milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I discovered a Georgia State Lien on my credit report in XXXX XXXX. I called the court in XXXX County and was told it was paid. I informed the credit bureau and the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed from my credit report.

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 08-01-2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: End of Lease issue. Nissan, see attached, wants me to pay another month beyond my lease end. Also wants me to pay for other fees I do not understand. When I tried to work with my dealer to turn in my car, they mishandled working with me to get a new car. So I bought XXXX elsewhere. In the meantime I called and scheduled the inspection company to come and inspect my car. The inspection company estimated my excessive wear and tear at about {$210.00}. I then drove my car to the dealer and dropped it off. This process took about three weeks and I spoke to Nissan three times about how long the process is taking to get the car disposed of. I kept them in the loop. The XXXX call I made to Nissan was with with an abusive representative and demanded I pay another month for keeping the car. I told him I do n't want the car and had trouble working with the dealer. I hung up on him. In the meantime I bought another car and had the old Nissan at my house while waiting for the inspection company. I paid for car insurance on the Nissan while in my driveway with my new car. After a month or so I received an invoice for over {$1000.00}. Remaining rents due plus excessive mileage plus disposition fees. I paid the excessive fee of {$200.00}. I did not pay the remaining rents due and I asked them for a copy of my contract that said I also owe a {$390.00} disposition fee. I do not remember the dealer talking about this when I took out the lease. They sent me another bill showing the payment of {$200.00} and then I received a collection saying my account has been placed for collection. I guess they are not going to send me anything related to my request for information on the disposition fee and they ignored my plight regarding working with the dealer to get the car turned in. 
Please help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Payday loan () with National Cash Lenders, LLC (RI).
Issue: Can't stop charges to bank account

Complaint: I revoked my ACH authorization because this company is charging me fees ( {$250.00} ) biweekly which they did not disclose to me, and are misrepresenting their interest rate. They showed me a contract with significantly different terms on it and then claimed that I signed a contract with entirely different terms. They refuse to provide me with a copy of this contract, never gave me a written copy of this contract as promised and refuse to disclose a breakdown of how much they claim I owe or of my payment history etc. 

I want to pay the amount that I borrowed MINUS fees & grossly misrepresented interest charges. I am willing to pursue this legally if the company will not accept this as settlement for this loan. 

I ask that this company NOT CONTACT MY EMPLOYER, REFERENCES, etc BUT THEY HAVE AND WILL NOT STOP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 06/23/2015 about Debt collection (Medical) with Rossi Law Offices, Ltd (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was in a motorcycle accident and had to go get a XXXX. I was not supposed to be charged this copay at all ; but was due to a clerical error. As I was unaware of the mistake the billing company made and so it was sent to collection. I sent the collection agency a copy of the statute proving I should not have been billed and a letter asking them to verify the information over a month ago. They never replied to me. Instead of removing the information from my credit report as they are required to do un der the FCRA ; they changed the creditor name to N/A. They are also reporting the same XXXX dollar copay XXXX times ; each off by a few dollars a few digits in the " account '' number they reported. Their XXXX and only motive for doing this is to cause my credit score to drop and to harm me. I am happy to send you copies of the correspondence if this helps in your investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a loan modification in XX/XX/XXXX due to an operation my wife had to undergo which has prevented her from continuing her XXXX. I was asking to skip one month 's payment, and was told that there may be a slight reduction in our total payments due to the modification. I have submitted the same paperwork numerous times, answered the same questions over the telephone numerous times ( several times the same question was asked, then asked two weeks later by another individual in a different way ). We have been late, 30 days, since about XX/XX/XXXX and have been occurring the late payments as well as having the late payments being reported to the credit bureaus. We have over a dozen requests for information by letter, some saying they have all the information they need, with another letter coming the following week asking for information or documentation we have already provided. Had I known that there would be this much red tape and time taken ( I honestly believe they are purposely stinging us along, perhaps to force us into foreclosure ) I would have looked into a new loan with another bank. At this point, I have been late, which precludes me from any HARP loan options and pretty much reduces any other options I may have had. 
What I would like is that SPS give us an answer ( I never get to speak with the same person and they shield the " decision-makers '' from their clients ), one way or another and to reverse any late payments and clear our credit with the credit bureaus. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Other

Complaint: Macys made a change to their credit card online payment system, it is now supposed to go to DSNB ( Department Store National Bank ). Instead, when you click the link to make a payment it brings up an error page saying " Time to Give Us a CallPlease contact Customer Service at XXXX. '' Calling the number takes you to a XXXX minute or more hold after which the service person says you need to go online to make account changes because their system is being upgraded. Macys will then charge late fees and interest. This same issue is being reported by XXXX of people on social media and has apparently been going on for several weeks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (NY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: called to pay my heat bill and was demanded balance in full, after i asked for a payment arrangement i was told that each payment fee was {$11.00} so i asked to mail in payments even offered to send 3 postdated checks for duration of payment arrangement and i was told that if i sent in payments via check that they would report negatively on my credit, like whats the difference? i called back 3 times and one rep was more rude than the last. i asked for a supervisor three time and was transferred to the same voicemail. i am so upset that i want to pay my bill and cant

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX XXXX continues to report a balance on an already satisfied in full account. Secondly, the amount being reported is entirely fictitious which has already been proven in the case I opened against XXXX in which the amount COULD NOT be verified and the derogatory credit marking was removed. XXXX XXXX has been contacted numerous times in an attempt to remedy this situation with all attempts being disregarded. A certified dispute letter was sent and return receipt verification did come back. This was even BEFORE they sent this fictitious account to XXXX. This in and of itself violates the FCRA.

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 05-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was approved for The XXXX XXXX XXXX XXXX, once approved all inaccurate reporting should have been deleted from my credit file. There remains several that was not updated and removed. Listed below are the accounts that should also be removed. 
XXXX showing XXXX loan with Account Number XXXX DEPT OF EDUACATION/XXXXshowing XXXX loans Account Number XXXX XXXX showing XXXX loans with Account Number XXXX

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 08-08-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Bank of America owes me money for overpayment. I have waited on the off chance they would not be as shady as they have been in the past and refund on their own. But unfortunately, they are true to their nature.
In Bank of Americas on written words, in their response to CFPB of a recent complaint I filed through CFPB the following statements were made : This account was closed by the bank, with an outstanding balance due of {$290.00} on XX/XX/XXXX.
They also stated and a quote : On XX/XX/XXXX, Bank of America exercised its Right of Setoff by using the {$25.00} balance recovered from your savings account ending in XXXX and the {$100.00} balance recovered from your checking account ending in XXXX, to offset part of the {$290.00} outstanding balance on your MyAccess Checking account ending in XXXX. The outstanding balance remaining on this account is {$160.00}.
Another lie from Bank of America, as stated in their own written words : We have confirmed that as of the date of this letter, your checking account ending in XXXX was accurately reported to XXXX XXXX The date of the letter was XX/XX/XXXX On XX/XX/XXXX, the balance Bank of America reported to XXXX XXXX was paid in full in the amount of {$290.00}, as reported by XXXX XXXX. Yet in Bank of Americas on written words the balance was {$160.00}. Bank of America owes me {$120.00} for an over payment of the account as Bank of America reported to CFPB and to XXXX XXXX.
Proof of Payment to XXXX XXXX with deliver confirmation attached.

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 03/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently joined creditkarma.com to begin to rebuild my credit. 

Shortly thereafter, I discovered an account in Collections from XXXX XXXX XXXX for {$470.00} through XXXX XXXX XXXX, XXXX do not have an account with XXXX XXXX XXXX and have not since I allowed a cellular contract to expire in XXXX. 

To summarize, I had a XXXX year cellular phone contract with XXXX XXXX XXXX that began in XXXX and the contract expired in XXXX. I did not renew the contract opting to pay on a month-to-month basis. 

So, at that point, I did not have an outstanding balance with XXXX XXXX XXXX and began using " pay-as-you-go '' service until around XXXX when I began " rate shopping '' with other pre-paid service providers. 

I do not know from where these charges originated and have no records of any accounts with XXXX XXXX XXXX for any services of any kind since I changed to other pre-paid service providers a few years ago. 

As I have no accounts with XXXX XXXX XXXX, I have no documents to attach. 

I would appreciate any assistance you can provide regarding this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit card () with JPMORGAN CHASE & CO. (AL).
Issue: Advertising and marketing

Complaint: I responded to a mail solicitation from Chase offering a balance transfer with a zero per cent interest rate. I applied and they issued a credit in my name within seconds. The problem is, they offered to transfer only part of my balance. I called immediately and told customer service that I did not want their offer and not to issue a card or open an account in my name. Within a couple of days I received in the mail a credit card. I also received a notice telling me that the account was closed. When I called customer service again I was told that I have a credit line of {$4000.00}. I did not want to transfer a balance from one card to another unless the transfer eliminated the original account. Now, they tell me that all this will be reflected on my credit report. It seems to me that this was a fraudulent offer designed to simply open a credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Medical) with Suburban Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Account was paid in full in 2013. After 2 years I received a notice that I still owed money. In an attempt to contact the company I was unable to resolve the issue because of the threatening manner of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was treated XXXX while on vacation in Michigan. Before going to a medical facility, I checked to see what facility participated in my XXXX XXXX XXXX. I selected XXXX XXXX located in XXXX Michigan because it was the closest to my location. The hospital/XXXX XXXX billed XXXX {$1500.00} for the treatment that I received. The in-network rate for this treatment was {$970.00} which is the reason to use an in-network provider is that they have a discounted rate. XXXX paid {$630.00}. I was responsible for {$340.00}. My XXXX XXXX XXXX XXXX paid {$100.00} as that was all I had in the fund at that time. I paid {$230.00} with a credit card. These payments total the {$970.00} that I was responsible for. ( See attached supporting documents. ) XXXX XXXX turned my so called debt over to a collection agency, Wakefield Collections, for {$810.00}. I have no idea what that amount is for. This debt is now showing on my credit report. I do not owe this debt to XXXX XXXX!

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 12-10-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It May Concern, My mortgage loan was recently transferred to Caliber Home Loans on XXXX XXXX, 2015. I have received nothing but conflicting information since they took over from XXXX XXXX XXXX. My first experience is when I called to request a payoff. I was told it would take XXXX hours to generate but my balance was well below {$3000.00}. This was around XXXX XXXX. I secured the funds and called back to payoff my loan. I was then told I owed up to {$8000.00}. The customer service representative indicated I was given wrong information and requested another payoff. I went ahead and paid the {$3000.00} to avoid any foreclosure proceedings against me. I just checked my account online and it also indicates that I have a balance of {$5200.00} ; however the latest payoff I received shows {$2200.00}. ( Attachment enclosed ). The payoff indicates the amount to payoff my loan and release the lien ; however, I just checked the records for XXXX XXXX and the only activity has been the release of lien from XXXX XXXX XXXX. I do n't show any lien recorded from Caliber Home Loans to secure the lien on my property. 
As a result of the miscommunication and lack of a Deed of Trust, I am requesting Caliber Home Loans release my account as paid in full. I am also requesting they forward me documentation that they do indeed have a right to my property. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with CITIBANK, N.A. (LA).
Issue: Advertising and marketing

Complaint: Applied and was approved on XXXX XXXX for a Citi Simplicity Credit Card with 0 % interest for 21 months. This is what they advertised. Today is XXXX XXXX and still have not received the card. I have called 3 times the first time on XXXX XXXX to report I still did not have the card even though I received numerous emails welcoming me and stating that I needed to activate my card. I was told it was mailed on XX/XX/XXXX (? -Holiday? do n't think so-1 hour on hold ) and I would need to wait another week. So I called back on Friday the XX/XX/XXXX but hung up after XXXX minutes on hold. So I called back again on XX/XX/XXXX ( approx 45 min on hold ) to advise I still did not have the card and he told me he could block it but there would be a {$6.00} charge to reissue it. I told him I was n't paying the charge because I never received the first card and not even sure they mailed it. He told me he would waive the fee since I am a valued customer and would transfer me to the reissue department ( another 20 minutes on hold ). The girl told me that she would overnight me a card via XXXX and I should have it no later than Tuesday, XXXX XXXX. That is today and it is XXXX and I still have nothing. I got a welcome letter in the mail today ( it was mailed to the same address that I verified with them each time I have called ) for the card they supposedly blocked. It is amazing how that arrived but still no card. I am calling once again to get a tracking number ( if they even sent another card ). So far I have been on hold for 30 minutes. They just answered he asked me my first name and I provided it told him that I need to get a tracking number and he stated one moment m'am and now I am back on hold ... ... I said H-E-L-L-O and he said yes m'am I am checking on it. But I do n't see how since he only has my first name. Put me back on hold .... now it has been 35 minutes and someone is dialing on the phone. I have a feeling they are going to disconnect me. Still no answer, great I am back on the hold music! Meanwhile my 21 months @ 0 % interest is clicking away. This starts on the date you are approved. I think they need to honestly advertise that they have no plans on mailing the card immediately so really it is more like 18-19 months not 21 months no interest.

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 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not receive notification from the debt collector ALLIED COLLECTION SERVICE for a bill from XXXX. This was placed on my credit report without my knowledge or ability to pay before it was reported. I just received my first communication with a debt collector, XXXX XXXX, XXXX XXXX XXXX XXXX, on XXXX/XXXX/16. They stated that this debt had not been reported to any credit agency and was not on my credit report. ( I settled the account and paid it in full on XXXX/XXXX/16 with XXXX ).

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 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Financial Group, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We joined XXXX because the sale pitch they gave us was all about how we could come into the store to make purchases and receive help from their professional staff. We were told how XXXX was a long standing company in the community and they were n't going anywhere.. Well, to our surprise a few months after joining the store closed down and XXXX was gone. We had ordered kitchen cabinets, and other items, and there was no one, or any system set up to take over the service when they closed down. Several months went by and we had n't heard anything about our outstanding orders. that had been paid for. After maybe four or five months I went through the XXXX account that I used to pay of my order and was able to track down my kitchen cabinets. They had been in a warehouse in XXXX, TX for months. We have other orders that we paid for that we never received. We were contacted by someone that explained to use vendors we would have to contact them and they would get us into see someone within two weeks or so. When we signed up originally I could simply call the store and they would give me a contact for the vendors. I would call that person and had immediate access to the service I need. This is what we signed up for ; the way I had to access vendors after the store closed was not useful. We were promised a service that we did not receive, and had no access to. We were paying out and getting nothing in return. Therefore we feel that XXXX broke the contract and we should not have to pay for unreceived services. XXXX is the company XXXX used to finance the membership.

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 02-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My account shows an address that I have never used before and believe im a victim of credit card fraud

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