AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a Macy 's credit card issued through CitiBank. There were XXXX fraudulent purchases made on it. XXXX was made on XXXX XXXX for {$160.00}, and the other was on XXXX XXXX for {$150.00}. I talked to Macy 's fraud department, and they said they would investigate. They temporarily removed the charges and late fees from my account, however they have reinstated the charges to my account. They are reporting my account as derogatory to the credit reporting agencies. Finally, they have been harassing me via phone. They have called me at least 31 times this month, including 7 times on XX/XX/XXXX and 4 times on XX/XX/XXXX. I tried calling back several times, however I got a busy signal and was never able to reach them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a purchase with my Macy 's credit card back in either XX/XX/2015 for a pair of white high top converse sneakers for my daughter. I last made a payment to them XX/XX/2015 which was supposed to count for my XX/XX/2015 payment. They were stating that I never made the XX/XX/2015 payment which made me told them to cancel this account which I though I did. Ever since then they have been sending me statements each month billing me for the card which I clearly told me that I did not want and which they expect a higher amount of payment which I am not willing to do as I have not touched that card since. They have also been calling me non-stop harassing me about this from a XXXX phone number so much so that I had to block the number but since I got a new phone, I have n't been able to download the app to re-block them again. This needs to stop immediately, I will only make a payment on what is owed from that purchase nothing else nothing more. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an automatic payment setup with Citi over the phone with an agent. The auto payment worked well but for some reason it never took the payment on XX/XX/2014. and it resumed back again. Contacted Citi but there was no response. This is showing as negative remark on my credit report and affecting my credit score. 
Appreciate if this can be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank sold debt to a series of debt collectors. The debt amounted to {$11000.00} I believe that this debt amount was a material misrepresentation. The debt collector might have used an inaccurate 29 % APR to falsely increase the total therefore increasing their potential share of the written off debt. 

Please confirm if my debt was part of the recent class action lawsuit. 
http : XXXX Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Transunion inserted a vacated/Withdrawn state tax lien on my credit. I uploaded the original letter that the state of Maryland sent to be that states that the Tax lien has been withdrawn and no further action is necessary. The letter also states that a copy was sent to the credit reporting agencies. I am trying to purchase a home and this insertion is causing me issues. To make matters worse, the lien was filed last XXXX XXXX. Transunion just put it on my credit XXXX XXXX XXXX. If you do not investigate them, my next recourse is to sue them. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a letter from Citibank on XXXX/XXXX/2015 stating that my Home Depot Credit Card was overdue and that the original charge made in XXXX, 2015 was for XXXX. Now with late fees it was {$220.00}. and some odd cents with late fees. 
I immediately contacted the number on the back my Home Depot Credit card to see what was going on. I did not remember owing Home Depot anything. I asked for a copy of the original receipt that I signed or copies of the bills that I supposedly received by email. They said I had opted to get my statements by email. They told me I would have to contact Home Depot for that. I contacted Home Depot and they told me to contact Citibank. So then I contacted the office number on the letter I received from Citibank. They told me that they could only remove one months late fees and I talked to a manager and he told me the same thing. So I paid {$180.00} that very day to clear this up immediately. 
1. I did not recognize Citibank as a credit card that I had when I kept getting calls from them. 
2. My husband checked on-line about these calls and saw that these were Home Depot credit cards and they had been hacked so he informed me to ignore what I thought were robocalls. 
3. I did receive copies of statements and the original receipt about a week later, but no copies of emails they supposedly sent. No alerts by email. In the meantime I wrote to the CEO, President of Citibank but have not heard back. 
4. I have issue with the fact that it took 5 months for them to contact me by mail regarding this account being overdue. One way to collect a lot of late fees in my opinion. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo has stolen {$270.00} from my business checking account in the terms of XXXX {$35.00} overdraft fees and XXXX {$12.00} overdraft fees and {$70.00} from personal checking account ... I never signed up for OD protection. 

Due to, what I believe to be an error by Arizona they levied my account and brought it to a balance of XXXX and the XXXX number Wells fArgo provided to handle the issue never had anyone pick up leaving me to use the internal messaging system. 

They saw that I, a XXXX XXXX Veteran XXXX XXXX XXXX XXXX who is XXXX ( from Arizona of course ), was in a tough spot financially and they took advantage by not responding to my messages with anything but " copy and paste '' responses asking me to call the line that never worked. 

I demand they return the {$270.00} immediately and also return the {$120.00} fee they charged me to have money withdrawed. 

XX/XX/XXXX XXXX withdrawal caused a {$35.00} fee XX/XX/XXXX a XXXX withdrawal caused ANOTHER {$35.00} fee On XX/XX/XXXX and XX/XX/XXXX they hit me {$35.00} both dates for the same {$250.00} attempt. 

This is unacceptable and I would like this to be documented formally so I may take additional legal action XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, among others. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a promotional credit card with Home Depot. They regularly send me offers and I decided to take out a promotional card offering 0 % interest for a home improvement project. I did this a few years ago and it worked out very well but this time they started charging me interest on what they call a revolving balance. It 's on the XXXX page of the bill with no reference on the first page and it started after months of paying the bill. I feel this is misrepresentative/false marketing and a way to get more interest from consumers. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have my mortgage with SLS ( SPECALIZED LOAN SERV. ) I have been denied a loan modification several times for crazy reasons My home is listed as a MERS account. It has been sold over six times without sending a GOODBYE LETTER or notice. The monthly fees keep changing. 
changing. My payments are being sold as mortgage backed security, therefore the home can not collateral. MY TITLE IS CLOUDED AND SLS ( SPECIALIZED LOAN SERV. ) IS NOT BONDED TO COLLECT IN MY STATE. They are in violation of the TEXAS XXXX XXXX. NOW THEY ARE TRYING TO FORECLOSE ON MY HOME. PLEASE HELP CODE. They are trying to steal my home PLEASE HELP ME or 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm a victim of identity theft and someone open lots account in my name and I do n't no any thing about this account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I requested a credit report from Experian for XXXX dollar and found out they also set me up for a membership I did not want and they will not refund my money. My credit card company acknowledge this happens frequently with this company. This is a very deceptive practice and need your help in recovery my money and stopping this company from continuing this practice. 

Company response: Company chooses not to provide a public response
Consumer complaint: Under my personal information, it states that I worked for a laundry company. I have never worked for a laundry company. I have no idea why this would be listed on my credit report and question if any accounts were open under my account that do not belong to me. Please remove this employer. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Original creditor : XXXX, XXXX. 
False account balance : {$59.00} XXXX has been harassing me about this bill of {$59.00} for a while, the reason I have not responded to them is because they actually OWE ME MONEY. The original amount they had charged me was more than the above amount of {$59.00}. I paid them the original amount a while ago, and have the bank check reference to prove it. 

Previous to my paying that bill, I had talked to one of their reps ( XXXX , XXXX ) on the phone and he said he would discount the cost. I waited a while without receiving the discounted charge and decided to go ahead and pay the original amount. Even after I paid the original bill, a new REDUCED bill has been continually sent to me from XXXX XXXX. 

XXXX XXXX has since used XXXX XXXX ( debt collector ) to try to collect from me. I contacted XXXX XXXX and the collection stopped. However, I just received today another collection mail from XXXX XXXX XXXX , XXXX in NH for {$59.00} ( not sure why there 's a XXXX cents difference ). 

At this point I do n't even care about the money XXXX owes me, I would this like the collection requests for this to stop once and for all. 

Thank you. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Paid amount of {$81.00} as of XX/XX/2015 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted this company after I was given their name to help pay back my student loan. They gave me a monthly amount of XXXX+ to pay back but I offered XXXX a month. They told me that when the loan was paid, they would report to the credit agency and it would not show as a loan collected through a debt collector. I was also told that this would prevent my tax refund being taken as well. Well my tax refund was kept and they said they did not know why that happened, maybe my name was on a list for them to be held. I said my taxes were n't held the year before so it was something they must have done such as putting my name on a list to hold my tax refund. Even though it went towards my account, I was told that because the loan would be paid off early now, I was not entitled to the benefits of having this be reported to credit agencies as paid off without debt collection. They misrepresented what they were going to do and how they were going to help me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello my name is XXXX XXXX, I 've been apply for a personal loan in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX and they denied my application because they said in my credit report shows somebodyelse information what is not accurate because is check my credit report trough creditkarma and it 's not showing anything else then my personal information 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX I filed a dispute with Experian disputing the following accounts. But they never responded to my dispute. I disputed that the accounts below is not reporting accurately. 

Here are the accounts that I XXXXXXXXXXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 i disputed through this portal the false reporting made by XXXX XXXX XXXX during my chapter XXXX bankruptcy.I spoke with a representative from Experian and she said that after being contacted by the cfpb.She did not know which account was being disputed so she contacted XXXX and they told her to delete them all.Yet on my credit report the negative XXXX is still there and she deleted XXXX closed positive accounts and shrunk my credit history by 20 years.This has also happened on my XXXX report.I am entitled by federal law to an accurate and fair report.So how can my reports be either accurate or fair if they are allowed to delete accounts that are not in dispute.They are supposed to do a reasonable investigation, it is not reasonable that i would be disputing my closed positive accounts.She informed me that i would have to get them to report them again.That is not reasonable because they are closed accounts that were deleted before their expiration date.So i guess now its not safe to dispute through the CFPB PORTAL. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Home Mortgage claims a {$17.00} late fee for XXXX 2015 was never paid. I paid that fee plus {$0.00} in additional escrow as I specified on my mortgage stub. Bank then added them together and put {$17.00} in " Unapplied Funds '' claiming XXXX late fee was never paid. They use this tactic repeatedly to make it appear borrowers are in arrears falling 3 months behind in late fees so they can accelerate mortgage payment and/or begin foreclosure against borrowers. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Went court frederick hanna asociates got a judgenent consent for XXXX claiming to reprinting XXXX I never sen any documentation in court even though asked for documentation asked for settle for less would not and only can afford XXXX a month but charged XXXX my income is to low to pay this and never seen any documentation in court should have owed less never seen a signed contract from their attorney where I owed the debt I had been paying XXXX in the past now charg me XXXX. Though it wa violation to be paying before trial and all proof documents where in court have payed hanna over XXXX in past and do not owe the stated ampunt 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My original mortgage company sold our mortgage to a company called Specialized Loan Servicing Company. They are refusing to send us a monthly statement showing what our payment date is, escrow, principal, etc because we filed bankruptcy in 2011. This company has a licence in XXXX, NY for a collection agency with no physical address. They also claimed that there is a investor in our home. I contacted the XXXX and this company has an F rating. We are current and up to date. I do n't know what to do, they will only accept payments from XXXX XXXX or direct access to remove payment from our bank account. We need help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed an dispute with Experian and advised them that hard inquiries on credit reports are removed two years after the anniversary date. Experian never gave me a response. The following inquiries are past the two year date : XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013, XXXX XXXX XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013. 

Company response: Company chooses not to provide a public response
Consumer complaint: Over a month ago, i filed an dispute with Experian and advised them that reporting on my credit report that inquiries stay after one year is false. I advised them to delete the inquiries at the two year mark exactly.. Experian did not send back to me any results and the following inquiries are in my file : XXXX XXXX XXXX, XXXX Bank XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX card XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed a judgement that was showing on my creditreport. XXXX deleted it from my report, XXXXmarked it satisfied. Experian said that it will remain when Idisputed it with them. When I tried to get more infofrom them they informed me that all they had to tellme was that they were n't removing it and that they weren'trequired to tell me anything else. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo closed our accounts with no notice, for business reasons, no other explanation was given, per " the terms on our account agreement '', they then locked the accounts and would n't let us withdraw any money for a week. In 26 years we never bounced a check. We still have not received a written notice. Their actions put us at financial risk as it was toward the end of the month, and we had bills to pay. I would like for them to produce my original agreement they said allows them to do that. This was a very abusuve action by Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: The accounts XXXX and XXXX ( ANY AND ALL ACCOUNTS REPORTED UNDER XXXX XXXX XXXX ) are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). XXXX XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over one of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now XXXX XXXX XXXX is gaming the system to punish me for beating them in the courts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an account with XXXX, XXXX. I closed the account in XXXX, and in XXXX I received a debt collection notice from a third party. After contacting the collection agency to officially dispute the debt I contacted XXXX. After speaking with multiple representatives I was informed that their policy on account closures is to -Obtain a new address -Inform the customer about the final bill -Ensure payment for the final bill amount. 

None of those steps were followed. We moved, set up USPS mail forwarding to our new address, and continued with life. 
XXXX claims they have sent XXXX bills to our old address. None of them were forwarded. The collection agency sent the collections notice to our current address. 

A XXXX representative gave me the number to their collections department, which went to a different third-party agency than the one that sent me the collections notice. 

The stance from XXXX is " We did everything wrong, can not provide you with a transcript of our conversations or a copy the recorded conversations with our representatives, so pay up. '' The collection agency does not respond to any written communication by me regarding the dispute or any resolution. I am currently seeking an attorney. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent you a complaint back in XXXX/XXXX/XXXX case # XXXX reguarding Central Mortgage Company. 
of course their reply was all lies as they did back in XXXX. I was told to miss paymentss told to miss payments until a re-fianc or Modification could be reviewed and signed off. Instead they used late payments against me and foreclosed on my property. They even had it on the market before anything was settled. I now only have until XXXX XXXX, XXXX to get justice They owe me what they sold my house for. I want your help to get me justice. 
Thank You XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have requested the following company information be changed due to inaccurate information on my credit report. I have filed disputes and nothing has changed. I also sent documents proving my dispute and nothing has changed. 

I am asking, the following companies removed from my credit report due to consistent inaccurate information. XXXX closed my account after we had an agreement, which once I received a job, I would pay what I owe. We spoke on the phone a few times and after I made my payment, XXXX then closed my account. This has negatively affected my credit. XXXX XXXX made an error, which I notice now, it is negatively affecting me and would like for this to be removed from my credit report account status. I am also asking XXXX, XXXX XXXX be removed from my credit score due to inaccurate account status information. I have requested the information be changed and nothing has been done. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: From XXXX our mortgage was transferred XXXX to Green Tree Servicing LLC.Since then we experienced change in our financial agreement. The name of the borrower and co-borrower were reversed and we received diferent tax interest form XXXX. 
We have XXXX phone calls and XXXX text message but they did not explained us is this change have been made on legal base. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: As I understand it, credit card companies are required by law to list the interest rates and balances subject to these interest rates on monthly credit card statements. I 've notified Bank of America on many occasions that my credit card statements, more often than not, DO NOT include this important information. As of my last complaint about it, BOA reached out to me and said it was a result of a system upgrade and my statements would now include that information. As of XXXX 2015 my monthly statement included the information I was expecting. It seems they corrected the problem for 2 months as XXXX 's statement to current no longer provides this information. 

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