milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2018 about Checking or savings account (Checking account) with NETSPEND CORPORATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX I made a purchase on XXXX a.k.a XXXX XXXX expecting to receive my merchandise in return. However merchants never sent my merchandise and took my money for fraudulent purposes of person gain. I disrepute this matter with my banks nothing this has caused serious problems of my funds been low as well as fee with my bank. 

XX/XX/XXXX XXXX  confessed and refunded my funds which caused my funds to be low and access fees However netspend is engaging in this fraud and leaving all fees related to this matter from XX/XX/2017 and the present. 

I contacted net spend and followed the chain of command of speaking to the supervisor and manager noting this fraudulent activity in I shouldnt be responsible for fees involving fraud netspend refuse to assist leaving multiple fees on my account

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 02-11-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am currently divorced and the primary custodian of my XXXX daughters. I am in the process of losing our home due to specific credit problems that are preventing me from securing a refinance loan and lowering our monthly living expenses. During my marriage, there were several accounts opened fraudulently using my social security number, unbeknownst to me, by my then wife. I have attempted to reach these creditors and never received call backs. They have been charged off and are now affecting myself and my daughters instead of the person that originally opened these accounts. I am asking for help in removing these particular accounts from my credit report so that I may secure our home and future necessities. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: I sold my property  XXXX    XXXX  ,2017 and on  XXXX   XXXX ,    2017  requested a Breakdown of the {$60000.00} charged for the " Shared Appreciation Amount '' from Ocwen  Loan Servicing.    XXXX  On  XXXX   XXXX ,  2017 I received a letter ( a ttached ) stating that I only should have paid {$9800.00} for th e " Shared Appreciation Agreement '' ( a ttached ). Ocwen charged me {$60000.00} through escrow and I have not received a refund.   XXXX  On  XXXX   XXXX ,  2017  I requested a refund on the {$50000.00} for over payment. ( attache d ) No res ponse from Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Using a debit or ATM card

Complaint: I had a month-to- month gym membership with XXXX at XXXX. I was moving to XXXX, and was told by two Managers that all I needed to do was submit a letter stating I needed to cancel. My membership had no contract but I did sign up for personal training and had a contract for that. They said it applied to both. I submitted the letter to XXXX with the date of XX/XX/2016 stating I was cancelling and did not authorize any more charges on my debit card. Come XX/XX/2016 they charge me the personal training fee 's of {$670.00}. I called Citibank and disputed, furthermore I had lost my debit card. So how was the {$670.00} charged? Citibank opened the dispute case and gave me a provisional credit of {$670.00}. I had n't heard from Citibank until XX/XX/XXXX, they sent me a letter stating to send my letter of proof that I cancelled. So I did send the letter. Now a month later, Citibank has reversed the credit of {$670.00} stating my proof was not enough. First, that charge was not authorized, second my card was stolen, is n't that Fraudulent on XX/XX/XXXX part, and third is n't Citibank supposed to notify me in writing that they found the charges valid and would be reversing the transaction?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On XXXX/XXXX/XXXX my XXXX XXXX Account XXXX, with BMO Harris was closed with a balance of {$620.00}. I did an online chat with them and they said a check would be coming in the mail with 2 weeks. After 3 weeks I once again started a chat and they said to give it until the end of XXXX. Still no check. Just recently I called BMO Harris last week and was transferred over to a person who handles the checks but was not as her desk so I left a message. My message was never returned. It 's been almost 2 months and I am missing my {$620.00} from my closed bank account.

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 07/23/2015 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Delinquent account

Complaint: Barclaycardusa filed a fraudulent court document on XX/XX/XXXX and a voluntary dismissal on XX/XX/XXXX/ I believe the fraudulent documents were filed so Barclaycardusa could avoid responding to my complaints to the Consumer Financial Protection Bureau during this period. I was offered a {$2900.00} settlement in XXXX XXXXby XXXX XXXX but Barclaycard refused to honor it and then demanded over {$7900.00} to be paid within 5 days of this fraudulently filed document on XX/XX/XXXX. Is this some kind of unfair and deceptive trade practice or yet unfair debt collection practice? 
I was never served with this court action as Barclay sent it to an address where I do not reside nor the address on my Barclay card account. Also, Barclaycard stated I was delinquent for payments due in XXXX, XXXX and XX/XX/XXXX -- dates which have not yet arrived. Moreover, I am reporting unfair debt collection practices. 

I am reporting unfair debt collection practices as I was in email negotiations with a papralegal named XXXX XXXX and then this occurred during these negotiations. 

To defame my character is this fashion is actionable. I was making payments. I even had an agreement to make certain payments less than the minimum but the court document sought to shame me for less than full payments. 

I beleive Barclaycardusa lied to the Consumer Financial Protection Bureau to keep from responding to my complaints and their inquiries due to the excuse that this matter was in litigation when it was already dismissed. 

It is a shameful practice that Barclaycardusa used against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Consumer Loan (Vehicle loan) with Sierra Holdings LLC (CA).
Issue: Managing the loan or lease

Complaint: I have contacted Sierra Auto Finance several times over the past year and a half as an attempt to resolve the issue. XXXX representative even went as far as to say, why are you requesting that I send this information? The issue is that none of this was ever received. I have yet to receive any documentation, however whenever I contact for the documentation, Sierra Auto Finance will re age the account and report it as if the account is a new account. They refuse to validate the debt I say I owe. They have yet to produce a contract that shows that I owe them, a full billing and payment history that shows how they arrived at the balance, documentation of who the alleged repossession agency was and licensing, proof that local authorities were located within XXXX hour of recovery, required notice of Deficiency Balance or Notice of Default with timely and proper service for any said repossession, A copy of your notification and proper service of my right to reinstate, prior to the sale of this vehicle/ Notice of Intent to Sale showing proper with timely and proper legal service, Proof that the repossession agency you used contacted me within XXXX hours of the said repossession with proper documentation ( Notice of XXXX ) as well as the inventory list of personal effects, Inventory of items that was in the vehicle at the time of repossession, as well as the manner in which it was disposed i.e. ( proof of disposal ), XXXX. ) Please provide documentation that the vehicle was sold in a commercially reasonable manner. I have asked that this account stop being reported as a new account with updated terms as well. So not only will Sierra Auto Finance not validate the debt. They also are being predatory in their reporting practices. I have also disputed this with XXXX, XXXX and XXXX with no success. Next stop law suit! Contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is a case where I am not getting the XXXX validated as required by law. Do I even owe this debt? Why is it being reported. This is my last stop before filing suit against Sierra Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've provided the original company with the identity theft affidavit from over a year ago and they just continue to push it off onto new collection agencies. 

When the affidavit of identity theft was filed, the XXXX collection was coming from XXXX ( {$400.00} at the time ). It is now with Credence ( at {$400.00} ).

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 07/28/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Back in XXXX, 2016, I received my XXXX XXXX credit card statement with an annual fee of {$190.00}. Since i was n't using my card much I decided to close my account and paid the last bill for {$5.00} and the company agreed to credit me back the {$190.00} and they closed my account. In XXXX, 2016 I received a letter from a collection agency stating that I owe {$260.00} on my XXXX card ( {$190.00} in annual fee, {$27.00} late fee plus financial charges ). I have never used my credit card since I closed and I knew it was paid in full. I explained to the collection agency my story in writing and they agreed to close my case with {$00.00} balance. two weeks later I received my statement from XXXX showing a {$0.00} balance but my credit report is showing 30, 60 & 90 days late on my XXXX credit card and that 's hurting my credit rating due to this incorrect info that XXXX provided to the reporting agencies and that 's unfair.

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 06/29/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016 I received a copy of my credit report and notice an account from Common Wealth Financial that I do not recognize. I sent a validation letter to Common Wealth Financial requesting information on the account they claim I owe them. The letter was sent on XXXX XXXX, 2016. They have not provided proof that this account belongs to me. I also sent dispute letters to each of the credit bureaus. XXXX and XXXX have deleted the accounts however XXXX continues to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted an FTC Affidavit with report number, an FTC Complaint number to TransUnion and the Reporting Agency has failed to properly investigate fraudulent accounts on my credit file. I have submitted the same information to substantiate my claim of ID Theft numerous times to no avail. The following account ( s ) are not my mine and were opened without my consent, knowledge, authorization and were opened under fraudulently ; XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 


Per my rights as a victim of ID Theft I demand that these accounts be properly investigated and removed from my credit profile. The FCRA ensures that TransUnion reports 100 % accurate information. I also would like to see any consumer contracts and/or information contained in my credit file submitted as verification by the above referenced debt collectors and/or creditors per section 609 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Payday loan () with Debt Management Partners LLC (HI).
Issue: Payment to acct not credited

Complaint: On XXXX XXXX, 2014 I made a settlement payment to XXXX XXXX XXXX to be credited to my account with XXXX XXXX in the amount of XXXX and some change. I received a call from a company called Debt Management Partners stating that they now own my cashnet account and that I still owe them monies. I do not as I have documentation which I am enclosing stating that I have paid them off. Please see attached. I paid this account with my XXXX credit card ending in XXXX. I refuse to pay for this account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Debt collection (Payday loan) with Cooper Hoffman Klein Associates (IA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Cooper Hoffman Klein & Associates began calling relatives of mine in XXXX. They have not yet mailed or sent any verification of this " debt ''. A week later, i sent a certified letter, which was returned & left s voicemail that under the Fair Debt collection practices act, to cease communication with anyone in my family. They called my employer XXXX XXXX, which they still did n't verify and I repeated to cease communication. 
Have found since they 've contacted XXXX relatives without my prior knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My dad passed away in a XXXX. He was the only one on the loan but had his wife and his daughter listed on the Deed. I 'm working on removing his name from the title so I can refinance the loan and take over with the help of my younger brothers but the lender is not talking to us and it looks like they are not taking our payments. I know that we do n't have to go to probate because there were more people on the Deed but according to the lender we need to go to probate to get an executive to represent my dad 's state. My dad was having financial difficulties because of his age and limited for employment. We are devastated for his loss and the loss of my brother within a year and on top of that struggling to keep his home for his wife and younger children. I already contacted a lawyer and I know we have to pay a lot of money to go to probate. According to CFPB rule we should n't be struggling with this situation but I just do n't know how to go from here. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service ((CD) Certificate of deposit) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: My grandfather XXXX XXXX opened a Certificate of Deposit at XXXX in my name XXXX XXXX on XXXX XXXX, XXXX. XXXX XXXX merged with Capitol One Bank on XXXX XXXX, XXXX. My grandfather recently passed on XXXX XXXX, XXXX and I found the certificate. On XXXX XXXX, XXXX I went into a branch in XXXX, MD to inquire about the status of the accoount. The agent advised the account had been purged due to inactivity. He was unable to locate any documents to determine if the funds were withdrawn, transferred or sitting, but stated the account was being researched. On XXXX XXXX, XXXX, I contacted the branch to obtain any updates. Again, I was informed no further information had been located. I am writing to submit a complaint due to the time frame that has passed and no answers have been provided as to where the funds are located. I have contacted the FDIC, MD Unclaimed Property and have had no success in locating he funds.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with Blakely-Witt and Associates, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: BLAKELY WITTS AND ASSOCIATES HAVE A DEBT 0F {$540.00} ON MY CREDIT REPORT SINCE XXXX 2013 AND SEND MANY LETTERS TO STOP BILLING AND WAS NOT MINE. THEY WILL NOT REMOVE FROM CREDIT REPORT. OR IDENTIFY THE ORIGINAL DEBT COLLECTOR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The information that is being reported to my credit report is incorrect. Credit reporting agency will not give source of information to verify. Shows XXXX state tax liens and bankruptcy. I have repeatedly disputed this information and continue to get the same answer without a source. I have contacted the Clerk of Superior Court and they state that they do not report to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Student loan (Private student loan) with SLM CORPORATION (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Sallie Mae basically refuses to offer any help to me since I have a private loan. My co-signer and I can not afford the {$1100.00} payment/ month. They have told me numerous times to apply for the " rate reduction program ''. Both times, we failed. I received legal advice from my attorney, and he says they 're completely in the wrong. When I told Sallie Mae that I have an attorney, they basically tried to cover their tracks and asked me to apply for this rate reduction program again. After leading me into forbearance for nearly a year, my total loans has gone up {$4500.00} in interest. I 'm out of options.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2017 about Credit card () with Client Services, Inc. (NY).
Issue: Billing disputes

Complaint: XXXX sold acct ( XXXX ) to clent services as theiur is XXXX insurance they failed to activate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (ID).
Issue: Closing/Cancelling account

Complaint: I wrote Bank of America and stated that I wanted to close my credit card which was a secured credit card. I put {$500.00} to get this {$500.00} secured credit card. The balance owing at about that time was {$440.00}. I stated in the letter that I was authorizing them to apply the {$500.00} deposit to the account and refund the difference. I did not hear back from them. The next month 's statement showed a {$99.00} credit. I wrote them back again giving them a copy of the first letter. I wrote them back a 3rd time and gave them a copy of the first letter. I still did not hear from them but I did continue to receive statements adding interest and a $ XXXX/mo charge for missing my payment. Just a couple of months earlier, I had withdrawn my checking and savings and money market accounts from B OF A and began using a local bank. I am not sure if this is related or not, but no wonder I do n't want to use B OF A. I sent all letters to the address for disputes in XXXX XXXX, TX as per B OF A 's instruction on the front and back of their statement.

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 07/17/2016 about Debt collection (Medical) with Commercial Trade, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I keep getting calls and now I just received a letter from a an attorney w/o works with debt collector. These debts there referring to were included and discharged in my bankruptcy. I feel threatened and so much XXXX. I have told them several times over the phones it was included in my bankruptcy. Thank you. 
XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called on the XXXX XXXX XXXX 2017 to request a payment deferment. It was granted. I specifically stated multiple times that I did not want the deferment to negatively effect my credit with them reporting a 30 day late. The representative assured me 3 times that it was an approved deferement and by paying a {$250.00} fee. My payment would be caught up and I would have no payment due until XXXX 2017. Which  would represent my normal monthly payment. I have paid my loan on time every month an was my first payment deferment request. At any rate 3 days later and XXXX XXXX reported erroneously a 30 day late to my credit report dropping my credit score XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: i contacted this company to resolved my problem, but unfortunately was impossible because they should relief us the interest and payment due to be in disaster area of hurricane " Irma " in XX/XX/2017 as the federal government establish. 
so this bank First National Bank Omaha in my account XXXX XXXX XXXX XXXX charge me interest in this period with not relief at all. 
i want to report this issue in other to advised others in this problem thank you

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