AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: been disputing fraudulant charges that were made on a macy 's acct i used to have. I 've contacted macys numerous times to report this. i filled out the required fraud information they finally sent me and i received a letter about a week later stating they investigated my claim and confirmed that the acct belongs to me and if i have any further questions to contact them at XXXX. I called them and was transferred 3 times before I was connected to a collection agency. I was also provided the number. XXXX. I was transferred and the person who answered the phone it was his home number. He advised me he keeps getting calls from people but it is his home number. I went over the number with him that I was provided and the gentlemen confirmed that is indeed his home number for 16 years. I am getting the run around from macy 's and now this acct is in collection. I made XXXX purchase with them back in 2014. When I noticed this on my credit reports I immediately attempted to contact them but they keep pushing me around and this is affecting my credit. I am furious with macy 's at this point and next I am going to obtain legal advise if this issue is not resolved. My time put into this is ridicilous and giving me someone 's home number saying that 's the number to the collection agency? Ridicilous 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is from Cheveron Visa. I do n't owe them anything. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Called Bloomingdales Credit Card on XXXX XXXX to start a claim for XXXX fraudulent charges that were made from XXXX XXXX totaling XXXX {$1200.00}. It took Bloomingdales two months to mail a Statement of Fraud for me to sign and return. I mailed the signed Statement of Fraud to Bloomingdales which was received on XXXX XXXX per USPS tracking. It is now XXXX XXXX, approximately 4 months since the claim was opened, and there has been no communication by Bloomingdales to me. I have called numerous times for updates. Only response I have been given is to continue to call back. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I discovered a series of fraudulent charges on XXXX credit cards ( all were department store cards ) totaling close to {$5500.00}. As soon as I learned of the fraudulent charges I contacted all XXXX department store card issuers which includes Macy 's. XXXX of the XXXX credit card issuers immediately provided provisional credit and resolved the issue within 10 days. It has now been over 100 days and Macy 's still has not credited my account or provided any updates on the resolution of this matter. As stated earlier, I contacted Macy 's on XXXX XXXX to inform them of this error. At the time, they stated I would receive a statement of fraud in them with 5-7 days. After 10 days, I had to contact them again to check on the status of the statement of fraud as I had not received. It took another 7 days to receive and I returned via mail ( as requested ). On XXXX XXXX, I contacted the Macy 's Fraud Department to check on the status on my claim. At this time, I was told that they did not receive the statement of fraud ( or could not locate ) and I was asked to fax the statement of fraud. As requested, I faxed the statement of fraud directly to them and was told that it would take 30-90 days to resolve. Keep in mind, that I originally mailed the statement of fraud in XXXX. I asked for confirmation of receipt of the statement but no one contacted me as I requested. On XXXX XXXX, I called again and to request a status and was told that it was it their system but there was no current status to provide. I was only told that it would be taken care of and not to worry. I was also told not to pay anything over the original amount that did belong to me which was a very small amount as my fraud claim would be rejected if I paid any of the fraudulent charges. I have continued to make minimum payments, as instructed, but I am now at the point where the minimum payment is more than what I owe. I called back again on XXXX XXXX, still no update. I am only told to continue to make minimum payments or I will be assessed a late charge - contradicting the previous communication that I received to not make payments towards the fraudulent charges. I am extremely frustrated by the lack of urgency or action on the part of the Macy 's Fraud Department. 

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 received telephone call from a debt collector representing the office of attorney XXXX XXXX XXXX. The representative offered a settlement for a past XXXX debt. We agreed to a payoff of {$380.00}. I paid and a manager indicated the amount agreed would reflect on my credit report. My credit report shows the debt paid however not the {$380.00} agreed. 

Please see the attachment from XXXX XXXX XXXX 's office. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, persons unknown to me used my personal information to get store credit cards and charge merchandise. I have been trying since then to get Macy 's Fraud Investigation department to complete the investigation. ( The six month delay in clearing my name is a separate issue ). In the meanwhile, they sold the debt to Citibank collections XXXX XXXX ) which robo-calls my cell phone at least five times a day. I have told the Fraud Department multiple times and they promise to stop the calls, but they continue. I have complained to the bill collectors and they say that they have n't been told to stop calling me by Macy 's. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a questions.Last year I received noticed about the {$700.00} XXXX in Consumer Relief for Illegal Credit Card Practices class action lawsuit that was filed again citibank. 

IN the letter I was told I was affected and that I did not have to do anything in order to receive compensation. 

SO far I have not received any compensation and was wondering if I need to actually file a complaint with a lawyer or not? 
I had owned there credit card protection service for many years and have paid thousands for the service. 

Can you please advise as to what I need to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company, Premier Portfolio Group, has been calling my cell phone and now my work phone for months! They leave a recording saying that I passed a bad check with my name and SSN on it. That absolutely did not happen, I have nearly perfect credit and pay all my bills through my bank so this makes no sense. I have already reported them to the FTC and to my work, both advised me to ignore it but it 's driving me insane! They are obviously scammers and need to be shut down. The internet is full of similar reports about this company. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Bank of America shared my financial information with Debt Services companies who within a matter of days sent me letters stating : " we are aware of your current financial situation. '' and offering to restructure my credit card debt. I had contacted Bank of America seeking a reduction of the high APR that kicked in once a 0 % balance transfer offer had expired. 

Company response: Company chooses not to provide a public response
Consumer complaint: Mariner Finance garnished my wages without properly notifying me. XXXX XXXX XXXX and XXXX XXXX XXXX located in XXXX notified me that a Garnishment was placed on my account XXXX XXXX, 2016. I did not receive anything in writing stating they were attempting a Garnishment. I feel this is very unfair and unjust. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a phone message from a Guy named XXXX at XXXX ext XXXX. They only thing he said is that he had information on where I worked and to give him a call. When I called to speak to him today in regards to what it was for, he did not verify any information with me. He could n't verify it by caller ID because I called from my place of employment. He only asked me for my name and that was it. He did not mini Miranda me and did not tell me that it was an attempt to collect a debt. He then disclosed my ex-husband name to me, the name of the original creditor, and the amount that was owed. He did not verify by ssn, address, dob, phone number nothing that it was truly me he was talking to. It could have been anybody calling in stating my name and he just disclosed all that information to me without truly knowing who I was. I offered {$50.00} per month until my wages that are currently being garnished is paid off then I could start paying more. XXXX refused to try to work with me and made the comment that this conversation was going nowhere and hung up on me. Did n't give me an opportunity to try to offer a different amount or anything. After he hung up on me, he immediately turned my file over to the legal department so then when I called to talk to his supervisor, he was n't willing to work with me either. It really disturbs me that XXXX disclosed that much information to me without verifying who I was and hung up on me before I could try to get something worked out. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I signed for a car loan for XXXX XXXX, he has had car since purchase date of XXXX 2015. He has not made payments and I filed a suit in court to get car returned to me. He returned car to me at court on XXXX XXXX payment was 3 months behind. I paid on XXXX XXXX and on XXXX XXXX. As of today payments are caught up with exception of XXXX XXXX payment ( ten days past due ). I plan to pay this in the next couple weeks and try to sell the car. I explained this to XXXX XXXX at Wells Fargo extension XXXX several times. She keeps calling to have me set up a date to have it automatically taken out of my account, I have told her several times I do NOT want to do that, that I have made two payments this month and plan to get it caught up. She will not take no for an answer, she called me today at work, I told her I cant receive calls at work, she said well you answered did n't you, and she kept trying to keep me on the phone to set up a bill pay date to take it out of my account, I said no, she said why wont you do it? She is a very rude person who keeps calling me, even after payments have been made. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I resently had to pay some unnexpe ted legal fees over {$6000.00} i had to miss two payments with i made a small payment one week witch i started tp make small payments so i would not get behind, finally i started getting back on track, my accountant tried to make a payment off {$100.00} they told her that the could not accept a payment of that low amout and that i would personally had to call them, their offices are closed early evening, i got up extra early to contact them oddly enough a tow truck was in front of my house talking my car at XXXX XXXX taking my car, without any notice from them regarding that they would take those acctions. witch was also the day i get paid and was going to make a payment to stay current. it only reason my vehicle was repossessed was because i {$86.00} dollars. Witch they purpoIely they not accepted the XXXX dollar payment that would have taken care of that. And when i called them they told me that nothing could be done unless i paid the late fees, the repossession fees and retaking fees of XXXX plus the two late payments and the XXXX dollars plus the towing fees witch comes to a total of XXXX in 3 weeka 

Company response: Company chooses not to provide a public response
Consumer complaint: in 2006 my wife had XXXX and the final bill was XXXX dollars which insurance paid XXXX and I paid XXXX, some how a small bill for XXXX was overlooked and sent to XXXX XXXX in XXXX XXXX, SD which I paid right away and XXXX XXXX said they would recall the debt, well it never happened and 10 years later it is still showing as a paid collection account effecting my credit score and interest rates when I am applying for loans, each financial institution mentions it every time and that it effects my score by XXXX points, I have gone to long lengths with XXXX and XXXX to get this removed and they XXXX play the dumb role and say there is nothing they can do, believe me it is driving me crazy, I need this removed from Transunion XXXX, I have never miss a payment and I am proud of it, can you please help me out. I am sick of having these businesses push the consumer around and not correct a simple mistake like this. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX I acquired an unsecured loan from Citibank AKA CBNA Due to unforeseen reasons I was unable to pay on the loan, In XXXX Citibank opted to and wrote off the debt and sent me a XXXX cancellation of debt for the amount of XXXX I reported that year as income and paid taxes on that amount. 
Started early in XXXX. several of us have been asking Citibank to report the account as Written off and zero Balance and for more than 8 months Citi have refused to do so, I have made over XXXX calls each call lasting 20 to 60 minutes each, I been given XXXX different fax # 's to forward information and I never spoke to the same person twice and each person would give me different and wrong information. 

Our most recent request is very simple, that they remove the dispute comment at all XXXX credit reporting agencies, and they are refusing to do so I am at the 12 hour with a mortgage to close on my home and this is my only detail that is holding the closing XXXX guidelines are, that no disputes can be on my credit report, Citibank refusal to first report correctly and at minimum remove the dispute comment is holding us hostage We need immediate action brought against Citibank to do what is right and report to the XXXX credit Bureau the correct information within 24 to 48 hours 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent in a police report, Identity Theft Report and proof of my identity, name, address, and Social Security number. Explained which information on my report came from identity theft. And instead of blocking the items, they put them in dispute. When I called in a lady in their fraud department said it is up to the creditors to remove the data, not Transunion which is not true at all!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I printed our credit report, and there was a judgement on the report from 2011. We paid this years ago, after going to the State and getting a print off of Satisfaction of Lien, we then went to the XXXX XXXX XXXX court, who explained we would have to submit a complaint to each reporting bureau. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: For at least a year or longer, Macy 's has messed up the accounting on my credit card, which I 've had for well over a decade. I just tried several times to reach it at a so-called customer service number ( XXXX ). It is impossible to reach anyone there, as there are numerous phone loop recordings at that number. Among other things, Macy 's lowered my credit limit, allegedly because XXXX provided it with a false credit report. It should have gotten a ( partially ) corrected copy of it by now, as I asked XXXX several times to provide one. However, throughout the last year, Macy 's continued with numerous, habitual errors, even after I called several times to correct it and was told that it was corrected. For example, it habitually mailed checks for balances on my account, then treated my account as though I cashed the check with the credit balance when I did not. I would call Macy 's about this, with little to no avail. Macy 's continued to show less on my account even when I had overpaid it and had a balance on it, with the difference explained by a lost or uncashed check, often one that I 'd told Macy 's about. Then when it received no additional payment, it charged me phony late fees. I would call to have that corrected and often was told that it would be when it was not. One example appears to be a {$2.00} charge from XXXX XXXX, 2015 that I should not have. Add to these problems ( of claiming that uncashed checks eliminated credit balances, then using that to charge illicit fees ), as is the case today, no one can be reached at the numbers printed on bills, so there is no way to verify even the false balances Macy 's has been attributing to me throughout the last year or longer. As I write, I just heard a recorded voice tell me that my balance was {$73.00} and change, but I have little idea of what explains it, since I have not gotten a bill and can not reach anyone at their so-called customer service center. I have not gotten a bill from Macy 's in months and can not reach anyone there to discuss this and other problems. I should not have to roll dice to decide what to pay Macy 's, if anything, but that is what I am having to do. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have contacted XXXX XXXX XXXX several times and they say they have no record of my account but it continues to be listed on my report. XXXX time I called and they said it was my husband 's account but it is not listed on his credit report. They do n't know how to remove it. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt is from XXXX XXXX and does not belong to me. This debt has previously been deleted from my credit report from another collection agency due to not being my debt. My dissolution of marriage ( MO case number XXXX ) states that my ex wife is now responsible for this debt and not me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Nationwide debt management solutions has been repeatedly calling my job several times a day sometimes not identifying themselves. They have also contacted my brother also not identifying themselves, he said that they were rude and threatened him. I have contacted them once and told them I do not owe the debt they claim I owe and they still repeatedly call my job several times a day. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I am XXXX not XXXX please fix 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I began applying for a loan modification with my mortgagor, Select Portfolio Servicing on XXXX/XXXX/2015. I began submitting the documents they requested. I have submitted a hard ship letter, bank statements, lease agreements for the subject property, lease agreements for other properties I own. Each time I submit a requested document, I get a letter stating that they have received the info they requested and once they receive a complete application along with third party approvals they will send it to underwriting. Once I receive these notices I call, then they request some other document. This process has been going on since XXXX 2015 and now the want something more bank statement detailing the rents I am receiving. I had explained in the hardship letter that I was having trouble collecting rents consistently. They want copies of canceled checks when most of my tenants pay with cash or money orders. I do not take checks because the bounce then the bank charges me a fee plus take the money from my account. They seem as though they do not want to modify my loan. I wonder if they ever give loan modifications to their customers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sams club credit owed me a credit of {$27.00}. I spoke to them around XX/XX/XXXX and they assured me they would credit my account but explained it would take 1-2 billing cycles for the credit to appear. I checked my statements for XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX and still no credit. I called Sams Club Credit today ( XXXX/XXXX/XXXX ) and they researched the situation and determined that the request for credit was submitted on XXXX/XXXX/XXXX but somehow never credited to my account. Given the error, I asked for an immediate credit to my account and initially, they refused indicating that they would reprocess my request today and I would need to wait another 1-2 billing cycles for this new request. I asked to speak with the manager and only after I explained I would be filing a complaint with the CFPB, did the manager assure me he could approve the credit now to appear on my account within 24-48 hours. I still am not confident I will see the credit - but will confirm in the next few days. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Synchrony Bank/Care Credit is committing fraud by listing on my credit report that my account was purchased by a lender. The " lender '' they state they sold it to is XXXX, a.k.a. XXXX XXXX XXXX which is a collection agency who is also committing fraud by listing their account on my credit report as a " retail '' company. They are also trying to list the account to XXXX CA as a charge off and to the other as transferred/sold. They are intentionally reporting inconsistent and inaccurate information to the credit reporting agencies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: To satisfy payment obligations for my Lowes Credit Card I am enrolled in the Merchants ( Lowes ) on line auto pay system. However, it has come to my attention that the Lowes system does not debit my account according to the billing due date. Instead, the system either debits the payment after the grace period or skips the debit process entirely. I made a complaint about this to an account representative late last year and was told the auto pay had a glitch and that I would not be charged any late payments or be reported late to the credit bureaus. Today, I reviewed my account and learned I had been charged a late fee 4 times In the last 12 months due to auto pay failure. I contacted Lowes and requested a credit. I spoke to XXXX representatives who along with their supervisors agreed that all fees should be removed. However, I was disconnected each time during the conversation before the removal of the fees were finalized. Each time I called back I learned their were no notes in the system indicating I would receive a credit. On the third call, I was informed again by a very reluctant representative that I would receive the credits on my next billing cycle. I requested that notes be made in the system to ensure no further confusion should the credit not post. However, given the difficulty that I have had so far, I am doubtful that I will receive the credit as promised. Furthermore, I am concerned about the predatory nature of a credit card company offering an inferior bill pay solution and charging fees to the consumer when the system fails. In my case, my minimum payment was {$25.00} but I was being charged {$27.00} every time Lowes debited my payment late. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response