AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Penn Credit Corporation at phone number XXXX has called me 44 times from the period XXXX/XXXX/XXXX thru today 's date of XXXX/XXXX/XXXX. I only started tracking the calls on XXXX XXXX when I realized there was a problem. When I answer the calls, a machine states " if you are this person, press 1 ; if you are not this person, press 2 ''. Nothing else. They do n't even mention the name of the person. I have not pressed either 1 or 2 as I am afraid it may be a spammer. I have researched this company and it is apparent there are many consumers and individuals also dealing with this company and harassing, repeated calls. I have no known outstanding debt, a great credit score, and have received no notices via mail or overnight delivery regarding outstanding bills from Penn Credit or any other company for that matter. On some days, I receive calls from Penn Credit Corp. two or three times. No messages are left. I am being harassed by this company and I want it to stop. Immediately. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a XXXX yr old woman on social security. In 2013 I applied to credit acceptqnce for a car acceptance for a {$10000.00} dollar car loan. I swear I agreed to an 8percent finance fee ; they now claim I owe on an 18 percent loan! They call my phone every 1/2 hour from XXXX till XXXX every day I feel they are a " preditary lending group ''. And they 're preying on seniors & the poor. Are there any other complaints about this company/ And how can I find out about joining in on them? And how can I get this harassment to stop? It is starting to affect my health ( nerves ). I hate to hear my phone ringing Please advise me & warn others of this credit acceptance company I haver already paid what the car cost & am being harassed for the amount they say is finance charges. Thanks for any advice offered. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to pay my Macy 's credit card account 6 days ago and was unable to get in to the system, it keeps reverting back to Macy's.com after it says it is leaving to go to XXXX. I tried to get assistance and there is no one that speaks XXXX to speak to then I spoke to XXXX different people in XXXX minutes and it took XXXX phone calls. 
My account is now late, they say that you have to get a new credit card with a new number and then you can use the system. NO WHERE has anything been sent stating this was going to happen and now I have a late fee and they are ONLY concerned with trying to get a payment prior to them even trying to HELP. I am disgusted, I think I have had these cards for 15 years at least and now they say the new & improved system is great however it SUCKS and you can not even get into it. 
I understand things are changing but since when does XXXX the customer over help? What happened to sending out a new credit card and explaining WHY you need to have a different number instead of XXXX the customer, the tech support ca n't even answer if this is going to show up as an additional number to the previous one on your credit report, yet again if it does it can effect your credit report and there again screw the customer ... 
Macy 's is the ONLY company that I have a credit card with that you can NOT pay online for the date due, you have to pay online on the day you are online doing it ( something new with them in the last year ) ... XXXX is wrong with this company? 

Company response: Company chooses not to provide a public response
Consumer complaint: This is about the Macy 's AMEX card owned by Citi Retail Services. 1. You get no chance to pay your bill before they charge you {$2.00}, just because. 2. I called and complained and Macy 's gave me the {$2.00} back. I then had a {$4.00} credit. I purchased something about two months later on a Saturday and paid the bill ( minus the {$4.00} - through my bank online when I got home - $ got to Citi on Tuesday or Wed. I get an email notice from my bank showing a balance due that was {$2.00} higher than what I sent. I just received the paper bill and it shows that I only have a {$2.00} credit. What happened to the other {$2.00}. There is nothing on the bill showing they charged {$2.00} for anything. Yes I can call and complain and Macy 's will credit the account but that 's not the problem. Someone needs to stop this death by fee that AMEX/Citiretail is doing. You do n't have a chance to pay the bill before they hit you with a fee. If you do n't realize it, which is easy with ebills, they charge a fee on the outstanding fee on the next bill. It also does n't help that you ca n't access your account information at the Citiretail website that Macy 's directs you to. It just clocks out. 

Company response: Company chooses not to provide a public response
Consumer complaint: I shopped often at MACYS but I never applied for a credit card with them. After I checked my credit about 5 months ago, an account from Macys on my credit report, which showed a balance of {$180.00} dollars, that was charge-off. I immediately contacted the number that was on my credit report from Macys and tried to speak to someone in the fraud department. Unfortunately they kept me on hold so long, I had to hang up. I then contacted XXXX and spoke to a credit analyst and they were kind enough to tell me what to do. I contacted XXXX XXXX police dept. and filed a police report. ( no.XXXX ) it was approved by officer XXXX with badge # XXXX and then field an identity theft report with FTC .Ref (. # XXXX ). Then I sent a copy of the police report, with the FTC report, to all three major credit bureaus via certified mail and informed them to block my credit file. I also contacted MACYS and send them a copy of police report along with FTC report and inform them there is An account from MACYS is appearing on my credit report and I am not aware of having any account with their company. I request that they investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature and any other documentation verifying the account is, in fact, mine. If they can not or will not provide me this information, then I formally request they send me a letter stating that this account does not belong to me and that it will be removed from my credit reports.Until this matter is cleared up, I firmly request that they stop reporting this account altogether. this is what happened I received a letter from macys fraud department stated they had reviewed my claim for unauthorized activity and they regret to inform me my claim can not be accepted base on account history. I got so frustrated with the letter that I just received, I immediately contacted the fraud investigation dept. at XXXX and I requested to speak with a supervisor for a copy of the original application for my review. To date, I have not received any of the requested documents. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have contacted this debt collecter, as well as the credit bureau, multiple times to file complaints. No proper action has been taken and this has been going on for at least a year. NCC Business Services was given an account with my name on it that I do not owe them. The original creditor, XXXX XXXX " XXXX at XXXX XXXX '', has put a public record on my XXXX credit report that has a satisfied amount of XXXX. However, NCC Business Services at the same time has put a collection account regarding the same specific matter with the amount of XXXX, double the original amount, on my Equifax credit report also. I have contacted NCC Business Services multiple times, explaining to them that they are double reporting this matter and falsely representing the character, amount, and legal status of the debt. But no one will listen and remove this debt collection account. Therefore, it has been ruining my credit for the past yr and a half. I have been advised this is illegal what they are doing and I would like it to be corrected as soon as possible. I have physical proof that this matter is being reported twice on the same credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have asked my car lender to work with me so I would not fall behind on my payments or lose my car during this time while I am on unemployment but they are refusing to provide any type of assistance regardless of my consistent payment history. 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my FHA mortgage into a conventional mortgage in 2015 and the closing was delayed from late XXXX to the first few days of XXXX. My FHA mortgage company Wells Fargo charged me a full non-prorated month of interest for XXXX although the payoff reached them by the XXXX of XXXX. My new mortgage company XXXX Bank did not inform me of this either. I wound up paying a full month of interest over {$1000.00} to XXXX different mortgage companies for the same month. This is absolutely not fair. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother, my sister, and I have received multiple calls on each of our mobile phones over the last few weeks from someone at " Roquemore & Roquemore ''. A female voice then leaves a message saying I need to call them back about an urgent issue related to a file they have on my father. The voicemail they leave indicates that they believe they are leaving a voicemail for my mother ( although my sister and I receive these calls too, and are addressed in the voicemail by our mother 's name ). They use both my mother 's and father 's full names. When I spoke to my parents about this, they had no idea why we would be receiving these messages. When I looked up Roquemore and Roquemore online, they seem to be debt collectors, however, I verified with my parents that they have no outstanding debt. These calls are therefore annoying, harassing, and unjustified. Additionally, I have received calls outside of the XXXX time frame. If they are actually trying to reach my father, I do not understand how they obtained his name, yet found the contact information for XXXX of his relatives ( me, my sister, and my mother ). It feels like some form of a privacy violation. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I closed out the account back in XXXX 2015 and have since then requested to receive paper statements until account is fully paid in full. Every time I contact the company to inquire about statements or make a payment I am assured that a request is being placed and I should receive within a few weeks. I have been making payments as required by the due date but still have not received any statements and do not know what I am being charged. I am still being charged a maintenance fee and I do n't know why when I am not utilizing the card. Of course, I am also being charged for finance charges. This company is preying on individuals claiming to assist in helping build credit when it makes it worse on those individuals who are struggling.When I call and the about the statements, I am told that I signed up for e-statements and that is causing me to not be able to receive paper statements. I believe someone in IT or with the proper authority should be able to override the system. 

I would not recommend this company to anyone. 

Company response: Company chooses not to provide a public response
Consumer complaint: I set up payment arrangements in the amount of {$50.00} a month. Basically the account rep did n't want to agree to that amount because in the last two months he has been authorizing payments to take everything in my account and when I spoke with him he told me since I owe the bank for the credit card they can take any amount from my account with no explanation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In 2012 I took out a payday loan of around {$1000.00} from the " Cash Store '' in XXXX, Illinois while working in a part-time sales position. A couple weeks after taking out the loan, I lost my job. I secured the loan with a personal check which was processed repeatedly to the point I had to close my account because I did n't have the money. After a couple of years, I began receiving repeated phone calls from a collection agency that would n't identify themselves threatening that a summons was going to be served on me for the debt and that if I did n't pay, I and my family members would be arrested for check fraud. I was cussed at repeatedly and called at all times of the day and even at night and the company refused to provide anything in writing. After a while and blocking multiple XXXX numbers on my phone, the calls stopped. Now, another couple years later, the calls have started again from multiple companies in regards to this loan. My XXXX year old grandparents are receiving repeated phone calls and vague voicemails telling them that I have violated US Code Title 15 and that the case will be forwarded on for legal action and that I am required to respond within 24 hours. I have never received anything in writing from any of these companies, but they are calling me at work and if I do n't answer, they keep calling. I 'm beginning to get scared as to what else they are going to try and that I ca n't stop them from doing so. The previous agency from two years ago threatened to have my mother arrested. Also, the most recent phone call I received, I had to ask if the phone call was being recorded and the guy on the phone would n't tell me and just kept yelling at me if I have a habit of not paying on loans that I take out. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In the year 2009 my business income volume decreased almost 75 % I was diagnosed with a XXXX due to all the financial difficulties, at the same time my husband fell ill and had to go under XXXX XXXX and we had to live on credit cards to be able to make ends meet. My credit got overextended and we where not able to afford the terms on the credit cards and also it caused to default on the mortgage monthly payment. We requested a short sale and placed our property on the market for almost 6 months and have shown the property numerous times with no luck. Because my income has dropped considerably I can no longer afford the terms of the original loan and as a loyal customer I 'd like to ask for an affordable loan modification to real market value and a lower interest rate. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: in 2005 i bough a ford focus but i return the vehicle because it was defective the car could not start the tow truck came and pick it up i did not get it back 6 years later i was contacted a debit collector Rubin & Rothman they call me several time on the phone and send letter in the mail i keep telling them i do't have a contract and i do n't owe any money i have a XXXX balance i have contact ford XXXX and the account is close but Rubin & Rothman keep calling and sending letter in mail they take away both of my account saving and checking value {$6000.00} that 's more than the car cost 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Santander Bank has not issued a refund check for the Sovereign Identity Protector. I was sent a letter telling me I didnt cash the check sent to me XXXX/XXXX/XXXX. I responded to the letter to for a new check on XXXX XXXX, XXXX. I have been in contact with their customer service the past three weeks and have had a lack of customer service and only told that there was a delay with the checks. the week ending of XXXX XXXX XXXX I spoke with a supervisor gave me a reference number. Then I spoke with a XXXX XXXX at XXXX on XXXX XXXX XXXX about the matter, he was supposed to try getting me a date that I would receive the check, but have not heard back from him and when I tried calling his phone it goes to his voice mail. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America is reporting a charge off for a credit card I have never had 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Re : Foreign Transaction fees charged by Bank of America While making travel arrangements I recently had occasion to make purchases that apparently were processed in XXXX even though the companies involved do business in the United States. XXXX was the tour company XXXX and the other was XXXX. I was disgusted to see how much I had to pay in foreign transaction fees : a total of {$87.00}. This is not to mention other fees I have paid in the past for clothing ordered from a company in XX/XX/XXXX that does business in the US. 
I consider these totally unjustified charges. B of A is already making a profit from the fees charged the companies using their services. How can they justify charging the customers as well especially since these companies do business in the US and I paid in dollars? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, BSI Financial obtained my loan from XXXX. I 've been trying to get a detailed explanation of the charges of Principal, Interest, Charges, Fees and Penalties in a month-by-month breakdown since XX/XX/XXXX. All I receive are " Payment Histories '' and " Reinstatement Quotes ''. 

I feel my account has been shuffled from XXXX XXXX XXXX XXXX XXXX to BSI because none want to come to a reasonable agreement with me, and continue to add more and more charges and fees to my account. 

Please see the attached letter : Exhibits will follow by USPS. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a three-part issue, consisting of XXXX different entities. XXXX LA, XXXX XXXX XXXX and Transunion are reporting long-standing debts that are not mine and constantly renewing the debt so it will not elapse. The totals are for : XXXX LOUISIANA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, XXXX Creditor Name XXXX LA Account XXXX XXXX XXXX Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Total {$130.00}. 
Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Type Utility Company Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Total {$120.00} I have provided evidence to them that 1 ) the information they have is incorrect 2 ) that I have not ever lived in XXXX XXXX or XXXX 3 ) Have provided multiple copies of police reports, sworn affidavits from my employer where I was located ( in XXXX ) and they have refused to remove this information. I was the victim of Identity theft and provided multiple legal standards and to this day, they refuse to remove or work with me. This is direct violation of the FCRA and I want it removed. They additionally refuse to provide proof of any kind that I solicited service. Look at the dates, I cant not be at 2 places at once, canceling service days BEFORE I get service. 

Transunion refuses to vet the information and takes the creditor side of issues and WILL NOT accept any information regarding this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX I was visiting XXXX and I made a purchase at XXXX XXXX in XXXX XXXX. I purchased : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX each, total XXXX XXXX. 
XXXX XXXX at XXXX XXXX, total XXXX XXXX. 
XXXX XXXX in small XXXX case at XXXX XXXX, total XXXX XXXX 
Total Purchase amount was XXXX XXXX. 
On XXXX I saw a charge to my credit card for {$720.00} XXXX = XXXX XXXX. It was obvious to me there was a mistake on the decimal point when my card was charged. I contacted my credit card to dispute the charge and I explained to them I only had a credit card receipt but no itemized receipt from the store. They said they will look into it. On XXXX I received a letter from the bank saying the billing was correct. I called the bank and asked how did they come to this conclusion and they said they merchant supplied with a signed credit card receipt and that that was enough to for them. I asked if they requested any sort of documentation from the merchant and I was told it was up to me to provide any documentation to prove the vendor wrong, -as I mentioned before, I could not find an itemized receipt for this transaction. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was informed today by my credit card co., Barclaycard, that there may have been a breach of my info, and that I was being issued a new card as a result. I telephoned 3 different offices of that bank to determine where the breach occurred. No one was able to answer that question. 

Company response: Company chooses not to provide a public response
Consumer complaint: meridian financial is trying to collect a debt for maintenance fees they are saying are from XXXX XXXX XXXX club which was discharged in chapter XXXX no asset bankruptcy XXXX/XXXX/13. Because thus was a no asset Chapter XXXX, I was released of all debts and obligations under the " XXXX XXXX '' ruling by the supreme court. they are saying they are for maintenance fees after the backruptcy however I was relieved of the obligation of the membership with the discharge of chapter XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX, My grandmother and conservator, allegedly gave Wells Fargo Bank a reverse mortgage on a property that was held in an irrevocable custodial trust, ( by order of a XXXX Judge XXXX for my behalf. When she passed in XXXX XXXX, I discovered that Wells Fargo had indeed placed a mortgage lien on the property. I contacted them XXXX XXXX to inform them that the property had been previously placed in a irrevocable protective trust and that my grandmother did not have the authority to remove the custodial property from the protective trust without the Judge 's order, nor had I signed away my interest ( indefeasibly vested ) in the property. In XXXX XXXX Wells Fargo through their attorney agreed to pursue a title insurance claim in lieu of foreclosure on the custodial property. In XXXX XXXX, Wells Fargo sent me notice of foreclosure by sheriff sale. In XXXX XXXX I filed a complaint with CFPB. Wells Fargo responded that they had no notice of the irrevocable protective trust on the custodial property. XXXX XXXX, I recorded the irrevocable protective trust on the custodial property and the deed transferring the property to the trust, and mailed a copy to Wells Fargo and all interested parties. I requested that they release their lien against the custodial property, since my grandmother did not possess title nor authority to transfer the custodial property to Wells Fargo. In XXXX XXXX, Wells Fargo set the property for Sheriff Sale without giving new notice. In simple, Wells Fargo is a attempting to foreclose on a property based on a mortgage that is invalid and fraudulent. They are well aware, yet they proceed with the foreclosure because they believe they can get away with it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was in middle of buying a home and the title company found a judgement against me that was n't on my credit. 

Company response: Company chooses not to provide a public response