milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2017 about Debt collection (Medical) with Alorica Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The medical debt Global Receivables Solutions, Inc. is trying to collect from me is from XX/XX/XXXX and XX/XX/XXXX. At that time I was married and the grantor was my ex-husband. I was under the impression that this debt was paid in full. Global Receivables Solutions, Inc, first contacted me via letter XX/XX/XXXX. I requested proof of debt and received proof XX/XX/XXXX. 

I agreed to pay {$30.00} monthly XX/XX/XXXX to put a stop to the harassing phone calls. The first payment was made on XX/XX/XXXX. 

According to our filed divorce agreement, my ex-husband is responsible for all debt accumulated during our marriage. 

Since the divorce has been filed with the courts and the courts acknowledge that my ex-husband is responsible for this debt, Global Receivables Solutions, Inc. needs to cease the harassing and inaccurate demand letters. 

Global Receivables Solutions, Inc. 's collections practices are illegal. They do not have the right to make up false agreements or reports and then report false agreements and negative reports with credit agencies just because they purchased the debt from XXXX XXXX Hospital. 

Global Receivables Solutions, Inc. has been sending letters stating that a payment was setup in the amount of {$500.00} due by XX/XX/XXXX. This is false. A payment plan in the amount of {$30.00} monthly was established. I have contacted them and they stated that they would correct the issue. Today I received a notice stating I owed them {$1600.00} due to the fact that they did not receive agreed payment. Another false letter. 

I have been treated badly by several representatives from this agency, ranging in severity from rude to downright hateful. Both their poor treatment of people who try to cooperate with them and their unethical collections practices led me to filing this report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Bank account or service (Other bank product/service) with KEYCORP (NY).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2016, I began my annual XXXX shopping. I started by going to a Key Bank ATM and withdrawing {$400.00}, then went to a department store where I purchased slightly under {$200.00} worth of merchandise using my debit/ATM card. Following the same pattern I use nearly every year, I then went to a discount big box store and selected a couple of items, as well as XXXX gift cards worth {$300.00} each. Although I have done this every year for the past XXXX to XXXX years, using either the same debit card or a Key Bank credit card, the debit card was declined with the message that I should contact the issuing bank. I had more then XXXX times the amount of the charge in my account. I completed the purchase using my Key Bank credit card without any difficulty. 

When I returned home and called the issuing bank, using the customer service number on the back of the card, the automated system refused to recognize that such a card existed. Not only had Key Bank declined the purchase ; it had effectively canceled the card entirely, so much so that I was not permitted to talk to customer service. 

When I finally received a voice mail message from the fraud department of Key Bank, the message said to call back and gave me a reference number. I made the call, only to discover that the fraud department does not take calls and that the reference number was of no use to the customer service department to which the call was automatically forwarded. In other words, Key Bank had constructed a system which prevented me from using my own funds, completely blocked the card I had just used twice successfully, gave me a fake reference number and forced me to deal with someone who could provide only formulaic responses to my questions. 

The claim the customer service department made was that the purchase was blocked because it was an " unusual '' transaction. That was not true. As noted, I make the same kind of purchase every year using Key Bank cards, so Key Bank had the information it needed to know that the purchase was quite normal. In fact, it approved the credit card purchase, despite the fact that I use the credit card almost exclusively for online purchases, which this was not. Nor have I received any communication from the Key Bank fraud department about the credit card purchase, even after the fact. 

In addition, the customer service department informed me that my daily limit on the debit card is {$10000.00}. That is patently untrue ; it is inconceivable that one could make sufficient purchases to equal that amount when any large purchase is denied. 

In sum, Key Bank has constructed a system which denies me access to my own funds at the time I need those funds. The bank seems to believe that it has more right to my money than I do.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Credit determination

Complaint: On XX/XX/2016 American Express placed an inquiry on both my XXXX and XXXX credit report which I did not authorize. The American Express Website contains a page ( https : XXXX ) where they claim you are able to " See if we Have Any Pre-Qualified Offers for You Find out in less than a minute without affecting your credit score '' However, when I completed this information it resulted in hard inquiry on which reduced my credit score by 9 points. I called to complain about the situation but was treated very rudely by " New Applications Manager '' in XXXX ( XXXX ). She told me there was nothing that could be done and when I asked her how I could complain to the company CEO she told me to " google it ''. I am shocked at the lack of customer service when an obvious error has been made on the part of American Express. I would like all inquires on XX/XX/2016 removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: When checking my accounts online today found that payment for my son 's student loans through XXXX was being drawn from the wrong account. At which time I called aes to channge account number to proper account, I was told that I needed to fil out a new direct debit application. I offered to give info over the phone and they refused to change the information. When I asked for a copy of the original document they refused to send me XXXX stating it was against their policies. We never received any. Confirmation of direct debit being set up or the correction could have been made sooner. Their only answer was to fill out a new application. They refused to take any account info over the phone. However they accepted a payment with same info last week with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I have a bill from Macys that I am late on. The office sure collection department told me the XXXX due is a combination of XXXX ( the past due amount ), XXXX ( late fee ). Leaving XXXX unaccounted for. No one could tell me what the XXXX is for. When I got a supervisor when I asked for one - he supposedly put me on hold to find out and hung up on me. I want to know what the XXXX is for?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX mixed up my account with another XXXX XXXX living in XXXX who was seeking debt relief. They turned my account over to collections XXXX. My credit card account with XXXX was among the accounts that was entered into the debt settlement agreement with XXXX XXXX XXXX XXXX. The last XXXX digits of his Social Security number is XXXX and my last XXXX digits are XXXX. After numerous attempts to have XXXX take care of this, I finally filed a complaint with the Consumer Protection Bureau. XXXX responded to the complaint last week. I am attaching my letter to the Consumer Protection Bureau along with XXXX letter to me. They have indicated in their letter they have requested the credit reporting agencies to delete any delinquencies related to this issue. I want to be sure this is being taken care of as this has been going on for XXXX months and I need my credit restored ASAP. This has created an undue hardship on me and my family. My daughter is in need of a loan and needs me as a cosigner. I need to do this for her as soon as possible. Also I was not able to take advantage of a sales promotion on a car due to my credit score now being in the XXXX as opposed to the XXXX where it was at before this incident. Please let me know this matter has been taken care of and my credit has been restored. My daughter is in need of this loan. This has been going on for XXXX months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2015 about Debt collection (Payday loan) with Wakpamni Lake Community Corporation (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have now by email XXXX times asked that they stop contacting me at my office number as I am not in a private environment AND my voice mail is not private. The most recent call was XXXX minutes ago. This is becoming abusive. Each time I have advised them that it is against the FDCA for them to call after I have asked them to stop but they continue. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX XXXX accounts on credit report that is not mines and I have attached a letter from bank asking for them to be removed.

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 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Mark A. Kirkorsky, PC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX XXXX called me yesterday at work regarding a debt of my husbands from 5 years ago. I asked him not to call me at work and to call my husband. He said he was n't able to get ahold of my husband, so he had no choice but to call me at work. I asked him never to call my work again and he told me this is n't a friendly consumer debt so he can call me whenever and wherever he needed to until this matter was settled. I again asked him not to call my work and he said he would stop calling me when he got ahold of my husband. He called my husband today and asked him for payment, which my husband said he could n't do right now. He then called my work again and said unfortunately things did not go well with my husband, so he has to start calling my work again. I feel threatened and he refuses to stop calling me at work. I can not block the call and he said there are XXXX attorneys in his office and they are n't going to care if I complain on him. He said he will not stop calling me at work because he needs to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2017 my checking account was fraudulently charged XXXX by USPS. Upon learning of the transaction I immediately called and disputed the charge. The transaction was used to purchase a money order that I myself did not purchase. Chase refunded the charge and submitted a claim for fraud. A week later the funds were taken out of my account again. I contacted Chase and was informed that my claim had been rejected so the funds had been reversed. They stated that because it was a PIN based transaction they could not move forward with the claim because I had no proof that I did n't make the transaction. I stated multiple times that I did not make the purchase, I did not give my card to anyone, and no one knows my pin. I called several times after that to ask for information regarding transactions on my account. During my own investigation I was told by a member of the fraud team that there was a non chase ATM balance inquiry made on XX/XX/XXXX, the day before the USPS charge, at an ATM in XXXX WA at XXXX XXXX. I never go to Non Chase ATMs so I found this suspicious. My previous transaction that day occurred at XXXX XXXX at the Oregon XXXX. I was in fact at the Oregon XXXX on X/X/17. I have Pictures to prove that. XXXX WA is 3 hours XXXX of XXXX Oregon, where the Oregon XXXX is located. I explained this all to the fraud team in the effort to get the to understand that there was clearly a duplicate of my card out there and they had my pin. I could not have made purchases at the Oregon XXXX in XXXX Oregon and then traveled 3 hours north, in just an hour, to make a balance inquiry at a Non Chase ATM in XXXX WA. My claim was reopened. Today my claim was again rejected. I 've spoken to many senior supervisors at the fraud department of Chase and they have no intention of returning my fraudulent funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Payments have been recently misapplied. Whole payment amount is being applied toward interest only & I am not on any type of workout plan. Everytime I call Navient 's customer service they advise its because of the interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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 contacted Transunion about some incorrect, inaccurate, and fraudalent data on my credit report and I also contacted the collection companies that are reporting the data and asked them for validatity of the debt which is required by federal law ( FCRA ). The collection agency did n't provide me with any information and it 's been over 30 days and I petitioned Transunion to delete the collection accounts and have n't gotten any justice! I want this well documented with the CFPB so when I proceed to file a civil lawsuit against the agency my greivances are documented that I went through the proper channels and I 've tried to settle this before proceeding any legal action. If the collection agency ca n't provide me with documentation, how are they proving anything to Transunion. The collection agencies are  XXXX  accts with  XXXX  for {$600.00} and {$770.00} and a rent debt account for {$300.00} that was settled in court and they sided with me. And a   XXXX   XXXX   for {$600.00}.   I 've filed a police report for ID theft and a report with the federal trade commission as well.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My Chapter XXXX BK has been discharged. I also have multiple Hard inquiries I have requested to be removed multiple times that are still there. XXXX makes it very hard to dispute them. XXXX has BK as DISCHARGED but has XXXX Hard inquires, XXXX has XXXX inquires, Equifax has XXXX. That is a big difference. Also XXXX reports as XXXX late pays when that is impossible during CHapter XXXX. XXXX XXXX is showing 1 30 day late on all and that should be removed as well. The balance is also XXXX not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: CITI closed my Home Depot credit card without prior warning. The account was in good standing, payments were set on autopay. I 'd been a loyal customer for many years. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.

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 06-06-2017 about Vehicle loan or lease (Lease) with U.S. BANCORP (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: This complaint is about US Banks end of lease maturity services. Once our car lease was ending we were transferred from US Bank Financial to their End of Lease Program to coordinate returning our vehicle XXXX XXXX 2017. The End of Lease program coordinated an inspection by a 3rd company which we completed on XXXX XXXX. The services provided by this party were fine. <P/>The issue at hand with US Bank was when I wanted to return the vehicle. They said return it directly to the dealer where we leased ( they went bankrupt and closed ) the vehicle. As this was not an  option they said they would pick it up which we confirmed via phone on XXXX XXXX. They said the car would be picked up in 7 to 10 days. Unfortunately I had to call again on XXXX XXXX - they said they had an error in their system and it would be another 7 - 10 days. I called again on XXXX XXXX and was told they would pick it up on XXXX XXXX. I called again on XXXX XXXX and they confirmed they would get it on XXXX XXXX. <P/>As a result of US Banks transferring between departments they try to confuse the consumer and cause incremental charges. We received an additional bill for two lease payments for the time we were waiting for them to pick the car up which we are disputing and want assistance with. This is awful behavior from this institution.

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 05/17/2015 about Credit card () with JPMORGAN CHASE & CO. (ME).
Issue: Delinquent account

Complaint: I opened a CC with Chase - Slate. I activated the card by transferring XXXX to the card. I live out of the country part of the year and have someone handle my accounts when gone. After being out of the country for XXXX weeks I returned and found that we had not received my first statement from Chase. I immediately contacted them explaining the situation, they indicated that they would send me a duplicate statement. I received this statement and made the required payment. Since that date i have received my statements without trouble. However I recently reviewed my credit report and Chase has me as not making these XXXX XXXX payment which has significantly lowered my credit rating. The Chase account now has a zero balance and they tell me that in that they did not get the statement returned to them by the XXXX they can not do anything about the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: HI, My name is XXXX XXXX I pulled my credit profile only to discover that the bureaus is reporting inaccurate information on my credit report. I have inform them that I 've been a victim of identify theft. On my credit profile it list that my Date Of Birth XX/XX/XXXX, when my Date Of Birth is XX/XX/XXXX. I have submit several dispute on the behalf and yet they still reporting these anonymous accounts listed below : XXXX XXXX XXXX Balance {$560.00} Medical XXXX Balance {$350.00} XXXX XXXX XXXX Balance {$760.00} please update and remove all items listed above

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 12/19/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern- I received a letter from SLS indicating that they are the new servicer for my mortgage, however I did not receive a letter from XXXX XXXX Loans, the current servicer. I have been going back and forth with XXXX in getting a loan modification. They have been giving us the run around and now this. How can I get some assistance. XXXX did not even have the original note and now this new servicer does not have the note. 

Thank you. 
XXXX and XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have no clue to where this collection came from I never had XXXX ever in my life nore did I ever sign up for XXXX and I want this off of my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/15/2015 about Debt collection (Payday loan) with Specified Credit Association, Inc. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am repeatedly being called while at work, and we are not allowed to take these kinds of calls on the clock or at work in general. I told the gentleman I was speaking to that I could not accept his phone call at work and that he would have to contact my cell phone. I spoke with him on my cell phone about the issue and he keeps reeatedly calling my work after asking him to stop.

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