milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XX/XX/XXXX, I purchased a pair of XXXX audio headphones. After using them, I was n't satisfied with some of the features such as sound quality and noise cancellation. On XX/XX/XXXX, well within the 30-day return period, I proceeded to the store to return the item. I was then told I was not allowed to return the headphones. When I inquired as to why, I was told that I had made " too many returns '' and could not return merchandise for 1 year. I was given a slip with the name of the third-party vendor that BestBuy utilizes to monitor return activity. Nowhere is such information listed on their receipt, or in the store. The merchandise was functional and completely returned in the original packaging. When working with the BestBuy Executive Resolution Specialist, follow up was by coincidence slow to intentionally ensure if I were able to return the item, I would miss the 30-day window. After demanding an update, XXXX informed me that she was unable to lift the blackout of returns and offered me a {$100.00}. At that time, I advised how disgusted I was with the treatment and felt that since this was the best customer service I could get, I 'd take the gift card. HOWEVER, XXXX, denied my acceptance of the offer, and instead informed that XXXX XXXX XXXX   that I declined. Per the documentation, that is an outright fabrication. This return policy is deceptive. We as consumers do n't have any idea that our purchases and returns are even being monitored. Let alone, that we only have limited capability to truly determine if we 're satisfied with the purchase. This policy is well hidden and extremely convoluted leaving a consumer to feel as if they do n't have rights. This is an unfair and deceptive business practice employed by BestBuy. First, as an Elite member,  we are given 60 days to make returns based on the volume of purchases. Secondly, as a BestBuy credit cardholder or Elite Member, they NEVER disclose that they track purchases based on your e-mail or account information to limit the amount of returns you can make. So while BestBuy has their " general '' return policy posted in stores, what they do n't advertise is that they have two separate return policies in place that greatly limits the consumer ability to fairly choose whether a product is right for them. Therefore, I demand that Best Buy honor their offer of providing a gift card, as well as lift the " blackout '' of no returns from my account immediately.

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 12/31/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Credit determination

Complaint: I apply for credit card " XXXX XXXX Credit Card Program '' from XXXX XXXX on XX/XX/2015 on the web XXXX/Decision from my local union, XXXX XXXX send a letter -- WE ARE UNABLE TO VERIFY PERSONAL DATA -- I call them XXXX, they told me I need to update my phone with XXXX, and reapply, because the application is close.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: This is a complaint of a general nature. Advertising on TV touts free credit reports and the link in the FTC websites citing free credit reports take a person to XXXX. In the end everything is provided with the exception of an individuals credit score. All XXXX credit agencies demand payment for this info. My question is of what value is a free credit report without this critical piece of information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax Information Services has been reporting negative inaccurate information in my credit file. I 've been disputing with this company for over 2 years to get this information removed and they refuse. 
The XXXX accounts have me listed as an authorized user which I never authorized anyone to add me to their account. I have been a victim of identity theft which I have sent them copies of XXXX police reports and nothing has been done. They stated that the company ( XXXX XXXX XXXX XXXX ) verified that it belongs to me which in the report clearly states AUTHORIZED USER so how am I being held responsible/liable for someone else 's debt. Under the Fair Credit Reporting Act, if the debt ca n't be verified within 30 days, then it must be removed. The letters they have sent to me claim to have 'verified ' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. Of course, the information matches up. Someone clearly used my information without my authorization. Now I will be suing Equifax as well as XXXX XXXX XXXX XXXX for causing me damages such as denial of credit and increased insurance premiums. I have provided more than sufficient evidence to get these false accounts removed. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against Equifax and XXXX XXXX XXXX XXXX for violation of the Fair Credit Reporting Act and Defamation. 
This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX CU Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NC).
Issue: Making/receiving payments, sending money

Complaint: I received notice XXXX that an account was opened up in my name at TD Banknorth.I called them and was told that there was no money deposited in that account.This morning I received another XXXX notification that on XXXX/XXXX/XXXX another account at that bank was opened again. I called and was told to fill out a fraud notification before they would go ahead with any investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a new address on my report that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Advertising and marketing

Complaint: On or about XXXX XXXX, XXXX, I was approved for a Barclay credit card. When I Whehn I When I applied, I was comparing XXXX different cards offering 0 % interest. 
The Barclay card offered 0 % interest for 14 months and I decided on it. 
I was approved for a {$2000.00} credit limit and was told I would receive anemail with the terms. I never received that email. 
My first billing statement showed no interest being charged, as expected. 
However, my second billing statement showed interest of {$25.00}. 
The third billing statement showed interest of {$3200.00}. 
The fourth billing statement has interest of {$34.00}, even though thebalance was less than last month. 
This was definitely a " bait and switch '' offer. I usually print out the termsof any offer or purchase I make online, but was n't given that opportunityby Barclay and was told I would receive an email from them, which I did. 
However, they did nothing except tell me I was " approved ''. I received noterms either by email nor by regular mail. 
When I called to complain, I was assured that, yes, I did agree to 24.99 % interest. There is NO WAY I would ever have even applied for this cardat that rate. I immediately cancelled the card. I did n't need it and onlyapplied in order to do some home remodeling at 0 % and then do abalance transfer from my other card. Now I 'm stuck paying off XXXX cards, the Barclay card having almost XXXX the interest rate as the XXXX XXXX I usually use. So far, this false/deceptive advertising has cost me {$92.00} since XXXX XXXX, XXXX, when it was supposed to be {$0.00} untilFebruary, XXXX. I attempted to attach the statements showing theinterest charges but was unable to do so. I will provide them if and whennecessary. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Consumer Loan (Installment loan) with CURO Intermediate Holdings (KS).
Issue: Problems when you are unable to pay

Complaint: I am a single mom with XXXX kids. My car was repossessed unexpectedly in XXXX 2016, I purchased another vehicle ; plus the cost of paying full coverage insurance made my living expenses difficult to pay for my other bills. I experienced trouble paying my rent in XXXX, XXXX, XXXX, and XXXX of 2016 which is why I went to Speedy Cash. 
At the time I applied for an LOC for {$600.00}. A young lady that works there told me about a title loan. I took it out in addition to pay for my car note and rent because I was behind on both at the time. The lady told me the interest rate would be cheaper but that is not true. I am paying about 300 % in interest and fees this is hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Bank account or service (Checking account) with Comerica (CA).
Issue: Problems caused by my funds being low

Complaint: hi I bank with Comerica Bank for many years and rarely overdraws my account. it all started when I initiated a online transfer for a check I am writing on XXXX/XXXX/16 for {$300.00}. I need to write a check to my acct ending in XXXX that day. Before going to make the payment at XXXX XXXX XXXX, I made sure I transfer the funds from my acct ending in XXXX. I thought all is done and set. When I sent online to check my account, I notice that my acct XXXX is overdrawn. My transfer on XXXX/XXXX/16 seems like it never happened. I notice that there were 3 overdraft items instead of just one. I ponder on that as how could that be?!?! I did a couple of online bill payments on XXXX/XXXX/16, but it did not leave the account until XXXX/XXXX/16. I know this because I see it have already deducted from my account that morning when I did the {$300.00} transfer. I did the transfer at exactly XXXX that day. I called customer service to make them aware of my situation with their online system. Of course they say they do not see any issues. I point out to them that there is because I did the transfer and it did not show and also the mobile system is out of whack. its showing that transaction are being done on weekends. They refused my explanation and refuse the refund. Then I ask them why I was charged 3 {$33.00} fee instead of 1? I notice from my transaction history that it seems like all the transactions were aligned that the biggest item paid firest rather then by the time they are presented like most banks do now. The rep said that it is Comerica 's policy to align the biggest items first. I feel that 's their policy to make more money from their most unfortunate clients. Please take a look that this policy as I strong feel that this is not the right thing to do especially when I paid the other XXXX small items 5 days ago. please contact me if you have any questions or any proof. thanks XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2018 about Debt collection (Medical debt) with Olympic Collection Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After going to court on XXXX-XXXX-18 to attempt to come to terms with the collection agency (over a $XXXX   medical bill we couldn't afford at the time that bloomed to $XXXX  after the collectors got their hands on it) after months of trying to make good faith payments and being denied every time, the attending attorney (XXXX XXXX XXXX, XXXX  #XXXX) advised us that we have 30 days to contact the collector and establish payment arrangements (he stated they will be amenable now, he even provided us with the owners name, XXXX XXXX). We called and I talked to XXXX, she would not entertain anything less than full payment now, I requested to talk to the owner and she said he won't talk to me and eventually hung up on me. I received a call 1/2 hr. later from her boss, XXXX, and again no negotiations were suitable for him. I explained our situation to him and got the "so what" attitude, pay now! I explained that since I became too frail to work and my wife's sole income is supporting us and paying one lump sum would put us on the street in the middle of winter and he just didn't care. We are already skipping some of my other treatments and cannot afford some of the life saving medications I need. His "so what" attitude again prevailed. Then he mentioned that he had pulled up my wife's payroll and stated he would TAKE 1/3 payments to clear the account in 90 days. I asked him what law prevents him from taking payments? His response; ME! They refused to accept XXXX XXXX. that we could sacrifice groceries and daily essentials and still have a home, nope, not happening, so again, I asked to talk to the owner, and again he too hung up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Application, originator, mortgage broker

Complaint: Caliber Home Loans bought my mortgage XX/XX/XXXX. I had relocated and listed the home on XX/XX/XXXX in a short sale with XXXX. Caliber sent a deputy sheriff to my new apartment and served foreclosure papers to me XX/XX/XXXX. XXXX later, XX/XX/XXXX, XXXX and XXXX sent a letter to me cancelling the foreclosure hearing of XX/XX/XXXX. How do I find out what is going on? This worries me because no one will tell me why the hearing was even scheduled and now why XXXX has been cancelled. Property address is XXXX nc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo approved me for a mortgage in XXXX. In XXXX XXXX I could no longer work nor pay my mortgage. At that time and for a subsequent year, I kept the property up while offering to give the bank a deed in lieu of foreclosure. Over that year, I talked to no less than XXXX individuals at the bank ( never the same ones XXXX and got conflicting information. In XXXX the bank started a foreclosure action. Over all this time I had offered the bank a deed in lieu of foreclosure with the understanding that it would not seek a deficiency judgment. In XXXX the lawyer for the bank finally agreed to this proposal ( the same XXXX I offered the month XXXX ). However it still took the bank 's lawyer, court and the appointed referee more than XXXX months to have the Judgment of Foreclosure and Sale occur. It is scheduled for XXXX XXXX, XXXX, exactly XXXX years after I offered the property to the bank. 
In the meantime, I had a XXXX and after spending more than XXXX months XXXX over a XXXX year period, I am starting to get my health back. My complaints are : Why would the bank not take a deed in lieu of as soon as it became obvious that I did not have the resources to pay the mortgage ; Why did the bank not take steps to protect the property ( e.g., leave the power and heat on minimal heat settings to avoid what finally happened : frozen pipes and overwhelming mildew and black mold )? When the house finally sells, the bank will get pennies on a dollar because it failed to protect the property. 
I am XXXX years and trying to get my credit back so that I can buy a car on reasonable terms. I fault the bank and the law firms handling the foreclosure action. I get a strong sense that the bank has and had a mechanism in place to assure that it will not loose any money in the long run. That mechanism may be as simple as stating to the regulators " look at the losses we were forced to take ''. Please note, neither I or anyone else has lived in the premises for this 6 year period. In my current physical condition, I would be unable to live there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed hackers to gain access to all my financial and social security number information. As the Consumer Protectors, I call upon you to help the 130 million plus Americans who are vulnerable. Can you please let me kn ow what you are doing? When I phoned in, your operator just hung up on me. That has never happened in a call to the government or my representatives before. To say the least, I was shocked by your disregard of ma question from the public you are supposed to serve. Will you answer this or ignore it as well?

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX COLLECTION/CHARGEOFF Other {$1000.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported This debt is showing on my XXXX and XXXX reports and it is not mine. I have called these people and mailed them. Please remove from my file. Please update my reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred from XXXX XXXX XXXX on XXXX XXXX 2015 to nationstar mortgage. I sent A payment in to nationstar in the amount of XXXX which they received on XXXX XXXX 2015, they never posted it to my acct untill XXXX/XXXX/2015. My loan was paid in full due to sale of my house on XXXX XXXX 2015 .and the payoff did n't refeflect the XXXX payments I had to pay more at closing. My complaint is I have n't recieved that XXXX that was supose be to refunded to me as of today XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This items are fraudulent accounts. And i have provided enough information.XXXX/ XXXX/ XXXX/ XXXX/ XXXX/ XXXX/ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I had started a dispute with Equifax credit reporting agency, its been three weeks and my disputes are completed. I know this because I 'm getting notices from Equifax by email say this is my conformation numbers and my dispute are ready to view. SO I CLICK ON THERE SITE TYPE IN MY INFORMATION EQUIFAX REQUEST. and it say we do n't have your information correctly so I retype what there asking again and double check to make sure its correct and same thing happens. So I call there help line XXXX XXXX XXXX finally get a person they tell me to call the help line??? which is the same number as I called then I can barley understand them and very rude. I only have so many day to check my settled dispute before its removed. at this point I 'm sooo upset I 'm ready to bring them to court myself. Please help me get this resolved This company should be shut down for there handling of public private information plus the handling of there costumer relations is terrible. I will take this further if you cant help me. which I hope you can, Thank you for ready my complaint XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: RE : Rent Recovery XXXX XXXX XXXX XXXX Account No XXXX I have never paid late. The amount due is in error and does not take into account the more than {$1000.00} they received from me that I never got credit for, OR the {$400.00} deposit that was not returned to me. 

This amount is due TO me, not to them, for making excessive and extraneous errors in their bookkeeping systems. 

The credit bureau report claims of Rent Recovery, XXXX XXXX, and XXXX XXXX are fraudulent and should be removed from my credit report immediately. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Also, XXXX XXXX no longer exists and there is no XXXX XXXX that is a legal entity in the state of Georgia at this time. These companies no longer exist and there is no money due to defunct companies that ceased to operate due to illegal collections and mismanagement of funds. 

I have documents proving this as fact and can present them on request.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX   XXXX ,  2017 , I received a letter dated  XXXX   XXXX ,  2017 , from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  attempting to collect an alleged debt which they claim I owed to Cap ital One Bank ( USA ), N.A.  The letter claimed that failure to dispute the debt within 30 days would result in an assumption that " the debt is valid ''.     On  XXXX   XXXX , 207, I sent to  XXXX    XXXX   XXXX   XXXX  , via Certified Mail Return Receipt Requested, a letter demanding strict proof in the form of my actual signature on an application for credit and/or an agreement for credit. The letter was delivered to  XXXX   XXXX   XXXX  ,  XXXX   .  on  XXXX   XXXX ,  2017 .     On  XXXX   XXXX ,  2017 ,  XXXX   XXXX   XXXX   ,   XXXX   .  sent me a letter stating that they had " not had sufficient time to investigate this matter and were unable to verify the debt at this time. '' That letter arrived  XXXX   XXXX ,  2017 .     On  XXXX   XXXX ,  2017 , I pulled each of my  XXXX  credit reports and noticed that the alleged debt had not been marked as " disputed '' under the requirements of the Fair Debt Collection Practices Act and Fair Credit Reporting Act, as well as the laws of the State of Texas.

Company response to consumer: Closed with explanation