AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I called Bloomingdales to follow up on an application to upgrade my Bloomingdales Store Card to the Bloomingdales American Express. I had not heard from them in about a month since working with a manager and some online department for an application that seemed to freeze in their system. I was transferred to credit and she said she could reconsider the application and placed me on hold ... shortly later she came back and said it was declined and she could not do anything. I asked what credit report they had used last month and she said no, I pulled a credit report today! I said, WHAT? You NEVER mentioned pulling credit today and I did not agree for credit to be pulled today, you all have been working on this application for over a month and that is not my fault. So I asked her to recode the pull a Soft pull or remove the hard pull because she did not have my permission to pull a new credit report. She stated matter of fact and defying " That 's not going to happen! " I 'm appauled that these banks just do what they want and damage consumers credit reports and then give us higher rates and deny loans because of all the actions they take with pulling credit all the time and such ... Macy's/Bloomingdales is # 1 Preditor for doing this, all you have to do is head over to any one of the credit boards like XXXX and you can see post after post of consumers ending up with hard credit pulls from Macy 's and Bloomingdales with NO communication or permission that it was going to happen. They need to be stopped. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a complaint ( XXXX ) after weeks of trying to get clarification on the forgiven amounts for my modification. Someone - spoke too fast to hear clearly - called me today at XXXX. I was told the person who would be responding, XXXX XXXX, was unavailable and might, perhaps, maybe, would maybe contact me on or after XXXX XXXX to address my questions -- did not say she would provide the financial details, just that she might address my questions. I asked if someone else was available since I have been trying to get an answer for almost a month now ( and getting nothing but run around ). " No, there is no one else who can assist you. '' I was told. 

Wells Fargo has thousands of employees -- all dedicated to giving consumers the run around, creating problems for consumers, and making it a full-time job for a consumer to get a simple answer from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: In a letter dated XXXX/XXXX/XXXX, the bank ( falsely ) claims that the entire forgiven amount {$150000.00} was principal. That amount as principal is not possible -- based on the declared principal at the time of my original purchase and the new principal due per the work out plan. 
The bank, under the direction of the Federal Bankruptcy court for mediation, finally offered me a workout plan based on the bank 's determination of the current value of my home. To my knowledge, there was NO independent appraisal. That mediated agreement was signed XXXX XXXX XXXX. 

The details for that FUTURE workout plan included the bank 's claim that I owed {$290000.00}. I do not know how they made up this number. There was never a time when I owed such an amount as principal. 

The original note I signed in XXXX was for a principal amount of {$180000.00}. The new principal amount from the XXXX agreement is {$120000.00} ( interest bearing ) + {$13000.00} ( non-interest bearing ). 

That is a difference of {$49000.00} in principal. Where the {$150000.00} claimed as PRINCIPAL by the bank came from is a complete mystery. It seems the bank can make up whatever numbers they like and make whatever claims they wish and too bad for the consumer. 

First, I 'm told by the bank contact provided that I will have an answer by XXXX XXXX. -- to the simple question I asked in XXXX. 

Then, I receive a notice that it will be XXXX XXXX. 

Today, I received a notice today that the bank will contact me sometime within 60 days. 

It took the bank TWO months to send a notice that they will respond sometime in the next TWO Months? What then? Another notice that the bank will take another 6 months to send another notice? 

This is not reasonable. The bank has the information -- they had it when the provided the work-out plan -- in XXXX XXXX and they had it when they sent the confirming paperwork in XXXX of XXXX and they had it when they sent the final paperwork in XXXX of XXXX. The bank is refusing to disclose essential financial information to me - the consumer. 

What purpose does it serve to not provide me with the proper, lawful disclosures of financial information? I did NOT ask to renegotiate or change anything -- I simply requested the specific numbers for principal, interest, insurance, and taxes. 

Company response: Company chooses not to provide a public response
Consumer complaint: back in 2013, I asked a banker for a personal loan, but I do not have credits and I would like to get one. He called XXXX to get approved for a personal loan. I got approved for a {$3000.00} loan. Ever since, I could n't accessed the loan and I was told to wait for a year to get loan. Several bankers made a mistake and it costs my money and credits. How am I supposed to access the personal loan online? None of the bankers do n't do their job right. I ca n't get errors removed my credit reports. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Issue Number 1. XXXX XXXX, I received an offer from a buyer to sell my house, unfortunately XXXX Bank did not give approval for the sale. The reason provided was that they could not establish the owner of the house based on my social security number. My loan was with City mortgage Bank before it was acquired by XXXX bank. The social security number in reference is the same that City Mortgage Bank transferred to XXXX. 
Issue Number 2.I recently made an inquiry via email to both City Mortgage and XXXX regarding my mortgage account with a personal friend. We did not get any satisfactory answer from XXXX banks in trying to reconcile the principal balance of the loan. 
There were XXXX loan modifications between XXXX to XXXX. According to my recollections, each of these loan modification was sold to me with the pretense of lowering my monthly payment. In reviewing with my friend, these modifications made the interest rate to go up, the payment and the term of the loan as well. At the end of the day, the initial loan principal of {$120000.00} beginning in XXXX increased to {$140000.00} in XXXX The current value of the house is estimated to be around {$82000.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requests my creditor to remove 30 days late on my credit report because I had medical issues and I was struggle at the time with payments. I understand is was my responsibility but for long time I was a very good customer with a perfect credit. I have documents that sustain my medical history. however there response was that they can not make changes and I believe they have the power to do so please help 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft and fraud, There are a lot of fraudulent accounts and inquiries listed on all three of my credit reports ( Experian, XXXX and XXXX ). As well as my child support account being listed as behind, when I am current on my monthly payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I signed my loan docs with Amerisave Mortgage the contracts said : " You have the right to request that the PMI be canceled, at your option, on either of the following dates ( " the cancellation date '' ) : ( XXXX ) The date the principal balance of your loan actually reaches 80 % of the original value of the property, based solely on your actual loan payments. '' I contacted them inquiring about paying down my loan so I could attain XXXX % equity and now they sent me a letter saying I must have approx. XXXX % equity before I am allowed to cancel the $ XXXX/month PMI payment. I have called multiple times to address this and they will not comply with my loan contract. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: First, I 'm told by the bank contact provided that I will have an answer by XXXX XXXX. -- to the simple question I asked in XXXX. 

Then, I receive a notice that it will be XXXX XXXX. 

Today, I received a notice today that the bank will contact me sometime within 60 days. 

It took the bank TWO months to send a notice that they will respond sometime in the next TWO Months? What then? Another notice that the bank will take another 6 months to send another notice? 

This is not reasonable. The bank has the information -- they had it when the provided the work-out plan -- in XXXX XXXX and they had it when they sent the confirming paperwork in XXXX of XXXX and they had it when they sent the final paperwork in XXXX of XXXX. The bank is refusing to disclose essential financial information to me - the consumer. 

What purpose does it serve to not provide me with the proper, lawful disclosures of financial information? I did NOT ask to renegotiate or change anything -- I simply requested the specific numbers for principal, interest, insurance, and taxes. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paid for XXXX nights at XXXX XXXX in XXXX XXXX, LA XXXX on XXXX XXXX, 2015 for arrival XXXX/XXXX/15 via XXXX. Upon c/i gave Sears MC XXXX credit card, got key went to room it was dirty took pictures. Called XXXX they called merchant they said no refunds, Sears customer service rep advised if stay no credit given. Went to merchant returned key did n't give me any paperwork even though I requested same. Stayed at the XXXX XXXX XXXX instead note : gave same cc got key and then went to room, it was clean. XXXX XXXX said he works in the sears office of pres. and because the cancellation policy does n't say anything about clean room I will not be issued a credit, dispute amount {$430.00}. I followed all the necessary steps for dispute process. Merchant claims services rendered they were not. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a XXXX XXXX that has a DLA of 7 years still listed on my credit file. I feel this company has re aged this. If a proper investigation was completed this would have been removed. XXXX # XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a Macys and Macys American Express accounts that I get email bills and pay electronically from my credit union checking. Macys changed their billing addresses without notification resulting in late payments with fees and interest charged. I am never late. Macys could not straighten out the correct address but my credit union finally did and tested them. Macys waived the late fees but not the interest. I have seen this with other vendors and find it an underhanded way to extract money from customers. I have other vendors who are diligent about reasonable notification so it is possible. I question the competence of their IS department as it took them several weeks to complete an upgrade that resulted in this. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am steady receiving harassing, threatening, abusive telephone calls, and death threats from Wells Fargo Bank debt collectors for a debt and checking account that do not belong to me. I have never applied or opened a checking account with Wells Fargo Bank. The checking account was opened in my name illegally and fraudulently, because someone stole my identity and personal information. I am a victim of identity theft. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX, the information on my credit report was removed from all credit reporting agencies because I filed a complaint with the CFPB. The issue was resolved to reflect that the account was paid in full with a zero balance per Experian response to CFPB. I got a alert in XXXX XXXX and XXXX XXXX stating that the information was placed back on my credit report showing that I have a balance of {$120000.00} and pastdue of XXXX with monthly pymtss of {$840.00} per month as of XXXX XXXX. Now they are putting this information on my credit report showing an outstanding balance and that I owe monthly payments 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I behind on two loans and a credit card at navy federal credit union. I talk to them weekly about the matter. This week they have been calling my family members and leaving messages saying, " this is so-and-so calling from navy federal, please return our call. It is urgent. '' This is absurd. They have my number already. I find to be harassing and trying to embarrass me with my family. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I mailed MRS BPO in XX/XX/XXXX disputing this and demanding legal validation. They have refused to respond. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I ordered plane tickets and hotel rooms on my Visa Signature XXXX card. We had to cancel XXXX tickets and buy another. That is not the original issue, although it will come up later. I called to pay the updated bill on the XXXX/XXXX/16 even though the billing date on the statement I received was XXXX/XXXX/16. I got the corrected number and was transferred to the payment department. They tried to charged me the amount for the canceled tickets plus interest. After we got the balance corrected, they still tried to insist that we pay interest, even though we were before the bill due date. After arguing for a while, they conceded the interest and we tried to pay the full amount of XXXX. However, my debit card had a limit of XXXX. So we told them we would call back in a day or so to pay the rest of the charges. 

So when we called back on XXXX/XXXX/16 to pay the remaining XXXX. They again tried to charge me for the tickets I had canceled ; we cleared that up, eventually. Then they tried to insist that I owed them interest BECAUSE I had made a partial payment on XXXX/XXXX/16. They wanted {$20.00} in interest from XX/XX/XXXX-XX/XX/XXXX, equaling {$5.00} a day. On top of that, they continued to insist that there might be more charges if I did n't pay the interest that I was disputing. I told them that I would not be paying the extra charge and ended the phone call without finishing my payment of XXXX because they had made me so upset. 

On the statement they sent me, it states clearly that : " We will not charge interest on purchases on the next statement if you pay the new balance total in full by the payment due date, and you had paid in full by the previous payment due date. '' I did not have a previous balance and the due date had not passed. 

I will be trying to pay the undisputed amount again without paying the interest. However, I wanted to make sure someone knew what they were trying to do. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: After submitting all required and requested documents in support of a loan modification, servicer has sent a letter saying application is incomplete and they will not be reviewing the application for modification. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Back in XXXX when I first purchased my current home, I had a 5 year ARM XXXX and XXXX XXXX. After the interest rates came down, I refinanced the fist loan in XXXX to a conventional 30 year loan at 5.153 % interest per the TILA attached. The payment was supposed to be {$2100.00} for 84 months beginning on XXXX/XXXX/XXXX and then subsequent payments of $ {$2000.00} for 276 months starting on XXXX/XXXX/XXXX. Bank of America is the bank behind this. Despite several requests to Bank of America to refinance the XXXX adjustable rate loan, my requests to refinance both loans into XXXX have gone ignored. Nobody at Bank of America has been willing to go to their investor and agree to refinance the loan. 

Now, working on my taxes for the year I decided to look at my TILA from XXXX and my current mortgage statement and as can be seen the payment is {$2100.00} which is nowhere near the {$2000.00} that I was supposed to have started paying back in XXXX of XXXX. Moreover doing a straight amortization, my balance should be {$320000.00} instead of the {$340000.00} balance shown on my XXXX XXXX, XXXX statement that I have also attached. So, essentially, there is {$17000.00} unaccounted for. And, upon questioning Bank of American to explain themselves for this discrepancy, again, my phone call hve gone unanswered and thus the reason I am coming to you for some assistance. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian is not following the rules of the FCRA. I requested they investigate XXXX specific accts on my credit report. I felt they were reporting in error. Experian reported back that they verified all the information & when I requested they re-investigate the information they said I needed to contact the data furnisher directly. So on XXXX XXXX, XXXX I sent letter, via certified mail, to the XXXX data furnishers requesting additional information. To this date not XXXX data furnisher has provided me with any information about my accounts. So on XXXX XXXX, XXXX I sent a letter to Experian informing them that all data furnishers have ignored my request & I requested they remove the negative errors on my report. I included the letters I sent to the data furnishers as well. Experian has since responded & said they will not remove any information that they 've already investigated these accounts. They are in strict violation of the FCRA. I would like these accounts removed immediately. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Did not recieve dummy letter which allows me to ask them to validate the accounts. That is a violation of the FDCPA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I moved from the XXXX on XXXX XXXX on XXXX XXXX, XXXX. 
The XXXX management is attempting to extort me after keeping my {$150.00} deposit. Now XXXX is wanting an additional {$120.00}. 
They are claiming that I left drywall damage, which is not true, the building I lived in ( XXXX ) foundation was repaired XX/XX/XXXX, this is what cracked the sheet rock. 
They also claim door and counter top repairs. The apartment was broken into before I moved in, the repair that maintenance made to the door was sub par and done incorrectly. I noted this on the move in check sheet XX/XX/XXXX along with the counter problems. 

Company response: Company chooses not to provide a public response
Consumer complaint: Had to quit my XXXX at XXXX due to XXXX due to the issues. XXXX hospitalized quite often. I am XXXX years old and on limited and fixed income and struggle with the resulting XXXX results. I had to quit before bills such as credit cards were paid off. I am being harassed by a collection company who does not believe me and says I can pay them in spite of my limited income when medicines are increasing, etc. I wish they would stop harassing me for something I can not do for them. The calls and shaming tactics are painful and cause XXXX XXXX to spike over XXXX. Other situations cause it as well, but talking with them and worrying keeps the bp way too high constantly. I do not know how to get them to leave me alone. I would file bankruptcy, but attorney fees way too high to pay. My health has to be number one. 

Company response: Company chooses not to provide a public response
Consumer complaint: Mariner Finance continues to report that I have a delinquent/past due balance with them. I am no longer legally required to pay Mariner Finance anything nor do I have a past due balance. I have disputed this on seven occasions with the credit bureau and have contacted Mariner Finance directly. I have yet to receive a response from Mariner Finance. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a Macy 's credit card. The XXXX XXXX statement showed a balance of {$72.00} and payment due date was XXXX XXXX, XXXX. On XXXX XXXX, I paid the full amount of {$72.00} and I afterward, I closed the account. Assuming everything was clear and I closed the account with zero balance and was in good order. However, in XXXX XXXX, I started getting phone call from an unrecognized number and the caller did not leave any message. I started looking into ( XXXX ) it and found out it was from a debt collector, working for Macy 's ( Citibank ). I logged in to Macy 's account and was surprise with a XXXX statement showed a {$62.00} balance. Apparently, without my knowledge, they charged me a {$2.00} interest in the XXXX statement, even though I paid the account in full ( and closed the account ) before the due date. Then they continued charging me with a few dollars every month that added up to a {$62.00} balance. I called them and asked for the explanation of the charge and the lady took my called said it ( the first {$2.00} ) was the residual interest because I carried a balance in the previous month. The rest was fees because I did not pay for it on time. Against my better judgment, I went ahead and paid the balance ( {$62.00} ) on XXXX XXXX, XXXX because I did not want to hassle and wanted the problem to go away. The problem did not go away, they charged me with another {$2.00} on XXXX XXXX. In addition, they reported to the credit report bureau that I was late in my payment ( on a closed account? ). I am going to pay the {$2.00}. However, I would like to submit a complain about Macy 's credit card ( Citibank ) 's unfair business practice. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was denied credit and I pulled my credit report. I found a collection had been added to my report that I had no knowledge of. I was never contacted before it was added to my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a problem with XXXX and Experian they both keep sending me the same response need more documents. I have sent them countless of these attached proof of identity to these companies and they still ignore to dispute any of my disputes. it has been over XXXX to XXXX to a year that they are ignoring my disputes. XXXX has been the worst I called someone on the phone and I asked them about the dispute of that Bankruptcy XXXX on my report. they said it has been stuck in the system for while and it has n't been disputed. So i asked them to take it off because it has been over a 5 months and they refused. Experian just sends me letters of needing more proof. 
Also they have XXXX different names addresses on my credit report that do n't belong to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response