not been misplaced. The bank representative ( XXXX ) could not advised. I did inform US Bank that without being informed of any charges and their ability not to justify retaining the {$180.00}, is nothing more than theft. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage through Flagstar Bank that I feel behind on in XXXX. I began a modification process in XXXX XXXX and was placed on a trail period with payments {$100.00} more than original payments. After successfully making XXXX payments I was told paperwork would be sent in the mail regarding the modification. I received a packet that contained documents to be signed by a notary and a witness with a due date just days after receipt. After reviewing the documents it was obvious that no previous payments were credited to my account. Additionally, I was asked to pay closing costs, an additional {$40000.00} for my home and to start the 30 year term over again. I called today to make another `` trail period payment '' and to discuss the issues I had with documentation when I was told that my file was closed and I would have to reapply for a modification. I was told that my home was going back into forclosure process and they were not able to take my payment. My " single point of contact '' was not available to communicate with and I was forwarded to a voicemail after asking who I could speak to about these issues. 

Company response: Company chooses not to provide a public response