AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I applied for a Macy 's store card in XXXX 2015. The card was mailed to my home address and before the card reached me, it was stolen and someone made fraudulent purchases worth XXXX of dollars on my account. I have been following up with Macy 's for the last 8 months, provided them information on the case filed, the investigator 's name and contact and the name of the person responsible for the identity theft and yet Macy 's has not taken any corrective action. Every time I call the customer service, I spend XXXX XXXX on hold only to hear their standard reply that the case is pending investigation and will take 60-90 days to resolve. Despite all of this, Macy 's went ahead and reported the transactions to the Credit bureaus and my credit history is ruined. I want the fraudulent charges to be taken off my credit report URGENTLY as I 'm applying for a new apartment lease on XXXX XXXX 2015. The leasing company is going to run a credit check before they approve my application. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to work out a loan modification with US BANK since 2012, with relationship managers XXXX XXXX and now XXXX XXXX have talked to them once a month without success.Today, totally unannounced, I received a XXXX ( XXXX ) page lawsuit against me from a XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX, XXXXXXXXXXXX notifying me that I have 20 days after the service of this summons to make an appropriate written response in District Court, requiring compliance with Rule 10 ( a ) ( 1 ) and other Idaho Rules of Civil Procedure.I can not afford an expensive attorney to respond and in reading the complaint, it is really a legal fight between US BANK and XXXX XXXX XXXX and XXXX to decide who is in the first priority on my property which has been my home for the last 27 YEARS and who is the XXXX priority.I do n't care ; let them fight it out.Why am I involved? Why is XXXX, who handled my refinance and Deeds of Reconveyances not named? I have successfully worked out a modification with XXXX on my XXXX Deed of Trust and hoping to do the same with US BANK. 
Thank you for your assistance, XXXX XXXX XXXX XXXXXXXXXXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I discovered this just listed on my credit report within the past 30 days. I have received no notification, no mail, from Enhanced Recovery about this alleged debt. They simply out it on my credit report without notifying me of my legal rights. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My payment on my credit card was received by Bank of America 4 days after the due date, generating a late fee as well as interest. The interest charged to me was an overcharge. In the next month, another interest payment was assessed to me. This was incorrectly charged. Bank of America was unable to specify what that interest charge pertained to. With respect to that month, our bill was timely paid early and in full, plus a large overpayment. Our overpayment to Bank of America occurred because its bill was incorrect because it failed to credit our previous month 's payment, continuing to bill it as a charge still due. So we paid the previous month 's bill twice. Interest was then assessed, twice, on entirely wrong amounts, none of which were owed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On-line, I placed credit freeze at TRANSUNION on XXXX/XXXX/XXXX due to identity theft. Paid a {$10.00} fee using a credit card the police report would not be available for XXXX to 7 days after making the report. On phone, was told by a TRANSUNION representative to send the police report by FAX and request a refund of the {$10.00} fee. Faxed the police report and request for refund on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, a TRANSUNION representative stated that I would not get a refund because the police report was not submitted concurrent with the online transaction. The TRANSUNION website XXXX displays a table listing the XXXX provisions regarding credit freezes. Under XXXX victim, the entry is as follows : State Requirements Fee Information Add Lift Remove XXXX Identity Theft Victim Free** Free** Free** **In order to be eligible for free Security Freeze services, you may be required to provide proof of eligibility by mail. Click here for more information. 

The 'click here '' leads to the following information : " If you believe you qualify for a free Security Freeze due to identity theft you must supply our office with a copy of a Law Enforcement report alleging identity theft that has been filed with your local law enforcement department or the XXXX. 

If you believe you qualify for a free Security Freeze due to your age, please send us verification of your date of birth with your Security Freeze request. Acceptable forms of verification include XXXX of the following documents that show your date of birth : a birth certificate, driver 's license, state identification, or some other legal document indicating date of birth. 

If you are a resident XXXX and have documentation XXXX from the court, a law enforcement agency, a licensed medical or mental healthcare provider, or social worker, please provide our office with a copy of the document to receive your security freeze free of charge. '' Mail : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX I explained to a TRANSUNION representative that XXXX refunded a {$10.00} fee the day after receiving a faxed police report. My understanding of XXXX law in this regard is that a refund is required. A TRANSUNION representative stated that if I had made the freeze request by phone, the TRANSUNION representative would have suggested a no-fee credit fraud alert until such time as I had a police report. Therefore, my {$10.00} fee would not be refunded. 

I believe that TRANSUNION has engaged in deceptive practices in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I lost my job on XX/XX/XXXX, 2015 which was my last paycheck on XXXX XXXX, 2015. From XXXX/XXXX/2015 to XXXX/XXXX/2015 Bank of America continue to charge late fees even though it was clear no money was coming into the account. This has not been the XXXX time, that I have endured hardship because of Bank of America overdraft protection which I did not approve. The account should have just denied the transaction as no funds available. In addition, Bank of America allows debtors to resubmit and present transaction over and over again adding to the negative balance. Bank of American branches has take the position there is nothing they can do about reversing the excessive fees. I had to make a change to our account changing our Social Security check to a debit card because Bank of American systems knows money will be deposited and the behavior. Thus verifying that this is being done intentionally to build us excessive late fees. On XX/XX/XXXX, 2015, I will go to Bank of America to resolve this issue but I decided to file my compliant because they will be unwilling to remove the excessive late fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: At the Bank of America Branch located at XXXX XXXX XXXX, XXXX, MO XXXX where I have my personal checking account. One day XXXX XXXX XXXX a Loan Officer of Bank of America suggested that we should look into changing our Merchant Accounts to process our credit card transactions at our XXXX. XXXX XXXX XXXX introduced to XXXX XXXX XXXX Assistant Vice President of Bank of Amerca and he was excited to know that we have XXXX and XXXX have credit card transactions done by different companies, XXXX and XXXX. XXXX XXXX XXXX has promised to us that if we transfer the XXXX accounts to Bank of America, he would give us a very good deal ; in that they would pay us {$500.00} if we are not saving money using Bank of America Merchant Services for our XXXX. 

XXXX XXXX XXXX has promised us that : 1. Bank of America would insure that the credit card readers for XXXX were going to be in compliance, as of this writing of this letter, nothing has been done to the equipment to bring them up to compliance. 
2. Bank of America will pay {$500.00} if they can not save us money. As of today, we see no lower fees from Bank of America compared to XXXX and XXXX XXXX XXXX XXXX. 
3. XXXX XXXX XXXX has promised us that he would make sure that Bank of America pays our termination fees for both companies XXXX XXXX XXXX and XXXX XXXX XXXX to come over to Bank of America Merchant Services for XXXX accounts. XXXX charges us XXXX XXXX dollars ( {$300.00} ) termination fee and XXXX charges us XXXX dollars ( {$390.00} ) termination fee. As of this writing XXXX XXXX XXXX said that he has submitted request for Bank of America to pay us the termination fees XXXX times ( XXXX ) and as of this day writing this letter, we have not received any reimbursement for the termination fees from Bank of America. 

We would like to settle this by having Bank of America pay us XXXX XXXX and XXXX dollars ( {$690.00} ) for the reimbursement of the termination fees from the other XXXX XXXX XXXX XXXX XXXX and XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX, I received a letter from Citibank. It stated that a debit return of {$23.00} had been " no posted '' on XXXX XXXX, XXXX. I had closed all accounts in XXXX, XXXX. The letter asked me to contact the customer service center and provide them with instructions regarding the credit. I have called twice, requesting that a check be mailed to me. Both times I was told that this could not be done and that I would have to go into a branch office to make the request. One of the reasons I closed the account was because they closed the branch office closest to me and could not drive to other locations. I do not understand why a check ca n't be mailed. I also do not understand why the credit was not refunded to me back in XXXX, and why it took 5 months for me to be notified. I have been having a running dispute with the company that issued the refund because I never received it, only to find out that the bank has been holding it for over 5 months, for no reason. I hope that Citibank will issue an apology and explanation to the company that originally issued the refund. I am extremely upset that they have held on to this refund for so long and now refuse to mail it back to me. What is the problem??? Are they going to pay interest on the amount? I do not understand why the refund ca n't be mailed since they obviously still have all of my information. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There has been an item placed on my credit report that has been improperly re-aged. I disputed this item with the CRA and they did not obtain documented validation from agency reporting said debt. The item in question was originally reported in XXXX and is now being reported with a open date of XXXX/XXXX/XXXX. CRA should have obtained documentation ( signed contract, payment history, etc ) to validate this debt but relied on verbal verification only. Item in question was reported by a XXXX, XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX for an XXXX XXXX XXXX XXXX account from XXXX. This originally appeared on all XXXX my credit reports in XXXX and was removed in late XXXX making this a improperly re-aged account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a loan with Dyck O'neal Inc. that was created as part of a settlement after a short sale of my home in XXXX. I had this loan from XXXX until the autumn XXXX when I paid the loan off and closed the account. I was offered twice a year by Dyck O'neal a 15 to 20 % discount on the principal of the loan if I paid it off all at once instead of the installments. This past fall I had the money to pay off the remaining balance of about {$5000.00}. I took the offer of a 20 % discount and paid the loan off and closed the account. I learned today as I was checking my credit score in preparation for a new mortgage application that I was reported by Dyck O'neal to the credit agencies as having paid my loan off for less than the agreed upon amount. This is a negative report that has resulted in dropping my credit score over XXXX points from XXXX to XXXX. My XXXX score is XXXX, my XXXX score is XXXX and XXXX is XXXX. Dyck Oneal apparently does not report to XXXX. I called Dyck O'neal and they said they have no control over how they report to the credit agencies which I think is a lie. They also never once explained in any of the twice yearly teaser coupons offering a 15-20 % discount that it will be considered a negative on your credit. They never told me this in any conversation I had with them when I called to pay off the loan. They were all too happy to take my money. How can they say I paid the loan off for less than the agreed upon amount if they agreed to offer me a discount so I would pay it off sooner. I ca n't have paid a loan off without them agreeing to it correct? I feel this is extremely deceptive and also harmful to my financial condition because I will now have to pay a much higher interest rate on a loan. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I made an attempt to use my Macy 's American Express Card in XXXX and was informed the transaction was declined. Called Macy 's regarding this matter and was informed my account was closed in XXXX XXXX, my XXXX Credit Report dated XXXX/XXXX/XXXX clearly states my account was not in a closed status until XXXX XXXX, I still was not notified by a letter or on my statement. I had called customer service and ask why I had a XXXX limit, I was informed I still was able to use my card and disregard the XXXX available credit line. I also called XX/XX/XXXX to inquire about my credit rating on my account and received a letter stating they could not change the 60 days past due, again never informed me the account was closed. I had some financial difficulties XX/XX/XXXX and worked with Macy 's credit to keep my accounts going, I was able to get back on track in XXXX XXXX. Why was n't I notified my account was closed and why they led me to believe my account was in good standing when I made payment arrangements to keep my account in good standing. Why was n't I notified my account was closed when I inquired XX/XX/XXXX and received a letter in the mail that the 60 days past due was going to remain on my credit, why was n't it stated account closed on my Macy 's American Express statements, why no indications when I make an an online payment, why does the automated system says I have {$440.00} available, why no letter? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have attempted several times to get my credit report from transunion. I sent in proper id and still am unable to receive my report from them. This is affecting me in obtaining credit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX/Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Dear Sirs : I applied to XXXX/Synchrony Bank to purchase some furniture. It was 18 months interest free. The total amount was {$1900.00} dollars. I had made monthly payments on time and paid it down to {$1100.00} Dollars. I had XXXX and no longer could work the job that I had due to the XXXX I was in. Synchrony Bank started charging me an interest rate of 29.99 % and late fees. My balance is now {$2700.00}. I know of a person who has gone through the same thing and his balance is up to {$10000.00} dollars. I have tried to communicate with them to see if they would just let me pay back the original balance of {$1100.00} dollars and they will not hear of it. I feel there is no way I can not pay this back ever with the interest rate and late fees applied every month as high as it is. Please help me and other consumers. This so wrong to treat consumers this way. 
Sincerely, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I applied for a credit card with one of those hand written applications on a plane flight. 

I never heard anything from the carrier or the credit card servicer. I figured that for some reason the application was denied. After several months I found that my credit score had dropped. I obtained a report. Apparently the credit card company ( Barclays of DE ) had opened a credit card and account in my name without my knowledge. When I contacted Barclays on XXXX the agent verified that the address and email address on my account were both wrong. Apparently XXXX gives Barclays these hand written applications and the people transcribing them to digital application often transcribe incorrect information. He also mentioned that the company had tried to contact me by mail only and all letters were returned. In spite of this Barclays still opened a credit card account in my name, knowing they would be unable to contact me about this account. Three months earlier the company had charged an annual fee to the card. The account was now closed by the company but a past due balance was still remaining that had since had a negative impact on my credit score. My score dropped XXXX points in a month and now I am having difficulty applying for housing in the new city I moved to. What 's more I feel like opening these kinds of accounts knowing that they are unable to contact the account holder is a major financial security risk. If someone had gotten ahold of this card I would have no way of knowing obviously but additionally Barclays would have no way of contacting me about the fraud. 

When I contacted Barclays, all they could offer was a mailing address where I could send a paper letter. Apparently the account and situation would then be reviewed and it could take up to 30 days for the company to make a decision on whether they would contact the credit bureau. These are unfair, unsafe and predatory practices by a XXXX company on and American citizen. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Macy 's New York accessed my credit report / file without my permission. During a recent deposition ( within last 6 months ) where I have challenged Macy 's for adding my name as a joint owner to my wife 's Macy 's closed credit account for collection purposes, I was provided with a screen shot of both my credit details and my wife 's credit details accessed by Macy 's on XXXX XXXX, 2003. I did gave Macy 's permission to access my credit details nor did I apply for a credit card with my wife. My wife visited the Macy 's Department store at the XXXX XXXX XXXX in XXXX, XXXX and requested an individual credit card. I was not with my wife at the time was working in XXXX at the time. Statements initially were only in my wife 's name but at a much later date, unknown to either of us, Macy 's added me to the account. This action has had a negative impact on my job search and I have sought legal action through the courts. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am filing this complaint against Experian because they are reporting information on a XXXX account # XXXX. They are reporting this account incorrectly and inaccurate they refuse to re dispute the account saying the creditor says they are reporting correctly the account. Experian is reporting the account as a business account when the account is being alleged by target as a personal. The first date of delinquency on the account on the letter directly from XXXX XXXX/XXXX/2009 which means the account is reporting past the FCRA allowed time. I need this account removed from my credit file immediately. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a Citicard DriversEdge card on which I had accumulated hundreds of dollars in credits for a new car. While living XXXX, they blocked my access to online payment. I tried to pay but they quickly cancelled the account and that gave them the opportunity to cancel my credits also. Since then, they turned it over to a collection agency. I made a deal with the agency to settle the account and sent them a check, which they cashed. They then apparently sold the account to another agency, which is bothering me for this money, and they did n't report the account as closed to the credit agencies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I work in collections and all of my calls are recorded. I have asked the creditor, several times, on a recorded line, NOT to contact my job. They said ok and continued to contact me at work, after I requested that they did not. They have been to my house and have left letters. The debt owed is less than {$400.00}. They call me back to back. Sometimes 3x in less than an hour. And they call, after a voicemail has already been left. These are all violations of the FDCPA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX US Bank {$200.00} gift card bought XXXX/XXXX/16 and opened to use on XXXX/XXXX/16 but both cards had been fraudulently used prior on same day, XXXX/XXXX/16 at XXXX 's in store and Pajama-gram. Card numbers stolen and applied to new fraudulent cards and total amt drained off cards. I am now out {$400.00} 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There is a judgment against me from Citi Bank. This credit card did not belong to me. I never filled out an application for this card. I never had a credit card from this company with my name on it. I have contacted the collection agency for this account over 30 days ago and the collection agency states they still do not have a no response from Citi Bank. I contacted Citi Bank and they would give me absolutely no information and kept telling me to contact the collection agency again. Citi bank also told me over a week ago someone from their legal team would contact me. No one from Their legal department has contacted me. When I was married my ex husband had a Citi Bank card but I was never even an authorized user. I am not sure how his debt got put in my name. This judgement was placed on me without any notification. I was never served any court documents. This account dosent show on my credit report at all as being delinquent. Just out of no where a judgement was placed against me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: this account was previously removed and deleted from my trans-union credit report, only to be re-added recently, this is a violation of FTC rules XXXX XXXX XXXX XXXX, OH XXXX Account Name XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$800.00} Limit $ XXXX Monthly Payment {$0.00} Last Payment Status Unknown Term 0 months Loan Type Charge account Opened XXXX/XXXX/XXXX Reported XXXX/XXXX/XXXX Remarks Chapter XXXX bankruptcy 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response