AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I made a purchase from Macy 's with a Macy 's credit card. They never sent me a billing statement. Instead, several months later, they sent me a collection notice. I contacted customer service, explained I never received ANY billing statements and requested they send me a paper copy. I also sent them a letter ( attached ) noting the difficulties I experienced in actually getting them to send me billing statements. I refused to pay the " late fees '' and interest as I was never afforded an opportunity to pay my bill on time. Now they send me monthly statements with escalating late fees ( now in excess of {$100.00} ) even though I paid the purchase amount in full months ago. 

Company response: Company chooses not to provide a public response
Consumer complaint: Called SPS Portfolio Servicing to make my XXXX mortgage payment on a permanent loan modification and was transferred ( 6 ) times to different representative. Lastly XXXX XXXX, SPS Collections Manager tel : XXXX working hours XXXX -XXXX ( Monday through Thursday ) indicated that the instructions from SPS Attorney, XXXX XXXX was to refuse payment and transfer the call to her office. I have tried at least 6 times to make the payment over the phone. On hold now for 1 hour 45 minutes. I have asked to speak to upper management by XXXX XXXX indicated that he is the manager on duty and can not accept my payment per SPS Attorney, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent my payment to MACY 's via online banking on XXXX XXXX. It was for payment in full. The payment was miss applied to another account, that not only was delinquent, was " charged off '' due to a bankruptcy! I 've asked it to be corrected. Macy 's admits they have my funds, YET they want me to FAX them a copy of my bank statement. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by my father, who lives in Florida, telling me that he was contacted by someone trying to serve me legal documents regarding a summons to court for a lawsuit against me. He informed them that I was unable to be contacted that day and took down their information to pass onto me. While he was giving me their information the company called me on my cell phone regarding the supposed lawsuit against me. I informed the person I had absolutely no clue what this was regarding. ( At this point I started to get very upset and worried since I had no information at all regarding this ). I called the company and they answered the phone as " legal services '' followed by introducing himself as XXXX XXXX with Western Portfolio Assets. I asked them for information regarding this lawsuit and then XXXX informed me they were collecting an old debt from a credit card company providing me with only a day that it was opened. No information regarding who the bank was or what company the card was opened with. He then threatened me that if I did n't take care of this on that day then they would take me to court and started informing me about how I would be responsible for paying all court fees and all of their fees for taking me to court and that they could garnish my wages and garnish all of my taxes. At this point I was downright terrified and panicked. He informed me that if I made a down payment of {$800.00} on that day they would drop the lawsuit and set up a payment plan for the remaining money but only gave me XXXX minutes to come up with the money. Due to my fear I simply complied with getting together the {$800.00} for a down payment. Since then I have received no further documentation from them proving the validity of my debt to them. I have also started doing research regarding the legality of this companies practices in my situation and stopped all further contact with them. Now they are calling me again telling me that they are taking me to court and they are even calling my family members under the name of XXXX telling them that if I do n't call them immediately they are filing a lawsuit against me. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: When attending XXXX I did not know the high interest rates from my private loans. The payments are too high and hard to afford. Current interest rates are 10.25 %. I am submitting this complaint from attending XXXX from XXXX. When attending XXXX we were not told about the interest rates and pressured into the loans. Below is the amount owed to First Associates Loan Servicing, XXXX {$6200.00} $ XXXX is the contact info for First AssociatesPhone : XXXX : XXXX XXXX XXXX XXXX, CA XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On XX/XX/XXXX a civil judgment was placed on my credit reports ( i.e. XXXX, XXXX and Transunion ). The judgment was placed by an unknown entity. The civil judgment was filed with XXXX Superior Court, Docket # XXXX on XX/XX/XXXX. Immediately my property management company, XXXX XXXX XXXX was notified once the derogatory appeared on my credit reports. Management instructed me to speak with their attorney since the rent balance had been paid prior to the judgment filing date. XXXX XXXX XXXX indicated that they would gladly file a judgment dismissal since the rent payment has been paid. Furthermore the law firm indicated that they did not report to the credit bureaus the judgment per XXXX XXXX. Additionally, in speaking with XXXX Superior Court I was informed the same which was this entity did not report to the bureaus. I initiated a credit dispute with all XXXX ( XXXX ) bureaus on XX/XX/XXXX. Followed by additional requests to specifically Transunion on the following dates due to no removal or any communications regarding these requests : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. With the XX/XX/XXXX requests and XX/XX/XXXX request a copy of the Release of Judgment was provided however to date this removal request has not been honored. Today another request was entered with Transunion and I was instructed to fax the release to XXXX by XXXX, representative. I also inquired if XXXX could see all the prior requests in which he indicated no and instructed me to phone Transunion Interactive Department@XXXX. I have not phoned this department. I feel that there is violation of the FCRA resulting in my submission of this complaint to your entity. 
Thanks so much for your assistance. 
Very best always, XXXX XXXX XXXX @ XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In need of immediate assistance against Bank of America , NA. 

Company response: Company chooses not to provide a public response
Consumer complaint: It started in XX/XX/XXXX when we were having problems making our house payment with New American Funding. Both my husband and I had lost our jobs and were living off Unemployment and XXXX. I contacted New American Funding right away and explained our situation. They recommended a Special Forbearance Agreement, the terms of this agreement are attached. Our payment went from {$1400.00} to {$2100.00}. They told me that it would not affect our credit if we followed the agreement which we did. It has ruined our credit and reflects the original amount owed and does not reflect any payments made. What we really wanted was a loan modification but they said we did not qualify. In XX/XX/XXXX, I was let go of my teaching job therefore it was difficult to make our payments. I contacted New American Funding to explain our situation and they recommended applying for a loan modification. We submitted all the paperwork and it took XXXX months for them to deny us any loan modification. They have lied to us and do not seem to be helping us even though there are many loan modifications that we would qualify for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have a Best Buy credit card. We recently noticed we are being charged a fee each month labeled as " DEBT PROT XXXX. '' This is not something we signed up for or agreed to. We believe this is a predatory lending practice. The fee totals about 1.01 % of our balance each month. We have been charged a total of {$150.00} since XXXX 2015 which is the oldest statement we have access to. 

Company response: Company chooses not to provide a public response
Consumer complaint: My report seems to have several new hard inquiries from XXXX XXXX and XXXX that I never authorized ( and most are from companies I 've never heard of ). Additionally I 've been associated with XXXX new employers as of XXXX XXXX and that is incorrect as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: I believe someone is using my identity. Stolen my credit 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a checking account ( Citigold ) with Citibank online on or about XXXX XXXX, 2015. Due to glitches with their computer system, I was not able to complete the application for several days. The account fee is {$30.00} a month ( first two months of fees are waived ), and I also submitted a code to obtain XXXX Citibank " Thank You Points '' upon completion of qualifying activity ( which consists of paying XXXX bills online for XXXX consecutive months ). ( These points would be worth {$520.00} in airline tickets if I booked through Citibank 's travel website, so there is definite value here. ) Yesterday, I received a rejection in the mail. The letter stated that the reason for the rejection was due to information contained in my XXXX credit report. I immediately pulled up the report, reviewed it, and found nothing to warrant the rejection. My credit score, which I obtained from Citibank itself ( which is a service they provide to holders of the Citi XXXX credit card ) is XXXX ( out of XXXX ). Clearly, it looks like the Citibank rejection was just a ruse, and I believe they acted in bad faith by placing the rejection based on information in a credit report which clearly does not support their claim. 

Company response: Company chooses not to provide a public response
Consumer complaint: I along with my Realtor have been working with Green Tree Sercicing LLC ( " Green Tree '' ). now Ditech Financial LLC effective XXXX XXXX 2015. My house located at XXXX XXXX XXXX has been on the market several months, we requested and was granted permission to conduct a short sale. My Realtor presented seveal offers to Green Tree but they refused each saying they did not provide the level of funds they desired. My Realtor discussed options with me and I decided to pursue the Deed in lui of Sale if the final offer was refused by Green Tree. My Realtor conveyed this to the Green Tree representative, who did her best to support us. We then received word that Green Tree would pursue foreclousure procedings on XXXX XXXX and a decision was needed atleast 30 days prior to allow for the deed in lui of sale to be processed. My Realtor attempted several times to contact Green Tree to advise them of the decision to pursue the dead in lieu of sale but could not contact anyone ; she final got through on XXXX XXXX, XXXX day after XXXX ) and was told it was now to late to request a deed in lieu since it was inside the 30 day window. I spoke with the Green Tree representative and requested they reconsider since attempts were made to contact them prior to XXXX XXXX and they were closed on XXXX XXXX for the holiday. 
It is unreasonable that Green Tree would refuse to accept my request for a Deed in Lui with the rational that it was XXXX date late given the prevailing circumstance. I have made every effort to resolve this mortgage issue, I informed Green Tree that my hands have been tied and mitigation processes were not an option since I have a court order mandating the house been put on the market and any proceeds shared with my former spouse. I continued making payments on the house and maintaned the insurance even though I would not recoup any profits from its sale. I explained to Green Tree it did not make sense to foreclose on the property and they reap pennies on the dollar versus accepting the offers submitted or now the deed in lieu of sale. The Green Tree representative told me her hands were tied and the final decision rest with her leadership. I am sending a letter/email to her leadership asking them to reconsider but also need the foreclousure process to be pushed back to allow time for us to reconsider the options and come to some common level of understanding and agreement on the way forward. 
I am currently vigorously involved in yearend closeout with the United States XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina and have scarce amounts of available time to make personal phone calls regarding this matter. I need the foreclosure proceeding pushed back to allow me and my Realtor to work out reasonable options with the Green Tree/Ditech representatives. 

I can be contacted at XXXX from XXXX to XXXX daily and XXXX in the envenings. 

XXXX XXXX XXXX XXXX, XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Preventing steering, XXXX sever the essential linkbetween the price and sales XXXX by denying merchantsthe opportunity to influence their customers ' payment decisions andthereby shift spending to less expensive cards. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: We were behind several months on our mortgage. While we were working on a repayment plan, another department had started the foreclosure process. In XXXX XXXX we completed a Default Resolution Option to bring our mortgage current. We worked with the bank for a month or so and signed papers by the end of XXXX. When I did not receive any kind of bill or anything, I sent in my first payment in XXXX of XXXX, which they accepted. Then another two months went by and we could not get an answer to why we were not receiving any kind of notification so I sent another check for the agreed upon amount. That was returned back to us. In XXXX we received foreclosure paperwork. We went to the court everytime there was a hearing and even filed against the bank after a year of court dates every 6-8 weeks which they would never show up to. Unfortunately my husband became ill and could not go to court and the case was closed (? ). At the end of XXXX, XXXX we received notice that we could qualify for a Loss Mitigation Foreclosure Alternative. I spoke to US Bank representatives several times to clarify that I was understanding what I would have to do to save my home. They told me there would be three or four months of a high payment of about {$1400.00}, to 'prove ' that I was serious about saving my home, then the mortgage 'should ' drop down to under {$1000.00} per month ( I heard the representative figuring things, looking at approximate interest rates and estimated that the payment would be about {$900.00} ). I made my XXXX payment XXXX XXXX and continued until XXXX. At that time I was set up with the 'regular ' payments which was only {$50.00} less than the initial phase payments. All of a sudden no one knew why I was told that the payment would go down. So my mortgage of {$150000.00} suddenly went to over {$200000.00} because they added fees and interest ( which I do n't believe I was told about at the beginning ). 
Now I have checked out refinancing or seeing if I am eligible for the Hope program but no XXXX will finance over {$150000.00}. My house is worth about {$110000.00}. Today I owe about {$190000.00}. I am now stuck in my home, I ca n't sell it or refinance it because of everything they added to the original loan. I feel they were very deceitful and did n't want my home so they made me belive my house would once again be affordable after the initial 3-4 months. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed credit information for some time. I have now provided you with information on the mortgage company under complaint # XXXX credit bureaus are not conducting an investigation, even though I have provided them with documentation that the information they have is incorrect. 
I have challenged wrong accounts XXXX times. 
They only wait for the company to respond and say the information on the account is correct, and do nothing more. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America has inaccurate information listed as these accounts were short sold and paid as agreed. Please see attached. I am requesting assistance in this matter. I feel they are also coded incorrectly with all XXXX credit agencies from BOA data 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America - MortgageRefuses to provide " release of lien '' - XXXX years after mortgage paid off. 
I can not sell my house - was due to close XXXX/XXXX/XXXX. 

Bank Employees in call center refuse to provide contact person or phone number to help resolve. XXXX employee even refuses to provide her Operator ID # with the bank. 

This is the XXXX time in XXXX years that I have been selling a house and the transaction was derailed by Bank of America 's negligence. 

In XXXX, Bank of America filed a mortgage lien on the wrong house by mistake. Even after admitting the mistake, they refused to remove the lien until I sued in Colorado district court. Only then, someone with authority paid attention - removed the lien - and Bank of America paid my damages. 

Now, XXXX, I am selling a property on which I once had a Bank of America mortgage. I refinanced with XXXX in XXXX XXXX. Bank of America was fully paid off. They failed to remove the lien. Now, almost XXXX years later, I 'm scheduled to close the sale of my house and the closing is blocked by the erroneous lien. 

The Bank agrees they were paid off nearly two years ago and they should have released the lien. Even so, they refuse to do so and refuse to return my call. 

I will be filing a lawsuit again. 

Maybe they will again pay attention only after being sued. 

Company response: Company chooses not to provide a public response
Consumer complaint: Keep calling to take me to court without telling me the name of theircompany.After i repeatedly request for their information and they hang up on me 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I came to the XXXX organization with the purpose to purchase a home. When my credit was pulled it showed that Experian is reporting accounts that do not belong to me and other names and places of employment that do not correspond to me. I send a dispute letter to Experian and received a letter asking me to provide documentation of addresses and proof of social security number. I emailed them proof of address, my birth certificate and a letter stating that I did not have social security number. I provided my Form XXXX that has my ITIN number. After 4 attempts they kept sending me the same letter. I am frustrated because after providing a sorts of documentation they do not want to remove the accounts from my credit report. I am seeking your help to resolve this issue. 
Thank you, 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX mastercard account in New York, opened XXXX XXXX. I did not open the account. Received the card in the mail on XXXX. Checked credit report with Trans Union and saw it was an open account. Called the issuing bank on XXXX and {$1400.00} had been charged to the account. Placed a Security Freeze with all XXXX credit reporting companies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never had XXXX XXXX XXXX. This was disputed once before and removed from my credit profile nearly a year ago and now it reappears. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I purchased an item ( Steampod hair straightener ) XXXX that missing the tank, comb and main problem is the power in XXXX is XXXX volts but in XXXX is XXXX volt, so I contact the merchant XXXX to return it, after asking to get shipping quote XXXX FOR {$210.00}. 
I called USbank card services XXXX. XXXX, his telling me if purchasing item from XXXX with Visa card I am responsible for shipping, XXXX and US bank disclosed the information and should not ship the defective unit with disclosure so is US bank responsibility to pay or ask merchant to correct the problems or take it back. 

Company response: Company chooses not to provide a public response
Consumer complaint: I worked with Wells Fargo Bank for three months in order to get a commercial mortgage loan for a property in my town. On XXXX/XXXX/15 I met with my Wells Fargo Broker and he told me that I was " locked in '' at 4.75 % interest rate. And he did use the words " locked in. '' I was Ok with the rate so I continued my due diligence and forgot about my loan because I was " locked in. '' We closed on XXXX/XXXX/15. At the closing table my Wells Fargo Broker handed me and my wife the closing documents and the rate said 4.86 %. I had a lot of things going on so I had forgotten the " locked in '' rate. I asked if this was the rate we had locked in at. The broker just explained how good of a deal this rate was and that he had just given a loan at 5.1 % so my rate was great. In hindsight, he never answered my question as to weather that was the " locked in '' rate or not. I had XXXX choices : 1 ) walk away from the deal because this did n't seem like the quoted rate, or 2 ) sign and secure the property. My wife and I signed the papers. Next I went home and looked at my notes from XXXX and my suspicions were correct. He increased the percentage rate on the closing day without notifying us, ever. Even at closing he did not notify us that the rate was increased over the " locked in '' rate that he told me in XXXX. 
I understand that sometimes rates change and I can handle that, but when you never tell your customer about the change that seems pretty rotten. I made the assumption that when he said we were " locked in '' that meant that the rate would not change. It is especially rotten when you are at closing and the broker puts it on the table basically saying walk away from the deal or sign my paper at this higher rate. 
I looked through my emails and notes and I could not find XXXX time where he put my " locked in '' rate in writing. It was only in my notes. Next time I will ask for it in writing and take that paper to closing. 
This especially hurts because I felt like I had a great relationship with this broker. We met, talked on the phone, and conversed through email many times over three months. We were on great terms and I trusted him fully. Then he does this to me. Not cool. 
I looked online at the Wells Fargo Vision and Values written by XXXX XXXX the chairman. He talks abut how honesty, trust and integrity are essential in dealing with customers. He also talks about open honest XXXX communication and building long-term relationships with customers. He also relays how the Wells Fargo reputation extends from their character and how their brand is what people say about them. In the end, I experienced none of this in my Wells Fargo experience. XXXX XXXX is correct about how reputations extend because I am telling all my investor friends about my experience there and that I recommend that they stay away from Wells Fargo. 

Company response: Company chooses not to provide a public response