AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Macy 's Credit Card sent out a letter stating that they where changing there credit card agreement. I did not fine the new terms acceptable. I requested they close the account and send me a letter that the account was closed and they had removed me from there database. I recieved a letter stating that the account was closed. There was no wording in the letter that stated my information was removed from the database. I called the Customer Service number ( XXXX ) XXXX and spoke to a representative. 
I spoke to XXXX from the XXXX AZ call center with ID # XXXX and explained that I wanted my social security number removed from there database in case of a data breach or if they where unable to do that a letter stating that they would be responsible for any issues of a data breach due to hacking of there system. XXXX quoted " I am not at liberty to send that letter and unable to remove your social security number from the database ''. 
The transactions are handle by XXXX XXXX but the financial institution which issues and administered is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX-XXXX-XXXXConsumer Financial Protection Bureau AndSenator XXXX XXXXLast year XX/XX/XXXX I filed complaints against Bank of America. Case numbers XXXX and this year case number XXXX. I was happy to report back that Bank of America was working with me concerning Loan Number XXXX. All I wanted was to be allowed in a Short Sale and for the bank to be fair with me. 
After XXXX year, having detailed phone calls, emails and XXXX Contracts on the House, I find out its all been a lie I was told verbally that I was approved for short Sale. I received a letter from XX/XX/XXXX stating I was. But for the last XXXX months I have been trying to remove an IRS Lien off the Property I find out today that I have not been approved ( only an Candidate ) I said all along I did not trust Bank of America. They miss led me for over a year accepting Contracts, working with my Realtor,, etc. while I am thinking I am in a short Sale. Running up the totals and closer to foreclosure. The problem did not surface until I was trying to remove an IRS Lien in order for these buyers could close. I asked repeat ally for the Documents the IRS was requesting. I feel I was lied to and the Home is now in Foreclosure. I have exhausted very attempt to make this work. I feel beat up and abused and giving upI am disgusted with Bank of America and I do n't believe anything they say.. To be honest writing this letter will not help either. So I guess Bank of America the BIG GIANT wins. 
This is beyond being unfair, A lot of people has worked hard this past year, all for what? 
XXXX XXXXLoan Number XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am XXXX y.o. with a XXXX Checking account from Wells Fargo and debit card overdraft protection tied to my savings account. I was charge {$15.00} on XXXX for exceeding what I was told was a XXXX or XXXX transaction limit for withdrawals. That may be correct or not, I 'm not certain. What I do know is I signed up for alerts and received an email saying I was nearing the transaction limit. My complaint : If Wells Fargo can tell when I 'm nearing my limit they should be able to tell me when I 've actually reached my limit and give me the choice to exceed the limit and pay {$15.00} or simply cancel the transaction. I was not afforded that choice and do n't feel it appropriate to charge me {$15.00}. My regular balance is around {$100.00}, so I was essentially charged 15 %. I have to say, for a XXXX, that is a big hit! 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a XXXX from the Barclay Bank located in XXXX, Delaware in XXXX of this year. Between the months of XXXX and XXXX, these are my actual charges I made on this XXXX account : {$500.00}, {$100.00}, {$470.00}, {$620.00}, {$480.00}, and {$48.00} ( total of my charges {$2200.00} ). My total line of XXXX was {$2500.00} ( {$2500.00} minus {$2200.00} = {$260.00} ). The available balance on this account is only {$260.00}. Then, I received a letter in XXXX that my line of credit has been reduced by {$800.00}, and my new line of credit is now {$1700.00}, with around {$300.00} available credit left. I did not add any fees or interest with my charges, because any fool just made up fees and interest that were not right. When I asked how they got the fees and interest, I never got a straight answer. None of the statements will be accurate, new fees and interest are just put on the account each month. I make payments each month on this account, on time and with no late payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently discovered a questionable item on my credit report, which had been paid by my mortgage company before as a financing condition. I went ahead and asked this company to validate the account under the FDCPA. The company failed to provide me with any validation of the account and persevered with reporting the account on my credit report and even verified the account as a valid account instead of reporting it as a " disputed account '' as required by the FDCPA 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After filling out the questionnaire, I was rejected from viewing my credit report. I answered the questions honestly and to the best of my knowledge, and I was given no reason for why I was rejected. If someone has been fraudulently using my identity for a loan or an account, that may have made my answers incorrect on the questionnaire, which in turn could have resulted in my denial. Am I expected to know what 's in my credit report before I actually see it? 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a Collection Account on my credit report that is over 7 years old ; XXXX XXXX XXXX for $ XXXX old XXXX bill. It appears the Collection Agency has illegally re-aged it. The date of last payment on this account was 16 years ago. I have attempted to dispute this with Experian ( I sent them a dispute form ) and they sent me a letter stating they wanted my Social Security number ( which I already provided ), date of birth, mailing address, etc. This is very critical information that I do not want to send in the mail and am confused why they would request this information when my dispute form clearly provides enough information to verify my identity. I feel they are using tactics to dissuade me from clearing up my credit report. By the way-the other XXXX credit reporting agencies do have this account listed. 

Company response: Company chooses not to provide a public response
Consumer complaint: This account was turned over to XXXX in ( I believe XXXX XXXX XXXX. There has been no activity XXXX NONE XXXX yet every few months they keep " updating '' my report ( they did this in XXXX XXXX, XXXX XXXX, XXXX XXXX & again in XXXX XXXX ). Even though this account has no activity & is set to come off of my report next year, every few months it appears as " new '' again. I received an " alert '' from XXXX last week that a new derogatory account had been added to my report. It 's the same account that 's been on here since XXXX. Even though it 's an old account, it caused my score to drop XXXX XXXX XXXX dropped my credit limit as a result XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My husband and I opened a savings account with Region 's Bank a few years ago and had my husband 's SSD directly deposited. The bank suggested with open a XXXX XXXX XXXX account which we did, not the bank has put us on notice if we do not open a XXXX our savings account will be converted to a regular savings account with numerous fees. I think the bank does not care about loyal customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a mail solicitation from Citibank to apply for the XXXX credit card. This card carries a XXXXannual fee. The wording of the solicitation indicated that I had already been pre-approved for this card. Since I already have XXXX credit cards with Citibank, I applied for this card online, using the reservation number given. 
I was declined for the credit card, with the reason given that " Your payments were low on one or more of your accounts with us, '' in addition to the standard " ... balances on your revolving accounts are too high in relation to those credit lines. " I can understand the second reason. I sent a letter, certified and return receipt requested, to Citibank requesting clarification on the XXXX reason. 
I received a second letter in response, only detailing the high balance reason. 
My issue is that I always make more than my minimum payment to Citibank each month on XXXX their cards. They did not provide information to advise on what criteria constitutes an 'acceptable ' payment level in order to qualify for the card that they sent me an invitation to apply for. 
There is obviously a secret criteria that is being used not based upon something known and objective, such as credit scoring, which is discriminating against a customer without them being able to remedy it. 
This is arbitrary and capricious, and should not be allowed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I must required XXXX filed XXXX charging complaint against Bank of America in worst unresolved of overdraft, checking, debit, and credit card into their discrimination issues as they made unresolved of my appearances and they do not like me, too escalated much! They do not welcome me remain with debit, checking, and other banking services until move out of state. At worst unresolved complaint - I am not happy with Bank of America people in XXXX, OR at XXXX in downtown, In addition, they do not interest in my appearances and others in their discrimination reasons are all unresolved problems. I escalated complained against Bank of America are all unresolved problem. They made their responsibility hatred against all my appearances must be recorded to U.S. Senators and Speaker XXXX XXXX in enforced cooperation addresses to XXXX for more excessive orders! 

Company response: Company chooses not to provide a public response
Consumer complaint: Original credit card account was opened in XX/XX/XXXX. Last payment on the credit card was made in XX/XX/XXXX. In XX/XX/XXXX, I received notice that they were going to put my house on the sale list to pay off the debt. After working with an attorney we resolved the issue and they took it off the sale list. In XX/XX/XXXX, I went to mediation and met with representative from the collection company and provided all information requested. Since that time we have heard nothing in regard to the debt. On XXXX XXXX, after logging into our online banking saw our XXXX banking accounts were all negative XXXX. We called XXXX XXXX XXXX to resolve the issue and was notified that our accounts were put on hold because they were now to be garnished by the state of texas. No documentation was provided by the debt collector since XX/XX/XXXX. They explained that they tried contacting us in XX/XX/XXXX to an address that we had n't lived at for 2-3 years. No phone calls were made and no other certified mail had been sent. Address changes were made each time we moved. He explained that was n't his problem to keep current information, although he had my current phone number and mailing address on file. We are now without any money and XXXX kids in our home. XXXX and other money is all gone. There are no judgments or liens outstanding on us. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have several accounts that are not mine that i continue to have reporting to my credit file i am submitting a new police report that has these accounts added to them so that you can identify them along with a ftc affidavit that has been notarized. still these accounts have not been removed as they are fraudulent 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a wells fargo propel card on XXXX XXXX 2015. I had to spend XXXX in 3 months to receive XXXX bonus points. I completed my required spending in XX/XX/XXXX and my bonus points were shown as pending to post XXXX XXXX. I also called XX/XX/XXXX to ask when they would post - i was told XXXX XXXX. They did n't post and i called back XXXX XXXX - the lady said they would post XXXX XXXX. I verified on the website that it was now changed to XXXX XXXX. I called in XXXX XXXX when they did n't post and was told they would post XXXX XXXX. My complaint is that they are not posting in the time their fine print said, as well as they would not return phone calls as promised ( i spent over 3 hours on the phone through 6 phone calls all pertaining to this ). In addition, my points have still not posted even though i held up my part of the agreement - wells fargo is not holding up their agreement in their fine print under the promo i signed up for. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife, XXXX has a XXXX mortgage serviced by Regions Bank, dba Regions Mortgage (loan XXXX, property address XXXX AL XXXX).  Regions Mortgage representatives (primarily the "Single Point of ContactXXXX but (all) others as well), have repeatedly misinformed my wife and I regarding possibilities for a  loan modification.  I have only learned yesterday, XX/XX/XXXX that our loan is not owned by Regions, but by XXXX.  Yesterday, I called Regions Mortgage, and the extraordinarily unhelpful XXXX our "Single Point of Contact", was unavailable, and so I had the opportunity to discuss the overdue mortgage with another representative who repeatedly said the my wife did not qualify for loan modification because of the "Investor" requirements could not be met.  As this representative repeatedly used the term "Investor", I finally demanded to know exactly who was the "Investor".  It was only then that it was disclosed this loan was owned by XXXX.  As this is actually a XXXX mortgage, my wife would have been potentially eligible for a loan modification with lowering of interest rate.  To my knowledge prior to yesterday, we have never been informed of, or told to read the XXXX website, rather we have been instructed multiple times to research our options at XXXX "Know Your Options".  We had dealt only with Regions, who we thought owned the mortgage, and who calls us regularly both by "robocalls" and actual people, so prior to yesterday, were not aware that our loan was owned by XXXX. This was never made clear to us in spite of multiple calls and letters from Regions.  Regions obscured the fact that the loan was owned by XXXX,  either purposefully in order to deceive, or by  gross negligence, so we were unaware we could apply for a loan modification either in XX/XX/XXXX or anytime prior to this and thereby overpaid XXXX of dollars before going into default in XX/XX/XXXX.  We have repeatedly asked Regions for a reduction in interest rate, and Regions has always maintained that my wife was ineligible as she has (1) no income, and (2) lack of equity as they maintained we needed to have an appraisal to establish that there was sufficient equity that was needed to be at some level before the loan could be modified.  As we knew that the value of the properties in the local neighborhood declined greatly since our purchase, we knew that we had no equity and to pay for an appraisal was wasted money.  What we did not know, and we were not informed of by Regions despite our repeated inquiries going back to at least XX/XX/XXXX, was that HARP loan modifications can be done for properties with no equity and in lieu of income, proof of and amount equal to XXXX months of mortgage payments is sufficient.   I believe that Regions has been at best negligent and perhaps fraudulently misrepresenting themselves as the owner of this mortgage, and this deception directly prevented the application for loan modification under HARP.  We intend to pursue this at all available levels, and any assistance you can provide will be appreciated.  Thank you.
XXXX
Company response: Company chooses not to provide a public response
Consumer complaint: Ally Financial refused to give me access to their Vehicle Inspection website to view the damages to the vehicle. It my legal right to be able to view these damages. I have disputed ALL CHARGES from day 1. But will not cooperate and provide access to the pictures. 

XXXX XXXXXXXXXXXXAcct : XXXXVehicle no : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Went into XXXX hospital ER in XXXX texas previous years. All bills paid by XXXX. Then out of nowhere I see pro collect collection trying to collect on the ER visits for XXXX XXXX XXXX XXXX. I never received anything from the XXXX XXXX XXXX. I was never informed. I went to the hospital patient administration and asked why did n't they use my insurance they said they had nothing to do with this particular company for the doctors XXXX XXXX XXXX XXXX XXXX only covers XXXX. I 'm trying to get pro collect to send me a legal authorization letter saying they can legally collect for XXXX. I called the so-called number For XXXX and the lady told me they do n't exists!!!??? there are XXXX items on my credit concerning this. 

Company response: Company chooses not to provide a public response
Consumer complaint: My current mortgage company - Greentree Servicing LLC has been increasing the money needed for escrow every year, but it turns out they never used the money to pay my tax bill for the last few years. In addition, the did not pay my homeowners insurance last year. I discovered this when I went to refinance with another company. I now owe, back taxes, homeowners and GreenTree Financial took all of my escrow money. I even overpay each month, yet they are requesting more money for me to buy out my loan. What happened to the money that went to escrow each year? Why did they tell me I had to pay more money for my escrow account, but they never used the money for my taxes or my homeowners. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried to get my Credit Report and score via Experiam.com and was not able to do so online. 
I received a email from Experian with a phone number to call instead to get get my Credit Report and score. 
When I called the number XXXX the level of disrespect, professionalism i received was unbelievable. Never in my life I experience customer service as bad as thatXXXX call- could n't help me and transferred me to a machineXXXX call- could n't help me and transferred me to another line that did n't workI called again, for the XXXX time. This time a male agent try to help me and he could n't either. 
I ask to speak to a supervisor and i was on hold for 15 minutes. supervisor finally came on the phone and said there was nothing she could do for me. She now transferred me to another department after I had to hold for another 20-30 minutes. At this point had been on the phone for about 1 hour and 30 minutes. and all I wanted is my credit report or if they cant give to me to give me a reason why not. No one at Experian could do that for me. 
This next person I talk to was completely rude, unprofessional and mean. she started screaming at me saying that there is simply nothing she can do for me. I ask to speak to her supervisor and she said I could n't. unbelievable! I asked her for her name. she said she could n't provide that mind you I 've provided this person with all my info : name, address, birthday, social security ... you name it. yet, she would n't tell me her name or transfer me to a manager. After I pressured her to get her name she said her name was XXXX '' from the XXXX department. I then ask her for her operator # and she would n't provide that either. So I hung up and now I do n't have my credit report from them and I dont have a reason as to why not. I was disrespected and its sad that a company as big as Experian would treat people like this 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, my township tax office was contacted by Loan Care ( who serviced my XXXX XXXX ) and was told that a tax payment made on my property earlier in XX/XX/XXXX was not intended for my property and needed to be refunded. At Loan Care 's request, the tax collector issued a refund ( equal to XXXX quarter ) back to Loan Care - thus making my property taxes delinquent. The initial tax payment was paid from MY escrow account and was then refunded to Loan Care and NOT back into my account. I was not notified of this until my tax collector contacted me several weeks after the request was processed. 
In reviewing my detailed escrow statement, these funds were never returned to my account, although I had made all escrow payments as scheduled while Loan Care serviced my loan. The loan was since closed as I refinanced through another company, but this was never resolved. 
Over the past several months, I have contacted Loan Care 's customer service at least XXXX times and submitted XXXX requests for a " customer advocate. '' To date, I have received ZERO response or resolution to my multiple requests. The fact that my requests are being completely ignored is beyond comprehension. I need a response. As far as I can tell, Loan Care owes me a significant amount of money and is refusing to acknowledge that fact. 

Company response: Company chooses not to provide a public response
Consumer complaint: I been trying to communicate with Experian for almost a year to update my personal information with them. I emailed them, I wrote to them and even tried calling them. I want to inform Experian that I been married now for over two in a half years and they need to update my maiden name to my married name, as well as my home address. How can I get them to update my personal records ( name, address, etc. )? 

Company response: Company chooses not to provide a public response
Consumer complaint: Commercial Acceptance Co still has a debt balance of {$180.00} listed as an open account on my credit report, as of XX/XX/XXXX. The debt was paid in full XX/XX/XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXX XXXX holds an auto loan in mine and my daughter 's ( XXXX XXXX ) name. The loan has been paid every month on time through ACH and we have the documentation to substantiate. For some reason, this month they decided to show it as closed and sent to collections. My daughter has been on the phone with XXXX XXXX all morning and no one can explain why this has happened and what their plan is to correct it. This is not correct. We still have the car. The payments have been made on time every month. Help! 

Company response: Company chooses not to provide a public response