AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am filing a complaint against Experian because I am unable to remove the Security Freeze, from my credit report, I have try in the pass years on Experian website with my personal identification number to remove the Security Freeze, and attempted to pay the fee with my debit card and system was unable to process my request. I was told by the website system to provided document to prove my identity and I may send the requested documents by mail or upload to the link that was provided. I have upload the required document ( s ) to assist Experian to resolve my problem, and the system still denying me. I call the corporate office at Experian at the XXXX XXXX XXXX XXXX and I was told that some consumers experience the same error when uploading document, and some the document are received despite the error. I was then transfer to another representative who can check and see if the documents was received. When I was transferred to XXXX in consumer services, I explain what was going on, I then asked to speak to a supervisor because he was not helpful, I kept asking him are you denying me to speak to a supervisor, he kept repeating " can I ask you why you need to speak to a supervisor '', I became frustrated and hung up the phone. I call back and I was transfer to a supervisor where I was on hold for 45 minute and I hung up. I have attached copies of documents that was uploaded to Experian website along with a letter to Experian. 


Thanks XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm a previous customer that completed an approved Short Sale in 2015. I received my XXXX yesterday in the mail, it is incorrect. I made ( 4 ) separate calls to Citi Mortgage this morning, where no one could assist me apparently. I spoke to XXXX associates in Loss Mit and XXXX associates in Customer Service and XXXX Customer Service Supervisors. 
I was advised that by no means could I receive any kind of assistance from Loss Mitigation and to contact XXXX, this is the contact number that I used to reach them already. They stated not able to assist me there and placed me hold and the call dropped. The issue with the XXXX is that it shows the amount the house was bought for rather than what was still remaining after sale, ( deficiency amount ). 
This information has also been sent to the IRS and I 'm quite honestly appalled that better controls are not being practiced and performed to ensure that at minimum I ( the customer ) and the IRS are not being misinformed. CitiMortgage seems to not be able to communicate or reflect clear conscise information about the status of my loan. Per customer service it shows as closed, no further information. On the XXXX it shows foreclosed and when speaking to Loss Mit it shows completed ( short sale ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I try to replace my lose of XXXX due to relocate from XXXX to XXXX on XXXX/XXXX/2016, in order to get the new drive licence and passport. I accidently log on XXXX which has a Liberty Statue and looks like a real government cite, I did not doubt and asked to prepay {$170.00} to get start the process. I provide my credit card information and follow the questions, I did not notice this cite is not government official cite until my daughter gave me the XXXX web cite. We found out it only require to write the check {$340.00} filing fee for the Form XXXX, I call XXXX to XXXX XXXX XXXX ( XXXX ) for asking why I have to pay extra {$170.00}? I just got the answer of yes, I have to pay extra {$170.00} to process the filing form. Then I call Bank of America billing dispute department ( XXXX ) to stop payment {$170.00} and mail me a new credit card, the associate told me it 's pending now, I have to wait 5-7 business days call back to get the refund and BOA will protect customer 's right. I call back yesterday XXXX/XXXX/2016 and the associate told me the only way to get the refund is to call XXXX. I call several times waiting for the chance to get the answer from XXXX, XXXX offer refund {$80.00} from staff then {$120.00} from supervisor and I have to drop the dispute filing and provide BOA XXXX name and phone number first. I call BOA again and associate wo n't give me the name, he remind me the better way is to drop the case and I will expect to get no money back. I call uscia.gov the agent gave me XXXX then contact consummerfinance.gov to get help. I had been suffer frustrating calling BOA and XXXX several times, I do n't know what to do, please help me to get my {$170.00} back. Basically, I just mislead to prepaid XXXX own money {$170.00} and fool around to gave away all my personal information to XXXX, my daughter help me to apply the XXXX Form XXXX with {$340.00} check via certified mail on XXXX/XXXX/2016. I did not have service from XXXX and BOA did not protect customer from fraud dispute. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had difficulties making ends meet and paying the mortgage since my mother was moved to a XXXX. I contacted the bank to try and reduce our monthly payments years in advance which was approved but the second time around they are telling me a different story and my calls to the banking institution was handles by individuals that provided enough information to identify them but their case notes are n't on file. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently realise on my Best Buy c.c. That i been charge beside monly interest for payment protection incurance. I seen it years ago but i was new credit card holder and dint know much how it works ( i have best buy c.c since XXXX ). Anyway i disade to call casumer service and ask ( XXXX/XXXX/XXXX ). Thay explai that i am paying that just in case i am not able to pay min montly payment they cover it ... I dont think so i ever sing up for that service and i ask for refound ... She submite a claim form and i should have answer by 30days. I logg in today and saw refound of XXXX $ and XXXX $ ( Only ). I call again and have answer that i been charge for last tree months only and i have my refound back! Answer was i been charge for last tree monts only and i never been charge before! ( i dont know why would that seriuse company resove a problem with a lie ) .i been charge for a years for that service, and i want refound for every pany i payed without singing on and knowing that i been chrge for something that i never use or knowing what is it! Also i see that they change my acc # last year before change my acc # was ending XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I made a purchase with my Macy 's American Express account in XXXX XXXX for {$48.00}. I would get my statements delivered to me through my online banking service. When I tried to use my card again in XXXX XXXX, it was declined so I called the company. They said my bill was 2 months overdue. I explained I had not got a statement at all and I did not use the card monthly, therefore, I did n't track whenever I was supposed to receive a statement/make a payment. They offered to forgive {$19.00} of my fees/interest charges. I had always paid my bill on time in full. In XXXX, my credit union switched to a different online bill pay provider, but my credit union stated that Macy 's should have sent me a paper statement. I called Macy 's American Express again and this time I was told that there had been a letter sent out in XXXX stating that they were no longer going to be sending statements electronically through my credit union 's bill pay. I do not recall receiving this at all and what I do not understand is why the company never sent me any statements until I asked them to. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I own many rental properties, and nearly all have washer and dryers for the tenants. We needed a washer and dryer for a unit so I went to XXXX to buy them on XXXX XXXX, 2015. The sales clerk advised me that I could save 5 % if I immediately opened an account. I did so. Upon receipt of my bill, {$3200.00}, I paid the bill in full by sending a payment to XXXX. 
Now I see on my credit report that XXXX is claiming I failed to pay on time and that I failed to pay a late fee. I was never advised that my payment was late, and did n't know of the issue until I recently received my credit report. I want this deleted from my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My husband and I opened a joint account at Macy 's in XXXX XXXX when we were in the process of purchasing XXXX item. It was opened at the cash register and cards were not given to us. In XXXX we received a bill for the item and paid for it fully. We never received the credit cards but did n't think about it because we opened it only to purchase XXXX item. In XXXX XXXX we received a bill for {$1700.00} ( full amount of credit limit ) on the account. We had made not further purchases. I called Macy 's and reported it as fraudulent. The customer representative told us not to worry - that we were not responsible for the charges. In XXXX XXXX we received a letter stating that we owed {$1700.00} and that we were being reported to collections. We called and were told we needed to talk to someone in that department. We were put on hold for 15 minutes. We hung up. We mailed and faxed a letter with documentation with the help of a Macy 's manager on XXXX XXXX. It is now XXXX XXXX, XXXX and we have not received any response. However, we continue to receive automated calls from Macy 's. They are continuing to hold us responsible for the card. We did not activate the cards, nor did we sign for the disputed charges. We are in a cycle of bureaucratic ineptitude. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We are happy that this obligation is now behind us, please note the damage to my consumer credit 1. Credit report agency -Experian is showing this legal item of {$600.00} paid, 2. Credit report agency -Equifax is showing this as legal item not paid Requesting complete removal of this item 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America recently held a check of mine for approximately two weeks without any warnings. They did this another time for around 5 days, also with no warning. This caused me all kinds of aggravation and fees from them as well as vendors that I made payments to. This has made me problems in personal as well as business accounts. They also repeatedly put my checks through twice even though I never asked for it and they charge me XXXX fees per check. I discussed this several times with personal bankers and got nowhere. I have now told them that I am done banking with them and have taken my business elsewhere. I asked them to close my accounts and send me a bill. Instead they keep my accounts open and keep racking up more bogus fees. Now for some reason they have a recording calling my PARENTS house several times a day. I do n't think I ever gave them that number and I need them to cease and desist. They should also remove all these fees from my accounts but at a minimum stop the harassment. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit statement was set up for e-billing however, Macy 's American Express, for some reason did not have have e-mail address on file to send the bill. I confirmed this when I called Macy 's credit department. I discovered that they had put a 30-day late payment on my credit report through my XXXX XXXX notification, but Macy 's had n't tried to contact me in any other fashion. When I called them and asked what charges could be on my card they said there was XXXX charge in the state of Washington, a place where I have never been. They said on or around XXXX XXXX, 2015. I was in XXXX XXXX at that time. I have receipts to prove this. They added late fees even though I was never notified. If they had had an e-mail address I would have been alerted to the fraud. Now I have to wait 7-10 days before I receive a fraud report to send back to them. Macy 's says it will take 90-120 days for it be investigated, and another 90-120 days for this to be taken off of my account. Plus I paid the bill so it would n't continue to hurt my credit score. And I 'll have to wait 6-9 months before this is removed from my credit card account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I disputed BARCLAYS BANK DELAWARE as a Fraudulently account. 
I sent them a Police Report & Identity Theft Victim Complaint and Affidavit to let them know that I 'm a victim of ID Theft. I notify all three credit report agency about this account.They have been remove from XXXX of the credit report agency. But on XXXX it 's still showing. So I call the XXXX Fraud Department about this account and they told me that BARCLAYS BANK DELAWARE said my name & SS is still the same. And I told BARCLAYS BANK DELAWARE that I am a victim of ID Theft. I disputed this account XXXX/XXXX/2016 with XXXX Account # XXXX they are the one I contact first about this account.And I contact BARCLAYS BANK DELAWARE on XXXX/XXXX/2016 and XXXX.I talk to XXXX about this account he stated that he need to talk to the officer about this account. This suppose to took place two week ago. I talk to him again on XXXX/XXXX/2016 he said the same thing that he said two week ago. And he were being disrespect to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Sent XXXX paperwork in multiple times. When they finally acknowledged receiving the paperwork they started the process. Half way through they closed my file in error which started the foreclosure process. Rarely received responses to my calls/emails. Values began to go up, so decided to sell property and get rid of the stress. Took 7 weeks to get a payoff amount. Based the sale of the property on that amount. Property sold. A week later mod was approved adding XXXX and 10 years to balance. Proceeded with sale. 2 mos after original payoff amount was given and property was in escrow they increased the payoff by XXXX. The mod would have only hurt me more, and the increase in payoff ended up hurting me anyway. I walked away with nothing and now have a huge capital gain bill to pay which I would have paid with any proceeds I would have had. The mortgage was discharged in Chapter XXXX but the tax bill will not be. Job loss and medical issues created this situation. I thought selling and paying off the bank would be the right thing to do and would be better than a foreclosure. This bank knows how to play the game and the modification process and offer was really a joke being played on me! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I sent an Affidavit of Identity Theft to Trans Union and it was received by Trans Union on XXXX/XXXX/2015. After the agency received documentation, I never received an investigation status or result. Additionally, Trans Union did not respond to the request but XXXX and XXXX did. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested to have my loan re-reviewed for a modification with the new information I have provided on XXXX XXXX, 2015. I was told on XXXX XXXX, that my loan would need to be placed on the system for re-review. It has been over 30 days and I have not received a phone call or any correspondence regarding my request. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 I borrowed {$3000.00} from the Cash Store # XXXX. 
On XXXX/XXXX/15 I went to payoff the outstanding balance with a cashier 's check but the representatives at the store would not take my payment stating that a an ACH had been processed on the same day for {$730.00} to my Bank account which they had not received confirmation if it was paid hence unable to give me a payoff quote. I went back to the store again on Saturday XXXX and Monday XXXX and they still would not take my payment. As result I incurred an additional {$180.00} in finance charges. Furthermore, I find it very deceptive to show an APR of 9.75 % on the promissory note yet there is an CAB fee which is assessed as a finance charge which increases APR to the unconscionable rate of 581.72 %. It cost {$2500.00} to borrow {$3000.00} for 43 days or so - outright exploitation! 

Company response: Company chooses not to provide a public response
Consumer complaint: My bank told me that they were n't legally obligated to keep the balance of my account current on their website. Specifically, pending transactions will post only a certain amount of days ( showing the real balance ) until they are dropped, after which the balance no longer reflects the pending transactions ( showing a false balance ). The problem is once they pending debits are dropped from the online statement ( even though they are still pending ), they are removed from the balance, removing those debits. 

I thought I had positive balance when in actuality I had a negative balance because what was on the website was not the real balance. I attached my last withdrawal, when I thought I had enough in my account to do so. I would have taken out less cash if I had known they took the pending debits off my balance. That 's trickery they used. 

I ended up being charged overdraft fees and then extended overdraft fees that added up to around {$150.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed bankruptcy in XXXX XXXX. I often check my bankruptcy summary to make sure all payments are being applied. I recently noticed that Citimortgage placed an arrearage in my bankruptcy for the amount of XXXX. I called to check the situation and was told that I owe for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for which I have bank statements where I paid for the months mentioned above. I also received a statement that states I am to receive a surplus check in the amount of XXXX, that I will not receive because all my payments have not been met. As mentioned above, I have bank receipts for the months mentioned above with the exception of XX/XX/XXXX. I have corresponded with XXXX XXXX XXXX who has only responded to one of my emails. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received an escrow analysis from my mortgage servicer Loancare on XXXX/XXXX/XXXX. There was a check for {$170.00} for overpayment to escrow. Then I notice, they raised my payment by almost {$100.00} per month for an anticipated escrow shortage for XXXX. Looking closely at the analysis, I saw a gross miscalculation on what my next years taxes would be which is why they were raising the payment. I checked with XXXX to assess what the taxes would be and was correct that Loancare made a gross error. I called Loancare immediately and sent concern via email. Email went unanswered. The agent I spoke to could see the error and requested a new escrow analysis. 2 weeks later I received a statement still indicating the wrong payment amount and no info on the new analysis. I called again and was told the new escrow analysis would not be complete till XXXX XXXX. I expressed concern about my XXXX payment. I was assured it would be done in time. Checking account on XXXX XXXX showed no change. I did send a payment of {$1200.00} which was less than the statement, but more than what I should have been charged to cover escrow and called again ( XXXX XXXX ) I was assured they knew of the error and they were working to correct. Today, they show receipt of my payment, they took PMI ( which I 've asked to be removed since my loan to value warrants, but they say they can keep charging for the first 12 years of the 15 year loan ) but have not applied the rest to my account. Now I 'm afraid my credit rating will be damaged because of their error and their lack of attention in getting resolved in timely fashion. Tried to call today to check status and was on hold for 20 mins. Gave up. 
They are already holding way more of my money in escrow than allowed by law, and now endangering my good credit rating by not applying the payment I made. I am in progress of refinance to get away from them. But you should know, this company seems to have some very dirty practices in taking and holding customers money. 2 months to resolve an issue like this with as many calls as I 've made to them is incomprehensible. They do not respond to requests and issues made in writing either. 
Even if you ca n't help me, LoanCare 's practices and customer treatment should be looked at. I would bet I 'm not the only XXXX they 've done this to. 
Feel free to contact me if you need more info. 
XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, I pursued assistance from Wells Fargo mortgage through their loan modification program and home preservation program. I was experiencing financial hardship and pending a XXXX retirement from XXXX. I was instructed to not pay what I could on mortgage payments because it may jeopardize qualification for Wells Fargo mortgage home preservation program. I continually submitted requests for information from Wells Fargo mortgage for home preservation program without any acknowledgement of acceptance into the program from XXXX XXXX, XXXX up until my pleading letters XX/XX/XXXX to keep home. I also attempted to seek assistance from Department of Veterans Affairs due to pending XXXX XXXX rating from XXXX injuries sustained during XXXX XXXX. Neither Wells Fargo nor Department of Veterans Affairs assisted in advertised home preservation or assistance programs. I was never contacted nor did I sign for served foreclosure documents. I was living in home and had all intentions of keeping home, but desperately needed assistance and all programs were a false sense of hope. I was thanked by Wells Fargo for documentation 8 days prior to auction of my home XX/XX/XXXX. I was attempting acceptance into home preservation program from XX/XX/XXXX until the following XX/XX/XXXX. The timeline of foreclosure, false programs for home loan modification and preservation, fees on foreclosure, amount house was auctioned for, to whom ( Wells Fargo Bank ), the Dept. of Veterans Affairs lack of assistance and advertisement of false veteran homeowner 's assistance, and the fact I lost my VA home loan in foreclosure. The XXXX. of XXXX XXXX nor Wells Fargo have contacted me about foreclosure since my 3 day eviction notice XX/XX/XXXX. 
Wells Fargo misrepresented information relating to a loan modification and home preservation. The Department of Veterans Affairs also misrepresented home veteran homeowner 's assistance programs that did not exist. The Wells Fargo mortgage did not provide a written decision of denial, explanation of denial, or any alternative loan modification or preservation options. All departments involve in home loan and home loan assistance need further investigation for unsafe and unsound foreclosure practices in Wells Fargo mortgage and Department of Veterans Affairs. 

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