AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My Name is XXXX XXXX, XXXX of XXXX XXXX who passed away. ( My Father ) The property in reference here is XXXX XXXX XXXX in XXXX XXXX, CA. My Father had this on a reverse mortgage but the home was also under water. Our agent XXXX XXXX XXXX XXXX ) XXXX with XXXX XXXX XXXX fought for over a year to negotiate with Wells Fargo Reverse mortgage to approve the short sale. Did is also a probate sale in which the court is really pushing us to close. We got approval on XXXX XXXX 2015 with a deadline to close by XXXX XXXX 2015. Everything was going well until XXXX of the buyers got ill and ended up XXXX. During this period there was nothing we could do, nor his lender. He was XXXX and i do n't possibly know a way we can make hime sign, or summit documents in that condition. This is clearly something that was out of our hands. We reach out to Wells Fargo to explain to them the situation and they refuse to work with us. The processor clearly told us that if we do not close by XXXX XXXX. The deal will be drop and property will face foreclosure. They said their hands were tied and nothing they could do because this was a HUD guideline not theirs. How is this possible? we work so hard to finally get this deal here and how is it that we could not get 3-4 extra days to close when the buyers was submitted to the hospital. How is it that there is no exception for something like this? This was out of our hands and by anyway not a delay to close the file, it was an emergency the buyer went through. We are very upset because the files was drop and they are making us re-sudmit everything again so they can now approve us for the short sale. The whole experience with Wells Fargo was a nightmare, from them losing documents, to changing terms last minute, to approving XXXX thing and then changing it. How are they still able to operate. This is so unfair, we are only trying to make this right and it feels like they do n't care and all they want is to insure we lose. The buyer is out of the hospital and is devoted that the house he was only 3 days away from having has now been taken away over some policy that makes no sense. No supervisor, no manager could help. They all said there was nothing they can do. We want this deal close and we want to make sure they comply with that. As consumers i feel we are taken advantage. How is it that they benefit from turning down this deal from closing due to a 3 day delay?? would n't it make more sense for them to get pay and get this over with it?? 

I really hope you can help, my family is devastated by this. We can get over how they can just screw like this. We fought so hard to make this happen and now they just cancel the file over something we had no control. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am currently in default of my vehicle. I have provided the company with all documentation that has caused my default. I called today to make arrangements to pay the full balance on XXXX/XXXX/15 and they are refusing to accept my payment. But are making statements that I will have to pay fees to retrieve the vehicle from repossession. In addition, I feel the contract was forged because the car was initially only work {$5000.00} and now the loan is up to $ XXXX because apparently they gave me the full amount that I qualify for even though the vehicle was not that amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed bankruptcy in 2013, and added Advance America in the case and they continue to contact me threating to take action against me if I do not pay them. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I 've been with Wells Fargo for 22 years since they were Wachovia and before that XXXX XXXX. 
I have several credit cards, accounts and a line of credit with them and this past Sunday I had a payment due on my Personal Line of Credit for {$300.00}. I have it setup to automatically pay from my checking account, but I was in my account so I went ahead and paid it thinking it would stop the automatic withdrawal. It did n't and both payments posted causing my checking account to be at XXXX. Then Monday two payments hit my checking account triggering XXXX over draft charges. I immediately called Sunday trying to stop XXXX of the payments when I realized my error and they were n't able to stop the payments in time, but they did refund XXXX of them to my checking account and I was told to call back and request a refund of the over draft charges after everything settled. 
I have XXXX problems one I do n't feel I should have to pay these over draft charges because if I had n't made the mistake the {$300.00} was more than enough to cover the charges I had coming through my account so I did n't need to use over draft services. 
Second I want to complain about how I was treated on the call this afternoon by one of the Supervisors - XXXX, when I asked for my money back. XXXX could have easily been a robot talking to me. She stated the company policy and from the time she opened her mouth I could tell I meant nothing to her and neither did my 22 years as a loyal customer with them. In the end I think I 'm more offended by that lack of regard than by the loss of {$40.00}. She was such a smart aleck that she even stated I could cancel the over draft services if the fee was too high. Total disregard for me as a loyal customer and when I mentioned that I had been with this bank for 22 years and asked her how long she had ( because I wanted to know if she was from Wachovia ) she cut me off and said how long she has been there has nothing to do with the banking policy. 
The sad thing is I train customer service reps and there were many different ways to handle this situation, Wachovia/XXXX XXXX would have either explained the policy and offered a courtesy refund or I have even had them split the difference with me, but to be out right cold and brutal, they would have never done this. 
I stayed with this bank so long because I expected loyalty back as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX, XXXX, and XXXX I disputed errors on my credit report to Experian ( the same ones over and over ) and they refused to remove inaccurate fileings on my report. They never sent me any information as to why, or proof that the debt is mine. The report that the sent me showed no findings, and gave me no information what so ever. 

Company response: Company chooses not to provide a public response
Consumer complaint: The big XXXX Credit Agencies have no authorization from me to collect, store, and sell my financial information, nor evidence of written authorization of the same. This issue applies to me just as it applies to all people living within the United States. 

Credit information is no different from a personal work profile. The example is XXXX. But, at least LinkedIn participation is a matter of choice. There is a master agreement to participate with XXXX XXXX. But, there is no such agreement with Experian, XXXX, or XXXX. Credit reporting is a forced participation, and its existence and easy access allows for identity theft related crimes to occur. Worse, as an unwilling participant, I am forced to pay a fee to have that information locked. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company and find out get bad review with XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I returned some products to Macy 's via USPS ( they had been purchased online ). Upon rI requested a refund to my method of payment which happened to be my Macy 's credit card. Instead they issued me a gift card. It took me over a month to get them to cancel the gift card and return the amount to their proprietary card. At the same time, I I retunred items from another order which still have not been credited and just this week they did the same thing on some holiday gifts which I had to return. I have contacted thsm so many times but no one seems willing to step-up to just issue the credit. We agree on the amounts so there 's no issue there. Even though I clearly indicated that I was n't a credit back to my card they have now three times issued me gift cards. It seems really sketchy to me and I wonder if they can even legally do this? 
Sorry for any typos ... my computer is having trouble formatting this screen. 

Company response: Company chooses not to provide a public response
Consumer complaint: This was a apartment complex called XXXX XXXX XXXX in which I did not receive a bill. I was expecting my deposit returned of {$350.00} but instead they say I owe around {$100.00} that now shows up on my credit report under a collection company called Hunter Warfield. I have sent a letter to XXXX XXXX XXXX either asking for my refund of a detail receipt of the bill in question. I have receive nothing from the company. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: PRO COLLECT INC. I DISPUTED ONCE THEY NEVER MAILED ME ANY INFO AFTER I ASK. THEY HAVE THE WRONG PERSON I NEVER LIVED AT THIS ADDRESS I BEEN AT MY HOME SINCE 1998 HAVE THEM REMOVE IT FROM MY REPORT 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a negative credit mark for a small amount of money because I was never notified of the collection. I moved from XXXX to XXXX XX/XX/XXXX and the notices went to my old home. I have good credit history, have a perfect payment record, and have never had a negative mark before. I tried getting removed by CMRE collections agency but they said that their policy is to never remove marks as of XXXX 2015. This is absurd and should be against the law. I paid my balance timely and I believe that this should not affect my score. 

Company response: Company chooses not to provide a public response
Consumer complaint: NCC Business Services XXXX has re-initiated trying to collect a debt I do not owe. During XXXX I provided response to their collection attempts, and ultimately provided evidence to the XXXX credit reporting agencies XXXX and all XXXX credit reporting agencies found in my favor and determined that the debt collection was not valid. Now NCC is again trying to collect this same debt, about 1 year after I 've already had the credit reporting agencies dismiss this as an invalid debt and a debt that I do not owe. The company has harassed me and called me repeatedly, and yesterday XX/XX/XXXX even called my place of employment. I called them back and explained never to call me and to not call my place of employment. The representative was extremely rude and I had difficulty getting them to stop talking so that I could explain that this debt has already been proven invalid but they threatened to report it to the credit agencies again. I asked if I needed to contact the original place that levied this claim and they said no and that it had been " turned over '' to them. I have already proved I do not owe this money and now they are starting to harass me all over again. I have mailed in my credit reports showing the dismissal of this claim of debt to NCC as of this Monday XXXX XXXX ) so I did provide them written notice that I disagree and that the debt is not valid. I explained all of this on the phone but the representative was loud, would not listen to me, and said that no matter what that I owed this money and that I did n't know what I was talking about. He even said that since I work for XXXX he would n't try to tell me how XXXX works and so I should not try to tell him how debt collection works. I told him that he was not listening and that I would have to go ahead and hang up the phone since he would not listen to any rational or reasonable explanation that I was providing. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX XXXX, I spoke to Macy 's Customer Service about a {$25.00} fee on my account. They agreed to remove the fee and I paid my remaining account balance off in-full. However, Macy 's never removed the {$25.00} fee and each month additional fees were added to my account without my knowledge. ( Since I did n't make anymore purchases, and knew I paid my account off in-full, I considered the in-coming statements junk mail. ) Then, at the end of XXXX, I started getting calls from Macy 's collection department. I explained the situation several times, but continued to receive XXXX to XXXX calls a day to collect the alleged {$96.00} past due balance. In XXXX, I brought all my statements into my local Macy 's department store, but found out they no longer have Customer Service representatives in the store -- they referred me to their CS telephone and I again waited XXXX minutes to speak to someone and got nowhere. 

After complaining to the XXXX XXXX in the store 's employment office, she call Macy 's Special Collection Department and got them to remove all fees -- bringing my account to a zero balance. She asked if I could get confirmation of the adjustment, but was told, " No, it would be seen on my account. '' Now, it is XXXX XXXX, XXXX, and I already received a phone call from Macy 's Collection at XXXX this morning. Half the time when I answer the phone no one is on the other end to talk to me. Other times, I get a person and have to argue with them for several minutes in order to get them to read the notes on my account -- after which they come back on the line, confirm I have a XXXX balance, and apologize the phone call -- but the CALLS KEEP COMING!!! 

At this point, I feel I am being harassed in my own home for a debt I do not owe! I have asked them to stop calling ; and, I have written to Macy 's on-line Customer Service several times to complain, but they continue to send back the same response in which they refer me back to the collections department. I have even asked that my account be closed -- but I get nowhere! 

This situation is driving my whole family crazy! I really feel like the only way to get Macy 's Collection Department to stop calling is to pay the {$96.00}, but I refuse to do that because the entire balance represents fees on top of fee that I was told would be removed from my account -- not merchandise! 

Please help me! 

Company response: Company chooses not to provide a public response
Consumer complaint: THEIR WEBSITE IS NOT WORKING 

Company response: Company chooses not to provide a public response
Consumer complaint: This company is calling my personal number to try and reach someone else at the same address for collection purposes. I spoke with XXXX at XXXX XXXX XXXX about XXXX Pacific. The person they are trying to reach does not have my number. This is a hunting addition on their part. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have repeatedly notified Experian that they are sharing my credit report without my permission. They refuse to remove the unauthorized inquiries. XXXX XXXX Date of request XXXX/XXXX/2015, XXXX XXXX Date of request XXXX/XXXX/2015, & XXXX XXXX XXXX Date of request XXXX/XXXX/2015 are all unauthorized inquiries. Finally, they continue to report erroneous data that I have an account with XXXX XXXX that was late and a charge off with the XXXX. These are not my accounts. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There is an account on my credit report listed as Federal Bond and Collection stating it was opened in XXXX 2015 in the amount of {$2500.00} but the current balance owed is {$4600.00}. This is a fraudulent collection as I did not open any accounts or loans around that time and in those amounts. There needs to be documentation produced to prove this collection is valid and belongs to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian does not look at any of the documentation I submit. They refuse to acknowledge previous CFPB investigations and will not process any of my disputes. I have tried numerous times to submit information, but because they did not look at the information the first time, I am no longer able to dispute anything. I am completely left in the dark as far as the investigations go. They give me no information. As soon as I submit a dispute, it is instantly ( within 1 minute ) resolved and closed! They never look at any of the information or even request data from the creditor. They just mark it resolved instantly and nothing happens and nobody looks at the files I attach. There dispute system is not compliant with the FCRA and they should be penalized for there blatant disregard to legally allowed disputes under the FCRA. They make it impossible to file a dispute. I have attached XXXX example of them being involved in a CFPB investigation but not doing anything and not doing what they said they would do. They refuse to look at information I have relating to companies fraudulently removing payment information to keep bad data on my report for longer than 7 years from date of first major delinquency. They do not remove items when they are supposed to fall off and you can not dispute them to get them to remove them when they are no longer able to be legally reported. They need to be fined for violating the FCRA for not processing disputes legally and fraudulently claiming they did everything required by law in under a minute. This is the only company that you can only submit XXXX dispute per account over the lifetime it is on your report regardless of the reason for dispute. They say you can, but there is no way to do it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid off a small XXXX mortgage with US Bank on XXXX XXXX, XXXX. I started calling two weeks later asking about the release of lien. I 've been given the run around since. They made excuses about delays because of the holidays. Then they admitted that they had n't filed the paperwork and would do so immediately. This was in XX/XX/XXXX. I followed up in XX/XX/XXXX. At this time, they used the holidays again as an excuse for the delay. Then they said that they had filed the paperwork with my local county clerk. I called the clerk and they had never received any paperwork. Back to the bank. Then the bank said that they could n't resend the paperwork and if it got lost in the mail or lost at the clerk 's office it was n't there fault and there was nothing they could do. They refused to email or fax the paperwork. This was coming from a mortgage supervisor. When I asked for her name, she hung up on me. I then reached out to an upper management officer, in a different department, and she tried to help and gave me another phone number to contact. More time passed. She got a number for me and when I called they admitted that the paperwork had never been filed but would n't tell me why. They promised to overnight it. This was on XXXX/XXXX/XXXX. They did not overnight it. I kept contacting the clerks office, nothing. I contacted a lawyer on XXXX/XXXX/XXXX and he was going to write a letter to the bank. I confirmed one last time with the clerks office and they had received the paperwork on XX/XX/XXXX and they had processed the release. As of XXXX/XXXX/XXXX, I still have n't received any paperwork showing that the lien has been released. I 'm trying to sell my home and buy another. When my credit was ran on XXXX/XXXX/XXXX, the mortgage balance was still there, even though US Bank has had my money since the beginning of XXXX, XXXX. Even without releasing the lien, they had their money and should have reported it to the credit bureaus. On the same day I paid off US Bank, I paid off a loan at XXXX XXXX XXXX XXXX XXXX, which is now under XXXX XXXX XXXX. When my credit was ran on XXXX/XXXX/XXXX, guess what, that loan is showing on my credit too. All of a sudden, I have too much debt and guess who has a higher interest rate on their new loan. I 'm totally frustrated. I 've been lied to, hung up on, treated with total disrespect and I 'm still paying for their inability to properly do their jobs by having a higher interest rate on my new loan. US Bank even had the nerve to offer to help with a new loan. Do n't think so. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife recently passed away and she had a CD at Bank of America in her name only. I have gone to the state probate court and received a ruling that granting me, the surviving spouse, ownership of the CD. I have submitted a copy of this ruling and a notarized form to Bank of America 's Estate Unit in order to gain ownership of the CD, yet the Estate Unit continues to delay releasing this account to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Macy 's Credit card. I made a payment in full including the interest assessed on the balance on XXXX XXXX Macy 's charged an interest fee on XXXX XXXX XXXX XXXX and XXXX XXXX without any balance on the account, there was a charge in less than 30 days of additional XXXX $ on a previous XXXX $ interest- 100 % interest rate? Customer service has refunded the {$4.00} but ca n't give an explanation about how the recurring interest charge on XXXX balance is valid or reassurance that this will not happen again. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed these accounts ( dismissed chapter XXXX BK XXXX and XXXX ) and was deleted from XXXX the other bureau, but I have not good resulted with Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: Started XXXX/XXXX/2016 at XXXX XXXX ( my caller ID on my phone showed that it was a XXXX NC call ) It was pre-recorded message on a man talking very loudly about 'settling your debt now. ' My mom answered the phone as I was n't home. I tried calling the number back, I heard what sounded like bongos being played and obviously someone picked up because I heard a wicked/evil type laugh, then I was hung up on. XXXX/XXXX/2016 at XXXX XXXX, I get a call, the same number and same caller ID information as from the last call-the man was caucasian and very loud on a prerecorded message saying 'this is your final opportunity to settle your debt at XXXX % off, press 1 now to speak to a representative. ' I pressed one, another recorded voice said to press 1 again, so I ended up pressing 11 ( I wanted to see for myself what kind of company or who they were trying to get ahold of, etc ) and it rang and then hung up. The strange/scary thing is, I DO NOT have any debt and no collection agency is after me. 

Company response: Company believes complaint is the result of an isolated error