AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This was an attempt to collect a debt for services that were never rendered. I was sitting in a dentist chair, had already been given anesthesia, and was asked to sign forms which I later found contained plans for work to be performed at future dates. I paid for the worked performed on the day I was there but was very unhappy with it so I never returned. When I began to receive bills for the anticipated work which was never performed I refused to pay. It would be like getting a bill from an auto mechanic for work he thinks he needs to do. The debt was turned over to collections so I paid it to avoid further damage to my credit. My credit report reflects the debt was satisfied but disputed, but remains on the report just the same. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Husband and I have entered into a contract to sell our home. We accepted an offer and relied on the information that the party was prequalified to purchase our home. The mortgage broker for the buyer did not perform due diligence and verify that they qualified for the loan prior to closing escrow. The day escrow was to close they found various red flags and now we stand to loose out on our deposit on the house we are trying to purchase. There must be remedies for this in regards to companies that prey on people and do not follow through. 

Company response: Company chooses not to provide a public response
Consumer complaint: purchased XXXX XXXX in XXXX from national auto finiance payed it off in XXXX and received the titles traded it in to XXXX XXXX XXXX texas XXXX in XXXX for a XXXX XXXX, I do not owe anything, if I did I would not have received my titles, please remove {$1000.00} off of my credit 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Citi Bank-Direct. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX XXXX ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not know about this debt. Does not show on my credit report. Telephone # provided on notice is only a recording of ads trying to sell me stuff. I want to know what this bill is about. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America has lost a transaction I made around XXXX/XXXX/2014. The transaction amount was for {$3000.00} loan made to another party. The parties name is XXXX XXXX XXXX XXXX account number XXXX his bank is XXXX XXXX. According to Bank of America this transaction never took place. I would like for Bank of America to tell how come my account mysteriously lost {$3000.00} around that time frame. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company popped up on my credit report out of the blue. They say I owe XXXX money which is impossible because I have been with XXXX for years and I would n't be able to continue service with an outstanding balance. I contacted XXXX and they have no record of the account. I attempted to get the account removed from my credit reports but they are saying the debt is valid. So if XXXX has no record and i am a current XXXX customer, and have been since 2008, how can i owe them money? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I believe that my banking account with bank of America has been comprised by identity theft. my cell phone along with my wallet and other papers was stolen a few months ago now which had access to my banking account. On My phone was a bank application, and confidential information stored throughout the phone, including the ability to conduct online options deposits and transactions. I have received adverse activity now and have Been flagged now by XXXX under fraudelent activity. My accounts with bank of America have been shut down. I contacted the bank first, but had no luck with recovery of information or help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried talking to them and explaining I Have XXXX and XXXX and I turned in all my cards the day of service. But they will not remove from my credit report and he keeps saying its not his problem and it needs to be paid in full asap. I ask him who the origonal debitor was and he just tells me the one on the credit report. He is not trying to help me in anyway. I tried to explain to him I was told that if I have XXXX and XXXX that he was not aloud to put that on my credit report cause I was never to be charged a bill and he just says well you was told wrong. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: We have a {$440000.00}, interest only, equity line loan with Bank Of America that will change from an interest only payment to an amortized payment starting XXXX 2015 after XXXX years. It is a XXXX year loan. The XXXX XXXX years are interest only. The next 15 years are amortized. This loan is in the XXXX position. Our XXXX is a XXXX year loan has under XXXX yrs left on it. Most of our mortgage payment for the XXXX now goes against our principle. Bank of America has sent us a letter stating that our loan will change XXXX 2015 and our monthly payment will be adjusted from {$1100.00} a month to {$3600.00} a month starting XXXX 2015. An amount we can not afford to pay. 
We went to go see XXXX XXXX, Mortgage Broker, at our local Bank of America office, at XXXX XXXX XXXX, XXXX, CA XXXX, XXXX on XXXX XXXX, 2015, to get our equity line refinanced or to streamline our XXXX loans. She informed us that Bank of America could not refinance our loan or streamline our loan ( both loans are with Bank Of America ) and suggested we contact their Modification Office. We have heard that getting your loan Modified rarely happens, is a terrible deal if you do get a Modification, they take months to get it done and hurts your credit. 
Our income to Mortgage percentage is way out of the acceptable range for a traditional refinance. Our credit rating is XXXX and we have not been late on a mortgage payment in XXXX years. 
My wife also works in the XXXX XXXX industry. 
With our good credit history and our ability to weather the economic down turn, I think there should be other options besides just your income to mortgage percentage:1. The fact that we have never been late for a mortgage payment in XXXX years. 
2. The fact that an independent businessman has ups and downs that span over years. The possible success in the future should be looked at. 
3. Our XXXX mortgage should not be jeopardized because we have to refinance our XXXX. 
Bank of America 's actions are going to force us to sell our house that we have lived in for XXXX years. We can not afford their new monthly payment. There is plenty of equity in our house to support a loan. On XXXX XXXX, 2015, XXXX XXXX at Bank of America estimated our home value at XXXX XXXX and XXXX estimate is XXXX XXXX. 
Can you help us with Bank Of America to refinance our equity line or extend our interest only payments for another XXXX years in order to keep our loan payment at it 's present rate so we can stay in our house. We have proven that we can successfully pay our mortgage. I feel this tactic of selling loans without fully explaining what happens after XXXX years is another scam by Bank Of America to extort more money out of the American people and to force families to sell their home even though they have a great payment record and plenty of equity. 
We have already shown these documents to XXXX XXXX at Bank of America just to receive a flat out no. 

Company response: Company chooses not to provide a public response
Consumer complaint: Both my husband and I have tried to order our credit report from the https : //www.annualcreditreport.com/XXXX website. Both attempts ended in an error or the report not being available. My request was for XXXX and my husbands was for Transunion. Please correct this problem so we can get copies of our reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of what is being called Synthetic Fraud ; where the perpetrator uses my Name and DOB but another SSN. These items are blended into my report and reporting on me. I 've been disputing this for over 3 years with Transunion and they finally were at the final phases of completing with the disputes until they ran Maintenance, which was to eliminate all the accounts with the different SSN but they added all the accounts that had been removed over the years with the dispute process. I 've called on several occasions to the Fraud department and they 're very rude and not helpful. They essentially want to start the dispute process over again rather than blocking these accounts from my credit profile. I am days away from a mortgage and because of their actions on XXXX/XXXX/2015 ; I am in jeopardy of being homeless next Wednesday XXXX/XXXX/2015 if these items are n't removed. I 've provided a police report, a copy of my SSN Card and I 'm still receiving no urgency to remove these items. This complaint is my last resort to force their hand to actually handle this situation manually and remove these items from my report. I 've verbally spoken to each of the creditors in question and provided documentation and validated these accounts are not mine but they move on their own timeline. Time is of the essence and I do n't feel I should be penalized for being a victim in this scenario. Pleas help 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX has lost a transaction on mine and I want an answer to the matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was evicted from my aprtment complex due to my rent going up and me not being able to afford it. I was getting assistance from XXXX company so that I could pay a portion of my rent. My apartments filed against me stating that I owed an amount of about XXXX. I was taken to court and there I filed a paper affadavit since I wasnt able to afford to pay that much. I was told to pay to the clerks office a set amt each time so that I could eventually pay off the debt. Each time that I made a payment I would get a receipt. When the time had come for my final hearing in court, my apartments stated that they sent me a letter and even called me to inform me of the court date. I received the letter of notification in the mail weeks later. I was eventually put out of my apartment and had to move in with my parents. Shortly after this I was contacted by National Credit Systems and was informed of my debt to my apartments. I was totaling over XXXX. I started on a payment plan with the company for {$50.00} a month. Everything was going smoothly until I was charged XXXX one month. I spoke to a supervisor and it was straightened out. I continued to make payments of {$50.00} a month. They were taking out my payments on different days which was n't discussed with me. I was charged XXXX again for {$50.00} and told them that I did n't want to be on monthly billing anymore. I was charged every third and fourth Thursday or at least that when I was supposed to be charged. I started to make payments on my own and got my balance down to just a little over XXXX the balance was XXXX to be exact. I was going to make a payment of {$300.00} around XXXX. They stated that my balance was XXXX. I asked XXXX which is the person that handle my acct. She stated that there were fees added from XXXX. I wanted more clarification on this matter and spoke to her supervisor. she stated that she would do more research and call me back. She didnt return my call. I called back 2 days later and was told that my balance was XXXX. I asked again why the balance was different and was argued with. I am trying to be an honest customer and pay my debt but I refuse to do so if a company wo n't clarify why the amt of the debt increased. I hope that this complaint is researched and I receive a follow up for it very soon. Thank you for your time. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I was scammed online, and did not receive what I paid for. Was not able to cancel payment in time on Paypal. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: on XXXX XXXX, 2014 the XXXX transferred the sum of XXXX XXXX. The rate at that time was {$1.00}. I should have received {$66000.00} but only received {$65000.00}. Unfortunately the transfer went through Citibank which added extra transfer fees even though the XXXX insists that they did not use an intermediary bank. I had an account with XXXX, an international bank. Because of Citibank, there was a minus {$1800.00} in funds expected by me 

Company response: Company chooses not to provide a public response
Consumer complaint: purchased a XXXX XXXX in XXXX from XXXX paid off in XXXX received ttitles in XXXX traded it in XXXX to XXXX XXXX XXXX texas XXXX, they reported was reported on my credit XXXX/XXXX/XXXX {$1000.00} why would I have the titles if I had a balance, I do not owe anything, please remove off of my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: After my atuo loan provider contacted me at work I told them not to contact me at work again they threatened to make deductions to my pay and made me a offer of payment. The colecter demanded " when I will I be payed my money '' then threated that if paper work or payment was n't receaved by the end of the month that they will proceed with garnishment. Because I did n't know what my rights where I told them to email mail me the paper work. I also have receaved multiply phone calls in a day from this corperation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made 

Company response: Company chooses not to provide a public response
Consumer complaint: This is for wrongful information on my credit report. This XXXX XXXX has no proof of my responsibility to agreeing any type of terms to them. I shown proof in the District Court where there held a wrongful debt against me. They had no report to collect from me. The Judge XXXX XXXX dismissed the case in XXXX XXXX and I was awarded not guilty. I have further records from the court proceeding if needed to prove this case against XXXX XXXX. I have been in great standing with my other creditors. I do n't know how to upload the court documents to prove my case on this matter. I am willing to find a way to send at a later date. 

Company response: Company chooses not to provide a public response
Consumer complaint: Merrill Lynch Wealth Management is throwing obstacles so consumers have difficulty accessing their own funds. On XXXX/XXXX/2015 I went online to do a wire transfer. I input correct B of A account and XXXX numbers. I called M-L to complete the transaction. Several times they tried to transfer me to a financial advisor ; finally I convince them to do the transfer and they confirm is it complete and should fund within a day. XXXX/XXXX/2015 funds are still not in my account. When I call, they say B of A rejected the transfer saying the account does n't exist. I recheck my online data for the transfer and it is all still correct. M-L says they can not show me the notice from B of A rejecting the transfer, that it is a 'backroom ' process. I convince them to do the transfer again, and they finally do. I believe M-L fraudulently stopped my transfer to keep funds in their company ; they did not contact me to let me know of any problem. Clearly, there should be no problem because the numbers on record for wire transfer in my Merrill Lynch Wealth Management account are correct. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did not know i can request an annual requested from XXXX to my dismay I then saw an entry from revenue system inc I then decided to call and inquire. I was told by a XXXX that NO RECORD FOUND he had me repeat name numerous times then transfer the call to a XXXX who is NOW XXXX who stated NO record found to read info on report and stated NO record to give phone # she will assist with credit report error. she XXXX XXXX called same day XXXX weeks a go in XXXX XXXX to say NO RECORD. I ask for the phone # of vendor, ac #, date of report and why the vendor NOR THEY NEVER wrote a LETTER to demand debt NOW UNABLE to give information an file this false report. I got NO ANSWER. She XXXX stated THIS WILL STAY ON THE REPORT I WILL NOT REMOE IT. I ASK FOR DETAIL INFOMATION AGAIN she XXXX XXXX stated if I continue to demand information I will NOT TELL YOU hung up. I then disputed the debt. 
I am in receipt of the report it stated that the DEBT is verified to be removed in XXXX XXXX. 
I then call the Revenue Systems Inc spoke again to XXXX he then acted extremely slow and asked same questions over and over again when I ask to speak to representative XXXX I was told that XXXX will call back that it is a Flood Insurance, ask for insurance co name, phone, detail of debt he REFUSE to provide. only XXXX can answer you. Upon calling back XXXX NOW stated that my husband took policy. I told her my husband died more then fourty years ago, NEVER CAME TO USA UNDER WHAT Authority SHE CAME To that CONCLUSION I WAS TOLD THAT I TOLD IT TO HER THAT HE TOOK POLICY AND HAS A LEGAL SIGNATURE ON THE DOCUMENT FOR FLOOD INSURANCE XX/XX/XXXX REQUEST AGAIN COMPANY NAME PHONE I WAS RUDELY TOLD SHE WILL NOT TELL OR GIVE ANY INFO AND IF I AM UPSET ABOUT THIS THAT IS JUST TOO BAD AND IF I CONTINUE TO ASK SHE IS GOING TO HANG UP AND THE REPORT STAYS. 
CHECK WITH FEMA I AM NOT IN A FLOOD ZONE. I AM A VICTIM OF FALE REPORTING FOR PERSONAL GAIN AND ABUSE OF FALSE REPORT WITHOUT MERIT, FAILURE TO PROVIDE EVIDENCE OR CONTACT MADE BY XXXX. PREDITORY AGENTS AND ACTED IN BAD FAITH UNDER THE FAIR CREDIT AND REPORTING ACT TO CAUSE HARM AND DENY ACCESS TO REASONABLE INSURANCE RATES WITH ANY COMPANY AND CAUSE INEBILITY TO GET CREDIT. THESE PEOPLE HAS DELIBERATELY ACTED TO CAUSED HARM TO ME. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made 

Company response: Company chooses not to provide a public response
Consumer complaint: Tebo FinancialXXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXXXX/XX/2015RE : XXXX Chrysler PT CruiserVIN Number : XXXX On XXXX XXXX, 2015 I received a call from XXXX XXXX attempting to collect on the discharged debt. After calling Tebo Financial, they then stated they were prohibited by bankruptcy laws with regards to contacting us and collecting on a discharged debt. This is a clear contradiction. 

On or before XXXX XXXX, 2015 Tebo Financial authorized XXXX to repossess the XXXX Chrysler PT Cruiser, at XXXX XXXX XXXX XXXX, Ohio XXXX. On XXXX XXXX, 2015 this vehicle was recovered by XXXX. 

After the vehicle was repossessed on XXXX XXXX, 2015, I did not receive any legal communication required through Ohio Repossession code ( XXXX XXXX ), regarding my Rights to Cure. The vehicle was set to be auctioned on XXXX XXXX, 2015 without any notices sent stating the vehicle had been repossessed or the creditor 's intention. I did not receive a NOTICE OF OUR PLAN TO SELL PROPERTY or Notice of Default and the Right to Cure. 

In addition to these violations and non-compliance, I was not properly informed about my personal property left inside the vehicle. Tebo Financial failed to document properly and inventory the personal items left in the vehicle per Ohio repossession laws as well. 

At this time, a complaint with XXXX and Attorney General Office has been filed. I will seek sanctions through the Bankruptcy court within the coming week if a resolution is not promptly met. 

A refund of {$830.00} for recoverable charged fees will cause this matter to halt and not proceed with legal action. 

1. Loan Fees {$510.00}. Interest {$190.00}. Auction Storage fee {$91.00}. Personal property fee $ XXXXPlease feel free to contact to me with a resolution to this very time sensitive matter. 

Regretfully, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently began to check my credit reports when I discovered a collections account from Enhanced Recovery Company alleging that I owe {$320.00} for what appears to be utility or beverage services. I disputed the debt and Enhanced Recovery Company verified through the credit bureau. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Enhanced Recovery Company has not responded to my validation request and has not removed this trade line from my credit as requested. They are also reporting as XXXX different companies as they are Enhanced Recovery Company on my XXXX reports and Enhanced Recovery Corporation on my XXXX reports. 

Company response: Company believes it acted appropriately as authorized by contract or law