AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Our loan was sold to everhome. Fines for online or phone payments added to " fees '' instead of debit from Bank account. Snowballed amount. Payments would be sent a month early but somehow would n't post until after the grace period, late charge. Note went up. Sold to Greentree, had fines attached, note went up more. Now sold to ditech, note {$400.00} more than original fixed rate loan, had thousands of fees. Was told not to make payment for XX/XX/XXXX and XX/XX/XXXX to qualify for trial loan modification. Made the 3 trial payments, was told papers had to be in XXXX XXXX, on XXXX XXXX I received the package, with someone else 's modification paperwork. Called, spoke to XXXX people, no answers, emailed account manager, no answer, typed letter and enclosed with wrong paperwork requesting my paperwork. A month later, all I 've received is a visit because I 'm " in default '' and multiple calls where I ca n't get answers. Please help! It 's a va loan, the modification payment is our original payment, it 's doable. If we could just get the correct paperwork! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Macy 's credit collection keeps calling claiming that i am late on my credit card payment, even though both myself and the customer service department clearly see the marked the payment. I keep asking for a supervisor and get a real XXXX attitude form the people helping me to the point where i hang up in frustration. 

Further more they keep sending my credit card to a bad address locking me out from making online payments and forcing me to go to the store to do so. which is a huge inconvience for me since I live far from a story. 

This is the worst experience i 've had with a credit card and refuse to deal with this unless there is interjection from you or the corporate office or a supervisor. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have had muitiple calls from the XXXX XXXX about a balance for my Barclay Credit Card. I have explained my situations with both them and the orginal credit card. XXXX keeps calling up to 8 times a day from XXXX XXXX to XXXX XXXX threating, harrising, and demanding. I have explained to them not to call and they then started to call my place of employment muitiple times. The day of this report they called my phone 3 times and my work once and its XXXX CST. Ths is on going since XXXX/XXXX/2016. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have never been late on either of my other XXXX credit cards. In XX/XX/XXXX I had made a purchase using instant approval at Macy 's in order to benefit from the advertised extra savings. I never received a credit card or a statement from them until today, XXXX XXXX. In XXXX, I spoke with someone who said she would be re-sending both the statement and card to me. On XXXX XXXX and XXXX XXXX, I received eight phone calls ; thinking the calls were telemarketers, I did n't answer at first. When I did answer, I was rudely threatened that I had to give the routing number to my checking account in order to stop being harassed. Still suspecting fraud, I told the man that I felt uncomfortable with the arrangement, but that I would go into the store to pay the balance in full, which he said he would put in his notes. I asked the man to add the comment that I am happy to pay what I owe as long as I know what the balance is. Two hours later at the store 's customer service, I did pay the balance verbally told me although I still had never received a statement. Today in the mail, I received the statement. To my horror, it showed a late fee. One, I would like to be reimbursed the late fee. XXXX, I would like a letter sent to the credit bureau explaining that the error falls on Macy 's for not promptly sending its statements to its customers. An impersonal organization is wrong to blame and penalize an overly conscientious individual for its poor bookkeeping. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Dear Sir/Madam, I had a Citi Diamond Preferred credit card probably since XX/XX/XXXX approx. I went into financial problems in XX/XX/XXXX, and my debt at that time was for $ XXXX- {$15000.00} approx. Citi and I went into an arrangement where I have to pay the total of the debt with no interest for the entire term of the debt. We arranged a payment of {$250.00} per month with automatic withdrawal on the XXXX of each month. Even though I went over financial difficulties, I paid the credit card on time every single month for {$250.00} on every XXXX-XXXX of the month. XX/XX/XXXX, I changed my bank account ( XXXX accounts are XXXX XXXX XXXX ), and I forgot to inform Citi about this change, so when they withdrew the funds on XX/XX/XXXX, there were insufficient funds. Citi called me on XX/XX/XXXX, and I provided to them immediately my new bank information, and they were able to withdraw the funds ( {$250.00} ). After few weeks, I received a letter from City dated XX/XX/XXXX, where they informed that the payment arrangement has ended. Later I received my statement and noticed that Citi charged 27.99 % ( APR ) on this debt ( today the balance is only {$3000.00} - as of XX/XX/XXXX ). 

I called Citi today XX/XX/XXXX and Citi confirmed that the arrangement has ended and there is nothing they can do to reinstate the arrangement, and instead they will charge on this credit card 27.99 % APR. The employee that I spoke to was XXXX, Account Manager of Citi located in XXXX, Florida. As a courtesy she credited {$78.00} for one time ; however Citi will continue charging on this account 27.99 % APR. 

My complaint is based that Citi can not consider an arrangement breached because of a delay in the payment for 10 days that was unintentional. 

Sincerely, PC 

Company response: Company chooses not to provide a public response
Consumer complaint: i received a letter with no return address, addressed to my estate. the letter read that I was deceased and my estate information needed to be turned over to them to handle my bills. I called the XXXX number listed on the letter and a man answered. I gave him the reference number on the letter, told him i was not deceased and what was the letter regarding. the gentleman kept repeating his name and that all calls were monitored and proceeded to ask my personal information. i gave him the reference number again and asked him to identify whom he was representing before i gave any additional information. he continued to stammer and did not tell me anything outside of his name. I told him that this was a tactic to collect a debt and to open contact with me as by then i had gone through my cell phone call log and found the exact number called me 82 times in one week, but it was blocked per my request from my cell provider. I told him to refer me to a supervisor or someone who could tell me what was going on and why they use such a morbid tactic to gain my information. he said i could not and i hung up and called again. The next agent did not identify herself, simply answering " hello? '' I explained the situation and she asked for my information again. i refused and asked her to identify herself or transfer me to her superior, she refused. i gave her the reference number and she said she would remove my name from their list. I asked her what list and informed her that if she is acting as a debt collector, she has to tell me who the debt originated from. she refused and i ended the conversation. This company sent me a letter saying i was deceased and to turn over my financial information, never did they say who the original creditor was or the amount of the debt. This was an attempt to gain my information as means to collect a debt which they never identified.This company called me XXXX times over the course of a week, if they were under the presumption i was dead, why bother? the company name is Philips, Cohen and Associates XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX reference # XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: A mailer was relieved stating that XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, IN XXXX has a Sport Credit Card account number ending XXXX. XXXX has no such card. The mailer originated from Synchrony Bank, XXXX FL. The bank was contacted to investigate this unknown acct. We were transfered to XXXX different dept which insisted that we provide the Social Security # in order to help us. As we did not want to give out private information we were hung up on without any kind of resolution. As far as we know, they have an open a count in XXXX ' name that they will not assist us in the investigation of a fraudulently opened account 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: macys credit card -- when we moved we changed all to new address made a couple of purchases never recd a bill would never have known that they were sending my bills to old address how i found out was i get my annual credit report and seen this i called them and and asked what happened found out they were sending bills to wrong address we changed to correct they told me i owe {$170.00} dollars they said if paid would take off all credit reports they were paid in two days i called them after 3 days said didnot rec yet called back and next person told me they did rec two days later but will not take off credit reports they just wanted there money XXXX had an XXXX credit score i always pay my bills this dropped score down a lot and i did nothing wrong not my fault they did not do there job updating there system when i sent them change of address how is this my fault they could have even called me they have my number it has not changed can you please help they wont even honor there deal oaid in two days they would take off credit report 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There is nothing FAIR in the federal Fair Credit Reporting Act if a consumer has to pay for their OWN credit score. Why does a consumer have to PAY for their own credit score? Anyone else seems to be able to obtain it, except the consumer. This is outrageous! 
Does n't this fall under the FOIA? Is there anything really " Federal '' about the federal FCRA? If so, why am I being addressed on the phone by someone in XXXX? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: These XXXX companies are continuing to request payment for accounts that I do not owe. 

{$140.00} from Stellar Recovery and {$36.00} from XXXX XXXX XXXX. 

These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to XXXX. 
This needs to be removed ASAP. 
I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). 
.We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. 
I will contact the Attorney General against XXXX, XXXX and XXXX and both of these companies if this is not resolved NOW! 
ALL references regarding this account must be deleted from ALL reporting agencies. Since 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Caller is first a recording, then individual comes on ask for individual who 's not available, when ask to take message states this call is being recorded. I ask for name of company and why am I being recorded, they hang up. My caller ID shows the number as : XXXX and ID as " XXXX XXXX '' 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I got behind in my payments with Bank of America. I went to a mediation with B of A and the Oregon Dept. of Justice. I asked for answers on why I had 3 times the amount of Escrow required, as well as a misc {$100.00} I was being charged. I also wanted to know why they would keep flood insurance on my property when I had a current map as well as a letter from the county that I was not in a flood plain. I also felt it was excessive having XXXX appraiser in one month parking outside my home and writing up appraisals that devalued my house. I live alone and I am XXXX and these appraiser really frighten me until I found out who they were working for which was B of A. XXXX am attaching an email I sent to Bank of A and Oregon Dept of Justice on what a farce the mediation meeting as nothing was resolved. 
copy of email : I went to the mediation meeting and thought it was a farce. B of A will not help me with my loan. They also gave me a bunch of double talk about the mystery {$100.00} charge on my account but I guess they can put any type of miscellaneous charge on my account. I was also informed that I had an credit of {$1300.00} and that I was sent a letter on XXXX XXXX which I never got ( no surprise on that ) but of course there is no copy available so I am not sure if that is true. My over payment of {$110.00} is in an account of " unapplied '' as well as the supposed {$1300.00}, but for some reason my XXXX statement does not reflect this and I was told that basically they ca n't apply the unapplied funds to my account, although I was told I really do n't owe a XXXX payment. I suspect if I do n't make the XXXX payment I will have more fees. 

This year they will collect another {$1900.00} which if added to the balance in my escrow account of {$4100.00} will be {$6000.00}. The approx insurance to be paid out of my escrow is {$1900.00} however I was informed they needed all that money in escrow in case my insurance amount goes up. B of A did not feel it was excessive. It is a shame I ca n't get the interest they are probably getting from this money. 

As for my flood insurance, if they correct their records on my property, they would have to correct the records on everyone else 's property that is not in the flood plain and that it is too much work for them. 

I asked about the XXXX different appraisers that sat in front of my house in one month that resulted in each appraiser devaluing my property. Apparently it is not excessive to have an appraiser sit in front of house and re-write appraises on a house as B of A has to keep up with the market so I was told. The last appraiser I confronted basically told me B of A was going to be putting my house up for since I was behind in my payments. 

Basically, B of A can do whatever they want and do not have to answer to anyone as the meeting proved. 

I do n't see why the Oregon Dept. of Justice thinks they can help property owners stay in their houses because they really can not. 

I will file a complaint with the Consumer Finance Protection Bureau against B of A. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On my Experian credit report, my address is listed incorrectly as XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. 

Also, Experian continues to incorrectly report that there is a judgment against me by XXXX XXXX in the amount of {$1600.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX, 2015, Macy 's notified me and my wife that our combined Macy's-American Express card ( which is actually XXXX accounts on XXXX card ) had been used to purchase {$3000.00} worth of computers at a computer store XXXX ( using the XXXX account ), and {$3000.00} worth of perfume at a Macy 's XXXX ( using the Macy 's account ). We know nothing about these purchases ; our cards have been in our possession at all times, and we have n't been to the computer store XXXX or anywhere XXXX in a long time. 

We contacted XXXX about the computer purchases, and the problem was fixed very promptly. 

Not so with Macy 's. Macy 's has given us the run around for several months. Each call takes an hour or so ; each time, the person we speak to does not have the power to fix things, but they tell us that they will be talking to people who do. We asked several times for a fraud report to file with the company, not getting XXXX for a couple of months. When we finally got it, we filed it, and nothing happened. We are now mailed new, blank fraud reports to file from time-to-time. 
I also filed a report with customer service on Macy 's website. Almost two months later, someone contacted me, telling me that they could n't actually do anything, but that they would monitor my situation, and that I should again file the fraud report that I had already filed, which I did. I finally got someone who called me back and gave me a name, badge number and telephone extension. Unfortunately, his phone number is a general purpose credit number that puts you on hold for extended periods ( I am on hold for 44 minutes as I write this ). About 10 days ago, he left a message to say that we would be getting a letter telling us that our problem had been fixed. 
We did n't get such a letter. Instead, we got a letter from Macy 's telling us to make a minimum payment for an account that has a number that I do n't recognize. As we have n't spent any money in Macy 's or used our Macy 's credit account in months, there could n't be any minimum payment due from us, even if this WAS an account of ours, which it is n't. ( In fact, Macy 's owes us money because we made minimum payments on the amount that we did n't owe, just to avoid any kind of collection effort from these incompetents. ) This has proven a complete nightmare. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a notice from Sears XXXX XXXX XXXX stating that to avoid late charges to send my payment of {$280.00} for a service repair, according to them service order # XXXX XXXX, the invoice was dated XXXX/XXXX/16 and the account # is XXXX. 
I immediately called Sears to inquiry about this bill and to closed my credit card. After closing my credit card account I was told that my balance was {$0.00}, and that they did not send me that bill. 
I believe that this is scam because I called the telephone number on the statement XXXX and I could not get a real person ONLY a telephone message also they are asking me to send my credit card information to settle this bill. 
The address listed on the statement is : XXXX XXXX XXXX, XXXX, Texas XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Bank has added a duplicate Credit Account that was either previously recorded or previously removed from my Credit Report. This is according to XXXX 's records. Per the attached screenshot, XXXX added this duplicate record on XXXX XXXX, 2016. I would like the record removed. 

Thank You. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Many months, perhaps years ago we set up auto pay with Macy 's department store credit card. Naturally, as we made purchases for XX/XX/2015 at Macy 's we knew that the statement balance would be paid off monthly on XX/XX/XXXX as our past ( prior to this experience ) records show. Fast forward 3 months to XX/XX/XXXX and we 're getting calls letting us know our statement balance is past due. Macy 's is accusing us of calling in on XX/XX/2015 to cancel our auto pay ( which is miraculously the same day our payments are drafted for auto pay ), but are unable to provide any proof i.e. Email record, phone recording, etc. Macy 's is unable to offer any resolution and is keeping the {$67.00} in late fees they charged us, again, without any proof whatsoever. Macy 's has reported a derogatory filing with all credit reporting agencies - my first any only late payment mark in my 14 years of credit history. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Loan originally through XXXX XXXX XXXX, loan was modified through XXXX XXXX XXXX. XXXX XXXX XXXX had an incentive if I paid my loan timely for five years up to {$1000.00} per year would be applied back to my balance. I paid timely the entire five years. Then the loan was sold to Greentree Servicing who reflected the " pay for success '' incentive on my quarterly statements. then they sold the loan to Ditech, around XXXX 2015, who despite numerous inquiries will not respond and will and does not reflect this incentive on my current loan with Ditech. I have attached a copy of when the loan was with Greentree and it showed the incentive balance and then a copy of after it was sold to Ditech and the incentive balance simply disappeared. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: The trouble with CitiMortagage began several years ago. I was XXXX. When the market fell apart, so did my income and I got behind on my payments. XX/XX/XXXX I started a new job at the company that used to sell me my materials. This job is indoors and offers consistent pay regardless of weather and the construction market. XX/XX/XXXX we started the process for a re-modification on our home. We were approved as of XX/XX/XXXX and set to make three ( 3 ) months of trial payments thru XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After completing this process we found that we had been denied due to some missing paperwork. A sale date of XX/XX/XXXX was set at this point. I complained to them about the fact that we had responded to everything they had sent in a very timely manner and that we had never received the papers they were referring to. They then sent the paperwork out, we had them signed and notarized and sent back in the same day. Then they told us that the previous paperwork had expired and we would need to refile everything we had done. She sent me the list and I got everything they requested sent off that same day. This all took place in XX/XX/XXXX. It was not until XX/XX/XXXX that they came back with an official denial of the re-modification. The reason they gave was that since I had to file for a re-modification twice in the same year they believed my situation had not changed. I was fully capable of making the payments and had done everything asked of me. It feels as though I am being bullied out of my home of 13 years. 
At the time of denial i was told that a short sale was approved. I contacted my realtor and we found a buyer and asked for a postponement in order to close. They have now denied the postponement claiming that I am not approved for a short sale. This was an FHA loan and I have been told that if a re-modification was denied that I am automatically approved for a short sale. 

Company response: Company chooses not to provide a public response