AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have had a Macy 's department store credit card for many years. When we moved locations, there was no Macys store. We put the cards in a file to store. We sent a letter to all creditors stating the address change in XX/XX/XXXX. We had the USPS change forward our mail to our new address in XX/XX/XXXX. We were listed in the phone book correctly. 
While on a trip to an area with a Macys, I bought some candy. I was asked by the clerk if I had a Macys card for a discount on the candy. I told her I did n't have it with me and she said she would look it up and charge it. I said okay. This was XX/XX/XXXX. 

I never received a statement, a phone call, a letter or anything reminding me I owed Macys 's {$35.00}. Not until XX/XX/XXXX, after a security breach at a business, where I checked my credit reports, which I do about once a year. I saw that Macy 's indicated I was owing them {$45.00} total and the account was Charged Off. I immediately made contact, paid the full balance, explained the situation, was told to send a letter explaining the circumstances, and requested my account be reactivated. I was a great customer in the past, had a perfect credit history, and a near perfect credit score. However, Macy 's had decided to hold fast and totally ruin my credit rating, score and personal character. This is affecting my insurance rating, my credit worthiness, etc. All for a measly {$45.00}. They simply do n't value a customer. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX i received a letter in the mail indicating that i had unreported income from Bank of America reported on a form XXXX in the amount of XXXX. I have not had a open Bank of America Account since XX/XX/XXXX and further more I am in the military and was XXXX i have never received a check of any kind from Bank of America. This concerns me because how could this company report a form XXXX when i never cash a " supposed '' check that they " claimed '' to have issued me? There filing is FRAUDULENT and has caused me to owe taxes for {$4000.00} for XXXX taxes. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On the morning of XXXX XXXX, XXXX at XXXX EST I missed a phone call from the number XXXX. At XXXX EST, I returned the call. XXXX answered and did not mention what company he is with. And continued to withhold the company information so that I could understand who was calling. He then stated that I owed a debt from XXXX and the amount owed of roughly {$250.00} from XXXX XXXX. I then stated that I currently did not have the funds but I am however looking to pay off my debts as soon as I get money to do so. He then said " XXXX XXXX is looking to get this handled within the next 2 hours or law enforcement will be sent to arrest you this afternoon ''. I told him that there was nothing that I can do right now. He then stated, " Well if you cant pay it now, I will go ahead and send over your information to have you arrested. Goodbye ''. 
I called XXXX back at XXXX EST. He answered and I said " May i speak to XXXX ''. His response was " Who is this? '' I stated my name. He then said " XXXX XXXX, I dont know why you are calling me back. You said you cant take care of the debt. Please do not call me back if you are not looking to pay. I wish you the best of luck, '' As he is laughing on the phone. I called back once more to simply get the company information so that I can have it for future reference. Another man answered the phone and gave it to me as he also stated that the debt owed was {$130.00}. A completely different number from what XXXX said. I explained to him that I could not pay it and that I would like to speak to XXXX because I feel that he was very rude and unprofessional. He transferred me to XXXX. He answered and stated " Stop calling if your not going to pay. '' Then hung up. 

XXXX violated my rights under the Fair Debt Collection Practices Act numerous times by stating false debt amount owed and also threatening to gave me arrested within the day of XXXX XXXX, XXXX. 

Under the FDCPA, it 's against the law for a debt collector to ( among other things ) : use threats of violence or harm use profane language tell you that you 're subject to arrest or imprisonment if you do n't pay your debt 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX off I do n't owe these petty criminals XXXX anything. They intentionally committed fraud and deceit. Painfully obvious by the XXXX XXXX payback they stole from there customers. These clowns have taken me to XXXX seperate collection agencies. NOW I just seen a fraudulent claim in my experian credit report. XXXX refused to get accountable, now these petty thieves think they can harass and scam my credit file. This is criminal. 

Company response: Company chooses not to provide a public response
Consumer complaint: Case number : XXXX To Whom It May Concern, I was informed that my for profit student loan is owned by Campus Student Funding , LLC and not XXXX XXXX XXXX, XXXX so this complaint has to be filed with Campus Student Funding , LLC instead of XXXX they just service my loan and do not have the authority to eliminate or reduce my loan. I was also told that my loan was not part of the settlement which I know is not the case. XXXX XXXX and XXXX XXXX ordered that funds in the millions be set for current and former students of XXXX XXXX for loan forgiveness or borrowers defense to repayment on both fed and for profit loans which includes XXXX XXXX which switched to Campus Student Funding , LLC which I think smells fishy that as soon as all this came out my loan switched hands so quickly. XXXX and XXXX both stressed that people should not enroll in these colleges in Illinois. Just because my loan was sold or transferred does not change anything I ca n't just trade-in, exchange or sell my XXXX education for a new XXXX it has no value and I should n't have to keep paying on it. The incidents of fraud and scams by XXXX XXXX and XXXX XXXX are all over the internet, hit the news and was even aired on XXXX based right here in XXXX. Do you think the companies I apply to will understand if I put on my resume that all the other Corinthian colleges committed fraud and bad lending practices but XXXX in XXXX XXXX, IL. I am requesting that my student loan account # XXXX be placed in borrowers defense to repayment. 


Thank you, XXXX XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Need to verify debt or have removed from credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have sent 5 messages regarding my Macys Private Label Card to Citibank ( after logging into Macys.com and being redirected to their site ) asking them to lower my credit limit after an automatic credit line increase they gave me towards the end of last year. I asked them to lower the line to {$2000.00} and to not do automatic line increases. I have never received a response from them after all the secure message and tonight I called them and was on hold for over an hour before hung up. They are messing up my credit score and I want this resolved NOW. They should be fined! 

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 through XXXX to a company in XXXX. XXXX completed the foreign transaction and the seller was charged the foreign transaction fees. On my last credit card statement I was charged a foreign transaction fee. This fee is fraudulent. The credit card company did not process a foreign transaction and therefore can not charge a foreign transaction fee. Their excuse was there is XXXX writing in the description. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage company ( Stearns Lending ) have n't paid the property taxes that is owed to XXXX XXXX in XXXX ( that 's when they were due ) - of course they have escrowed more than enough money to cover property taxes & insurance. As a matter of fact - the escrow has gone up & I think this may be the reason why ( paying all the fees & penalties of late payment to XXXX XXXX ). I talked to XXXX XXXX and they said my name will hit the paper soon. We 've made several calls to our lending company for months & getting nowhere! I need to figure out what the next step to take here. 

Company response: Company chooses not to provide a public response
Consumer complaint: My ex-husband opened an account for our XXXX child using his name and hers with Wells Fargo Bank. He subsequently has incurred a bank levy for unpaid registration fees on his vehicles. The levy attempted to garnish the account but there were no funds in the account so the bank assessed a {$120.00} processing fee for the levy. My ex-husband does not have legal or physical custody of XXXX our children. I went to the bank with my legal documents to have them remove our XXXX child from the account and they have said that while she is able to provide consent to be added on the account she is not able to revoke consent. They informed me that she can only be removed from the account by her father and the account can only be closed once the {$120.00} fee is paid because the account is for minors only. I do not agree with this position. She should be able to revoke consent to be a party on the account at any time, regardless of if the account is " for minors '' or otherwise. She did not personally incur the levy on the account and so she should not be held responsible for her fathers poor financial choices. He, in my opinion, is unlikely to pay the levy or the processing fee and this account is likely to go to XXXX. If it comes to that, it will negatively affect her credit. She is a minor and she can not, in my opinion, grant legal consent to be engaged in financial transactions such as bank account creation. This is why minors are not allowed to open credit accounts. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: They keep calling me although they have the wrong name. I told them in so many words but they still call. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency XXXX they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The XXXX XXXX account was disputed, and Experian shows a cut off deletion date of XXXX XXXX. XXXX XXXX shows a cut off deletion date of XXXX XXXX. The account went into default in XXXX, and XXXX XXXX extended the 7-year rule timeline illegally. The Federal Trade Commission has in the past fined XXXX XXXX for timeline re-aging issues, and this account is no different. Accordingly, I believe Experian did a poor job in its reinvestigation, and that they should remove the item immediately and permanently. Attached is the necessary documentation required to stipulate my position that the XXXX rule applies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX, a company that I worked for, sent a loan that I took with them to attend a XXXX XXXX, to a lawyer group within a week or two of me leaving the company. That lawyer group then contacted me telling me I had to give them XXXX % up front, then pay {$250.00} a month, otherwise they would file a lien against my XXXX preventing me from being able to obtain a job using my XXXX. When I told the lawyer group, Will Rush, that I was unable to meet those terms, they said I should borrow money from someone in order to do so, because they were going to file the lien if I was unable to. The lawyer group refused to work on a reasonable repayment option with me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I would like to file a dispute with Wells Fargo Auto Finance. Wells Fargo is negatively reporting a debt owned on credit reports that has already been satisfied from a insurance settlement. The debt is invalid which is evidenced by them releasing the lien of my vehicle and giving me the title. I currently live in Illinois which is a title holding state and a title is not released until loan is satisfied. I have reached to all three credit company 's to dispute this issue but was not able to get it resolved because Wells Fargo is stating that the debt is valid. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Around XX/XX/XXXX or XX/XX/XXXX I paid off my Barclay Card for almost {$3000.00}. I called the company to request that they close my account. The agent that I spoke with stated that they would not close the account unless I provide information that I had no access to. I never got a billing statement again from the company. In XX/XX/XXXX I received a phone call from the company stating that I owe {$3300.00} ( appx ) and that I need to make payment. I told the company that the cards were destroyed and that I requested to have the account closed prior and that I was not responsible for the charges. I told them that there must be fraud on the card and was transferred to a fraud agent. The agent told me that he would accept fraud and close the account, and credit everything on my bill. About a hour later the same agent called me back and stated that he was refusing to accept fraud because some of the charges that occurred after I destroyed the cards were at the same merchants that I shopped at prior to requesting the account be closed. I also have accrued about XXXX in late payment and interest charges but was told prior to closing my account that i would never accrue for any reason any late fees or interest charges until XXXX 2016. 
I reviewed a billing statement that I had to have a co worker get online ( because the company is refusing to provide me with requested documents ). Upon reviewing them I noticed not only were there several charges that were at merchants that I did not go to, but there were several duplicate charges on the bill. I have printed out the statements and hand wrote notes on them and will include a scanned copy of the statements. 

Company response: Company chooses not to provide a public response
Consumer complaint: Got a phone call from XXXX No listing on Caller iD as to name I looked the number up online and It belongs to Aargon Agency. I do not have bills past due. or any reason for a debt agency to call me. It was a robo call, for me to call a number about this debt. Call was XXXX XXXX/XXXX/2016 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX XXXX from Aargon Agency contacted me today at my work phone to ask me to confirm my personal information ( birthday/address/SSN ). She even left a message at my work saying it was extremely important that I call back. I told her none of the information in they system was accurate. I asked why she had to have the information and she said they were legally obligated to ask me questions. I asked if someone was trying to apply for something in my name and she would not answer. I was given no information. They just wanted me to give them my personal information, which I did not give. They called me at my work to collect this information which is unacceptable and harassment. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I HAVE SENT XXXX DIFFERENT LETTERS MONTHS APART ASKING THIS COMPANY TO STOP HARASSING ME ABOUT SOME ACCOUNT THAT IS NOT MINE. THEY HAVE CONTINUED TO DO SO. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a Macy 's credit card account XX/XX/2015. I set up bill payment through my bank account, with their approval. This worked for one month but no other bills appeared. They started calling, asked for payment. When I returned the collection call, the rep investigated and admitted that they had " changed their system '' and had not in fact notified me of that, nor had they sent a bill. The rep said they would send a bill and eliminate any " overdue '' charges. The bill did not arrive. I asked for a bill on the phone, repeatedly, without success. Finally, I sent a registered letter. Now I have received the itemized bill. I have sent a check for the purchase amount. However, they have added " finance '' charges dating back to XX/XX/XXXX, before they sent the bill. My credit record is nearly perfect and I do not want any blemish of any sort. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I obtained a loan from citibank. Without informing me, Citibank sold off half of my loan to XXXX student loans. This has caused a lot of confusion regarding what I owe, and what my minimum payments should be. The minimum payments and interest rates seem to differ between both citibank and XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian has locked me out of on line disputes. The only explanation I get that an account number associated with my social security number is verified as my account. I have sent court documents that verifies that this mortgage loan belongs to XXXX. I have never had or filled any paperwork for an individual account with XXXX XXXX. It has been 6 1/2 years and I have disputed it since this company started reporting erroneous information on my Experian Credit Report. My last document the end of XXXX is a District Court document showing case information, cause number, defendants, when it was filed the docket type, ( several defendants due Texas laws that if a person dies without a will property will be divided between children and spouse. ), case history by date, and an agreement that case is disposed due to estate has no value. It is unbelievable that the credit agency that destroys the ability to get a job, car, or home will take information from some company or person that could realize or not know the major impact erroneous negative reporting does to families. For me how does a company override court documents that clearly identifies that XXXX XXXX has not owned or a part of this mortgage loan since XXXX/XXXX/2013. That the case has an agreement and the estate has no value and it is disposed. If someone could let me the details of how a company can report when they are not involved and how they can report since there is an agreement. 

Company response: Company chooses not to provide a public response
Consumer complaint: With the assistance of All Clear they called Aspen National Collection to see why a collection account was placed on my credit file, called at XXXX speaking to XXXX XXXX, attempted to explain an issue that was under court order for my ex to pay since in settlement she received the money to pay he was rude, did not want to discussed and said it was a waste of his time and just hung up. It is a Time Share issue in our joint names and he claimed that only I was responsible and that if I was not making arrangements to pay he did not want his time wasted. All Clear stated to file this complaint since even after getting authorization from me for them to discuss the issue he just hung up on us. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: The Money Source Mortgage Company made errors in posting our payments incorrectly. This has caused a chain reaction of late payment postings to our account. Our payments, which have included additional monies toward principal and escrow shortages, have been made approximately 2 weeks prior to the due date. They have turned our account over to the credit bureau as late/slow pay even when they assured us they would not. One of the Representatives that we spoke to did indeed find that this was entirely their fault. However, their reporting to the Credit Bureau has caused our credit rating to drop XXXX points. Repeated phone calls to the mortgage company has only created more problems. We have documented proof of every payment made, phone call and supposed resolution to our account. We have not been able to talk to a Supervisor concerning any problem when we requested. This company has not been able to post our regular payments, additional principal payments or additional escrow shortage payments properly. 
We would very much like to have these problems resolved, our credit re-established and in good standing. We have never had a problem with any other mortgage company that we have dealt with in the past as we have with The Money Source! 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Using Annual Credit Report.com, I requested a free annual credit report from Experian. Their site reported that I was n't eligible for the free report ( I was unable to verify this ). When I attempted to purchase the credit report, the site offered the credit report for {$1.00}, but it automatically placed you in a seven-week trial of one of their products. The site also states that if you do n't cancel ( i.e. forget ), you will be charged {$21.00}, monthly. There was no option to purchase my report without being forced to participate in the product trial. Consumers should not be forced into a product trial in order to receive their credit report. This may be verified by going to their website and attempt to purchase a credit report. This appears to coerce the consumer into purchasing a product, and potentially be responsible for additional monthly cost. I believe it should be the consumer 's right to 1. verify the Agency 's reporting that we are not eligible for a free credit report, and 2. purchase a report without being required to trial a product. Please investigate and advise. For security reasons, I am interested in receiving this information online, vs. being sent through the mail. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a HAMP loan modification with the help of folks at the NeighborWorks HomeOwnership Center of Central MA. The papers were all submitted 14 days prior to a scheduled auction. SLS is refusing to review my application, and insists on moving forward with the application. It was my understanding that as a HAMP servicer, SLS needed the paperwork 7 days before an auction. Our situation has improved, we have solid income, my counselor tells me that the math works, I just need SLS to review my application. 

Company response: Company chooses not to provide a public response