AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am a victim of the worst customer service credit card, Macy 's. 
On XXXX XXXX, 2010 I spoke to XXXX XXXX XXXX from Macy 's Customer Service were I inquired about phone calls I received indicating that I had a delinquency in my account. She informed me that there was a {$37.00} charge pending payment and I expressed I did not recognized the charge as been my purchase. I also expressed my complete frustration with Macy 's Customer Service because I never received my credit card statements and I had called more than XXXX times to correct my address but always got a Customer Rep from XXXX and not even dictating every single word never got my address corrected. I had to go to the store every month with my receipts to pay in full my credit card. She indicated that my statements came back to Macy 's as undeliverable mail and corrected my address once again. She sent me copy of the {$37.00} receipt ( finally I receive something ) and I still did not recognize the purchase for which reason as she explained I should do ; I sent a dispute via fax to Macy 's XXXX disputing the {$37.00} charge in my account indicating I understood it was fraudulent and requesting an investigation. I also mentioned my complete dissatisfaction with Macy 's very poor Customer Service. Evidently, Macy 's was negligent in processing my dispute and investigation as I ended up with a collections/charged-off account for the first time in my life which has damaged the excellent credit I have been able to build up with many sacrifices over the years. This is a burden I now carry that is impeding me to refinance my mortgage because of my credit being damaged in all three major credit bureaus. 

Needless to say, I am a very responsible and thorough person with all my debts and have never had issues with other lenders where I have over XXXX in credit and all my accounts are paid as agreed. And I would definitely not neglect my credit for a {$37.00} charge!! 

I have been in contact since XXXX XXXX with both Macy 's and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX who now owns my Macy 's account and even XXXX XXXX the collection agency XXXX issued a dispute of the collections/charged-off account to be taken out of my XXXX credit reports. But today is XXXX XXXX and Macy 's has not solved this issue and I still have not been able to refinance my home! 

This has been a nightmare that has no end and Macy 's needs to be held accountable for the damage they cause to clients who like me have a damaged credit because of their own negligence. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a dispute in 2013 against the collection agency known as XXXX account number XXXX Phone number XXXX with Experian sometime in 2013. Experian failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: I required to file charging complaint against U.S. Bank into XXXX, Oregon because of they do not accept me with U.S. Bank checking account/debit because of Overdraft Record History with XXXX XXXX XXXX. I file complaint against U.S. Bank refused serve with me in opening account for personal checking and debit, included credit card because of Overdraft Record History and discriminates against me with deaf/hearing-impaired customer, appearances, and other source in U.S. Bank account, right now that I do not have any U.S.Bank account. I was not happy with U.S. Bank new account for me to use this credit/debit/check account because of bad records with credit record discrimination against me, and overdraft discrimination as well as service complaint package. 
Sent to U.S. Senators : ( finished ) 

Company response: Company chooses not to provide a public response
Consumer complaint: We owned a property in XXXX Florida. 
We have had problems dealing with the Mortgage Company ( in-consistent, transferred servicing/ change of attorneys etc ) and their non-conformance to a US Bankruptcy Court XXXX XXXX XXXX Court Order, Confirming our Chapter XXXX Plan, in which all parties agreed to " surrender of Property, in XXXX XXXX. 
My attorney was involved and also unsuccessful. 
Unfortunately the Mortgage company proceeded with Foreclosure rather than " Deed in lieu of ''. 
Keys were sent to a representative/agent of the Mortgage company in XXXX. 
We received in XXXX, a Florida Court document " Stipulation to consent to entry of Final Judgement ''. Clause advised that with signing the document we would receive {$1000.00} ( ( which we did in XXXX ) and another payment of {$2000.00} within 10 days of the sale. 
We have received a copy of the Certificate of Sale for auction on XXXX XXXX, XXXX. We complied with all the requirements and have still not received our {$2000.00}. 
In addition because of the delay and non compliance to the XXXX Bankruptcy Plan, we have lost rental income of {$7500.00} per year for XXXX, XXXX & XXXX. 
We welcome your help to resolve this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This complaint is about the temporary lifting of a Security Freeze at TransUnion. In XX/XX/XXXX I established a security freeze at all XXXX bureaus. They have never been lifted. I have been very physically XXXX for over 3 years and require XXXX care. I especially need help to deal with matters such as this. In XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX CO destroyed 100 % of my home and belongings. Now my husband and I are trying to start rebuilding and as such need to obtain a construction loan. Using XXXX and XXXX web sites my husband was easily able to temporarily lift using my PINs for a date range starting now their freezes. The same attempt at TransUnion failed with a " system error ''. My husband has spent over XXXX hours on the phone over 2 days with more than XXXX different TransUnion people trying to get this fixed. Agents he reached were in XXXX and told him they ca n't fix the problem. They repeatedly attempted to transfer him to a " Special Handling Supervisor in the USA '' and it only sends him to a dial tone. He has gone thru this at least 5 times today. Each time he has to start all over with each agent with a litany of authentication and problem description. Finally he reached XXXX ( she said she was a USA Special Handling Supervisor ). She too could not solve the problem but could send some kind of paper document ( she said she had to print it ) to a " Maintenance Dept '' and that they will take 7 to 10 business days to figure out what is wrong and " hopefully '' fix the problem. This is no assurance that the problem will even be fixed nor will they tell us so in a timely manner. In the mean time we are stuck. When congress allowed the credit bureaus to create the Security Freeze process it was in response in part to the bureau abuses. Taxpayers and congress were promised that this would solve problems and be processed timely. Well, we needed to temporarily lift the Security Freeze NOW and TransUnion and their broken system that allowed a problem to get into my FROZEN credit file in the first place CAN NOT in a timely fashion make this happen. TransUnion has made it impossible for taxpayers to reach them in effective ways and also people who can timely fix problems with their system. They advertise and have sold a bill of goods to everyone that managing Security Freezes and Thaws could be done instantly on the web. This is clearly not so with TransUnion. This is causing delays at a critical time while we are already overwhelmed with problems. I repeat, TransUnion 's system will not allow us to temporarily lift a Security Freeze even though I have my proper PIN. You regulators need to take a closer look at TransUnion and why all of this is happening. Consumers are helpless to fix this and TU thwarts consumer 's efforts at every step. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX has been calling the home of my mother, XXXX, for some time. My mother who is an older XXXX woman has told them that I no longer live there. XXXX XXXX separate occasions, XXXX was XXXX/XXXX/15 and another time, on XXXX/XXXX/15, they ( the company ) has proceeded to harass my mother and ask her who will pay this money to them. They have also told her in detail what my debt is. I asked my mother what she told them and she has said that I do n't live with her. She did not inquire about how much I owe but was told my personal information anyway. I believe this practice is very unprofessional, unethical and against the law. I am very disturbed by this situation, as my mother being XXXX and now diagnosed with XXXX does not need the stress of knowing my financial situation. I am requesting that XXXX XXXX system cease calling my mother 's home where I do not reside. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a dispute in 2013 against the collection agency known as XXXX, account number XXXX Phone number XXXX with XXXX sometime in 2013. Transunion failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I purchased a property with a mortgage from BofA at XXXX, Fl XXXX. 
BofA ordered an appraisal with XXXX ( a part of BOFA at the time. They chose XXXX XXXX a fly by night who did not do a valid appraisal. I Asked BofA to do a new appraisal as his appraisal had many errors and I was concerned. XXXX XXXX my loan officer said " it does not matter. All that matters is you get the house ''. I have repeated asked for a new appraisal or an appraisal review but they refuse as XXXX BofA person said '' we dont want to do it because it will come in so low '' .Now I am stuck with a butchered house remodeled without licensed persons or permits and have over {$71000.00} of code violations and must do repairs. I am angry that BOFA accepted the appraisal report after I complained. Apparently they think my opinion does not count.They have refused to do anything to take responsibility for what they did. I had an appraisor come inspect my home and he said XXXX XXXX did not do what is required by Floridas Statutes Scope of Work. I also talked with more than a XXXX appraisers in the area who said the appraiser should have checked public records to see if permits were pulled on such an extensive renovation. XXXX did not. I can not live in the home ( firetrap ). There is no electricity in half the house as is, wires are spliced and i have been unable to even turn on the elec water heater. " electricians told me not to. I have been told by lawyers that I can not rent or sell because I would be held responsible. Also about XXXX months after the closing BOFA sold my mortgage to XXXX XXXX. I contacted them and explained the problem and was very hopeful as they told me they could send the loan to BOFA or order them to pay me for the repairs. Then they changed their minds and. I think both banks want me to default so they get my deposit {$25000.00}, closing costs and all the payments I have made for almost XXXX years. 
SOUNDS FAMILAR! 

can you please help? 
sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have spoken to XXXX and reinstated my account with them and paid them current. They said if I did that the collection would be removed and it has not been. I need this corrected. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX @ XXXX, I made a {$460.00} cash payment at a local Bank of America drive-thru. Approximately 2 weeks later I got an overdue statement in the mail. I went into the bank, with receipt in tow. I was assured they 'd take care of it. After no results, I went into another location on XXXX XXXX, and was told that if I were to return to the original location, they should be able to correct the mistake on the same day. So, I did. I arrived @ XXXX and spoke to the Assistant Manager, XXXX XXXX XXXX who remembered I had been there and she said that she could not do anything. She had a personal banker call into customer service with all information, letting them know that she confirmed that it was due to a teller error and no fault to me. She told me that it would be cleared and all fees and negative reporting would be removed. Furthermore, XXXX, claimed that she would follow this herself to ensure that it is restored. Today is XXXX XXXX. I have been unable to use my card since before XXXX XXXX, and now, I have received a letter stating that proof of my claim is required. I am now left wondering if my payment was in fact stolen, as I am being treated with contempt. I have had this card with a very large credit limit, in good standing since 1997. I am afraid to make further payments and hope that someone will help me to straighten this matter up. 

Company response: Company chooses not to provide a public response
Consumer complaint: The information for consumers about contacting credit bureaus is almost worthless because the XXXX bureaus are primarily using this avenue to sell credit monitoring services. For example, Experian will only offer a consumer credit monitoring services or a credit freeze/unfreeze if a consumer seeking a 7 year fraud alert telephones Experian at XXXX XXXX XXXX XXXX per the CFPB 's webpage at XXXX. Plus, the online process to obtain annual free credit reports does not work although this is the mechanism the credit bureaus use for consumers who want a credit report after their credit card is hacked if the consumer has not exhausted the free annual credit reports ; either a consumer must submit a complicated written request for the credit reports or find a " back door '' at each of the XXXX credit bureaus ( e.g., a " trial '' subscription to Experian 's " Report and FICO Score '' service, which was accessible to me online for {$1.00} even through Experian required lots of paper documents from me to obtain my free annual report ). 

Incidentally, my Experian report number was XXXX after my report of credit fraud, and my Experian " Report and FICO Score '' membership number was XXXX. I have attached screen prints of my experience with the XXXX major credit bureaus to document that the online process and the CFPB 's information for consumers does not work well for consumers seeking a fraud alert after their credit cards are used fraudulently. ( My report of identity theft to the FTC has reference number XXXX. ) Please try to improve this system for other consumers. Fortunately, I am okay. 

Sincerely, XXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted my monthly mortgage payment to Primary Residential mortgage company via their PO Box address they provided. Payment was sent within the allowed time in XX/XX/XXXX to satisfy the XXXX 2015 mortgage payment. I contacted them on XXXX XXXX 2015 and asked if all was ok with my payment as they had not yet deposited it. They indicated they did not receive my payment and to send it again. I resent the payment with USPS XXXX and got XXXX confirmation. I called them and they acknowledged receipt of the check and indicated all was fine and not to worry. After a few more days, I realized the check still had not been deposited. They told me since the beginning it is not when they receive the check but when they actually deposit it that it then counts towards payment. This seemed ridiculous and a bit scary to me as what if they decide to deposit it after several days, even though they received it within the time frame ( before XX/XX/XXXX )? So, upon calling them again they said they could n't locate my check at the moment but would call me back as soon as they did. They offer no other payment options online, just by phone, but that comes with a hefty convenience fee. They finally located my check and I asked for a signed letter that I would not be reported to the credit bureaus as late and also not assessed a late payment penalty. They sent me a signed official company letter and an email about this assuring me this wouldnt happen. On XXXX XXXX they finally deposited the check after holding it all this time and receiving it XXXX XXXX. I was assessed a {$100.00} late fee as they indicated my payment was late and also reported me as being late to the credit agencies. I now can not obtain credit or make purchases with this. Ive contacted them by email several times and called and they keep promising me they will get back to me but never do. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: The website locked up before I could view my report. When I tried to return to the page, it said I 'd already gotten my yearly report when, in fact, I had n't had the chance to view it at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sent to collection for a debt I should have never paid. I was never told about this debt. I rented out an apartment and the conditions of the apartment became unlivable. The roof was caving in and had a huge hole in it with termites and unwanted critters coming in. The apartment failed to repair the issue after multiple and multiple attempts. The apartment complex agreed to let me leave a few months early without penalty. When I left, they said I did not owe anything else. I signed the papers and left my keys. in XX/XX/XXXX, I was trying to rent another apartment when they said there was a collection on my credit report and I would have to pay it before I moved in. I paid it in XX/XX/XXXX, even though it says I paid it in XX/XX/XXXX. I was told the adverse action would be removed from my credit report if I paid it in full. It was never taken off my credit report and now the company is saying I 'm lying about it. I am extremely upset this fraudulent charge can even happen without proper steps being taken. A company can just say that I owe them money and send me to collections without having to go to court and prove it. 

I have paid the apartment well over {$1000.00} a month the entire lease and was never told about a final fee or charge of {$160.00}. If I was told about it, I would have fought it at that time if it was fraudulent. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Continuous phone calls several times daily-now calling siblings at work. Payment is not over 30 days. Repeatedly asked not to call. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We had our mortgage thru XXXX XXXX XXXX and was paying {$1900.00} on XX/XX/XXXX our new statement went to {$1600.00}. In XX/XX/XXXX our mortgage was sold to Seneca Mortgage Servicing and payment remained the same {$1600.00} until XX/XX/XXXX we received a letter from Seneca Mortgage Servicing stating as of XX/XX/XXXX or payment was going to increase to {$2200.00}, unless we paid a shortage of {$4000.00} plus add PMI back on which would still have our payment go back up to {$1900.00}. We had no clue what was going on so we called Seneca Mortgage & they said there was a shortage on our escrow which they paid when they took over loan in XX/XX/XXXX, so we then called XXXX XXXX XXXX and they acted as if they had no clue as to why, then after several attempts to talk with someone concerning our loan they said there was a computer error back in XXXX that dropped our PMI and lowered our mortgage payment so for a year we paid what was in our statement each month from XXXX XXXX and also Seneca. In XX/XX/XXXX we paid Seneca the {$4000.00} plus took our mortgage payment from {$1600.00} to {$1900.00}. We was told by both mortgage companies there was nothing we could do nor was either willing to work with us on a problem on there behalf. Is there anything that can be done about this? 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a collection account was reported to credit bureaus but did not recieve dunning notice from collection agency 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: There is a derogatory mark on my report from Bank of American in my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 an employee of the Banco Popular de PR 's Consumer Credits Services Division called to my employer phone number requesting to talk with me related to the payment of a " just a few days late '' monthly payment of a personal loan. 

The name of the employee is XXXX XXXX and he identified himself to the receptionit as an employee of Banco Popular. 

The same date, I wrote the enclosed letter to the bank ( Banco Popular de PR - Consumer Credit Services Division, XXXX XXXX XXXX, XXXX XXXX PR ) notifying that that any debt collection call should be made to my cellular phone ( that already they have ) because my employer prohibit the origination and receiving of personal phone calls during duty hours and, they were calling me for a personal matter. 

A few days later, a supervisor of such division contacted me by phone to confirm that he had receipt my letter and provide appropriate apologies for XXXX XXXX 's actions. He also committed, in the name of the bank, to take my request in consideration on the future. 

However, today XXXX XXXX, 2015, XXXX XXXX XXXX XXXX, without first trying to contact me in my cell phone, called again to my employer 's phone number requesting to talk with me related to the payment of a " just a few days late '' monthly payment of the same personal loan. He directly identified himself as an employer of Banco Popular and use a phone number ( XXXX ) that many people in XXXX XXXX recognized as the Banco Popular 's Collections Office phone number. So, the receptionist again recognized this phone call as a debt collection call and for a second occasion, no matter my XXXX XXXX, 2015 request, the collecting bank disclosure to a third party, not related to the business relation between the bank and I, that I own money and are late in my payments. This actions definitively affect my image and reputation in front of my employer and other co-workers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I HAD MEDICAL INSURANCE AT THE TIME OF THE SAID DEBT COLLECTION CREATION DATE. I HAVE MADE MULTIPLE ATTEMPTS TO CONTACT THIS CREDITOR AND THE ONLY THING THEY HAVE SENT ME IS A LETTER SHOWING I HAD A MEDICAL EXAM. THIS IS NOT RIGHT 

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