AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX acct approx. XXXX to XXXX. Several attempts with service problems unresolved with repairmen & {$60.00} modem/router XXXX said we needed to fix problems with my opposition stating that was not the problem. The modem/router did not fix the problem ; with multiple unresolved calls to XXXX to return and get reimbursed for the machine..they could not give me any info to send it to and would not remove the {$60.00} charge from my bill. I tried to return the machine to local XXXX store but they had no way to return it nor any info to help me return it either. I do not know what was wrong with XXXX about this issue. Wrote letter with no response..talked to different departments and supervisors without resolve. The last time the internet was out & reporting it for service once again ; the tech did not show up and XXXX had no records of appointment. I then told the agent to disconnect the service that was totally dead again. The acct should have stopped then with the bogus {$60.00} nonreturnable machine ... but att kept billing me and no resolve with the worthless machine. I still have the machine and packaging. I was shocked by this service from XXXX. I then went to comcast with a higher bill for service. I need a disclosure of verification of debt. Plus this debt has been reaged with false information on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When I called into payoff my existing balance on my loan for my Spotloan account on XXXX/XXXX/16. They told me that they are unable to process my payoff until XX/XX/XXXX so that they could collect more interest on my account. Since my finance rate is very high, I thought the process is unfair. 

Cordially, XXXX 

Company response: Company believes complaint relates to a discontinued policy or procedure
Consumer complaint: cosigned for a loan for XXXX. she had all cash in bank at the time to pay off loan. 
when I read the information they had changed that XXXX lived me which she did not and that she worked for me which she did n't. she then paid off loan after ally finanancial said the transaction would happen immediately and then XXXX removed the funds from XXXX bank and took possession of car. Ally financial did not let me know till nine days latter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation. I believe this to be a HIPPA violation because at no time have I given any of my medical providers permission to share any of my information with anyone 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX is debt collection they keep calling we do n't have any debts we want them to stop calling us 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/XXXX I noticed a debt on my credit report from First Bank XXXX. I proceeded to call First Bank and they informed me it was for a checking account that I had a year ago? I never opened a Checking account with First Bank a year ago, my credit report states it was opened in XXXX. I then asked why I owed so much and they informed me it was due to fees and interest. I informed them i never agreed to these fees and interest, or never signed anything agreeing to those costs. I then asked them if we could settle the loan and they informed me they do n't settle anything outside of 60 days of the debt being charged off. I feel I 'm being treated unfair and discriminated against. The reps I spoke to informed me that they reached out to me 60 days after and were n't successful in getting me to pay. I never received XXXX letter or call in regards to this debt. I 've also taken note that there 's public record proving First Bank has settled other debts with other consumers pass the 60 day mark and they informed me they never have and never will. They sell of debt that goes to third party vendors who do it all the time. The branch i discussed this with refused to acknowledge this and refused to provide me proofs where I signed, and acknowledged the fees that came with this Checking account. These type of practices should n't, and cant take place with. I feel because I 'm XXXX they 're treating me as if i 'm note educated and have no clue what I 'm talking about. I again would like them to produce documentation that I singed, and agreed to these fees that came with the checking account along with proof that they 've never, ever, accepted a Settlement on any post charge off accounts that exceeded 60 days. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Two months back I had a balance of {$84.00} on my XXXX. Due to a family medical emergency, I could not attend to paying off this amount of {$84.00}. For that, XXXX XXXX did not even contact me thru email, phone, mail or text message and blocked my online account. So, when I tried to login, I could not and had to spend XXXX minutes over the phone to just access my account. Then XXXX XXXX, goes and reports to the Credit Bureau that I am 60 days past due. 
All my years of building a sound credit history has been hampered by XXXX XXXX customer / account maintenance service. Just want to remind that I took a loan amount and also paid it off well in advance ( 2 years prior ) and yet XXXX XXXX has gone and complaint like a child to the Credit Bureau. 
It is a shame that a Bank/Credit Card company like XXXX, can resort to such cheap tactics of hurting the customer for a {$84.00} unpaid balance. For such a reputed card company, would it not have been courteous to check with the customer and see what is happening before resorting to reporting to the bureau. When I have paid all bills prior to this for 10 years promptly with XXXX XXXX that is 120 monthly payments, should missing XXXX payment reduce my fico score by XXXX points? Also, on my other XXXX XXXX, I had a rewards balance of {$93.00} enough to cover the amount for {$84.00}. Yet, XXXX XXXX did not contact me thru. This does seem like a personal vendetta against me by some employees of XXXX XXXX who know me in person. 

Hence, I have decided, that from now on, I will never use your credit card. Neither will my family and would strongly encourage people to stop banking with XXXX XXXX. Also, social media is a powerful tool and I will mention to all my friends and to the world, how cheap XXXX XXXX is ... 
Today would be the last day that my family would use any XXXX XXXX product. 

XXXX XXXX has a lot to learn from other banks who give a XXXX time chance to the consumer. It is shame to bank with XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my home with Paramount Equity and used the money to pay my credit cards. Part of the requirement by underwriting to receive the loan I was told I had to close all of my accounts. I was also told to not pay any bills during the process of the paperwork. They had a third party person I had to contact so Paramount could verify I had closed my accounts. Today I found out that this process had ruined my credit rating and that this process was illegal. I am XXXX years old and I feel I have been taken advantage of illegally. The people I talked to today told me that this was the reason my credit score plummeted. He told me my score was under XXXX on XXXX score and the low XXXX on the other XXXX scores. He told me my credit score was near XXXX until this was done. Can I get some help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bloomingdale 's continues to charge $ XXXX/month as " minimum interest '' when I have no outstanding balance on my account. They even reduced my credit line for not paying this {$2.00} charge. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: As the subprime mortgage crisis was peaking during XXXX, we relocated to XXXX in XXXX, XXXX, for employment purposes and executed a home mortgage on a residence here. With the increases in loan demand due to easy initial lending practices during that period, housing demand was sharply stimulated to exceed housing supply and, unbeknownst to me at the time, my XXXX mortgage was based on an artificially-inflated property appraisal value. 
This subprime mortgage crisis was a nationwide banking emergency that coincided with the US recession of XXXX XXXX - XXXX XXXX. In XXXX and later, financial settlements with homeowner mortgage relief components were reached with major financial institutions, regulators, and credit agencies to settle claims related to unfair, deceptive, and fraudulent predatory lending practices during this period. A list published in the XXXX XXXX XXXX XXXX ( XXXX ) shows the Biggest Bank Settlements. 
I, like thousands of other Americans, still need your help with mortgage principal reduction programs. We 've paid every monthly payment so far, but now that I 'm recently retired, my monthly mortgage payment has become an increased burden for us at nearly XXXX percent of my monthly budget. 
In XXXX XXXX, XXXX XXXX took on HUD and FHFA for their failure to act : " These XXXX XXXX investors made money by crashing the economy, got bailed out and now they 're back to feed at the trough again, scooping up these loans at rock-bottom prices so that they profit off them a second time - and it is up to us to stop that! '' She scolded FHFA chief XXXX XXXX for postponing action on principal reduction for struggling homeowners. 
We need your help to restore the middle class and promote " true '' economic growth by returning " stolen '' money to those who were " robbed '' by greedy financial companies during the subprime mortgage crisis. You can make a real contribution to the American middle class, rather than to Wells Fargo Chief Executive XXXX XXXX 's {$19.00} XXXX in compensation by acting NOW. 
To date, I have n't received a letter, telephone call or any contact information explaining how any of these and other settlements with financial institutions, regulators, and credit agencies will provide my family with mortgage principal relief on my bloated XXXX home mortgage. I 've been contacting my elected officials about this issue for more than three years and they have been unresponsive and dismissive. Now I read in the XXXX ( XXXX XXXX, XXXX ) that accumulated US Justice Department fines from these settlements might be diverted quietly to other budgetary needs. 
Apparently the Consumer Financial Protection Bureau is our only hope. Where are all the funds from these settlements now? How can I access the funds from these settlements for mortgage principal relief? 

Attachments : 1 ) XXXX XXXX XXXX ( XXXX ) shows the Biggest Bank Settlements 2 ) XXXX XXXX, XXXX XXXX took on HUD and FHFA 3 ) 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: they have place a debt on my credit reports of XXXX and did not call me or speak to me. plus they did not send me any verification of this debt. contract or anything. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Memorial Day 2015, our home was flooded due to a declared national disaster. Since then, Flagstar Mortgage has received well over {$170000.00} in insurance funds. I submitted documentation to pay the mitigation company and eventually had a check issued for {$28000.00} to that company. Leaving +/- {$140000.00}. We have processed no other claims. We had a contract to sell the house. I called Flagstar to get a payoff requesting they take the insurance proceeds and apply that to the principal. They refused to do so. As of yesterday, the loan has been paid in full, and when I called today to find out when I will receive the {$140000.00} of funds from the insurance proceeds. I got switched around between the insurance claims area to the corporate office and neither can tell me the process. They also will not wire me the funds but instead insist on mailing me a check for this amount which I find unsafe and unreasonable. The loan was paid off prior to the date on the payoff letter. I asked how much of that interest would be refunded to me. They also could not tell me that because although they received the payoff via wire on XXXX, they do not have to credit the account for 48 hours. They are making an additional few days ' interest off of me although they have the money. 
I was told when I first called the mortgage company days after we flooded that insurance funds would receive interest on the insurance funds. Now they are telling me they are not required to pay interest on these funds that they have held for many months. The people I speak with have no understanding of how their own company works and no interest in helping. They are sitting on this amount of money for no less than 8 months and do n't pay interest although they said they would?! Ridiculous. They want to mail a check for XXXX? Ridiculous! Ca n't tell me when they will even mail the check! 
In addition, I told them they would need to mail the check to our new address and they said they will only mail it to the house that is now sold. I DO N'T LIVE THERE anymore! I sold the house! I feel like I am intentionally being run in circles just so they can keep the money for longer. I am sure they are earning interest on it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was misled into believing the credit reporting service of Experian and XXXX was a one time charge instead of subscription, and was charged recurrently. 
I tried to cancel my service, and both agencies have very difficult websites to navigate for a simple task that I assume most who visit their websites intend to do. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian XXXX XXXX XXXX, TX XXXX I recently pulled a copy of my credit report on-line and found that you are reporting the following delinquent account ( s ) that are past the 7 year reporting time as allowed under the Fair Credit Reporting Act. The following account ( s ) should be deleted immediately : Creditor : XXXX Account Number : XXXX Date of Last Delinquency : XXXX XXXX Delinquency by XXXX XXXX XXXX Judgment was paid on XXXX with XXXX XXXX Reporting time expire in XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I request Experian remove the California tax lien that was filed and recorded in error from my credit report. I have tried to get this problem resolved by a dispute with Experian, and that did not resolve the problem. My credit report is inaccurate as a result, and this impacts my ability to apply for credit, and increases the price of credit instruments if I qualify for them. 
Experian claims they will only remove a lien if it says withdrawal or filed in error as the title of the document. California does not provide such notices. There is no statutory mechanism to withdraw a lien in California per the CA Franchise Tax Board ( FTB ). California code requires the CA FTB to document liens filed in error by a statement on the face of a release document, instructing the county recorder that the lien was recorded in error. As a result, no form available from the state of California would meet the Experian internal policy for removal of a California state tax lien filed and recorded in error since the only thing they consider is the document title. This is unacceptable. 
Experian can only report a valid recorded lien. If a lien release includes the legend " recorded in error, '' that means that the underlying event Experian reported was never reportable because the original recording was in error. The only way to correct the credit file is to delete the record that was created by the erroneous recording. 
The CA FTB website at XXXX confirms this line of reasoning, stating : " If we file or record a lien in error, we will : Release a lien as filed in error to the applicable county recorder 's office or California Secretary of State. 
Notify the credit bureau agencies and ask them to remove the lien from your credit bureau report. '' The CA FTB has notified Experian the lien was filed and recorded in error, and requested removal of the lien from my credit report. The CA FTB action was as described on their website listed above, and supported by the attached documentation. 
Experian did not comply. 
I attempted to get Experian to remove the lien, and provided supporting documentation. Experian did not comply. Experian disregards requests for re-investigation for a previously disputed item as described in the attached dispute cart printout. The Experian suggestion that I can add a consumer statement to the lien does not fix the negative impact on my credit score, or decrease the price of credit instruments if I qualify for them. All of this is unacceptable. 
Experian is the only credit reporting agency that continues to report the California tax lien on my credit file. XXXX and XXXX removed the item based on the same release with notation the lien was recorded in error. 
As a result of the above, I seek CFPB assistance with this matter. 
Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I bought furniture at rooms to go who have Synchrony Bank handling the financing, after a return and exchange because defect my bills started to oscillate every other Month, I have tried to talk to the bank but was never resolved. They charged me fees because the full amount was n't send even though they did n't have the same amount, I believe they are not charging the right amount since my loan does n't have interest until 2019 but I already paid {$1500.00} and balance still {$2000.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This Company Alpha Recovery is trying to collect a debt from a credit card, i agree to pay and start making payments in 4 weeks because i am in financial problems, person on the phone call in every day 6 times to my cell phone and 3 times to my work phone, even after i ask to please do not call to my workplace. Person in the phone introduce himself as a XXXX XXXX, called today and start yelling me to get the money today one way or another 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the final time going to let Bank of America know that I have indeed submitted insurance information and documentation to them. It was submitted via the CFPB in XX/XX/XXXX and it was one of the complaints that BOA simply did n't read ( obviously ) and simply provided a cut and paste response. The consequence to this is that Bank of America is falsely accusing me of not paying my full mortgage, which I have been paying, and plain and simple, Bank of America is wrong, that information/documentation was provided, it 's well documented, Bank of America was just negligent in handling the information ... I 'm writing this message/complaint just as further documentation that Bank of America was provided the information and it is now up to Bank of America to make the many corrections to the account as obviously all balances are incorrect, there should be no fees, the account should be adjusted and returned to where this never occurred ... 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX XXXX, I received notification from a Macy 's Department Store Assest Protection Specialist in Flordia stating that XXXX individuals were found using my Macy 's credit card and charged {$1000.00}. I called Macy 's credt department ( managed through City Bank ) and reported that my credit card number had been stolen since the physical card was still in my wallet. They sent fraud documentation which was promptly completed and returned. I was told that the investigation could take up to a month and that I should not pay the bill on my Macy 's account. Further more, it was explained that once the investigation was complete and the fraud was confirmed the charges would be reversed. 
In XXXX, I called Macy 's credit and asked for an update into the investigation since my account was still showing as overdue. They stated they had no record of the investigation but saw the documentation and would escalate it to a supervisor and I would be contacted within the month for a resolution. 
In XXXX, I called Macy 's credit and asked for an update. They stated the investigation was still on going and to call back in two weeks but they would escalate it again. 
Meanwhile I began receiving calls from a collection agency regarding the outstanding balance of my Macy 's account. The collection agency stated that until Macy 's reversed the charges there was nothing they could do and would continue to call 4 times a day. 
XX/XX/XXXX, I called Macy 's to inquire about the status of the investigation. I was told that it had not been 2 weeks since my last call and I needed to call back. 
On XXXX XXXX, XXXX I called to inquire about the status of my fraud investigation. I was told that they could not give me a time line for the investigation and I would have to call back in another month! 
I have provided Macy 's credit with their requested fraud documentation as well as the criminal investigation conducted by the County Court in Flordia. This has now hit my credit score and has the potential to effect my work through my damaged credit score. Due to the hour long wait on hold with Macy 's my ability to " patiently wait for the next operator '' is limited. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have Macy 's American Express card that had fraud charges totaling about {$230.00} on XXXX/XXXX/2015. So called Macy 's to resolve this issue and they told me to fill out a form and send it to them and told me they will take care of it. After 4 months, nothing have been resolved and they finally admitted to having that they lost my fraud form so I had to resend it again. But the real problem is that this got into my credit report for no payments made. I have called more than 10 times but I am not sure what else can I do to fix this problem. 
Pls Help.. 
XXXX XXXX 

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