milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: A counterfeit check ( written XX/XX/2016 and cashed XX/XX/2016 made payable to XXXX XXXX XXXX in the amount of {$1300.00} - A copy will be attached ), using our account number and routing number was created, cashed and deposited at an unknown branch of Wells Fargo Bank. We have contacted a local police detective who has left messages to investigate this incident that have not been returned. This check shut our main account down and then we subsequently had an internal thief in our office take FULL advantage of our account being mandated to be shut down. We have reached out to Wells Fargo MANY times and they are ignoring us and continue to recuse themselves from having to abide by laws ( that i hope you enforce ). They will not tell us which branch it was cashed at so we can get a search warranty from the detective we are working with. We are VERY upset that a BIG bank thinks they are above the law and we are NEVER going to accept that answer. Wells Fargo is the bank that made us aware that we are victims of fraud and then disappeared. They also initially reimbursed us for our lost money ( due to a KNOWN false, illegal, not cool, dishonest, check ) and then took back the money and claimed they were innocent and never even cashed the check ( which they actually told the detective that ). I promise you that every institution we contact about this situation will be held to doing their job. We are NOT going away! We firmly believe this was an inside job at Wells Fargo and they do not want the bad publicity and that is not going to deter us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I was told I would get a XXXX  dollar credit for XXXX dollar of purchases within the next statement. Later, they changed their answer to only get it after two billing cycles. I had called two times to confirm this and they only changed their answer after I had already made the purchases. They only offered the offer when I tried to cancel the card. CITI is clearly bait-and-switching their customers to extend their credit cards. This is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was initially suppose to get my annual free credit report but when it asked the security questions it stated that in my file i have opened some retail bank cards which i have not opened up please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I wish I had know about the CFP years ago, but I could use your help now. I was foreclosed on by PHH but filed a countersuit against them. All of that is over now but PHH refuses to send me monthly statements. I 've called them and sent notes with my payments. The second call about a month ago they told me, they would send statements. I am not 100 % sure what the payments are and fear getting in trouble with them again. My house will be paid off in a couple of years but meanwhile, lots needs to be fixed, etc and I ca n't get a loan. I 'll look some more at the website but if you could get them to send me monthly statements, I would really appreciate the help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (GA).
Issue: Money was not available when promised

Complaint: I sent a wire transfer to Coinbase for XXXX XXXX dollars at the end of XXXX, beginning of XXXX and have not seen the money show up in my account and I have not had It sent back to my bank either. I made numerous attempts to send in the proper identification they asked for and actually gave then the same files they needed multiple times just to be sure. Since then that have continued to tell me It will not be XXXX5 business days but that is no longer credible as they just have stopped trying to work with me. I have since sent them over 10 different new email threads in this time period to no avail and Coinbase took my XXXX and I have not seen it since.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent you a complaint case # XXXX and Ditech did not adjust my payment until I called them back a second time about changing my mortgage payment XXXX dollars more a month. While they gave me the run a round two times, they told me that I was to wait until they get back in touch with me and do not worry about paying them and my credit would not be affected. Guess what, my credit was affected after they told me it was their fault that this problem occured and they would correct their error. I have NEVER been late with a mortgage payment until this incident happened. Every customer service person woul always tell me a different reason for the problem except XXXX. She admitted to the problem and she told me it would not affect my credit and said it would be noted on my record and I would receive a letter stating the same. I received neither the letter or correction staing that my credit would not be affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: Having issued with the  XXXX  credit bureau 's. Equifax place a Fraud Alert on my credit account. I contacted Equifax via fax, to remove the Fraud Alert. I was told that it would take up to 48 hrs. for removal, I also contacted   XXXX   and  XXXX , was it would be removed by the end of the business day. Around the beginning of  XXXX  I contacted Equifax again requesting the removal, I was giving a case number of  XXXX  and a conformation number of   XXXX   stated from them that the Fraud removal was done. I contacted the other   XXXX    agencies requesting the same, I was told by  XXXX  agencies that they could not remove the alert until Equifax remove it. Contacted Equifax again requesting the removal, was told that the alert was removed and that he would put in another request in because I could still see the alert attached to the account that was monitored through them, given the conf. no.  XXXX . also mailed in a request on  XXXX   XXXX . as of today the Fraud Alert still stand on the accounts. Today I received correspondence 's from  XXXX  and  XXXX  stating that I requested an Extended Alert to be place on the account, to which I placed no such requested. Contacted the bureau 's was told Equifax and a third party requested  XXXX / XXXX /17 and  XXXX / XXXX /17

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I am livid on Nation Star 's injustice against me. Nation Star is using fraudulent claims against me in order to deny my loan. XX/XX/2016 I was denied for Hamp Tier 2 due to insufficient monthly payment reduction. Nation Star used The Federal Standardized Living Expenses Calculator ( {$2500.00} ), to calculate my expenses than my actual expenses on my Making Home Affordable Application ( {$1400.00} ) What is even more concerning is that my current market value was not even taken into consideration at that time but to my understanding, the loan to value is important to determine if the payment would increase or decrease. 
I was denied on XX/XX/2016 for a modification again due to their outrageous claim that my home is worth {$140000.00}. There is no way my home is worth that much! My property is grossly underwater and needs a lot of work. I recently paid for an appraisal to be done on my home resulting value of only {$120000.00}. Based on the Hamp Tier 2 guidelines, my loan is eligible under these terms. This is really affecting me due to Nation Star prolonging my case, I am falling further behind in debt. I have attended workshops for struggling homeowners like myself and have learned about my homeowner rights. All I want is a fair review under my correct income and correct property value.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: Several months ago my mortgage was bought by a company called Amerihome Mortgage, as soon as they started they sent me a letter saying I was short on my Escrow account, and raised my payment by about {$100.00} which made my new payment go from {$1300.00} to {$1400.00} this was XX/XX/XXXX. Which I complied by, back around XX/XX/XXXX, I submitted information to have my PMI to be removed, they sent me a email that said I had met the requirements and that on XXXX/XXXX/XXXX it would be taken off, I asked for my statement be sent to me showing my new payment would be, that 's the other issue I have asked that a monthly statement be sent to my home each month since they took over my loan, still no statements, than just this week I received a letter telling me that my new payment would be {$1300.00} starting in XX/XX/XXXX. And that my escrow account was short {$260.00}. I have paid the full amount of {$1400.00} right up to XX/XX/XXXX which would have {$340.00} over paid since XXXX/XXXX/XXXX. Which would make a total of {$79.00} over paid to cover the {$260.00} they say I owe on my escrow. I keep calling to resolve these XXXX issues but get nowhere?? They do n't return my calls, or email complaints leaving me to this point of filing a complaint and try to get help resolving my XXXX issues, and I guess also the escrow account seems to be messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Debt collection (I do not know) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Afni is reporting an account on my credit report that does not belong to me, and it severely damaging my credit rating. I mailed a letter to them requesting information regarding this debt, and did not receive a response. The acct # as listed on my credit report is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Services calls me constantly and has done so for over a year. Since they are a debt collection company, I assume they are calling for a debt. I do not owe any debts other than a mortgage which I pay on time each month. This company calls a minimum XXXX times per day early morning and late at night. I have logged XXXX different numbers used just in the months of XXXX and XXXX 2015, making blocking of the numbers extremely difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I am going through a divorce, and I am required by law to provide 5 years of credit statements to my husbands lawyer. The divorce is dragging out & getting difficult, and I can not afford to make my minimum payments anymore. I explained this to them right away, and apologized to them a lot. I then explained what I needed to do, 5 years of monthly credit statements ending on XXXX XXXX 2016. The date I called wasXX/XX/XXXX at XXXX XXXX, ( XXXX ) XXXX, the call lasted 50 minutes & 6 seconds ( it 's on my phone ). I was bounced around between 5-6 people, the last one a supervisor, who was very condescending in her tone & attitude towards me. My divorce lawyer clearly explained to me by law the creditor is required to provide me this information. The women who I spoke to, and was suppose to be a supervisor actually said to me I had to provide her with a subpoena for that information! I asked her how was I to serve them from a county court in PA, when I had no idea of their address, or where they were?!! She also did not proved me that information. I had a court hearing in a very short time from then that day, they were the only creditor who refused my request! I had been on my phone forever, was clearly upset & desperate, I begged them over & over for help & compassion, that woman said she 'd put me on hold to help me, after 14 minutes, I had to hang up, so I would n't be late for court. I was so stress out that later on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (NY).
Issue: Closing on a mortgage

Complaint: My mortgage was bought by M & T Bank a few years ago. I had problems making payments for past few months. I reached out to M & T Bank. The options which they gave me only would cost me more money. In   XXXX   I applied for refinancing with another company. Every thing went well. On   XXXX   XXXX  , M & T Bank advised new lender that payoff for mortgage was {$70000.00}. This payment was for money due M & T Bank from   XXXX   through   XXXX  .
On  X/XX/17  a payment of {$1200.00} was cashed by M & T Bank. This payment was my late payment for month of   XXXX   XXXX  . M & T Bank received two payments for the month of   XXXX   XXXX   Both new lender and M & T told me that Payment of {$70000.00} was received by M & T  Bank on   XXXX   XXXX  
On   XXXX   I was informed by   XXXX   XXXX    of M & T Bank that M & T Bank had received payment of {$70000.00}. I asked about the payment of {$1200.00}. She said that money had been sent to us.
I was not satisfied with previous information and I called again M & T Bank. The last call l made I spoke to  XXXX . I asked him how to make a complaint. He took internal M & T Bank complaint. I called earlier this week and again   was given the runaround.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Medical) with Credit Solutions (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: on XXXX/17 I called to pay off a debt, paid it in full and asked for the paid debt to be deleted/removed from my credit report. I was told it would. I called back to day XXXX/17 after pulling my credit and saw that it was n't and asked for a supervisor ( Credit solutions - XXXX, XXXX ) and he said it was company policy not to delete or remove from credit reports, he said that if the previous call recording proved that I was promised such thing - he would honor it. So I said, you are capable, please just do it, by your company policy do you realize you are keeping people from getting on with their lives. He then tried to shame me stating that it had been 2 years since the bill was put to collection and the only reason I was paying it now was because it was in collection- stating clearly that he felt he understood why I did n't pay the debt until now.. I stopped him and told him he would not turn this around on me and asked him again to please take it off my credit report. I should not have to explain why and ambulance bill quickly went to collections and then why it took so long to pay it. It is none of his business and it is bad business practices to refuse to clear the debt off the credit report.

Company response to consumer: Untimely response
Consumer complaint received 07/20/2017 about Student loan (Private student loan) with AES/PHEAA (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have private student loans through XXXX from years ago, but were just sold to XXXX. However I have a variable rate for them, and I wanted to see if I could refinance them from the 11 % that they are at now to something fixed and lower. I called my service, AES and they said they just service the loans and they do n't handle those things. So I called XXXX, and they advised they no longer write student loans and my options were to find another carrier that I could refinance with. It should n't be that hard to get my loans refinanced or the terms changed so I am not paying 11 % interest. I am a good customer, I always pay on time and I have only ever requested a forbearance a couple times. Nothing habitual that should make this a difficult process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Good Afternoon, we had been working with a mortgage client who had a mortgage with XXXX XXXX XXXX and then transfer to Bayview after 4 years working loan modification was approved and finalize. The issue is Bayview has been placing all payments on Suspense and reflecting the client past due XXXX they have not posted any of the consumers payments properly towards the account and reflecting on credit report. They are under a violation since they are withholding payments on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: Macys XXXX has placed me on electronic billing statements without my permission several times. I have gone to their website to request paper statements to just be switched back to electronic statements a few months later without my request. Being that Macys spams my email account several times a day with unwanted marketing material, I opt out of their emails which removes Macys.com from my email box and therefore electronic statements never make it to me. This has happened twice in 18 months which resulted in 2, XXXX lates reporting to my credit reports over the last 18 months. Macys customer site for their consumer charge card is confusing and uses multiple pop ups trying to trick the consumer into electronic statements without the consumer understanding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was notified by the credit bureau that XXXX XXXX XXXX XXXX has placed a " Derogatory Notice '' on my credit profile without prior notice. That affected my overall credit rating score. 

I have never been notified by XXXX XXXX XXXX XXXX XXXX about any outstanding debt. As soon as I have learned about it, I called the XXXX XXXX XXXX and I was told that I owe {$130.00} for a medical bill. 

I offered to pay the amount immediately, despite the fact that I have not received any notification or verification that I owe this amount. I asked for the " Derogatory Notice '' to be deleted from my profile. 
Company 's representative refused to do it and hang up the phone on me. 

I ended up speaking with XXXX other representatives who were not helpful as well. 

The amount of {$130.00} that I allegedly owe, I paid on-line the same day of the inquiry. 
I am requesting the " Derogatory Notice '' to be removed from my profile as I have never been notified of any outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Medical) with Phoenix Financial Services LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have received several letters and phone calls in the past, but they were never able to verify the debt belonged to me. I recently pulled up a copy of my credit report and it still remains on my report. If there is no verification and the information that they asked in the past does n't match, then this line item from my credit report needs to be removed promptly Phoenix Financial Services LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Late fee

Complaint: I have XXXX different Citi Bank credit cards. All in which I have had for several years and been granted fairly high limits. I have NEVER missed a payment, always making all payments on time via their online portal. For the first time, and with only XXXX of the cards, I missed a payment. As a result, I was assessed a {$25.00} late fee. I emailed requesting a courtesy reversal of the fee considering my history with the card company. They declined. So I called to make the same request in which they denied again. I spoke to a supervisor who said since the bank did n't make an error, the fee was assessed. I explained that I understood why the fee was assessed and that I was asking for a ONE TIME COURTESY to be made considering my payment history, etc. She told me to wait to see if the system would take the adjustment only to come back a few moments later saying the system would n't allow her to credit the {$25.00}. I asked her what was CitiBank 's policy on customer satisfaction in which she stated her inability to reverse the fee is a new policy. 
In other words, no matter how many cards or how long I 've paid faithfully on those cards, not to mention the countless amount assess in interest, CitiBank values their {$25.00} fee more than the ongoing relationship with a " valued customer ''. Do n't ever forget to make your payment, not even by a few days, because Citibank will charge you. I wonder if they 're so quick to act when they make mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief