AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Macy 's took down their website without prior notice, when I went in to pay the credit card bill there was no way to make a timely credit card payment as the website was down. They provided an XXXX number to pay the bill but that number was cut off before the website was actually back up. Macy promised to have the site up XXXX but it did come back up again until mid XXXX. They then applied a {$25.00} late fee to the account. How can they charge a late fee when they removed my ability to make a timely payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I contacted the toll-free number for TransUnion Online Personal Credit Service to complain that the service was merely a front to sell me more products and did not provide me with a credit report as advertised when I signed up. The number XXXX was answered by someone CLEARLY not in the US. The Operator refused to tell me where they were located and when I asked to be transferred to a call center in the US, was told I would need to provide all of my personal info. I will not provide that info to an off-shore service. 

After XXXX calls and XXXX VERY RUDE refusals, I have decided to take this route in hopes of having people understand this joke of a service. I want this service cancelled, any money charged me returned and people warned as to what a clear waste of time this product pushing service is for the average consumer. 

How can the division of TransUnion that provides credit reports through the mail transfer me to a US call center, but another division so thoroughly waste my time and degrade what little reputation your company already has '' Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: My prepaid card was hacked I have unlock iPhone my account had some charges on it I ask them to investagte I got 1 back but the other one I did n't than prepaid card company lock me out of my online account this is how I get paid buy my employer than company with out my concent took XXXX that I had on card it when to XXXX balance I get text alert on what my balance is what I buy when my employer deposit my payroll check they we 'll not let me have my wages. They say I have to wait a month so they can make sure money is mine it is they payroll send it to them they know how much I get paid they send me text alerts 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Medical breach of records and have submitted proof and now they and their lawyers are trying to collect same debt 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a job online through XXXX the temp agency and there was a job on there called XXXX which is a job you do working from home and they sent me checks stating that I had to deposit it mobile into my USAA account to buy products and that I had to send them {$1000.00} on XXXX XXXX 2015 and {$1000.00} on XXXX XXXX 2015 once the money came available in my account. I went to XXXX XXXX to send them the money back. When I tried to use my USAA card for personal items for myself out of the money I had in my account before that money from that job got in there it said not available when I swiped my card in the store and I tried to access my USAA account it said account restricted and I called and they told me that my account was froze and they are going to be ending my service with USAA because of the checks I deposited I tried to explain to USAA that I got a job offer online and I did not know it was a scam and I did not know something was wrong with the checks they gave me but they were not hearing me out, they told me they would send me a letter in the mail with their determination an every time I would call back to explain myself myself about it all the representatives would tell me they could not see my account and that there was a note on my account. I 'm young and took a job offer because I was seeking another job I did n't know that the job was n't legit and I feel USAA should have known something had happened because I never had any issues with my account with them. They also said it was different checks I only have XXXX checks and the job XXXX could have hacked my account because they were supposed to be a company from XXXX and opened a new building in XXXX Florida. I have never been in a situation like this and can not afford to pay back all that money to USAA. I 'm having a hard time with this right now because I have never experienced something like this and the job really seemed real. USAA also stated that I called multiple times but I only called three times and that 's when I was trying to explain to them my situation so someone was using my information is what I 'm assuming. When I called I was crying and ect. Because no one would help. An when I talked to a man he transferred me to a lady saying she was the one handling my information I was like I never even talked to a lady about handling anything so it seemed like another person was calling also. The person who was hacking my account realized that they could no longer access my account. I just do n't know what to do. USAA just was giving me the run around and they should have realized something different was going on with my account and something was wrong. I 'm young and they just took advantage of me and it 's hurting me that people would do things like this. USAA should know from the time I got my account nothing like this ever happened and my account never had this much funds the most I 'll have is $ XXXX {$200.00} 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My {$1000.00} bank deposit was misdirected. 
Overdraft Protection was not established as I requestedfor my Checking Account. It was posted as {$10.00} anddeposited into my XXXX child 's Savings Account, and the error wasnot found for over a week. This resulted in subsequent overdraftcharges totaling {$860.00}, and SunTrust Bank has refused to giveme a complete refund. I received only a partial refund of overdraftcharges, though I spoke with the Manager, XXXX XXXX and the Area Supervisor. 
I want a complete refund of the {$860.00}, and the bank has refusedto do so. I called the FDIC and they directed me to ConsumerFinance Protection Bureau. I am the niece of a former XXXX, and have been trying to get this resolved forFIVE MONTHS. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has failed to verify my XXXX tax lien that were withdrawal by state of Ca. 
Lien # XXXX Lien # XXXX both withdrawal by state of Ca FranchiseBoard Sac CA XXXX. Experian has been reporting it incorrectly for over 5 yearsas paid and Release. It is damaging my credit file. Experian needs to verfiy it XXXX both were withdrawal I paid XXXX .Please be advised this is my LastWRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Deleted both liens from my credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a member of Pentagon Federal Credit Union since 2011. I had a checking & saving account and XXXX major credit cards with excellent payment history 's. Around XXXX, 2015 I checked my accountso on line and all my accounts are closed and my credit cards are charged off. I called and had several communication was different representative and they stated that my accounts were closed. They had me down on my accounts as being DEASED. I told the representative that this is a mistake on the credit union behalf. They also told me to provide them with notized document stating I ' am not dead. Okay I swallowed my pride on this situation and send them information to theread office. After about 3 weeks I may coctact with the credit union and they stated that they received my information. At that point nothing did not change. I stated to the credit union also how could you have XXXX major credit cards charge off with a zero balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I can not get a tax form of mortgage interest paid out of Wells Fargo. Once you pay off a mortgage, your account number no longer works in their phone system. So you wait on hold to speak with a representative. Their phone hold " tune '' is designed to kill your will to live. I was told I have to wait 30 minutes. 

Update : I have now gotten to speak with a customer service rep. Once you payoff the mortgage, Wells Fargo will not grant you an electronic rights. So there is no way now to get statements other than to phone them and deal with the mortgage bureaucracy. Since my payoff occurred in XXXX of 2015, I will need their help getting mortgage interest payments made through early next year. 

The behavior of Wells Fargo is not up to the standards of the industry. I had another mortgage with XXXX XXXX and that firm allows me 7 x 24 to log in after the loan is closed to log in and download the critical information needed to deal with state, local and federal taxes. 

Wells Fargo -- having pocketed the interest -- should have more regard for the tax compliance burdens of customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved for a Bank of America credit card in XXXX of 2015. My credit card was compromised with fraudulent charges and I disputed these charges with Bank of America. They closed my account and conducted an investigation of these charges and after their review I was informed that the charges were deemed fraudulent and credits for these charges would be credited back to my account. The credits were added back to my account but my account remained closed. I contacted Bank of America about my account still being closed after the investigation was completed and now I have been informed that the credits for the fraudulent charges have been reversed. I have been dealing with this issue since XXXX and this issue is yet to be resolved. I have spoken to several different people from Bank of America concerning this matter and every person has different information and is telling me different things about the same problem. There seems to be little or no communication between departments within this company. This has been very frustrating and this account is currently damaging my credit report. I would like to have this account resolved and all negative information being reported corrected properly. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection agency has accepted information to collect a co-pmt. from XXXX XXXX XXXX. Not only have they turned it over to the Credit Bureaus ( XXXX at the least ) and damaged my credit ; yet also have continued to call XXXX daily ; or XXXX time at the least. Once turned over to the Credit Bureaus it is not to be collect by them. Fair Credit Act ; Law..I believe. The same accounts are being collected by another collection agency. Which has worked with me to stop the collection calls now that I have told them it is " Double Jeopardy '', Law, I believe ; only XXXX Agency can collect a debt. Also, and I am complaining here against " Rash Curtis XXXX XXXX along with other numbers. I lived with roommate and have since moved from the home number the roommate knows he has no right to share information. The ex roommate has told only that I do not use his phone number anymore and can not locate me for them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX I purchased furniture in XXXX Carolina on a Wells Fargo NO interest for 12 Months account. It took me three months to get the account settled so they would take my payments, as for some reason XXXX, XXXX, had not submitted my information, and Wells Fargo had no record of my account, and kept returning my payment funds. After much back and forth with the bank and store, I got it fixed, and I have been paying my account as promised on time as I was told that interest would be accrued after a 1 year time frame, so MAKE SURE, I have the account paid off by then. I have done so, and noticed a jump in the balance this month, so I logged in and saw a {$460.00} and {$27.00} increase on my bill. It is impossible to get Wells Fargo on the phone and I work 12-14 hours a day. I tried email, and their systems are down on the weekend to contact them to get answers, I want to know why this charge is here and why I was n't notified. I want other consumers to know about deceptive banks and banking practices so as to avoid the XX/XX/XXXX melt down this country had resulting from greedy bankers. I 'd like to know how to proceed to resolve this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX. I took out federal and non-federal student loans during XXXX while attending the University XXXX XXXX XXXX. The loan was through Citibank with a total of approximately {$40000.00}. I have made all payments on time and typically paid more than the minimum payment because I was trying to repay back my loans faster. I was able to pay off all my loans by XX/XX/XXXX. It is now XX/XX/XXXX and I 'm trying to get a mortgage. My mortgage lender informs me that Citibank had filed a dispute on my student loan. I had never heard of this before and it was shocking since it 's been a couple of years since I had paid off my loans. I called Citibank and they said that the dispute was filed with the credit agencies because of how my last payment was redistributed. This did n't make any sense. You would think that paying off a student loan would have been a good thing ; not something to file a dispute over. They will be sending me a letter via snail mail which will take 5-7 days for me to receive stating that the dispute is closed and that my loans are all paid off. They can not send me an e-mail or fax to confirm this. They can not overnight me this letter. I 'm most likely not going to be able to meet my mortgage commitment due date because of this, since it is holding up my mortgage application process. I 'm filing a complaint because I was treated unfairly by Citibank and they are not willing to do all they can to help me address the repercussions of their mistake. I would like this to be published so that other consumers are warned and if they did have a student loan with Citibank, it does n't hurt to check if there is an open dispute against them. Especially for those who paid off their loans early and are asking Citibank to redistribute the additional payment towards principal instead of interest, since that is apparently why the dispute was opened in the first place. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had ordered an item online and the vendor did not deliver the merchandise. I contacted my credit card issuer and while initially, they credited back my account, two months later, they re-instated the charge, without checking with me. The vendor had never delivered any merchandise and appears to have gone out of business. I provided a written statement, email exchange and screen shot from vendor 's website showing that the order was still " pending '' 2 months later and I had advised Vendor to cancel my order 2 months earlier. Credit card issuer states that they will " look to re-open the case '', but have taken no action and received no communications in over a month. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are tax lien 's on my report. I have always paid ALL my taxes on everything. Was never notified by anyone that there was an issue until I looked at this report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was notified by XXXX ( collection agency ) that I owed a debt from a red light ticket XXXX from XXXX of 2014. I never received verbal or written notice from XXXX XXXX and was only contacted by XXXX. This resulted in a debt collection and negative mark to my credit score. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX Wells Fargo bought my mortgage loan and almost immediately theywould hold my envelops until the payments were late. I was informed that sinceI was late that they would have to put me on a balloon payment. The increasein payments got to the point that I was on the phone all the time trying to workwith them. I was told at one point that if I did n't come up with the money thatthey would put me in the street. Sometime in XX/XX/XXXX a bad storm came throughthe area and lightning hit the home and burned it to the ground. My insurancepaid the amount of the mortgage, but Wells Fargo did n't want the check forXXXX. We were told that they needed a letter from out insurance companyexplaining why we wanted to pay off the mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, after losing a job, I applied with Bank of America for modification of my mortgage. In the next three months, I did receive XXXX letters from BofA, XXXX of them with the requests to submit the same documents I submitted originally at the time of application. Finally, BofA informed me on XXXX and XXXX that I am not eligible for modification of the loan for the following reasons:1. " You are making all required loan payments on time. " 2. " You did not obtain my loan on or before XX/XX/XXXX. '' It was absolutely clear from the very beginning that I obtain my loan long after XX/XX/XXXX. 
XXXX. " You have sufficient net income ( pension of XXXX a month ) to pay your current mortgage payments ( {$1300.00} a month ) '' 4. " Your loan is not eligible for the Home Affordable Unemployment Program because we service your loan on behalf of an investors that has not given us the contractual authority to suspend your payment under the Home Affordable Unemployment Program '' ( The most puzzling one ). 
The whole process was tortuous as nobody explained to me why should I submit the same package of documents ( bank statements, verification of my pension and unemployment status, etc ) seven times in three months. I am sure nobody read them as I was getting the same letters with different dates on them. 
I am still unemployed ( my unemployment benefits rean out long time ago ) with almost no prospects ( my age of XXXX works against me ) and I am still making payments on time borrowing money left and right. I do not believe I ever had a single late payment in my lifetime and I can not allow myself not to pay. Unfortunately, according to BofA, this is # 1 reason I was denied a loan modificationI am still having difficulties making payments as in addition to that I have medical bills, child support, plus prolonged unemployment since XX/XX/XXXX. 
The whole situation is described in several attachments. I am seeking loan modification, but Bank of America does not want to cooperate. They told me openly, that if I would stop making payments, my chances for loan modification will significantly improve. But it is against my principles. 
Thank you, XXXX XXXX. All documents from BofA were signed by XXXX XXXX, Customer Relationship Manager 

Company response: Company chooses not to provide a public response
Consumer complaint: REFERENCE : XXXX XXXXWhen I was deployed XXXX, my social security number was used by another to obtain a credit card. The card was opened " in-store '' and not online XXXX. I was in XXXX. It was impossible for me to open the credit card, there is no XXXX XXXX store XXXX. 
I have explained this to XXXX XXXX because they operate the XXXX XXXX card. I have given XXXX XXXX XXXX ( XXXX ) a copy of the police report. They refuse to take the credit card out of my name and insists on assigning this debt to me. 
Whenever I get this matter resolved with the credit reporting agency, XXXX changes the account number and reassigns the account to me under a different number. However, since I have NEVER NEVER applied for a XXXX -- they have no authorization to associate my identity with their business. They need to close this account and quit reporting the account as belonging to me. 
Attached are : my orders showing my deployment XXXX, a copy of the police report, and an Experian credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I believe that Shellpoint Mortgage Company has violated a code of ethics. They have collected overpayment from my mortgage payments and can not provide a specific answer as to where the funds have gone and why my balance remained the same despite catching up my payments. Also, they charged a fee of {$350.00} for a loan modification application which was not even reviewed due to supposed missing pieces of information. At no point was I made aware that there was a fee for applying for a modification. If I need loan assistance it seems underhanded to charge an excessive fee on top of what is already owed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had an credit card account from 2003. After I have obtained my credit card account the original bank of XXXX was merged into Bank of America. Prior to that occurrence, I was late on a payment which I was penalized with a rate increase. This was over 10 years ago. I am current paying a rate of 26.24 %, and have been for over ten years. I have made on time payment every since that late payment, over 10 years ago. I have attempted to get an interest rate reduction, but informed there is nothing available for me. I believe that is absurd. I ca n't be provided any reason as to why that is. This is unfair, I have been making payments where approximately XXXX % goes to bank of America. I would have never chosen in the first place to get a bank of America credit card, as I have disliked their services for years ; and this is a perfect example why I dislike bank of America. BOA has needs to reanalyze how they do business and how and by whom their decisions are being made when involving their clients/customers, as it is them that keep them in business. There is not need to take advantage. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on EXPERIAN. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response