milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2016 about Debt collection (I do not know) with ARC Management Group, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX ARC Management Group LLC reported to XXXX I had XXXX account in collections for {$1900.00} dollars, I have no knowledge of said account and I do not owe ARC Management Group LLC anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from ARC Management Group LLC or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by ARC Management Group LLC are a clear violation of the Fair Debt Collections Act. I am requesting that ARC Management Group LLC removes this collection account from each XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted XXXX and XXXX and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with XXXX. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, becase my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my XXXX daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.

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 04-06-2017 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I / we have received numerous phone calls from an American Express agent in regards to an account that none of the individuals he has been calling have any responsibility or ownership. 
I consider this approach harassment and unprofessional tactics related to a Company I believed to be highly credible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Judgments filed and reported while on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX representative came to my house told me nothing would effect my credit in any type of way and if I did n't want to continue with the package to call him. I had the cable for a two weeks and I called him and said he would cancel the plan. A few days later I recieved a bill over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with NAVY FEDERAL CREDIT UNION (NC).
Issue: Other

Complaint: Navy Federal Credit Union is reporting a credit card collection account on my XXXX credit report that does not belong to me. For a brief time, I had been added to this credit card as an authorized user back in 2010, but the authorized user status was taken off over 6 years ago. I have disputed this account at XXXX several times, but Navy FCU refuses to take it off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Prepaid card (Payroll card) with CHECK INTO CASH INC. (NY).
Issue: Fraud or scam

Complaint: I 've had this prepaid card for some time now. I have a portion of my paycheck deposited to it. On Sunday, XX/XX/2017, I went online to make a purchase. The card was declined. I wonder why when I have close to {$1000.00} saved up so I proceed to try a second time. That 's when I reached out to the card customer service. I was advised that my card was at a negative. They went over numerous transactions which I was completely unaware of. I immediately asked them to shut the card down and requested for a Dispute Form so that I could file a claim. I did everything I was advised to do. File a police report and submitted it along with the completed Dispute on the XX/XX/2017. Today, I received the frustrating and disappointing letter from them indicating that the claim was denied because these were face to face transactions and the card was present. This is completely appalling because I had the card the entire time. I was using the card at work when these transactions were fraudulently being conducted some where else. I 've been struggling these past couple of weeks because this is money I put aside for my every day needs as I am a single mother every penny counts. It will be a great hardship for me to loose these funds. I 'd like to file a formal complaint on this company for the way they have handle this situation. Not only was I not notified on time to avoid the loses but now they basically tell me that I have to go out of my way to reach to each everyone of these merchant and try to get the money back when there is more than enough evidence that these charges were not made by me. This is a great discrepancy and they failed to protect the funds that I work so hard to support my family. It may not be big bucks but is my money. Your assistance in resolving this matter is greatly appreciated. 

Below, I have included the fraudulent charges along with prepaid card company and my information : XXXX GA XXXX Dispute Processing Fax XXXX Tel XXXX Mastercard ending in XXXX : Fraudulent Charges XX/XX/2017 {$83.00} XXXX Ny XX/XX/2017 {$150.00} XXXX NY XX/XX/2017 {$110.00} XXXX NY XX/XX/2017 {$150.00} XXXX XX/XX/2017 {$44.00} XXXX Ny XX/XX/2017 {$57.00} XXXX NY US XX/XX/2017 {$13.00} XXXX, NY US XX/XX/2017 {$12.00} XXXX NY US XX/XX/2017 {$15.00} XXXX NY US XX/XX/2017 {$16.00} XXXX NY US XX/XX/2017 {$140.00} XXXX NY US

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/24/2017 about Checking or savings account (Savings account) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have a savings account with HSBC bank that is now in dormancy because there was no  activity on it for a period of time. The account has funds in it which I would like to access. I 've called HSBC three times over the last month to have them send me a form to release the account from dormancy status so I can access it. I live in a state where there are no HSBC branches, so I ca n't easily get access to the form. I also sent HSBC a notarized letter asking them to release the account from dormancy. To date nothing has been done. HBSC has been unresponsive when I ' ve called, telling me I just need to wait for the form in the mail. When I called on  XXXX , I spoke with someone named  XXXX . The second time I called on  XXXX , I spoke with someone named  XXXX . The third time I calle d (  on  XXXX  ) I spoke with someone named  XXXX . They have refused to email me the form, or send it to me via expedited shipping where it can be tracked.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX, I made a transaction with a scammer for website creation to be fulfilled for {$900.00}. On XX/XX/XXXX, I made a dispute with the scammer because, by that time, there was no work done, nothing was fulfilled. I was very disappointed. I made this dispute with CITIGROUP which involved the credit card I have with them. CITIGROUP had claimed to send me a verification for me to respond to the situation but never got any notification on my account nor in my email. 

CITIGROUP has n't given me a second chance to solve this issue. They allowed a scammer to run away with my {$900.00}. And CITIGROUP is making me responsible for this loss. I 'm not happy with it. CITIGROUP needs to reconsider this situation because I 'm the victim here with no service provided for the {$900.00}. 

I tried disputing this situation over and over again but CITIGROUP is n't siding with me. 

Please help me out.

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 06/30/2015 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received treatment in XXXX XXXX back in XX/XX/XXXX and now, XXXX takes care of myself. I always pay my bills on time. NOW, Dynamic recovery solutions is trying to collect XXXX XXXX from a debt they bought from XXXX XXXX XXXX dated XX/XX/XXXX and I do not have any record about it. So, I consider this could be a fraud attempt to collect money from former XXXX patients

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I continue to be harrassed and threatened by a person named XXXX XXXX at Citibank. I was a victim of identity theft over a period of years by a family member who is now dead. I have written numerous letters but they continue to assign various other debt collectors to harass me. I am a XXXX XXXX year old women who is quite ill from XXXX , and numerous complications. I can not sleep due to fear of these tactics. I have acquired identity theft protection from XXXX and XXXX, but Citibank continues to harrass me. I have reported the identity theft to the FTC. I will write another detailed letter to XXXX XXXX but I am currently terrified. I have sold my house to pay for as much debt as could possibly be mine. But, this card is not my debt, and I am so afraid of what will happen next. Surely, Citibank has other things to do besides terrify an older sick woman.

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 02-02-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I applied twice for a mortgage modification for my Ocwen loan which I desperately needed. Both times I was told I could not get a modification because I was n't late on any payments. Both times they told me I had to be make late payments ( or no payments ) for 2 months. ( this information is on several recorded phone calls. ) As I understand it, the banks are not allowed to force you to make late payments. The third time I applied I met the criteria of being late 2 months and I was given a modification. In the interim my credit card companies all lowered my balance amount so I ended up with almost no credit for emergencies. This too pushed the score down even further. I can not imagine how long it will take me to recover my good credit. I would have qualified the firs time I applied had they not insisted that I make late of skip 2 payments. I did have an ARM. Each application I ended up with probably 6 different people as my point of contact. You can not get help over the phone. The people who answer are very difficult to understand as XXXX is their XXXX language. If you have questions, there is no one to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (OH).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I h ad PNC  only 3 months I had business accounts and personal accounts.  XXXX  the business banker opened  XXXX  accounts for my business then closed  XXXX  and gave me the closed accounts numbers with the debit cards to the open accounts my clients kept trying to send money only to have funds rejected and was told the account was closed i spoke repeatedly to t he manager and assistant manager at my PNC bra nch  XXXX  and  XXXX  and was told everything was fine but it wasnt I was using the debit cards thinking everything was ok then the actual active accounts became overdrawn and checks bounced and no payments from my customers was received  XXXX  told me last week i had the qrong business account numbers and he was sorry My personal account was in good standing and it was closed an d PNC never informed me they was closing them, I have a job and my check is direct deposit I asked them will I be able to get my deposit cus my rent is due and was told they have to hold it for 30 days I have been so stressed out over the fees and lies from PNC I feel lik e I have  XXXX  not only have I lost alot of vendors and clients for my business but now my personal life is in shambles  and I may get evicted I went to my doctor for   XXXX   XXXX   XXXX   XXXX   all due from dealing with PNC HOW CAN THEY DO THIS Its not fair how they are allowed to  XXXX  people over

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (I do not know) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I am having serious trouble with a company called Equifax. I have repeatedly asked for my credit report. However, they have not provided it as they are lawfully required to do. They have not extended any service or any consideration whatsoever. I am FURIOUS that Equifax are not taking their obligations to protect my identity seriously. 

To provide some background, I am a US citizen that currently resides full time in the XXXX XXXX and part time in the United States. I file a US tax return every year from my residence here in the XXXX. I received a fraud warning document from the IRS in XXXX stating that someone used my social security number to obtain employment in the United States. In that letter, The IRS document stated that they STRONGLY recommend that I obtain my US credit report from the 3 major US credit agencies including Equifax as a matter or urgency. While my full time residence is currently in the XXXX, it is of PARAMOUNT importance that I protect the security of my US identity. 

I 'M EXTREMELY ANGRY. Can you please explain to me why a professional organization like the IRS is directing me towards a company like Equifax? I see on the news that they 've recently exposed the private details of millions of Americans. I 'm very concerned because I recently sent them my social security card, driver 's license and other private information to try obtain my credit report. Not only have they not fulfilled their obligation to provide my credit report, but now they 've potentially exposed my private information and made me EVEN MORE VULNERABLE TO IDENTITY THEFT. Why are you ALLOWING this to happen???

Please make this company take their professional and legal responsibilities seriously. I have sent them all the information they have requested, but they have done NOTHING to help secure my identity. I 'm WORRIED SICK. Please I pray to XXXX help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a collection of {$2000.00} showing on my credit report. This collection belong to a person with a different name ( although similar ) on it and has no SSN ( I have a SSN ). What I 've learned is that person is even of an opposite sex. I disputed twice for it on Equifax , waiting for almost 2 months but never get it resolved. It should be a simple issue but I was so disappointed about the result.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit card or prepaid card (Gift card) with U.S. BANCORP (TX).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: On XX/XX/2018 I purchased ( 3 ) {$100.00} XXXX gift cards issued by U.S. Bank at XXXX in XXXX, Texas. When I tried to use them they were declined. I've tried to call the number on the back of the card ( XXXX ) and access the website ( XXXX XXXX XXXX XXXX XXXX ) but neither are working.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Consumer Loan (Installment loan) with CCBA Inc. (OR).
Issue: Managing the loan or lease

Complaint: I am unsure what kind of debt this is as I am being repeatedly called as a reference to my sister. I received XXXX such messages yesterday from a company called CCBA, which stated they were calling about a case which was filed in reference to my sister, and they needed a statement about my involvement. Such scare tactics are illegal and I had previously asked them not to call me. They are not allowed to imply they are law enforcement. When I called back I asked to speak to a supervisor, he denied the behavior and stated he would get the recording to prove it. I was never advised my call would be recorded which is also illegal.

Company response to consumer: Untimely response
Consumer complaint received 03-10-2017 about Mortgage (Conventional fixed mortgage) with ZINC Financial, Inc., (CA).
Issue: Loan servicing, payments, escrow account

Complaint: MY MORTGAGE COMPANY DEFAULTED ME BECAUSE I FELL BEHIND ON MY PROPERTY TAXES, WHICH I HAD MADE ARRANGEMENT MY COUNTY TO MAKE PAYMENT MY HOUSE PAYMENT NEVER BEEN OVER 30-DAYS LATE, THE COMPANY CALLED MY JOB WAS VERY RUDE WITH MY CO -WORKER I WASNT IN, THEN THEY CALLED LEFT ME A VERY RUDE VOICEMAIL, THE ONLY REASON IM DEFAULTED YOUR CONTRACT BECAUSE OF YOUR CO-WORKER WAS RUDE, WHEN SHE WASNT SO I CALLED TO SPEAK TO THE PRINCIPAL OF THE COMPANY, THE LADY THAT HANDLE MY MORTAGE XXXX SAID HE DOSENT WANT TO TALK TO YOU, RIGHT AWAY THEY RASIED MY FIXED RATE FROM 7.5 % TO 28.99 % AND SAID IM CHARGING YOY XXXX INSPECTION FEE WE NEED RIGHT AWAY, I HAD BEEN UNDER ALOT OF STRESS WITH THE DEATH OF MY WIFE, MOTHER, BABY SISTER, AFTER THAT WE HAD A HEAVY RAINFALL WHICH DAMAGE MY ROOF AND BEDROOM I FILE A CLIAM MY INSURANCE TO FIX IT, GAVE THEM THE CHECK THEY TOOK THERE TIME TO ENDORSE AND SAID BY LAW WE ALLOWED TO GIVE PEOPLE THAT WORKING ON YOUR HOUSE 10 %, DOING ALL OF THIS I WAS GOING TO ANOTHER FINICIAL COMPANY TO PAY THEM OFF CAUSE EVERY MONTH I WAS SENDIND MY MORTAGE OF {$600.00} BUT SINCE DEFAULT ME 28.99 % MY STATEMENT WAS {$10000.00} EVERY MONTH SO THE COMPANY I WAS TRYING TO REFINIACE THROUGH SAID THEY NEVER HEARD OF THIS MATTER AT ALL, SO I REFINIACE MY HOUSE WITH THEM MY FORMER COMPANY TOOK THERE OWN TO GIVE A PAY-OFF I BELIEVE TO ALOW THE 28.99 % INTREST TO ACCUAMLATE, FINALLY COMPANY HAD TO DEMAND FOR PAY-OFF AND AFTER THEY GOT PAY-OFF, THEY WRITTEN OUT THE INSURANCE CHECK THAT MY INSURANCE COMPANY HAD SENT TO FIX MY ROOF AND INSIDE, BUT THEY WROTE CHECK LIKE IT WAS A REFUND OF MORTGAGE PAY-OFF, I BELIEVE IWAS TREATING WRONG AND UNFAIRLY, I HAVE A COPY ON VOICEMAIL HOW RUDE THE PRINICPAL OF THE COMPAMY, MY CO-WORKER WILL WRITE A STATEMENT HOW RUDE HE WAS CALLING MY PLACE OF EMPLOYMENT, AND HARRASED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation