milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NV).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I received a notice in XXXX from XXXX XXXX raising my credit limit ( letter dated XX/XX/2018 XXXX on their cc along with receiving a bill from them. I also received cc denial letters from XXXX ( letter dated XXXX XXXX ) and XXXX XXXX ( letter dated XX/XX/2018 ) which I never applied for either ( I applied for NO new credit cards ). I immediately called all of the cc companies that I received letters from and the only cc that I had a balance on was the XXXX. I talked to XXXX and told them that I never opened a cc with them and they said they would look into it. I received a letter from them dated XX/XX/2018 stating that the investigation has been completed and that their research shows the account is valid and that I am responsible for {$2700.00}. After receiving this letter I immediately went to the police department and filed a police report. The XXXX learned that a cc was obtained online in my name and XXXX products were purchased XX/XX/2018 online and picked up at an XXXX store XX/XX/2018 with someone using a fake ID with my name on it. Apparently since someone picked up the products in the store XXXX is assuming it was me, which it was not. I have also written letters to the 3 credit reporting agencies ( sent on XX/XX/2018 XXXX along with notifying the FTC. What I have learned from talking to different people at XXXX is that the maiden name used to open the card is not my mothers maiden name and that the phone number used to obtain the card is an old land line/house phone that I had approximately 15 years ago. I have made an apportionment to talk to a lawyer tomorrow regarding everything barbecue I can't seem to get anywhere any other way.

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
Consumer complaint received 05/24/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: In  XXXX    XXXX  , while a checking counter at a  XXXX   Sam 's Club ( No.   XXXX  ), the cashier suggested that I might qualify for a store credit card with a 5 % cash back benefit. I mentioned that I was not interested in just a store card, rather I would be interested only if the card included other benefits including cash back on purchases. She assured me that was the case. I told her to go ahead and apply for the card for me. I gave her my personal information as well as my Club membership information. I was approved within minutes and I used the card immediately for the store purchases.     A few weeks later I received the card in the mail and kept on using it at the Store and nearby Wal-Mart. I noticed it was a store card and was only limited to the  XXXX  stores. After the first and second statement cycles, I also noticed there was n't any cashback credited to my account. On  XXXX   XXXX , I called the SYNCHRONY BANK, which owns the card. I explained my disappointment and inquired if there was an error or a kind of bait and switch.     I was shocked to learn that even though the store clerk explained that they were applying for me a card with cash back benefits, they automatically applied for a second card without benefits once the first application was declined. So when I was approved it was the second card from the same bank and not the one I had originally applied for. Worse, they never told me that was the case, rather they went on to apply for the card that I did not agree to nor consent to. The Bank representative said there is nothing they can do except file a complaint on my behalf. There seems to be no recourse with the Bank  or Sam 's Club.      This is highly irregular to open a customer account different from the one offered without giving the customer the opportunity to decline. It is possible the store card are less popular so they bait customers with cash back credit cards and then switch them when they do n't qualify to the more beneficial card for the customer.     I am afraid to cancel the card after using it the last two months, fearing it might impact my fragile  credit score.

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 09/17/2015 about Payday loan () with Mobiloans, LLC (FL).
Issue: Charged bank acct wrong day or amt

Complaint: On XXXX/XXXX/2015 I spoke with XXXX different representatives at Mobiloans , LLC who XXXX confirmed with me that a payment would be authorized for XXXX/XXXX/15. Two days later they charged my account in the amount of {$130.00}! TWICE!! This caused my account to have multiple overdraft fees as I had authorized other bills to be paid. When I called them, they told me they were sorry and that it was a mistake on their end, but unfortunately there was nothing they could do about it. This company has caused me so much unnecessary stress, I would never recommend them to anyone! STAY AWAY FROM MOBILOANS!

Company response to consumer: Untimely response
Consumer complaint received 01/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to get a deed in lieu of foreclosure from Wells Fargo for more than a year. They told us we had to vacate the home by XXXX XXXX, which we did. Then the excuses for why they could not complete the deed in lieu started. The title had not been cleared because Wells Fargo had not had the prior lien with XXXX XXXX XXXX released when they financed this loan. Wells Fargo told us we had to get XXXX to do release the lien and XXXX told us Wells Fargo had to do it. Since they are the servicing agent and originator on this loan and it was sold To XXXX XXXX, this seems to be a problem they would want to fix asap. ( Breach of fiduciary duty at the least, mortgage fraud at the worst, neither a good position to be in for Wells ) They inspected the property, and changed the locks. Then they twice halted the deed in lieu process because they said they could not get access to do more inspections. We reminded them that they changed the locks and had the keys so they sent us a set of keys that did not work. I have repeatedly asked Wells to provide the name of the title company so that we can have them address the title issue, but to no avail My friend who owns the home is a XXXX survivor and has doctors orders to avoid stress. Thus, I have taken over the daunting task of talking to these well meaning but inept people. We need to get rid of this house and Wells Fargo is obstructing the process.

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 11/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to thank the Consumer Financial Protection Bureau for allowing the opportunity to post my Complaint. I have been an Ocwen customer since XXXX XXXX XXXX. I received a Mortgage amount increase of {$15.00}. I am sending this complaint today XXXX XXXX XXXX and have not received a explanation of this increase. The payment of {$1200.00} has remained the same since XXXX of XXXX, fluctuating a few dollars more or less since then. I am sending you the Mortgage Account XXXX for XXXX XXXX. Ocwen includes a note on the bottom referencing the increase with no detailed reason for new Mortgage Amount of {$1200.00}. Mortgage Account Number is XXXX. Ocwen has admitted in the last year or XXXX that their Mortgage Processing and Accounting System may be questionable at times. Thank you once again for your Professionalism and high regard for Ethics in a sometimes confused and disoriented Economic Culture.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Credit card) with NORTHLAND GROUP INC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had originally established a repayment plan of which I had paid all but the last payment. The bank account I used to pay the account ( XXXX, had a security breach and cancelled a large percent of their customers cards due to the breach ). Because of this I had to resubmit the payment method to pay the last payment and complete the agreement, which I did. Then Northland Group then did not withdraw the amount for the last payment on the agreed date. Upon realizing that the final payment was not made, I answered a collection call and spoke with a representative on XX/XX/XXXX. I explained the situation, she said that I could pay the last payment and it would be done. I was at work and did not have my debit card with me and took down her name, number and extension and told her I would contact her with the info from the card to complete the transaction. Upon calling the number I found that I could not reach her and was not able to complete the transaction. I then received a letter around the end of the following week stating that the agreement was cancelled and I now owed {$480.00} in place of the final {$48.00} payment. I contacted the number listed and was told there was nothing I could do, despite the previous efforts and attempts to pay my final payment and the company not following through on the agreed upon plan. I have tried to handle this issue with the Northland group and their inability to honor the agreement appears predatory and dishonest. They have had the new card information on file since I called it in, they had it when I was told I would have to resubmit it and they have not made any effort to mitigate their mistake of not charging the card on the agreed date before. I feel that due to their lack of responsible business practices that my debt should be considered " paid in full '' and utilize this case as an opportunity to better their employees or leadership actions to ensure that another person is n't subjected to several interruption incidences that create unneeded stress on someone who obviously is already under financial stress and trying to repay their debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Years ago I had  XXXX . After a year of up and down service, we went the  last 6 weeks  with no service at all. At  one time they even stated that they did n't show us having service. I canceled and went with another p rovider. I returned all equipment as required. They sent a bill for service we did not receive. After numerous calls to  XXXX , I finally got a lady who said she saw were the issue was and would take care of it. Next thing I know it 's placed with a collection company. I proved my case to them and they removed it form my credit report, then  XXXX  sent it to another collection company, I proved my case to them, then it was sent to  a 3rd collatio n company! Attached pictures show how  XXXX  installed our service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Debt collection (Mortgage debt) with LTD Financial Services, LP (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Upon the sale of my home, I received letters from LTD Financial Limited Partnership months later stating that I owed a past due balance from XXXX XXXX XXXX. I have been trying to confirm that the debt is legitimate and that XXXX XXXX XXXX has an outstanding amount that was n't paid and if unpaid, that unpaid debt has been legally forwarded to LTD Financial Services Limited Partnership.

LTD Financial has not shown proof that this debt is owed.

Finally, LTD Financial continues to harass me with XXXX time per day to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with NETSPEND CORPORATION (TX).
Issue: Making/receiving payments, sending money

Complaint: XX/XX/XXXX in an attempt to make my water bill payment for {$110.00}, I added the mistake and put {$1100.00}. Upon receipt of confirmation of the transaction, I immediately contacted Netspend to request they reverse the pending transaction. They stated I needed to contact the merchant to have them submit reason authorization should be released, etc. I informed Netspend that the merchant stated payment had not been processed, so therefore, they do not have the funds. The merchant agreed to help me out and sent a receipt to Netspend stating that they would only process the initial payment of {$110.00} for the water bill. Upon receiving the receipt from the merchant, Netspend still refuses to release my {$1000.00} back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have repeatedly, for years been solicited at my home address by CapitalOne to open a credit card account. Various names appear on the offers including my adult children who no longer live at my address or my nick name, or half of my surname ... it is endless. Multiple times I have contacted them and told them to cease from sending these solicitations.most recently I spoke to XXXX on X/XX/17 and again to XXXX on X/XX/17 informing them again never to send a solicitation to my address. I want these offers to cease immediately and forever before someone damages my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: THIS COMPANY HAS THE WORST CUSTOMER SERVICE EVER. I HAVE BEEN CALLING FOR 2 WEEKS BUT THE DEPT I NEED IS NEVER AVAILABLE. THE REPS HANG UP ON ME CONSTANTLY OR THEY ; XXXX PLACE ME ON HOLD THEN HANG UP. I NEED A DISPUTE MARK ON MY CREDIT REPORT TO BE REMOVED. THE ONE TIME I SPOKE WITH A REP IN THE CORRECT DEPT THEY GAVE MEBAD INFORMATION THEN PLACED ME ON HOLD THEN HUNG UP. PLEASE HELP )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX/XXXX/17 I Disputed both accounts # XXXX and XXXX in which ERC received on XXXX/XXXX/17 and they did not list account # XXXX in dispute! They also responded to the dispute of account number XXXX on XXXX/XXXX/17 which is well over the time allowed! In regards to both account numbers ERC sent out alleged Bill statements which is incomplete, and has no break down of inaccurate amounts, They did not provide me with any competent evidence bearing my signature, showing that I have some contractual obligations to pay them like I respectfully requested. Nor have I ever agreed to any terms or monthly payments with them. They are still updating their defaming activities without providing me with any proof bearing my signature and REPORTING INACCURATE AND INCOMPLETE info TO ALL Major credit BUREAUs as of today! 
SUCH AS : INCOMPLETE Account numbers, payment history MISSING Dispute status, monthly payment, high balance, limit, account status INACCURATE Account names, monthly payments, High balance, terms, Balances, Past due, Date open, AND Account type WHICH list [ collection-non specific ] W/XXXX AND list [ Other ] W/XXXX Similarly, telephones are often used for business purposes. This includes cell phones, and even land lines that are located in residences, which might be used for home businesses. To identify whether a debt was incurred, the starting point would be looking at the charges reflected on the monthly phone bills. If the bills can be obtained, the charges will not be self-explanatory. Once again, the debtor would need to be deposed in order to determine if each of the charges is properly characterized as business or personal. 
While some unpaid obligations will always qualify as a debt under the XXXX, many will not. Collectors should examine each case individually to determine whether a debt was incurred and whether the Act applies. 
DOES NOT QUALIFY TO FALL UNDER DEBT as stated under XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (AE).
Issue: Loan modification,collection,foreclosure

Complaint: Since my Financial issues 's back in 2015 XXXX, I have requested Loss Mitigation help twice from Flagstar my mortgage company. My mortgage was {$1500.00} and each Modification that went through only reduce my mortgage {$100.00} to {$1400.00} and i explained to Flagstar that if my mortgage could be reduce to {$1000.00} short term i could get back on track. After only having it reduced to {$1400.00}, i decided to hire a realtor to sell the home and i also advise Flagstar and sent in all letters and third party documents into Flagstar. Flagstar repeatedly never updated my file or shared notes with other customers service people at Flagstar. So every time i called to check on my case either i was missing a document or or my file was not updated. This has been going on for 1 year. Now i requested a Deed In Leu and mailed in all documents requested and i have been met with the same resistance of i 'm missing documents, or they did not get a complete packet and i 'm sick and tired of this run around with this company, all i 'm trying to do to avoid foreclosure is sell the house back to the bank but every time i turn around, I 'm given excuses that my packet is incomplete or i 'm getting letters telling me my packet is incomplete. I need help i just want to get rid of the house from my divorce,.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It May Concern : I have attempted multiple times with the credit bureaus to correct the spelling of my name and my address but unsuccessfully so.They have also been actively adding an old addresses that I am NO LONGER associated with especially Transunion. All my Old Addresses are on my report as Current, that should NOT be.I ca n't update my address on XXXX XXXX because Transunion, I get a message that says Transunion has my address as the such. My job is reported without my knowledge as well. Please remove it. I do not want any reporting of my place of work current or previous to on my accts. Please remove them. 

I now asking for the CFPB to assist me with getting this taken care of once and for all. 

My Legal name and how I address and sign myself & name on all Legal documents are as such. 

XXXX XXXX XXXX XXXX has my name spelled incorrectly ( XXXX XXXX XXXX ) and it does n't matter how many times I call and give the correct information it, I am told that it will be updated but it NEVER happens. 

My Current Address and the ONLY one that should be on my Credit Report as as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please I am asking you to help me get this corrected.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: This was a very simple credit card bonus offered to the world. Simply spend {$1000.00} and receive a {$200.00} bonus. I fulfilled my obligations to earn this bonus. It has now been over 4 months and I have still not received my bonus money that was promised in the advertised offer. I took screenshots as proof and it would have been impossible for me to have signed up for this credit card without the bonus being attached to my application, as verified with the internet XXXX XXXX this offer was advertised directly on Wells Fargo official website on the date of my application. This is verifiable and undeniable.

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 03/19/2015 about Debt collection (I do not know) with Cascade Capital, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from XXXX today concerning a debt with XXXX XXXX, I have not had ANY business with XXXX XXXX, Its over 10 years since I did business with XXXX. I would like verification that this is valid and stop all communication from this Collection Agency. These agencies are buying old accounts and expecting that consumers just take their hard earn money to pay, because of the credit systems, families are being destroyed, agencies like this is ruining households with these types of letters.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Medical) with Receivable Management Group, Inc. (GA) (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Receivable Management Group XXXX Inc, continued collection practices AFTER I had sent a CEASE & DESIST letter and proof of payment. Letter was sent certified mail ; the representative I spoke with denied having record of receiving it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation