milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2016 about Debt collection (Medical) with P.S.C., Inc (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Puget Sound Collections ( PSC ) is attempting to collect a debt that is invalid and previously paid. I have offered on numerous occasions to settle this alleged debt despite previously believing and now knowing that the balance had been previously paid. PSC has reported this alleged debt to the credit reporting agencies and caused me economic harm. Attached is a letter from them, a letter from the original creditor, a letter I sent them explaining how this has been paid and supporting bank statements. PSC has engaged in a pattern of deceptive behavior when I have attempted to ask them for validation of the debt they have sent me a multitude of conflicting account numbers and inaccurate service dates. I believe that they have not attempted to validate any of the debts as they are legally obligated to do so. Further, they have previously regened on promises to myself to remove this from my credit report, another practice that seems to be happening repeatedly. I believe they are engaging in a pattern of abusive practices as evidenced from complaints at the better business bureau. 

PSC has also previously offered to settle this matter with me for full payment and agreed to remove it from my credit report while on the phone with XXXX. She additionally stated they would send me a letter to the same effect and never did. When I called in subsequent to that they have told me that " its against office policy '' to remove entries from people 's credit reports. This same kind of behavior and worse is easily found on the XXXX for this business. This company is an example of the worst behaviors of debt collection agencies.

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 05-12-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Account opening, closing, or management

Complaint: Citizens Bank reported me, rather my business which is an LLC to Chex Systems as " fraud closure ''. This comes up every time I try to open any sort of account for my personal or business whatsoever. I have a copy of my ChexSystems record and neither of which are on the file. The only record on my file is XXXX XXXX Bank and no one is able to confirm or remove something that is non existent anywhere on my file. The only thing I can think of is that it is under my Chex Systems business account consumer ID. The incorrect business is being reported showing corporation and viewing as " XXXX XXXX XXXX XXXX ''. My business is very similar just take away the " XXXX '' making it " XXXX XXXX XXXX, XXXX :. I am also not a corporation as Chex Systems are reporting with this file, I am an LLC. No one will update this and remove it from my file, name. and ssn! I will be contacting my attorney in the next 2 weeks if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Prepaid card (Transit card) with Blackhawk Network Holdings Inc. (PA).
Issue: Fraud or scam

Complaint: XXXX/XXXX/15 I was a victim of a IRS scam, some XXXX called me and I fall for it and purchased the prepaid cards XXXX it and them the numbers of the XXXX prepaid cards, an around two hours later I realized it was a scam so I called the number in the back of the cards, a CSR inform me the the money was on the cards and she ( XXXX ) was putting a stop on the cards. I was happy as thinking did n't loose my money and everything was fine just like she said, also she give me a ITS number of the claim and explain the it will take XXXX to XXXX business day to send me a check, I explain the situation and ask her if she was sure the sto payment was done because this was a time sensitive situation and she said yes. Week latter I called the company to seek the status of my claim and the inform me they only put a stop on XXXX cards and the XXXX of them were redeem, they only can return the money on those cards and the rest was lost because the cards area like cash, I did understand that but when I called them the money was there and they supposedly put a stop, if they would it told that the stop would take time, I could redeem the cards my self and get my money back but the make me believe that my money was save and I believe them because after searched their name it seem like a legitimate company. The are regulated by the federal government, and license from XXXX XXXX XXXX XXXX XXXX XXXX FDIC. I feel the this company is as guilty as the people how called me, or more because they deliberated did n't inform me of the time a stop would take, on the other hand the make me believe the money was save and everything was fine that I should just wait for my money to come in the mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (MS).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Female only identified as XXXX XXXX called my personal cell phone leaving a message. Said I needed to call her back and that it was very important. Upon calling, the company directory only identifies itself at XXXX. Accessed the correct extension and the female advises me I owe {$38.00} to an apartment complex. I told her I purchased a home multiple years ago and she said it was from 2013. I have never been contacted about this debt previously and had no idea what it was in reference to. I asked for her to send me a bill because I wanted proof they were a legitimate, reputable company and did n't feel comfortable giving my banking information over the phone. She advised me while I was waiting on the bill she was going to report my debt to my credit and housing report ; yelling saying I was ridiculous. I advised her I work for a police department and that I see fraud everyday and only wanted to protect myself. She advised me that she already knew I worked for the police department because she just called my place of employment since I did not answer my cell phone. She continued to yell at me over {$38.00} so I requested her supervisor. Her supervisor was not of much help but identified himself as XXXX XXXX. He gave me the phone number to the company I supposedly owed money to and gave me his extension so I could call him back rather than the original XXXX XXXX. I told him his employee was outright rude and had no right to yell at me and that as a woman with perfect credit who happens to be XXXX weeks pregnant, I did not deserve to be treated the way I had been treated. He advised me to calm down and that she was not rude. He admitted that he had not listened to the conversation between XXXX XXXX and I and had no idea what she said to me over the phone nor knew if I was rude in return. ( I was n't ) I also told him not to tell me to calm down if he had not dealt with what I just had to deal with and I had not even raised my voice. - Upon calling the phone number XXXX XXXX gave me, the apartment complex representatives were extremely helpful and willing to pull my debt from collections. I am an extremely responsible person and do not avoid my responsibilities. They had no right to call my place of employment, they had no right to yell and belittle me, they had no right to harass me over {$38.00}, and they had no right to deny me proof or explanation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting on my credit report that I have foreclosure which I never

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I never could decrease the amount to be repayed and the amount even being on XXXX has been fully handled fairly. The school I attended due to homelessness and lack of employment did not allow me to keep up with the monies I owed. As of the XXXX of XXXX I was approved for XXXX with the catch being if I make over {$16000.00} I would have all of my loans reinstated. I find that to be unfair and I fear being put back in debt with no regard for the cost of living with basic needs being met on my income. I 'm allowed not to make over {$1000.00} per month with social security, yet if I make over {$16000.00} I will have to pay over {$60000.00} in student loans back. This has me feeling like I will just drown and not live productive. Please help me figure what to do. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Consumer Loan (Installment loan) with Texan Financial Services Inc (TX).
Issue: Problems when you are unable to pay

Complaint: I am currently participating in debt consolidation due to inability to pay my debts. This company calls multiple times daily, they call my family friends and work. They are also threatening arrest.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (I do not know) with Midwest Recovery Systems (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Just popped up on my credit report. Nothing has come in the mail no identify information

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Banks tell me I have home morgages open when I have never bought a house.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Using a debit or ATM card

Complaint: Suntrust Bank charged me {$95.00} for a debit card that was cancelled and replaced and which they had previously agreed would not be charged for. After discussions with both local bank staff and their XXXX headquarters customer service, they still charged for a service that had been discontinued. This is typical of the fee driven banking practices of Suntrust and their poor oversight and controls. 

Consumers need to be aware and alert to extra charges slipped into accounts in hopes no one would catch them. The bank obviously has serious ethical and management issues and should not be trusted to treat customers with respect and integrity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/15/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I tried to open an account on XXXX in which I needed to sync my bank account with the site. 
I tried and received an error, stating that I should call my bank because they were blocking access. 
I called TD Bank and they said they will not allow me to grant access of my account to any 3rd party. 

I do not understand this as it is my account, which I should be able allow who can view my info.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit determination

Complaint: Syncrony bank allowed fraudulent credit accounts to be created in my name a GAP, JCpenny, TJMax, and Walmart.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I am a XXXX XXXX who spent this past semester studying abroad in XXXX. Before leaving to study abroad, a Bank of America representative suggested that we add my mom 's name to my savings account, so that she would be able to make deposits and any other actions on my behalf while I was out of the country. My entire life 's savings and a portion of my Federal Student Loan ended up being swept from my account and Bank of America put me in jeopardy of not being able to stay abroad and complete my semester. <P/>On XXXX XXXX, 2017, {$6000.00} was swept from my savings account with a description of " DEBIT FOR CHARGED OFF ACCOUNT XXXX XXXX. '' I called Bank of America and learned that the charge was made in order to pay my mom 's 2nd mortgage. I have tried calling multiple times from XXXX XXXX and each time, the representative on the phone either placed me on hold indefinitely, said they could not help, or said that my mom would have to call the mortgage loan line and get it resolved on her end. My mom never even ended up using our savings account, and never knew the routing number. The {$6000.00} purely belonged to me and her name was only added because of the recommendation from the BofA agent. We had no idea that there was any risk of the money being taken, and my mom was n't even aware that her name was on the 2nd mortgage which was taken out 10 years ago by my father. <P/>In general, the representatives I called were very sympathetic to my situation and would have like to help, but they could do nothing due to the policies put into place by Bank of America 's executives that allow them to take the life 's savings of a XXXX XXXXt without any regard to the circumstances. Due to Bank of America 's actions, I was in serious jeopardy of not being able to stay in XXXX and finish the semester. I had to borrow money from friends to be able to meet basic needs such as food and school supplies. I implore Bank of America to consider the morality and ethics of their practice and to make right of the dire situation that put my XXXX XXXX at risk.

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 04/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is a collection agency and they added an item to my credit illegally. By law they have to notify me of the debt and allow me 30 days to dispute it. I was never notified of this debt, nor given a chance to dispute it. This debt is not valid as I was living in an apartment unit that was not safe to live in and had to move. Shortly after I moved, the units floor collapsed and rendered the property condemned. Since this company failed to notify me of the debt in a timely manner and failed to allow me to dispute it, I can not rent with any other landlords. Them adding this to my credit illegally has affected my ability to get a place to live. The landlord was given proper notices and opportunities to fix the unit I lived in but failed to do so. I legally vacated the unit and there should have been no further charges or debts. If this company would have notified me of the debt, I would have showed all the proper evidence to justify my moving out, therefore it would have never appeared on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax has continued to report a judgment on my credit despite providing proof that it should not be reporting on my credit file. This has been disputed several times and was removed from my file but reinserted several months later. I have recovered documents from my complaint against XXXX XXXX with the Maryland XXXX admitting that they agreed to completely absolve me of the debt, vacate judgment, cease credit reporting of the debt and stop harassment in exchange for {$3000.00}. I explained this to Equifax numerous times and they have continued to report this judgment even after being provided proof of me being released from liability and connection with the loan and judgment. The loan was joint and collections are currently against the other party and not me. There is a clear statement from the creditor admitting they did not save the written proof but verbally agreed to exonerate me of any and all reporting and collecting including the judgment. There is now written proof of agreement. 

Equifax is also reporting the erroneously entered collection account ( XXXX XXXX XXXX XXXX XXXX ) as a revolving account and it is updating as 30 days late every month. Why exactly is a wrongfully entered collection account reporting every as a 30 day late revolving account?

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Wrong amount charged or received

Complaint: On XX/XX/2018 I transferred XXXX Bitcoins to my Coinbase bitcoin wallet with the intention of exchanging it for USD. Within approx 1-2 hours my Coinbase account showed the transaction as complete, receiving XXXX BTC with approximate value of {$4100.00}. However, the money was never added to my bitcoin wallet and the balance remains XXXX. I had successful transfers to my account before this. I double-checked everything is correct, and my Coinbase account history clearly shows the transaction, I just never received the bitcoins. 

I filed an issue with Coinbase support on XX/XX/XXXX, followed up on an automated reply from them on XX/XX/XXXX, and called them on XX/XX/XXXX. On the phone call, the support person looked at my account and said that it did indeed look like an error on their part and that they would elevate the case for a specialist to look into it. I have not received any replies from Coinbase since, and my messages to their support system have gone completely unanswered. The bitcoins have still not been credited to my account. 

I have complete documentation including screenshots showing all transactions and wallet addresses, a download of my complete Coinbase transaction history, and all communications with their support team.

It has been 8 weeks since their mistake with zero action from Coinbase, which lead me to believe they have no intention of ever resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX opened account under my name with no consent and send to collection. Collection Agency is going damage my credit. Tenants never open account on XXXX XXXX and after two years and half XXXX XXXX found it and do not prosecute the person who used the service. I went to XXXX XXXX office in XXXX XXXX and they asked me to give proof with leases. I gave them leases and evictions. The clerk took copies and said we contact you. Yesterday i received the collection letter. I will not pay services i never used also XXXX XXXX did not send the interruption service timely to avoid this. Please helpme to stop this abuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Forbearance / Workout plans

Complaint: I made an arrangement with American Express to pay down my balance over time, rather than allow my credit card account to become delinquent. They set up a payment plan for me, which I have kept current, and they have been telling the credit reporting agencies that my account is past due. Currently, the notification is that my account is 120 days overdue, even though I am current on the agreed-upon payment schedule which they set up for me. American Express is destroying my credit rating even though we made an agreement for me to pay down my balance over time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Medical) with Radius Global Solutions LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Central Credit Services is currently misrepresenting themselves as owners of a debt where the original creditor was XXXX XXXX XXXX XXXX XXXX. I have not received any verification that they own the debt nor did I receive a letter from them providing me notice providing me with 30 days to dispute the validity of the debt. I came to the knowledge of this misinformation when I requested a copy of my XXXX credit report. In addition, the date of delinquency is inaccurate as the account began delinquent in 2011 and the original balance is inaccurate as the debt was {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from Central Credit Services indicating that they are in possession of this debt. Further, the Fair Credit Reporting Act ( FCRA ) states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act ( FDCPA ) states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which Central Credit Services is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (GU).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am currently XXXX and have an issue with XXXX XXXX. My spouse had a family plan with XXXX XXXX that we were unable to keep due to transferring XXXX. In XXXX, they do not have XXXX XXXX service. So, my spouse spoke to both representatives on the phone and in store from XXXX XXXX. We presented them with our Change of XXXX letter that stated we were moving from XXXX to XXXX. The employee my wife spoke to over the phone assured her that our account would be closed out with no outstanding debt. His information is as follows : XXXX XXXX Employee ID # XXXX. Her conversation lasted around 3 hours on the phone and she was assured that there was absolutely no outstanding balance and that we were good to go for our transition to XXXX. We have tried since to resolve the issue again with XXXX XXXX, but they have gone back on their original terms and now say that we owe them {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AmeriCollect (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Contract does not exist between myself and debt collection company. Debt is not mine.

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