milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with United Recovery Solutions (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: There are multiple reasons in the list above that apply to this complaint. Frequent calls and calls outside of XXXX-XXXX and they were foul, threatening and abusive to me on the phone. They repeatedly hung up on me when I tried to tell them that I had moved and needed to update my address as I had NOT received notification from them he said I was lying that too much had been sent - he also said that I was a " piece of work '' and on another call said " way to be a good example for XXXX '' ( my little girls name ) how do they have my little girls name? I do n't deny I owe the debt - I am in bankruptcy - he accused me of falsifying that information as well. He said he was n't notified of my bankruptcy - how can that can be true but my not receiving notices because I moved can not? This is the MOST horrible experience I have ever come had in any business manner. I spoke to both XXXX XXXX and a man named XXXX within the same office and they were both MISERABLY rude people.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (AL).
Issue: Loan servicing, payments, escrow account

Complaint: The new servicing company did not send out their notice no less than 15 days PRIOR to them receiving the transfer. They are now telling me the Federal law states they have up to 60days AFTER transfer to send me a letter. They are refusing to take my payment ( s ), give me date when they will start accepting my payment ( s ). They said I would just have to wait till they sent me a letter and called with the info, but would take aporx 60 days! I should just " hold on '' to my payment till then ... There is something fishy about them, it 's like they are wanting you to get behind or something. 60 days would cause it to show late on my credit report and I 've NEVER been late with my mortgage before and do n't plan on it either!!! 
CSR : XXXX her XXXX : XXXX : XXXX XXXX, TX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (VA).
Issue: Managing the loan or lease

Complaint: Westlake Financial is reporting that I owe their company for a vehicle that I never purchased. Westlake is reporting inaccurate information on my credit report and I want it removed immediately! I have sent this company several debt validation letters via certified mail and regular mail and I have not received or heard anything from them. I have never purchased anything through this company and I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I recently found out I am a victim of Identity Theft. There have been several medical accounts opened in my name that were fraudulent. Medical Fraud. Along with some credit cards such as XXXX XXXX, XXXX, XXXX XXXX. I have also filed an FTC Id Theft report.
<P/>
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2015 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (ME).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked them for a signed contract that was signed by me they just send a copy of old bills I have never had XXXX and only have had att think someone opened it in my name but they will not send a signed contract if they do not have a signed contract they need to remove they have over XXXX of complaints online from being a third party debt collector and all the fans answers was removed from XXXX XXXX times now and they keep putting it back on shady company

Company response to consumer: Closed
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX CARD on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: After the fraud was uncovered at Equifax - it was recommended that we place a freeze on our credit reports with " the 3 '' bureaus. Well, it seems the bureaus do n't want this. Loss of revenue. XXXX indicates I must have had an account years ago. Unless I recall the sign-in I ca n't get into freeze. They offer no help in recalling password. AND will not permit a new account. Equifax just plain makes their web site inoperative. I need an answer now.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (I do not know) with Credence Resource Management, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls for years from debt collectors looking for XXXX XXXX, XXXX XXXX, or other given names with the surname of XXXX ( I am unsure if that is the correct spelling ). I had one call yesterday and two calls today. With the second phone call today I became billergerent and demanded that I be given the phone number that this person was calling from. That demand usually is met with a hangup, but this time I was given a number and informed that the company name was Credence Resource Management. My current number was originally unlisted and I listed it again over a year ago in the false hope that these calls would stop. I did state to the individul who called that if they would google the number they would see my name and not the : XXXX '' and that I would be filing a complaint.

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 05-02-2017 about Mortgage (Other type of mortgage) with PNC Bank N.A. (MI).
Issue: Applying for a mortgage

Complaint: Mt father has a mortgage with  PNC bank/mo rtgage company. I was attempting to be place on the loan with him. The initial person my father and I spoke with was  XXXX   XXXX . He stated that we could do this on a Harp refinance. He stated that there would be no money involved in this process and it would be a relatively short process. He told us that there would be no appraisal and no closing costs. this started in   XX/XX/XXXX  of this year ( 2017 ). A s the loan was being processes we had contact with him on several occasions and also with the processor  XXXX   XXXX . After about a month we were asked to submit a title surrender form to our city hall of records. It was determined that no title existed for our double-wid e in our county an d that the bank had no original copy of the title or apparently any of the initial paperwork in the initial purchase of a new double wide. About this time they sent me out an updated  Loan estimate which stated there would now be a closing cost for the load. They also called  and notified us their would be an appraisal of the house. I spoke with the person we initially spoke with to begin the process  XXXX   XXXX  who informed me he was wrong and that the underwriter needed an appraisal. He also informed me it would be my responsibility to pay for  a Title bond and  that he was also wrong about no closing costs. I also spoke with the processor again to get some clarification of why the initial person could say we had no closing and appraisal and to find out why the bank did not take care of this title issue. I could get no answer on any of these issues at that time. I asked to speak to a supervisor and was put in contact with a  XXXX   XXXX . We spoke of these issues and by this point the appraisal had been completed. She could not explain to me why it was necessary or why there was a closing cost. After sever conversations over a wee k or 2 with  her there was no resolution about the title. They are dealing with a title company outside of their own bank. After receiving no resolution on this i asked again to speak to a higher supervisor. I was told i would be receiving a call from who ever the next person was in the chain of command was. it has not happened as of yet. However i have received yet another another loan estimation update that has more than doubled the closing costs. We have no idea what will happen when we pay off this mortgage with the title situation. We have paid for 15 years on this home with no clue there was no title. I am the person who has been paying for 15 years on this home and because I am not on the title i can not claim my rights as a totally  XXXX  vet for tax purposes nor have i or my father been able to claim the interest paid at the end of the year on taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquiries were not authorized because I was already pre financed through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing this compliant against    XXXX   XXXX   XXXX     XXXX  and  XXXX  because I have no knowledge of this account information that 's reporting on my credit reports ... I have sent several request for debt validation to   XXXX   XXXX   and disputed with the all  XXXX  credit bureaus still have not been provided with proof that this debt belongs to me,  XXXX  &  XXXX  continue to reported this account as verified, without proof. However  XXXX  has removed this account 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 explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with U.S. BANCORP ().
Issue: Account opening, closing, or management

Complaint: I am an American citizen living abroad. US Bank unilaterally closed my account and sent me a regular letter dated XXXX/XXXX/2016 that arrived in XXXX after the date of closure XXXX/XXXX/2016. I was told that the account was closed because my primary residence was outside the XXXX. No provision was made for outstanding credit card payments or loan repayments. The bank check of my funds could not be mailed outside the US. They refused to reinstate the account until another solution could be found or other arrangements be made for the payments coming out of the account. At no time was my account in overdraft. They accepted an online check deposit 2 weeks earlier. They had my email and phone but made no attempt to contact me earlier.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Customer service / Customer relations

Complaint: In XX/XX/XXXX our second mortgage line of credit from XXXX Bank was cut off due to none payment of a credit card bill to Bank of America. I had no charges, statements, or activity on that account that I was aware of. I have always had an excellent credit score and I did not realize this thing would be with me for seven years, so I just simply paid it without a dispute. I now know, dispute these things! I contacted Bank of America regarding the {$63.00} they said I owed them. I told them that I had no bank statement saying that I owed them, they had not called me on this matter, ever. In response to this, they told me I went paperless in XX/XX/XXXX. This is not true, I have paper statements dated after XX/XX/XXXX from them. Also, they have no email address from me, how can one go paperless without my email address? They actually tried to trick me into giving it to them, not once, but twice. They said the only way to clear this, was to pay it, so I did. I now know that I could have disputed the charge and it would not have effected my credit rating. First I was never given a bill, then I was lied too, and worse of all my credit rating was effected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2018 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: My issue both on the personal and business accounts with Huntington Bank XXXX XXXX, OH that they for mths have been with drawling " fees '' from my accounts with no supporting documentation and in excess of the original agreed to amounts. I have been told for mths they would get me answers only to hear excuse after excuse. They to date have shown nothing in writing both prior, after or upon my multiple requests for why this is happening. I have communicated both with my local " mgr '' and their headquarters in XXXX. I am not sure where to go from here, but these fees are in excess of several hundred at this point and while I will be looking to move my accts to another bank, this is simply wrong to not be able to document the charges ... again prior to or after ... but especially after being asked. Month after month of written requests to Huntington. I am hopeful that a complaint filed may get their attention or care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ProCollect, Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back in XXXX of 2017 I contacted ProCollect as soon as I found out from the original company that my account was sent to them and paid approximately {$2000.00} which is the FULL amount of what I owed. I was told that the big XXXX credit reporting agencies would be notified. However, since then, not only does ProCollect continue to report this account, they report it as being delinquent!!! Because of this my credit score continues to suffer as they are showing the debt as continuing to be delinquent because they report it as such to the credit reporting agencies every month!!! I want ProCollect to stop reporting the account as delinquent on my report as of XXXX 2017 as that is when I completely and FULLY resolved this issue and paid them in full voluntarily!!!
These people are out of control and there needs to be tighter regulations on them having so much control over people 's credit health ... especially since they have very vial and hostile attitudes when you try to reason with them. They wield too much power ''! They just do mean and unfair things to people because they CAN!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is reporting to Experian that I have a balance, when the mortgage was paid in full in XXXX of 2016. I have disputed sevaral times and Experian is saying that the balance is being verified, but that can not be possible. I have sent them a lot of supporting documentation, including a letter from XXXX thanking me for paying my mortgage in full and a copy of the bank check used to pay off the mortgage. The item has been removed from XXXX and XXXX, but I can not get Experian to update or remove.

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 04-11-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: I had wells fargo bank for a short period of time, I closed out my account well I thought I closed out my account but turns out they did not close it and I kept getting charged fees of over draft. I had called many times and was told I owed the money and that it was closed. it only got closed after the fees were added. I now can not get a bank account because of their doings.

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 07-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Using a debit or ATM card

Complaint: My debit card was stolen last week. Some made XXXX XXXX dollar withdraws from ATM. I do n't know times B of A would n't release that nor phone numbers. I called in several times had to call back and wait on hold for long times. Also the rep did n't report the XXXX as fraud they just left it. The XXXX case took 3 days and the XXXX case was 1 day. nothing has been done about it. I report BANK OF AMERICA TO XXXX. A lady contact me and left voicemail she be looking in to it and some how its already closed. This whole case seems fishy. bank of america states you 're not reasonable for basic transitions or ATM withdraws you did n't make. I DID N'T MAKE NO WITHDRAWS. ALSO THIS COMPANY DOES N'T CHECK ID WHEN WITH DRAW {$10000.00} OR XXXX OR {$500.00} AT THE TELLER LIKE OTHER BANKS DO. BIG RISK FOR PEOPLE TO STEAL MONEY FROM PEOPLES ACCTS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I just checked my credit score on XXXX XXXX and XXXX is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called XXXX to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.

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