AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I kept getting calls from XXXX, I would answer and no one on other end would answer, I finally called them back and it turned out to be American Medical Collection Agency. Trying to collect {$12.00} from a lab company. They had name of my Doctor. I went to My Doctor 's office & raised XXXX about turning over {$12.00} to a collection agency, as I keep a {$0.00} balance on my account with them after my insurance pays them. They looked into it & told me to beware of a scam. Had n't heard from this collection agency for awhile, now they started calling again. I got some guy with an XXXX ( country ) accent start threatening me, said he was recording call. So being 100 % XXXX, I told him " record this '' & I introduced him to some stress reliving swear words in my XXXX accent & told him I was going to report them to the FBI. I could not find where to file a complaint with them. Your site came up, so here I am. I am a little worried about some sort of scam, not the {$12.00} they think I owe. They had my Doctor 's name, my phone number, and my e-mail address. This worries me the most. I looked up the number on line, and it seems this company is very " shady '', as there seems to be many lawsuits being filed against them. I would like you to contact them and remove me from their call list. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My US BANK home mortgage account is being reported inaccurately to credit reporting agencies and its impacting my loans and credit cards. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2015 BB & T took over Susquehanna bank and my mortgage was transferred to a new account with BT & T. I had brought the mortgage current by that time. The terms of the mortgage have the due date as the XXXX of the month with a 15 day grace period. I made the XXXX payment at the XXXX, PA branch. I soon started getting letters and phone calls saying I was past due on the mortgage. I returned the phone calls, went through the data with a representative and thought the matter was cleared up but the next month I received a statement saying I was 2 months behind and started getting phone calls again. I returned the phone call and went through the payments again. This has gone on until I reached I reached XXXX at BB & T and again thought the issue was resolved. I made the XXXX payment on the XXXX of XXXX and thought everything was fine. Then I got XXXX letters dated XXXX XXXX & XXXX and a phone call on XXXX XXXX saying I was 2 months behind and they were going to report it to the credit agencies. When I called them they had to check my account again and said they would start sending letters and making phone calls on about the XXXX of each month if the payment was not made by the XXXX of the month even though the payment is not late until the XXXX of the month. I recently checked my credit report and found they had reported to credit agencies that I was 2 months behind and lowered my credit score even though I have never been behind since BB & T took over. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have requested for Transunion to provide me on how they verified the information on my report. These are not my accounts. I asked the following : " Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Please tell me exactly how you verified them and include the full name of the person you spoke with. '' Yet, they sent me a very generic response. They are not responsible with handling customer disputes and verifying account info. 

Company response: Company chooses not to provide a public response
Consumer complaint: Some one by the name of XXXX keeps calling me at my place of employment, on my cell and residence and stating he works for Stevens and Michaels Associates XXXX, they are stating they have information on me and will come arrest me at my job or home, when asked what is this matter about, they get aggressive and do not give me any information. Also main number is always connecting to a voicemail to leave a message. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have a XXXX credit card for 5 years. Always pay balance in full. Signed up for online billing never received bills. Got phone call stating that I was over 30 days late. Paid immediately, they reported me to credit bureaus for being 30 days late. They said I was late and charged me {$25.00}. Since I always paid my bill in full I did n't know I had a late charge of {$25.00}. Because I did n't pay that late charge they put it into the credit bureau as an over 30 day late. Contacted XXXX, they moved all the late charge and other late fees that incurred because the XXXX late charge did n't get paid but they did not remove the 30 days late on my credit report. My perfect credit is being tainted by a late payment of a late charge that incurred because I never got a bill. XXXX ended up removing all the charges because I never got the bill and my perfect credit history with them was evidence that something was wrong. To stop the instantly I have set up automatic payment of my XXXX charge so this never happens again. 
I am requesting that the 30 day late be removed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: We just bought a home in Virginia with C & F Mortgage. Us Bank bought the note and is not honoring the biweekly payment program written into the note in paragraph XXXX. I just demanded they provide a audit and credit all of the additional interest they have charged, since they put my biweekly payments into a suspense account instead of applying them to the note. They also applied one of my payments to additional principle when there was no instruction to do so, and called to say we were behind on our mortgage several times. I need help with this arrogant and unwilling mortgage company. 

Company response: Company chooses not to provide a public response
Consumer complaint: Continuously calling me, telling me that my full payments are due the day of the call, telling me that I need to pay them now, I have repeatedly told them that if they just send me the bill I can make payments, continue to tell me it 's due right now, I tell them that I do n't have the money today until I get my paycheck, then they continued to ask me when I get my paycheck, telling me that when I do get it I need to call in on the phone and pay because they do not send paper statements, which is false because I have a bill from them that I just got in the mail yesterday. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage is serviced by LoanCare. My house initially had PMI, but I sent a request on XXXX XXXX, XXXX requesting PMI termination. My house was then appraised by an appraiser they sent and found to be below 80 % LTV so the appraiser recommended to LoanCare that PMI be removed. I received no confirmation, but assumed it had been done. I noticed looking at my yearly mortgage statement in XXXX XXXX, that I was still paying PMI. I sent a letter again asking why it had not been removed. I received a response saying my PMI would be cancelled. When I looked at my yearly mortgage statement for XXXX, I found out I was STILL paying PMI. LoanCare has not done anything about its removal after several requests. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had receive a check in the mail for XXXX that was given to me from a friend who needed money. I went to bank on XXXX to deposit the check and bank teller deposit money into my account. I ask bank tell if the check going to be clear on XXXX and she said, '' yes '' that it would be in my account XXXX morning. when I check my bank account, the money was in my account XXXX morning. The local bank of America that I bank with, used the money for my purchase that I have made last week to pay for a bills as well. I went to the local XXXX to get a money order to send to a friend. the first money order went through with no problem and second one did not cause bank put a hold on my debit card thinking that it was a fraud or somebody using my card. so I told them to cancel check for XXXX and that I was going to go see if XXXX going to give me back the money. customer service department of bank of America told me that they going give me back money and put it into my account at midnight it never went in. XXXX, I got paid with my regular pay check and bank took that money as well to pay for my bills. only thing that see that bank did was reversal of the XXXX in my account. the whole time neither bank nor customer service never call to tell me that check that I deposit into my account on Monday was no good. I also have fraud protection on my account. I call customer service on Friday about my account, they told me that they sent XXXX check back to owner and that he put a stop payment on the account. so they charge me XXXX fee and XXXX for my account being over draft. they said that I have pay them the money or the friend that sent check have to pay them. this was from my local bank of American who I talk to one of local manager at the bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ten years ago I was laid from my 25-year job. Since then I have been unable to make payments easily. I already went through all of my 401k to try to keep my place. I just make enough to pay my bills, little else. I had my mortgage and a home equity loan through Citibank. After 10 years, apparently I have to start paying the principle on the home equity loan which I was unaware of. My payment went from about {$300.00} to $ XXXX+. I have continued to make the {$300.00} payment but that 's all. I do not make enough to refinance or get another loan. The payoff on my place is about $ XXXX. When I started to see if I could be considered a " hardship case '', they did a property assessment of $ XXXX. One letter told me they would " suspend Foreclosure proceedings '' while they determined if I could qualify for a loan modification. Three+ months later ( this week ) they denied me. I can never get through to anyone and no one returns my emails. I had to file bankruptcy so my Citibank Mortgage loan was sold to XXXX XXXX/XXXX. They do not give you any information on your statement, and make you wait forever to get through, and then you are transferred to the " Bankruptcy Department ''. But it is very difficult to talk to anyone because my Home Equity Loan is no longer tied to my mortgage loan at the same company. I usually get transferred about 5 times, and then they end up transferring me back to the department I started with! Most of the time, they just answer " No one is available to take your call. Call back later ''. One person I spoke with said I was never in Foreclosure status, so who knows. 

Company response: Company chooses not to provide a public response
Consumer complaint: a Fraudulent account was opened under my name without my knowledge or consent. I contacted the company 's customer service and fraud departments to inform them of this. 
I was told that I would be sent a fraud statement. They never did. They have harassed me via telephone ( my cell ) and I am now receiving letters from a collection company. 

Company response: Company chooses not to provide a public response
Consumer complaint: Macy 's assessed me a late fee. They have a new website that locked me out and would not allow me to pay the bill. When I called to have the late fee removed they said that they would but that it was a courtesy removal and that I would only be forgiven this XXXX time. Even though it was their fault. Then when I called to pay my bill the next month I asked if I could pay half now and half a day after it was due and they would not take my money and charged me a late fee, no grace periods, no courtesy forgiving of lateness because they had just done so last month. 

Company response: Company chooses not to provide a public response
Consumer complaint: I HEREBY DECLARE MY INTENT TO SUE. 

Despite my previous mail correspondence, XXXX has failed to investigate and rectify errors contained on my credit report. Thereby they have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California Attorney General 's office. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

I have paid the XXXX {$2200.00} on XXXX for Docket # XXXX. The payments, including all principal, interest, late charges, penalties and assessments, have reduced my account balance to XXXX which closed the account. There should be no further effort to enforce or collect on this account and, therefore, I am requesting that the XXXX follow through with a Vacatur of Judgment, withdraw and/or expunge Docket # XXXX from every county court ( s ). Additionally, when I paid the excess unemployment amounts, XXXX guaranteed to have this judgment removed from all XXXX credit bureaus. They have failed to do so. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: CMRE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX By telephone : XXXX or XXXX By fax : XXXX By email : XXXXXXXXXXXX By mail : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CMRE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received bill from Bloomingdale and found out that I a have card with them. I never opened any accounts with Bloomingdale, never made any purchases and never received any products. The first and last name was spelled completely wrong on a statement. I called immediately and reported it, but I still getting bills from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I want to apply for a bank account at Wells Fargo the banker told me I have already a bank account with this bank and I told the I have never apply for a bank account. But she told me the account was abuse so I told her I need to go the my local police department to file a police report. spoke with the fraud department they told me they was going to sent out a affidavit. So I received it and sign it fax it back to them. After 4 days I called the fraud department they told me the claim was denial and I ask them why it was denial I they told me the address match my id the signature match from the affidavit anyone can sing something like me so I would like to get this fix ASP. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America called my place of employment and left a message with a coworker for me to call the number on the back of my card. The perception that I was past due was clearly communicated with my coworker. I called Bank of America on XXXX/XXXX/16 and was told that this was not their standard procedure, but after they reviewed the recording and verified the conversation and they did tell my coworkers to call the number on the back of my card, they called me on XXXX/XXXX/16 and said they found no issue with their employee telling my coworkers to call the number on the back of my card. I feel the perception that I owed them money with this message is a problem and leaving a number to call me back on would have been a better alternative. I do believe they have committed a UDAP and I would like their policy changed to protect other consumers. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX SunTrust XXXX branch rep XXXX XXXX opened a personal acct for me, I clearly told her to put promotional code on the new account with {$200.00} bonus. I also asked her to print out promotional offer for me. I have email confirmation showing the account was enrolled in promotion on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I had more than {$2000.00} direct deposit came into my account which qualified the promotional offer requirement. This Rep told me it takes about XXXX weeks to get promotional bonus. Now it 's been 5th week after the account met all promotional requirement. However when I contacted the customer service, I was told emailed that no promotional code listed on my account. Also when I checked the promotional status of enrollment, it shows not qualified. 
Same as my business account. On XXXX XXXX, XXXX XXXX XXXX opened my business account and handed me promotional offer. I have email showing business acct was enrolled in promotional offer on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I enrolled in XXXX XXXX which qualify the promotional offer. However she blocked my enrollment for 20 days until XXXX XXXX, XXXX in order not to pay {$400.00} promotional bonus. On XXXX XXXX, XXXX she told me it takes 4-6 weeks to receive {$400.00} promotional bonus. Now 5 weeks passed since acct met promotional requirement. But enrollment shows not qualified. 
At this branch, I experienced terrible services and harassment. Such as missing deposit on XXXX XXXX, XXXX ; Cancel account on XXXX XXXX, XXXX ; Blocking online banking on XXXX XXXX, XXXX ; Blocking other features on XXXX XXXX, XXXX ; Blocking enrollment of Online Cash Manager for 20 days ; Violation of customer privacy to copy Deed and Settlement sheet to obtain physical address which against my will on XXXX XXXX, XXXX ; Repeatedly let customer sign same document 6 times ; Extremely bad attitude and harassment at branch on XXXX XXXX, XXXX and other occasions ; etc. I have filed 3 complaints just within 10 days of account opening with this bank regarding all these listed issues. 
I am asking {$600.00} promotional bonus to be received immediately since all requirement were met. I also ask this bank to delete all my personal information to close the accounts AFTER I RECEIVE MY DEPOSIT AND THE PROMOTIONAL BONUS. 

Company response: Company chooses not to provide a public response
Consumer complaint: Intercepting my taxes without validate the debt. I sent them a written request to prove I owe this money. They did not sent any documents that the money was issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: First off I was sold to ditech from Greentree which I have never had a problem with. I just received a Annual Escrow Account disclosure statement and I noticed that I am being increased in my monthly payments by {$70.00}. I phoned ditech and told them that I received an overage check from my insurance company and that the amount actually owed was only {$870.00}. I told them I would send the paid receipt so they can re-adjust my escrow account and they refused to accept that. The customer service for this company is very rude including a manager who I asked for who was also no help. Also on my disclosure my current escrow is for {$400.00} and my new payment escrow is {$390.00} plus escrow shortage of {$81.00} does this make since no. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In 2015 I requested a copy of my ( XXXX ) credit files from each of the bureaus via XXXX but only received my report from XXXX in which I found a judgment from XXXX County Court for an account that I knew nothing about. Whilst investigating this information I approached XXXX County Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Experian make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Macy 's Credit Card, we recently purchased a mattress and chose the 12 month " no interest '' plan. The problem is that there is no option on the bill or on line payment, to pay the minimum balance due and allocate payment towards paying down the " special events '' balance. I have spoken to credit many times and they stated that the payment could be made if I talk to credit each time I make a payment and tell them how I wanted the payment allocated. Now it 's been 3 months in a row that I have done this and so far it has not happened, every payment has only paid down the revolving balance. No matter what I do they always take the total amount I send and only reduce my regular account and never put anything towards " special events '' balance. When the 12 months are up they are going to hit me with all the deferred interest. Never was I ever informed that in order for me to take advantage of the " 12 months no interest '' did I have to pay my revolving down to zero before my payments would be paying down my " special events '' balance. I spoke to the salesperson in the store and she had no idea that this situation existed. I think this is situation needs immediate attention and Macy 's should be held responsible for deceptive practices in credit offers. 
I have also encountered the fact that I can not enter my Macy 's account online. When I try to enter they say the information is invalid. They ask for name on card, birth date and last XXXX of SS #, an d when entered they say information does not match, this is indisputable information. Now I can even enter the Macy 's website to pay my bill. 
The credit department has been contacted and nothing has been accomplished except for the hours I 've spent on hold and talking to the XXXX. 
Please research this situation for bad credit practices. 

Company response: Company chooses not to provide a public response