milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My Macy 's credit card number was used to make purchases at Macy 's stores in XXXX XXXX while I was in New York. I still have possession of the card, so I assume it was some form of spoofing. I noticed the charges within a few days and notified Macy 's they were not mine. I have filled out a fraud affidavit and returned it. 

I now get several phone calls a day beginning at XXXX XXXX. In general I do n't answer, but when I tried to pick up I discovered the caller hangs up after two rings. I called back the number from the Caller I.D . log and determined it was Macy 's bank. I called Macy 's bank and asked them to stop, but the calls continue. 

There have also been negative reports to various credit bureaus. 

This is Macys bank rather than Macy 's itself. The fraudulent charges have been removed from the record of my actual Macy 's account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i contacted the three credit report agencys. equafax, XXXX, and XXXX concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Forster, Garbus and Garbus (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a notice of wage execution for a debt that is 9 yrs old. We contact the original account holder in the beginning of this account to advice them that due to medical reasons I could not keep the account, and they failed to comply. Years later, they are till pursuing this account. 

Needless to say its 9yrs old and they are out of time as far as collecting, reporting and wage execution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX account on my XXXX and Experian credit report. This is an incorrect account that is not mine. I have never used this account nor had an account with this company. I have tried to dispute it and received no results with both of these agencies. XXXX took my  dispute and it was deleted from my credit report. This is incorrect and should not be on any of my credit reports. 

Amount {$420.00} Opened in XXXX Last Balance Date XXXX

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 05/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They are trying to collect a debt that was paid in full to the original creditor ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (MN).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I opened this credit card on XX/XX/XXXX, XXXX credit card interest rate 37 %, XXXX $ annual fee. Per contract every year with no late payments they would give you a credit increase. On XX/XX/XXXX recieved a credit increase of XXXX $ and also charged an annual fee of XXXX $ which actually was only a XXXX $ increase in credit. I always paid on time and even paid card off two times in that year. Was promised in one more year on time payments in XX/XX/XXXX, another credit increase. When I called to request increase, i was denied credit increase, and informed I would be charged a larger annual fee of XXXX $ for the use of the card! I was told that employee was new there and he did not know why I was denied. I had no late payments. He stated I would recieve the reason in 7 to 10 days! I called back the same day and was told by another new employee I had been late on my payments two times! I was using this card at 37 % interest, an annual fee, and no cash advances to build my credit history only. Never late on a payment or charged a late fee. Was told I would recieve a notice as to why I was denied in 7-10 days. I  recieved two letters 7 days later. The first one said to many delinquencies, to many transaction declines in past year and insufficient credit history! There were a lot of declines due to this card being on my XXXX XXXX, and was fraudulently charged so removed all credit cards from phone. I was never delinquent! And I also had the card over two years with on time payments! Plenty of history. The second letter I received the same day, stated I had applied for credit increase to soon and to reapply in30 days. Over a year had passed since last credit increase! I called the company, closed my account, and stated I would not be using the card anymore, so would not pay the annual fee they charged to the card, either. I also stated I would pay my balance of XXXX $ on time until paid off. My credit report shows account as still open and my balance increased to XXXX $ which was the annual fee added to the balance due on card! Does not show a late payment but I demanded them to close account, and deal with the consequences, than work with criminal practices. I have wrote the company, and have recieved no response, just s bill. I am working hard to rebuild my credit, and I feel this company is taking advantage, or scamming people into believing they will help, and pocketing millions of dollars. Something needs to be done. They are ripping people off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ON XX/XX/17 Contact both the deb collector and the credit card original account holder none were trying to help me as i was trying to pay out my deb out front, i when to the XXXX XXXX store to see if i could pay it out there since the agent from the store on the phone could help me. they gave me the dirty look well we cant help you with that you need to contact the deb collector so i did and they gave me the speak well we cant accept no payments since we cant see your account so i toll both location So are you telling em that you cant help me to pay out my deb but yeah you still harassment with phone calls to pay up now that am going to pay none of both party 's cant seem to find my account or help me out. so the question i toll both company 's i dint own anything if you both cant help me in this situation? there answer was no sorry have a nice day. i was shock but at the same time interested a company that call me none stop demanding there money now they dint want it so i guest i dint own anything? 
hope someone cant get a clear picture my next step is to take it legal as they at the beginning did try to treated me by sending me to court and some posting as lawyers for the company they work for ... 

the company is XXXX XXXX and deb collector are call MCM midland credit management there account XXXX XXXX XXXX XXXX / XXXX XXXX account the amount balanced $ {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, XXXX, I send a letter to TransUnion in the request for verification of the debt shown as XXXX XXXX {$670.00} # XXXX. To date, I have not received any validation this debt other than, the debt was verified debt pursuant to Section 609 ( a ) ( 1 ) ( A ).

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 04/14/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I have a Regular checking account with Bank of America since the late XXXX 's. I 'm not an XXXX XXXX so I used to use it when I travel to the XXXX. Since XX/XX/XXXX I stopped using the account and left a balance. The bank inactivated my account so I could n't withdraw money any more, nor received further bank statements or access online to review my statement. 
I tried to activate it in XX/XX/XXXX, and now they have activated it, they sent me a statement and charged {$14.00} dollars as a monthly maintenance fee and noticed they have done so for the last 12 months now that the account is active. 
So I called them and asked them why they have charged me for twelve months of maintenance fee over an account they inactivated and they said that they can not return those charges because the account was opened. It sounds unfair to me that they inactivated an account, stopped sending me statements, blocked my internet access and now that I reached them to see what happened to my account they take advantage there is a balance in the account and charge directly 12 months of fees of a service they did n't provide. There was no straight answer to that but any way they argued they can charge it because the Regular checking contract says so. If so, why then they blocked my account? What about their part of the contract about having the account open for me all these years?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is calling my personal number to try and reach someone else at the same address for collection purposes. I spoke with XXXX at XXXX XXXX XXXX about XXXX Pacific. The person they are trying to reach does not have my number. This is a hunting addition on their part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: From  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   I received over  28  calls from  XXXX   XXXX  bank. This is not the first time I have received repeated harassing phone calls from them. This is the third time I have spoken with them warning them this is in violation of the FDCPA and yet they continue this illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: I was forced to deposit & wire to multiple amounts of money because of threats to harm my children. What was a harmless internet romance, turned into the worst year of my life. That being XX/XX/XXXX. After my dad XXXX XX/XX/XXXX.A girl named XXXX XXXX XXXX XXXX XXXX XXXX . She was nice in the beginning, until when she scammed and threatened me, and my family. The first bank was Wells Fargo, which was a bank wire. Acct holder XXXX XXXX XXXX. Address- XXXX XXXX XXXX XXXX XXXX CA. XXXX # XXXX. XXXX ) Another wells Fargo wire Acct # XXXX, Acct Holder XXXX XXXX Address- XXXX XXXX XXXX XXXX XXXX CA XXXX {$1200.00} XXXX Dep. amt - {$1500.00} XX/XX/XXXX. Dep- {$2600.00} and {$2400.00} XX/XX/XXXX. 

A wire and multiple deposits were made to XXXX XXXX holder XXXX XXXX XXXX. Acct # XXXX. Address- XXXX XXXX # XXXX XXXX CA XXXX. A wire for {$3000.00} and XXXX manual deposits for {$2000.00}, {$1000.00}, {$670.00} And {$1200.00} on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX deposits to XXXX XXXX Acct # XXXX, in the amt 's of {$1600.00} an d {$2000.00}. 
Another XXXX XXXX XXXX acct holder XXXX XXXX Acct # XXXX in the amt of {$2500.00} done XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX a wire {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
The Bank was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
The other was XXXX XXXX XXXX, XXXX- XXXX. co.a wire for {$25000.00} acct # XXXX. XX/XX/XXXX. 

XXXX XXXX XXXX XXXX , Wire Amt for {$10000.00} & {$7200.00} Acct holder- XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX acct holder Stop $ wholesales a teller deposit for {$6000.00} & {$10000.00} done the same day. XX/XX/XXXX Acct # XXXX. 

XXXX XXXX XXXX multiple deposits to XXXX XXXX XXXX Acct XXXX - XXXX for {$2000.00}, {$1000.00}. {$3000.00} on XX/XX/XXXX, and {$3000.00}, and {$2300.00} on XX/XX/XXXX. 

Last but not least XXXX XXXX XXXX a deposit made for {$4000.00} on XX/XX/XXXX @ XXXX XXXX Acct # XXXX. XXXX XXXX continues to threaten me through the use of private numbers and yahoo messenger XXXX, and her lawyer also at XXXX XXXX. IM also reporting How I was treated to the consumer Financial protection Bureau. I believe have aided and abetted these known criminals. These criminals stooped so low to say I will join my father in XXXX with my kids, and me being on medication for XXXX and XXXX complied. These banks have treated me with such discrimination. My local police did n't help XXXX bit. I still have all the receipts for said transaction. When I found out I was scammed, I asked XXXX XXXX to recall the wires, and they refused. I want My Money Back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My complaint is stating that the Public Record Information was inaccurate in its filing. By law the term " Dismissed '' means that it is adjudicated by the law. When I initiated the case it concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years this is against consumer law. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: At the time a " line was opened '' i was homeless i do have an older brother his XXXX now he had my papers and etc so he opened aline with out me knowing i was sleeping on sofas trains i havw proof of my homelessness.

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 08/22/2017 about Debt collection (I do not know) with Phillips & Cohen Associates, Ltd. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Phillips Cohen and Associates Ltd. on XX/XX/XXXX. The letter was dated XX/XX/XXXX. On XX/XX/XXXX I was shopping at XXXX XXXX and learned my account was frozen due to probate estate issues alleged by the aforementioned debt collector. I called the company but they were closed for the weekend. On Monday XX/XX/XXXX I called the company and was informed the collector was under the impression I was deceased. The person I talked to was a manager named XXXX, while talking to him I informed him I was not deceased. XXXX never informed me why or how his company reached this decision. He did say he would contact XXXX credit department and resolve the issue. He then gave me a number to call. The number was for XXXX XXXX probate department. I received more information from the representative from XXXXXXXXXXXX than I did from XXXX at PCA Ltd. The representative informed me my name got mixed up with my father who is a XXXX and I 'm a XXXX. I did not use the XXXX in my name, so thus the confusion. My complaint is freezing accounts without prior notice and not fully investigating who I was would have shown this was a non issue. I ca n't figure out why social security numbers were n't used to solve the issue before freezing accounts. This company has many complaints at the FDCPA. I was humiliated and embarrassed when my card was denied. I had available credit but account was frozen. PCA Ltd. seems to think this is normal business practice. I feel it must be business as normal if they 're never made to account for their actions. It is my hope no other consumers experience this humiliation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I was notified of a return payment from my bank and resubmitted the payment to the card issuer. Then subsequently was notified by the bank that they did not submit the payment. After which a payment was made and satisfied the balance on the card. Shortly thereafter the card company closes the account without notice. When I contacted them they said it 's because there were two return payments. I let them know it was a bank error. The most disgusting thing is that they closed the account after it was paid in full thereby damaging my credit score and saying that it ca n't be reopened. All with no written notification.

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 10/28/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My payment was lost and in addition to countless late fees, my credit reflects a 30 day late payment, when in fact, they had the payment but it was sitting in suspense on my account. It took 3 weeks for Penny Mac to correctly apply my payment and now they refuse to remove the hit on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (UT).
Issue: Problems when you are unable to pay

Complaint: I had a vehicle loan with Ford Credit. They had my phone # and Email account to contact me anytime they needed. They called and would leave messages of call us, but never an email or call mentioning that pay or we will repo your vehicle. In fact on their web site for my account it said nothing of pay by XX/XX/XX date or we will repo vehicle. Suddenly on XXXX/XXXX/15 a tow truck comes at midnight and takes the vehicle, I ask the guy why and he says for Ford Credit. I go in and check my account online and it says the loan is past due but still no warning of repo. 3 days later still no warning of repo, so I send internal message to their support board from my account login stating this is wrong, what is up and why no fair warning. XXXX later they close the access to web account, I get a call from them asking me to pay some payments, I ask why if you have the vehicle already? The gal says oh and hangs up on me. How can Creditors get away with operating this way? Now after 9 days ( on XXXX/XXXX/15 ) I get a letter stating the vehicle was repo 'd on XXXX/XXXX/15 and that on XXXX/XXXX/15 it will be sold at a " Private Auction '', unless I pay them the full balance before XXXX/XXXX/15 - really I got the letter on XXXX ( Saturday ) and XXXX in Monday giving me 3 days to cough up the money and get it too them!! I feel this was handled very poorly, and unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Prepaid card (Payroll card) with REGIONS FINANCIAL CORPORATION (MI).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/XXXX/16 I requested {$600.00} from an ATM owned by XXXX XXXX. The machine did not dispense any money. I have filed a dispute with XXXX with no results or response. 

# XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: i am filing a complaint against ocwen mortgage servicing llc because of my escrow account calculation are incorrect and they will not correct the issue. I have made serveral attempt to resolve the matter. I have request a complete audit of my escrow account since ocwen has taken over my mortgage account. I have done a calculation of my escrow account. and compared to there analysis. I will attach a copy of my calculation and there original analysis. the original analysis was done on XXXX XXXX 2015 and when I question the analysis the sent a second one XXXX/XXXX/2015 which was even had more errors and double billing and collecting.

Company response to consumer: Closed with explanation