milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with ProCollect, Inc (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The verified information is from a third party. This company is verifying a signed application with another company. This should be removed from my credit because I do n't owe your company anything. I did not sign a contract with millennium financial if you can provide me a signed contract that I signed with your company I will not continue with these dispute efforts. I have not elected to hold a contract with your company, and have no obligation of payment with your office. I am responding to your contact about collecting a debt. I would like for your company to provide me with competent evidence that I have a legal obligation to pay you. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec. 809 ( B ) that your claim is disputed and validation is requested. this is not a request for verification, or proof of a mailing address, but a request for validation in pursuant to the above named title and section.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit card () with SYNCHRONY FINANCIAL (OR).
Issue: Credit line increase/decrease

Complaint: Synchrony Bank lowered my available credit on my Mens Warehouse credit card without notice. Went in to purchase some new clothing based on a promotion the Mens Warehouse was running if I used my Mens Warehouse credit card. I have always had over a XXXX limit. I purchased XXXX and ran my card it was denied. Store called Synchrony to find out what the issue was? After waiting over 10 minutes Synchrony ask to speak with me. I told them I always had over XXXX available, but had not used the card in over a year. It had a XXXX balance. Synchrony told me my new credit limit was XXXX. When I asked why they said because my account was flagged for review and my credit history from the credit reporting services was used to make their decision. My average credit score from the big XXXX have my credit score between XXXX-XXXX. 

Again no letter stating that they took this action before hand or any reason or information as to why they did this? 

In researching Synchrony Bank formerly GE Capital many people have the same stories. 

Is there any help you can provide me related to this matter? 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (I do not know) with Solidus Group LLC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: For a year I have been called about a debt by delaware solutions, but they do not disclose the debt they just call it check fraud sometimes it is XXXX or XXXX companies calling on the same debt in the same month, they say they are a legal dept but will be specific. They keep calling my place of employment even though they have been asked not to by me and the others in the office, I will loose my job they called my office XXXX on XXXX/XXXX/14. They use robo calls and threaten with jail and fines I have spoken with these debt collectors and requested they send me all the information on the original debt including my signature that says I agreed to such a contract, they then get irate and start yelling, I refuse to give them any of my personal information but they continue the call, they think because they have the last XXXX digits of my SS number that I will agree to pay them money, they threaten jail time and fines if I do not pay with in a few days, after I refuse the calls stop for a week or XXXX and start right back up. I have them blocked from my personal phone but they keep calling my work, they even called my brothers house phone I did n't even have that number. How they got it I do not know. I just want this to end a year of this harassment is more then anyone should have to endure. Attorney 's say they can not do anything because these companies change locations. You would think after a year they would know I am not giving them anything and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Other debt) with Southern Management Systems Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Southern Management Systems is currently attempting to collect a debt that I do not owe. My original contract with XXXX XXXX, was paid in full. Before Southern Management Systems obtained this " debt, '' I asked for validation from XXXX XXXX. I have NEVER RECEIVED VALIDATION that this debt is owed.

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 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Dear, XXXX hospital, debt collector and credit agencies ruin my credit record/financial record. I had a deductible health insurance in 2XX/XX/XXXX. We have XXXX kids and their primary doctors were from XXXX hospital. We never had issues in 9 years with them, all bill were paid and no obligatory record yet. In XX/XX/XXXX, we had couple emergency visits in XXXX XXXX Hospital and a few doctors follow up in XXXX. I had a total of {$2600.00} deductible/year. Out of that I paid {$1300.00} for my portion and {$1300.00} left in total for family. My son was recommended some therapies in XXXX hospital. The XXXX XXXX hospital used wrong medical code for billing and sent me tons of bills. I had contacted XXXX in their billing department several times and other later on. None of their people helped me. Then I reached to my insurance facilitator XXXX XXXX and that was finally resolved. Later on the primary health care unit of XXXX acquired by XXXX XXXX hospital. Then our nightmare starts. Newer management start to send several bills without processing through insurance company. I called several times but never worked to my case. I made some payments worrying about bad. At the end of XX/XX/XXXX, I got mails and calls from another fraudulent debt collector American Adjustment Bureau,  XXXX, CT to collect a {$750.00} & {$120.00} bills. I told them, the insurance records shows that amounts were paid out and asked them to find the reality and send me the final bill if I still owe. They did not do that. At the same time, I reached XXXX XXXX, a broker agency to XXXX who have similar unprofessional XXXX. They changed words and fake report several times. All these agencies put me in trouble and I did not know what was going on. At the begin of XX/XX/XXXX, the debt collector reported my debt to credit bureaus. Then, I called debt collector, hospital and XXXX XXXX why they did that. The XXXX XXXX told me they paid bill in my daughter instead of my sons account. I already cleared my daughter bills but, the XXXX hospital, CT took money from me and insurance. The Connecticut XXXX Hospital overpaid {$340.00} for XX/XX/XXXXand still tried to collect from me. I paid out the due in my son 's account per their final work. The hospital assured me to send the overpaid money back and correct the credit report. Both things never happen yet. I filed complain in Better Business Bureau, The XXXX & XXXX both show the records deleted from record however, my credit score is veered off and collection record is still there. I never got the money from the XXXX hospital that I overpaid, the XXXX hospital still trying to still me and the hospital along with American Adjustment Bureau ( debt collector ) destroys my credit record. It is a big fraud. I am a hardworking of XXXX little children and this fraud destroys family.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (GU).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 'm one of the 143 million affected by this massive data reach by Equifax. There really is no sure way of protecting yourself against something like this. There really is n't anything one can do to combat the effects and the actions of an incompetent organization like Equifax who does n't take seriously the security of its customers ' private information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Consumer Loan (Installment loan) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XXXX 2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I consolidated my loans and began a wage garnishment with my employer on XX/XX/XXXX. They are taking 25 % out of my check every week. 

About a month ago, my wife, daughters, son-in-law and father began getting phones. A company said they needed to talk to me about a " loan '' or a " legal matter. '' Then, on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, saying that my federal student loans are currently in default. ( I thought I only had one loan. ) I'll attach a copy of this letter. That XXXX has hired them to collect, due to my being in default. 

Then, on XX/XX/XXXX, I received a similar letter from XXXX, alleging the exact same thing. The interesting thing is that there is no phone number on this letter. No way to contact them, except to write. 

I'm also going to attach a copy of the XXXX XXXX from XXXX XXXX XXXX  XXXX, showing that I paid {$2800.00} in interest through wage garnishment. I notice that it references " c/o Navient Post Claim Assistance. '' So Navient is now servicing my loan. 

I don't understand how two different companies can contact me, claiming they are hired by XXXX to collect a debt that is NOT in default.

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 08-01-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted the holder of our mortgage, Bank of America, on XX/XX/XXXX to request that the PMI be removed. I had previously contacted them regarding the requirements to remove the PMI and was informed that the loan needed to be more than 5 years or older and the loan to value ratio must be less than 80 %. The house was purchased in XX/XX/XXXX, and is therefore more than 5 years, and the loan to value ration is less than 80 %. 

However, Bank of America is still declining to remove the PMI and is instead requesting an appraisal of the property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: transunion has reinserted wrong unverifiable information to my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 I opened a Citibank checking account ( Citigold ) under offer code XXXX. The promotion would credit my account with XXXX ThankYou Points ( redeemable for up to {$400.00} in gift cards ) if I " within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months ''. 

I have the promotion disclosure that shows the promotion is attached to my account. 

I made my first bill payment on XXXX/XXXX/2016 on a XXXX credit card. 

I made a second bill payment on XXXX/XXXX/2016 on a XXXX credit card. 

I contacted Citi customer service after I made the second bill payment in order to confirm that I had met the terms of the promotion. 

Citi customer service sends requests for status on promotions to another group which I can not communicate directly with and that group sends me electronic letters with the result of each inquiry. 

The first inquiry, XXXX, indicated that I was not eligible for the promotion but also seemed to reference an incorrect promotion ( XXXX that rewarded XXXX XXXX AAdvantage miles instead of Citi ThankYou Points ) so I called Citi customer service and submitted another inquiry. 

The second inquiry, XXXX, stated : " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I called Citi customer service a third time, indicating that I did receive this promotion and while I no longer have the original letter I do have the promotion disclosure indicating that the promotion code was attached to the account when I opened it. 

I received a third electronic letter from Citi client services ( XXXX ) again stating : " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I again called Citi on XXXX XXXX 2016. The customer service supervisor that I spoke to stated that even though I provided the promotional code it was their opinion that I was not targeted for the promotion and they would not honor the promotion. In addition, they refused to waive the fee for opening the CitiGold checking account. The supervisor stated that after the fee is charged I could call back and then Citi " may '' be able to waive the fee. 

It seems dishonest to allow me to open the account with the promotion code and after I fulfilled the terms of the promotion refuse to honor the terms of the promotion and refuse to guarantee me refunds for the fees associated with the 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 explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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: Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be  permanently removed from my credit report. 

I contacted transunion and they would not help me in this matter. Please assist in this matter.

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 07-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stephens and Michaels Associates, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Collection Company Name : Stephens Michaels & Assoc. 

Representative did not give her name until I asked, rep. never notified me call was attempt to collect debt, rep. never told me call was being recorded, rep. also claimed that there was supposed to be a pre-recorded message verifying all of those things before our call was connected ( implying auto-dialer ) but recording never happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have contacted the company LVNV Funding on  XXXX / XXXX /   2017  and contacted them numerous times up till  XXXX / XXXX / 2017  and have explained to numerous representatives that I have paid the company  XXXX  on  XXXX / XXXX / 2017  and stated I have a receipt paid of the balance owed and I was told by LVNV representative that they can not update their collection records with my receipt and they were not going to update this on my credit report I have contacted  XXXX  which stated they are going to transfer my debt payment to th e LVNV Funding deb t collector and I have not had any progress on a debt I fully paid as this still is affecting my credit in a way that banks think I still owe and I do not have a balance owed to  XXXX  and LVNV is still trying to make me pay a second payment to their company and does not want my receipts of full payment from  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Consumer Loan (Installment loan) with Colony Brands, Inc. (NC).
Issue: Shopping for a loan or lease

Complaint: HOME @ FIVE MADE A HARD INQUIRE ON MY CREDIT REPORT WITH OUT MY CONSENT

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, called Credit Collection Service s of  XXXX , MA is a debt collection company that continues to attempt collecting on debts I do not owe. It appears they are assigning me debts when they can not find the correct person, as they range from ambulance   rides ( paid   years ago by the insurance company ) and auto insurance that I either did n't have or prepaid in full for the term.     I called to ascertain the number of accounts in my name and for what they are for, including details, and I was denied any information. This is further evidence that the debts are not valid as they declined to give any information or details to me, the person they are attempting to collect from.     Please assist with this matter as I have made no headway.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: Coinbase is a fraud. They state on their website withdrawal timeline for wires as 1 business day. Upon making the withdrawal, I have received the email stating that the wire might be delayed 3 business days. 
I made the withdrawal request on XXXX XXXX, 2017 and still have not received my funds. Their customer service is a disaster! The wait to have my call answered was over 1.5 hours and then the representative was not able to provide me with any answers.

The only thing I have found out is that they have delays up to 3 business days. 
Well, it has been 6 days and the funds are still not available. This brings the question of Coinbase 's  liquidity situation and how they handle this type of problems. I 'm only trying to withdraw {$1500.00}. Imagine trying to withdraw 1mln .... 
If my funds are not delivered shortly, I will be taking legal action. 
I 'm most definitely closing my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have not received a statement by mail or email notifications from HH GREG store credit card since the company went out of business. When I contacted customer service they refused to look into the issue and when I asked to speak to a supervisor I was hung up on twice. One representative advised I would have to login to see statements however the website does not allow this per the attached screenshot

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 10/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My credit card was stolen in the month of XXXX and I open up a fraud Dispute on it and I noticed that capital one rebill me for XXXX XXXX for the amount of XXXX they said that XXXX has credited them but capitol one rebill me and holding me responsible for it and I should n't be paying for it and they would take it off my bill

Company response to consumer: Closed with explanation