AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Received instant credit from Macy 's in-store and purchased items. Macey 's failed to deliver a bill, a card, or any method to check account or pay until AFTER the due date, but still assessed late fee. Immediately upon receiving bill I attempted to pay online, but their system remained down for a full day. Even though i paid the amount in full AND the inappropriately charged fee, they STILL assessed an additional interest fee. they agreed to close the acocunt. I am receiving this treatment as a direct result of my being XXXX address, and the company not getting initial card or bill to me in a reasonable amount of time before due date. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX 2015 I paid several outstanding medical bills. These were removed from my credit report only to be re-added again. I contacted both Trans Union ( I have heard nothing ) and the collection service. They promised to have these items removed 3 weeks ago. That was supposed to happen within 7 days. Its has not. 

My credit rating rose to XXXX XXXX XXXX and and 2 days later dropped to XXXX. This was direct result of the paid items being re-added. I was about to refinance my home and am now unable to secure a better rate. 

Thank-you for your assistance in this matter. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX 2015 I applied for a refinance through Network Capital Funding Corporation. I was given loan details, loan terms and eventually was provided with a loan commitment. ( see attached ). During that process my credit report showed items which were erroneous and I worked with the respective parties to have these items removed which they were. However, rather than requesting credit supplements from the credit bureau, Network Capital proceeded to request hard credit inquiries again and again totaling XXXX inquiries in two months and a half months. ( the Network Capital hard inquiries are highlighted in yellow and attached ). Thease inquiries severally damaged my credit scores causing additional and unnecessary inquiries to remain on my credit report and thus changed my credit profile and lowered my credit score. 

Beside this, I was told my appraisal would cost {$400.00} ( see attached loan details ) and I received disclosures to that effect, however, Network Capital caused my credit card to be charged {$510.00}. ( see XXXX XXXX statement ) The appraisal was completed and there was no mention as to a refund of the difference. of {$110.00} and I was still being disclosed {$400.00} thereafter!!! When I asked my account rep he stated he the charge was only {$400.00} and he did not know why I would be charged more. Furthermore, I was given a closing date with final disclosures and Network Capital failed to submit the package to a mobile notary who contacted me to set up the closing documents. Network Capital stated that they needed an additional document and was " waiting for the president to sign off the paperwork. '' After another week I requested that the file be transferred to another company, which they did. 

When I started this refinance I was able to qualify for a conventional cash-out refinance with no escrows. Now my only option is an FHA loan with escrows and mortgage insurance. This means that I have to pay over additional {$5200.00} + at the time of refinance and approximately {$190.00} per month for a minimum of 11 years!!! This is over {$25000.00} I did not need to pay - all because my score dropped not because of non payment of debt or addition of debt, I actually decreased my monthly liabilities - it is purely a result of the hard inquiries by pulled and populated on my credit report by Network Capital Funding Corporation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: payment was issued to Macy 's on a account that reached the statue of limitation so the debt can be cleared. I called to check on the status of the payment posting several times to finally be told that they mailed the payment back. Well the payment posted but to the wrong account. Now I am being told that I have to mail in the copy of the check to a XXXX XXXX with not time frame as to when the payment will be put on the correct account. There are no managers that are available to assist with this matter. This need to be solve as soon as possible. I was also told that they ca n't send me a receipt showing that the payment has been posted to the correct account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My father got an XXXX loan in his name XX/XX/XXXX after being approved to build a XX/XX/XXXX. The original bank XXXX was taken over & all assets were purchased by XXXX XXXX XX/XX/XXXX. My father passed away on XXXX/XXXX/XXXX. Roughly 2 weeks after he passed XXXX started harassing us about the loan not having an Owner or signer. XXXX demanded my fathers " will '' that left the rink to my mother be probated, so she transferred the rink to me since I was the other partner in the business. XX/XX/XXXX we were having problems making the payments, so XXXX gave the business 3 months of interest only payments. In XX/XX/XXXX, my family & I decided to turn in the keys. XXXX XXXX ASKED us to run the business until they could sell it. First they were going to Auction it off XX/XX/XXXX, then they cancelled the Auction & they were going to take keys XX/XX/XXXX. This went on until XX/XX/XXXX when we decided that something fishy was going on & we sought out legal council & filed for Bankruptcy. During the Bankruptcy proceedings we found that several of the XXXX Executives sold the {>= $1,000,000} loan to themselves for {$750000.00} under another bank name " BankUnited NA ''. We went through the court system and the day we were going to finalize the agreement, BankUnited brought in an additional lawyer that said he was hired by BankUnited to " Kill '' the business. We had an agreement with BankUnited the day before. My attorney, the attorney we had been working with AND the judge were shocked. We had done everything that we needed to do. After talking to some other XXXX/XXXX/BankUnited victums, they all had the same thing to say. There was no negotiation, just Foreclosure & personal bankruptcy. The group has been buying loans at a reduced cost, foreclosing & selling at a HUGE profit. It seems as though this group is double dipping at the tax payers expense. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: US Bank applied a {$36.00} fee to my account and brought the balance down to negative {$35.00}. They put my account in negative. Then proceeded to charge overdraft fees 4 more times. They created my negative balance then penalized me because of the negative balance they created. Furthermore, they did n't inform me of the impending overdraft fee nor informed me the account was actually in " negative. '' They refuse to rectify the situation. They have charged me a total of {$180.00} in overdraft fees and my account is negative {$170.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX have potentially negative on my account even doe i haven miss a payment. in XXXX XXXX XXXX contacted me and wanted me to send them paperwork for payment for XX/XX/XXXX and XX/XX/XXXX. i could n't and they was taking about taking my car if you take a look at my account from XXXX XX/XX/XXXX tillXXXX XX/XX/XXXX never miss a payment. I end up paying XXXX extra notes to catch up because i did n't have paperwork, now XX/XX/XXXX enough payment is missing. that potentially negative need to be removed. also my account started at XXXX XXXX and it still have n't move bal XXXX after 21 payment made please invastigated this company. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I Sent a letter to Experian on XXXX XXXX, XXXX, regarding a timeshare I purchased at the XXXX XXXX XXXX XXXX several years ago, along with a copy of a signed and notarized deed, filed and recorded in XXXX XXXX, XXXX, Tx, where I sold it on XXXX XXXX, XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, Tx. XXXX. XXXX XXXX failed to record the deed until XXXX XXXX, XXXX. I contacted XXXX several times to advise them of this sale and have been receiving harassing calls since XXXX, XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX for two years, 3-4 times every week, and also they have damaged my credit score by trying to charge me for the yearly maintenance fees on the timeshare I sold two years ago. There position has been I 'm still responsible for these fees since XXXX XXXX has not paid them, and XXXX XXXX has used the timeshare. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I bought my home back in 2000 the mortgage company I had sold out to XXXX other companies Now a company called Select Portfolio Servicing which they say the are a debt collector. I have issues from the start with them. They can not tell me whom has my mortgage. They recently put an ad in the paper to auction my home. Thank god I got hold of the Attorney General and they got hold of XXXX XXXX XXXX the attorneys who are handling it. Which they will not give me any information. Even when I was making payments I was getting harassing calls and letters saying I was behind. When I call them they are rude and they are always losing the paperwork for a modification. I am at my wits end with them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a bill from this company. I do not owe this debt. I never received a bill from the company that they are stating sent me to collections. the bill is for {$43.00}. I have medical for my child and they pay all bills that are for him. I do not under stand why they are trying to make me pay for a balance from what looks like the insurance did not pay. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On or about XXXX/XXXX/16 I went into my bank, USbank and noticed my balance was less than I thought it was and went inside to see why. The banker first noticed when I got gas, they charged me 3 or 4 times but it cleared the next day and corrected. I had pulled out about {$40.00}, and then went and pulled money off my XXXX card. The next day I saw everything cleared and the over charges returned so I paid another bill. Then on XXXX/XXXX/16 I was going to transfer money and noticed I was over drafted. I called to find out why, and was told the teller made an error, did not post my money I pulled out so they pulled it out a week later. I have been in several times and called customer service to try to fix this, and they waived a few fees but they would not fix the issue they caused. They keep trying to get me to pay {$60.00} or so and charge me fees. I saw on my end and theirs the very next day everything had cleared. I do not feel I should have to pay again for their mistake. There is even a note on my account saying this was an error. I also disputed the amount I pulled out. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This concerns complaint # XXXX. Wells Fargo has submitted a response to you that is not true. We were forced to sign documents that the Federal help that came through Keep Your Home California was in fact a modification from Wells Fargo. It was either we sign or the Bank would return the funds to the Federal Government and foreclose on us. It was not an empty threat. Wells Fargo responded to Consumer Financial that they clarified to us that the funds from Keep Your Home was not a modification. That is not true. We had to sign documents that it was a modification from Wells Fargo. We do n't know where to go from here, we had other concerns that Wells Fargo did not respond to you, but they did negatively respond to us. We would like very much that Consumer Financial turn this case over to a Federal agency for prosecution of Wells Fargo for destroying our lives. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently paid off my home in North Carolina. Well that is what I thought I did. 
Today, I received a letter stating that I was to pay XXXX At the same time Bank of America has not since refunded my Escrow Money. Why is it that Bank of America can not simply deduct the {$13.00} from my Escrow Account. The XXXX is late charge. I do not see why a bank this size can not just wave the fee. I am attempting to have my credit reports showing the account is paid. Bank America continues to report that my mortgage is not paid. Am I upset with Bank of America? Yes, would I have a mortgage with Bank America again I am not sure. 
Anyone with similar issues can call me at XXXX. I am not an attorney. 
I can not and will not give legal advice. However, if you are looking for moral support a friend I am here for you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I cosigned a student loan for my son. When we entered the repayment period, I tried to set up an online account to pay online. I was unable to do so. When I contacted Wells Fargo I was told that my son could set up an account and allow me access through a guest account, but I would be unable to pay the account through a guest account. Only the primary borrower could pay online. I must either mail a check, go into a branch or make a phone payment each month. I feel this is ridiculous given the fact that I would be held fully responsible for the balance if my son was to default. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: For the last few months I have been told verbally ( recorded line supposedly ) that I would qualify for another deferment ( 2 month deferment ) to help me get my loan caught up as I have been paying one month in arrears for months. I was told to just keep making a payment monthly even though it 's behind and I would qualify in a " couple '' months. Well today, I asked for that deferment and was advised that I do not qualify until XX/XX/XXXX for another one. She only advised me of XX/XX/XXXX after I threatened to file a CFPB complaint. I feel completely mislead by this company. I advised them that they need to coach their representatives not to state a " couple '' months to customers when referencing when customers will be qualified as this misleads the customer to thinking that they will qualify and can get back on track soon. I have been going through a divorce and not getting child support ( child support will be court ordered XX/XX/XXXX ). I pay daycare and all child expenses on my own. I have struggled the last 6 months, yes ... but I felt there was help again as I was advised I would qualify for deferment in a " couple '' months. Please feel free to listen to the recordings where XXXX representatives the past few months and this month have advised me that I would qualify in a " couple '' months. Only when I threaten a complaint do I get an honest answer. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My XXXX year old Aunt received a call from XXXX, and so did my workplace, claiming they were a process server and if I did not call them back in 2 hours, they would serve court papers. I called the number back and they wanted credit or debit card information so I could make a payment on a debt that was written off in 2008. They told my Aunt that HER address was my last known address, which is not correct. At my workplace, they wanted to talk to the immediate supervisor ( which is myself ), but it was my day off. If I was not the supervisor, what would they have told that person? They had my SSN. I told them to send me something in the mail, and she said they did not do that. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Started working with Primary Residential Mortgage mlo XXXX XXXX XXXX XXXX. He informed me XX/XX/XXXX by phone we were pre-apprved for our home loan. XXXX did not disclose anything to us. After a few wks i reached out to the CEO to let him know of my frustrations and he kindly responded and had someone reach out to me. I then began working with XXXX XXXX Division President whom later had me to work with a branch manager XXXX XXXX. XXXX has been polite but has given misinformation throughout this process and has now caused me to lose my home with XXXX! XXXX has been very inconsistent and honestly i feel discriminated against due to not having a higher score as he 's used to. XXXX stated no origination fee would be charged then changed the info. Stated my dti was XXXX % then XXXX % some how no explanation. Told my builder he could n't move forward yet told me we were on hold. NO one at Primary has addressed my concerns and now my family is without a house! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Nationstar mortgage continues to harass me to refinance my mortgage relentlessly. I 've blocked all of their phone numbers so they ca n't call me. I refuse their mail ( except statements ) at least once a week, if not XXXX XXXX times. Nationstar is the last company I would want to refinance with, however, I fear, if I refinance with anyone else, my mortgage will just end up back at Nationstar. They are very predatory!!! I just want to be left alone and allowed to pay off my mortgage in piece. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage company, Wells Fargo sent me an Escrow account disclosure statement to inform me that I had an Escrow shortage of {$1600.00}. I was advised in this same document that by paying the amount previously mentioned by XXXX XXXX that my new mortgage payment would be {$1500.00}. The {$1600.00} was mistakenly applied to my XX/XX/XXXX payment, which was eventually resolved. However, I was informed by Wells Fargo on XXXX XXXX that my new payment was going to be {$1500.00}. When I called to ask where the extra {$10.00} was coming from I did not receive a clear, satisfactory explanation. I was also told that nothing could be done to restore the payment amount on Escrow account disclosure statement of {$1500.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There are issues with my sons loan that he and his mother have with Sallie Mae and they keep calling me at all hours and while at work. I explain that I am not on the loan and to stop calling and their people have stated my name is on the contact list and they want a payment and if I want the calls to stop to make a payment. 

As far as I am concerned they are worse than a loan shark and they will do multiple computer calls per day and that is a form of harassment and that is not legal. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened a XXXX XXXX Credit Card account with Citi due to the limited time offer of XXXX points for {$2000.00} eligible spending in the first 3 months. I have access to this offer from both Citi website and XXXX website, and applied through the link offered. However, upon opening of this account, I only received the regular offer of XXXX points for {$1000.00} eligible spending in the first few months. I followed up with Citi on the limited time offer as provided, but Citi refused to honor the promised offer. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My husband was unemployed for two and a half years. I was unable to pay credit card bills at the time. Paying mortgage and providing food for my family was the priority. I offered to make payment arrangements but, what they were requesting was in excess of {$200.00} per month which I explained was n't affordable as I was the only one working in a household of XXXX people. This company sought legal action, put a lien on my house and froze my bank account. They debited amounts of a little over XXXX and XXXX XXXX dollars on two occasions and put a freeze on the same amount twice. I had to go to the bank on several occasions and take time off of work to resolve this error over the course of more than one week. The funds they debited were my mortgage funds which put me further in arrears and caused me extreme financial hardship. I contacted them regarding a settlement on a few occasions and they refuse stating since they have a lien on my house so they do n't have to make a settlement arrangement. They are also unwilling to set up a reasonable payment arrangement. I am going to be out of work soon as my company lost their contract and I explained this to them. They are unrelenting and uncooperative. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After carefully reviewing my credit file XXXX has placed a debt onto my report in the amount of {$1000.00}. XXXX has the last reported payment on XXXX XXXX, 2015. XXXX failed to report the other payments made to this account. I would like for XXXX to remove this item off of my credit report due to XXXX placing me on a monthly shut off protection plan and XXXX failed to report payments made. This affects my credit report dramatically. I do not feel that it is fair for XXXX to place collection on account but not report payments made. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I HAVE A CITIBANK CREDIT CARD.TODAY, I WAS TRYING TO CONTACT CUSTOMER SERVICE. FIRST CALL WENT TO XXXX, THEN IN U.S.A., BOTH WERE NOT CO-OPERATIVE AT ALL. THE CUSTOMER SERVICE IS HORRIBLE, AL THOUGH I SPENT MORE THAN 30 MINS ON THIS CALL. I WAS REQUESTING FOR MY ACCOUNT STATEMENT FOR XX/XX/XXXX BUT THEY DENIED TO DO SO.CITIBANK HAS NO RESPECT FOR CUSTOMER 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have contacted Rash Curtis & Associates on 5 separate occasions about XXXX accounts, I dispute having knowledge of, that they have placed on my credit. 

I am referring to accounts numbers XXXX and XXXX. I find it immensely frustrating that they will not acknowledge my complaint/dispute however they continue to discuss the matter with the credit bureaus and have advised them that the accounts belong to me when they do n't!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased a XXXX XXXX XXXX from XXXX and financing was thru YKS Acceptance. I have seen the complaint against then and have contacted the CFPB and was advised that I needed to contact XXXX. I have done so on several occasions and I get told that I need to contact the CFPB. I want to know if I will be included on this. My Acct number with YKS Acceptance is XXXX. I have had nothing but problems with this vehicle and they would not negotiate pricing, charged us {$2500.00} for extended warranty and i would still end up paying for repairs. within the XXXX 30 days the head gasket blew and they charged me for towing of the vehicle back to the shop. I needed a vehicle for my family. they did not give us the option of looking other places for loans. 

Company response: Company believes the complaint is the result of a misunderstanding