AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XXXX 2015, I received a bill in the mail from Macy 's for XXXX charges that I did not make on XXXX/XXXX/15. Immediately upon receiving the bill, I contacted Macy 's and informed them. They stated that they need to conduct a fraud case and that they will send a letter to me in the mail to document in writing what I told them. I repeatedly called Macy 's every week, as I did not receive this letter in the mail until XXXX. While waiting for this letter to arrive, I received XXXX calls on a daily basis from another agency ( not Macy 's ) asking for me to pay this Macy 's debt, upon which I would tell them that the bill was fraudulent and currently being investigated. Other times upon answering these phone calls, the person on the other end would hang up the phone. I felt harassed and not respected every time I received these calls. I asked Macy 's to stop trying to collect on this bill that I did n't make. They continue to send me statements in the mail and to not process this letter that I returned the very next day upon receipt 3 months after notifying them about the fraud. I have never heard of this process taking this long for wrongful charges and have been extremely stressed about their process. I always pay my bills on time and tried to take immediate action, but they have an ineffective process and is one of the most stressful things I have encountered. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have been receiving numerous calls from XXXX XXXX XXXX XXXX XXXX, Maine. When I pick up the receiver no one answers and there is no recording, just silence. This goes on day after day. Finally yesterday, XXXX/XXXX/2015 after receiving another call I called the number back. Woman who answered said she was from a Collection Agency, did not give a name of the organization and that she was looking for a woman, XXXX ( XXXX name ) which I can not remember. I informed her that my wife and I live here and there is no XXXX living here. Calls from this number are nearly everyday, often twice a day. The least they can do is answer the phone when they call my home. I hope you can rectify this nuisance for me. I have no debts other than monthly bills and have never dealt with a debt collector. 
Thank you. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: complaint about my Macy 's store start rewards card : There is no way I can connect with a person to talk about my dispute on late fee. the statement lists a phone number for customer service but it kept taking me back to start menu, after the message : all our customer service rep are helping other customers ... .. ''. I called again with a toll free number and it does not give a customer service option. I went to their website and a chat screen popped up thinking I can not figure out how to purchase. The person on chat said you have to wait till next billing cycle to talk to someone. I can not tell who this " someone '' is. when I asked send me the link to chat option so I can call to discuss my billing issue for late payment by one day, she said : " there is none ''. so I asked how do I find you again as you seemed to be the only one I can talk to and she said just click away and a window will appear but no option to find me. It sounds like scam to not allow customers to call to a person so they end up having late fees and finance charge. major credit cards are good to loyal customers and I am Macy 's customers for 10 years and can not talk to a real person. what is going on and what are my rights? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX in XXXX XXXX was charged several times in 2009 even after I advised them I was going to be closing the bank acct. I had made several payments and no matter what, the finance charges kept increasing and would turn out that I paid a total of {$1200.00} on a {$400.00} loan before closing the acct. I had to pay several fees and over draft fees and had to close the bank acct due to The Cash Store. Years went by with no contact then randomly a collections office out of XXXX contacted me threating to sue me and when I got smart back with the young man ( knowing my rights ) he admitted over my recorded work line that this debt wont be reported and I wont be subpoenaed to court. In 6 years this was the first contact I 've had with the Cash Store since speaking with the local branch manager. I learned my lesson but feel that The Cash Store should absolve the debt now. The current balance the collections office called asking for was {$2100.00}. 5x more then the borrowed amount. This is just insane 

Company response: Company chooses not to provide a public response
Consumer complaint: Focus Receivables Management calls every day and often more than once. I have asked them several times to please send me proof of the original debt, they deny this being available and continue to call. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX Bank XXXX XXXX XXXX offered me a XXXX credit card after financing a vehicle on XXXX of XXXX. I was told by XXXX Bank XXXX XXXX XXXX customer service that since I had been approved for the loan a hard inquiry would not be run on my credit when applying for the XXXX credit card. A hard inquiry was placed on my credit on XXXX XXXX XXXX. I have contacted XXXX Bank XXXX XXXX XXXX multiple times about the removal of the hard inquiry. I was promised it would be removed. Today I was finally told it would not be removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was told by Medical Business Bureau that once I paid this account in full and not a settlement it would be deleted from my credit report. Instead of deleting it, they still listed it on my credit report as paid. My maiden name was XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sometime in XXXX 2015 I disputed a negative item on my credit report ( trans union ) pertaining a lien filed against me, before this dispute i contacted the federal XXXX Lien Office and XXXX XXXX Clerk as well. The XXXX XXXX Lien Office provided me with a XXXX XXXX Lien Withdraw letter with docket # ending with XXXX and also serial # ending XXXX. On trans union their docket ending with XXXX Registry XXXX and for New York XXXX XXXX Docket # ending with XXXX is the wrong information concerning docket 's of XXXX XXXX clerk 's office of the NY XXXX XXXX Lien and as well as XXXX XXXX Lien. Please have these information removed from my credit report as missed information by law and policy. 
Thank You. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am disputing information recently sent to me by Experian on report frompreviously disputing inaccuracies on my credit report. This information detail personal information such as name, co-spouse, and telephone numbers. The accuracy of this information is important to the respect of XXXX parties. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never received a bill from the original company this is due from. I do not know where these bills are coming from and why I owe them. I have also never received a bill from BC Services. The only reason I know that I " owe '' is because it shows up on my credit report. I have contacted them to send me something so I know what it is and why I owe. I have only been told how much I owe over the phone and that it is a medical debt. BC Services has failed to assist me in the debt and just want to collect the debt that I am not even aware of owing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a personal loan through LendingPoint LLC. I was notified via email and phone by their employees that I was approved for the loan and I was instructed to send in a paystub, bank statement, voided check for direct deposit, and a copy of my ID. After I submitted these items I received an automated email shortly after stating that they would not be able to grant me the loan that they stated that I was already approved for. 

I called the employee whom I was working with directly and they gave what may be a valid point about some negative items in my bank statement. But I was told that I was approved for the loan, not that I had to submit further paperwork to be approved. 

This to me is deceptive and misleading, and I was caught by surprise. I had already begun to make plans to use the funds that I was told that I was approved for, only to be told by them that they would n't grant me the loan. Maybe they tell customers that they are approved, when really they are n't yet, so that the customer will stop shopping for loans and go through them for the loan. Either was I feel like I was mislead, and I gave this company all of my personal information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Found an unresolved account on credit report. Called Southern Oregon Credit Services to resolve account in full. Receptionist asked for billing address and transferd call, collection representative began call with no information confirmation. I requested rep verify my personal info to make sure correct account info was being taken. Rep was short and unprofessional, asking me if " I was always this rude on the phone ''. I paid the debt in full, and requested receipt. I requested and email receipt and an email, both options the rep offered. Rep became upset stating I could have one receipt or the other, not both. The representative continued to speak in a demeaning and rude manner. I requested to speak to a supervisor. A supervisor came on the line and again, I was disregarded and treated rude. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On Tuesday XXXX XXXX I spoke with a representative of B of A because I had a loan modification application in process, or so I believed but on Monday XXXX XXXX, 2016 we received a certified letter, ( which my daughter had signed for the previous week because we we were out of country and returned XXXX/XXXX/16 ), stating letter of intent to accelerate loan. The representative informed me that our loan modification had been denied in XX/XX/XXXX, XX/XX/XXXX, and that this letter is sent to bring loan current or foreclosure proceedings would be filed. I explained to the B of A representative that i had spoken to account manager in XX/XX/XXXX regarding loan modification and was told the status was still being reviewed/ no decision! B of A representative could not explain why we were told it was still in process when it had been denied. Per the B of A representative one of the reasons we were denied for loan modification is that loan was not delinquent, but the fact is it was, which letter of Intent certainly confirms. There was one other reason which had to do with our income being too high ... and that was just shocking because my husband and I can both testify to the fact that we live month to month on our income, very, very, VERY modestly. The B of A representative recommended I contact XXXX XXXX ( not sure of spelling ) XXXX. XXXX is the supervisor of the Account Manager 's. I had complained that none of the Account Manager 's I had spoken to, assigned to our loan modification, could answer any of my questions regarding income, declination, etc. So on the advise of B of A representative I left an urgent voice mail for XXXX on XXXX/XXXX/16 and p another 2 urgent voice mail messages on XXXX/XXXX/16. I never received a return call, not to either of our contact phone numbers. My voice mail messages were very specific, matter was urgent, regarding loan modification declination, reasons for decline, and needed explanation. I gave all our loan information, number, etc. 
There was no message on XXXX 's voice mail saying he was out of office, that he would not be returning calls, etc. I think that it is outrageous that someone in his position would ignore urgent calls for 2 days. In fact I think that should be illegal in banking. 
I feel that the only way I get some one to return my calls is to file formal complaints ... and that is a very bad reflection on B of A and staff. 

All of this can be verified by phone calls since every phone call that I have made has been recorded per a representative and then there are the voice mail messages left on XXXX 's extension. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a debt collection notice on XXXX/XXXX/15 from XXXX XXXX XXXX XXXX XXXX for {$670.00}. I immediately contacted XXXX XXXX XXXX on XXXX/XXXX/15 by phone and requested an investigation into this debt because i had not had any services at XXXX XXXX XXXX. I also submitted a response to XXXX XXXX XXXX disputing the debt in writing with returned receipt on XXXX/XXXX/15. I received a response from XXXX XXXX XXXX on XXXX/XXXX/15 that stated " XXXX XXXX XXXX has determined that your dispute request is valid and has provided the credit reporting agencies with the corrected information. '' I also received a updated statement from XXXX XXXX XXXX on XXXX/XXXX/15 that I had a zero balance due.This collection account was removed from all credit reporting files. On XXXX/XXXX/15, I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX for {$670.00} with the same acct # from XXXX XXXX XXXX. I submitted a response to XXXX XXXX XXXX on XXXX/XXXX/15 with returned receipt requesting another dispute investigation and that this debt did not belong to me. On XXXX/XXXX/15, I contacted XXXX and Transunion to disputed the collection acct. On XXXX/XXXX/15, I received the investigation results from XXXX stating the collection acct was removed. However, on XXXX/XXXX/15 I received the results from Transunion stating that the acct was " verfied, no change ''. On XXXX/XXXX/15, I submitted a letter to Transunion with all of my evidence of this collection acct requesting that the acct be deleted from my credit file because I have successfully disputed the acct with the creditor in XXXX and received a statement that I did not have a balance. Also, I stated that I had sent XXXX XXXX XXXX a written dispute on XXXX/XXXX/15 and they have never responded to my dispute request per the Fair Debt Collection Act within 30days. And therefore, XXXX XXXX XXXX has failed to provide the requested proof that this debt belonged to me and can not legally verify that the debt belongs to me without conducting the proper investigation that was requested. On XXXX/XXXX/15, I received the investigation results from Transunion that stated " New information Below '' the collection acct remained on my credit file with no change. I contacted the Credit reporting agency on XXXX/XXXX/15 to find out why the acct was not removed and was told that the information that I submitted was not sufficient even though this acct was already removed before and clearly this acct is being sold to different collection agencies after I have already disputed this acct properly received a statement from the original creditor of a zero balance. I have recently been denied in XXXX credit by XXXX XXXX due to a collection being reported on my credit file and this acct has continued to have a negative impact on my credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Citi Prestige Card -- there 's a benefit that states the forth night is free at any hotel worldwide when booked through their travel service and booking a non-discounted, GDS-avaibale rate. Well that sounds great, but their travel service seems to cherrypick when they 're going to make a hotel available, and the process itself is very cumbersome ( call, make a request, maybe get an e-mail back in 24 hours ... ) I 'm a travel industry/technology insider, so I understand very well how GDS, TMCs, and the hotel booking process works. 

I attempted to book a personally important trip by calling the Citi Prestige Concierge a few times. Finally, I received an e-mail stating both of my preferred hotels were unavailable, even though they were, of course, available. Each time I checked online AND called the property ( in XXXX XXXX ) to confirm, and the availability was there. I asked ( repeatedly ) that the Citi agent just transfer me to the XXXX XXXX agent so that we can resolve it, but I was told new Citi policy forbid this. 

Finally, I gave up and booked the four night stay directly with the property. Citi should honor their customer commitment and provide me with the fourth night free. It 's an expensive hotel, but it 's peak season in a far-away land. That should n't affect Citi 's willingness to honor their promise and core element of marketing the card to it 's intended demographic ( their words ) affluent consumers on a worldwide basis. 

Also, Citi should think seriously about providing an online booking system just as XXXX and XXXX do for their hotel benefits on their top-tier credit card programs. I believe XXXX XXXX provides those services, and it does n't make any sense at all to involve XXXX people ( minimum ) PLUS the customer PLUS 24-48 hours on each request. It 's almost as if the process is designed to be too cumbersome to be used. 

To the regulator : imagine if booking a ticket or hotel room through XXXX took multiple people, multiple phone calls, and 24, 48, 72 hours of waiting before even knowing if the hotel is available ... and this is supposed to be a " high-end '' service on a {$450.00} per year card. 

Again, a simple ask to Citi : that they honor the 4th night free benefit given that I booked directly with the hotel as a non-doscunted " rack rate, '' and I 'm charging the hotel stay to my card. Also, that in the future, they consider how to simplify the process supporting this primary advertised benefit of the card. 


Thanks, XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX XXXX XXXX XXXX from my credit report!!!!! 
XXXX card balance is not correct!!!! 
second XXXX card balance is not correct!!! 
XXXX NO MOUNTHY PAYMENT MUST BE DELETED XXXX NO HIGH BALANCE MUST BE DELETED XXXX NO EARNER PLAN MUST BE DELETED XXXX BALANCE IS INCORRECT!!!! 

MY ADDRESS NOT CORRECT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. XXXX You must update my credit score!!!! 

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 message from Macy 's American express asking if I was trying to make a fraudulent charge in the amount of XXXX, I replied no, then they called me to verify and cancelled the card, buy they went ahead and authorized the charges, plus XXXX more, for a total of XXXX. 
I have sent the dispute letter XXXX times already, call them on a daily basis and they have n't resolve anything. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The lender Wells Fargo will not work with me to lower my monthly payments, thus driving me to consider defaulting. It is unfair for them to not offer any reasonable options for people like myself who are pursuing a better life in this country. I received an education that did not lead to a career in my field of study as well so i feel college advisor offices were very misleading as well. I feel trapped and there is no way out and have no hope for the future. Wells fargo student loan services is extremely greedy and shady as they are also unable to provide all of the allegedly signed documents after i 've requested them on several occasions. Please help me in resolving this issue and having Wells Fargo lower my monthly amount taking into consideration all of my debt/including federal loans. Their customer service is also terrible and lack empathy. Please help me! I feel trapped and extremely depressed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Pressler and pressler of XXXX Nj have taken from my bank account almost {$3000.00}. They have taken out money which they have no recollection of. They have no documents of the funds taken out and have asked me to find the proof they took it out. I called my bank which they clearly see pressler and pressler are the ones who took out my money. They have wiped out my account one week before XXXX. Please help me. They have been causing me nothing but stress the past 3 years. I do n't even get notices from them. When I called them after they took the last of my money again they gave me an address I lived at ten years ago!!! They were n't even sending the notices to my current address!!! The funny part is that they had my current address. It seems like they were purposely sending to my old address to have full power on knowing they will be able to clean out my bank account. I 'm a single mother and work XXXX hard to have these scam artists take my money!!! Please Help me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am currently divorced and the primary custodian of my XXXX daughters. I am in the process of losing our home due to specific credit problems that are preventing me from securing a refinance loan and lowering our monthly living expenses. During my marriage, there were several accounts opened fraudulently using my social security number, unbeknownst to me, by my then wife. I have attempted to reach these creditors and never received call backs. They have been charged off and are now affecting myself and my daughters instead of the person that originally opened these accounts. I am asking for help in removing these particular accounts from my credit report so that I may secure our home and future necessities. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a loan that was transferred to BSI Financial in XXXX 2015 ... 
In XXXX I called and spoke to them as my taxes were due and faxed them the tax bill per their instructions so the bill would be paid on time. It is now XXXX and my taxes still have not been paid.. Also I sent my XXXX payment on XXXX/XXXX/2015 through by bank bill pay and they still have not cleared my check. In XXXX they cashed it with in 2 business days but this month have not. If you read online about this company all the horror stories are about taxes/insurance not being paid and lapsing and not cashing payments and then turning around and collecting late penalty charges. I also lost out on my tax deduction for my property taxes for 2015 since they were not paid in 2015 harming me on my deductions. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company