AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Pinnacle Credit Services , LLC sent a letter out with a XXXX IRS form notifying me of my " cancellation of debt '', and that it is being reported to the IRS as income, which I now have to pay taxes on. Problem is, I never owed them or the original creditor they claim they " bought '' the debt from, anything! This was the first time I was even made aware that this shady company even had a " collection '' against me! 

Even the original creditor, XXXX XXXX, confirmed that I have never had an account with them, therefore I could n't possibly owe them anything, or the collection agency they use ( which is Pinnacle Credit Services ) and said " something is very wrong, but they ca n't do anything to help, since I do n't, or never had any account with them that they could even go off of to see how Pinnacle Credit Services even got my name and/or SSN! 

So now, I have to file forms with the IRS for Tax Fraud against this company to prevent them from claiming they forgave a debt which is taxable. 

They refused to have any conversations on the phone, and after several hours of calling them and being put on hold every time until they decided to just hang up the line, my only recourse at the moment is to file complaints. I 'm now in the process of filing with the Mn. attorney generals office, the XXXX attorney generals office, as well as filing Identity theft charges against this " company '', as well as trying to get them to delete their fraudulent reports on my credit. 

They at no time have ever contacted me about this " debt '' and will give me no information as to original account information from the original " creditor '', no date at which they " bought '' the debt, and no information as to how they have my personal information when the " creditor '' they listed as being the people they " bought '' the debt from has no idea or account information regarding this so called " debt '' in any of their records! 

This company is a fraud, and is committing a crime, and I 'm not the only one they have done this to, and are doing it to as this is read. 

I was advised by the XXXX. state Attorney generals office that they would start an investigation into this company for identity theft on a broad scale if more people having these issues would contact them and file a report and make them aware of what 's going on ( not like they do n't already known, a simple search of the internet will yield numerous complaints of this very thing! ) but seeing this company ( Pinnacle Credit Services ) is a " LLC ( limited liability company ) operated by several small shady law firms, I 'm sure someone up the political tree is getting their palms greased and they will go unpunished. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Good morning, this is my third complaint about this company. My last complain number is XXXX. This company is a master of deception. Our first complain was in XXXX. they said they would help us with the repairs of the car, and now their offering to pay us XXXX out of a XXXX dollar tab. Than i offered them to accept if they would finance the XXXX and they said no. And then i offered them to help me with the XXXX and i would buy my own engine, and i would have my own mechanic put it in and they said no. And then the representative claims we drove XXXX miles when the claim clearly states the problems were present before we bought the vehicle. They are unwilling to work with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a customer with Friendly Finance for almost 5 years now. I have gotten into a place where I have had to make arrangements with this company due to lost of job unexpected life event, I have always kept my agreement and have tried my best not let the company " GUESS '' my circumstance. I have made an arrangement with this company to pay {$400.00} a month {$33.00} more then my payment so that they will finally give me an extension on the account to cover the month I had gotten behind. So i have been making {$400.00} payments every month for the past 3 months and have 1 more month to go before they will give me the extension to bring me all the way current. But I have kept my agreement. On Monday he called me to verifie my arrangement to make payment on Saturday. HE TOLD ME WHAT MY ARRANGEMENT was ... ... I said yes and we hung up. 
He then procedes to call me 9-12 times a day leave multiple answering machine messages EVERY DAY and call my references EVERY DAY after we hung up. From bogus numbers as if they are in my town or a different state but when you try and call these numbers back their is no connection. I work during the daytime hours so no one has time to talk to someone every SINGLE DAY when i have already made arrangements and have a history of keeping my PROMISE. I called the company to request a Supervisor to complain they said they could n't let me speak to one at that moment but would have one return my call and no one has returned my call. This goes on month after month. When i am clearly making my payment each month as i have agreed. And to threaten Rep on my answering machine i just think is unfair and causes me a great deal of stress on something I feel I am doing and keeping my promise for. I just do n't understand why they are just aloud to do whatever. I fear my car will be gone every morning i wake up even though I am doing what they have asked me to do. I ca n't continue to go through this I wish I could just give the car back but you and I both no I can not do that when my livley hood depends on getting back and forth to work. Thank you so much for your time. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I have an account with Green Tree/Ditech. I 've been paying this mortgage for 17 years. In XXXX 2015 I received a check from GT/Ditech. The statement read the amount was not enough to reinstall the loan. They accused me of missing a payment. A payment was n't missed. I have carbon copies of all my checks I 've sent them. I have continued to make payments & return all the checks they have sent me. GT/Ditech are charging me outrageous fees & legal fees. They have even hired an attorney to take me to court. This company has caused me so much grief & pain over craziness. They need to be stopped. My payments are {$490.00} a month. GT/Ditech is stating I owe them over {$6000.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My loan was modified in 2015. Original loan was {$60000.00} I made several payments bringing it down to under {$58000.00}. Then I ran into problems paying. After a year and a half it was modified. Rolling the interest into loan making it {$87000.00} my new loan basic does not have interest but I am paying down the interest rolled over. My servicer refuses to send me anything reflecting that. After requesting they said they wont. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am still receiving harassing calls from CitiBank, even though I do NOT have one of their credit cards, and have NEVER had one of their credit cards. The calls began on XX/XX/2016. CitiBank received my original complaint about the calls from the CFPB, but for some reason, they keep calling me. Today, XX/XX/2016, was very difficult, as I was awakened by Citi Bank XXXX at XXXX XXXX. PST! They then called me AGAIN, at XXXX XXXX PST. 
I was worried an early morning phone call meant a medical emergency with my mom. 
The caller ID said " Citi Bank, '' and the phone number was XXXX, a South Carolina number. When I called the number back, a man answered, and it did not sound like an office. 
The other XXXX Citi Bank numbers on my caller ID, from XX/XX/2016, were " XXXX, '' and " XXXX. '' An XXXX with Citi Bank in XXXX XXXX, XXXX, keeps calling me also. She is very nice, and is trying to find out why these calls have been occurring, but I wish she would just contact the CFPB ( instead of contacting me directly ). 
I do not understand why I am being harassed when I do not even have an account with Citi Bank, and have never had an account with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to inform you of the difficulty I have endured by refinancing with XXXX XXXX, who was seized by the Federal govt in XXXX. I refinanced on XXXX XXXX, XXXX with XXXX XXXX. They were shut down in XXXX XXXX by the Federal govt. My mortgage was transferred to Loan Care Servicing in Virginia. I have been asking for a copy of my title insurance since XXXX, which over {$3500.00} was included in my contract. I 've found monetary discrepancies & fallacies in my mortgage contract along with exorbitant charges through having a Forensic Audit done. The mortgage contract claims to be a fixed rate but in actuality is a variable rate. This is supposed to be an FHA loan but I can find no record of it. I 've contacted the Title agency, and the lawyer of record, XXXX XXXX, XXXX. but neither to date has responded to me. I truly believe there was not ever an insurance title, and the charges stated in the mortgage are fraudulent. We have been requesting that the servicer do a restructuring of the loan, especially when my spouse faced hardship in XXXX when he was laid off. A Forbearance was granted for 6 mos, after that, they requested all monies totaling {$15000.00}, they claimed was owed, even though they told us if we met the Forbearance, they would grant a modification. We are not trying to get a free ride but want someone to address what we feel is fraud. We have recently received letters not only from Loan Care, saying they own the Note, but also from XXXX XXXX, who says they own the Note from Loan Care. We have checked our county records and find that many illegal assignments have been recorded in the XXXX XXXX clerks office. Also, new title insurance policies have been issued in the state of Virginia and in the state of XXXX, TX. The loan number has been changed on three occasions throughout the the loan. We 've tried to seek justice by hiring at least XXXX law firms but we were simply taken for a ride and our money. We were reimbursed a portion by the Federal Trade Commission. Now, even though we have recently spoken to XXXX XXXX, who claims they hold the Note, we 've received a Notice of Acquisition from the XXXX Law firm representing Loan Care, saying we are in foreclosure and threaten to hand over the Title ( what title?! ) to HUD, who will in turn hand it over to Loan Care. We pray you will investigate this matter of fraudulent and unscrupulous acts from taking place and preventing these entities from unlawfully seizing our property without legal assignment of Note, Principal disclosed, issuance of our Homeowner 's Title policy in mortgage, and explanation of exorbitant charges in mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: My ex husband purchased a home on XXXX/XXXX/XXXX with only his credit utilized for the mortgage. I had a foreclosure the year prior and did not qualify for a loan on either a home or even a car. My ex husband signed the paperwork for the mortgage. On XXXX/XXXX/XXXX, my ex husband and I separated and he stopped making payments on his home that he lived in. We divorced on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my credit was affected by his delinquency and also on XXXX/XXXX/XXXX the Loancare mortgage was applied to my credit report even though the entire time my ex husband owned the home, the mortgage account never showed up on my credit report. I called Loancare and it took the customer support specialist over 20 minutes to locate " my initial '' on a part of the paperwork for the mortgage, even though back in the XXXX of XXXX, my ex husband had to give a verbal authorization for me to speak to Loancare about his loan, since I was not on the mortgage. I 'm filling this complaint because Loancare is fraudulently claiming i 'm on the mortgage my ex husband signed and is now damaging my credit. Below is the LoanCare address information. 
LoanCare Attn : Cashiering Department XXXX, VA XXXX Telephone Number Customer Service : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: in violation of the fcra, credco continues to erroneously report my discharged bankruptcy past the 10 year non-reportable period. as a result I can not obtain mortgage financing. credco has flagrantly violated the fcra. 
on the civil side, I am represented XXXX. I am a highly skilled XXXX as well. if I am unable to obtain a very substantial settlement, XXXX will pursue this matter in each and every applicable federal and state forum. credco 's litigation costs would be staggering. while in office, XXXX championed consumer rights. he has told me that my case would be like taking candy from a baby!. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from Diversified Adjustment Service Inc. indicating they were attempting to collect a debt on a payday loan I never solicited or received. The call was followed by a letter I received on XXXX/XXXX/XXXX ( the letter itself dates to XXXX/XXXX/XXXX ). I called in reply to the letter, and confirmed that in order to dispute it formally, I had to do so in writing, which I did the same day via email. I sent documents in support of my position that I never received any such loan - specifically bank deposit statements from the period in question showing no deposit of any kind for the amount in question. The collection agency claimed the original loan was issued on XXXX/XXXX/XXXX, and then remanded to collection later ( around XXXX of XXXX ), however I received no communication until XXXX - mostly in the form of phone calls from differing numbers, none of which can be returned at the same number. After formally disputing the debt in writing on XXXX, a call was made to me at XXXX XXXX on XXXX, demanding immediate payment of the debt, in violation of and in indifference to the following : XXXX. Validation of debts [ XXXX XXXX XXXX ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I have made several attempts to contact the original claimant, XXXX XXXX XXXX XXXX, who remain at this time unreachable by phone to me - only customer service and technical support are reachable. I was transferred to someone from HR/Payroll, however, my call instantly went to voicemail, and has as yet not been returned. My login for the Agent Services page on the company 's HTML site ( XXXX ) is valid, but the page has no content other than a link to the site homepage, and the link to the agent services page ( XXXX ) on the homesite ( XXXX ) is currently locked, with technical support having sent me an email claiming it will fix the problem within 48 hours. At present however, neither the original claimant ( XXXX XXXX XXXX XXXX ) nor the debt collection agency have provided any documented proof of the debt, or given me reasonable access to it. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: the card that I have gives a {$250.00} air travel credit each year : {$250.00} XXXX XXXX XXXX XXXX made by the Primary cardmember and Authorized Users on the Card Account are eligible for this statement credit. Please allow 1-2 billing cycles after the qualifying incidental air travel fee is charged to your Card Account for statement credit ( s ) to be posted to the account. This statement credit is an annual benefit available for purchases appearing on your billing statements from XXXX through the following XXXX. Pending transactions that do not post in your XXXX billing cycle will count towards the next year 's XXXX XXXX XXXX. 

although i have made purchases in XXXX when I get my card, I was told when I inquire why on my statement it shows that my credit for the 2016 year is {$0.00}, I was told that was my XXXX billing statement and therefore ineligible. As if i person can have a billing cycle start XXXX XXXX, it is deceptive to not tell customer when they apply for the card. It is confusing that XXXX billing cycle can have virtually no dates in XXXX. I would not got this particular card otherwise if I have knew 

Company response: Company chooses not to provide a public response
Consumer complaint: I received no notice in the mail or to my email from XXXX XXXX XXXX that a balance was owed. The first communication I received was when I received a notice from a debt collector. 

Company response: Company chooses not to provide a public response
Consumer complaint: earlier on in the year of XXXX, I filed a complaint with you regarding the servicing of my loan from SpServicing. Reference case # XXXX. They were clearly not honest with there response to you regarding my XXXX payment and the final loan modification. I will attach all of my documentation including bank statements for the entire year of XXXX and the trial modification and the final modification. I also have a letter from them dated XXXX XXXX that my final modification was approved. The XXXX payment which they claimed, I did not make, was one of the 3 trial payments of which I phoned in XXXX, XXXX and XXXX payment on XXXX/XXXX/XXXX. If I did not make my XXXX payment, how would I have been approved for the final modification as outlined in the trial modification? Once the final modification was approved, everything escalated from that point. Accusing me of not making payments and no one could tell me which payment was not made. I have had XXXX in XXXX and could not handle all of this along with my health problems so I retained an attorney after I received your response from SpServicing and their response as well. It also appears that they are not applying the payments correctly to the PITI as outlined in the trial modification and the final modification. I am reaching out for your help again to protect me as the consumer with the servicing of this loan do be done in accordance to the trial and final modification. They are also threating me with notices of default every month. How can they do this when all of my mortgage payments are made on time? You will be able to see this as I am attaching proof of payments for the entire year of XXXX. This mortgage company also will not let my attorney speak with their attorney and a manager does agree that I have a modification, but they have yet to honor it. My attorney is also getting frustrated with them and he now knows that all of my complaints about this company and the servicing of my loan are valid. He as well, has a copy of my final modification and proof of all of my payments. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: 1 ) XXXX XXXX services is claiming that I had an collection account with XXXX. I have never had an account with this company!!! I disputed this issue and the just sent me a credit card statement, That did not prove any of the circumstances of the supposed investigation they were required to preform. 2 ) The other issue is is that this account is being updated monthly and reported as open although it date of delinquency is about 5 years ago. By them re-aging this account it prevents the 7 year window from beginning. Please help 

Company response: Company chooses not to provide a public response
Consumer complaint: I am contacting you with full authority from the consumer ... .I am filing this complaint from a Wisconsin car dealership on behalf of our customer. Here is what happened. Our customer lease a vehicle from US bank 3 years ago through our dealership. She wanted to buy her lease out and trade it in to our dealership as she was at the end of her lease. US bank told us that she had to go through a bank branch or it would be substantially more money for her to buy it out. So we told her to go to the US Bank branch that is across the street from our dealership. She did so on XXXX/XXXX/15 and she converted the lease to a loan and financed {$15000.00}. She then came over to our dealership after signing the loan documents with them and proceeded to trade the vehicle in to us and lease a different vehicle. Since the loan was so new it was difficult for them to determine the exact payoff but they told her that there would be a {$100.00} early termination penalty loan payoff plus {$1.00} per day in interest so we used a payoff amount of her loan of {$15000.00} even though it was confusing to us why they would even have a {$100.00} early termination penalty on a loan in the state of Wisconsin. Now they are telling us that we are short an additional {$78.00} and some odd cents which again does not make any sense and we tried contacting US Bank and they have no explanation for the difference. This customer is super upset and we do n't know what to tell her for the reason of the additional monies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have put in disputes through the credit bureau, as well as, sent validation letters to XXXX Collections. This is a false debt that the company is trying to collect on. I did not recieve any response from XXXX Collections in response to the validate or delete letter I have sent. I have also have not received sufficient evidence from the credit bureau that they indeed had the creditor themselves validate or delete the false account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is currently reporting voluntarily dismissed chapter XXXX bankruptcies # XXXX XXXX and XXXX in my credit file. Experian responded to my complaint filed XX/XX/2015 and stated that " The FCRA allows for the length of time information may appear on a consumer 's personal credit report ''. And " The bankruptcy dismissed/withdrawn status will remain on your report for seven years from the filing date. " The is a vague, fabricated statement which is not accurate and complete. There is not any clear language in the statue that states an voluntarily dismissed chapter XXXX bankruptcy should be included in an consumer file. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX this account is old and still reporting way further back than it needs. As well creditor agreed same stating deliquincies listed though i dispute are from well over 5 years ago. 

XXXX bureau still reporting another old delinquincy, grantor states should not go back this far XXXX XXXX fraud account XXXX fraudulent inquiries XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX 

Company response: Company chooses not to provide a public response