AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I called Macy 's CS in XXXX to make sure my auto payments of $ XXXX/month would cover the amount owed within the time frame left on the no-interest Special Event balance and was assured that it would. 

On XXXX I was checking my bank checking account and noticed the auto pay had been reduced from $ XXXX/month to {$25.00}!! 

Made XXXX attempts to reach a representative at CS. No options were available to connect to an actual person, unless I just hung on and did not input my account number. ( I was later told there was something wrong with the system. ) The XXXX rep I spoke to after waiting over XXXX minutes, XXXX, did not know why it had been changed, but agreed to cancel the {$25.00} auto pay and adjust them so account would be paid off within time framed allowed for deferred interest. I was again put on hold. 

When she came back on the line, she said I had made the payment of {$25.00} at a Macy 's store. I HAD NOT and on my end it clearly stated that it was a web initiated payment. I asked to speak to a supervisor and was put on hold, again. 

When supervisor XXXX came on the line. she explained that the change in payment amount was because of a system upgrade linked somehow to XXXX XXXX and all auto payments scheduled were not carried over. I asked how Macy 's could change contractual arrangements it had with its customers and not advise them of the change?? She said I had made the auto pay arrangements through my bank, which I had not. I asked her how she was going to fix this and was put on hold again! After a lengthy wait, my call was DISCONNECTED. 

This entire unsatisfactory process took at least and XXXX minutes and NOTHING WAS RESOLVED. 

I question both the competence and legality of this behavior on Macy 's part and am therefore sending a copy of this letter to the Consumer Finance Agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a copy of my credit report from all XXXX of the credit reporting bureaus. An account with The Home Depot was listed as an adverse account. I contacted XXXX. They stated that I need to contact each of the credit bureaus. I filed a dispute with XXXX This bureau stated in the dispute response that they reported correctly based on what XXXX reported to them. I feel like I have no way to resolve the inaccurate reporting by XXXX of an " adverse account '' for 5+ year of activity that only had XXXX account with XXXX payment over 30 days. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America AGAIN ... .for the past year BOA has been either saying I did n't submit a payment ( when they credited MY payment to someone else 's account ) ... telling me they sold my mortgage ... then telling me did n't sell my mortgage .... telling me my payments were late ( when they were n't ) ... and the latest That I applied for some kind of LOAN. I have NOT applied for new loan ... modification or any other program Bank of America has. This is the continuation of the tactics they are using to confuse consumers or coral them into a program or loan that they did n't apply for.This bank needs to be made accountable. If they keep HARASSING me I am going to file a law suit for discrimination. ( age, race, gender ) 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a personal loan with Best Egg. I innocently forgot to pay it on XX/XX/XXXX, the due date. The very next afternoon, I started receiving robo calls EVERY HOUR nearly. This is harassing and extremely excessive. I have previously spoken to someone about this at Best Egg, yet nothing has been done. I am not months late but a day or so. I can not stand to continue receiving calls like this, especially if I am at work. No messages are ever left, it just a robot. I have since set up payment, but continue to get calls constantly, literally all day long. This HAS to stop! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: DITECH FINANCIAL, LLC indicates that I have an existing mortgage with a balance of {$15000.00} as of XXXX 2015. I do not have an account nor a balance with this company. Account was charged off thru Chapter XXXX. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My son was XXXX and told the Wells Fargo banker we needed to set up a free checking student bank account before he goes to college. We completely set up the account and then in a few months her turned XXXX and started charging fee. I called to complain and they said they 'd give us no charge as a courtesy for a few months. They said it was a free account knowing it would not be free in a few months when he turned XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from a debt collector claiming I owe {$970.00} to XXXX XXXX. I have emailed XXXX and the debt collector and stated I do not owe the debt they are attempting to collect, and requested a response as well as some sort of documentation showing why they and/or XXXX believes I owe them what the collection agency is attempting to get me to pay. I have not received a response from either. The debt collector 's letter included an attempt to pressure me to pay half the debt claimed by XXXX/XXXX/2016 or their " offer '' would be withdrawn, yet no documentation supporting the existence of the debt being claimed has been received by me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My home loan was sold to a company called ditech. In our initial letter about the transfer it says expressly that because we were enrolled in autopay with the previous bank that would roll over and continue happening automatically. Needless to say, a month went by and we became concerned because that did not come to fruition. It also says under Federal law during the 60 day period of the loan transfer, payments may not be considered as late. Well, we have sent them a payment which I see debited from my checking account and I see in my ditech online account, and yet they are sending me letters threatening me already with foreclosure, claiming we have made no payment. I 'm not exaggerating, I 'm keeping records of everything. Also, they are maintaining we owe another payment for the month even though the payment we made is clearly in the account. I 've read XXXX horror stories about this company. How is the government not protecting the consumers here, and allowing this bank to continue its shady practices? This is a horrible feeling having no choice in the matter and being stuck with a bank this bad. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Ditech financial has reported to credit bureau I owe Ditech {$38000.00} Ditech report to XXXX as late and charged off account I have sent them latter asking original doc of this account with my signature. Ditech has not provided me with my signature that I own this debt, but they have send me public record on my current mortgage account from the County. I also have asked them to produce doc Ditech claim to this mortgage loan. they have not. I consider this is a fraud please Investigate. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Transunion has ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX has reported a collection, original creditor XXXX XXXX XXXX, on my Experian credit report. They list the DOFD as XX/XX/XXXX. I moved out of that apartment complex on XX/XX/XXXX. When I asked them to provide documentation on this account, they supplied me with the itemized bill provided by the apartment complex which confirmed the date I moved out. If they are going to report this collection, I want all information to be accurate. They are knowingly, reaging this debt. Previous disputes with the bureaus have come back verified which leads me to believe not all paperwork have been analysed correctly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am trying to apply for a car loan and have a security freeze on my Experian account, I paid the XXXX dollars to get this lifted on XXXX/XXXX/2016 and then they XXXX XXXX can back and said they could run file because I had a federal fraud alert on my phone number. My phone number was not listed in my file, I tried to call Experian they would n't help me over the phone so I logged on and put my phone number on file. Then they said I still had a federal fraud alert on my phone number which is impossible it 's the same number I have had for over 15 years. I just unlocked my security freeze 2 months ago and everything ran perfectly I ca n't get any answers or help from Experian and I am going to lose this deal. If I ca n't get this closed by Monday XXXX/XXXX/2016 it will cost my over XXXX in rebates and discounts. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is a complaint about a lease with Nissan for a XXXX Nissan Rogue, lease started around XXXX 2010. At the end of the lease, we received a bill in the mail for approximately {$4000.00}! for the following : ( 1 ) It was a 39 month lease. After 36 months, we began looking into another option for a Nissan car to lease, mistakenly thinking it was a 36 month lease. When we chose a Nissan Altima and called up the dealer to put it into action, nobody said to us, " Hey, are you aware that you would be terminating your lease for the Rogue 3 months early if you go ahead with this Altima lease? '' Instead, they went ahead and leased us the Altima and just gave us a large penalty for that. Plus, it 's not as if we switched over to XXXX or something- we stayed with a Nissan . 
( 2 ) In addition, they billed us excessively for damage to the car. The car was not damaged at all, barely a scratch on it. There was only minor wear and tear that our damage waiver should have covered. When we asked for a breakdown of the damage, the only thing true on there was that a hubcap was missing ( stolen ). We were supposed to have a damage waiver in return for staying with Nissan, but that was a farce. We were helpless in fighting that because it was their word against ours. 
( 3 ) Our final complaint was a property tax of close to {$2000.00}. They never informed us there would be a property tax on a car we do n't own, and even so, that money should be billed to us each year, not all in one large ( unaffordable ) lump sum for 3 yrs total. Why did n't Nissan ever send us a bill over 3 years? 
We have always maintained a good credit, and this bill ruined our credit, as that sum was too large and unexpected. Please help us! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I lost my job 4 months ago and started receiving Unemployment Benefits last month. I fell behind on my monthly car loan by 3 months. I made a small payment on my car loan this past week in order to try and catch up on my loan. However, Nissan Motors, the loan holder, repossessed my vehicle this morning. I gave them a call and they let me know that I owed 3 months of payment totaling {$770.00}, however, they are also charging me a ridiculously high repossession fee of {$400.00}. They are letting me know that if the {$1200.00} is not payed within 10 days, they will auction off my vehicle and I owe them whatever balance remains after sale. I am more than willing to pay the {$770.00} I owe on my loan payments, however, this extra {$400.00} repo fee they are unnecessarily charging me is going to make it impossible for me to afford getting my car back. I have a few job interviews coming up soon, and I ca n't get to them without my car. I 'm now stuck without a car and without a chance to get reemployed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I originally mailed my dispute letter to Experian on XXXX XXXX, 2015 and then followed up wit a second letter on XXXX XXXX, 2015 and till this date i have not heard back from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just read a VERY Very similar story as mine on your site, and it is with Bank of America. 
It is also in regards to a checking account that belonged to my mother that passed away XX/XX/2014. I am her only daughter and she was not married. I also handled her account as her XXXX XXXX worsened, but I failed to add myself to her account. Which would have saved ALL of this headache! I have been in touch with their department that handles these accounts so many many many times. I have sent them, and confirmed their receipt, of her death certificiate and of a Affadavit of Heirship ( notorized ). Which proclaims that I am her only heir and executor of her estate. Once they received that- they tell me over the phone that I need to submit a different affadavit with the court and submit whatever the court sends me in approval of my affadavit. I clearly understood that the Only diffference between what I completed, and the court responded version is that the court version would be " telling them what to do with the money '' - rather than my document that simply established that I was her heir. The amount in the account is only {$1800.00}. I have filled out the other affadavit ( including the XXXX 'Disinterested parties ' & notorized again! ), but I have not submitted it yet -- because it is going to cost me {$210.00} or {$250.00} to file. Very frustrating!! I have even had to call, in response to a letter I received, and tell them that Yes -- this account is still belonging to someone, and is not 'unclaimed '. So DO NOT gid rid of the account or money. I spoke with someone who assured me after faxing in a signed statement to not liquify the account- that the account would be upheld and still waiting resolution for me. Since I can no longer log in online.. ( which was the Very first thing to go..bc my plan was just to transfer the money over to my BofA account ) ... I 'm terrified to call and make sure the money is still there. What if it is not? What if they managed to put up so many red-tape XXXX requirements that I ca n't to the money? 
Which to me raises another very interesting question, what do they do with all of that money they get to keep? It has to add up quite substantially. I just wish someone would absolutely tear them up in that regard. I can not stomach the idea that this money goes to the company in some fashion, and it is all based on their taking advantage of such horrible times and circumstances with their customers. For whom they would claim to care very much about. It 's deplorable. Please help!! It 's Only {$1800.00} dollars now!! How can they have rules & regulations that are placed ahead of state requirements in such matters? The state does n't even require all of these steps and motions, and things. It just makes no sense at all. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The collecting agent used extremely rude and abusive languages when they called me before XXXX XXXX and during my work. When I try to get more information about what this debt about, they are refuse to give me more details and keep asking me to give out my personal information. When I refused to give them my personal information, the representative threatened me then hang up on me immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm the sole account holder of the Macy 's XXXX credit card and I gave no one authorization to use it nor did I add anyone as an authorized user. Someone used my social security number, name, address but not the physical credit card to buy merchandise worth {$7800.00} at Macy 's XXXX As a result of these fraudulent charges, I 've asked Macy 's XXXX to close my credit card account yesterday. 

More than an year ago I 've placed a security alert on my credit card account by requesting the customer service of Macy 's XXXX to verify the person 's ID before allowing purchases and allow purchases only if the Full name on the ID matches the Full name on the account and the face picture. When I called about the fraudulent charges on my account, I was told by their customer service that due to the busy holiday season, the associates were liberal and that they may not have always the time and liberty to check for the persons ' ID and that they allow purchases as long as they can pull up the account by social security number even if the person does not have the physical credit card with them. I would like to report Macy 's XXXX for not following the security guidelines I requested to be in place on my account and for letting someone who knows my social security number to use my account to buy merchandise worth {$7800.00} when actually my credit limit set by Macy 's XXXX is {$1200.00}. The current balance on my account is over {$9000.00}. I ca n't afford to make even the minimum monthly payment which is around {$260.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received the debt collection letter without evidence that it belongs to myself. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is my second complaint about Wells Fargo, I am trying to do a loan modification for the past 2 years and I keep getting the run around I sent the paper work in a bunch of times, all I get in response is your missing something, than I 'll send that and they tell me I 'm missing something else, than I have to redue all the paperwork again because it expired, I send it in again and again your missing something this has been an ongoing thing and I have been really XXXX over this whole thing had to get XXXX family problems my partner of 13 yrs left because of this whole mess, I 'm falling apart here I want to keep my home and need some help fast before they forclose on my home, I got a email from you saying to call about my first complaint, I called today and the man could not help me with anything, said the wrong stuff was written down from someone there at cfpb wrote the wrong stuff down, he said he would call me back it 's been an hour now and I still have not heard back from him, I need to get this resolved BEFORE I loss my home so I can save it, while I 'm in the modification process I get a letter saying the XXXX with be handling my loan, I 'm trying to get a modification from Wells Fargo now I got ta deal with another company and get all new paper work, this stress is going to kill me and than it will be on Wells Fargo hands, so please can someone take care of this asap 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all three major credit reporting agencies, XXXX Experian XXXX XXXX whose report numbers I have entered in the field for 'Original dispute case numbers. ' None of these agencies have ceased to continue this negative reporting on my credit records. It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/15 ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've disputed some of their claims and sent proof of payment of rent, but have asked for further clarification on other claims of destruction. The agency states the matter has been investigated but they are agreeing with the apartment complex that I still owe. I have asked for dated receipts of their claims but have not received proof I owe them. When I asked for receipts, they sent same paperwork as before. I need more information in order to proceed. What happens when they investigate your disputes and still claim you owe them? I sent photo copies of paid rent from bank. I sent proof of payment and I 'm still disputing them but they claim I still owe. Also claim pet damage. I 'm disputing the extent of damage and will not pay for items they should do before a new tenant moves in such as painting. Also manager when I moved in wanted to put new carpet in. I asked her not to because I had pets, but to wait until I moved out before doing so. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Account was moved from XXXX to Citibank. During this time I was out of town, but had auto-payment set-up. I was not notified before my departure that the move would be made, and this caused my account with a balance to be moved to Citibank. When that happened, my auto-pay was cancelled by Citibank and I was made delinquent. I contacted Citibank and they agreed to nullify delinquency and my fees/interest as the move to Citibank was made by them and my auto-pay was cancelled without my permission. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Servicer does not allowed an alternate option in repaying the amount owed. The company is forcing a foreclosure. Is there any HAFA ( Home Affordable Foreclosure Aletrnative ) available with this company? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My bank account was seized on XXXX/XXXX/XXXX by XXXX XXXX XXXX. My joint accounts with my children were also seized, the have nothing to do with this debt. In total, XXXX accounts were seized, whereas only XXXX is mine. My children are not named in the court documents, only my bank. Where they got that information I do not know. I certainly never gave it to them. I received no certified or registered letter of court documents, and when I contacted XXXX XXXX those documents miraculously showed up on XXXX XXXX, XXXX, 6 months after the court date, and after my account was already seized. It has now been 70 days, and XXXX has still not released the hold They took all of my and my families money, which was n't that much to start out with. This has caused much hardship. There are fees included in my court documents that are frivolous. No XXXX served me with papers, yet there is a fee of XXXX for that. Miraculously, the XXXX office also sent a document in late XXXX XXXX, I feel to cover themselves, and once again well after the fact. This is unacceptable, and has devastated me and my family. 

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