milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a phone call from ARA, lnc. ( Asset Recovery Associates ) onXX/XX/XXXX phone XXXX on my cell phone at XXXX XXXX. XXXX, with ARA said she was calling to collect a debt I owed for a XXXX account with XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. I told her I have always paid all my bills and I do not owe any money to XXXX XXXX XXXX and my credit score is very high. She asked if I went through a divorce in the XX/XX/XXXX and maybe the bill was my ex-husband 's and I did n't pay it. I said it was none of her business if I was divorced or not and that she must have the wrong person. She said my social security number and said something was sent to my previous address ( from 9 years ago ). I told her that was not my address anymore and I had n't lived there in years. She then said my current address. She said they were going to file a judgement against me. I asked her how much she was claiming I owed and she said {$11000.00} from the XX/XX/XXXX 's but with interest and fees of {$16000.00}, the balance was {$27000.00}. I told her that was impossible and she would have to send me an itemization of the charges. She said I would have to contact XXXX XXXX XXXX to see if they archived the statements for the account. I told her I thought this was a scam and she got very rude. She said if she was a scammer with my social security number, she would be opening credit card accounts in my name and using them to make money. I asked again for something from XXXX XXXX XXXX, stating that I owe them money. I said the debt she was talking about was so long ago that it was n't on my credit report and I did n't think it could be collected, even if i owed it. She said she would send me a letter via XXXX to my home. I received the XXXX letter today with a XXXX XXXX XXXX Account number stating that ARA has agreed to a settlement of {$5600.00} to be paid by XX/XX/XXXX and when paid they would not report derogatory information to the credit bureaus. If not paid, the full balance of {$27000.00} will become due. I read online that XXXX XXXX XXXX became inactive as of XX/XX/XXXX and merged and is operated as part of XXXX. I also read lots of complaints about ARA, Inc. making these harassing calls, with no right to do so. It is my understanding that the statute of limitations in Texas is 4 years. Even if this debt is legitimately due, the statute of limitations for debt 25 years ago has expired and it is my understanding they ca n't call me to try and collect it. What do I say to this company when they call again and what my recourse to keep them from harassing me? Is this even legal? It seems like a scam. Should I notify credit bureaus that this company has my social security and other confidential information? Thank you.

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. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a victim of the recent Equifax security breach. In this breach, I have lost, at minimum my address, driver license, SSN, and birth date. I am learning of this today, at least two months after the breach happened.
Approximately one month ago my online banking access was stolen and several transactions were made before I was alerted. The perpetrator 's had used my SSN to change my online banking password, created an account to transfer my money into, and initiated transfers from my own bank account to theirs. The only way to commit this type of fraud is to use the victim 's social security number. This happened on Friday night. Because of my bank 's policies, I could not access my account until Monday. On that Monday I had to withdraw everything, and file a report. I had to close my account and change all of my banking information for all of my bills. I ended up leaving the bank I had had for more than 7 years because I believed it was a problem with their own security that caused this incident. I ended up being one or two days late on several payments due to the timing of the fraudulent activity, and it has since negatively impacted my credit score. 

I realize now it was not my bank who was at fault, but Equifax, who decided to just now make this breach information publicly available. My bank still has not resolved my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was listed among the potential list of individuals whose information may have been accessed as part of the security breach at Equifax. I am not a recurring customer of Equifax 's so they presumably had my information from the annual free credit report as mandated by the FTC. It seems extremely irresponsible for a consumer credit monitoring company to have put hundreds of millions of consumers ' sensitive information at risk through negligence in the way they seem to have done.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I mailed a letter requesting validation of a debt that is listed on my credit report by Midland Funding, LLC ( attached ). The letter was sent by certified mail and the return receipt indicates that it was accepted for delivery on XX/XX/XXXX ( attached ). I specifically requested they cease and desist from contacting anyone except for me, and to only contact me in writing at my current address included in the letter. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX, Attorneys at Law mailed a collection letter to an address that I have not resided at in several years. In the collection letter ( attached ), XXXX XXXX XXXX claim to have retained Midland Funding to collect the account for which I requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: My fiancee and i were the victims of a scam. The gentleman contacted my fiancee from  XXXX . he was going to employ her to watch his daughter. He was sending us a check to get things for his daughter to play with, along with other items. he claimed he was  XXXX  and just moving into our area from somewhere. He sent a check, and we were unable to deposit it for the first day due to banking hours. He demanded we go to the bank deposit the check and give him his money. We then told him we did not want to watch his daughter anymore because of long hours at our current job. I was scared for our lives not knowing what he was capable of. i complied to his demands and deposited the check for  XXXX  into my bank account. Following that he demanded his money so i sent this money via   XXXX   XXXX   from a  XXXX . i sent the   XXXX   XXXX   in two separate transactions each for  XXXX . For a total of  XXXX . I was not aware that this was a scam, and when i caught on it was too late. I called the bank after going to the police, and they said they could not do anything to tell me if the check was fake. The bank asked if i made the transaction via   XXXX   XXXX  . My bank account the next day was in the negatives and he still demanded the other  XXXX  back of his money. I called the bank multiple times and they said there was nothing they could do. He has been calling from numerous numbers saying my name and his supposed name. i need my money back i have bills to pay. That was a lot of money taken out of my account, and the bank is blaming me for it. This is not my fault and i am the victim here. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ENHANCED RECOVERY

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax ALLOWED the leak of my very sensitive personal financial information and kept quiet about it for about a month until the company 's directors were able to dump their shares of stock. I was one of the 100+ million Americans affected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with NETSPEND CORPORATION (WA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2016 I attempted to use my debit card to purchase gas for my car and it declined. When I called the debit card customer service line, they informed me that there was a fraudulent transaction for XXXX dollars and some change. I was then told that my card was indeed blocked and that I would be mailed out a new card in 2 business days. I also advised that my online account could not be unlocked until I received my new card. I then called back on XXXX to be transferred to the fraud department. At this time I was told that my card would be mailed in XXXX to 10 business days. I called again on XXXX to make sure my card was mailed out and to ask about automatic payments i have leaving my account. I was assured that my account was blocked and no one could charge my card. On XXXX when I called I was told again that my card would be mailed in XXXX to 10 business days. I was also told that my card had been charged the remaining balance to XXXX dollars fraudulently. I asked the representative how this happened as I was informed on XXXX that my account was blocked. The Rep. then transferred me to their fraud department to seek more information. I spoke with a gentlemen in the fraud department that then advised me that I was not the person my account stated I was. He stated that public information and my account states that I am a woman and that he did not believe I was who I had said I was. Again this is after I verified all the information that was asked of me several times and after I was given access to my online account after the bank blocked the account. The fraud representative asked me to verify my last XXXX digits to my cell phone and then he would call me back to make sure I was who I said I was. He hung the phone up and never called me back. I am now being told that I can not file a fraud claim on the over {$400.00} in fraudulent transactions that were made on my account because the bank refuse to acknowledge that I am the account holder even after I verified all the information needed to access 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 04/25/2017 about Debt collection (I do not know) with Progressive Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX   XXXX ,  XXXX  Consumer Financial Protection Bureau   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  IA  XXXX  To Whom  It May Concern : Over the last 2-3 ye ars I have had numerous collections accounts appear in my name and social security number on all  XXXX  credit reports fro m 2 differ ent collection agencies,   XXXX   XXXX    ( Original Creditor   XXXX   XXXX ,  XXXX  OK ) and I believe another collection is about to be reported to  XXXX ,   XXXX   and  XXXX  by  Progressive Financial Services ou t of  XXXX  AZ, also representing  XXXX   XXXX  in   XXXX   XXXX   XXXX  OK for I assume, cable services and equipment.     I 've never lived in, been to or know anyone in Oklahoma. The same thing has happened to my son and husband. I literally just had an account with   XXXX   XXXX   (  XXXX   XXXX   XXXX  OK ) deleted from all  XXXX  of my credit files within the last month.     For example, my son just checked his credit monitoring service earlier today and   XXXX   is showing a new collections account  with Progressive Financial Services, orig inal creditor,  XXXX   XXXX  out of   XXXX   XXXX   XXXX  OK. I assume that eventually all  XXXX  credit bureaus will have new collections reported to all  XXXX  bureaus on my credit, my sons credit and my husbands credit. The reason I 'm filing my complaint through CFPB is because I am emotionally exhausted from having to deal with the collection agencies,  XXXX   XXXX  and all  XXXX  bureaus, on an individual basis.     I have spent hours getting all the other collections removed which are a result of identity theft. I 've already warned the original creditor (  XXXX   XXXX   XXXX  OK ) to remove any current or past due accounts in my name and social security number from their systems or I will take legal action. Altogether, since  XXXX , there has bee n 8 collection  accounts reported to all  XXXX  credit bureaus under my name and social security number and all of them have been accounts with the original creditor being  XXXX   XXXX    XXXX   XXXX   XXXX  OK. I live in Florida and have since  XXXX  except for 13 months from  XXXX   XXXX  through  XXXX   XXXX   XXXX  when our family moved to   XXXX   XXXX   to care for my terminally ill father. We moved back to   XXXX   in  XXXX   XXXX   XXXX  and have lived here in  XXXX  since.     Please do something to st op Progressive Financial Services f rom reporting any additional collection accounts to any of the  XXXX  credit bureaus. If  PFS has al ready reported accounts to my credit, they need to remove them as soon as possible. My credit monitoring service doesnt update my credit information until the end of the week so, more tha n likely Progressive Financial Services has already reported new collection accounts on my credit.

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 12-11-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I alerted 'LoanCare A XXXX ' to make a payment on my property taxes since I did n't notice the funds being sent to the tax collector on my statement. The payment still has n't been made and I had to pay out of pocket. I gave them a heads up a month before my taxes were due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (TN).
Issue: Delinquent account

Complaint: erroneous information about a credit card debt from a credit union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (VA).
Issue: Account opening, closing, or management

Complaint: Defendant : Sun Trust Bank - XXXX XXXX Branch XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX - Branch Manager and Assistant Vice President Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX Plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXXXXXXXXXX On Friday, XXXX XXXX, XXXX, arrived at the branch bank with my safety deposit box key to retrieve documents and gold jewelry. I was denied access to the box. The branch manager explained that the box had been assigned to someone else. The box was rented jointly with XXXX XXXX XXXX, my significant other. I hold both checking and savings accounts at that bank and have been using Sun Trust since XXXX XXXX. Any box rental fees should have been automatically deducted from the checking account. Except for the initial rental fee, I have never bothered to consider the rental fees. I was under the impression that the bank was doing its job. I have never received a bill for box rental fees. Rental fees were not discussed at the XXXX XXXX meeting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On XXXX XXXX,2016 a hard hit inquiry was placed on my XXXX  report due to a fraudulent application " cominetycapital/XXXX ''. I have called numerous times to have them contact XXXX to remove this inquiry and nothing has been done. They now tell me they ca n't locate an application for me and an account was never opened so it should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2016 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MI).
Issue: Problems when you are unable to pay

Complaint: There are communication between myself and bank but they put as all my fault, I am veteran working away from home most of my times, so I told USAA to take out {$250.00} bi weekly for my car payment, well after XXXX payments they stop and I did n't realized they stop, after 60 days they repo my vehicles and told me I fail to make my car payments, my car payment was {$350.00} a month buy but I been paid them {$500.00}, after I relized they repo my car I called them and ask them why they not notified me they reply that I did not answer my phone! Well they lie to me becauce I did not received any call from them or letter mail? I ask them what number did they call? They said that they do n't have number anymore and other thing is they told me my XXXX bank account is closed, well again they lie, my account with XXXX still active. I ask my bank did USAA try to take any money out? They say NO ... .so I talks to USAA they now say that they only take out XXXX payments, I have to sign some kind of documents for them to take money for car payments??? They been taking {$250.00} out fine? Why they stop and blame on me not make my car payments??? Now I told them it a communication issue between myself and them, they not buying it ... And now they say too late to get my car back! It on auction???? Please help me on this issue! Thanks ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Debt collection (Payday loan) with CASHCALL, INC. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: XXXX XXXX XXXX firm claimed to be a debt collector for Cash Call. XXXX XXXX XXXX firm is a total SCAM! He is n't a so called law firm. We a agreed on a monthly payment of {$120.00} a month XX/XX/XXXX for a debt due to Cash Call. I did n't know at the time that he was a scammer. I paid {$600.00} up front via my checking account. I paid {$120.00} each month till XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX firm took two payments of {$120.00} when I did n't agree to that. My bank account shows XXXX XXXX XXXX but nothing about a law firm. I then called XXXX XXXX XXXX firm and got no answer, left a message and he never called me back. Then on XXXX XXXX XXXX at XXXX I get a call from XXXX from XXXX XXXX XXXX firm saying I 'm in big trouble for closing my bank account out and saying I still owe {$600.00} but now I 'm going to owe {$6500.00}. I told him I finally found out they have been scamming me for all these years. XXXX of course denied that. I told him send me a letter with proof of everything he was saying. XXXX then called my daughter 8 times and harassed her. XXXX said he looked up both of our XXXX pages and said he knows everything about us. My daughter told him if he calls again we are calling the police and reporting him. He hung up and ten minutes later tried to call her again. She did n't answer, he has n't called since. Now I 'm reporting them everywhere I can, so I can warn others.

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
Consumer complaint received 02-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: APR or interest rate

Complaint: Capital One has committed fraud due to false advertising. 
They say the have comparative annual percentage rates, but that is simply not the case! 
XXXX, XXXX, and XXXX all have rates lower than Capital One. Still, they have not offered me a valid justification of their continued practice. Why have they not been fair and honest about that? Therefore, I am charging Capital One with corporate greed, due to deceptive advertising and falsifying information. Also, their customer service personnel overseas, refer to themselves as either XXXX or XXXX from the XXXX. How can that be when they are thousands of miles away from the United States? Can I get an explanantion for that? I have stated to Capital One employees time and again, that I prefer to speak to someone in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Mortgage (VA mortgage) with LoanCare, LLC (MT).
Issue: Loan servicing, payments, escrow account

Complaint: I was charged twice for a my XXXX mortgage leaving me with no money. They told me it was refunded and I have yet to see it.

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 08-01-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. The following account and inquiries are unauthorized and fraudulent : XXXX Bank, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX Bank XXXX XXXX/XXXX/XXXX, XXXX Bank XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation