AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am XXXX military and as such receive 100 % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is my second complaint on Lender Live. After my first complaint here, Lender Live sold my loan and have failed to send me proper notification. It is now XX/XX/XXXX and I still have no idea who to pay, who my new mortgage company is or any info on my new account. All I know is when I attempted to pay Lender Live on XX/XX/XXXX, I was denied access to my account and was unable to pay. So I then called Lender Live and was told they sold it. After being put on hold for 20 minutes I was seemingly intentionally hung up on. " XXXX '' was the Lender Live " manager '' that I last spoke to after she contacted me concerning my first complaint and so that is who I requested to speak to before I was hung up on. I even left a message for a return call from a manager and once again it went ignored. Lender Live is completely and totally a mismanaged, devious company and their customer service is totally unacceptable. I need to know who my new mortgage company is and how to pay. There needs to be some way to verify who I am paying as well. " XXXX '' needs to call me ASAP!!!! 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My Bank of America credit card account was closed without prior notification/warning. I tried to use my card on Thursday, XXXX XXXX, 2015 and it was declined. I called Bank of America customer service, waited 38 minutes, and was transferred 4 times. The last person I spoke to proceeded to tell me that they were missing some information in regards to my citizenship, that they sent out a letter requesting this information and received no response, therefore my account was closed. I never received a letter, an email, a single phone call from the bank requesting this information. I had recently requested a credit line increase which was approved, about a couple of weeks prior to this. All of my payments have been made on time during these last ten years, and my balance was about 10 % of my credit limit. 
The solution offered was to re-run my credit to reinstate my account - which I declined since I never requested my account to be closed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a voice message from the number XXXX. It stated that they were trying to reach XXXX XXXX. I am not, nor do I know anyone by this name. The message stated that it was investigator XXXX calling. She said she '' d been asked to contact XXXX XXXX directly to serve a summons and that XXXX should either contact them or fax a stand down order or she would be out with the XXXX XXXX XXXX 's office to serve a summons. She ended the call with, " Thank you and good luck. '' I was directed to call XXXX with case # XXXX. I did call that number and ask to have my phone number removed from their database as I am not XXXX XXXX. They simultaneously insisted it was their process server calling and not them and that they had removed my number. Then XXXX hung up on me. When I attempted to call back to ask to speak to her supervisor, she refused to put me through to anyone else saying she was the highest ranking person there. She called me rude and nasty even though I had not been derogatory towards her, then made some type of comment about feeling sorry for my husband. I do believe that the threatening nature of this call is a violation of fair collection practice. It is also a simple process to verify that they are calling the correct party, and in failing to do so and leaving threatening messages for unintended parties with small children in the home they demonstrated highly irresponsible behavior. I have saved the message and will gladly replay it for any investigators interested in pursuing this further. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I purchased XXXX new cell phone at XXXX XXXX ( XXXX XXXX, Ga ). Two months later I found out that XXXX XXXX opened up XXXX cell phones numbers under my name because of a collections notice that I received. I went to best by twice to resolve the issue. The first time the XXXX representative spoke with XXXX in front of me and stated that the issue will be resolved and it wo n't change my credit. Three weeks later I found out that it did get reported to my credit as an account in collection. I am currently seeking gainful employment and this will have adverse effects since i 'm in law enforcement. The XXXX XXXX managers name is XXXX XXXX ( XXXX, and he stated that he would repeat the process that was already taken the first time. He also refused to acknowledge the situations in writing. I have an interview for a federal position in a few weeks and this issue defames my image severely Thanks, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Synchrony Bank maliciously reduced the credit limit on my TJMaxx credit card in XXXX from {$1800.00} to the balance owed, {$1100.00}. Synchrony sent me a letter claiming they did this because they pulled my credit report and decided that they needed to reduce my limit. 

I have always paid Synchrony/TJMaxx on time, so there is no reason for them to 1 ) lower my credit score by cavalierly pulling my credit report. And 2 ) by then lowering my credit limit to EQUAL the outstanding balance, they 've further piled on the damage that they initially caused to my credit score -- by even pulling my credit report to begin with. I contacted them and requested that my credit limit be restored to at least its original amount of {$1800.00}. On XXXX XXXX, Synchrony sent me a letter denying my request for a string of vapid reasons. 

Synchrony 's actions are just more of a bank getting away with XXXX chance to ever get out from under a hefty credit card and interest cost debt. Please let Synchrony know that they need to stop this hateful and greedy beating up of us little guys. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Macy 's Fraud Department contacted me by phone on XXXX XXXX, XXXX to verify suspicious charges and it turns out the charges were fraudulent. Macy 's XXXX XXXX removed a {$260.00} charge from my Macy 's store account and told me I should send a " Statement of Fraud '' to Macy 's American Express Fraud Department to remove a {$40.00} Shell Oil charge made in Delaware. I live in XXXX, FL and I have never been to Delaware. Also, I was told not to pay for the {$40.00} charge. That same day, I went to a Macy 's store in XXXX, Florida and paid off my balance of {$1300.00} in cash. 

Macy 's Fraud Department told me they were mailing a " Statement of Fraud '' to my home address ( they told me they could not e-mail or fax the form ). After several calls to the department I received said " Statement of Fraud '' on XXXX XXXX, XXXX ( 1 month after the initial call ). I signed it and return it by mail on XXXX XXXX, XXXX. I called the fraud department and I was told it would take several weeks to process the fraud investigation after they received my letter. I paid my XXXX Macy 's statement balance minus the {$40.00} Shell Oil charge. My headache was just starting. The Fraud department kept saying that they did not received my letter or my fax. So, I started calling and faxing as follows : Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX The answer was always the same : " there is no record of receiving the Statement of Fraud by either mail or fax therefore we can not investigate it. '' After losing my patience, I sent a copy of the " Statement of Fraud '' to the Fraud Investigation Department by XXXX signature required on XXXX XXXX, XXXX and it was delivered and signed for on XXXX XXXX, XXXX. Afterwords, 3 months after the initial call, I called the fraud department and after one hour on hold I was told that they would give me an answer in a few weeks. My credit is damaged, Macy 's calls me everyday looking for payment, the original {$40.00} is now over {$120.00} with interest and late charge fees. I have spent more money with calls and XXXX that I would have if I had paid the original {$40.00} fraudulent charge. 

I want to clean my credit but the Fraud Investigation Department of Macy 's American Express card is not cooperating and it has made my life XXXX for the past 4 months. I was a very good Macy 's costumer and I can not wait to close this account and never again step in a Macy 's store while I am alive. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Freedom Mortgage Company has lost and otherwise misapplied three of my mortgage payments over the course of the past six months, the most recent payment being my XXXX 2016 mortgage payment which was made on XXXX XXXX, 2016 and received on XXXX XXXX, 2016. 

Despite repeated attempts to locate my payment and sending proof of the payment by my bank to Freedom Mortgage, they continue to call me daily, send me threatening letters with late charges assessed and harass me. Most importantly, they are incompetent in servicing my mortgage loan. They have cost me countless hours of phone calls, waiting on hold and passing me from person to person without providing any answers as to the whereabouts of my payment. 

After calling them every day this week, they are telling me at the 11th hour that my bank sent the payment electronically and they ( suddenly and without notice ) are telling me that they " do not accept electronic payments ''. The only method for payment instruction that my banking institution ( XXXX XXXX XXXX ) has for them is to send the payment electronically. 

Now, after waiting an entire week, they are telling me that I have to go back to my bank and get them to track down the lost payment. 

All of this is beyond frustrating and not the first time that this has happened to me in my less than 2 years of having a loan with this incompetent company. They should be fined and put out of business. 

My next course of action is going to be to refinance this loan with another bank to get rid of them. I have the luxury of being able to do that. Many other consumers may not have the same ability. 

They are awful! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: BackGround : I provided a real estate agent with XXXX cashier 's checks to help my son move into an apartment. Both checks were made payable to the apartment management company. The agent rented the apartment to someone else. I made an inquiry to my bank about the checks and they told me they had been paid. 
I contacted the apartment management company to ask them about the situation. They knew the agent, but had no knowledge of the checks and never received the funds. The bank was able to obtain copies of the checks and from them they determined the checks had been negotiated in a Citibank branch without having been endorsed on the back. 
I wanted to find out who had received the funds so I initiated a fraud inquiry through my bank. The apartment management company, the " Payee '', returned a notarized affidavit to the bank, which, in turn, contacted Citibank to ascertain who negotiated the checks, and into what account the funds were deposited. 

Issue : Citibank refuses to respond to the Fraud Inquiry from my bank. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX and IMPAC/XXXX XXXX are charging my husband and I 5 % interest for our monthly mortgage. I understand that this rate is too high. I spoke with another mortgage company that I plan to refinance with and they stated that I should file a complaint against these XXXX companies since they are charging such an enormous interest rate. 

In addition, I was advised that this interest rate is even discriminatory because my husband and I are XXXX XXXX and are making a fairly decent income. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: First Franklin in XXXX, GA obtained my banking information to process payments " ONLY WHEN APPROVED ''. However, they are consistently and randomly withdrawing unauthorized payments from my account. It started with my XXXX XXXX XXXX account, I had to end up blocking their business name from having the ability to use electronic debits. So they then slightly changed the name used to make electronic debts, and started withdrawing unauthorized amounts of money again. I then had to change my entire banking account information just to stop them. 

Then, XXXX the store manager pops up at my house to make " payment arrangements ''. I have spoken to XXXX, XXXX, and XXXX NUMEROUS times about my account. They PROMISED me that they would ONLY withdraw funds from my account, IF I authorized the payments. After dealing with them for quite some time now, I know and understand their scandalous practices, so I began recording EVERY call between myself and ANY representative from the XXXX office. 

Despite their promise to me to only withdraw AUTHORIZED transactions, they continue to withdraw monies from my account at their discretion, which are NOT AUTHORIZED. I have absolutely had enough of going back and forth, around and around with this company. I am reporting this matter to any and everyone who has any authority to stop them from STEALING money out of my account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a debt settlement in the mail regarding a bank credit card i do not own. I did respond by calling the phone number on the debt paper i received but no person answered the phone but the voicemail did come on but it was full and could not receive and anymore calls and i got disconnected from the collector by their end. I feel uncomfortable paying a settlement i do not know about. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wilson Riley and associates called and threatened to have a warrant issued and to sue me over a debt from XXXX or XXXX they curse at you called my ex wife and threatened her with the same even though at that time we have been divorced over 5 plus years. One man called and stated he was an investigator with the state of California. I have voice mails verifying the tactics they use and can forward it as I saved it. Wilson Riley and associates have called numerous times, we agreed to pay off the original amount and the XXXX payment was late as we were loading it on a card then we received another threatening call about a sheriff coming to our door with a warrant and that I will be sued and charged with wire fraud because we declined a wire transfer between states. They also said our agreement was null and void a d that my info was erased from their system, but on XXXX XXXX, XXXX they took out {$110.00}, so XXXX payments that are unauthorized were taking out, going by their words nothing should have been touched. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage is with Wells Fargo Home Mortgage ( WFHM ), Loan number XXXX. I have been trying to take advantage of the government programs to reduce my mortgage interest rate since XXXX XXXX and have received a run around from WFHM because I had temporary employment and unemployment income. XXXX XXXX I received a permanent job back in the federal government. I informed WFHM the moment I was accepted for the job but was required to present a letter of acceptance and income amount to prove I had a job, which I did. Then I was required wait and fax a copy of my paystub. I faxed copies of my paystub starting in XXXX. I was set up for a modification with 3 payments to be made in XXXX, XXXX and XXXX of XXXX. At that time I was told my interest rate would be XXXX. WFHM changed my Home Preservation Specialist and I was ignored there after until I started calling and complaining. I called every month since last XXXX. In XXXX my complaint to WFHM was excalated because their Title Department was saying that I had a lien against me that was holding up my paperwork. That was not true and I had to call the State of Ohio to obtain information and literally do the Title Departments job for them by printing and faxing the paperwork to WFHM that the the Attorney General 's office required to be completed to verify that there were no liens against me. The Attorney General 's office could not provide information to me to give to WFHM. I spoke with a young lady named XXXX who guided me to the website to obtain the forms to be completed. WFHM needed to contact the Attorney General 's office themselves which they refused to do. Everyone that I spoke to at WFHM on 3 different levels told me that it was my responsibility to clear up the lien issue and prove that the information for a XXXX XXXX was not me. Now after 10 months I finally received paperwork that has an interest rate of XXXX. I was told by XXXX XXXX that nothing would change from the initiation of this modification. It was approved with the initiation of the 3 trial payments and as long as I made those payments on time as required, the modification would be finalized as stated at the 3.385 interest rate. I have been struggling trying to get WFHM to work with me for two yeays, long before I ever got behind in my mortgage and have gotten a run around. Now they are changing rates on me and I want this to stop. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My XXXX year-old mother has been telling me for many months that someone is calling her house every day and then not talking when she picks up. I was visiting and saw calls from this number on her phone memory for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I googled the number and the company and there were many complaints from people and I got their contact phone number. When someone answered, I told him that I wanted to know why they were harassing my XXXX year-old mother. He told me they were looking for someone named XXXX with the same last name as my mother. There is no one named XXXX in our family. They just randomly chose my mother to harass because she shares the same last name with the person they want. They made no attempt to find out if he lived at the number they were dialing FOR MONTHS!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Incorrect information of inquiry by XXXX XXXX XXXX/XXXX/2015 and XXXX XXXX XXXX/XXXX/2015. 
They said they would not make a credit check on us. They said they would do a soft credit check that would not appear on our credit record. 

Company response: Company chooses not to provide a public response
Consumer complaint: I found the account active, about a week after it was opened, because I frequently check my credit report. I filed a case with XXXX, which was investigated for about a month ; and was denied any satisfaction. They claimed that the account was opened legitimately. At this time, I filed with the Consumer Finance Protection Bureau and placed the Fraud Alert on my account. 

I then filed a report with Transunion, because on XXXX, I was only allowed one 'dispute ' at a time. This was investigated for about a month ; and again, was found to be a " legitimate account ''. 

The account was eventually removed from my XXXX credit report ; but remains on my report from Transunion. Meanwhile, the charges on said account have gone from less than a hundred dollars - since my first dispute was filed with XXXX - to almost three hundred. 

As of today, I have also filed a claim at IdentityTheft.gov 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The Home Depot/CBNA account # XXXX is showing a negative 30 day mark on my credit report for XXXX. I have called them to dispute this multiple times as I was not aware that a payment had not processed. As previously stated to them, this was set up on auto pay with my XXXX account, NOT home depo, and for whatever reason did not get to them. When I was notified, I immediately paid the account and it is even paid in full/off. Home Depo had very good customer service and understood what happened, they refunded all the fees and late fees associated with the error. I appreciate that, however I do not feel this should have been reported on my credit report. I have talked to multiple representatives after, and they all advised that once reported they cant remove. They again proceed to say we updated everything on there end and credit me any fees, however I am disputing the 30 day late reporting on my credit report. I kindly ask you please remove or advise what next step I need to take as I strongly feel this was incorrectly reported. 

*note you have removed ALL fees, therefore based on this you acknowledged this was an error, please move 30 day late as well. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This company has called me repeatedly over three years after my informing them multiple times that this was a wrong number. Their caller ID does not list a name. They have been very rude and refused to identify themselves when I asked who they were, saying " if you are n't the person we are calling, then you do n't need to know. '' I have called back and asked to talk to a supervisor -- they said they would transfer me, and dropped the call. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo shut down both my checkings and savings accounts due to concerns over check fraud, but before doing so, reversed all deposited checks TWICE ( so I was short ~ {$4500.00} instead of being neutral ). I have now spent 7+ hours on the phone and in their branches, getting passed between customer service branches, all the while they insist that their math makes sense ( it does not ). Even worse, Wells Fargo has a monstrous arbitration agreement with crazy fees, so I am scared to contest this, even though it is obvious to anyone with a spreadsheet and half a brain that I am right. In my documents, I have highlighted the " extra '' reversal charges that, very simply, need to be undone such that the account goes back to the balance it was at before the XXXX deposit. 

In short : Wells Fargo thinks that my ~ $ XXXX check deposit is equivalent to the ~ $ XXXX in matching debits. Basic math indicates that it is not. 

Please help, CFPB! 

Company response: Company chooses not to provide a public response