milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2015 about Debt collection (Credit card) with Pinnacle Credit Services, LLC (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX I received a credit alert a new account was added to my credit file. Upon inspection, I found this 'new account ' was a collections account from Pinnacle listed as a XXXX XXXX debt. I had never received any communication regarding this alleged obligation. 

At that time, I sent a letter to Pinnacle, Certified Mail Return Receipt requesting validation of this debt. Despite Pinnacle receiving this demand, I received no response, not even a dunning letter. 

Having waited the required length of time for a response and for validation of the debt, and receiving none, I submitted disputes with the XXXX major credit reporting agencies on XX/XX/XXXX explaining I was unaware of such an obligation to Pinnacle and that Pinnacle had failed to respond to my request for validation as required. Per the resolution letter I received from the credit reporting agencies regarding my dispute, Pinnacle verified to them that the account belonged to me and by keeping it on my credit report, that they were legally entitled to collect said debt AND that is was a valid debt of mine, all information they seemed unable or unwilling to provide me. 

At no time before or after the validation request and the verification with the credit reporting agencies, and continuing to today, I have never received any communication from Pinnacle regarding this alleged debt. They have current contact information for me as they review my credit files, update their collection account monthly or more, AND I have always included current mailing address information in my communication. 

I again reached out to them on XX/XX/XXXX via Certified Mail Return Receipt requested and again received no communication despite their receiving my communication. 

On XX/XX/XXXX I emailed their COO, XXXX regarding this matter. He responded that they were unable to locate my account information and could I provide more information? I responded with all my personal information, and all account information in my credit files so they could locate the account and we could resolve this. I never heard another word despite my sending repeated emails. 

I have requested to have documentation provided that this debt exists, that I owe it, and that they are legally entitled to collect it. They have failed to provide requested documentation, yet they continue to report the account to the credit reporting agencies inaccurately each month which constitutes a continued efforts to collect this debt. Pinnacle is in violation of the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XXXX 2015 I applied for a mortgage. This mortgage company ran my credit multiple times resulting in several " Inquiries '' on my reports with all XXXX major credit bureaus. Same thing happened with a car dealership they ran my credit XXXX times with in 2 days resulting in XXXX " inquiries '' on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I can not get into my online banking with Chase. I call and they told me my debit card is no longer good for me to go to the bank and close the account because it show XXXX balance. I went and they want all this information Social Security card and job pay stub. They refuse to close out the account even though it 's a XXXX balance on it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am submitting this complaint about transunion. I have disputed several things on my credit report and I keep getting letters stating they need additional time. To my understanding I am to allow 30 days for a company to respond. If they do not respond within 30 days it is to be removed. I tried going online to view my transunion credit report and it will not allow me to do so. I also called several times and am always re-directed as my credit file is in with the identity theft dept. I keep getting an answering machine. I am trying to get my updated credit report to make sure this incorrect information was corrected. Yesterday XXXX/XXXX/16 I received another letter that they need an additional 15 days. Last month when I was able to get online I kept disputing the same information. Usually if something is under investigation you ca n't dispute it. The system kept letting me dispute the incorrect information that tells me that they are not investigating my dispute. I am trying to obtain credit and with all this incorrect information on my report is making it difficult for me. My credit score according to XXXX is very low. Something is def wrong because my score should be going up not down. I ca n't get a report nor get to speak to anyone so I am submitting this complaint because I have no idea what my credit report looks like. I also have been trying to dispute XXXX deragatory remarks from XXXX that also is affecting my credit score in a negative way. I was told under legal counsel that these XXXX remarks for XXXX account is unheard of and if anything only XXXX negative remark should be reporting. I was told under legal counsel that this is to further affect my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Debt collection (I do not know) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sometime in XXXX Harley Davidson Financial Services began contacting my cell phone which is my only phone and I rely on it for my work as a nurse and when my school aged children need me. They call me XXXX but I 'm most assuredly a female. I have never owned a motorcycle or taken out a loan for one. I told them repeatedly to stop calling me and take my number off their list. I have asked to talk to supervisors. I have asked that my calls be recorded. Most recently they called me on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Enough is enough. I am on the do not call list. I have contacted the XXXX, and made complaints each of the last three times with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Problems when you are unable to pay

Complaint: I was made a principal car loan maker or buyer, instead of a co-maker at XXXX XXXX on XXXX XXXX, XXXX by The Office Manager just to materialize the car lease. I was deprived to read the contract to fully understand and was given limited explanation and forced me to sign. Since that time my sister-in-law badly needs the car for their children, but to no avail I was forced to signed against my will. My sister-in-law relatives after 5 months became a strong XXXX victim in the XXXX, so she decided to surrender the car for financial constraints. The XXXX resale the car and charged the difference to me since my name was a Primary Buyer. The American Honda XXXX was charging me {$7900.00} despite of the request to waive the differential cost since we paid during 5 months and the car was in good condition and my sister-in-law relatives were badly affected by the XXXX and need to send financial assistance. That 's why she gave up the car. Now, the differential cost was sent to XXXX XXXX , XXXX as the debt collector 's agency. My sister-in law who is the sole working since XXXX with a XXXX child and XXXX children can not afford to pay the difference. Since my name was in the primary lease contract, my credit score became worsened and very low for that situation. I need to clear up my name and corrected the reports from XXXX reporting agencies. I can not pay the said amount because I was only made a principal by the XXXX because of my high and good credit score during the signing of lease in XXXX. May I request to please help me to clear my name and to ask the XXXX to waive their claim. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX 2005, I signed the mortgage on a property that my wife was purchasing. I did not signed the note. The property was further awarded to my former wife at divorce. I have requested the servicing agent OCWEN to delete this account from my credit report. Ocwen has denied my claim. I have requested copy of the original NOTE, OCWEN has not provide, they has stated that they do not have it. I have exhausted my efforts to get this matter corrected, unfortunately, Ocwen does not want to correct this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion has failed ( as usual ) to adhere to proper procedures and credit laws. A XXXX account is on my credit report and needs to be deleted immediately XXXX correctly removed this account that is reporting incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following account is fraudulent and unauthorized : XXXX XXXX XXXX, I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Review attached document. I never applied for a XXXX XXXX personal loan. The account is not mine. Its a fraudulent and unauthorized account. My correct date of birth is : XX/XX/XXXX. There person who opened the fraudulent account had a state drivers license in my name, with a picture of me with the date of birth of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: In XXXX XXXX i disputed with creditor over falsely claiming to report to the XXXX major credit bureaus after acount had been open more than 6 months. I requested to have account cancelled and pay of the remaining balance without further interest accumulating. After agreeing verbally by phone the account immeadiately went to a collections account, XXXX managment services, with full interest. The XXXX XXXX account then shows up only on my transunion report as a charge - off which i find completely un acceptable to the terms agreed to especially after falsely advertising their product

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 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016, I check my credit report and all my inquirers were deleted. I logged in today and there all back on my credit report and my score went down.

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 08/24/2015 about Debt collection (I do not know) with Bull City Financial Solutions, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report

Company response to consumer: Closed
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We voluntarily gave back a car we were financing back in XXXX. Once we gave the car back we contacted about the amount owed on the car. My husband and I paid {$3500.00} to satisfy the amount with XXXX XXXX and the agreement we signed says it will be updated on the credit report as satisfied paid and XXXX balance. ( letter agreement attached ) We were not told it will be a charge off. It should never been reported as a charge off when we voluntary gave the car back and the company sold the car for a high amount. Since XXXX we have been going back and forth about how it is reporting on our credit. It shows as a charged off account in the amount of {$14000.00} and a balance of {$14000.00}. I attached emails where the lady from XXXX XXXX XXXX said she already reported it to the credit company as " paid with {$0.00} balance ''. For 2 1/2 years now this account on our reports have caused us to be denied auto loans, home loans, and credit cards. We thought we were doing the right thing by settling and working with XXXX and XXXX XXXX. I feel it was against the law the way it has been reporting on our reports for the last 2 1/2 years and since they sold the car for over {$10000.00} and collected {$3500.00} from us they actually doubled up on amounts and possibly reported the charge off on taxes as {$14000.00} when really they got money for the car from the sale and us. I also called a gentleman a month ago and he told me this will remain how it is on the credit and they will not change it ... Even though I have the proof from XXXX that she will report it as paid satisfied with a XXXX balance ... I never knew how I could solve this issue so I hope going through CFPB we can get resolution on this case. I attached some documents as proof from XXXX 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 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Tried to re-insert debt that has already been removed from my credit file. They simply are n't allowed to do this. Also, the details are wrong in the date of collection.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Medical) with Io, Inc. (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XX/XX/2015, I received a collection notice from RMS ( Receivables Management Systems ) for XXXX : Account:XXXX stating that my account was delinquent and XXXX placed the account with RMS for immediate attention. RMS claimed that despite XXXX numerous requests for paymennt that I allowed my account to become seriously past due and payment of this balance will allow RMS ( collection representative : XXXX XXXX, extension XXXX. XXXX or XXXX ) to cease further collection action. XXXX XXXX never contacted me by either mail or telephone stating that I had an outstanding balance of {$46.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A background check was requested by an employer. ( XXXX ). A person 's name ( XXXX XXXX ) appeared on this report as an alias and I have no knowledge of this name. I called to report the error to XXXX XXXX XXXX and they said they could not provide the source of this information and it was a common occurrence. I called again and said I have the right to file a dispute on this item. I was told no one was available in that dept and I could leave a message.I emailed them and received a response which did not address the concern. 
Back Ground Reporting Agency : XXXX XXXX XXXX XXXX. XXXX | E : XXXXXXXXXXXX XXXX Thank you XXXX 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 12/21/2017 about Debt collection (Credit card debt) with Guglielmo and Associates (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I have made three complaints about XXXX XXXX XXXX. They continue to state that they 've tried to reach me by phone. I HAVE ASKED THEM THREE TIMES VIA U.S. MAIL TO MAKE A COUNTER OFFER IN THE MAIL. I WILL NOT CALL THEIR OFFICE AS THEY STATE BECAUSE I AM COMPLETE FEAR OF THREATS, BULLYING AND DERRAGATORY REMARKS FROM STAFF AND XXXX XXXX. WHEN THEY WANT TO THREATEN ME WITH A GARNISHMENT OR A NOTICE OF EXECUTE IT 'S FUNNY THAT THEY SEEM TO HAVE MY ADDRESS FOR THAT. I AM ATTACHING ANOTHER LETTER TO THEM DATED XX/XX/XXXX-17 MAKING ANOTHER OFFER. I WANT TO SETTLE THIS BILL. I 'VE MADE SEVERAL ATTEMPTS AND THEY KEEP SAYING THEY TRIED TO REACH ME BY PHONE. I HAVE REPEATEDLY ASKED THEM TO COUNTER IN WRITING AND THEY REFUSE. I THINK THEY ARE IN THE BUSINESS OF HARASSMENT. I WILL EXPECT A LETTER FROM THEM WHEN THEY RECEIVE THIS SIGNATURE REQUIRED OFFER FROM ME. MY INCOME IS COMPLETELY EXEMPT AS IT IS SOLELY SOCIAL SECURITY. THEY HAVE TRIED TO STEAL THIS FROM ME AND IT IS ILLEGAL. I AM GIVING THEM A THIRD OPPORTUNITY TO SETTLE THIS BILL.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Payday loan, title loan, or personal loan (Payday loan) with Professional Debt Mediation, Inc. (AZ).
Issue: Received a loan you didn't apply for

Complaint: I received a call today from " XXXX XXXX XXXX, '' advising a loan from XXXX XXXX XXXX back in 2010 has been reported uncollectable and that if I did not pay within 48 hours, my wages would be garnished and my federal tax return seized. I never received a loan from this company or it's subsidiaries. I requested original documents be mailed to me and all they would provide is an email with a Word Document. I googled the company and it appears that I am not the only person this has happened to. When I called the company to return their voicemail, they knew who I was before I identified myself and attempted to confirm my social security number and my date of birth. I refused to provide any information and they have called me a few times since.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion refuses to investigate and remove inquires that are unknown and not inquired nor authorized by me.

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 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Network Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection agency on behalf of XXXX is reporting that I owe {$230.00} for an electric bill after moving out of the apartment. Due to the apartment being uninhabitable due to mold. The mold made me sick and I was instructed by my Physician ro move out. I stop living in the residence in XX/XX/XXXX. I have provided medical and lease information.documentation and they refuse to stop reporting inaccurate information or cancel the charges I did not make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation