AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I asked Navy Federal Credit Union to re-imburse me months ago for a few transactions and they never did in these specific amounts. And I was not given a form to fill out. I had to call and file fraud. Now they are saying they could n't refund me the money. 

But now they say that they were supposed to add back $ XXXX to my credit card which now they have n't done. HELP!? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX called my place of employment and was shocked I answered the phone. She said they was going to serve me and garnish my wages and stated I am paying {$500.00} a month on a new car which means she ran my credit without my permission and she threatened to garnish my wages which she can not say to me. Last week a lady called from a unknown number and threatened to serve me and I hung up on her and she called back and left a voicemail stating hanging up on her is not going to make her go away. I have voicemail in a email. The next day another lady left a message saying they was coming to my job to serve me and I need to show my id. I have that voicemail in a email also. Both ladies did not id me. They left messages of threat on a voicemail which they can not do. CIG financed a car that they knew had structural damage. I could not register car because it was going to cost me {$3000.00} which I did not have so I had to get another car. CIG has a lot of bad reviews with similar situations that I experienced with them. I used to be a debt collector and I know what you can and can not say or do. I do not like being threatened and scared to go to my place of employment. The last lady called from a XXXX number. I do not know if these people are violent. They sound violent on the voicemails. I am scared for my life. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: When I went to check my credit report on XXXX during the month of XXXX I found that they had a delinquent account on my Macy 's credit card that I was 90 days late on a {$980.00} charges. I two years ago bought a mattress from Macy 's but paid for it in installment plans. When I called their Customer Service they said that a series of purchased were made online with their Company. I have never made an online or in store purchase in two year. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Trans Union is not responding to my requests to investigate and remove XXXX accounts from my credit report that do not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I checked my credit report and I found information on a home loan that took place in XXXX when I was still in high school ; This information I was not aware of. Also, there was details about a car loan in XXXX that I was not aware of either. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I can not access my Crdit report or scores.. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I checked my score then weeks later i recived a letter from XXXX XXXX XXXX that a identity alert has a block on my credit and i need to respond. so everything checks out fine. please remove this alert block off my credit thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Karma has put a wrong information on XXXX credit report time after time and there are not pay attention to my despite 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I received a XXXX Cancellation of debt form from Bank of America in the amount of $ XXXX.I filed the XXXX on my taxes and paid taxes on the {$12000.00} amount. All XXXX of my credit bureau have different information reported. 1 : XXXX Reports a {$0.00} balance and {$0.00} past due amount. 2 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. 3 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. These amounts do not add up and are not reported accurately. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have had numerous problems with this credit card XXXX, XXXX Dividend XXXX. 
1 ) Was offered 0 Percent on new purchases ( very clearly ) and transfers 2 ) Never been able to use miles ( have over XXXX ) but flights are never available 3 ) Had XXXX fraud cases on XXXX different cards sent to my wife, even though they had never never been activated. When case opened, we never get a call back and have to continually call them to get status. We called to let them the first week of XXXX to let them know this was not our purchase which was a recent charge of {$720.00} on XXXX XXXX on a flight from a year ago which makes no sense. We called a few weeks ago because we never got a call back and they had n't opened a case yet or credited our account. 

We have complained several times about the interest charges and was told a year ago it would be corrected, but it never was. Now they are saying they ca n't correct it. 

This bank ( Barclay ) seems incompetent to be offering a credit card to customers. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I call Home Depot credit services and requested a block be placed on my account so charges could not be made. I also had a password placed on the account at their suggestion. Over {$1600.00} in charges were made on the account after the block was put on. I was told that unless I was willing to prosecute fraud charges that I would be responsible to pay. I called for investigation and explained what happened but I was not willing to file charges. I did pay off the balance in order to protect my credit and avoid further stress to myself. I am XXXX XXXX XXXX and feel like they did not live up to their commitment to me. Account -- XXXX XXXX XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America 's Escrow Department failed to pay my property taxes in a timely matter and failed to provide me with the escrow funds in a timely matter in which I could pay my property taxes prior to incurring a penalty. My taxes were due on XXXX XXXX 2015, on XXXX XXXX 2015 I paid the full loan balance of my mortgage with B of A and they waited till XXXX XXXX 2015 to refund my Escrow and even through they knew the taxes were due, failed to make the payment prior to the delinquent date of XXXX XXXX 2015. By the time I received the funds and understood they had failed to pay my taxes when due, I had incurred a penalty of {$170.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX - My credit card was charged {$6100.00} in fraudulent purchases at XXXX ( approximately XXXX fraud charges ). I immediately notified the credit card company ; the card was closed and I was told a fraud affidavit would be forthcoming. It took n additional follow up calls and weeks later for me to receive the fraud affidavit. I have since executed XXXX affidavits and sent them to Macy 's XXXX XXXX fraud department on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have made numerous calls to the Macy 's XXXX XXXX for status of the fraud claim, to date no one has been able to provide me with a status. Meanwhile, I am being reported as delinquent to the credit reporting agencies. Please note Macy 's XXXX XXXX billing statement states, " We can not try to collect the amount in question or report you as delinquent on that amount. '' They are clearly breaching the credit agreement by reporting me as delinquent. My last attempt for status was today, XXXX/XXXX/XXXX - no one was able to provide me with a status of my fraud claim. Nor are they able to stop the delinquent reporting to the credit agency. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Wells Fargo runs their escrow analysis in XX/XX/XXXX and refunds you any overage in your escrow account. Your payment for the insurance and taxed are due in XX/XX/XXXX and therefore the escrow account will be low, which in turn causes a shortage and thus not only do you have to pay the escrow shortage, the mortgage also increases. The explanation seems beyond reason that the consumer must continue to have and increase in their mortgage when it show only be the shortage from the escrow account that needs to be addressed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm in the process of trying to get financing for a home and TransUnion will not update my information correctly. They will not include accounts that I am a Authorized user on, on my credit file. They will not report correct balances on credit accounts on my credit file also. I have credit ( available credit ) that is n't being reported and that is causing my file to not show what my available credit is. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016 a final payment was authorized and paid on my XXXX account. The debt was settled and I authorized no other payment, letters are attached stating the arrangements. On XXXX XXXX, 2016 RPM illegally debited my checking account in the amount of {$470.00}, this account was paid in full per there settlement offer. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have paid my son 's all bills at XXXX XXXX XXXX, medicine or doctor 's bill. I contact the customer service at XXXX ( XXXXXXXXXXXX ) to double check and they confirmed that I owe them NOTHING. There is this collection company " Nationwide Credit Corporation '' keep harassing me to collect some medical bills from me. Absolutely outrageous and fraud! The account number they have for me is XXXX and the reference is XXXX. Their address is NCC, XXXX XXXX XXXX, XXXX, VA XXXX. Please tell them to stop harassing people, I am very aware of my billings but there are people who get afraid when they see collection. This needs to stop and there should be strict regulations for collection agencies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had an recent open collection with XXXX. I contacted Enhanced Recovery Company, LLC and told them that I want to pay collection amount in full which was {$160.00}. I provided them my debit card information an authorized to charge me the full amount owed. They provided me reference number as a transaction confirmation and told me that will update all credit report that collection paid. Instead they reported new collection account for XXXX XXXX that is more than 8 years old for amount {$380.00}. 

I never received single phone call nor letter from collector regarding this both collection accounts. I know under The Fair Credit Reporting Act debt collectors must notify in writing about attempt for collecting debt. They are not allowed to report a debt to credit agencies if it is more 4 years. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I deposited {$1800.00} from my husband 's account into my daughter 's Regions Bank account ( she is away at college ). They placed a hold on my deposit for 9 days because " they have confidential information that the item may not be paid. '' I nor my husband have ever written a bad check and we are almost XXXX. I would like to know what confidential information they have that it wo n't be paid. The {$1800.00} cleared my husband 's bank account the very next day. It is not right for them to get exclusive use of my money for no valid reason. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Please refer to case number XXXX for the background information. 

After I settled the credit report issue with XXXX, I now have a FICO score of more than XXXX. But when I apply for a regular credit card, I again got declined saying the other XXXX credit bureau still have the collection record on my report ( which is not mine please refer to case XXXX ). I ca n't submit a dispute or check my credit status with any of them since I do n't have an SSN. 

Please 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A former employee, used my personal Home Depot card to purchase items for herself, she was also in charge of paying the bills for that card. During the XX/XX/2013 she stole my identity and opened up several credit accounts. She was also embezzling money by entering payments to home depot but not actually making payments. She admitted all of this in court, and I was told by the judge it would take some time but I could not be held liable for her charges. I myself made payments to the Home Depot covering all the items that were purchased. However during the period she was embezzling the account was accruing interest, and late charges. The representatives from Home Depot are refusing to work with me on this. Eventhough they allowed another person to use my card at their store with out ever asking for I..D or any prior authorizations. I have lost so much over all of this, I had to work countless hours to save my business. I let them know that I was pressing charges and they could submit for restitution on their behalf, which is what the XXXX other credit card companies had done. They refused, told me they did n't offer that even though they are a subsidiary of Citi Bank which was another fraudulent account that was opened who submitted for restitution. I received another letter from Home Depot saying they would still be holding me accountable, and they did not care what any judge decided and that I should maybe turn it into my insurance. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello, my name is XXXX XXXX and I am contacting you because I just found out that your government agency may be able to help me in regards to a series of complaints that I have against Bank of America : 1 ) My original loan with Bank of America was created on XXXX XXXX, XXXX for {$210000.00}, at a 7.25 %. The loan for the mortgage was for only {$180000.00}, but the principal shows as {$210000.00}. There is is a difference of {$35000.00} between the loan and the principal, that includes varios, murky settlement charges such as {$2100.00} to XXXX Mortgage for an " origination fee. '' I need to know why I owe {$35000.00} more than I am supposed to. 
2 ) I have been paying a monthly PMI of {$140.00} since XXXX XXXX, XXXX until XXXX XXXX ; which amounts to {$12000.00} that I did not need to pay since I had my condo for 12 years prior this loan, and I was not a " risk '' borrower. I sent several letters, emails, made phone calls and I even complained to the XXXX in regards to removing this PMI, to no avail. Bank of America always came back to me with several excuses of why the PMI could not be dropped. 
3 ) I was able to get a modification and lowered the interest rate to {$5.00}, but the PMIs continued nevertheless, as well as my requests for the PMI to be dropped ; again, to no avail. 
4 ) My mother had a XXXX and became XXXX, which forced me to quit my full time and get a part time job, so that I can take care of her. I requested another modification and it was accepted, but Bank of America immediately removed itself as the bank servicing the debt, and put me in the hands of XXXX XXXX Loans. 
5 ) What I owe now ( the investors, I assume ) is {$190.00} ( this is what shows my latest statement ) which means that in 9 ( nine ) years of paying MY MORTGAGE, I have only paid {$19000.00} of the principal!! This is outrageous!! This is thievery!! 
This happened right when the mortgage collapse started, but is not my fault that the banking/finances systems is so fraudulent that it will allow such atrocities against poor people like me. PLEASE HELP ME!!!!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: They call my home over and over again. They call my employment and not my direct phone number, over and over again and harrass my coworkers with questions but provide no information for them to take a msg. They just called my job three times in five minutes to our customer service XXXX #. They are going to get me fired and it is very embarrassing. They are harrassing, provide no information and ask for personal information i would never disclose by phone and that they should have already if i am the correct debt collector they are looking for. They will not provide me with the bill they claim i owe, nor are they providing the original creditor information etc. I would like them to stop calling me as a whole until they can provide me by phone the information that i will need to pay this bill if i am the correct debtor. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i originally opened a checking account with XXXX XXXX. XXXX was bought by Wells Fargo. the terms of the account was that it would be a free account. once again, Wells Fargo is attempting to change the terms of the account and charge basic fees for me to remain a customer. there is no address at which to file a complaint. there is no email address. i called. the rep had no power to do anything. i requested a response to my complaint, in writing. have heard nothing from Wells Fargo. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The Value on my property has gain enough equity to qualify for XXXX % to XXXX % LTV to remove my PMI. I have proven this with Comps and by consulting with a local appraiser and I sent in a written request to my Bank Flagstar requesting the Removal of the PMI. My bank Flagstar Mortgage keeps giving me the Runaround in regards to the process in which they require me to take in order to remove PMI. I have been told different procedures by XXXX different representatives, I have been told that they will send me a letter explaining what to do and I have not received anything, I have been told that I will get a return phone call and still no return phone call. I have been told that they lost my paper work and that an error cancelled my process. This has been going on for over 2 months and I still can not get an answer on what to do. I have no problem getting an appraisal. A rep from flagstar told me that a letter that will be sent to me states that I need to get an appraisal from XXXX XXXX so I contacted imortage services and imortages services said that the appraisal is {$350.00}, but Flagstar says they wants {$460.00}. I will pay the {$350.00} but feel that I do not need to pay Flagstar an extra {$100.00}, this is extortion. However I still have not received any letter. I have been lied to, ignored, and have spent countless hours of my own time trying to get an answer. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We have gone to our mortgage lender on several occasions trying to get a lower interest rate with no success. We feel that we are victims of predatory lending practices. We need an interest rate that is more aligned to the market rate. Our current rate with Citi is 6.64000 %. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Navy Federal Credit Union is refusing to provide monthly statements for our mortgage because we declared Bankruptcy in 2009. We did not default on our mortgage during the bankruptcy and have continued to pay in full and on time throughout the life of the mortgage. We are now expected to blindly pay our mortgage without knowledge of our principal balance, interest rate, or current payment amount. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a XXXX Bank account that does not belong on the report, XXXX has agreed for removal and the reporting agency keeps saying verified, this is wrong information on my name and it hurts me to the bottom. 
I have included a copy of my report as well the letter from XXXX bank showing the account in dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: They have me living in XXXX XXXX XXXX, Il and I have n't lived there since I was XXXX years of age. My last XXXX years have been in XXXX and XXXX. I have been a registered voter in those states for those years. 

Company response: Company chooses not to provide a public response
Consumer complaint: My telephone ID states " Bloomingdales. '' When I pick up the telephone it is Macys. Macys is trying to collect a fabricated debt. Alternatively, I will get a " Private Caller '' on my telephone ID and it is Macys. 
I am on the National Do Not Call Registry. My understanding is Macys is not allowed to harass me with repeated telephone calls. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I requested the company correct their reporting on my credit report and they responded with a threat to garnish my wages and withdraw the signed payment agreement we currently have that has not been broken by myself in any way. They are now threatening to void the signed contract and force me into other options I can not do. The options they are trying to force me into are as follows 1. sign a new agreement for a higher payment amount that they know I cant afford. 2. Settle the amount in two lump sum payments again they know I cant afford. 3. Threatening me to garnish and they only way to avoid it ( in their own words is to file chapter XXXX bankruptcy which I cant do. They have contacted my employer to ask personal questions about my pay and advise my employer of my debt and their threats. They have also refused to respond to me in regard to the incorrect reporting on my credit. 

Company response: Company believes complaint is the result of an isolated error