milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2015 about Debt collection (I do not know) with ATG Credit, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I initiated a phone call the ATG credit to resolve a debt. They explained to me on XXXX occasions that they would be recording the phone calls. I expressed to them that I too was recording the phone call for my purposes. They immediately got angered and told me that according to the FDCPA I was NOT allowed to record them. I tried to explain to them that the Federal law states that one-party phone calls are authorized by federal law and they hung up on me. I have also just filed a complaint with the XXXX minutes before this complaint. If they wo n't communicate with me and they will not send me the documents how am I supposed to resolve this debt? They would not send me any documents because they claim they already did. I explained that i have not received them. I asked for E-mails but they will not send them unless they have a credit card number or back check number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with INTERCONTINENTAL CAPITAL GROUP (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I replied to a letter about lowering my mortgage and the guy asked to run my credit and I told him no. He told me it would be a soft check and I agreed. It was not a soft check and showed up on my report in XXXX 2017. I called numerous times until I was assured that it was being removed. It has still not been removed and I received assurances a second time after filing a complaint with the BBB. It is still not fixed and the person contacting me from the company will not respond to any of my corresponances.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: According to chase JP Morgan they did an investigation and the transactions are legal but I have never authorized this reversals or done this in my life they didnt even call me to confirm this transaction and the money they are saying they returned XXXX account the XXXX dlares I have never received theres a mother transaction that I call them about and I called the people from the 800 number on the transaction this people dont even have information about me and they still charged my account for this money I have had to change my account for a new account after changing my debit card 3 time for the same problem and my girlfriends account is been jacked too hers they are involving XXXX car insurance but we are working with XXXX they are going to investigate

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2017 about Debt collection (I do not know) with RentDebt Automated Collections, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: After pulling all 3 of my credit reports, I 've notice a collection debt from RENTDEBT AUTOMATED COL SO CALLED ACCT. # XXXX, ( THE XXXX ARE INVALID MY CREDIT REPORTING STANDARDS ALONE ) ,XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XXXX XXXX, 2017 no judgments are to be reported on neither 3 credit bureau 's. This is illegal again I do not owe this debt that the RENTDEBT has reported and it is not mine. I request that RENTDEBT REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED AND UPDATE NO PAYMENT ON YOUR REPORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Medical) with AMCOL Systems, Inc. (OK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This collection agency never contacted me about this debt. The only way I found out about the debt is when I happened to check my credit report. I tried repeatedly calling this company after finding their information on my credit report, they never answered their phone. They 're recording told me to call back during business hours and I was calling during their business hours. I sent them regular US mail to their PO Box and received no answer or reply. Finally on XXXX/XXXX/2015 I sent them a registered letter asking for information on the debt. As of today 's date XXXX/XXXX/2015 I have received no reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (I do not know) with Direct Recovery Services, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Direct Recovery Services has contacted not only me, but the owner of my home. A recorded message states that XXXX XXXX, and " the client they are representing is going to move forward with their complaint but I still have time to rescind the process ... '' the recording goes on with a number to call, XXXX. The recording never states who is calling, what it 's regarding, if they are trying to collect a debt or not..I did some research and found that Direct Recovery Services also has an address and phone number in NY ; Direct Recovery Services , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX. There are also two websites, www.directrecoveryservices.com and www.directrecoveryservices.org. Both sites are made with a " XXXX '' account which anyone can create if they want a URL. I am very suspicious of this bottom feeder collection agency ... And furthermore, I do not owe a debt. If you review the websites, you can see that this is not a legitimate organization. They have even copied the logos of the XXXX, XXXX and CFPB, to appear accredited and legitimate. ( You 'll find this on the directrecovery.com site ; the .org site says " member XXXX '' If they were part of the XXXX I would have easily found them on this site, but did not. I also checked XXXX, they are not listed. I am quite certain they are not accredited by the CFPB either.

Company response to consumer: Closed
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Chase is reporting on XXXX a last reported date of XX/X/2015 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Mortgage (Conventional home mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Trouble during payment process

Complaint: Upon initiating a mortgage with Santander Bank I forwarded tax bills to their mortgage servicing department. Santander Bank did not pay my real estate taxes in a timely manner resulting in a {$1000.00} penalty by my township. To date I have made approximately 18 calls to resolve this issue to the tax department and mortgage department but they refuse to return my calls or resolve this issue. The last conversation was with   XXXX   XXXX    XXXX . I have left her repeated messages and she has not returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Account opening, closing, or management

Complaint: Open account with PNC Bank, since beginning have trouble with them, let it go as an error but it did escalate until week of XXXX XXXX, when have to request them to close the account, payments that went okay, were returned with no apparent readon when account was positive. Still dealing with fallout, any help, appreciated it. Sincerely, XXXX XXXX. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed this several times as it is being listed incorrectly. I have had a very hard time getting information as to why this is on my account. It does not list creditor or who filled complaint with the court. It just says XXXX and a release date of XX/XX/XXXX. This item is so vaguely listed and has an incorrect release date, considering that this was paid in XXXX. In XXXX, I was notified by XXXX that I owed them money for an over payment of benefits. This was paid in XX/XX/XXXX, I have attached receipts of payment from XXXX. 

This account was deleted by both XXXX and XXXX because this account is incorrect and should have never been reported on my credit report. This was clearly paid in XXXX and needs to be updated or removed immediately. I am being denied a mortgage because of this incorrect item.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: I was charged over {$15000.00} in bank fees in 3 months. My cash deposits were held as pending and fees accumulated due to the timing of the deposits. Holding deposits caused negative balances, NSF checks and many bounced check fees. A detailed review of my account listed the time of many transactions as " time not available ''. 

My account was set up for XXXX transactions. All transactions over XXXX are charged {$1.00} per transaction. I made several requests to have my account changed to an account that would accommodate more transactions, but the account was never changed. In one month I had XXXX transactions. 
Information about my account was provided to third parties without my consent, which proved damaging to my reputation. 
Requests for reimbursement of the fees were ignored and then finally denied with out any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Bank account or service (Savings account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: I had a money market account with HSBC.. I closed it on XXXX/XXXX/2016. I only received interest through XXXX. I was owed 9 days interest totalling about {$11.00}, which I know is a very small amount. I still have a checking account & credit card ( both mostly inactive ) at that bank. They could easily credit the interest to those accounts but wo n't. Their customer service department is a nightmare. After marathon waits on hold enduring music which seems designed to be annoying, you speak to a series of exquisitely polite human automatons who keep connecting you to someone else until eventually you either get disconnected or speak to a supervisor who tells you to call back later or says someone will call you back ( they never do ). I 'm tempted to just let them keep the {$11.00} but I do n't want to let them get away with it & I can not handle another session w/the customer service dept. Please make them pay me the interest which they do n't even dispute they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Debt collection (I do not know) with ERC (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company has constantly and harassed me about payment they were threatening me with arrest send me constant letters about payment but I never signed paperwork with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: Wells Fargo Dealer Services has continously overcharged for the auto loan on my 2006 XXXX and kept me uninformed about details of my loan and its terms. 

1 ) I just found out from a wells fargo dealer services representative that I was assessed/enrolled in comprehensive auto insurance through the Auto dealer XXXX at the time of the purchase as part of the reuirement to qualify for the loan..At the time of the purchase I was not informed of this requirement. I was alo asked to get a second comprehensive insurance for the duration of the loan which I also purchased independently. In essence I was asked to carry XXXX insurance policies on the same auto. 

2 ) In reviewing my loan payments it appears my interest rate on the loan was raised without any notification. Wells Fargo Dealer Services reps have been extremely rude when inquireing about my loan issues and very uncorporative with information about the details of the loan and its terms. 
3 My car was reposessed after only one month late on my loan payments. Fees and charhges for repossession, storage and penalties appear to be excesive. 
4.Wells Fargo continues to charge for auto insurance ( wells fargo insurance ) even though I have comprehensive insurance on the my vehecle and have notified them of it. 
. 
If and where there have been deliberate overcharging and exploitation I want a refund on the overcharges and excesive fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CO).
Issue: Trouble during payment process

Complaint: We have been requesting to remove the Mortgage Insurance Premium on this account which was sold by Bank XXXX XXXX XXXX XXXX Mortgage in XXXX. 
On XXXX XXXX, XXXX, we were denied this request, as XXXX Mortgage said our mortgage balance needed to be {$330000.00}. 
On XXXX XXXX, XXXX, we made a {$9500.00} payment to the principle amount to meet this requirement and XXXX erroneously applied the amount to monthly payments and escrow accounts. 
On XXXX XXXX, we requested this to be corrected. Called again on XXXX XXXX, they said it would be corrected by XXXX XXXX. 
Called on XXXX XXXX, they said our request for correction applying {$9500.00} to principle was denied and they would send it again for it to be corrected in XXXX - XXXX hours. It was finally corrected XXXX month after they mis-applied the funds. 
We requested once again for the mortgage insurance premium to be removed ... .and on XXXX XXXX, XXXX, we got a letter saying that the MIP was cancelled on XXXX. The final premium was disbursed on XXXX XXXX, XXXX. The monthly mortgage payment will be adjusted. A revised billing statement will be sent. 
XXXX XXXX - I called XXXX to get the revised payment amount and they did not show any change. They said I had to fill out a request to get this updated with the escrow analysis. It would take 14 days to hear back from them. 
XXXX XXXX - I called carrington again, and they have no record of my request last week to perform the escrow analysis. Now I am being told that it takes 60 days to perform an escrow analysis. I am required to keep paying the MIP until then. They claim anything being overpaid will be refunded, but I am not confident in their integrity as they have changed their story on me every single time I 've called and interacted with them. 
This company feels fraudulent and I feel like I have no recourse. Please help! thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Consumer Loan (Vehicle lease) with Westlake Services, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: I HAD A CAR LOAN WITH WESTLAKE FIN. SERVICES ALMOST YEARS AGO. THE CAR WAS A PIECE OF JUNK AND I WAS RIPPED OFF FROM A XXXX XXXX XXXX XXXX KINDA PLACE. I HAD ALSO FILED CHPATER XXXX BK AT THE TIME BEFORE I GOT THE CAR. THE CAR ENDED UP BEING REPOED AND SOLD. THE COMPANY R FIELD A COMPLAINT AGIANST ME FORE THE BALANCE OF {$5600.00}. BECAUSE THEY SOLD THE CAR FOR LESS THAN IT WAS WORTH I AM SUPPOSED TO PAY THE BALANCE. I SET UP A PAYMENT ARRANGMENT OF {$120.00} PER MONTH. I PIAID MY XXXX PAYMENT ON XXXX. I GOT ANOTHER HARRASING CALL TODAY FROM WESTLAKE SAYING THAT THEY WANT ME TO CONTACT THE LAW OFFICE THAT WAS HANDLING THE CLAIM BECUASE THEY WANT ME TO SIGN OFF SAYING I WILL NOW PAY {$8600.00} BACK BECUASE THEY ARE TRYING TO CHARGE ME COURT COST, LAW OFFICE FEES AND A {$1900.00} PRE INTREST FEE. THEY ALREADY ACCEPTACED MY PAYMENT I AM NOT GOING TO PAY BACK THAT MUCH. I COULD BUY XXXX OF THOSE CARS FOR THAT PRICE.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our FHA loan on XXXX/XXXX/16. The funds were wired by our attorney to the old lender ( PennyMac ) on closing date ( XXXX/XXXX/16 ) as per the payoff letter attached. The payoff letter included a full month 's PMI payment for the month of XX/XX/XXXX. After closing PennyMac charged us two additional PMI payments in XX/XX/XXXX and XX/XX/2016 out of our escrow account, claiming that we closed on XX/XX/XXXX and those payments were for XX/XX/XXXX/XX/XX/XXXX. We closed on XX/XX/XXXX and the funds were received by PennyMac the same day as can be seen in the attached wire print screen provided by our attorney. We were overcharged those two additional PMI payments and PennyMac needs to credit our escrow account for those payments and refund us the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Applying for a mortgage

Complaint: I started the loan application process with Wells Fargo on XXXX/2016. Everything was going smoothly until the mortgage processor XXXX XXXX started to no longer communicate, and promise to take care of things and then not do them. As a result of her not doing her job in a timely fashion, the bank re-ran our credit as the application was in process for four months and at that time my credit score had fallen below the bank 's minimum thus causing them to decline the loan. I contacted the bank provided them documentation proving that XXXX XXXX was negligent and she caused the delays in processing not myself or my husband. After a month long " investigation '' we were basically told oh well she will be spoken to and you are still denied.

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 07-10-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Central Financial control is a collection agency that is handling my medical debt. I spoke with an agent in XXXX of 2016. They agreed that if I settled the balance then the items would be removed from my report. I paid the times and the agency is still reporting as negatively. i paid half of the debt which was considered settled in full, however, the remaining balance is showing negatively on my credit report. I am requesting that you contact the agency and have them remove theses items from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 have previously disputed the following inquiries on my credit report and TransUnion refuses to remove the following inquiries, even after providing proof that the inquiries were fraudulent.     I 've contacted  XXXX  and they are unable to find inquiries or reason why they put an inquiry on my report.     -  XXXX   XX/XX/16    -   XXXX    XX/XX/16

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 09/26/2017 about Debt collection (Auto debt) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I purchased this vehicle XXXX of 2016. Since then the collection efforts are beyond belief. You are harassed prior to your payment. Let 's say your due date is the 21st they claim it 's NO grace period which is fine but you are already receiving threatening collections calls, emails, texts, left messages at all of XXXX XXXX  that morning. They do n't even give you the opportunity to open your eyes at least. When a message is left by law you are not to contact me again for that day. With this company that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: ok so, there was a computer glitch XXXX summer XXXX & early XXXX ) that was transunion problem, NOT XXXX caused my inquires to be deleted. Transunion later added them all back onto my credit report without giving me the legally written notice XXXX days prior to them re-adding them! ive contacted transunion in good faith to ask them to delete the inquires that they illegally re-added. i spoke to XXXX supervisors XXXX XXXX & XXXX ). these inquires did add a hardship to my credit report and my right where greatly violated by transunion! I ASK FOR YOUR HELP TO ASK TRANSUNION TO STOP VICTIMIZING ME! AS A RESOLUTION I WOULD ASK FOR ALL MY INQUIRES BE PERMANENTLY DELETED FROM MY CREDIT REPORT AS A VIOLATION DID TAKE PLACE WHEN THEY WHERE ILLEGALLY RE-ADDED

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 07-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Trident assessment management showed up on my free credit report and has never contacted me in order to collect any debt nor has validated my alleged debt. The date showed up as XXXX and was on my credit report in XXXX. They maliously smeared my credit score and I have never had any time nor information to settle this alleged debt before they took unlawful action. I have contacted a lawyer and this is my last attempt to settle this before I take legal action.

Company response to consumer: Closed with non-monetary relief