AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Bank of America adjusted my mortgage payment amount, and failed to notify me of the change. Even though I made the payments on time, because it had adjusted upward, Bank of America applied none of the payments.This caused several late payments to appear on my credit, before I noticed them while checking my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: It appears Citibank is still up to it 's old dirty collection tricks. I used my Best buy credit card used issued by Citibank to make a purchase on XX/XX/XXXX the same day I was supposed to go on an XXXX trip. I discovered the same day that my SIM card would not fit the phone so I went to the trip without the phone. I came back to the US on XX/XX/XXXX and immediately returned the phone and placed an online order for the phone I truly wanted. The phone was shipped out on XX/XX/XXXX and I received on XX/XX/XXXX. In the meantime, Citibank had sent me a billing statement on XX/XX/XXXX for a bill due on XX/XX/XXXX. Since the phone was returned on XX/XX/XXXX, I did not owe them anything for XX/XX/XXXX. The next bill was generated on XX/XX/XXXX with a due date of XX/XX/XXXX. I have been getting phone calls morning, afternoon claiming my account was past due. I was told by the agent that the late fee they so loved to charge would be removed and he apologized the first time I spoke with someone but i keep getting calls as early XXXX and as late as XXXX. This company is terrible. You need to do something about them. While I do realize you have no real power I am lodging my formal compliant once again. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In 2012 I took out a payday loan of around {$1000.00} from the " XXXX XXXX '' in XXXX, Illinois while working in a part-time sales position. A couple weeks after taking out the loan, I lost my job. I secured the loan with a personal check which was processed repeatedly to the point I had to close my account because I did n't have the money. After a couple of years, I began receiving repeated phone calls from a collection agency that would n't identify themselves threatening that a summons was going to be served on me for the debt and that if I did n't pay, I and my family members would be arrested for check fraud. I was cussed at repeatedly and called at all times of the day and even at night and the company refused to provide anything in writing. After a while and blocking multiple XXXX numbers on my phone, the calls stopped. Now, another couple years later, the calls have started again from multiple companies in regards to this loan. My XXXX XXXX XXXX grandparents are receiving repeated phone calls and vague voicemails telling them that I have violated XXXX and that the case will be forwarded on for legal action and that I am required to respond within 24 hours. I have never received anything in writing from any of these companies, but they are calling me at work and if I do n't answer, they keep calling. I 'm beginning to get scared as to what else they are going to try and that I ca n't stop them from doing so. The previous agency from two years ago threatened to have my mother arrested. Also, the most recent phone call I received, I had to ask if the phone call was being recorded and the guy on the phone would n't tell me and just kept yelling at me if I have a habit of not paying on loans that I take out. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citi Bank Disputes XXXX, 2016 XXXX/mc Card # XXXX For {$190.00} charge from XXXX ( Time share Presentation ) Hotel Reservation. 
Made for XXXX XXXX. After the charge was made we were told of restrictions. 
XXXX XXXX never sent any email or other confirmation, a receipt nor say what their cancellation policy was. The Reservation was changed to XXXX XXXX. 

Their Unsigned letter dated XXXX 2016 from XXXX XXXX was never sent to us nor received. 

The reservation was canceled on XXXX, XXXX the reservation was canceled. 
XXXX XXXX was very rude and unprofessional over the phone and never sent us any documentation via email or otherwise as to their policies before or after the verbal purchase. 








XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Trans union is charging me XXXX dollar every month buy their services are do weak Over the phone. They do n't protect the members customer service which is in XXXX doest know what is credit score is or how they can assists me. Previously deleted items after investigation that they does belong to me were inserted after several months latter. They have mislead me and became bias which is FCRA violation. 

Company response: Company chooses not to provide a public response
Consumer complaint: collection attempts were made by a out of state debt collector who failed to provide verification of debt to me Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) by the following company XXXX XXXX XXXX, XXXX ATTORNEYS AT LAW XXXX, MN XXXX validation request sent via USPS certified XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 after failing to prove the debt they transferred the account to there sister company RAUSCH , STURM , ISRAEL , ENERSON & HORNIK, LLC XXXX, MI XXXX FOR FURTHER HARASSMENT OF LEGAL ACTION TRYING TO FORCE ME TO PAY THERE FIRM TO WHICH I DO NOT OWE ANY OF THE ABOVE FIRMS I HAVE NEVER ENTERED INTO CONTRACT WITH. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, My issue with this credit card company is that i lost my credit card and I call customer services to speak to a representative who can help me and provide me my account number since I 'm trying to pay my total balance through a loan that i recieve and after they verify all my information they will not give me my account number, I went online were i have a user name and password to view my account, pay bills, etcs and not even in there i can get my account number, all other campanies can provide you with you account number after verifying that you are the account holder, but this VERVE credit card is very shady. 
I need my account number in order to apy my balance through a 3rd party. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have sent XXXX a request to investigate some accounts from my credit file and they are not responding. 

Company response: Company chooses not to provide a public response
Consumer complaint: This person keeps harassing me, my husband who took the loan and my family and friends. First of all, my family and friends have no need to know about our personal and financial manners. 
Today I received yet another call telling me they would take legal action if I did n't make a payment, unfortunately, my husband is unemployed and I sometimes not able to put food in the table by just my income for a family of XXXX. She continued that my husband must receive income and that I was lying and just continued that she knew where I lived, where I worked, who my family was and was going to legal action and garnish as much wages from my income. When I told her I had already submitted a report regarding this company and would submit another one she hung up. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Hello, I am a victim of identity theft since XXXX 2015 and I have filed a police report for that submitting all evidences to the authorities. I have called in all my creditors and service providers including Macy 's department stores credit card to complain about fraud purchases on my account. No progress what so ever happened internally and yesterday I have received a notice from my credit monitoring service that my credit score went down XXXX points in one shot! Checking my report to see the cause, I found it is Macys credit card who submitted late payment on my account and allowed fraud purchases on my account to increase up to {$3900.00} out of the {$4000.00} credit line. 

I have called in Macy 's credit card more than 15 times and spend at least 50 hours on the phone with them trying to resolve my issue but in vain! 

I have a copy from my credit report agency and I am looking for CFPB to help my fixing the negative data on my credit score and close the Macys account forever Macys policy allows anyone to buy items on any persons account with no validation and without the need to have the card in hand! 

I am looking forward to your support Thank you, XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Advertised with : NO FOREIGN TRANSACTION FEES XXXX On XXXX we were charged {$50.00} foreign transaction fee. 

The card is advertised with no foreign transaction fee. Card ending in XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Notice of error : Moving for Foreclosure Sale ; Violation of Civil Rights I am writing to notify Consumer Financial Protection Bureau that Wells Fargo is violating the Servicer guidelines. I submitted a complete application with XXXX XXXX XXXX on XXXX XXXX, XXXX. XXXX XXXX XXXX is offering a solution to save my family home by purchasing our property from Wells Fargo in a short sale and selling it back to me. In this way, XXXX passes along the savings and gives me a mortgage I can afford. I learned yesterday from Wells Fargo that my application was denied through XXXX. The Wells Fargo representative told me in a telephone conversation that my application was denied because the sheriff sale is scheduled for XXXX XXXX, XXXX. I have not received any written notification from Wells Fargo. This is an obstructionist act. Wells Fargo is the entity that controls the sheriff sale process. Wells Fargo could easily adjourn the sale ( which is first date ) and provide us with time to process our application. Wells Fargo is violating the CFPB guidelines by refusing to evaluate my application filed in coordination with XXXX XXXX XXXX. 
I believe Wells Fargo is discriminating against me because I am XXXX and live in a community of XXXX. My home is in XXXX, NJ which has been destroyed by Wells Fargo and other predatory lenders. There are no property sales in XXXX. It has a XXXX property sale rate. That means that if Wells Fargo does not give the opportunity to purchase my home back from XXXX XXXX XXXX, my family home will be vacant and my family of XXXX will be homeless. 
Please urge Wells Fargo to adjourn the XXXX XXXX, XXXX sheriff sale and provide time for XXXX XXXX XXXX to negotiate the purchase of my home. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been wrongfully denied a mortgage relief modification under HAMP by Bank of America on at least 2 occasions both in XX/XX/XXXX. The reason they stated for denial is because alleged Investor Owner to my mortgage is XXXX XXXX by way of a merger with XXXX Bank who allegedly received an assignment of the Deed of Trust in XXXX. Apparently XXXX XXXX DOES NOT participate in HAMP and thus BOA can not offer or grant my modification. My research on the XXXX online system shows that the mortgage is owned by XXXX not XXXX XXXX who received an assignment fraudulently executed by a person named XXXX XXXX who falsely claimed to be an employee of XXXX as a Assistant Secretary when in fact she is actually an employee of Bank of America in XXXX, XXXX. XXXX never held or possessed the legal capacity to sign the assignment that was recorded against my property. This assignment is based on FRAUD and False Statements. BOA is standing by its decision to deny my mortgage relief modification because XXXX XXXX does not allow it which is against HBOR in XXXX. 
Now they have a pending foreclosure sale date on XXXX XXXX, XXXX in an attempt to steal my family home. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My credit card charged me interest but according to the statement I should not have paid interest. See below : Per my statement below is how the interest should be charged : Avoiding Interest on Purchases ( Grace Period ) : If you have both Purchase balances with an APR greater than 0 % and you also have other promotional balances on your Account, you can avoid paying interest on your Purchases by paying {$4700.00} ( this amount includes any Minimum Payment Due required to avoid a late fee ). Please refer to the " Accrual of Interest and How to Avoid Paying Interest on Purchases '' paragraph on the back of this Statement for further detail. 
Per the back of my statement as reference above : B. If you have Purchase balances with an APR that is greater than 0 %, and you also have other types of promotional balances on your account, you still may be able to avoid paying interest on those balances without paying your Statement Balance in full. If this applies to your Account, you will see a Paragraph titled " Avoiding Interest on Purchases ( Grace Period ) '' appearing directly below the Interest Charge Calculation section on the front of this Statement. This will show the amount you can pay by the Payment Due Date and still avoid interest charges on your Purchase balances. 

I followed these terms and paid the amount in full by the due date of XXXX/XXXX/15 but they still charged me {$65.00} interest. Their response to my inquiry was that since the balance was for a promotional offer that ended on XXXX/XXXX/15, there is no grace period and interest started accruing on XXXX/XXXX/15. If that is the case it should be clearly identified as due XXXX/XXXX/15 to avoid interest on the statement. The statement is misleading at best and they should not print this on the statement if it is incorrect. Had I known there was no grace period I would have paid by XXXX/XXXX/15. 

Company response: Company chooses not to provide a public response
Consumer complaint: A company called " XXXX XXXX '' or " XXXX XXXX XXXX '' said they are trying to collect on a credit card debt with a bank I do n't recall opening. I have not received any notice of any collections attempt and I am current on all my payments for every debt. They threatened jail time if I did n't resolve the matter. They knew my address and the last XXXX of my social security number so I gave them my credit card number to settle the debt. But I did a XXXX search on " XXXX XXXX '' or " XXXX XXXX XXXX '' and nothing came up, which made me suspect this is a scam. Even the website they gave me does n't work : XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: During recession had to file bankruptcy on home loans with XXXX and XXXX. After year bankruptcy was discharged bank of America sent me paper work claiming they bought my mortgage loan. Due to their fraudulent claim aginst me and apperently others they were involved in a class action lawsuit, of which I received a settlement check. After currently checking my credit report, they still seem to be fraudulently claiming I had a home loan with them, which I never have or will. Wondering how they can lose lawsuit and still say something that 's not or ever was true. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Dear CFPB & Department Stores National Bank : I am writing to inform you of unfair billing and debt collection practices. As a result of these practices, to dispute all interest owed and late charges owed on the account, and corrections of any late reporting. 

Background : Sometime last year, Macy 's changed credit card providers. They sent me a new credit card issued by DEPARTYMENT STORES NATIONAL BANK, pursuant to a license from XXXX XXXX. I started receiving collection calls from " Citi '' in XXXX XXXX, and twice requested statements. The first statement I received was backdated statements from XXXX XXXX though XXXX XXXX, and postmarked XXXX XXXX, XXXX. 

Purchases Made : At the time of the new credit card being issued, I had no purchases on the account. I did make XXXX purchases on the account, both at Macy 's ( XXXX XXXX and XXXX XXXX ). 

E-SIGN Consent Not Provided : As I did not activate the credit card, it is not apparent that I provided consent to receive electronic statements. Nor have they been able to provide me this electronic consent. They consistently ask me to go into Macy 's account to activate and receive the disclosures. They have stated that they are provided to my email address, however they are not able to disclose the email address that they are provided to. I have not received any electronic disclosures. 

TILA Billing Statement Not Received Timely : A billing statement was not received, either electronically or in paper format. I requested these statements twice in XXXX, and received by me on XXXX XXXX, XXXX. Without the billing statement, I was not able to pay or dispute any amount owed. 

Fair Debt Collection Action - Unfair Collection Practices : A company started calling on behalf of Macy 's beginning in XXXX XXXX. I spoke to them in early XXXX, and in XXXX. Both times I requested a copy of the statements. They introduced themselves as " Macy 's '', " your XXXX XXXX XXXX '' or " Citi ''. The phone number they call from varies, and they call at all hours and multiple times a day. They call as early as XXXX PST and as late as XXXX PST, 7 days a week, up to five times daily. I repeatedly ask for a copy of the statement. 

My credit score as of XXXX XXXX was XXXX. I work hard at paying my balances in full monthly, or more than the amount required. As a result of no billing statement being received, no apparent E-Sign Consent provided, and unfair collection practices, I am requesting the following : Remove all interest and late charges from the account. 
Remove any delinquent reporting with the credit reporting bureaus in accordance with the requirements of the Fair Credit Reporting Act. 
Close my Macy 's account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: When The President came out with the HARP program I called my bank to find out about to much time has elapsed and we need to start all over again. I also want to add that we the program. The bank told me that the program was not out yet. I asked them again XXXX years later to be told that I did n't qualify for the program. I was not asked for any financial information or to fill any paper work when I was told that. Right after that I was told that my XXXX and XXXX mortgage was in collections. We have never been late or missed a payment. After I complained about the mortgage going into collection they allowed me to file for a modification. I sent several pieces of information to them and after not hearing anything I called them. They told me my modification was closed because they never received the information they requested. I then advised them that I went to my local Bank of America and had them fax over the papers. I gave them the time and date it was sent then They said I was missing some of the paper work requested. No one ever called to advise us anything was missing or that they needed any additional information. This happen several times. They wait so long to get back to us with anything. When I hear from them again that are senior citizen with a lot of medical expenses they we did not have before. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, I was forced into a position where I needed a loan from XXXX to make a deposit on a place to live. In XX/XX/XXXX, I lossed my job and could no longer make payments toward this loan. At this time, I had already paid back the loan amount, but was still being charged interest. My loan was charged off in XX/XX/XXXX. Collection efforts stopped and I was informed that my loan was null and void since XXXX was being sued for illegal online loan servicing. This loan was also removed from my credit report. 

On XX/XX/XXXX, I was notified by my Financial Institution that a levy had been placed on my bank accounts. I contacted the firm listed on the levy and was told that they were attempting to collect for this XXXX XXXX loan. I was NEVER notified in any way that an attempt to collect the debt was still in place. I DID NOT receive a summons to appear in court and lost the right to defend myself. 

The law firm listed on this levy is GCFS , Inc . I contacted a lawyer who advised me to review the court documents on my case. I found that a judgement had been passed on me in XX/XX/XXXX. I also discovered that the Proof of Service of Summons included false and inaccurate information. The servicer lied and stated that I was served by personal service at my former employer AFTER I had lost my job. I have since filed a request for dismissal with the court for this judgement against me. 

Additionally, the loan was charged off in XX/XX/XXXX and the Statute of Limitations to collect on this debt has expired. 

I have also filed a Claim of Exemption for the bank levy since the deposit accounts held are my only source of income and neccessary for my basic needs. 

This law firm has no legal right to collect this debt and filed false court documents to get a judgement that I was never even aware of. 

Company response: Company believes it acted appropriately as authorized by contract or law