AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have disputed many items on my credit report.. All XXXX agencies have made some changes but never took any thing off as requested. They have violated the fair credit reporting act. XXXX worked on this account for more than 8 months and they never had XXXX item removed. At a cost over {$800.00}. Some items are still not decided on after a year. THEY KEEP TELLING ME THEY ARE WAITING FOR THE COMPANY THAT THEY REPRESENT TO EVENTUALLY SEND THEM SOMETHING. Every time they receive a dispute, they lower my XXXX score. 

Company response: Company chooses not to provide a public response
Consumer complaint: FORSTER & GARBUS IS ATTEMPTING TO COLLECT A DEBT FROM ME ON A XXXX XXXX CREDIT CARD ACCOUNT THAT IS FROM SEVEN YEARS AGO. THE DEBT IS NO LONGER LISTED ON ALL THREE OF MY CREDIT CARD REPORTS.THE DEBT IS LISTED AS BEING FOR THE AMOUNT OF {$970.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: First, a Wells fargo rep gave me an incorrect amount to bring my account up to date. I was {$6.00} short, so they put my acct as delinquent. The second time, I called to verify a payment and I was told that it was processed. Then I get a call saying my account is 90 days past due. I pay late fee after late fee, but the bank does not want to take accountability for their mistakes. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had received a medical debt from XXXX XXXX, I put in a dispute against them because it was a workmans comp claim, I then was contacted by National Recovery Agency who was also claiming the same debt. I filed disputes with both company 's and XXXX XXXX had it removed, I have made several contacts with NRA and they continue to deny my request they are very rude and disrespectful even after I submitted the paper work to them. I want this debt removed based on that I XXXX her owe this debt or I 'll be filing a law suite ! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had received a medical debt from Remit corporation, I put in a dispute against them because it was a workmans comp claim, I then was contacted by XXXX XXXX XXXX who was also claiming the same debt. I filed disputes with both company 's and Remit Corp had it removed, I have made several contacts with XXXX and they continue to deny my request they are very rude and disrespectful even after I submitted the paper work to them. I want this debt removed based on that I XXXX her owe this debt or I 'll be filing a law suite ! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I received a letter in the mail from CitiBank stating that they never received a payment. Despite having and sending proof of the payment, two missing payment investigations have been started and closed, both stating the payment " could not be located ''. This will now put a flag on my credit reports that I recently just reviewed and fixed, as well as XXXX me out of {$100.00}. This is not the first issue I 've had with making payments to this bank via check that they somehow also lost 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I was charged XXXX at a XXXX Gas Station located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The following is a brief summary of the incident. 

While I was pumping gas, the station attendant, XXXX, came outside and told me that there was some kind of mix-up with the payment for my gas. Although I had already swiped my credit card at the pump, XXXX told me that another customer had mistakenly paid for {$50.00} at the pump that I was using. He then told me that I needed to pay inside. Believing his story, I went inside the store and approved a charge of {$50.00} to my credit card. As I was about to drive away, XXXX came back outside and said there was still some mix-up but he assured me that I would not be charged XXXX. 

When I later found out that I was charged XXXX, I disputed the charges with my bank ( Bank of America ). However, XXXX XXXX XXXX, a credit card processing service, denied my claim without even contacting the vendor, alleging that I had XXXX cars. That is not true. I later contacted Bank of America and asked to appeal the denial of my claim. I was informed that there is no appeal process and their decision is final. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a monthly statement from Macy 's in XXXX 2015 with a balance of {$610.00}. I paid the bill in full by check, which was cashed by XXXX on XXXX XXXX, 2015. My XXXX statement from Macy 's showed no payment received, so I called my bank and got a copy of the cancelled check. I have called Macy 's American Express Customer Service at least 6 times, emailed from the Macy 's website, faxed a letter and copy of the check to Macy 's Credit Reporting XXXX times, and written XXXX separate letters to Macy 's credit agencies in XXXX XXXX, IA and XXXX OH. I am still receiving calls from Macy 's that I am overdue on my account and would I pay my minimum payment over the phone. I have heard nothing else from Macy 's, Macy 's Credit Reporting, or Department Stores National Bank ( they service the Macy 's American Express Credit Card ). This is not the first problem I have had with Macy 's payments, and I still have a blemish on my credit report from a 30-day late payment from years ago .. tried to get that removed with no success. Every time I call XXXX of the Macy 's Customer Service numbers I get an offshore agent that can not help me, and I usually get disconnected from the call, and each call is usually XXXX hour to XXXX minutes at least. I am not sure what else I can do in this matter. I paid my bill in full, in advance of the due date, and the interest and fees are adding up when I check my account online. Additionally, I have notified Macy 's in writing and heard nothing back from them. What do I do now? By the way, I will NEVER shop at Macy 's again, and will cancel this card once I get this resolved. What a hideous experience! 

Company response: Company chooses not to provide a public response
Consumer complaint: To CFPB, I would like for you organization to start entire investigation on my case, the said complained XXXX XXXX XXXX. as Trustee for Merill Lynch first Franklin Financial Mortgage Corporation with the loan XXXX they have try to show legal standing close action again me, and or XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. The bank must show the original documents, mortgage and promissory note, the bank also have to show a proper shine of title recorded on the country where the property is located, is required by law, the bank must show assignments of mortgage and endorsements notaries with acknowledgments and the penalty of perjury. 

Company response: Company chooses not to provide a public response
Consumer complaint: FBCS INC HAS BEEN WITHDRAWING MONEY FROM MY CHECKING ACCOUNT IN THE AMOUNT OF XXXX DOLLARS PER MONTH. THIS DEBT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY. FBCS INC COLLECTION AGENCY HAS NO WRITTEN AUTHORIZATION FROM ME TO WITHDRAW ANY MONEY FROM MY CHECKING ACCOUNT FROM XXXX. SINCE FBCS INC HAS NO WRITTEN AUTHORIZATION FROM ME TO DO SO AND NEVER DID GET ANY FORM OF AUTHORIZATION THEY NEED TO CEASE ANY FURTHER COLLECTION FROM MY CHECKING ACCOUNT. THEY NEED TO UPDATE THEIR RECORDS TO SHOW DISCHARGED IN CHAPTER XXXX BANKRUPTCY AND PAY ME BACK FOR ANY MONEY THAT HAS BEEN WITHDRAWN FROM ME. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: BP BUSINESS SOLUTIONS MASTER CARD- You can only receive your bill electronicallythe bill arrive on the XXXX and must be paid by the XXXX ( only 13 days ) If you have a Mac & use Safari You ca n't pay online anymore - Their IT dept disabled this option for Mac users. XXXX XXXX sent my Bill Pay payment on the XXXX. BP could n't process payment or put my payment of XXXX on another persons account. They did n't process my payment until XX/XX/XXXX on XX/XX/XXXX they charged me XXXX for a late fee for the remaining balance of XXXX plus they are charging default int fees of XXXX & XXXX & on XX/XX/XXXX they charged me XXXX for a late fee for the same issue 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased appliances with my Home Depot credit card. The purchase was automatically placed on a 0 % interest promotion for 24 months. During that time, I made payments in excess of the minimum payment due. According to the Credit Card Act of 2009, section 104 subsection 164, " Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' I believed that the amount over the minimum due would be applied to the promotional balance. Since it had not been applied. I was charged {$1500.00} interest fees on a purchase of {$2200.00}. The interest charged is approximately XXXX % of the purchase amount. According to Home Depot, there is no way to opt-out of a 0 % interest promotion when you are making a purchase over {$290.00} during the promotional period. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit score and report will not come up 

Company response: Company chooses not to provide a public response
Consumer complaint: The information on my Experian credit report is out of date. Also, there are credit cards on my report that I have never ever had. I never had a XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage with ShellPoint Servicing and it has PMI. Now that the house prices have gone up, i requested them for PMI cancellation. They sent me a form to sign which also forced me to sign for appraisal at my cost. After all these, now, they say, the PMI can only be removed based on original Loan Amount, and not the current appraised value. My compaints, 1. They didnt tell me this earlier, 2. When they knew this, why did they ask me to sign for Appraisal, 3. they charged me for appraisal. 4. they dont give me the PMI requirements clearly in writing. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Dear Investigating officerFollowing up on my phone conversation with your agent, I am filling a complaint against Wells Fargo in regards to my car loan. The statement I receive from them does not include how my payment is being applied between the principal and the interest, and any fees if applicable. I have reached out to them to request a more detailed statement, and was advised that they can not send any different statement that the one I currently receive with the limited information. I believe that such operations are not only unethical but break the law, more precisely, the Act of 2009, signed into law by President XXXX Obama - Public Law XXXX -- the Accountability Responsibility and Disclosure Act of 2009. 
Thank you and kind regards, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have ( XXXX ) citi cards, XXXX visa and XXXX mastercard. This pertains to my citi visa card. Earlier in the year, I did a balance transfer in order to pay the balance without APR. Since then, I charged additional dollars on my citi vsa card during a certain 2 months. I always pay my cards on time and alot more than the minimum balance due. Since XXXX I have {$4700.00} toward this card. They have lowered my limit twice this due to " credit report review. '' They have not disclosed specifically about what caused the limit to decrease. Once I called and they told me due to another delinquent payment on another card. This is untrue because I have not had any delinquent payments to another card. I pay all cards on a regular scheduled basis. They said they sent me a notice but the email notice only includes the notification of the decrease limit. These actions are contributing to a lower score because it seems as if I am more maxed out than I would be if the limit stayed the same as it was in the beginning of the year. I asked the representative today where does it show that they are allowed to lower my limit. She said in my terms and conditions. I could not find the statement that shows this information. Then she mentioned it does disclose my APR could change. However, a change in APR is completely different than changing my credit limit. I wanted to to understand why they were doing this. Asked for a supervisor. Their response, " There is nothing we can do for you but have you reapply for a limit increase.It is too late to do anything from the credit decrease in XXXX. '' XXXX, I think I remember doing this already earlier in the year and still were not able to give me any more information. I am on a vigorous financial plan to payoff the credit cards, $ XXXX per month and have been for 7 months. I do n't charge more to the cards with the exception of one because there is no APR on it and they are business expenses. I do not live off the cards and have enough income and managing everything appropriately. They have failed to provide sufficient information as to why they are taking this action which adversely affects my credit score while I am trying to retain my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a car XX/XX/XXXX XXXX very over priced ), Not understanding my rights or anything about buying a car. I paid {$2500.00} down, then {$500.00} XXXX deferred remainder of down payment XXXX two weeks later ; then started making payments of {$570.00}. per month starting two weeks after the {$500.00}. A month after the first payment was made the car broke down, I called the dealership and explained to them I was n't going to be able to make the {$570.00}. payment and pay to fix the car. They told me not to worry about it, they would help me make arrangements, two days after speaking with them they reposed the car. And refused to speak with me anymore. Years passing I got informed VIA my credit report, I had judgment against me. They 're taking 25 % of my wages, I 'm a single mother XXXX, with very little funds to begin with. I feel like they really took advantage of me and has possible done it to others. 

Company response: Company chooses not to provide a public response
Consumer complaint: Saxon Mortgage is inaccurately reporting the mortgage that I had financed with them. 1 ) The account is still reporting open on my credit. The account was sold to XXXX in XX/XX/2009. This account should be reporting closed. ( The Date of First Delinquency has exceeded 7 years therefore it should be deleted from my credit file ) 2 ) The Date of First Delinquency is reporting inaccurately. Saxon is reporting XXXX XXXX as the Date of First Delinquency. Based on the payment history they are reporting, the date that led to my account being placed in collections was XXXX XXXX. 3 ) I have duplicate mortgages reporting on my credit which is affecting my credit score and has affected my credit score since it was sold in XX/XX/XXXX. 6 years I have received a negative impact on my score for Saxon inaccurate reporting. All issues are a violation of FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company has called friends of mine, referrals that I placed on prior application loans and told him he 's an attorney ( although he 's not ... when I spoke with the rep he said he 's with XXXX XXXX 's law office ). They 've discussed my debt with other people, they call other people ( friends and family of mine ) on their cell phones and scare them telling them they 're an attorney and that I must call them. They call me several times a day, they 're making false statements, bothering my friends and family. I have never gotten anything from them in writing. I asked them to stop calling me that I 've disputed this debt on my credit report and they said I have to send them something in writing. I 'm about to send them a certified letter in the mail.These people are thugs and no attorney in California who is still practicing should put his name along with these types of blatant tactics that are obviously against the law. They do this to helpless people and think they can get away with it by quoting this man 's name XXXX XXXX XXXX of XXXX XXXX XXXX. and he knows their tacts. I 've read hundreds of reviews from other people regarding him and his obvious and I ca n't believe they 're still in existence and that they can continue to treat people like this. I hope that this organization can do something about this. They threaten legal action saying they 're going to summon me and take me to court on a loan amount that I have no idea {$18000.00} when the original loan was {$5000.00} and half of it which I paid off to them. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I HAVE HAD NO SUCCESS 

Company response: Company chooses not to provide a public response
Consumer complaint: Attempting to reduce my monthly payment with BOA for XXXX. Have been denied for too much income, insufficient income, or product is not eligible. Will not allow my son to sign with me because he does not live with me. They approved be for a short sale or foreclosure. Not an avenue that I want to explore. I have never been late on my payment. 
They are now going me to see if I will be able to make the payment or should they start foreclosure. BOA rep indicated she will be going me monthly prior to my payment to check if I will be able to make my payment, harassment comes to mind. 
Lastly, they will not give supervisor 's number that will accept cell phone calls and will not provide office addresses. Both of these items are required by the legal community to join a class action suit or to begin an individual suit. 
Looking to you for guidance. 

Company response: Company chooses not to provide a public response
Consumer complaint: in XX/XX/XXXX, i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX tried again in XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no XXXX else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries 

Company response: Company chooses not to provide a public response
Consumer complaint: I was visiting the annualcreditreport.com site to get my FREE credit report ( s ) on XXXX/XXXX/15. I selected TransUnion and instead of going to my report I was sent to a " Credit Monitoring '' page for a sells pitch. 
I understand that credit monitoring my be of interest to the general public, however, I could not even get to my FREE report. I was NOT allowed to opt out of the sells pitch and retrieve my FREE report. 
This blunt sells tactic has resulted in poor customer service and smacks of a " bait and switch '' scam. I have absolutely NO interest in making a purchase from TransUnion. 
As I understand it, the federal government sanctioned this site for the general public to interface with the XXXX major credit repositories ; thus allowing access to our credit reports. This site ( XXXX ) is NOT intended to be a sells promotions tool for these companies. This type of behavior needs to be STOPPED! 

Company response: Company chooses not to provide a public response
Consumer complaint: Received more than XXXX overdraft fee in XXXX day for different transactions 

Company response: Company chooses not to provide a public response
Consumer complaint: We are XXXX and XXXX, A new company, Ditech has bought our mortgage from Greentree. Since then they took extra money held in our escrow acct. that should have stayed there to pay our Property Tax and or our Mortgage Insurance and sent us a check. We did n't realize that this would put us behind later on. Now they have raised our monthly payment. To make matters worse we have sent them More than enough extra money in the last 3 to 4 months to put in escrow to take care of the shortage and hopefully LOWER our monthly payments!! NEITHER HAS HAPPENED AND THEY DO N'T SHOW THE EXTRA MONEY WE PAID ANYWHERE ON OUR STATEMENTS!!! IT 'S AS IF THEY HAVE JUST POCKETED IT!!! NUMEROUS CALLS TO THEM HAVE HELPED!! 
WHAT CAN WE DO? WHO CAN HELP? DO WE NEED AN ATTORNEY OR CALL THE LAW IN AS IT SEEMS LIKE WE ARE BEING EXTORTED!!! 
PLEASE CAN YOU HELP US??? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX, contacted my relatives ( XXXX-party ) to contact me. They left a message with my relatives ( XXXX -party ) that if I do n't contact them I can go to jail. 

I believe they violated Fair Debt Credit Act ( FDCA ) which states the debt collectors or their representatives can not contact through XXXX-party ( Relatives ). Furthermore, threatening to take legal actions. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home phone number is XXXX. My name is XXXX. CCS, a debt collector, their phone number is XXXX keeps calling on a debt to a person by the name of XXXX all hours of the morning and evening. Most recent call to us were made at XXXX and XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX and XXXX XX/XX/XXXX. I have continually told them I am not this person and have no relationship to this person. They say I will not be called again and they continue to call, this has gone on for months. The last time they said that this number was removed from their system in 2013 and they have no record of the auto calls. My name is XXXX and I can not get them to stop harassing me for a debt that is not ours. These are the most recent calls from my caller ID, even though there have been substantially more. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX usbank did not pay all my insurance and I lost my 1 % deductible which I was grandfathered in in Louisiana. Cost me $ for their neglect. I then had to entered into loan modification. XXXX they required {$3200.00} by XX/XX/XXXX which I paid and my note would be @ {$500.00} a month with @ 2 % interest. Nothing till I filed a complaint w cfpb. Then within two weeks I was offered another loan modification XXXX, I paid my XXXX note and I tried to pay XXXX note which they refused because they sold my property. They recended the sale and said I did not comply and said I failed and wanted the rest the next day. I am in the XXXX trial and paying XXXX payment. I have found out that I no longer have escrow because of sale and my taxes were not paid and have not had insurance now again because of their errors I am again being threatened by them again enormous fees because of their errors. I do n't trust them. I have been threatened eviction when they sold my house. I have been cooperating and they continuously drop the ball. I have applied for loan modification for over five years and they have had me apply again an again and go through money XXXX times now. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paid off an account with XXXX XXXX listed in collections about two months ago, but it 's still listed as outstanding. 

Company response: Company chooses not to provide a public response