milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2017 about Checking or savings account (Checking account) with Comerica (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/17, I noticed that was debit card was compromised. I immediately called Comerica and cancelled my card. The next day ( Monday ) I went to the bank to file a dispute. I was then told that if the dispute was approved I would receive my funds back within 10 businesses days. I also asked what am I to do seeing that all my money was compromised. They apologized and told me that I would have to wait. In the meantime the fees are rising. {$1400.00} was taken out of my account via ATM. XXXX ( Comerica ) starred to me, are you sure you did not give someone else your card? I also spoke with another customer there and he stated it happened to him as well. I feel Comerica knows about the breach and still does nothing. 

I 've received a call from XXXX with card services informing me that if I had applied for Comerica 's credit card I would have money available to me. She told me that she could not help and suggested that I wait on the dispute to be settled in 10 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: the 3rd party collection agency refused to send me a 30day notice and continue to harrass and call me every other day without ever sending me proof or a letter ever to dispute the bill. I had to look up the company to send out a letter to them and they still continue to harrass and ask me for money saying the account belong to me cause they sent a copy of 2004 statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: I  'm trying to get the  XXXX  form for 2016 and I ca n't get anyone to fax nor email ( thru encryption ) ... .... They wo n't sent it to me and I need it today.

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 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CONTRACT CALLERS INC. HAS BEEN OPERATING IN ILLINOIS WITHOUT A VALID BUSINESS LICENSE SINCE XX/XX/XXXX. THEIR LICENSE EXPIRED ON XX/XX/XXXX. THERE ALSO APPEARS TO BE A GAP BETWEEN XX/XX/XXXX AND XX/XX/XXXX AND THEY HAVE BEEN ACTIVELY COLLECTING DEBTS WITHOUT A LICENSE. 

RE : Illinois Department of Financial and Professional Regulation

Company response to consumer: Closed
Consumer complaint received 11-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: This is my SECOND COMPLAINT. I received no response to the original.
My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it.
I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it.
This would be a very good issue to publish as it details the problems with information getting mixed up on family files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (VA).
Issue: Making/receiving payments, sending money

Complaint: I sold a product on eBay that was fully described as " for parts, not working '' at least four times. The specific defect was the XXXX. The buyer made a complaint to eBay that the XXXX was not functional and wanted to return the product. I declined. eBay made a determination that I had misrepresented the condition of the item as I included the phrase " BAD XXXX. Apart from this, the calculator appears to be fully functional and is in good condition ''. eBay asserts that i misled the buyer even though the buyers sole complaint is the XXXX is non-functional. 

eBay chose to decide in the buyer 's favor even though they did not give me an opportunity to provide evidence to contest the buyers multiple false claims. 

And this is where I would ask the the CPB investigate. PayPal debited my account {$19.00} without any knowledge of the claim submitted by the buyer. I content that PayPal does not have the authority to debit my account with giving me a full opportunity to present my case that the funds not be debited much as they would do in a typical merchant dispute

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been contacted numerous times by IQ Data International , Inc., a debt collection firm ( " IQ Data '' ), concerning a purported debt that I have no legal liability or responsibility for whatsoever. IQ Data is unlawfully attempting to collect a debt from me that I do not owe in violation of the Fair Debt Collection Practices Act. IQ Data has also wrongfully reported negative credit information to the credit reporting bureaus in violation of the Fair Credit Reporting Act. In an effort to remedy the negative impact to my credit report, I have explored simply paying some amount to make IQ Data remove the negative credit bureau reporting, but any payment by me would be nothing more than an extortion payment to IQ Data as I simply do not owe the purported debt upon which IQ Data is attempting to collect. 

The purported debt that IQ Data is attempting to collect arises out of a contractual landlord/tenant lease dispute where the underlying lease is governed by New York state law. I have fully satisfied my obligations under the lease and do not owe any amounts to the original creditor or to IQ Data. Under New York landlord/tenant law and the express terms of the underlying lease contract, neither the original creditor nor IQ Data is entitled to collect any amounts from me as I have fully satisfied my obligations under the lease. To the extent any portion of the purported debt exists, such debt is owed by a certain XXXX XXXX XXXX as the attached " Move Out Statement '' from the original creditor clearly indicates. 

I respectfully request that the CFPB investigate this matter, as well as IQ Data 's  business practices, as I believe my situation is not unique and that debt collection agencies are routinely attempting to unlawfully collect purported debts that are not liquidated debts, but are instead disputed amounts under residential landlord/tenant lease contracts where the landlord is wrongfully attempting to collect amounts that are not due under the terms of the lease or that violate state landlord/tenant laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (FHA mortgage) with AMERICAN FINANCIAL NETWORK INC. (OH).
Issue: Closing on a mortgage

Complaint: I am a real estate agent and our buyers were pre-approved through American Financial Network , Inc. We went into contract on a home on XXXX XXXX and I kept in touch with the lender throughout the process to ensure a timely closing by XXXX XXXX. When I checked on the loan the lender admitted to starting the loan process late and then had a few tax lien conditions to work through. We were told that the underwriters were based in California and were not very responsive to the lenders. The lenders, in turn, were slow to contact us and often required multiple calls, emails, and texts to check in on the loan process. We had to extend the contract two times to try to close by XXXX XXXX. We were finally given the clear to close on XXXX XXXX and we scheduled the closing for XXXX XXXX at XXXX. We officially closed today, XXXX XXXX at XXXX. At XXXX, we received a call from the lender that the loan would not fund because the person who issues the funds found out today that one of our clients had lost their job on XXXX XXXX and would receive severance pay for 1 year ( not the the 3 required for FHA loans ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alorica 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, 2017, I sent a letter to Global Receivables asking them to validate I owe to them in the amount of {$160.00}. I requested that they send me something bearing my signature to support this supposed debt in which I owe them ( Global Receivables ). <P/>They sent me a reply on XXXX XXXX, 2017 along with a copy of my account with the original provider which shows which procedures were performed, the codes associated with them, and the cost of them. <P/>On XXXX XXXX, 2017 I sent them another letter explaining that they have failed in validating that this account belongs to them. I also informed them since they had sent me a copy of my account with the original provider which lists the procedures I had done, was in direct violation of the HIPAA laws, and requested them to provide me with any viable documentation, bearing my signature, that I owe them {$160.00}. <P/>They have not responded to my last letter, which they received on XXXX XXXX, 2017

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 08/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion has my birthday wrong. 
And, I have a new employer that I would like added on. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Bank account or service (Other bank product/service) with KEYCORP (MI).
Issue: Account opening, closing, or management

Complaint: I began receiving emails from KeyBank in XX/XX/XXXX of this year. I do not have an account with KeyBank nor have I ever heard of them. 
In the email, it stated, " Your Account Has Been Accessed From An Unauthorized Location. Your Online Account Needs Verification Ensure to comlete the verification process correctly to avoid a permanent block on your account. For security reasons imcomplete profiles will be blocked indefinitely ''. 
This was followed by a link to sign into online banking. I did not click on the link but there was a toll free customer service number, XXXX, which I called XX/XX/2017. The system was automated and I was told to enter either an account number, debit card number, or a social security number which I did not do. Once I was able to speak with a representative I was told to disregard the email and throw any mail away. I again explained how it came to me via email and I did not want my email associated with any account with KeyBank. She asked for my email address and name. I provided this information to her. She did not ask for any other contact information. I was told my concern would be escalated but in the meantime not to reply to any email or click on any link in emails received. She also stated they were having issues with fishing emails. 
I have not received any communication from KeyBank since this date. I need to be sure this was taken care of. This is the second of three different companies I 've received emails from concerning a bank account I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: When I go in to make a payment on  XXXX  their chip was not working they told me I do n't have the fun in my other bank I ask the bank manger to call of to credit union, he call they said the fun was available we try again Wells Fargo bank my card will not clear, I went over to Credit union to get cash for payment Wells Fargo why is fun not clear, she said Wells Fargo not show up in system walk in a mouth later Wells Fargo, I was told their having problems with card chip and this was going on for pass 6 mouth. I 'm one payment late so I started make extra payment of  XXXX  but I notice when receipt print out it show   XXXX   my payment is  XXXX  I ask if the payment is toward aback payment why cant it say on the receipt, because you charge a late fee every mouth   XXXX   because I retire   XXXX   an I make a payment on   XXXX   each mouth my concern is the extra  XXXX  turn into service charge. in   XXXX   I walk in Wells Fargo to make a payment I told by the bank their do n't have enough room to make Two payment I call Well Fargo mortgage what do, no response I receive a call from Well Fargo mortgage say you do n't have to make a extra payment of   XXXX   keep until you get  XXXX . this is getting out of control I need help

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 04-09-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Someone has fraudulently opened an account using my details and all three credit bureau agency are still reporting this charge when its not mine. 
I have called all credit agency XXXX XXXX and XXXX but they arent assisting me at all. 

Name and address of the account in collections is XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Amount is {$300.00} When I called the credit agency they ask me if I have been to this place and state I clearly tell them I have never been out of New York and not have this account out of New York.

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 09/21/2015 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: On Friday, XXXX XXXX, 2015, at XXXX, I was on the phone with USAA Bill Pay Department speaking with a representative by the name of XXXX. When I filed for bankruptcy, USAA shut down all access to their website and services and only allowed me the ability to access to my account via mobile application. I was calling to see if it was possible to regain access to by Bill Pay so I could pay my bills again. 

XXXX stated the restrictions were put into place because I had a credit card which was included in the bankruptcy. She will transfer to the credit card department to pay my bill and then the restrictions will be removed. When I said excuse me, she against stated that when I my credit card debt, the restrictions against my bank accounts will be lifted and I can become a " normal '' customer again. I informed her what she stated to me was very illegal ; that the debt was discharged in a BK and she can not collect on a debt that was involved in a BK and she can not promise me things that will not happen. I then asked if the phone calls are being recorded and she stammered out a few answers before I was able to be transferred. 

I was eventually transferred to an Executive Resolution Specialist, advised the Rep was in violation of the BK discharge and FCDPA ( false/misleading representation/unfair practices by stating restrictions would be removed when they would not, did not notify me they were collecting a debt and trying to collect a BK discharged debt ). The executive resolution specialist first asked what I was looking for in compensation, which I stated I was only trying to determine if the restrictions could be removed from my bank accounts. The Specialist informed me the restrictions on the bank account could be removed if the BK had been discharged, which had been in XX/XX/2015. After XXXX mins on the phone, I was advised the restrictions would NOT be removed and even though the debt was discharged in a BK and XXXX committed violations against FDCPA, they were sorry for her behavior. Prior to this statement, which resulted in my stating I would file a report with the CFPB and contact my BK attorney, I was advised all calls were recorded, was questioned as to why I wanted to know that information and what would the information be used for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My dept is now in collections to another agency which means it was paid in exchanged. I no longer have obligation to pay this dept once it is paid off. Now I just have a agency harassing me to pay them instead when I did not sign a contract with them.

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 05-04-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Good morning, just a minor error. On my report it says that I 'm unemployed, but that is not the case. I 've been at my job for a total of eight years hired back in 2008 till present. Same place of employment XXXX in XXXX Nj. Please respond to this issue. Enjoy the rest of your day and have a safe weekend.. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I sent a wire transfer amount of {$8500.00} dollars on XX/XX/2017. Now it has been 3 days, the fund is still not available. The company, Coinbase Inc has promised on their website and with email that the fund will be available within 1 business day same as any other wire transferred funds.
But now they do n't even reply to my emails anymore. After promising to get the problem fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: i have a checking account with bank of america, in My i was hit on my account ( fraud ) for {$700.00}, comanies i never heard about, talkin to my bank clain agent she said yes they are fraud and credetit me with XXXX Thern i got a new debit card and account #, thought i was safe until the beginning of this month. I receive XX/XX/XXXX checks on the XXXX each month, this month i receive it on th XXXX. What ido is pay ALL my bills, even ahead of time except my mortgage, which is done electronically on XXXX. I was hit with fraud on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. for about {$1200.00}. I called the bank and started a clainm, it was denied, they said it dint follow a scammers pattern, so here i an with XXXX tomy name for a month, i have lupus and very serious pain from XXXX that XXXX dr 's can not diagnosis me, this is goin on 2 years. I went to see my branch mgr abd she helped with with a XXXX clain, i have the charges belowXXXX on XX/XX/XXXX for XXXX prepaid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX other XXXX was ther but i know they didnt pay it, i believe it was around XXXX i was making my claim i told the woman that i called these companies and they said i didnt even have an acount with them ... .I called next day to fraud mgr, who told me it was denied, i pleaded and told him im broke, he didnt care, i then opened another dispute claim, havent received papers yet, but i asked th mgr if i couldtalk to the investigators and tell them all i tried to do. They openened a hardhip case and that was denied, i am in pain 12 hours a day until i go to sleep, wake up and pains there, i asked the mgr if i could tak to them and he said no, the case is closed. I found you and i do believe ill be able to have a hearing or someway i could talk face to face ... With all this info i cant see how they turned me down. and most messed thing is they PAID all these companies on XX/XX/XXXX!!!!!!! leavin my mortgage there, next month ill be a month behind, Please help me, all this is the truth..If they pulled my other bill payin they would see my patterm and why would i wipe out my account ... .Thank you : )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief