vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service of Logan, Inc.
State: UT

Complaint narrative:
This is just a general complaint. a utility company says I owe XXXX and sold the debt to a collection agency. The collection agency tacked on fees and put {$140.00} as a negative remark on my credit. 

I have never received any service from the collection agency, I never entered into any contract with them either, so why should I pay for services rendered to a creditor/utility company, when the utility company has agreed to a payment from the credit agency? 

I do n't think the agency should be able to represent that I owe them the {$45.00}. A consumer should only be responsible for the debts that they make. Any fees a collection agency thinks they deserve should be dealt with between the collection agency and the original creditor. Passing these fees on to a consumer only digs deeper holes for consumers for services they never wanted nor received. 

I think legislation should be enacted that 1 ) a company can only report to a credit bureau to collect the original debt, and 2 ) a collection agency can not collect extra fees from the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditor's Collection Service, Inc.
State: NC

Complaint narrative:
I had water service in XXXX VA back in 2011. In XXXX 2011 when I paid my bill I enclosed a note requesting service be discontinued on XXXX XXXX, 2011 because I was moving out of state. I left Virginia early on XXXX XXXX. I had a forwarding order in with the post office and never heard anything else from the water company. I recently discovered that I have XXXX collection accounts for that water service, both with different amounts. I disputed with the credit bureaus and requested proof from the collection agency, stating that since I only had service at XXXX location, I was concerned about having XXXX different collections. The collection agency sent paperwork which appears to show that XXXX collection account is for water service and XXXX collection account for collection fees. However, I noticed that water service was continued for almost 2 months after the date I had requested for disconnection. Furthermore, the last payment I made, placed into a water company drop box, was never credited. My deposit was also never credited. I was also never sent a final bill, so I was unable to dispute the charges for after I requested disconnection. Taking into account the deposit that was never credited and the the payment never credited, if the charges after I requested disconnect were removed, I believe the water company would actually owe me a refund. I absolutely feel the account for collection charges is wrong because if I am owed money, then how can I be charged collection fees? I do not believe the account for the balance is accurate, again because of unauthorized continuation of service and failure to credit payments and a deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Dear Sir, as an XXXX who legally leaves in XXXX Ohio since XXXX, I feel very frustrated today by the fact that a bank and a car dealer company, Credit Acceptance and XXXX have made me sign an agreement to finance my car. Initially, the car was around 12,000 . Because my credit was bad by then ( I was not familiar at all with the credit score in XXXX, having been here for only 2 years ), I made a deposit of XXXX XXXX Credit Acceptance financed the vehicle for me, a XXXX. I have been regularly paying XXXX $ every month for the past 2 years. When I checked with Credit acceptance how much I still owe after paying XXXX, I found that I still need to pay XXXX XXXX I realized that they made me sign an agreement to pay a total of almost 25,000 for a XXXX car initially sold for XXXX. I believe that they have abused me, and they did not treat me fairly. Banks although making profit must have a minimum of moral to avoid behaving like crooks who abuse innocent victims who are not familiar with the financial system. Please talk to Credit Acceptance, ask them how they made me sign these document and what are the criteria that made them put so high the price of an old car in spite of my effort to down deposit XXXX. My name is XXXX. my phone number is XXXX, and my e-mail adress is : XXXX. Please help me, I and my wife are making a very low salary, and are victim of a joint crooking service of XXXX XXXX in XXXX Ohio and Credit Acceptance. Thank you for contacting me as soon as possible, for more details. Thanks Good bless. Kalifa

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 2016-10-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
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 2016-02-23 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: UMB FINANCIAL CORPORATION
State: OH

Complaint narrative:
Bank stated that their policy when executing a trustee transfer for a Health Savings Account is to close all accounts despite explicit instructions from the account holder to transfer a specific amount of money that is less than the full balance of the account to the stated trustee.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Car lot took XXXX of my vehicles in on trade towards XXXX I was purchasing. We had discussed using Credit Acceptance to finance the balance but on the day of delivery, I paid off the balance in cash instead of financing. The car lot never listed my trade in on the contract but did list the cash down payment while still putting the loan into processing to receive that money as well. Now I am being billed for money that I did n't use or borrow. I am attaching a copy of the title that was released to me showing no security interests which would n't have been the case had I financed any money on this BMW.

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 2016-04-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Columbia Recovery Group LLC
State: WA

Complaint narrative:
I never received written notice of this debt from the company and never got the opportunity to dispute or validate the debt within the 30 day grace period. The collection account never showed up on my credit report as well, yet now they are charging me for legal fees for a court summons, but I have yet to see any paperwork for the court summons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was issued a new card due to security breach in the company. I have paid on time and the checks have been cashed by the company but they are being credited to the inactive account, not the new number. Bank refuses to resolve this situation and the card has been placed on hold.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: UMB FINANCIAL CORPORATION
State: NV

Complaint narrative:
In XXXX I opened a savings account with XXXX XXXX XXXX who has singer merged with UMB Bank at XXXX XXXX XXXX, XXXX, Kansas. According to UMB there is not record of me. I became a customer of XXXX in XX/XX/XXXX. In XX/XX/XXXX I opened a separate savings account with {$300.00}. I NEVER withdrew any money nor added additional monies to this account. I now want and need the {$300.00} plus earned interest for at the least 7years that the bank deemed it inactive. Thank you

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 2016-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: GA

Complaint narrative:
We discharged A Mortgage in a Bankruptcy in 2007 with PHH Mortgage in 2007. We never reaffirmed the Mortgage. The Mortgage company has placed an adverse action after 5 years later on my credit when they proceeded on a short sale to dispose of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MN

Complaint narrative:
I had XXXX mortgages with XXXX. The second, and final one, was paid off in XX/XX/2013. XXXX never filed a satisfaction of mortgage with my county so is still a lien holder on my home. XXXX hired PHH as their retained servicer of mortgages. I have contacted PHH and XXXX approximately 30 times in the last three months as this circumstance nearly derailed the refinancing of my house. Now it is delaying the registration of my assets in a personal trust. Both circumstances are costing me time and money. I have many names, telephone numbers and emails of individuals who have promised to take care of this, but it never gets done. There is no dispute that the mortgage was paid in full. The most recent contacts I have had were this morning, XXXX, and the previous week, with representatives of the Office of the President ( which I suspect is just another arm of their customer service department ). Nothing ever gets done, even though I have indicated that this issue has gone on for nearly 4 YEARS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MN

Complaint narrative:
We had mailed our mortgage payment well over two weeks prior to the due date. However they never cashed the check so we called and made a payment plus the fee for paying over the phone. Because they had not recieved the check. However the next day they cashed our check. When we called them and asked why this happened they said that it was in pending when we had called yesterday. We requested that we get a refund for one of the payments we have bills that need to be paid. They said they can refund it it with a written request. So we faxed the request immediately over and were expecting to recieve our refund in 3 to 5 buisness days. We never recieved a check. Now our mortgage is due again we called asking when our check would come in mail because we are mailing the XXXX 2016 check today. They responded that the extra payment was applied to principal that they never recieved our written request. Yet our fax machine sends a confirmation when a fax goes through. Now we also found out that they have not been sending the appropriate amount due it was not showing the money needes in escrow. The ethics of this company does not seem to exist. Sadly we are only on month two of our 30 year loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Calls non-stop. Call work which can get me in trouble. Calls friends and relatives also with out any regard. Calls under many numbers with many names. Never leaves messages or any details. Possible fraud or scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I leased a vehicle the year prior to joining military service in XX/XX/2016 I called Ford Credit to request a lease termination under the Service Member Civil Relief Act. They requested I send the letter to them and I did on XX/XX/2016. 
I received notification on XX/XX/2016, via telephone, that my request has been denied. They stated that I must be on orders assigning myself outside of the continental US. 
I understood the SCRA to cover me for the lease termination upon entering military service and not just when I receive orders overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: WA

Complaint narrative:
I received multiple calls from an unknown number, which I did not answer. When the caller finally left a voicemail, she called herself XXXX XXXX, but did not identify her company. She told me to call back at XXXX XXXX as my 'case ' was being sent to XXXX XXXX. The same people then called my husband at his place of work and said they were trying to collect on an old credit card of mine that was written off over 10+ years ago. He said they were in violation of consumer protection laws by contacting him and told them to stop calling. The woman said she would mark this as a refusal to pay and claimed her company sent a letter, which I never received, in XXXX 2016. When I typed the number she gave into a search, I found several complaints about ARA XXXX, supposedly based in XXXX, IL. I contacted an attorney, who told me I need to get the company 's mailing address to file a law suit. He also told me to contact the FTC, which led me to this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: SC

Complaint narrative:
They have confirmed a debt to XXXX which XXXX confirms that they received a copy of the equipment return. I contacted XXXX who provided a number that says it is not in service. I called a number I found under a XXXX Search for the company and it rings and provides no message or ability to leave a message. I would like this removed off of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
i went to the XXXX for my XXXX but the insurance paid a portion of the billthe remain the bill i do not know until i receive the phone from collector and they charge interest but this XXXX not my faultthey sent to progressive management systems collector can you tell me what can i do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: NV

Complaint narrative:
I have a auto pay set up for my credit card every month for military star for three years never missed XXXX payment and as XXXX this year even with a auto pay set up, miltary star did n't take out the balance while making me late for two months. I tried to explained to them I was out of town for XXXX funerals and I did n't know my payment has went up and they only took XXXX instead of XXXX for XXXX and XXXX making me late. I have never been late for over four years. I tried talking to miltary star reps they said you should had paid and I said this is a mistake I paid for four years and have auto pay. They said that 's my fault and you should pay your bills. This is so out of bounds, i told her I was revive refinancing my home and she said this is not gon na help XXXX Never tried to help. I said I have many problems in this world from combat but this got to be the worse day in my life for miltary star to do this. The supervisor talked so mean and never tried to help in this matter. It 's more about jacking people credit than helping seeing this is a mistake. The first XXXX says a was n't late and then I kept asking her about the late payments and she did n't know her owned system. Miltary star has people who do n't know what they are doing and they jack people credit up and do n't care. When you purchase you have 30 days before you have to pay on the purchase you made they do n't. If you make a purchase before your purchase this will be added to your payment before 39 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX was paid a year ago to another agency for XXXX XXXX. Amount : {$100.00} Collection agency is : Trident Asset Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Gatestone & Co. International Inc.
State: NY

Complaint narrative:
I called Gatestone Collection agency on XXXX/XXXX/2015 at XXXX. This debt from XXXX is not my Debit. I have spoken with XXXX and they have no knowledge of this account. The person on the phone was not helpful at all. I have spoken to Catestone XXXX times in regards to this account. Her response today was it is not XXXX but digital life which I am not even sure what that is. I had told them the other day to stop calling me I know nothing about this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I was a cosigner on a vehicle lease. Apparently the lease vehicle was returned by the person who was leasing the vehicle and a payment plan was set up with Ford Motor Company credit to pay the difference. I was never informed that this action was taking place or that there was any danger of a collection account showing up on my credit report. As a cosigner I was given no opportunity to intervene prior to this being reported to the credit agency. Further I was never notified that this was reported to the Credit Agencies. According to the person that I co-signed with Ford Motor Company gave the impression that no credit action will be taken so long as payments are made on time per their monthly payment agreement. Therefore the person whom I co-signed for felt that there was no issue to worry about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: PA

Complaint narrative:
A debt collection agency by the name of Asset Recovery Associates contacted me in regards to a credit card I had in which last payment was made in 2005, so they say. They threatened legal action against me stating liens on my new car, bank accounts, credit cards etc. I got scared and asked for more info. They stated I owed over {$6000.00} but would settle for a little over {$3000.00}. I said i remember having a credit card when I was younger but had a limit of {$1500.00}. The man from the collection agency then said he would settle at {$1500.00}. I thought that would be better so I made a smaller payment of {$150.00} to them and they want the rest by XXXX XXXX. I 've been reading about debt collection and my rights and I now believe I was stupid to make a payment since they could n't sue me due to statute of limitations. They threatened to sue me to get me to pay and I believe this to be illegal.

Company response to consumer: Closed with explanation