milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2015 about Debt collection (Medical) with ARC Management Group, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I got phone call from ARC around XX/XX/XXXX and got a mail XX/XX/XXXX, XXXX report me to credit bureau on XXXX XXXX, even before I got notice from them!!! 
accounting to " Fair Debt Collection Practices Act '' this federal law said '' Debt Collector Must Send Written Notice of a Debt '' and with five days of contacting me, a debt collector must send me a written notice telling me the amount of money I owe and the name of the creditor. But ARC DO NOT do this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After receiving a debt collection notice on a bill from XXXX XXXX, I called the collection company to dispute this as I did not receive the bill. I was told by the collection agency that I should contact my insurance company for any back up regarding this bill. I called XXXX XXXX after getting the number online, and spoke to a XXXX, who could not provide me a copy of the bill and sadly told me to contact the collection agency with whom would not provide me any paper work other than what is on the collection notice. 

Since this occurred yesterday, I have had to block harassing calls. 

Please help, my health can not continue to deal with this in such a terrible manner.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but none of these was follow,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received information about a debt owed from collection company that was purchased from original creditor, 2 years after debt was aged.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Network Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have repeatedly informed Financial Credit Network and it 's original creditor XXXX that I am not the responsible party for this debt that is reporting to my Credit Report in the amount of {$190.00}. The responsible party as of XX/XX/2015 is XXXX at XXXX, XXXX, CA XXXX. Also XXXX has record of the Owner changing the gas into her name around XX/XX/2015. This person can be reached at ( XXXX ) XXXX. The original creditor has this information as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: I had an account at this bank and my friend deposited money into my account to help me out because I am on XXXX, he deposited {$5000.00} into my account for me give it to someone else for him, but when I went to withdraw the money I was asked where did you get {$5000.00} from, but I did not respond to her because it was not her business and I should not have been asked the question, the money that was left in the account was from my XXXX benefits and the money my friend gave me which was {$700.00} and since they put a hold on my account my bills for this month was not paid and when I asked for my money I was told it was not mine and she actually called me a thief, she said I stole the money from someone and it was not mine the money belongs to the person I took it from but she could not tell me who I took the money from, so now I am asking for your help in how to get my money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted XXXX and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXCredit UnionXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXX/XXXXBankXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX Credit Cards/AirlinesXX/XX/XXXXXXXX XXXXHome FurnishingsXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX/XXXXFinanceXX/XX/XXXX XXXXCredit UnionXX/XX/XXXX XXXXBankXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXCredit UnionXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXX XXXX Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have parent plus loans. I have worked out payment arrangements with Navient and XXXX. Navient has all my current information but people I know have been receiving letters asking for my address, telephone number and employer information. The letters claim I used them as references when I did not. I contacted Navient about this but they can not explain why these letters were sent. As a result, I asked them only to contact me by mail. They call me day and night, practically every day when I have already made payment arrangements. I want the harassment to stop. I make the arranged payments on time each month. I do n't know what else to do. It 's an abuse to contact people I know about my debt when the company has my information. What is the motivation for this? Embarrassment? I always call Navient when requested. From now on, I only what to be contacted by mail. I told this to Navient but I do not expect this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted a letter of validation to Equifax XX/XX/XXXX asking them to validate the debt from XXXX XXXX XXXX   XXXX and between XX/XX/XXXX and XX/XX/XXXX it was removed from my credit report. I recently checked my reports to see if a status was updated for my credit card and I noticed that XXXX XXXX XXXX XXXX  was back on my report. I did not receive anything from anyone stating that pertains to an update and I know that it is a violation the FCRA 623 ( a ) ( 8 ) ( D ) that I should have been notified in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: onXX/XX/XXXX2017 Sent a letter to CommonWealth Financial Systems inc. ( letter attached ) requesting back up on the debt they are reporting on my credit report. <P/>They replied back ( letter attached ) that I needed to call w/social security # 4 digits/date of birth etc ... so they can properly identify me. I find this a bit disturbing that they clearly have this information since they are able to report on my credit - I will NOT call their office to verify my information. <P/>In my letter I also stated do not try to collect this debt which I do not know what it is for until they provide back if you notice at the end of the letter from the it states this is an attempt to collect a debt and used for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted Equifax four times since XXXX about incorrectly reported a delinquent account. They refuse to remove it off my credit report. They have no even replied to me once. Here is the issue and the last letter I sent to them : " I am writing to dispute an inaccurate item that continues to be illegally reported as an open collection on my Equifax report. I have reported this before and yet it remains as an open collection with a note added that its included in a bankruptcy and is at a {$0.00} balance so why is it still reporting as an open collection and a derogatory mark?? It is illegal for you to report this as an open collection/derogatory account when it was illegally reported in the first place. Equifax is the only credit bureau reporting this as an open collection and refusing to fix this. The debt is from XXXX XXXX XXXX XXXX  which is a collection agency. It originates from XXXX XXXX  This debt was discharged in a Chapter XXXX Bankruptcy in XXXX of 2015. After being informed it was included in a Bankruptcy and discharged, XXXX XXXX illegally sent it to a collection agencyXXXX XXXX XXXX. It has reported several times since then and continues to appear as a negative mark on my Equifax report. I got in touch with the collection agency XXXX XXXX XXXX XXXX as did my attorney to inform them this was violating federal law. They have updated their records and informed all XXXX credit bureaus that is now CLOSED with a XXXX balance and is no longer an open collection. Because it was put into collection AFTER it was discharged it is illegal to report as a collection or negative mark. All credit bureaus except Equifax have updated my credit report and removed this completely. You are still reporting this inaccurately and illegally as an open collection. This is my final attempt to get you to correct this. If it is not corrected within the required 30 days, I will contact the Consumer Financial Protection Bureau and seek legal representation and a judgment against Equifax for false and illegal credit reporting according to the Fair Credit Reporting Act which is in turn lower my credit score and costing me money. I know that XXXX XXXX and Equifax have had multimillion dollar judgments against them in recent years for such illegal activities with credit reporting. I look forward to you resolving this appropriately in a timely manner and updating my report and my score. Thank you for your time and attention. I have included two forms of identification off of your acceptable ID list to prove my identity. I have also included the Bankruptcy judgment paperwork as well as the list of creditors whose debts were discharged in the Bankruptcy. '' They never responded to this or the three letters before it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Credit line increase/decrease

Complaint: After nearly a decade of business with Bank of America, I recently inquired for a Credit Line Increase. Over the years I have held active, but never delinquent, Personal Checking, Savings, and Credit accounts with B of A. My credit rating is top tier, thus I did not expect to find myself in the scenario Bank of America placed me in and feeling discriminated against. Upon requesting my Credit Limit Increase on my traditional XXXX Credit Card, I was immediately declined. While this news was shocking, my real goal was to capitalize on an opportunity for cash back which is XXXX of the only incentives offered by my particular card held with B of A. Due to this, I was not disappointed with the decision to decline my increase request. However, upon contacting B of A by phone I was denied the opportunity to receive my decline reason. Instead, after speaking with XXXX representatives by phone and XXXX chat support associate, I was told by each that they could not provide that information and I would not be permitted to speak with a Credit Analyst/Specialist to review my Credit Line Increase request. After several hours straight of going back and forward on the phone, I was eventually in verbal communication with the Credit Analyst/Specialist department who disclosed the nature of the decline. It was for insufficient of lack of a savings account with Bank of America. This is where I feel discriminated against, and as though I was unfairly evaluated by means that no everyone is evaluated XXXX. Upon receiving my denial letter, the reason was consistent with what I was advised on the phone and I also was not provided with my credit score, although I had requested such. Being in a top tier credit category of absolute low risk, my closure of my B of A savings account just a year prior is clear indication that I was unfairly considered for the credit line increase.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Student loan (Federal student loan servicing) with Horizon Debt Group, LLC (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: From XX/XX/XXXX through XX/XX/XXXX I paid the company XXXX XXXX XXXX XXXX  to forgive my students loans. I paid {$130.00} for six months which resulted in the amount of {$800.00}. My student loans have not been forgiven and my loans are currently in collections which is effecting my credit a great deal. The company was paid to negotiate, consolidate, and forgive my loans, however the money that was paid has not been added towards my loans. The amount {$130.00} was taken from my account on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loans have not been paid off at all.

Company response to consumer: Untimely response
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX, my late husband opened up a XXXX credit card account for himself, under his social security number. He passed away intestate on XX/XX/XXXX. I informed XXXX several times that he had passed away intestate, and that I had not ever signed a credit agreement with them. 

Recently I was notified by XXXX that they had lowered my credit limit due to a delinquent credit obligation. I have excellent credit, and this was the first time I realized that there was something wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Doctors Business Bureau for {$240.00}. That debt has been paid and I have a letter supporting it. That debt has been in my credit report since last year and it needs to be removed immediately. Its hurting my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit card () with BARCLAYS BANK DELAWARE (OR).
Issue: Billing statement

Complaint: I called Barclays MasterCard credit card services today they said that I owe {$89.00} as of yesterday they change my due date without notifying me. I said no way I paid {$120.00} on the XXXX of XXXX.they kept my payment ... .and want the XXXX and because I do n't have it Barclay will hit me with a late fee. What the XXXX I have a perfect payment record. I refuse to send Barclay a XXXX dime.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Loan servicing, payments, escrow account

Complaint: : :Addendum to case # XXXX : : Bank of America states the note was transferred to XXXX ( XXXX ), as XXXX APR, XX/XX/XXXX. If this is true, the deed to the property reflects the mortgage was satisfied by Bank of America, NOT XXXX. I have attached the deeds in regards to Bank of America. XXXX ( XXXX ), is mentioned nowhere in the deeds. Also, let it be known I have provided a copy of my drivers license, as well as official government mailings, proving my mailing address as of XX/XX/XXXX. My attached proof of address is well before the alleged transfer date. Also, let it be known, my address was NOT changed in XX/XX/XXXX, as Bank of America stated. Also, the addresses provided by Bank of America are of a generic nature, as there are multiple XXXX, as well as XXXX. There are no city, state, or proper zip code attached, which means I did NOT receive any mailings. Also, Bank of America claims there was not foreclosure proceedings conducted. There were XXXX XXXX notices issued in both XX/XX/XXXX, as well as XX/XX/XXXX. Reason being is Bank of America was the second mortgage. XXXX was the primary ( first mortgage ). XXXX refused to subordinate the second mortgage, which meant the property could not be refinanced or sold. This is why the property was disposed of via short sale. I have provided your own words in an attachment, as well as identification and the deeds.

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 04-03-2017 about Consumer Loan (Installment loan) with UMPQUA HOLDINGS CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: They are charging me astronomical late fees.

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 12-05-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I have had a business bank account with my partner at TD Bank since XXXX. There have been many issues since then but the latest is most concerning. I entered the bank wishing to do a transaction and was told that I was not listed on the account. I had used the ATM just a couple of days before, used the debit card to make a few purchases and the month before done a transaction in the branch. However on XXXX XXXX XXXX I was not listed. The bank employees could not tell my why I was not listed on the account and my partner stated that he had done nothing to remove me from the account. When I went to a branch to try and resolve the issue they said that they could not fix the problem there and that they had to call on the phone. After over an hour of discussion they told me that my partner had filled out a change of address form and that was the reason I was removed from the account. They stated that the change of address form had the effect of removing me from the account. My partner only wanted to change our business address and was clear about this when he filled out the form. He was not told that this would affect all partners on the account and there was no mention of removing a partner 's access to the account by simply changing the address. Furthermore, from what they told me there is no way for one partner to change the address on an account without removing a partner 's access unless that partner is present and signs the address change. Changing an address should not have this effect and this is a very stupid thing that caused a lot of unnecessary trouble. I think that it is wrong that this happened, but the big issue I have is that they are very weak in resolving the problem. It took almost an hour for them to tell me why it happened and they seem as clueless as I am about what is going on. They are mishandling my account and are not providing the service that I was told I could expect when I opened the account. There seems to be no accountability for this problem and I feel they need to be reported for negligence and inappropriate conduct with accounts. They also misrepresented what the effect of the change of address form would be when my partner signed it. He was under the impression that it would simply update our mailing address. There was no mention of removing me as a partner.

Company response to consumer: Closed with monetary relief