milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2017 about Debt collection (Medical) with Receivables Management Partners, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A collection was filed with Berks Credit and Collection in XX/XX/2015. I was not made aware of a collection and there was no attempt on the part of Berks to contact me, although they claim to have sent XXXX letter in XX/XX/2015. This letter was not sent via certified maiI and, per an employee at Berks Credit and Collection, was sent to an address I had not been associated with for almost 3 years. In order to speak with the collection agency, I had to call Equifax for the company information. I first spoke to XXXX XXXX and asked her to remove one of the collections showing on my credit report since, for whatever reason, the same collection had been reported twice. She refused and told me to take it up with the credit agency. XXXX already told me the duplicate is because of an error from Berks and they can not remove it, only the reporting collection agency can. I then asked XXXX to remove the collection from my credit report when I pay and she refused that as well. She would not give a reason as to why they would not remove the collection when it would be satisfied today after I had to reach out to them. The call was ended so I called back and spoke to XXXX XXXX who was equally rude and condescending. XXXX ended the call with me as I tried to question the company practice of reporting paid in full versus removing the debt collection from the credit report. I want to understand this practice before the account is paid in full. Once reported tot the Better Business Bureau, the company responded by stating they will remove the duplicate account from my report since it was an error made on their end that has caused XXXX hits to my credit, but they have not addressed the fact that I was not given proper notice of this collection before it was placed on my credit report. In speaking with XXXX XXXX, Berks Credit and Collection admitted to sending a letter in 2015 to an address that I had not been associated with in almost 3 years. This letter was not sent certified mail and XXXX stated, " We ca n't send everybody with a collection a certified letter for their collection. We send a letter and if it does n't get returned, we assume it was received ''. I explained this is a poor assumption as mail is lost or thrown away all the time and there is no way to account for if someone received the correspondence unless it is signed for. XXXX continued to be rude, condescending and disrespectful on the call and threatened to end the call when I told her that she needed to watch her tone and attitude when speaking to a customer/client. Since proper notice of the collection was not given prior to the collection being placed on my credit report, it should be removed from my report altogether upon payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I get an account with national recovery on my Equifax credit report who supposed to be closed. I want this account to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Credit card debt) with Cooling & Winter LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Today I looked at my on-line check stub for payday this coming Friday, XX/XX/XXXX, and was very surprised to see a garnishment attached. I contacted my HR and was told that there was a garnishment by court order. HR then referred me to XXXX XXXX, XXXX. They in turn gave me a Case Number and referred me to the law firm of COOLING AND WINTER. This firm was rude, difficult and, hung up on me. I then called back to XXXX XXXX. This time, they told me that the garnishment was in relation to credit card debt with XXXX XXXX XXXX. I have not had a credit card with XXXX since early XXXX or somewhere in that time frame. I was never notified of any pending court action and thus had no way to refute any claims that were made. At the time that I got credit cards with XXXX, I was a resident of XXXX. In XXXX, the Statute of Limitations on credit card debt is 6 years ( OCGA 9-3-24 ). I am now a resident of XXXX XXXX and have been since XXXX. In XXXX XXXX, the Statute of Limitations is 3 years ( Civil Procedure 1-52.1 ).

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 05-12-2016 about Debt collection (Payday loan) with REGIONAL MANAGEMENT CORPORATION (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls at least XXXX 5 times daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account is not mine, belongs to Corporate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I REQUESTED FROM TRANSUNION TO REMOVE INCORRECTSPELT NAME OF XXXX XXXX AND INQIURY BY XXXX ON XXXX/XXXX/2015, THAT WAS NOT AUTHORIZED BY ME.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account XX/XX/2016 with the targeted XXXX code for XXXX XXXX XXXX miles. The promotion required {$1000.00} in debit card purchases and 2 consecutive months of bills paid online. I fulfilled these requirements in XX/XX/XXXX, and was told that I would receive my miles in my account by XX/XX/XXXX. I received written confirmation via live chat that I was qualified and eligible, and also have the results of an investigation that confirmed I was eligible. I was told both times that I would receive the miles within 90 days of my last qualifying purchase ( in XX/XX/XXXX ). However, it is past when I should have received them and I am being told that I there is yet another review going on to see if I am eligible. In the meantime, I have been charged service fees twice while waiting.

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 non-monetary relief
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent this company 2 letters asking for help to resolve this issue with them. They have ignored my request to communicate with them about this is. I have provided copy of police report and letters asking them to provide me with information that bare by signature showing that I have authorize them to pull my credit report for any purpose. The repeated non communication from the blow company about this serious issue shows that they are in violation of my rights : as per the Fair Credit Reporting Act section 611. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ).
I have also taken the necessary steps to put fraud alerts on my credit profile as a safe guard to help prevent this from happening in the future.
Capital One Bank USA Na XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize your company to make this inquiry : Date from XX/XX/XXXX and XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NY).
Issue: Deposits and withdrawals

Complaint: I have an account with PayPal and have funded it with cash for various purchases and other account activities. PayPal has locked my account due to the fact I transferred money from my PayPal account to my bank account. I currently have {$3000.00} in this account and PayPal is telling me they wo n't refund it to me for 180 days which is unfair and poses a hardship to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Other

Complaint: I did a credit card balance transfer from XXXX ( XXXX ) to Barclays Bank Delaware on XXXX/XXXX/16 for {$1100.00} the money was never credited to XXXX we were charged late fees from them and the worse part is that Barclays Bank deducted {$2000.00} from our checking account without our authorization ( I 'm attaching XXXX statement ) ( I did a previous deduction authorization on other credit card I have with them, but not in this XXXX ) and we do n't know the reason how they get to that amount ; now, up to today there is no trace of the payment made by Barclays and what is worst our money is still lost and we have to pay our bills.

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I filed a dispute with XXXX, Equifax and XXXX in regards to XXXX XXXX XXXX collection account listed on my report. And explained that XXXX XXXX XXXX is in violation in regards to their reporting on my credit report and stated why and showed proof of said violation. However, they came back verified. I sent XXXX XXXX XXXX a letter certified mail return receipt requesting validation under the Texas Financial Code 392.202, Fair Credit Report Act and Fair Collections Act and proof is attached with return receipt dated XXXX XXXX, XXXX and XXXX XXXX XXXX failed to property follow the law and never contacted me in regards to my request it has been over two years and XXXX XXXX XXXX has yet to validate and verify the debt to me per my request as of XXXX XXXX, XXXX. After giving them ample time to respond I disputed with the credit reporting agencies and let them know of XXXX XXXX XXXX lack of response in regard to the credit line in accordance with Texas and Federal Law. However, once disputed on those grounds XXXX, Equifax and XXXX verified it thus also being in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I APPLIED WELLS FARGO XXXX XXXX XXXX ON XXXX. I GOT MY CREDIT CARD ON XXXX. I CALLED CUSTOMER SERVICE ON XXXX REGARDING THIS CREDIT CARD & I SPOKE TO XXXX XXXX ABOUT PROMOTION ON THIS ACCOUNT. THERE WAS A BONUS OF XXXX POINTS AFTER SPENDING {$1000.00} IN FIRST 3 MONTHS, WHEN I APPLY THIS CREDIT CARD. THERE IS NO BONUS ON MY NEW ACCOUNT ACCORDING TO CUSTOMER SERVICE DEPT. & REWARD DEPT. XXXX XXXX. I THINK THIS A FRAUD THAT I DO NOT HAVE ANY BONUS ON THIS CREDIT CARD. I DO NOT TRUST THIS BANK. THIS BANK HAD A BAD CUSTOMER SERVICE & THEY LOST A CASE IN FED. COURT IN PAST FOR {$20.00} BILLION DOLLARS.

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 05/28/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Paid OCWEN mortgage payments based on last statement received ( and on website ) XX/XX/XXXX stating the XX/XX/XXXX payment due. Payments commenced on XX/XX/XXXX, with a total of XXXX payments made. Now we are getting generic statements saying we owe differing amounts every month. Yet the website states we owe for the XX/XX/XXXX payment and are in the arears for {$9900.00}. Monthly payment is {$870.00}. Even if I am behind, since XX/XX/XXXX which I do n't believe I am the total past due is {$3500.00}. This is a far cry from {$9900.00} they say I 'm in arrears. Also sent a RESPA request to OCWEN in XX/XX/XXXX, certified letter, with a signed receipt and still have not heard from OCWEN. 
Looking at their accounting of our payments, it shows reversed payments, the suspense payments being made. When calls are placed to customer service dept, you never get the same answer twice from OCWEN.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Medical) with Collection Bureau Incorporated (ID).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The collection agency Representative XXXX XXXX threatened to call my employer ( a bank ) and tell them I have a dirty mouth and do n't pay my bills. 
I had already paid the medical bill in full and was served papers that they were suing me for interest along with attorneys fees. I had initially contacted the company of my own free will in XXXX to pay the balance in full. They stated they were owed interest and would not accept my payment unless I paid them for their job. I asked for proof they had the authority to seek interest and they stated they did n't have to prove anything. The collection bureau was not only rude while I offered to pay in full but demeaning asking me questions specifically " oh yeah where did you get the money to pay us? '' and " your a XXXX that does n't pay her bills. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (VA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/ 2017 I received a letter form Citi Bank - XXXX XXXX XXXX, XXXX XXXX, SD- XXXX stating I was turned down for a credit card with them. 
Due to the XXXX Report " You have filed for bankruptcy and your previous account ( s ) with us was included in that filing.

I have never had a bankruptcy and never a card with them. I also pulled up my credit file with XXXX and it does not reflect anything, that their letter states.XXXXNow, I have been denied credit and it is a hard inquiry on my report. 
I tried calling the company and no one will help me, says to contact 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 12/23/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Making/receiving payments, sending money

Complaint: In XXXX of this year I received a collection letter from XXXX stating they are collecting on behalf of CITI bank for the account in default. I NEVER HAD citi bank account!!! I disputed this with XXXX bureaus and with XXXX who failed to validate this account and send me any proof that I was the debtor on this account but advised me to get a letter from CITI bank stating that I never had an account with them. I called XXXX # for citi bank, who advised me to inquire with the branch for the letter. But branch manager advised me to call their fraud department who directed me to the local branch again .... I also have written several request to citi bank asking them to validate this account but all went ignored. I am not stuck with the collection that does NOT belong to me and with collection company XXXX who is ILLEGALLY attempting to collect debt and harassing me non stop!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I got sued by my landlord for electricity bills and the matter got settled and fully paid. Several months later a company called XXXX which is based in Texas and provides the service of splitting electricity bills among roommates, that company filled for collections of an electricity bill. 
The company does not have ownership of that account nor did they ever pay the electricity bill nor is it within their services. Whenever a bill is not paid, it is forwarded to the landlord who in turn collects their debt since they are the ones who actually pay the city for electricity Bills. 
The claim is completely fraudulent and after contacting XXXX several times thy still refuse to remove the collections claim even though they never paid the bill nor do they that.

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 02/22/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I financed two pieces of furniture from XXXX XXXX XXXX XXXX, and the credit card is issued through Synchrony Bank. As such, I made a payment to Synchrony bank in the amount of {$200.00} on XX/XX/2018, via phone with a representative. Per the representative, the transaction was successful, and this also reflected in my checking account. As a result, I considered the bill paid. 
Approximately two weeks later, I received a text message from Synchrony regarding collecting a debt. I was confused so I decided to contact Synchrony bank, and was told that the payment was returned to my account " due to an incorrect/invalid account number. '' I was even more confused as I did not provide an account number to the representative, and my checking account was not credited by Synchrony. All I provided to the representative was my name, social, home address, etc. I even spoke with a 'resolution specialist ' who did absolutely nothing to resolve the issue. I was going back and forth for hours and no one tried to help. So I decided to call my bank and was told what I already knew ... the money was NOT credited back to my account. At this point, I decided to call the number ( XXXX ) listed on the transaction via online banking. Sure enough, the call was connected to SYNCHRONY BANK! I informed the representative that I was calling the number that was on the transaction. To my surprise, the representative informed me that " we do not handle any accounts for XXXX XXXX XXXX. '' So, Synchrony basically took my {$200.00} and still expects me to pay the full balance. 

A few days later, I received a billing statement with the original amount ( the {$200.00} was not credited to my account ). The minimum due is doubled, and I believe there is also late payment included.

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 04/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with TD BANK US HOLDING COMPANY (NH).
Issue: Loan servicing, payments, escrow account

Complaint: In   XXXX   XXXX   XXXX   filed   XXXX   XXXX   XXXX   Bankruptcy. I continued to make monthly mortgage payments of {$580.00} to   XXXX   XXXX   for my first mortgage. I was not notified by my attorney or   XXXX   XXXX   of an increase in my mortgage payment to  XXXX  as of  XXXX  of  XXXX  and continued to pay {$580.00} monthly. I paid all mortgage payments directly to  XXXX  Bank by electronic transfer from my personal checking account during the bankruptcy. In a certified mail dated  XXXX / XXXX / XXXX , I received legalnotice from   XXXX   XXXX   demanding {$1900.00} alleging that their records showed my account  XXXX  payments overdue. At that time  XXXX  Bank had " unapplied funds '' that I paid that were not credited to my mortgage account. A  XXXX  Bank statement dated  XXXX / XXXX / XXXX  states that I owed {$1300.00} due before  XXXX / XXXX / XXXX . I sent payments of {$700.00} on  XXXX / XXXX / XXXX , {$630.00} on  XXXX / XXXX / XXXX  for a total of {$1300.00}. A letter from  XXXX  dated  XXXX / XXXX / XXXX  states that as of  XXXX / XXXX / XXXX  my new payment amount was {$600.00} and requests an additional payment of {$520.00} by  XXXX / XXXX / XXXX , which was  XXXX  weeks before the date on the letter and  XXXX  weeks before I received the notice. I have also been charged a number of " late fees '' and  XXXX   XXXX  by property inspection '' fees for which the bank has not provided an explanation. I have called the bank several times, without a resolution of this issue. They said they would call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (WI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Navient continues to call me despite my being current with my min. payments and after I 've asked them not to call.

Company response to consumer: Closed with explanation