AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: DT received a insurance lease gap payment final date XXXX/XXXX/XXXX from XXXX due to accident XXXX/XXXX/XXXX Claim XXXX, after final payment was received I spoke with a gentleman at DT that advised all accounts were closed and removed from CBR which was confirmed once all XXXX CBR had DT closed, XX/XX/XXXX I received a letter advising of such Balance of {$1700.00} with a settlement request. I spoke with a female rep from DT ( XXXX ) XXXX that advised indeed what the gentleman advised was correct and account will be removed out of collections and no more correspondence would be received. Letter dated XXXX/XXXX/XXXX advises another attempt to collect ( XXXX letter a year- failed at due diligence and collection attempts ) Account Manager advised no there were no notations advising of what each rep advised but noted that I contacted. Transferred to a " manager '' advises that same. I advised her to pull the call and she advised she COULD NOT, I advised her what I was advised for going on 2 years and advised I would file a complaint to get this rectified since she was not gone to attempt to resolve my minor issue. 

I spoke to DT after filing the XXXX complaint on XX/XX/XXXX ; on XX/XX/XXXX and the customer rep who was not XXXX ( one who left message from Customer Resolution ) advised that XXXX was gone to inform me that I could settle while they review the calls for training purposes. I told the rep that their resolution was not acceptable as they had not even listen to said calls I mentioned above. 
I contacted DT XXXX back on XX/XX/XXXX and was advised the same thing, that they have not reviewed the calls yet and I could settle. I advised the rep who was not XXXX, that they should call me back after they reviewed the calls so they could finally resolve my issue besides trying to get me to settle on said balance that was supposedly " paid in full '' advised by XXXX of their reps. The XXXX rep advised that I had requested on XX/XX/XXXX to place a Cease and Desist on my account, this in fact was false and advised her to remove it because why would I request to place a C & D on my account when my issue has not been resolved. As well as advised her to review that call, because placing a C & D on someone 's account is not legal without their authorization and working with Charged Off Private Loans, it can lead to that account being placed with a Cease and Desist Law Firm. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i took out a home equity line in XXXX and paid off some credit cards, now after ten years, a debt collection attorney has put a lien on my property of over XXXX {$8000.00} and when I asked for proof that my payment in XXXX was applied to my debt, they refuse to provide me with the proof!! they sent me useless statement of charges, interest, from XXXX tpo XXXX which does not help me in the least. I assert that this outstanding balance for which the debt collector has placed a lien on my home was paid in full over ten years ago! XXXX!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was scammed by Park View Credit. I was having a difficult time buying a house because of a foreclosure on my credit report and another item. On XXXX XXXX, 2015 Park View Credit called me and promised they can remove the foreclosure and the other item off of my credit for a fee of only {$350.00}. During a long phone conversation, Park View Credit promised me they would refund me the {$350.00} if they ca n't remove the foreclosure and the other item off of my credit. Park View Credit also promised me that they can remove the items off of my credit in two to six months for the same {$350.00}. Park View Credit offered me an optional service for {$89.00} after the first two months. I made it clear to the sale representative on XXXX/XXXX/2015 I did not want the optional service for {$89.00}. 
Park View Credit told me that I will receive letters from them and from the credit reporting agencies that show that they have been working to remove the items off my credit. I did not receive the letters from Park View nor did I receive any letter from any credit agency. I checked my credit and the items are still under my credit report. 
On XXXX XXXX Park View Credit started charging me the optional {$8900.00} that I said I did not want. I called customer service and I was told that Park View Credit has not removed the foreclosure off of my credit. I was told if I still want them to remove the foreclosure I will have to pay them the {$8900.00} until they can remove it. I canceled the service for breach of contract and requested a refund ; Park View Credit refused to refund my money. 
Park View Credit lied to me over the phone ; they lied to me to trick me into signing up for a service that they never had any intention of delivering. Now they tell me that they ca n't remove the foreclosure and the other item off of my credit but they are not refunding my {$350.00} plus the additional {$8900.00}. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: This is a debt owed by a previous husband who did not reside with me at time debt was incurred. This agency has been informed of this by my attorney and has changed the name on the debt to mine. I thought this was resolved over a year ago but suddenly they are calling again and have just recently began sending demands in my name. The address with the original debtor is not even my address. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: On XXXX XXXX, XXXX, I purchased approximately {$100.00} of goods from Macy 's on my Macy 's credit card. I did not receive a bill, nor did I get a reminder e-mail about my amount due, and accordingly time passed and I eventually forgot all about it. I pride myself in paying all my bills on time, and was dismayed when, XX/XX/XXXX, I received a Macy 's bill in the mail for {$240.00}. There had been no notice on my credit reports that this bill was overdue, nor did I receive any other notification before the XXXX bill. I called Macy 's and spoke with an argumentative woman who insisted I had signed up for e-bills when I first opened the credit card, over three years ago. I told her I had received no bills, no notification of any kind, not even an e-mail, and she said it was my responsibility to check my Macy 's account to see what was due and pay it accordingly. I have never looked at my Macy 's account online, nor do I believe I have an account there. Regardless, they should have sent me an e-mail notification, or I should have received notification with my bill paying service, as I have from Macy 's in the past ; but I received neither. I asked to speak to a manager, who was even more argumentative. She agreed to take the current late fee of {$38.00} off, but no more. I told her that my account has always been in good standing, and that I originally had a Macy 's account XX/XX/XXXX and she laughed, probably because she had n't even been born then. I became very angry and told her I wanted to pay whatever I owed and close the account. She began arguing about all the reasons I should keep my card, and I told her, " I 'm done arguing with you. Please let me pay and close my account. '' She would not let me pay with the XXXX XXXX credit card I use for most purchases, saying I needed to provide a checking account number, which I reluctantly did. I ended up paying {$190.00}, and she finally closed the account. A few days ago, I received notification from XXXX XXXX that my credit score had been impacted by some activity. I learned that on XXXX/XXXX/XXXX, Macy 's had reported my account overdue by 60 days. My account was actually overdue by more than 120 days. They had every opportunity to file with the credit agencies when I was late after 30 days, but did not because ( I believe ) they knew I would find out then that my bill was overdue. I also wonder whether the reason they filed it now is in retaliation for how angry I was when talking with them. I know Macy 's is a large company, but this practice of not notifying card-holders when bills are due so Macy 's can increase their profits is abhorrent and needs to stop now. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was at Kay Jewelers in XXXX XXXX, FL and the salesman asked me if I was a rewards member. I replied no, but was interested because I wanted to get my girlfriend a pricey set of jewelry. The man said that with the rewards card I can also finance some of their products too. I believed that was great but I did n't want to take out any credit cards, so i asked the man if it was a credit card, or if it will affect my credit. The man assured me that it was not a credit card, and that it is only for financing in store, so it wont affect my credit. I was like OK great, let me sign up. I later in the month check my credit through an online credit checking service, and my credit score had gone down about XXXX points due to a new line of credit and a hard inquiry in my credit.I did not solicit a new line of credit and i was not told it was going to affect my credit, the salesman said rewards card that also allows for financing. I specifically did not want to touch my credit because I plan to buy a car and I wanted my credit to be good not XXXX points lower. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: PenFed The credit card company fails to withdraw funds automatically. The system changes within the company as stated by the agent over the phone suggests internal system issues. However, the company keeps charging delinquent fees to the account even after I make a over the phone payment with the agent. {$25.00} fee charged, automatic payment reversed and now the minimum payment has tripled. 

PenFed continues to not respond to e-mails, not file disputes, does not follow up on promises, does not withdraw funds from automatic payments. 

The internal challenges of poor communication with customers, systems that fail to process payments, and invalid billing/websites are causing a massive burden to me as a consumer. I have to literally manage this account as a full-time job, If I do n't audit the account I find many charges that are without proper information or explanation. The company is only nice when it attempts to collect payments but when it comes to managing customer experience lacks any empathy or understanding. 

It seems like they are happy to lend but unable to manage transactions, provide proper dispute process or work through their internal partnerships with a third party lender XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX does not honor their over draft policy and bank of America co horsed and did n't give me my overdraft services like my banking contact says. Then they give me a low daily limit so i cant get all my money at once. 

Company response: Company chooses not to provide a public response
Consumer complaint: PenFed wo n't let me do anything with my account. I have {$30.00} in my account. PenFed wo n't allow me to update my address even though I mailed them proof of address and proof of identity. They asked me to call and verify the information on the phone and I did call in, but it still is not updated. 
PenFed will not allow me open a checking account with them. PenFed will not allow me to initiate a transfer out of my account. Basically they are holding my money hostage and I have no access to is. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, I received a call from my XXXX XXXX consumer fraud department that they detected fraudulent charges. Someone purchased XXXX trips from XXXX, totaling {$1000.00}. I confirmed the charges were not mine and they shut off my card and promptly sent me a new one. The company also mailed an affidavit, which I filled out and returned. The company told me it would take up to 2 months for the charges to be removd from my account. Numerous phone calls, hours spent on the phone, and 5 months of paying interest on these fraud charges, they remain on my account and no one is a ble to help me. They claim they lost the affidavit and have supposedly sent me two more out, which I have not received. I have escalated this and they keep telling me that it is going to take two more months for the charges to disappear from my account. I have been paying interest and battling this company for 6 months now, when it should have been resolved months ago. I feel they are unable to resolve this and I am out of options. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XX/XX/XXXX/XX/XX/XXXX, Square Two Financial ( now CACH , LLC ) purchased a debt, which they somehow matched on my name, and in spite of more than a dozen attempts to have them resolve the bad data, they not only continue to report this on my credit, but are now fabricating fictitious dates of service to circumvent fair credit reporting laws. 
The company, in spite of multiple certified letters, numerous phone conversations, and the filing of a police report for identity theft, continues to fabricate false date information, change account numbers, and repost the fake debt on my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX, 2009 a friend used my banking information and charged amounts to her cell phone. The charges called an accrual of overdrafts and fees in my banking account. The matter was reported to law enforcement as soon as it was realized. Reports from each agency were turned over to the bank. Reports include the name and address of the party that committed the act. The account was turned over to collections. The agency has been notified multiple times by phone and mail that this account was the result of a crime that was committed. I am mailing ANOTHER copy of all reports via a traceable method to verify that the collection agency receives the information as well as to the credit reporting agencies. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am at my wit 's end. There is an Item on my credit report that is an obvious error and I ca n't get Trans Union to fix it. I had a credit card with XXXX XXXX that was closed and paid off in XXXX of XXXX. Even Trans Union 's credit report shows account closed XXXX XXXX, last payment received XXXX XXXX, and a {$0.00} balance. However, they are showing a late payment almost two years later in XXXX XXXX. It does not take a genius to see that this is impossible. I have been disputing this information for about two years now and they will not fix it. This has caused me to be denied a mortgage and to pay higher interest rates. I 've been told the best way to fix this is to file a lawsuit but I am XXXX in XXXX so I ca n't do that right now and besides I would prefer to not take those measures unless I have to. This has become even more complicated now because XXXX XXXX has sold the account to XXXX. So XXXX XXXX can no longer see the account details and XXXX ca n't get it removed because they did n't make the report. Anyone with a little common sense can see that this is an error and that it 's not possible for me to make a late payment on an account that was paid off two years earlier. This is not right I should n't have to suffer for someone else mistake. 

Company response: Company chooses not to provide a public response
Consumer complaint: A letter was sent to Experian regarding XXXX and that the XX/XX/2015 payment was reported in error. They did not investigate fully or failed to change the reporting to reflect 30 day late. Another letter was sent regarding XXXX XXXX regarding incorrect information- lien placed on credit. The letters were not sent in my name and was not given an opportunity or notified to discuss account and amounts until a lien was place on credit. The report reflects XXXX, yet a very recent letter states XXXX for XXXX XXXX. I have been working very hard to keep credit in good standing. XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I took out a loan in XXXX 2014 for {$1000.00}. I paid on the loan monthly for XXXX or 14months. Due to health issues I did n't work for 5 weeks and could n't make a payment for the first time since the duration of the loan. I communicated this to Maximum Title Loans and that did n't matter. All I heard that there was no grace period and that the payment needed to be paid. I told MTL that I would make the payment the following month and it would be a double payment. Before that day came I would receive 9 calls a day on my cellphone at multiple of XXXX. With me being at hardship my cellphone was finally disconnected.At this point I would be receiving calls at work. I took a few calls at work and told them when I would be paying and not to call me at work because I could n't receive personal calls. That did n't matter because I kept getting calls and MTL was told by multiple co-workers and then to my supervisor. This was also done at multiple of XXXX 's once a day. They were told so much to stop calling my work that I got a write up and was suspended for 90 days without receiving a bonus check. This all happen within 30 days of me back to work from being off for a month with health issues. Once that happen I was very upset with the company and refused to pay on the loan. I was a customer that always paid them and did n't appreciate the way I was treated after defaulting on XXXX payment. With that being said I am now going to court against this company as they are trying to get a judgement for {$1500.00} which is {$500.00} more than the orginal loan. I also have paid approximately $ XXXX {$2000.00} on the loan and was down to $ XXXX on the loan before I defaulted. I know that I owe the company but my no means do I owe triple the amount that I borrowed from the company. I was a good customer and they were very unprofessional once I defaulted. After losing wages I was n't even thinking about paying MTL at this point. Would n't ever recommend them to anybody. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Ditech charged my account {$200.00}, {$250.00} and {$0.00} in XXXX 2015. At this time, my account was current and paid ahead through part of XXXX payment was not yet due. Theses charges have inflated my payments and were added to my payments without my knowledge. They have charged multiple inspection fees while the only charges due were the ones in dispute XXXX attorney fees of {$450.00} incurred when CURRENT ). 
On XXXX XXXX, 2015 at XXXX via tracking number XXXX, Ditech received payment of {$5100.00} which paid through part of XXXX 2015. On XXXX XXXX, Dietch charged these fraudulent fees. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My daughter has XXXX student loans from Wells Fargo Education Financial Services in the amount of {$63000.00}. from her XXXX education. She spent three years getting her XXXX XXXX XXXX degree from XXXX University on full scholarship and graduated in XXXX XXXX. She is working and ready to start repaying the loans, however the payments are too high for the salary she makes. We have always planned to pay off the loans when she graduated with the equity in our real estate, which is currently on the market. I have requested Wells Fargo reduce the interest and extend the terms of the loan to a payment that she can effort until our real estate is sold. Wells Fargo reduced the interest less than 1 % and will not extend the terms that would reduce the payment. The first payment is due on XXXX XXXX, XXXX and if Wells Fargo will not extend the terms until the sale of our home is complete, she will not be able to make the first payment close to {$600.00}. Based on the salary she makes, the numbers just do n't work. I will attach the details in an attached letter sent to Wells Fargo Executive Customer Service Committee, but would appreciate any help the Consumer Financial Protection Bureau can provide my family. Thanks in advance for your consideration in this matter and I look forward to hearing from you soon. I really need your help! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a home mortgage through Ditech, formerly Greentree. I mailed this month 's payment on XXXX XXXX, 2016 and Ditech cashed my check on XXXX XXXX, 2016 but did not apply the payment to my account and has since lost the payment/paperwork. This was all unknown to me until I started getting phone calls at all hours of the day and night multiple times a day from Ditech stating my payment was late. When I explained they had already taken my money from my bank account for the payment, I was hung up on or told to fax them a copy of the check from the bank showing the endorsement on the back. After doing so and getting my bank involved, they proceeded to tell my bank that they had never called me or talked to me and they do not have my payment. My bank faxed over a copy of the check they had cashed and Ditech still is unable to find these funds and has yet to apply them to my account. My bank was forced to reissue the payment and has since started mitigation against them as a fraud claim to attempt to get their money back. They are still considering my payment to be late and have assessed fees stating so even though they are responsible for losing the payment, as they have had it in their possession since at least XXXX XXXX, 2016. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed CACH asking for proof of it being my debt ... no answer. I gave permission for Cach to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. 

Does all of this seem legal? 

XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX, I had received a call/phone message from the subject collection agency, when they were previously duly advised per the attached correspondence to which there had n't been any other subsequent communication from them until now regarding a supposed amount owed to XXXX XXXX XXXX, which their client had either neglected or failed to timely bill me for. Thus, as a result, I had disputed the charges under contributory circumstances, as it took their client greater than a full calendar year which to bill me. There had n't been any communication from this Agency since XXXX XXXX, which is suspect for another date of service that I have with XXXX XXXX which may be causing them to look at ALL dates of service that I have with them, which there are only XXXX ( including this XXXX ) that are disputed. Since this agency had n't responded since XXXX XXXX with any other basis for collection and that their client had failed to resonably bill me within a full calendar year 's time, any other action at this point would seem possibly political and vendictive to me at this point. 

Company response: Company believes complaint is the result of an isolated error