AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This past spring I opened a Macys card and subsequently started buying a few items needed for the new apartment into which we recently moved. Not long after that, I received my statement in the mail, which I promptly paid. The same thing happened the following month. Then in early summer I purchased some new pants for the new season. A couple of months went by before I realized that Macys had not sent me a billing statement. And at no time did I request or approve a change to statement delivery electronically. Finally, a statement showed up in the mail showing a late fee and interest for the amounts of {$32.00} and {$4.00} respectively. I promptly paid the balance for the value of purchases minus the late fee and interest. In addition, I wrote Macys explaining that they did not send me a statement and to kindly remove the late fee and interest. More than 6 weeks later I received a letter from Macys informing me they would extend to me a " courtesy '' adjustment for the late fee and interest. And that these adjustments would appear on my statement within XXXX billing cycles. Unfortunately, I never received a statement and instead received some sort of Debt Validation Notice for {$31.00}. Please keep in mind that I paid my account balance in full, minus XXXX late fee and interest. At this point, I decided to log on my account and noticed they have now charged my account late fees and interest for XXXX, XXXX and XXXX. 
To me, it seems that Macys has a business practice of not sending statements to clients so they ( Macys ) can generate revenue in the form of late fees and interest. In addition, they offer a courtesy adjustment, then not credit the amount ( s ) in question in a timely manner so they could again charge the account further late fees and interest. 
To that end, I wanted to share this with you. I do n't know if this practice is illegal but it certainly appears to me at deceptive to consumers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid off the balance but the account still showing in open/collection status 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX, I filed for bankruptcy chapter XXXX which included my mortgage company Flagstar Bank as a creditor. I never reaffirmed any debt with Flagstar Bank as they did not attend the meeting of the creditors. My chapter XXXX was discharged on XXXX XXXX, XXXX. In XXXX XXXX, I contacted Flagstar Bank to request a loan modification, which at this point I was only month behind in payments because of lost wages due to XXXX and prior injuries. I submitted all requested documents to Loss Mitigation at Flagstar. I resubmitted other documents as requested to Flagstar along with current bank statements as needed. In XXXX XXXX, Flagstar Bank filed for foreclosure with the XXXX XXXX XXXX XXXX. In the Preliminary Loss Mitigation Affidavit, Flagstar stated that the loan modification was denied because I filed for chapter XXXX bankruptcy on XXXX/XXXX/XXXX which disqualified me for FHA modification and HMP. I did not file for chapter XXXX on XXXX/XXXX/XXXX. My chapter XXXX was filed in XXXX and XXXX in XXXX. Again at the time of my modification request I was qualified for a FHA modification and HMP as I was only a month or two behind in my payments. Additionally, Flagstar Bank violated bankruptcy laws as they continued to contact me demanding payments after I filed chapter XXXX via telephone, mail, emails, etc. In XXXX XXXX, a mediation hearing was held at the XXXX of Administrative Hearings. Again, Flagstar refused to modify the loan. To date, foreclosure proceedings are still pending with the court and all attempts to modify the loan were unsuccessful. 

Company response: Company chooses not to provide a public response
Consumer complaint: State Bridge Company They service my mortgage. 

They rarely pay my taxes on time. 

I put calls into their office and I am told they will create a " ticket '' and get back to me. 

I am getting letters from the city tax collector. Again - I have called and they just say they will take my information and call me back. 

Company response: Company chooses not to provide a public response
Consumer complaint: From : XXXX XXXX XXXX To : Consumer protection financial bureau Thank you for the great service and assistant, recently I open a claim against ( XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX Authorized Retailer ), about a month ago, the concern that I has now with XXXX of the accounts, from ( XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX Authorized Retailer XXXX, open on XXXX XXXX XXXX with ( Num. XXXX ), and XXXX XXXX XXXX with ( Num. XXXX ) is ; the account XXXX XXXX. XXXX ) has been send to a different debt collection company name ( RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX ). Who 's billing me {$440.00}, for the early close based on my credit karma account information, that I have to open and monitor thanks to all these issues with ( XXXX XXXX and XXXX XXXX XXXX XXXX. Dish Authorized Retailer ), basically is the same issue stated on my first Complaint with the case number XXXX, resolve on XXXX XXXX, XXXX, with Related Case Number : XXXX, for the account ( Num. XXXX ), beside that, I am really grateful for all you have done in helping me in fixing these issue with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX of 2007, my name appeared second on a finance contract with ALLY FINANCIAL to allow my former wife to purchase a vehicle under the XXXX Program. After she made several late payments, ALLY FINANCIAL sold the vehicle for a profit and refunded some of the money to her. Despite that I made none of the late payments nor received any of the proceeds, ALLY FINANCIAL refuses to delete this account from my various credit files. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE XXXX XXXX FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX. In 2010, my wife, XXXX XXXX and I had to file for Bankruptcy due to a job loss. My wife passed away last year and I am trying to sell the home. I am having trouble getting Wells Fargo to issue a payoff demand. I am in Escrow and the buyer is threatening to cancel because we have been waiting 2 weeks to get this information. 
Please help me to get this payoff amount asap. My SSN is XXXX. 
Attached is the Bankruptcy paperwork and Deed of Trust. Thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been requesting Platinum Home Mortgage remove the PMI from my account since XX/XX/XXXX and I am always sent to a loan person to refi. According to everything I have read the PMI is only required to the loan to value has met XXXX %. I have been under that threshold since XX/XX/XXXX. However Platinum Home Mortgage continues to charge me PMI and when I request it be removed they claim I have not met the requirements. The facts are I purchased the home in XX/XX/XXXX at a value of XXXX ( loan amount of XXXX ) making the XXXX % value XXXX ( or XXXX if based off the loan ). I have been well under that mark since XX/XX/XXXX however the Platinum Home Mortgage continues to charge PMI even after I request it be removed. The appraised value is currently over XXXX and has been over XXXX since XX/XX/XXXX when I have began requesting the removal of the PMI. Please help me in having this corrected. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: USAA for some reason insist on not investigating my account correctly. Once my family and I noticed that my Identity was compromised, USAA was notified. We notified them and my account was closed with a day of us noticing, and USAA explained that they will be discontinuing business within a day of noticing the problem. I am being held responsible for all transaction and I have strong reason to believe that USAA did not conduct a proper investigation. I called today to try and figure out where the ATM withdrawal transaction occurred, but after calling a USAA representative explained that he no longer was able to obtain the information for me to correctly file a Police Report to the Officials. I have been very displeased with USAA 's customer service lately, and my family has been banking with them for years. I am being held responsible, and a representative explained that a day prior someone called and impersonated myself using my information. This was startling to us, USAA allowed us to make another claim to review/dispute the decision they made. However nothing has changed and I want to correctly file a report, and ask the Police to look at the cameras of the ATM that was used to commit the fraudulent activity so that USAA and myself may have a better understanding of who is at fault. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This complaint is against MSW Capital, LLC., I sent a certified/return U.S mail request for " notice of right to dispute '' to there business office location MSW Capital , LLC . XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I sent it on XXXX/XXXX/XXXX they signed for it on XXXX/XXXX/XXXX. XXXX XXXX has stated they have had this account since XXXX. MSW Capital LLC is a debt collector. 

Attached the following documents Address verification from corporation reports, letter sent to MSW Capital LLC XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, copy of return receipt certified US mail 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America ATM XXXX located in XXXX. I withdrew {$400.00} and the machine did not dispense money. There was a number on the machine to call to report a problem but it kept looping back to the main menu. I called a different number for the bank and they told me it was n't their problem because my checking account is with another institution. I do n't think they should be allowed to have ATMs in public locations if they wo n't support them. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX I purchased a TV on a credit promo from Best Buy. This XX/XX/XXXX it was due to expire. I called someone at the credit center and asked them why the balance was higher than I thought and did my payments go to any of the promo balance. They checked and said some payments went to the regular balance which was a low amt. I asked her if she could allocate any amount to the promo balance. She checked and she said she could with 2 pmts of {$25.00}. ea a total of {$50.00}. My promo balance at the time was {$350.00} and with that credit it would be now {$300.00}. So I said are you sure it would be fixed and she assured me it would. On XX/XX/XXXX I called the payment center to make a payment instead of making it online as I always do. I talked to someone named XXXX and I told her the story and wanted to make sure the promo was correct so I made a payment of {$300.00}. When I received my statement for this month they charged me {$380.00} for interest charges accrued on the account because I did not pay it in full. I called the credit center today XX/XX/XXXX and they said they can not fix it. They said in their notes they could not fix those 2 payments so my balance was {$350.00}. I told them that I had no idea that it was not corrected and nobody called and told me otherwise. I asked to talk to a manager and she precedes to tell me the same thing that I did not make the full payment so I owe the finance charges. I then asked to talk to someone higher and they said they would have to send it to be reviewed and see the conversation and will contact me at a later time about it. I am sending a written formal complaint to the company but I am afraid that they are not going to do anything because they do not act like they did anything wrong. I would have paid the amount in full if I thought for any reason that it was not adjusted. Why would I pay the {$300.00} on time? If I did not care about the finance charges I could have saved myself some money and just pay the minimum. I do not know what else to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: Purchased a Samung Dryer online at Sears.com. Dryer was never delivered. Received no calls from Sears. Credit card was billed for the purchase. Made four calls to Sears in regards to this, all ending in promises that we would be contacted within 24 - 48 hours with a resolution. Never received a single call from Sears. Issue is now in dispute through CitiBank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was paying out a credit card with a balance of {$580.00}. It suddenly had an increase of & gt ; {$200.00}. I told them it was incorrect, but they refused to listen. This is a Best Buy credit card issued by Citibank , N.A . They are now calling my work about 10 times a day. The front office worker is getting very upset. Everyone has told them to stop calling, but they wo n't. This is serious harrassment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not have a CitiBank credit card. I have never had a CitiBank credit card. Yet, this company keeps calling me regarding my supposed " account. '' Today, they awakened me out of a sound sleep at XXXX. PST. I am recovering from XXXX, and did not appreciate being awakened. I looked on the CitiBank web site, and did not see the phone numbers that were left for me. I was told to call " XXXX. '' The phone number on my caller ID was " XXXX. '' I am also on the " Do Not Call '' Registry. I would like to know where CitiBank got my private, non-published phone number, and why they think I have a supposed " account '' with them. 
In addition, I discovered in 2015 that I am the victim of major identity theft. If someone opened up a fraudulent account with CitiBank, using my name or personal information, I would like to find out. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a Bank of America core checking account XXXX 2016 in response to an email offer that provided a bonus of {$100.00} if XXXX direct deposits of at least {$250.00} each were made within 90 days of account opening. It also says that after meeting the requirements " BOA will make every attempt to deposit the bonus within 60 days. '' However, after questioning BOA reps two times now via chat, I 've received conflicting information. Some say there was no chance of the account even being considered for the bonus until 90 days have passed, some can not tell me what bonus my account is coded for, if any. I was even lead to believe by the first representative that I should see the bonus within a week. That has not happened. I understand that I 've met the terms as of XXXX/XXXX/16 ( my XXXX qualifying employer direct deposit ), so I would look for the bonus by XXXX/XXXX/16. No one has provided that date, and instead make it seem like BOA could wait months after. If that was the case, they should have stated so in their offer. I just want the date I will receive the bonus, otherwise, I am sure I would have ended up submitting a complaint after another several weeks of being given the run-around after XXXX/XXXX/16. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: As on all XXXX of my credit bureaus XXXX has filed inaccurate information on me, they refuse to remove it but underBy its very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. Two FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ). 
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). This information has to be removed or I am going to sue XXXX for false inaccurate information. This needs to be done ASAP 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On more than one occasion I have requested for the Dispute department to contact me. They have yet to do so after hours on the phone with them and promising phone calls. They are reporting inaccurate information to my current Ally Auto account causing derogatory marks on my credit file with XXXX, XXXX and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: It just hit me yesterday, XXXX posted a late payment notice on all credit reporting agencies. Not true. I 've paid them autopay for 32 years. Had a problem with XXXX XXXX, XXXX, XXXX on or about XXXX XXXX, 2015. I paid estimate and then cancelled due to a problem. I never used them to move me from FL to AL. 
The movers finally settled and I have the legal document they signed XXXX/XXXX/15 ; I signed on XXXX/XXXX/15 and sent copies to all executives at XXXX in IL and their Dispute Center and no one every confirmed receipt. About one month later I have a printout that shows XXXX transactions for {$1400.00} and {$540.00} ( XX/XX/XXXX, XX/XX/XXXX ) were REPOSTED again by XXXX -- there are XXXX some kind of ID # XXXX that probably would identify who these people are that REPOSTED the XXXX items, but it 's obvious to me that XXXX XXXX who says he 's in the President 's Office has n't even attempted to look into what I told him when he lied to me that the Alabama Attorney 's General did not give him enough information in their letter. I received a copy of that letter the next day and all the information was in it that I gave them. XXXX XXXX takes information from previous messages back and forth I had with their Dispute and Corporate Inquiry Departments. Desa of XXXX Dispute told me to stop sending messages!!!!!!! 

I have XXXXXXXXXXXX who say they work for the US government on debt collections reviewing my case and am awaiting the results this week. 

When I thought all was okay again, I made some purchases, but when I saw those reposts I panicked but even with the purchases I made they still owe me a refund of approximately {$250.00} plus {$50.00} cash back. I think all the employees at XXXX was passing the buck. There was one gal XXXX who seemed like she wanted to help me -- said she 'd call the next day at XXXX XXXX and never did call!!!!!!!!!! She 's the one that alerted me to the fact the charges were not authorized by me. I call that fraud!!!!! 

I 've been in XXXX treatment in XXXX and XXXX for a year now and have endured the stress and anxiety of wanting to go home to XXXX and I ca n't go to buy a home because XXXX has done this cruel thing to me. 

I 've also been abandoned by my son and I live in a very desolate area on a lake, no neighbors, asked for help from every agency I know and got nothing. 
I will survive being a recent widow on top of everything else. 

Company response: Company chooses not to provide a public response
Consumer complaint: Greetings, I formerly held a XXXX XXXX XXXX, administered by Barclay Bank. After the merger of XXXX XXXX and XXXX XXXX, my card was converted to an XXXX XXXX " XXXX. '' I did not receive the card in the mail. I did not receive the terms and conditions by mail, email or any other way. I never possessed the card. I did not activate the card. Regardless of this, XXXX converted my autopay settings, which provided automatic payments from my XXXX checking account. They charged me an annual fee on the card I did not apply for, did not want, did not possess, and did not activate. Then they collected partial payment from my checking account and began to charge interest on this annual fee. It took a few months for me to notice, but when I did, I called and requested that the card be cancelled immediately. They promised to cancel it. It was not cancelled. They continued charging me fees, interest etc, and taking money directly from my XXXX checking account. I called again, and requested to cancel the card and a refund from all fees/interest charged on this card. They refused, and I asked for at least a refund on payments that took place after I called to cancel the card and they failed to cancel it. In short, I was charged an annual fee + interest + servicing fees for a card I did not apply for, did not want, did not possess, and did not activate. Is this legal? I would like to file a complaint against Barclays Bank, XXXX, and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I HAVE A CREDIT CARD FROM BARCLAY BANK. IT IS CALLED AS EXTRA POINTS VISA. THE STATEMENT OF THIS ACCOUNT CLOSE ON XXXX OF EACH MONTH. I DID NOT GET MY LAST MONTH STATEMENT TILL TODAY. I REQUESTED THEM SEVERAL TIMES. BUT I HAVE NO RESULT. THE CUSTOMER SERVICE OF THIS BANK IS HORRIBLE.THEY HAVE NO RESPECT FOR CUSTOMER. THEIR CUSTOMER SERVICE IN XXXX IS VERY BAD. THEY TREATS AMERICAN CUSTOMER LIKE A DIRT. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This Complaint is regarding the United State District Court Judge XXXX XXXX XXXX. On XX/XX/2015 the above Judge ordered saying that the Defendant [ Green Tree Servicing / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX [ Attorney General office of the State of Mississippi ] has attempted to resolve this dispute without court action the Attorney General XXXX XXXX never tried to resolve this, never tried to show good cause and has been illegal day XXXX. It has been [ NO ] federal court cases regarding this illegal Corp. in the State of Mississippi. Now we have an illegal Federal Judge XXXX forgetting the People that was hurt by this corp .My address [ was and is ] XXXX XXXX XXXX XXXX , Mississippi .This corp. and its illegal Lawyers deals in the Mississippi Courts illegally, Sends illegal papers of foreclose of properties all day long, Never have an Judges order never. But that illegally transfers Deeds from State to State wrongfully and Federal Judge XXXX XXXX XXXX ca n't read that! NOT even the illegal Federal Lawyers can, t read this [ WHY? Who Got Paid Off? ] This federal case cost the people XXXX dollars for what? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I wrote ECMC on XXXX asking for legal validation of this debt. It has been 30 days and they have not responded. 

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