AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: A little over two years ago, I had a Macy 's department store card. Then I suddenly received a new Macy 's card with an Amex logo on it. I assumed it was meant to replace my old store card because there was no other explanation in the envelope and it arrived looking just as replacement cards do, so I started using it. Luckily, it was only a small purchase I made, but it turned into a massive issue because I never received the bill. I was used to getting my department store statements online per my request and I did n't realize so much time had passed until I started getting calls from collection agencies. It turns out that Amex claimed they had n't been able to send me my bill and it was months overdue. Someone finally explained to me that I was dealing with XXXX separate cards and XXXX separate bills. I was furious about them opening a new card for me and then not even transferring my billing/contact information along with it. I finally got a Macy 's rep to straighten things out and I demanded that they fix things with all XXXX credit bureaus too. Then I demanded that they close every account related to me. They agreed. Last week, I received a letter fro Macys Amex saying that they have n't been able to email me my statements so they 're canceling my online preference and will start sending me paper bills!! This account was supposed to be closed two years ago! Is it not illegal for a company to issue me credit card without asking me? It must impact my credit if they check my score before issuance. What 's more is I 've had that unused credit sitting idle all this time. I have n't been able to figure out how it has affected my credit score over these last two years! I 've been emailing and calling them but no one can explain what happened and they 've just stopped communicating with me. I want them to fix this with the bureaus. I do n't think I should have to do it. Today I got a generic letter saying that my account has been closed, but it should 've been closed 2 years ago! What 's more is that the letter says that they 'll report the closure to the bureaus, but it will report it like a regular closure without explaining that the card was n't requested by me. How can this not damage my credit? What path of recourse do I have? Has this been illegal activity on Macy 's part? I would really appreciate any help you can offer. To be clear - this issue is with both Macy 's American Express ( for opening a card without my consent and not closing it upon request ) AND Macy 's ( department store ) Credit Card ( for not closing my account at my request ). 

Company response: Company chooses not to provide a public response
Consumer complaint: For many years prior to my divorce, and during my separation, I 've made timely, monthly mortgage payments. My ex-husband XXXX XXXX XXXX XXXX held the Mortgage note : property address XXXX XXXX, XXXX XXXX XXXX. XXXX with Wells Fargo. He relinquished the home through bankruptcy and subsequently through the divorce on XX/XX/XXXX. ( divorce index XXXX ) I also filed for bankruptcy keeping the home and a loan assumption through the United States Bankruptcy court of XXXX District of XXXX in XX/XX/XXXX and was granted the approval allowing me to assume the mortgage note however, my name still does not appear on the mortgage statement as of date. ( case XXXX ) Adding insult to injury, through the United States Postal Services , XXXX had my mortgage statement ordered by U.S bankruptcy for which I 've been paying for over nine years by myself redirected to his house in XXXX . ( Please see at attachment ) My FICO score has suffered tremendously. I 've made all possible attempts through the courts to regain my statue creditably. 

Company response: Company chooses not to provide a public response
Consumer complaint: National Credit Systems continues to report to XXXX XXXX XXXX that I owe XXXX Aparments {$4000.00}. I have told them numerous times that they have made an error, and that this debt does not belong to me. I have never lived there. In fact, I have lived in my current home for over eight yeras. They claim that they have nothing to do with the debt being on my credit report, and if I want to contest it, I should contact XXXX XXXX Apts directly. I have done this, and XXXX XXXX tells me they have no record of my name having a debt with their community. I reported this information to National Credit Systems, but National Credit Systems continues to report this error on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/2015 I filed a complaint with CFPB, Case # XXXX. Loan Science responded to this complaint and offered me a Loan Modification for my student loan. I accepted the Loan Modification and signed it and returned it to Loan Science on XXXX/XXXX/2015. In their response to my complaint, they stated that XXXX ( their Loan Servicer ) would have the Loan Modification processed within 10 business day. Well, it is now past 10 business days. XXXX processed only part of the Loan Modification. They reduced the interest rate to 0 %, they reduced my payments to {$410.00}, and set my payment plan up for 354 months ... BUT, they did not reduce my principal amount. Currently, on XXXX website it states that I owe $ XXXX still. I should only owe $ XXXX according to my loan modification. See attached documents. 
I called Loan Science to find out why this still is n't updated. They then did a conference call with XXXX to find out why it is n't updated. We had to talk to several different people and we were finally transferred to a Supervisor with XXXX who claimed that they did n't recieve the information from Loan Science to reduce the principal, only the information to set up the payment at {$410.00}, the reduced interest rate at 0 %, and the payment schedule of XXXX payments. And then XXXX mentioned something about taking the amount off after I paid for 30 years. I do n't think so, this needs to be updated now to reflect the information the loan modification states. 
Not only am I stuck paying for a predatory loan that I feel is n't fair but when they offer me some sort of relief, they still ca n't even get that updated properly. I am at my wits end. 
I spoke with XXXX very nice ladies today at Loan Science, XXXX named XXXX, and her supervisor XXXX XXXX who told me that she would have this resolved by Friday and that XXXX would have their website updated to reflect the reduced principal amount. Although she stated that this would be updated by Friday I still feel the need to file a complaint because I need to make sure I have record of this issue so that it 's not delayed any further. It seems I only have resolution when I complain on this website. I want to make sure the principal amount is reduced before I may my first {$410.00} payment due on XXXX XXXX, 2015 because I fear that if they do n't have the principal amount reduced, any payment that I make will get applied to the old principal amount and when XXXX finally gets around to updating to the reduced principal amount any payment I have made will get lost and then I will have an entirely new problem to deal with. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: made a prepayment plan for XXXX payment to be pay in a 6months period paid it off early and when we did found out they had been reporting us as late in our credit report when we started the plan was not advised they would do this or that it would stay on our credit report for 7 to 10 years, which makes it hard for us to refi at a lower rate. we held up our end and even paid it off early we think they should remove it from our credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was sold to LoanCare. I have my loan payments to my mortgage/escrow account automatically deducted from my checking account each month. I ave never been late or missed a payment. I received notification from my homeowners policy holder XXXX that payment for my homeowners policy had not been received for the past two month and that my polcy was thus cancelled. I in no way was informed nor authorized any changes to my escrow account 

Company response: Company chooses not to provide a public response
Consumer complaint: Towards the end of XXXX I was discussing the options I had for deferring my student loan payments from Salle Mae, as I am in the process for re-enrolling in school. I was advised that I can take a XXXX month forbearance until my registration was complete and could then defer my payments as a full time student. I thought everything was set up, however I received a notice that my payment was past due in XXXX. I called to confirm that everything was in place and advised it was not, so I attempted to set up the three month forbearance. I was advised that this is a customer service ability but could only be initiated after I made my payment and they could only do a XXXX month deferment. All I want is to be able to do the XXXX month deferment like I originally wanted and for this company to be reviewed for potential lending violations. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have been requesting a loan modification from Wells Fargo in reference to our consumer. He is XXXX year old man working as an attorney and need to find a solution for him to stay in there home. We have submitted all require documents to Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX account on my credit report with XXXX that is not mine I 'm not an authorized person and nothing like that but it is appearing on my credit like they are mine so please take them off. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX complaints as a result of a refinance of our mortgage. Refinance was done with the same company servicing the original mortgage. First complaint is regarding a Forced Place Policy for Hazard Insurance put in place even though we never had a lapse in coverage. Second complaint is regarding the length of time it is taking to get a refund of our escrow money. 

1st complaint. On XXXX XXXX, XXXX I changed insurance companies. On XXXX XXXX, XXXX I cancelled the original policy. Ditech shows the cancellation notice, which was sent at the same time as the new declaration page for the new policy. In XXXX Ditech ( which was GreenTree at the time ) established a Force-Placed Policy and withdrew XXXX from the escrow account to pay for the policy. An amount that is excessive in nature ( My current annual premium is XXXX ), and should be addressed based on RESPA Section 6 ( l ) ( 3 ) Regulation X. My specific complaint is that they did not refund to us the amount in a timely fashion as identified in RESPA section 6 ( l ), which states payment should be made within 15 days. 

2nd Complaint. Once application was approved, processor did not agree with originator that funds from old escrow could be moved to new account ( which in my opinion would have helped the intention of HARP, by reducing debt and/or out of pocket expense for refinancing ). Ditech on several occasions has informed me that it can take up to 60 days from the day a loan is funded to receive a refund from the old, closed escrow account. This seems to differ from the RESPA Refund of Escrow Section 34 ( b ), which states " within 20 days ''. 

This information was found on CFPB website, at this link XXXXWhich Relates to the Dodd-Frank Wall Street Reform and Consumer Protection Act, which was signed into law, Number 111-203 in XX/XX/XXXX. 
Insurance issue was found on page XXXX and the Escrow refund on page XXXX. 

Thank you for your help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed my XXXX tax liens that were filed XX/XX/XXXX for balances of {$30000.00}, {$2800.00}, and {$24000.00} filed with all XXXX bureaus. These liens are over 7 years old, and my legal rights are being violated with the Fair Credit Reporting Act Section XXXX 15 U.S.C. 1681c ) ( 2 ). This Act states, that liens which began reporting over 7 years ago should be removed from a consumers reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 my house burned down in the XXXX XXXX in California. My insurance company issued a check to cover the house on XXXX, 2015 in my name and Wells Fargo Bank as they are the loan holder. After Calling The wells fargo main number I was told to take the check to my local branch in XXXX on XXXX XXXX, where they would endorse it and I could then pay them off. I made an appointment with the Assistant branch manager XXXX XXXX on XXXX XXXX, 2015. XXXX XXXX while talking to someone advising him over the phone told me I would have to sign the check then they would mail it to their main branch, where it would be processed in 10 to 14 business days. Once it was processed they would deduct the {$52000.00} plus owed to them and send me a check for the balance. I protested and asked if I could pay off the loan now then simply have them sign the XXXX check. They stated they could not do that because once I paid off the loan they would no longer be a signatory on the XXXX check. I told them this was ridicuoous, but I was forces to comply by signing the XXXX check whereby XXXX put it in a large envelope and said it would be sent out right away. And that I should receive a check from them in 10 to 14 business day. Today almost 3 weeks later I called the main Wells Fargo phone number to check on the status of my money. I was told they had not received the check I was talking about. I called XXXX, he stated he remember logging the check out and mailing it. He too checked with the main office, they also told him they still had not received the {$540000.00} check from XXXX endorsed by me. They were claiming the recent holiday must have messed up the mail, they kept saying XX/XX/XXXX but I suppose they meant XX/XX/XXXX, at any rate one holiday would n't slow down the mail for 3 weeks. I have no iddea what Wells Fargo is up to other than possibly complete incompetence, but I '' ve been waiting 3 weeks for this money so I can move on with my life. I would really appreciate any help you can provide. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX won a home from me in court, but he failed to refinance the joint mortgage before he stopped making payments. The mortgage company did not send me any statements or provide any notice, they reported me to all XXXX credit reporting agencies as failure to pay. XXXX settled the account satisfactorally by sort sale, but my credit report has n't been updated to reflect a positive outcome. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft. I have disputed this account multiple times and requested verification of debt but this company refuses to respond with any information regarding this account. This account does not belong to me and I want it deleted immediately. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 I signed-up for a Wyndham Rewards Barclay VISA Card as part of a Wyndham time-share program I purchased. The Barclay VISA card was used for the down payment. The terms of the Barclay agreement I received on XXXX/XXXX/15 stated that the balance transfer terms were 0 % APR for balance cfers made within 45 days of opening the account. When I received the credit card in the mail about 2 weeks later, the balance transfer terms were stated to be 0 % APR for xfers made 0 days after opening the account. This is an error I would like to get fixed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX accounts listed on my credit report by a collection agency called " XXXX XXXX XXXX ''. I have disputed both with Transunion and the response was a remark on my report indicating " DISP INVG COMP-CONSUM DISAGRS ; & gt ; PLACED FOR COLLECTION & lt ;. 
Under loan type both are listed as " FACTORING COMPANY ACCOUNT ''? I have no idea what that is or what it means. 
I have requested documentation such as signed documentation that these are my accounts as well as payment history to show where they came up with the dollar amounts listed. Neither Transunion nor XXXX XXXX XXXX have provided any documentation. Simply the notation on my credit report that the investigation is complete. 
How does a collection agency get to throw items on your credit report without any documentation whatsoever? What recourse do consumers like myself have? 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently have an active Best Buy Credit Card and have recently been charged over {$700.00} of interest charges from a purchase from a promotional balance that was due by XXXX 2015. The issue thatI have is that each month I have been paying $ XXXX {$200.00} more than theminimum payment so that I would not have this issue. I recently called the credit card company and they said there was nothing they can do. I was specifically told that if I wanted to pay my promotioal balance I was to pay more than the minimum payment. I did thisand do not have an extra {$700.00} to just throw away. I would like best buy to credit me the difference in each payment I have made like they said would be done so that I do not need to pay anadditional interest fee of {$700.00} on top of my current balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Phoenix Management XXXX ... Debt Collector contacted me about XXXX separate online Music supply stores. XXXX was XXXX XXXX. {$230.00} EA. AND THE XXXX ONE WAS XXXX XXXX # XXXX for {$500.00}. I told the guy on the phone, I would much rather pay the exact places back because I had a Music credit card with them and I did n't want to permanently lose my credit. He said, '' Well, if you start a payment plan with us, It will keep your National credit clean and these XXXX accounts will fall off your credit. Everything 's going as planned. The XXXX XXXX get paid off and drop right off my credit. Then XXXX XXXX # XXXX for {$500.00}, After an additional 6 weeks than normal and 15 fax 's, The balance is XXXX but the {$500.00} credit that has been as hard as building a PYRAMID! IS STILL THERE? i PAID XXXX % TO HAVE IT CLEANED UP AND INSTEAD GOT XXXX % CLEANED UP. THEY CAN EITHER " CLEAN UP '' THE OTHER {$500.00} AND MARK IT UNPAID AND SEND IT BACK TO WHERE THEY GOT IT. ME! sINCE THEIR XXXX % BUYING % PRICE= {$150.00} A ) OR B ) 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: 1. Tried to request an online refund within 10 days of a previous online refund. Website verbiage misleading, making customer believe that ( s ) he can call customer service to request a refund. 
2. Called citi government credit card services. Entered XXXX digit credit card number and last XXXX of SSN via touch-tone keypad to validate my identity. Once I forwarded to a customer service representative, required to provide XXXX credit card number and last XXXX of SSN verbally over the phone. ( a ) Inefficient - wastes customer 's time & ( b ) security concern - XXXX digit card number and last XXXX of SSN must be passed verbally over phone to customer service rep. I made this call from my workplace & co-workers to my left and right could have copied my information. Completely unsatisfactory. 
3. Customer feedback? Asked my customer service representative to take-down the XXXX concerns outlined above ( XXXX ). Customer service rep did not have a means to collect customer concerns. Asked for her supervisor. Supervisor did not know of a means to collect customer concerns. Sent back to customer service rep to " copy down '' my concerns. If a multi-billion dollar company does not have a means to collect customer comments, it is highly doubtful a customer concern will be heard by management, much less reviewed or implemented. Additionally, Government website does not provide a link to provide feedback : XXXX classic=2Found this online customer feedback link after a google search. Recommend providing a link on the government credit card online banking website to collect, review, and implement constructive customer feedback. 
This XXXX phone call and this survey only solidifies my 20-year loyalty to XXXX and XXXX. After today, I will be reticent to use citi for any of my banking or mortgage needs. 

Company response: Company chooses not to provide a public response
Consumer complaint: BB & T was involved in A federal investigation. The other banks settled. Where BB & T would n't. XXXX XXXX was convicted of the crime. Now there 's a lien against my dead father. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just recently got a new job and the loan company is calling me at work. I ca n't have personal calls on my work phone, and all calls are recorded due to the nature of my job. The company is jeopardizing my employment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to Suntrust Bank to order Checks and the teller started asking me all these question and I assumed it was for submitting the right information on the checks. She never asked me anything about applying for a credit card. a week later I called to see about my check order because I have n't received them yet. They told me to go to back to the bank to see about the order and they told me that no checks had been ordered. A week later I received a letter in the mail denying an application for a credit card from Suntrust Bank. I took the letter to the bank to see the teller. The teller who was suppose to order checks for me was n't in and a representative took my complaint. She explained that it was the manager who applied for a credit card in my name. The representative took my complaint and explained the manager had no authority to apply for a credit card in my name or for me, because she was n't a sales representative. I then called the bank 's customer service and filed a complaint with them. Later that day I tried using one of my credit cards and it was denied and it was available credit on it.This may have a ripple effect on my credit with my creditors 

Company response: Company chooses not to provide a public response
Consumer complaint: This company has a judgment on a credit account that they bought from XXXX of my creditors. In addition, I have not given them any personal information about me. However, they have won a judgment against me and I understand that. But I have never given them any information about me and they have been able to obtain a legal order allowing them to contact my past and previous employers to garnish my wages. I am currently in the process of filing a head of household exemption but I 'm a little uneasy knowing that creditors are allowed to violate my privacy and utilize the court system to seek my personal information. Again, this is a third party collection agency who bought my account from my original creditor. I plan on taking this a little further. The agencies name is XXXX XXXX XXXX , XXXX. My new employer was served with a writ ordering them the provide my information. This could of resulted in ramifications to me and my lively hood. 

Company response: Company chooses not to provide a public response