milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was contacted by Macy 's Fraud department XX/XX/XXXX about unauthorized charges. I confirmed that the charges were indeed unauthorized, and the Macy 's person said that a new card would be issued and that the charges removed. A new card was issued, but I continued to get billed for the fraudulent charges. When the statement came XX/XX/XXXX, I again contacted Macy 's, explained that they were fraudulent and that the Fraud department should have taken care of it. The customer service rep. said he would forward the information to the Fraud department ( they were closed apparently ). In XX/XX/XXXX, I again got a statement as well as calls, and on XXXX XXXX, again called Macy 's and was eventually routed to the Fraud Dept. The woman again took all the information, confirmed that the charges should have been removed in XX/XX/XXXX, but that now Macy 's had reported me to the credit bureau. She started an official fraud claim. On XXXX XXXX, I received a Statement of Fraud to complete, and I completed and faxed back to Macy 's on XXXX XXXX. I have proof that fax was received by their machine on XXXX XXXX. One month later, after getting another statement, I contacted the Fraud department again. I believe it was XXXX XXXX. The Fraud rep. said that I would continue getting billed until the claim was completed but that that it should be soon. On XXXX XXXX, a message was left on my home phone from Macy 's. I called the number thinking it was the Fraud dept. calling to say they had completed my fraud claim. However, after going through XXXX regular customer service reps. and waiting on hold for 1 hour and XXXX minutes, I finally was put through to a Fraud rep. She was rude, insisted that the Statement of Fraud did not get put in until XXXX XXXX and therefore it was n't yet 30 days. I explained that I have confirmation that they received my fax on XXXX XXXX and that I have verification of it. Then she changed the excuse and said that they were going through a conversion and that it would take XXXX more weeks. So, 5 months, hours spent on the phone, and Macy 's still have n't corrected an issue they knew about in XX/XX/XXXX and neglected to resolve and also is hurting my good credit as a consequence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2016 about Mortgage (Other mortgage) with Dovenmuehle Mortgage, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Called Dovenmuehle Mortgage on XXXX/XXXX/16 and requested to have our escrow account closed out since we were planning to pay the loan off shortly, and have the balance of XXXX sent to us, and was told that they had put a request in, and that it would take 15 days to process our request, and that they would then mail us a check for the remaining balance. What they failed to tell us, which we found out a few days later when we called in, is that they first had to send us a form to be filled out before they would even consider closing out our escrow account, and that it could take up to 7 days to receive the form. Although every time we called to check to see if the form had been sent out yet, and talked to countless supervisors, they claimed every time we called that the form had been sent out the day of our request on XXXX/XXXX/16. When we finally received the form over two weeks later though, it was postmarked for XXXX/XXXX/16, so had not been sent out on XXXX/XXXX/16 as they had claimed. Although we faxed the form to them to help speed up the process they still took several days to process the form, but finally approved our request on XXXX/XXXX/16, which is the date they are now claiming that the escrow check was mailed out to us. Although it is now XXXX/XXXX/16 we have still not received the escrow check, and doubt that it has even been mailed out yet, as this seems to just be another one of their delay tactics to hold onto our money as long as possible. And the only thing they will tell us when we call in is that if we 've not received our escrow check in 30 days that they will send another check, which is unacceptable. This is our money, not theirs, as it is from our escrow account. So we should not have to wait 2 to 3 months for them to send it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (LA).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX, I received an escrow analysis increasing my payment from {$780.00} to {$1200.00} because the company paid not only my tax bill, but a 2nd tax bill for a house in the area. They misappropriated {$2400.00}. When I called them, they told me I would have to prove that they paid taxes inaccurately. When I called the tax assessor for my parish, it turns out not only did they know they made an error, they had already requested a refund that was in process. They received this refund on XX/XX/XXXX. They refused to fix their error until they had the money back ( money I did not misappropriate ). They then told me they would allow me to pay my {$780.00} payment on XX/XX/XXXX and they promise not to mess up and mess up my credit or my amortorization on my loan. I can not trust this. They told my closing attorney 's office ( who called them ) 2-3 weeks and when I called today, they are now stating another 30 days to correct their own error. In addition, they can not read insurance documents ( or they are harassing me ) and sent me a letter that there is not enough insurance on the property. I have responded by fax today placing astrisks where the correct information is on the insurance doc proving the insurance is sufficient. This is the same insurance and insurance company that was approved for my FHA closing. My mortgage rep helped me get it so it would be accurate for my loan. I need my payment fixed immediately. I did not make an error. I did not misappropriate money. The supervisors do not care and expect that I trust they will not misapply the payment for XX/XX/XXXX. I can not trust this company. They can not read and they expect me to pay for my errors.

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 05/21/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Credit line increase/decrease

Complaint: I have had a Home Depot credit card for months and I have NEVER USED IT. My Credit is in good condition, much better than when I applied. Today I get a letter stating that my limit had been decreased due to numerous lines of credit. When I contact Home Depot ( CITI ) they tell me the reduction was based on information stating that I have accounts that are delinquent. In the letter it states too many credit accounts. On the phone they say deliquesces. I do not appreciate being treated this way by Home Depot or Citi Corporation. When I call to speak to a supervisor I was refused. XXXX XXXX XXXX number XXXX refused to find a supervisor on demand. He refused to find a manager, he refused to attempt to locate a supervisor or manager. I have worked hard to see that my Credit is clear of derogatory information. Home depot is violating my rights to information regarding my status and fair credit decisions. I requested verification and was referred back to XXXX. I know better than to trust them. The Citi letter offers incorrect information and the credit line reduction is not justified based on an automated system that is programmed to slash credit lines for good customers. My credit card accounts are not a reason to lower a limit " BAD ACCOUNTS ARE ''. Failing to make payments are good reasons but since my payments are always on time, so this reason is not valid. Since I have never used the home depot card I find it difficult to justify my reduction. I need proof from the creditor as to why this account was adversely affected without ANY USE AT ALL. It is my intention to place this information on XXXX and XXXX for the world to know just how Citi and Home Depot treats its customers. I have credit cards and that is not a crime. I pay them on time and that is not a crime. I want this account re established and left alone. It is not right that Citi and Home Depot can negatively affect my credit score and provide incorrect reasoning via letter. Good thing the calls are recorded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Call from XXXX. They dont identify themselves and leave messages saying they have a postal delivery. These people call relatives who were n't references on this loan and harass them as well when I have asked them REPEATEDLY not to! They do n't answer their phones when I try to call back or the message says full voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (I do not know) with Kohn Law Firm S.C. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Kohn Law Firm, S.C. ( XXXX XXXX XXXX ) called my place of work asking to speak with me or my wife. When I spoke with them on the phone, they insisted that they needed my social security number and birth date before they could tell me anything. That sounded like a scam so I did n't provide the information. Now they have sent at least XXXX letters to my place of work trying to garnish my wages. The letters make clear that I am not even the person they are looking for ( different middle name and different social security number ). So they are trying to collect a debt I do n't owe, have improperly contacted a third party ( my employer and me in regard to the person whose debt it actually is ), improperly sharing the social security number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2015 about Debt collection (Medical) with Capital Accounts, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX, TX XXXX I CAME IN TO THE DENTIST TO HAVE XXXX. 

I SPECIFIACLLY TOLD THE DENTIST TO XXXX ''! WE SCHEDULED APPOINTMENTS TO DO THIS BEFORE I TURNED XXXX WHEN XXXX XXXX XXXX CERTAIN PROCEDURES AND THE DENTIST MISSED XXXX. 

A WEEK LATER I NOTICED THERE WAS A SMALL XXXX IN THE BACK OF MY MOUTH AND IMMEDIATELY CALLED THE OFFICE BUT THEY DIDNT HAVE ANY OPENINGS UNTIL 1-2 WEEKS LATER. 

I CAME IN, HAD THE PROCEDURE, LEFT WITHOUT A HITCH. A YR LATER I GET A LETTER FROM CAPITAL ACCOUNTS COLLECTION AGENCY WITH A 30 DAY RESPONSE REQUESTED. 

I SEND THE LETTER EARLY XXXX XXXX BY USPS DISPUTING THE ALLEGED BALANCE ALONG WITH THE REASON WHY ONLY TO FIND OUT MONTHS EARLIER IN XXXX XXXX IT WAS ALREADY POSTED TO MY ACCOUNT. 

I TRIED GOING STRAIGHT TO THE DENTIST 'S OFFICE AND THE STAFF ALL SAY I HAVE TO WAIT FOR XXXX XXXX SINCE SHE 'S THE OWNER [ ALSO THE PERFORMING DENTIST ] BUT SHE 'S NOT RESPONDED, RETURNED MY CALLS OR GAVE INSTRUCTION TO STAFF AS HOW TO PROCEED WITH THIS ISSUE FOR REMOVAL FROM MY CREDIT REPORT. 

I SPOKE WITH THE COLLECTION AGENCY AND THEY CAN ONLY VERIFY MY IDENTIFICATION ALONG WITH EXTREMELY SOFT INFORMATION SUCH AS MY SOCIAL SECURITY NUMBER AND THE LIKES BUT CAN NOT VERIFY THE DEBT IS MINE AND ARE TELLING ME THERE IS NOTHING THEY CAN DO. 

THE GUYS THERE SAID THEY CANT DO ANYTHING BUT COLLECT WHEN I KNOW THAT TO BE A LIE. HOW DID THEY GET THIS COLLECTION ACCOUNT IN THE FIRST PLACE? BY SPEAKING WITH THEM. HE WAS TELLING ME ANYTHING THINKING I DIDNT KNOW ANYTHING BUT TO JUST SUFFER AND PAY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had auto-debit set up from my EverBank checking account to pay my EverBank mortgage payments. Without my knowledge/authorization, EverBank erroneously debited from my EverBank Money Market account instead of the EverBank checking account and drained the Money Market account. Once the account was drained, EverBank sent me a late notice for my mortgage payment. On XXXX XXXX, 2016, I called EverBank to straighten out the error. EverBank reversed all charges and put all money back into the Money Market account and pulled the charges from the correct EverBank checking account. BUT they said they were still going to report the late payment to the Credit Bureaus, even though it was their error. I want my Credit Reports corrected to show no late payment. If you look at my Credit Reports, you will can see that I had a perfect, on-time payment record on all my mortgages up until EverBank made this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (RI).
Issue: Closing on a mortgage

Complaint: We received a conditional approval to close on a short sale and have been trying to get the okay to close for 3 weeks. The bank is not accepting documents they  requested, as Title Commitment, Municipal Lien Certificate, and final water bill as proof of what is outstanding on the property at the time of closing. I had to put notes all over the title commitment to show that everything they required is in this document. I have a months worth of emails to prove they are deliberately stalling this short sale closing, so they can foreclosure on the property and not pay out on the file they conditionally approved. We have provided everything required and requested by law and by the bank and they do not want to accept or honor the laws of the state of RI that this property is located in. It was apparent that these documents were not even reviewed. I had to go around the short sale department to the Tax Department because they said the MLC was n't sufficient in showing that 2017 taxes have n't been paid. they did this for weeks until i contacted the tax department and they sent the short sale department the same MLC that i submitted 3 weeks prior and confirmed that 2017 taxes have not been paid. this should have cleared things up for closing but the short sale department is still saying they need an invoice which was provided by our office and by their own tax department.I have the email chains as well, proving my complaint is substantial and these private lenders and private investors need to have guidelines on them so they ca n't do what ever they want to our clients and to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Medical) with MiraMed Revenue Group LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I received a letter in the mail today XX/XX/XXXX, from the MiraMed Revenue Group, LLC, claiming they represent XXXX XXXX For a date of service of XX/XX/XXXX. My husband called the MiraMed XXXX XXXX ) and asked them what this was about. They wanted extra information about me, so my husband told them that we are thinking they are trying to run a scam to collect money. That we have never done business with this XXXX. We also contacted our health care insurance and they told us any medical bill that we have not received for a service that is over a year old does not need to be paid and the insurance company will not pay on it either. That all medical groups know this. So that is why we feel a scam is trying to be run.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold to Homebridge from XXXX. After our escrow account was audited in XXXX, we received notice that we had over a {$3000.00} shortage, which is fine, however, they also wanted to add a {$2500.00} cushion to our account, effectively raising our fixed rate conventional loan mortgage {$450.00} a month. Despite multiple calls, and inquires, I was never given satisfactory information. Under my account online, it shows that there is no escrow information, so I am unable to keep up with PMI and other information. We asked to pay down our mortgage and dissolve our escrow account, they said that Homebridge 's " rule '' is that there are only XXXX states allowed to do that, and Texas is not XXXX of them. In XXXX place their website says that you can pay down your mortgage, pay an escrow fee, and not have an escrow account, another area of the website says " no unless specified by law. " We were never given solid information, just told we had to pay or else. No one could justify or verify anything. It is very scary.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I applied to Bank of America on XXXX XXXX, XXXX for a loan modification to my home equity line of credit which was converting to very high monthly payments. I could not afford the higher payment because I am XXXX and can not work. 

I was finally approved for the loan modification XXXX XXXX, XXXX and signed the agreement dated XXXX XXXX. There were conditions, must make the payments during the trial period, XXXX, XXXX, XXXX on time. 

I was assigned a resolution case manger, XXXX XXXX. She explained how the process would proceed and that late payment information regarding the loan reported on my credit bureau by the Bank would be taken off, " just be patient ''. 
I made all payments during the trial period as agreed. 

I reviewed my credit report this week. It shows an alert. I am over 30 days late in XXXX, over 60 days late in XXXX and over 60 days late again in XXXX for this Bank of America of home equity loan. The payments were made during the trial period of the modification on time and as in the agreement. 

As a result of the erroneous reporting my credit score has dropped significantly. 

Recently, my income has decreased from what I originally reported to the Bank. I tried calling the Bank several times hoping to get my credit file corrections expedited. I called XXXX XXXX, left several messages, no return call. When I finally got through to Home Loans Department, the gentleman said I " should be glad I still have my home ''. 

Yes, I am grateful that I got the loan modification and want to make all payments on time, but I will need at least a good credit score to exercise what options I have left to help me before too much time passes.

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 11/20/2016 about Debt collection (Credit card) with DISCOVER BANK (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Dear CFPB, I requested information from a law firm representing the bank/creditor to verify a credit card debt they are alleging I owe - and they did not supply all the information and much of what they supplied was false and inaccurate. 

Please initiate an investigation and advise me as to the next steps to be taken. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Rewards

Complaint: I signed up for an American Express Platinum card due to the offer of XXXX bonus points XX/XX/2016. I met the minimum spend requirements on XX/XX/2016 using valid purchases. I then entered into an 8 week long review process, which should have concluded last week. American express has been very unhelpful throughout this process, and is now withholding the points that I have earned in a breach of contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Previously I filed a complaint through the offices of Senator XXXX XXXX, Senator XXXX XXXX and Congressman XXXX XXXX about the Wells Fargo Bank withholding {$5200.00} as a servicing set-aside from a reverse mortgage that my wife and I entered into with them in XXXX. It is my understanding from your documentation that Servicing Set-aside 's are intended to pay for any needed repairs to the home, taxes and /or insurance that I do not pay myself. Wells Fargo has never brought to my attention any repairs that my home required, nor has it paid for any repairs, taxes or insurance, thus I believe that amount is subject to be returned to me at this time, as I have fully repaid the full amount borrowed, plus interest and fee 's. 
Consumer Financial Protection Bureau advised me some time ago that Wells Fargo had resolved this complaint, and indeed I did receive letters from Wells Fargo 's Executive Resolution Specialist, XXXX XXXX on XXXX XXXX, XXXX stating that they were " making every effort to fully address all of my concerns and provide me with a thorough response '' XXXX XXXX stated that they expected to complete their work by XXXX XXXX, XXXX. This is to advise you that despite the fact that YOU have received a response from Wells Fargo, I HAVE NOT, and it is now XXXX XXXX, XXXX. I am further concerned that you allow Wells Fargo to just provide a " Stock Answer '' to complaints " we have reviewed your complaint and did n't find -- etc.etc.etc ''. Never do they reveal the scope of their review, never do the give the details of what they found that allows them to disregard your issues with them, never do the even address the issues that were presented to them. They simply say that the complaintant is wrong, and you accept that as accurate. I must ask, do you do anything to justify your existance? Do you do any independent investigation of complaints? So in addition to my complaint against Wells Fargo, I wish you to tell me just who you will foist my complaint against you off on?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed significant private information about me including my Social Security Number, date of birth, addresses and potentially credit card numbers to be shared with hackers, putting me at significant risk of identity theft. 

I have confirmed via the Equifax website that my information was stolen : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax gave up my personal information to hackers. I am completely compromised

Company response to consumer: Closed with explanation