AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I redeemed my credit card points XXXX of them and the agreement was that I was to receive full value for the points {$55.00}. The organization after the fact closed my account and is preventing me from receiving full value for the points that I have earned by using my credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an US Bank issued XXXX XXXX XXXX that gives a renewal bonus of free night certificate ( XXXX ) valid for US redemption after spending {$10000.00} and paying the credit card annual fee. The XXXX was supposed to be issued within 6 to 8 weeks of meeting both requirements. I met the requirements in mid XXXX and I should have been issued the XXXX in late XXXX/ early XXXX. I have been contacting both US Bank and XXXX XXXX numerous times since late XXXX both by emailing and calling. They blamed each other for the delay and each told me to contact the other party as they are not responsible. After doing some research, I found out US Bank is ultimately responsible for the delay. 
After weeks of back and forth, I finally got a hold of an US Bank supervisor who verified my meeting the requirements and promised to " escalate '' this case with the rewards department. I was told that I will receive the XXXX within 10 days. That was a month ago. The supervisor even said that she 'll follow thru to ensure the XXXX will be received by me in a timely manner after I told her that I need to make a reservation for XXXX. US Bank failed me on many fronts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to Macy 's to make a purchase. They offered me 10 % if I apply for a credit card. So I did and I charged XXXX purchases totaling just over {$100.00}. I waited about two months and I still had not received a bill, so I went to Macy 's to put the charge on a debit card. By then they had added about {$35.00} worth of fees. I paid it all but I was so angry that I called and cancelled the card. I 'll be darned, if they did n't send me another bill for two months. How can they start charging interest before they even start sending bills? This is predatory. I essentially paid 40 % for a 10 % discount. This should not be legal. 

Company response: Company chooses not to provide a public response
Consumer complaint: Representative of " FMS Financial '' contacted me at approximately XXXX via my work phone and cell phone. Representative " XXXX XXXX '' ( I beleive was his name ) was extremely agressive and hostile, yelling and screaming and would not allow me to ask questions or otherwise speak. He was also " huffing and puffing '' in anger during the call. Before I could request that his company only contact me in writing, XXXX XXXX slammed the phone down threatening to sue. The number he called from was XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I filed bankruptcy in XXXX XXXX. The bankruptcy was discharged in XXXX XXXX. A Wells Fargo credit card was included in the bankruptcy. Wells Fargo continues to report the balance is owed and payments are delinquent. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by bank of america on XXXX XXXX, 2015 asking me if i spent money at certain places. I told them i havent used that card in awhile. So they gave me the next steps to get my money back. I recieved a letter in the mail stating that they concluded that the charges were authorized. I called them to see exactly how they came to this conclusion because i didnt authorize any charges. They told me that since person who charged the card had my address and the security code from the back that they had the card in their possession. That was not possible because i had the card the whole time. I asked for the information from the company that i supposedly bought the items from. When I called said company a kid answered the phone and seemed very timid when i asked about the company and asked if it was a business. Not wanting to give to much information i hung up and called the bank back to tell them they obviously didnt research the fraudulent charge since I had come to the conclusion in 5 minutes that there wasnt a company by that name. They told me that the case had been closed and i was not getting my money back. I since then have filed a report with the police. This is a state issued card that is for child support. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was behind seven months on my mortgage this year. I paid my past balance completely and I have been up to date for the past 4 months. Wells Fargo late date is the XXXX of the month. I generally pay before the XXXX Wells Fargo starts calling the home and cell phone at least twice a day. starting on the XXXX day of the month. Is this harassment and legal? I have requested them to call if I am beyond their time period but they keep calling before the XXXX on. I have not been late. They are persistent and aggravating. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paid Vendors of all the credit bureau Agency 's have reported negative information without proper verification. I have disputed accounts listed and requested to have the verification/affidavit of the person who has verified as accurate and I have been denied the information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion allows opening of personal web site accounts ( no other rating agencies do ). My ID was hacked from my previous employer. Fraudster then opened Transunion web account with my info and then ordered a credit report for TU promotional rate of {$1.00}. Transunion then recorded these transactions on my credit report. After numerous contacts to Transunion, they refuse to notate these on-line inquiries as fraudulent, they keep saying they do not matter. There seens to be a systemic issue with Transuion - number one - they should not offer persistent web accounts to individuals - since most folks would never open them and it seems like a perfect opening for fraudsters. Number two, they should allow notation on these inquiries that clearly show their fraudulent origin. 

Company response: Company chooses not to provide a public response
Consumer complaint: We sent the email below to Stonegate XXXX/XXXX/15, followed up XXXX/XXXX/15 and never received a response from them. 

If you require any email correspondence proving any of our claims, we are happy to provide them. 


Hello, My wife and I reached out to Stonegate about refinancing our loan around mid XXXX ( the first email we have is from XXXX/XXXX/15 ). We agreed to terms and were told on or before XXXX/XXXX/15 that we would be closing mid XXXX. To be more specific, we were told XXXX/XXXX/15 that " Your appraisal just came in and your file has been forwarded to underwriting. '' Each and every time anything was requested of us, we responded with what was required immediately. After following up a number of times, being shifted around to different representatives, having additional documents requested of us, etc, we were told XXXX/XXXX/15 that " We got extremely busy over the last 5 months which has caused tremendous delays. '' Following that, we had to get another appraisal since it had been so long, send in additional documents, and we finally closed XXXX/XXXX/15. Nearly five months after we were told it would take place. 

During that time, we paid PMI on a loan that we would n't have if it had closed when we were told it would and also paid interest at a rate XXXX of a point higher than we should have been. 

After repeated attempts by Stonegate to renege on the terms we agreed to because it took them so long that the " market had moved '', we did, in fact, receive the loan at those terms. In addition, we were refunded the amount we paid for PMI as a result of Stonegate 's delays. However, we also need to be refunded for the additional interest that we should not have paid during that time period, as the delays were admittedly Stonegate 's fault. 

We will be awaiting your response. 

Thank you 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: every time I make a payment to my credit card there is a several day lag before this debit shows up in my usbank account. the money has been sent to my credit card and is posted- usbank does not even show this as a pending charge for days! it is an obvious ploy to get people to overdraft. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received letter from Collection agency called " Capital Accounts '' and then received a phone call at my workplace. 
I did not receive any letter, bill or any kind of communication from the Dental service provider " XXXX '' since XXXX 2012. The services were rendered in XXXX 2012. I paid over {$1500.00} Cash and rest was supposed to be paid by my insurance. 
According to Capital Accounts I owe them around {$2300.00} According to " XXXX '' I owe them around {$1500.00}. 
Why XXXX XXXX not contacted me ever and I received a sudden letter from collection agency after 45 months. 
I believe that either I do n't owe them anything or XXXX failed to file claim with Insurance Company in timely fashion and now trying to make me pay for their mistake Or there are some kind of fraudulent activities going on somewhere in the pipeline since XXXX Office never contacted me about any Insurance Issue at that time and now 45 months have passed. 
I would appreciate if you can step in and investigate since they are threating to destroy my credit with Credit Bureau. Thanks 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hi Yesterday ( XXXX XXXX 2015 ) I went to XXXX XXXX in XXXX, XXXX to enquire about leasing car. I informed them in advance that my credit score is around XXXX-XXXX but do not have long history so i dont want u to tun the credit check. The manager ( Name XXXX ) confidently told me that this will be only soft check so no impact on my score. Now I see that they did hard check which is absolutely wrong. I asked them multiple to make sure that I dont want this but they said no problem, no need to worry. Same thing happened with when I came to XXXX first time & XXXX XXXX manager gave me wrong information, tried to sell his credit card .... this is really not acceptable. I do pay all bills, rent in time, no defaults and still suffering with this. I hope u will sove my problem. 

Creditor -- XXXX Creditor Contact Details XXXX XXXX, NY XXXX ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I owed money on Citibank/Home Depot card and I settled to pay the Citibank N.A . XXXX -debt collection agency {$1100.00} to settle my account as paid and settled. However, they are reporting to the credit reporting agencies like XXXX that I owe an additional {$1300.00} to be paid at {$25.00} per month. I paid them XXXX as a final payment to settle account with no monthly owed. The company is trying to get me to pay more money and refuses to report a zero balance owed to the credit reporting agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, the house that I am currently staying in is going into foreclosure. The main chunk of this problem began when the member of family, also one staying in this house, did not notify me of any form of delinquent payments. They have been stacking up since XXXX of 2015, and I was not made aware of this until last month. It was also the end of last month when we got up the spare money to pay up the delinquent payments. Though the bank refused to accept the money, telling us that the house is being foreclosed upon. 
The reason they do not want to talk to us is because when our mother died intestate, and had no will. Her death was approximately two years ago, I was told that a lawyer was being talked to for probate. However, I do not know how legitimate these claims of my sister are. 
I would like help to get the house payments current, as it is today on XXXX XXXX, 2015 the amount owed is approximately {$2900.00}. I, have a vested interest in keeping the house, where as XXXX of the XXXX of us siblings do not. The third, my elder sister, does not seem to have a vested interest in keeping the property. I will also be consulting a housing counselor to see what can be done. I will also be writing a letter and sending it via certified mail, after obtaining assistance form a counselor. 
I do n't know if it will have this on a later step, but I do make enough money to pay easily up to {$600.00} a month on the mortgage. If there is anything else that needs to be obtained, I am free to be talked to about this matter. I do also have the FHA number that can be given at any time, if necessary. 

Company response: Company chooses not to provide a public response
Consumer complaint: My account is NOT in collections. I have spoke with the medical center where I received treatment and verified this, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried to get my credit report and it tells me my information does not match what 's on file. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo back dated letter regarding proof of insurance. Letter dated and sent XXXX XXXX ( not received till a week later thru regular mail ), stated to provide proof of insurance before XXXX XXXX or would be force placed and was in fact already force placed prior to any notification ( I had provided all info the day after car was purchased, never notified they needed something else ). Not only was this provided a month before to the dealer, there was no way to comply with their notification AFTER the due date. This was then provided. This has since been provided to them XXXX times which they refuse to confirm receipt of. This was sent by myself XXXX times ( XXXX to dealer, XXXX faxed to thier insurance directly ) ..Three times by my agent directly. Another time from the insurance customer center XXXX # directly to Wells Fargo auto ... ..Then my agent even called and verbally gave the information twice more ... ... .still they claim is outstanding. Insurance dept routes me to customer service who routes me back to insurance ... .so on and so on. They keep charging more and more fees and have reported me late to the credit agencies which is detrimental to my credit rating, even though I have been calling and they know of the disupute and discrepency on their end. Also my actual payment has been auto deducted each month on time, so I have not paid anything late. Each time I get routed to someone else who give me different information, then never appears to notate my account since next time I call is like the first time. This is obviously a scam for additional fees and high insurance that is in cohersion with the auto dealer/lender. They have all my contact info yet claim they are not allowed to leave me a voicemail so that I know they are trying to reach me. Agents are rude and actually lied to me regarding my rights. They claimed that they can not file a complaint & have nothing to do with credit agencies to correct information and until I pay them, customer service will continue to pass me off to collections which will # XXXX not resolve the insurance matter nor address the erronous issues with my credit nor revese fees .... 

Company response: Company chooses not to provide a public response
Consumer complaint: I was advised via credit monitoring notification on XXXX/XXXX/2015 through XXXX that a Collection account was posted to my credit. I immeditly contacted them to find that Amsher Collection Services had reported a debt due to XXXX. I contacted Amsher collection for the XXXX time XXXX/XXXX/2015 to advise them I did not indeed owe XXXX. They instructed me to file a Identity Theft Affidavit and fax it over to them. On XXXX/XXXX/2015 I completed this task and disputed the account with all three credit agencies. On XXXX/XXXX/2015 I followed up and was informed they did receive my fax and would send it back to XXXX. I advised them of my dispute and they stated that it would take it 's course for removal. On XXXX/XXXX/2015 I got notification that the Collection Agency responded to my disputes that it was a valid debt. I on XXXX/XXXX/15 contacted Amsher to ask them as to how and why they did that. They stated they would send me a fraud packet. I re disputed the inaccurate information on my credit file. On XXXX/XXXX/2015 I again got notification the Collection agency responded to the Credit agency that it was a valid debt. I once again called back due to not receiving the fraud packet plus them once again responding to my dispute it was a valid debt and spoke to " XXXX '' the manager and he ensured me he would handle it and send the packet himself and handle the credit agency disputes to reflect accurate information. I have provided XXXX with the require documents as well as fraud dispute form as requested yet this invalid account still appears on all XXXX credit reports. I contacted Asmher Collection XXXX/XXXX/2015 and XXXX informed me she would do a courtesy removal and send a letter stating that. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/2015 my parents whom live in XXXX were contacted by a representative from Zenco. They claimed that i owed money on a debt that i never had and disclosed my whole social security number to my parents. They also said that they will be taking me to court in XXXX XXXX because of this. So i called this number ( XXXX ) and left a message stating not to call my parent phone again and not to call me regarding this alleged debt without sending me the following in the mail. The amount of the debt, the name of the creditor to whom the debt is owed, Proof that you are licensed to collect debts in XXXX, Proof of the last payment made on the account. I received a phone call on XX/XX/2015 at approximately XXXX Eastern Standard time and a gentleman claiming to be from there legal department stated that he could call my parents and whom ever else he wants even if he is told not to. He then said that " fraud '' charges would be filed in XXXX XXXX against me. When i asked him to send me proof of this alleged debt he refused to do so. I asked again and he still refused and said he does n't have to. I got got angry and used profane language and he said something i regards of my mother and that they would be taking my tax return.I then called back at XXXX EST and left a message stating that no more communication between them and anybody else is prohibited and that i will be making a complaint with the FTC. 

Company response: Company chooses not to provide a public response
Consumer complaint: National Recovery Agency insist that I owe {$5700.00} in charges. I am a victim of Identity Theft. I was recently contacted by the United States XXXX XXXX XXXX XXXX informing me that I was a victim of ID theft. They informed me that my information has been compromised. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Fradulent charges were made to my Bank of America credit card. I had numerous phone conversations with individuals ( whose names I have ) assuring me that it would be resolved in my favor. Now I am informed that because I did not contact them in writing, that I am liable for the fradulent charges totaling {$26000.00}. I am XXXX years old and have been with B of Am. for 30 years. The phone conversations assured me that they were looking after my interests. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Dealer Services repossessed my vehicle so that they can resell it to make more profit. On XX/XX/XXXX, I sent Wells Fargo Dealer Services a fax explaining my circumstances for been late on my payments. I also made a post dated payment on that fax for {$1100.00} for XX/XX/XXXX. I called and spoke to the manager handling the account on several occasions to confirm my payment arrangements, yet Wells Fargo Dealer Services decided to repossessed my only vehicle that takes me to work and move my family around on XX/XX/XXXX. Wells Fargo Dealer Services insisted that I pay almost {$8000.00} to receive my vehicle that I only have less than {$5000.00} to pay-off XX/XX/XXXX. I have paid almost 97 % of the loan on my vehicle, and should be paying-off my vehicle in XX/XX/XXXX. 
Even though, I am always late on my payments, yet I paid my outstanding balance and late charges. 
Please assist to have Wells Fargo Dealer Services return my vehicle, I will pay {$2000.00} towards my outstanding balance, and will not be late on my remaining payments of the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage loan servicing company ( LoanCare, a XXXX company ) website, www.myloancare.com has been down for days. 

I am simply attempting to make a a payment. This seems to happen often, usually around the end of the month. When I call the customer assistance phone number, I spend 30-40 minutes on hold, only to be told that website is fine. It is not operational, however, and I can not submit my payment. 

Please help! Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo is refusing to remove data from our credit report. Wells Fargo reported we were late on a mortgage payment after the loan was paid off in full. We were specifically told to make no further payments to Wells Fargo. 
Their action has severely damaged my family 's credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never been more than 30 days late with XXXX! My account is due on the XXXX of each month! They also called and offered me a deferment on XXXX XXXX and the they indicated that it was a promotion that they were running for all customers to skip XXXX XXXX 's payment. The customer service agent did n't put the extension in until XXXX XXXX, which is a mistake on XXXX 's end and not mine! I agreed to the terms and then 45-60 days late shows up on my credit report! I am demanding that this inaccurate information be removed from all of my credit reports and that includes XXXX, Transunion and XXXX! Even the resolution representative at XXXX requested that it be removed, because I have never been 30 days late. This is inaccurate information that must be removed from my credit report. As you see in the attachments is that I should not have a negative mark on my credit report. Under federal law the account has to be 30 days past due the due date to be eligible to be reflected on a credit report! They know that this information is erroneous and inaccurate. I was a few days late on XXXX 's payment and paid on XXXX XXXX, for XXXX, but I have never ever been 30 days late! 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is again Nationwide Bi Weekly Administration, IncThis company debited my bank account for my XXXX House payment and never sent the payment to my lender putting me XXXX house payment behind and owing a late fee. Additionally they debited my bank for my XXXX House payment which is due today, XXXX. My lendor has not received XXXX. The XXXX debits total XXXX I have been unable to reach Nationwide via phone, or email. Have called all XXXX of their phone numbers. Any help in resolving this quickly is most appreciated as I do not have the money to pay my house payments. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company