AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Illinois dept of family services ( child support ) are payroll deducting child support payments every pay period but are reporting my case as being negative ( i n default ) .in someway. I have acquired a payment ledger from child support as proof That payments are being made. My payments are payroll deducted so it 's never late.this has be ongoing for over 10 years. Whenever I manage to get my credit score up to a respectable number, the next following month my fico score drops about XXXX points even though payments are being made on time. It is a an unfair tactic to collect missed child support payments which occured over 10 years ago.at this rate I will never be a home owner and it 's hendering from getting employment.I am homeless due to this situation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a creditor by the name of Citibank I 'm currently 15 days past due to pay my credit card and they continue to call me during unauthorized hours. 

Today Sunday XXXX XXXX 2015 I have received XXXX calls from CitiBank attempting to collect the past due balance. 

First call XXXX Second Call : XXXX I have told them numerous times currently and in the past that this is illegal and harassment to be calling me on a Sunday. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a complaint to you back in XXXX 2015 due to the company was calling me to early in the morning. I live in Arizona and the law here is no calls before XXXX. The company American Credit Acceptance called me after you sent the dispute and apologized, but after that I have not received any correspondence from them no monthly statements or calls. They stated I put in a request for them not contact me which is not true. When I spoke to someone with the company they never stated all correspondence would stop. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is in connection with Case number : XXXX. I could not find any where to supplement my initial complaint. On XXXX/XXXX/XXXX I was contacted by B of A representative XXXX XXXX. I explained the deceptive nature of the Signature Card promotion. I asked XXXX XXXX why B of A did not disclose that by applying for the Signature Card, I was also applying for the junk Platinum card. She told me that I had not applied for the Platinum card, but that B of A had given it to me anyway, because it did not want to give me the Signature Card. This is even worse, because B of A admits that it sent me a credit card that I had not asked for, and it arrived with a {$50.00} charge already on the account before I even activated the card. Also, B of A reported this card on my credit report, despite the fact that I had never applied for, or activated the card. 

Since B of A now admits that I did not apply for this card, it violated 15 USC 1642 by sending me the card, for which it charged me {$50.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: Macy 's is awful. Twice in having this card I 've had issues, because Macy 's communication is deliberately confusing or lacking. I have a Macy 's credit card ( # ending XXXX ). 

XX/XX/XXXX Purchase on card : {$8.00} ( a purchase that had a larger balance of {$30.00}, {$21.00} of which was paid with a gift card, with remainder {$8.00} put on the credit card ) XX/XX/XXXX Statement balance : {$8.00}, due by XX/XX/XXXX ( payment not made on time ) XX/XX/XXXX Statement balance : {$10.00}, due by XX/XX/XXXXXX/XX/XXXX Online payment made : {$10.00} ( WELL BEFORE due date of XX/XX/XXXX ), bank statement proves it. 
XX/XX/XXXX Statement : {$2.00}, due XX/XX/XXXX -- where did this come from? 

I called customer service ( no options to talk to a real representative ) and IVR System says the {$2.00} is interest charges .... How can this even be possible, when I 've already made payment in full of {$10.00} ( on XX/XX/XXXX ) after receiving XX/XX/XXXX statement? 

Until the XX/XX/XXXX statement, I was under the impression that I 've paid the Macy 's card in full. Had I not investigated this, and matched up payments and due dates, I would either have paid {$2.00} for no reason, or Macy 's would have charged me fees and interest on top of that, which is what they did last time with a similar ( though not exactly the same ) incident. 

There should not have been any balance. Yet, Macy 's puts an " interest '' fee of {$2.00} on a statement after something has been paid in full from their last statement. How can this be allowed? 

After calling the IVR system, Macy 's automatically removed the {$2.00} fee, without having to speak to a customer service agent. This tells me that this is an ongoing issue with Macy 's. 

I classify this as fraud, and a deceptive practice. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called to cancel this membership. I do n't even remember calling them. That is not to say that I did n't ... I just honestly do n't remember. When I called to cancel and get {$39.00} refunded to my credit card I was told that it would be placed back in my account in 3-5 business days. That never happened. THen I received an email saying that the request was not approved. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Please be advised that we applied and were approved for loan modification by Bank of america after a year of processing. 
The documents were sent to us and the cover sheet says important to have documents back by XXXX XXXX XXXX we used XXXX to track and they were confirmed back at bank of america on XXXX XXXX XXXX we waited and aprox a week later new documents came to us that said you must re do the loan mod documents as the notary is not correct. we went again had notarized and returned by XXXX on XXXX XXXX before the due date XXXX we did not hear back and then we started to call we spoke with nice woman XXXX daily at bank of america XXXX she stated, recorded. " this happens all the time bank of america is very particular. she sent a new set of documents. they did not come. we called spoke to XXXX our single point contact he sent XXXX more packages. on XXXX XXXX XXXX we received XXXX LOAN MOD PACKAGES all at once at large mailbox we direct all large packages to go to, our regular mailing address. nothing was received at any other address. we immediately noticed that the cover sheet said docs back to them bank of america by XXXX XXXX, so this would be impossible. as it was now the XXXX of XXXX XXXX we went to branch of bank of america this time and spoke to asst to mgr XXXX his name XXXX, every fine and we should come back monday the first appt with XXXX at XXXX XXXX XXXX XXXX we did. signed. she notarized and returned docs XXXX we were then contacted by bank of america and called and spoke to XXXX XXXX she was very abrupt and said you are denied because you did not return the docs on time. she would not discuss further. we are filing this complaint as we made the XXXX payments required by bank of america for loan mod and we returned the documents as quickly as was humanly possible. we are not at fault here and we wish bank of america to honor its commitment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I switched cell phone providers in XXXX XXXX ; left XXXX after being with them for more than 10 years and moved to XXXX XXXX XXXX. In XXXX XXXX my online XXXX account was suspended. I received a bill in the mail from XXXX in XXXX XXXX providing the amount owed. I made a payment via check and mailed it to XXXX in XXXX XXXX. I got a letter from XXXX stating that I had access to my online XXXX account again. I went online to make another payment this week. The very next day I got a phone call from a debt collection agency. The caller stated that XXXX gave my account to debt collection agency. I am outraged. I am currently paying this bill, I have not failed to pay, I have paid online. XXXX gave no notice that the account would be going to debt collection. This is complete bullying by XXXX and they need to be held accountable. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I purchased a washer and dryer on my Sears Credit card from the Sears in XXXX, TN. My purchase included the washer, dryer, washer hoses, dryer vent, dryer hose, stacking kit, delivery and installation. I was in the process of remodeling my laundry room, so I set the date of delivery for XXXX/XXXX/2015. On XXXX/XXXX/2015 XXXX deliverymen brought the hoses, vent, and cord, nothing else. After a call to the warehouse, the store, and the XXXX number, it seems someone rescheduled without informing me. Then it was later discovered that they did n't have the stacking kit. I proceeded to reach out to Sears again via phone and social media on XXXX/XXXX/2015 and finally managed to get the washer and dryer. I was informed I 'd have to make further arrangements to complete my order and installation ( setting up the appliances with the stacking kit ). I 've had no contact until I called the XXXX number today. First they tried to lead me to believe my order was complete. When I corrected the info, I was put on hold. The woman came back on and said my part was at the store and that I could call there. I have since called someone I believe to be the manager in the appliance dept, Sears at XXXX and explained what was going on. He has yet to call me back. I used my Sears card and have been making my payments on something that I purchased on an obligation that has not been fulfilled. I 've been fulfilling my end of the bargain by making my payments and would just like Sears to do the same by completing my order and installation. The run around I have received is ridiculous and their handling of my order has been unsatisfactory. I 'm hoping that maybe someone outside of Sears inner circle may be able to assist me in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX has reported inaccurate information to credit bureaus that is affecting my chances of getting a new credits/loans. I have no account with XXXX, I have never been in XXXX for any services,, I did not even know their address until I got my credit report and no body is authorized to use my XXXX insurance card. I do not owe and I have not received any letters, validations, information from XXXX XXXX. I have called on three occasions, they have not given me any response. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is no means on any of the bureaus to dispute the inaccurate balance showed on this item. My reports show I owe more than {$1900.00}, when in fact I owe {$0.00}. I am trying to buy a house and this inaccurate record is standing in my way. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have sent Trans Union requests to investigate and remove unauthorized inquiries from my credit report/file that were not initiated by me and they are not responding. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent Trans Union numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 I viewed an account alert from credit check agency, phone # XXXX XXXX, they list the following : XXXX/XXXX/15 XXXX is Experian the company name is : XXXX XXXX. Payment Status : Collections in the amount of {$680.00} their address appears as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt collection agency Told me my name and last XXXX of my social security. I did not have to verify anything I just stated yes it is my social security number. This is a blatent release of my sensitive information and I would like action taken if possible. 

AMSHARE - Manager XXXX XXXXaddress XXXX XXXX XXXX. 
XXXX, Alabama XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Mortgage contract between myself ( buyer ) and seller had a closing date of XXXX XXXX. I got the CD on XXXX XXXX. There is a 3 working day waiting period. We were waiting on approval from lender on mortgage. The loan was cleared for closing today XXXX XXXX by lender. Attorney is stating we have to wait for 3 working day waiting period due to correction to the CD by attorney to lender. Attorney stated we have to wait 3 working days and then 3 working days for closing to occur. This will put us outside the 10 working day grace period for the loan to close based on contract. As the buyer I do n't want to be held liable for the fees and cost incurred by not having the loan ready and seller backing out or extending the closing to new year. Can we close on the loan at anytime going forward? Do I have to wait for the attorney to set closing date? I get the impression that the attorney and realtor agents are stalling the closing to the cut off date. This will allow the seller to default and all cost and fees will be the responsibility of me ( buyer ). What are my rights as the buyer? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A check drawn on a local bank that I deposited on XXXX XXXX is being held until XXXX XXXX, even though with the advent of electronic banking checks are clear in one to two days according to the FDIC. Thus, the banking industry is " floating '' these collected funds while harming my credit or exposing me to overdraft fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: I investigated XXXX Estate through Trans Union about 1 1/2 month ago and this item was deleted. I just check my credit report through XXXX XXXX and this creditor is reporting once again which brought my credit score down XXXX points. What 's is sense of a consumer going through a 30 day investigation when the derogatory credit is being reported once again on their credit bureau report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to dispute Nation Star Mortgage account number XXXX alleging that I am behind on a mortgage payment which in fact my mortgage was sold from Bank of America account number XXXX in XXXX XXXX, I had a direct deposit from my bank to Bank of America and XXXX XXXX payment was sent back to me which I forwarded to Nation Star Mortgage but Bank of America kept my XXXX payment. I was even sent a letter saying that I would receive my XXXX XXXX payment. 
I had contacted XXXX XXXX Mortgage and told them about the problem and they sent me a letter saying that they found nothing wrong with my missing payment. I also contacted Bank of America and told them that I needed that XXXX XXXX payment and they said there was no status on it so it could n't be released and after hearing this news, I contacted a lawyer XXXX and paid {$250.00} to have this issue resolved but the lawyer was unable to do so. 
I have also recently, filed a dispute with the Real Estate Settlement Procedures Act agency regarding this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I opened a consumer credit account with Home Depot/Citibank in XX/XX/XXXX to finance the purchase of a new roof. We were informed at the time that the financing would be at 0 % interest for XXXX months and if we paid the balance in full prior to the end of the XXXX months we would not pay any interest. When we received our XX/XX/XXXX statement we realized that the 0 % financing was scheduled to expire in XX/XX/XXXX after only XXXX months and at that point we would be charged interest retroactively. We contacted customer service and were informed that they would extend the 0 % financing for the full XXXX months. When we received our XX/XX/XXXX statement we observed that the 0 % interest had expired and that interest had been applied retroactively raising our monthly payment from approximately {$100.00} per month to approximately $ XXXX monthly. We again contacted customer service and were told to make our originally scheduled payment and that the 0 % financing would be applied retroactively. In XX/XX/XXXX I began receiving collection phone calls and when I viewed the statement online I realized the 0 % financing had still not been applied. I contacted customer service and was informed by XXXX in Escalations that the 0 % financing had not been applied because there was an error in the original account notation in XXXX. They said they would apply the 0 % financing retroactively again as soon as I made the account up to date and paid a past due {$210.00}. I informed them that this was unacceptable as the account was already up to date per the original 0 % financing offer and that I would not pay {$210.00} in interest due to their error. They said that the amount would be applied retroactively to the principal as soon as the account was up to date. I have no faith in that promise based upon the interactions over the previous XXXX months. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a XXXX XXXX from a well known nationwide dealership and because I needed financing American Credit Acceptance agreed to be the lender. While attempting to make the first XXXX payments online and over the phone the aforementioned lender had major difficulty processing a credit card payment. It literally took XXXX phone calls for XXXX payment to be processed. Several days after going through similar issues with the second payment, I received several calls and voice messages the week of XXXX XXXX from American Credit Acceptance. I returned the call just to be told by one of their reps that the company no longer accepts credit cards as a payment option. Is this legal? What 's my recourse, if any? Can a merchant in the U.S. all of a sudden stop taking credit cards? Can the consumer be forced into using payment options such as XXXX XXXX and XXXX XXXX? I use my XXXX XXXX XXXX XXXX XXXX for the points/rewards and it 's the only credit card I own. If they ca n't accept credit cards then I prefer not doing business with this organization. Please Advise. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a postcard mailing from SunTrust stating that I had selected ( opted in to ) overdraft coverage for my checking account ; I made no such selection, and had specifically refused overdraft coverage/protection when I opened my accounts. I spoke with a call center worker who corrected my selection to decline overdraft coverage/protection, but neither he nor a branch employee were able to say when or how my preference had been changed without my consent. Changes to my accounts - especially changes that cost me money and produce profits for the bank - should not be made without my consent, and there should be accountability when changes are made so that mistakes can be corrected, broken processes repaired, and malfeasance detected and sanctioned. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank published a Notice of Trustee 's Sale for XXXX/XXXX/2012 ( attached ) on our property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, a legal action designed to recover their XXXX Trust Deed Mortgage with a lien against our property. The resultant foreclosure did not generate sufficient funds to cover Citibank 's TD. Citibank now expects us to cover the difference in a second debt collection legal action in direct violation of California XXXX Section XXXX ( a ) [ Single-Action Rule ; also attached ]. I brought this matter to the attention of XXXX at Citibank ( direct phone # XXXX ) who responded that after their legal review they do not believe California 's XXXX Rule applies. Please kindly let me know whether or not the state 's XXXX Rule governs here. Thank you very much. 
P.S. I have also attached a letter from XXXX XXXX XXXX ' Office, California XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was denied a loan modification from Wells Fargo in XXXX of 2015 because they supposedly reviewed my application and said that they could not modify my monthly payment to anything lower than I was currently paying. Since I ca n't afford my current monthly payment they told me there was NO WAY they could qualify me for a modification XXXX XXXX or and IN-HOUSE modification. I went on the XXXX website for XXXX and althouth I know this is not official, I qualified for a {$500.00} reduction in my overall monthly payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Greentree offered to refinance my existing mortgage. I agreed and we refinanced. Come to find out that the Mortgage company used the entire tax map # of XXXX acreas instead of the XXXX acreas and the house that was on the mortgage they were replacing. I notified them numberous times and they finally requested in writing on the XXXX of XXXX. I faxed all documents over and was told I would have a response in 30 days. I have called since and all they can tell me is that they have handed it over to outside council and can not give me a time frame for the release. I have part of this property sold and can not close because they will not forward the release or the affidavit for correction as stated. This has now been 75 days and there only response is its out of our hands. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I had put in that I was interested in a mortgage with XXXX. I was inundated with emails from XXXX XXXX even though I never responded. He called many times until I finally answered. Although I told him I was not interested in a VA loan he would not let it go and I had to finally be rude and cut him off to tell him I was done with him. When a customer says they do n't want to do something then that 's where it should stay. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I received a voice message this morning on my home phone, XXXX, from ProCollect, Inc., XXXX, TX, a debt collection agency. The caller requested that I return their call at XXXX. I have not and will not do so. 

Alleged debt of {$120.00}, as noted in a letter from ProCollect on XXXX XXXX XXXX, is for repairs to purported damages to an apartment I shared with XXXX other occupants. I responded to ProCollect by letter dated XXXX XXXX XXXX that that I disputed the charges claimed by XXXX, the lessor. In my letter, I stated that some of the purported damages were noted as pre-existing on my move-in report ( which XXXX XXXX has failed to provide ), and I disputed the existence of others. I requested a move-in joint walk-through from XXXX when I occupied the premises on XXXX XXXX XXXX, and a move-out walk-through was also requested on XXXX XXXX XXXX. Both requests were denied. My XXXX roommate who was still in the apartment on XXXX XXXX also requested a move-out inspection on that date, and was also denied. Since there was no documented joint agreement on the premises ' condition at move-in, and refusal to do a joint inspection at move-out, XXXX unilateral claims as to damages are without merit. I also requested refund of my security deposit in the amount of {$100.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother is somehow added to my Credit Account. Shes lowering my credit score. 

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