milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Debt collection (Other debt) with N.A.R., Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I would like to dispute the enclosed collection notice from XXXX XXXX, XXXX ( XXXX  XXXX XXXX XXXX in the amount of {$3600.00}. 

I was given XXXX XXXX XXXX phone number and called them on XXXX XXXX XXXX to get a quote on a boat rental, waterski equipment, life jackets, etc. for a one day adventure on XXXX XXXX, XXXX. I spoke to XXXX who quoted me by email {$2600.00} not {$3600.00} for everything. He asked for my credit card to hold my reservation. I told him I needed to check with the XXXX other families to confirm since it was very expensive. He said he would hold it and not charge it and he would wait to hear back from me. 

I called XXXX back XXXX minutes later to tell him we would not be renting the boat and equipment because our group thought it was too expensive. At that point, I received an immediate email saying the money is due and my credit card would be charged. He went on to say that I couldnt cancel and the website should have made that clear. I was never pointed to a website to read the fine-print they claimed would be non-refundable. Regardless, I never signed a contract and I never received services for anything. I could understand this more if I had cancelled the day before but this was 10 days prior and I cancelled my reservation XXXX minutes after he said he was just going to place a hold on it. 

This was very frustrating to say the least. I have never had anything like this happen to me. I have a XXXX credit score. I was merely blindsided by this company and probably should have been more careful in hindsight giving out my credit card info. I dont believe I should be held responsible for this debt due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 was a customer of XXXX. Around XXXX or XXXX of XXXX, I ordered several items but I never received the order. I contacted XXXX and they issued an affidavit of non- receipt of merchandise. I completed the affidavit and faxed it to them on XXXX XXXX, XXXX. The issue I 'm having is that XXXX has placed this account on my credit file for colection. I 've disputed it several times and provided them with the affidavits but the credit reporting agencies have yet to remove them. 
In XXXX, XXXX attempted to sue for all monies due but the case was closed due to documentation I provided. 
This account should be removed from all credit files because I never received the merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 have a DISMISSED CHAPTER XXXX BANKRUPTCY ON ALL MY CREDIT REPORTS. It was filed mistakenly an attorney ( I onced used for a real estate closing ), on XX/XX/XXXX. It was filed and there was no follow up at all with the bankruptcy court at all. It shows on all my credit reports dismissed with a balance of {$0.00}. I asked my attorney why did you file the bankruptcy, he tells me that he believes he did not do it, which I believe he did by accident. Of course, the attorney is protecting himself even though his name is on the paperwork with the court. I have a good to excellent credit for a long time. My scores are in the range of XXXX or better. When ever I apply for credit for credit cards, car loan or a simple furniture loan of only {$1000.00}, I always get denied due to a bankruptcy appearing on my credit reports, even though showing its dismissed with a {$0.00} balance. It is really frustrating my life especially as a newlywed as I am struggling to start a family with my wife. I definitely do not deserve this and it is not fair when I have been always a 100 % excellent with all my creditors. This Bankruptcy is scheduled to appear for 7 years on my reports, XX/XX/XXXX to XX/XX/XXXX. I CAN NOT afford this for another 5 years disrupting my life moving forward. I have tried numerous times with the court, the attorney and the credit bureaus to solve this issue and all I get is the run around with no success removing the mistakenly filed bankruptcy.

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 05/29/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (GA).
Issue: Application, originator, mortgage broker

Complaint: During the process of selling my current home and buying another I found out that I could n't sale, according to the Loan Officer it appear I had a dispute in my credit history apparently due to a foreclosure like issue, that prompt me to look into it. 
It begin XXXX when I tried to refinance through Home Affordable Refinance, at the start of it I was told that I qualified even though I had no late payments but later I was told that I did not qualify, but yet CitiMortgage offered to refinance for a lower interest rate, the process was very confusing but they reassured me that it would not impact me negatively in any way, during the process I was asked to under go a trial of XXXX months making payments equal to {$650.00} and again we asked if this would damaged my credit but they reassured me again that there would not be any problems while the new loan became active and then resume payments at the new interest rate ( by the way the new interest rate actually went up less than a XXXX of point from 4.625 % to 5.000 % and the new mortgage only reflected a {$69.00} monthly savings and they took it from a XXXX fixed ). Not even close to what they have promised to lower the interest rate keep the 30yr fixed and save {$280.00} monthly, but even more confusing was to find out through the Loan Officer that the execution of the refinancing provided by CitiMortgage did not take place the same year they approved it XX/XX/XXXX but rather they executed the loan XXXX years later meaning XX/XX/XXXX at this point I 'm still confuse on what took place and I do n't know if any of my payments were credited to the loan and how did I come to have a dispute based on late payments that never existed. 
Now they have not only ruin my credit history making it difficult to sale and buy a new home, but also took advantage of me by extending the loan and not delivering what they promised. Lately I 've received XXXX letters via XXXX Urgent where CitiMortgage wants me to refinance again and to take advantage of the new low interest rate, I have lost all trust on that organization and I often wander if what they are trying to do is cover up the atrocity they committed to us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (FL).
Issue: Managing the loan or lease

Complaint: FORD MOTOR CREDIT ( FMC ) was requested to provide proof of false information being reported on credit files .... I sent a letter regarding Authentic Statement of Account UCC Article 9 9-210. Below is a request that FMC has failed to comply with : I hereby certify and confirm this to be a true and correct statement of ac-counting as received by your office XX/XX/XXXX. 
Pay Date Payment Principal BalanceXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off XXXX XXXX XXXX Payoff Offer received with discount andAdjustment mad to affect amount due for settlement XXXX XXXX XXXX N/A XXXX Final Balance XXXX within XXXX days approve or correct this statement. Any corrections here-to must be submitted in writing, under oath and under the penalty of perjury, and full commercial liability ( where otherwise not prohibited by law ). FMC was also served with an Affidavit of nonresponse. This is an action for damages brought from violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (CA).
Issue: Trouble during payment process

Complaint: I believe there could be a potential error on the escrow account for my property tax. I received a notice from US Bank on XXXX/XXXX/XXXX stating that there was an escrow shortage of {$2600.00} and my mortgage payment would increase to {$1600.00} as of XXXX/XXXX/XXXX. This is going to cause serious financial hardship for me and my family and I did not receive any previous notice of this change. 
I was not given any reason ( s ) as what caused the difference between the actual escrow amount and the projected escrow amount. I was not given sufficient notice for the increased escrow amount from US Bank either. I have never been late on a mortgage payment and I would appreciate it if someone would investigate this problem and let me know what options I have to resolve it.

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 12-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: IQ data continued to harrass my parents regarding a debt turned over to them by an apartment complex I moved out of a month early due to work injury, XXXX, and XXXX all while out of work and collecting workers comp. In addition, they began harrassing me at work, as well as, contacting my employer, XXXX XXXX XXXX. They were asked numerous times to cease ALL harassing phone calls that were being made, but did not. Then they began calling me while I was at work, by pretending to be someone else, from various numbers so I would take the calls, and would not stop calling. I told them they were not given permission and I wanted the calling stopped immediately, before they cost me my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Mortgage (Other mortgage) with PLATINUM HOME MORTGAGE CORPORATION (ID).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage through Platinum Home Mortgage. I purchased the home XXXX/XXXX/12. I have had nothing but screw ups with them. My payment has gone up and down so many times. My son and his wife, daughter and her husband have the same type of loan with NO problems. I am at a fixed rate of 3.375 % and the beginning loan amount was {$110000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion is combining my information with someone else 's, and as a result there are addresses listed on my credit report that I never lived at, and my name is incorrect and I 've called over the past month, disputed the inaccuracies and I was told that my creditors have to update my name but I have accounts on there with my updated name and address. But they still wo n't fix this error, each time I call it 's someone who does n't speak English and I 'm very irritated by this!

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 12-02-2016 about Mortgage (Conventional fixed mortgage) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: transunion credit reporting refuses to correct a mistake even though documentation proves otherwise.

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 08-07-2017 about Vehicle loan or lease (Loan) with OpenRoad Lending (FL).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: We started a refinance with openroadlending. We have good credit and was able to get a new mortgage easily in the last two months. We were just interested in lowering our truck payment. They have lost documents, sent me emails that were sent for others. They do not know what they are sending out or saying most of the time. They asked us for our award letters for our pensions. We sent copies. Then they asked for a copy of our bank statement to show they went in. Now they want tax documents! FOR A CAR LOAN. Talking to the supervisor, I find out that they do not even understand what a defined benefit pension is, or how it is paid out. In the process, they have lost one of the award letters with our social security numbers on it. The service has been terrible, and the loan terms changed through out the process. We had started another refi with them and the loan terms also changed from what we had agreed on. That is only a few of the mistakes made by their " loan specialists ''. I want their inquiries on our credit report removed and I think they need to seriously be investigated. I Have multiple emails from them with many of the mistakes they have made. I also want all our documents returned! I seriously  wonder who is stealing our information at this point! XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I would like to ask Experian to remove all the inquiries in which no credit has been granted. I have noticed that there are multiple old inquiries which are currently affecting my credit rating, but no debt has been obtained. 

I want those inquiries, including those unauthorized inquiries for companies trying to sell me a product remove. 

I currently see more than XXXX inquiries.

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 09-02-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SD).
Issue: Account opening, closing, or management

Complaint: While out of town for five days, I received in the XXXX mail a letter stating that XXXX XXXX accounts and XXXX regular savings accounts had been opened in my name. Additionally, I received a debit card and PIN ( in separate mailers ). Shortly thereafter I received XXXX letters from BofA telling my the accounts affiliated with my name had been reconsidered and closed. All these were waiting for me upon my return to town. 

I never applied for an account with BofA, not do I want one. I never applied for a debit card, not do I want one. 

I want some assurance that my credit ratings will not be impacted by these actions and that I am not affiliated with them in anyway whatsoever. 

The name and address used is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

I sent an email to the fraud department of BofA a couple days ago but have not heard from them as of now. If I do, I 'll ask their assurance - in writing - that these transactions were fraudulent and that I am in no way associated with them. 

Thank you. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Deposits and withdrawals

Complaint: The ATMs at my local Citibank - XXXX XXXX XXXX, XXXX XXXX, NY XXXX never work. Everytime I go to deposit a check, I have to check at least XXXX atms. There were a few times when I had to go to the teller and they were not able to help me out because the systems were down. In addition, the hours of operation the surround branches is impractical, they all close at XXXX and I know many people are not able to make it to the bank at that time! I am afraid that one day when I am not able to deposit money into the account and I do not have enough balance I will be charged the unnecessary over-draft fees.

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 01-08-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Other transaction issues

Complaint: I am an attorney so I know the law of payment systems and I know a law was broken here. I went to a merchants website and hit the " go to paypal '' button. When I logged into paypal, the payment company transferred money out of my bank account and into the merchants account. This was done without my consent and no authorization occurred. I contacted paypal within the hour and paypal considers it a valid transfer even though I just logged into paypal without authorizing a transfer. Paypal calls this the new, improved " XXXX XXXX '' service where it make a fast and instant transfer without the usual customer review and consent. I want my money back of course but - more importantly - for paypal to stop this new practice of money transfers without consent or authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2015 about Prepaid card (Mobile wallet) with Blackhawk Network Holdings Inc. (TN).
Issue: Managing, opening, or closing account

Complaint: XXXX has frozen my safe with {$100.00} in it and is not allowing me to access my funds. I have been trying for 2 months to access my funds, but the account has been frozen. I have been trying to contact customer service, but have been unable to reach them. They are holding my {$100.00}, and I want to either load my card or have them mail it to me. 
My username on their site to access my safe is XXXXXXXXXXXX 'm attaching a picuture of what happens when I try to log in. There is {$100.00} in the safe that is mine and they are holding.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX 2015. got a call from a law firm saying that I owed XXXX in back debt on a card from Providian bank, that I have never heard of nor ever applied for and they say that they are filling a bank levey to collect, called this number XXXX and the women did n't want to supply any paper work or anything else, in support of this matter? and said it was sent to me several times, which I have never gotten anything. I will not pay for a bogas account, I will fight this, I know these people are scamers

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 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: Account status incorrect

Complaint: XXXX XXXX reported my account 30 days late to Experian Credit Bureau for the month of XXXX XXXX. The payment was due XXXX/XXXX/XXXX and was paid by me on XXXX/XXXX/XXXX, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from XXXX and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle in XXXX XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customer and the research I 've done them affirms this as they have a " F '' rating with the BBB.

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 04-06-2015 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Wrong amount charged or received

Complaint: I recently ( today ) had to make an online transfer from myBank of America account to a International German account. 
I always relied on good service and integrity of the bank buttoday just really made me very upset. I checked the nationalexchange rate for XXXX euros and its XXXX dollars. I checkedseveral other currency exchange online and they all say onon or about XXXX dollars. I made a XXXX euro transaction andBank of America says it is XXXX dollars. " Their '' currencyexchange is really XXXX dollars more?? It is honestly pathetic. 
I did not looked at this before, I did not know this was thetype of services I was getting provided. It is unfair for thepeople whomake an honest living getting cheated this way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/16/2018 about Debt collection (Medical debt) with Revenue Enterprises, LLC (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Revenue Enterprises {$1000.00} Origin was for the XXXX XXXX Colorado it was in XX/XX/2014. This Bill was for the XXXX XXXX back in 2014 I was XXXX Years old at the time and my mom took me to the hospital so I am unaware of what type of insurance I had. I have not received notice of this collection, I am young and I did not know about credit scores or how any of it worked. I have recently started to look into my credit and want to get back on track and fix my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief