milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2017 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Pinnacle Credit Services has been reporting a {$2700.00} collection account on my credit report. I have never had any business with Pinnacle Credit Services. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation. I have disputed this transaction several times on my credit report through XXXX. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent Pinnacle Credit Services requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from Pinnacle Credit Services. I do n't even know which company this alleged debt originated with. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with Pinnacle Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: A compliant was filed on XXXX/XXXX/XXXX with this agency, # XXXX. Experian stated it would mail me a copy of my credit report. To date, I have NOT received the copy. This is the original compliant. I am a XXXX year old XXXX XXXX honorably discharged veteran. I applied for my annual free credit report and was DENIED. I was asked questions about financial situations that occurred in XXXX and XXXX. In addition, I was asked for the last XXXX numbers of my primary checking account. I have NOT written a check in decades. I do not have any checks, and that information is blocked on my online account. I was also asked about a bank card. What is a bank card? I have XXXX credit card, XXXX XXXX, XXXX Mortgage, XXXX, and a debit card.. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Experian needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, XXXX really jumped out at me. Thou must have more than one type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card, a mortgage and a debit card. The mortgage will be done soon. So I will only have a credit card and a debit card. This is crazy, NO debt is the goal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX sent me a letter stating I owed over {$320.00} for a debt through PayPal Smart Connect, a credit line through PayPal that I 've never used or authorized to use. The letter gives no information other than this, so it 's completely unhelpful and vague. I have never received any notice from PayPal Smart Connect stating I owe money. Once again, I 've never used it or heard of it until I received this letter. I 've never made late payments on anything in my life and have worked hard to maintain an excellent credit score. My credit score is now ruined because of XXXX XXXX and PayPal Smart Connect because of their false claims. I had never heard of either one of these entities until I received the debt collection letter, but by then it was too late. Apparently my credit reports were notified of this whole thing before I was. It 's amazing how hard you can work for so long for something and how easily it can be taken away without reason. It really upsets me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In XXXX 2015 I discovered that I was the victim of identity theft. Someone using my name obtained XXXX credit cards using a XXXX, Oregon address. The total balance on these XXXX cards was around {$40000.00} ( XXXX XXXX, XXXX, and XXXX ( a credit union in Oregon ). I filed a police report along with formally contacting all XXXX credit reporting agencies and the XXXX credit card companies. I received written confirmation from each of the XXXX credit card companies that these accounts were fraudulently obtained. I subsequently received confirmation from the XXXX of the XXXX credit reporting agencies ( XXXX and XXXX ) that they had removed all information relating to these XXXX accounts. Equifax removed XXXX of the XXXX ( XXXX XXXX and XXXX ) but refuses to remove the third ( XXXX ). I have contacted XXXX directly who confirm they have now twice sent the confirmation of fraud to the XXXX agencies. I have put XXXX fraud investigations in with Equifax XXXX written, online, and over the phone and I keep getting the same response that the XXXX account " belongs to me ''. I have attached as evidence the letter I received from XXXX in XXXX, 2015 verifying that they view this account as fraudulent. This letter was faxed ( and verified as received ) to Equifax on XXXX/XXXX/2015 but they continue to list this on my report. 

It is clear to me that other information from Equifax is erroneous and not consistent with that seen with the other credit reporting agencies. Both XXXX and XXXX list my current employer as XXXX which is correct as I have been an XXXX here for 4+ years. Equifax lists my most recent employment as XXXX. This was a position I held 30 years ago as a college student.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Bank account or service (Other bank product/service) with CIT BANK, NATIONAL ASSOCIATION (OH).
Issue: Account opening, closing, or management

Complaint: In  XXXX   XXXX  The IRS notified me I had not reported interest income from CIT Bank for tax year  XXXX . I checked my records and they were correct. I had NOT received a form  XXXX  form from  CIT B ank. I made payment.     I called CIT and reported not having received the  XXXX  for tax years  XXXX  and  XXXX . Of course my  XXXX  tax return had already been filed, and without t he CIT Ba nk interest reported. CIT then sent me the missing  XXXX . In  XXXX  they did send the  XXXX  for tax year  XXXX  as it should have been.     In  XXXX   XXXX  I received IRS notice that I had not reported interest income from CIT Bank for tax year  XXXX , the second year I had failed to receive a  XXXX  form from CIT. This bill included {$860.00} plus {$38.00} interest. Included was {$430.00} penalty.     Predictably, CIT says they sent the  XXXX  so I suppose it is just my word against theirs. However, I received  XXXX  or more  XXXX  every year and because the CIT was for a CD and not a account with active transactions I did not miss not receiving it, or have reason to look for it. I simply did not receive it. Not receiving the  XXXX  from CIT for two straight years but never having had a problem with any other  XXXX  takes this beyond mere coincidence.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to any of my credit reports to investigate and remove XXXX account from my credit report that do not belong to 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 08/14/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CITIBANK, N.A. (NJ).
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: I am complaining because I have noticed a negative action on my credit report regarding a late payment to it. I called customer service, not once, not twice, not three, but FOUR times regarding it. Each time I get passed to another customer service person to start over. This is unacceptable to me.Due to this horrible customer service I have recently closed all my back accounts with Citibank, and I want to pay off my loan that I have with Citibank, so I never have to deal with them again. My loan was reported past due to the credit agencies, which is Citibanks fault because it has been automatically deducted from my bank account for the last 2 years. I never paid with check in any way and I do not even know my loan number, so the lateness is probably from one of their unqualified employees that currently work there. I have called to resolve the issue numerous of times and they have not helped me out in any way, instead they put me on hold, and pass it to another person. To resolve this issue, I would like all fees associated with the lateness reversed and I would like it removed from my credit report immediately. Once that request is completed, in full, I want to pay the loan balance off and close it out. I would also like a written statement explaining your companys position and what you will do about my complaint. Citibank is terrible, please do not use them for anything.

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 monetary relief
Consumer complaint received 06-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Missing {$350.00} in payments to my loans, please see attached for the list of payments that are missing and the acknowledgments of the payments.On  XXXX 17 Interest was paid twice, once on  XXXX -17 and once on  XXXX -17. All the amounts from the acknowledgments did come out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Other

Complaint: I authorized one payment to XXXX XXXX for one court appearance and then fired him but on XXXX XXXX, 2015 this person tried to get more money out of me than the original {$500.00} I authorized. He tried to get {$1000.00} first from my American Express card and when that failed he received an additional {$500.00} from American Express without my permission or authorization. Then he asked me to withdraw my dispute in American Express so he could remove the charge. He sent me some emails saying it was a misunderstanding and that he was not cheating me on the money but he is apparently. I will not pay the additional {$500.00} he charged to my account on XXXX XXXX but will just terminate the card if necessary as I did not authorize he do this. He called me around that time, a day or so before he did it asking me if I had any other credit cards and I said I did not have any other cards to give him. I think this was a deceitful illegal act on this man 's part XXXX XXXX to do that as I never authorized him to ask for an additional {$1000.00} on my credit card or another {$500.00} which he tried to get when they would not give him the {$500.00} and I want that additional {$500.00} removed from American Express who never asked me if I authorized it. I know some banks call you when it is a large amount before they pay it asking if you did this with your permission or authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Original Creditor is XXXX XXXX located at XXXX XXXX XXXX in XXXX, FL the Collection agency is XXXX XXXX stating I owe {$1300.00}, I am disputing this company because I left the apartment due to flees and the Apartment building didn't wish to have apartment exterminated after I had ask them on several occasion. I never received my deposit as well.

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 03/30/2017 about Credit reporting () with Adler Wallach & Associates, Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All these amounts owed has been or should have been paid 100 % cause I have a medical card that pays everything I would love to know how to get them off my credit report cause I have been trying for a while now to establish good credit

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX has a accounts on my credit report that should not be there. Auto account number XXXX showing an opening date of XX/XX/2016 Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this false information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Debt collection (Federal student loan) with SUNTRUST BANKS, INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO

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 12/19/2017 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (NH).
Issue: Trouble during payment process

Complaint: Flood in XXXX 2017. Insurance awarded XXXX towards project. Dovenmuehle would only release 1/3 of funds until 50 % completion. No contractor would agree to this. We used our own funds to complete the project. Project was done on XX/XX/XXXX. Upon 100 % we passed an inspection that took 1 week to schedule. On the XX/XX/XXXX we asked for fund to be overnighted so the contractors could be paid in time for XXXX. Five calls were not returned. They claimed if I needed it sent overnight I should have sent an envelope for that. However they never called to inform me of this. They sent the check with no tracking through the postal service on the XXXX. I have a contractor threatening to sue me as he can not provide XXXX to his family and will have waited over 3 weeks for his payment. Dovenmuehle takes 0 responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received letter dated XXXX/XXXX/2017 that I owe XXXX to " XXXX XXXX XXXX '' - I have never owed this debt. I tried calling National Credit Systems and the agent hung up on me. I want this corrected and taking OFF credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Prepaid card (Gift or merchant card) with Google Compare Credit Cards Inc. (VA).
Issue: Unauthorized transactions/trans. issues

Complaint: I PURCHASED XXXX GOGGLE {$25.00} GIFT CARDS AND WHEN I WENT TO USE XXXX-IT HAS ALREADY BEEN USED. STILL HAVE THE GREY SECURE MARKINGS AND CALLED AND NO HELPI PURCHASED XXXX GOOGLE {$25.00} GIFT CARDS FOR MY SONS BIRTHDAY AROUND THE LAST WEEK OF XXXX 2015. I PUT THEM IN A DRAWER AS I HAVE A IPHONE AND HAVE NO NEED FOR THEM. MY SON ASKED IF HE COULD HAVE XXXX CARD AND I SAID YES, WE BOTH SCRATCHED OFF TOGETHER AND IT SAID REDEEMED. I WAS SHOCKED AND CALLED GOOGLE IMMEDIATELY AT XXXX. THE LADY I CALLED ON XXXX XXXX 2015 TOLD ME IT WOULD GET INVESTIGATED AND TO SEND PICS VIA EMAIL TO GOOGLE VIA EMAIL AT XXXXXXXXXXXX .I DID AND SHE SAID SHE WOULD GET BACK TO ME MONDAY OR TUESDAY XXXX THE XXXX AS IT WOULD BE LOOKED AT. I CALLED THEM ON TUESDAY THE XXXX AND THEY SAID THAT IF I DID NOT HAVE THE RECEIPT THERE WAS NOTHING THEY COULD DO. KEEP IN MIND THAT I SPENT {$75.00} AND THE CARDS GREY SECURE MARKINGS WAS STILL IN TACT AND GOOGLE SAID ALL XXXX CARDS WERE REDEEMED. AS U CAN SEE IT IS VERY FRUSTRATING AND I ASKED TO SPEAK TO A SUPERVISOR. THE NEXT PERSON ON THE LINE TO SPEAK TO ME WAS XXXX, HE WAS RUDE AND TOLD ME TO TAKE THE SCRATCHED CARD TO WHERE I PURCHASED AND AND BEG FOR MY MONEY BACK AS GOOGLE WOULD NOT DO ANYTHING TO HELP ME. WHEN I ASKED TO SPEAK TO HIS BOSS/HE WOULD NOT LET ME AND TOLD ME THAT I WOULD LOSE MY {$75.00} AND HE WOULD NOT HELP ME. I FEEL THAT THIS IS UNPROFESSIONAL AND UNETHICAL. I DONT SEE HOW A CARD COULD BE REDEEMED IF IT IS NOT SCRATCHED. I AM COMPLAINING TO MAKE IT KNOWN TO HEADQUARTERS AND TO MAKE THIS RIGHT. I JUS WANT MY SON TO HAVE A NICE BIRTHDAY AND IT SEEMS LIKE I AM GOING TO LOSE {$75.00} BECAUSE GOOGLE DOES NOT WANT TO HELP AND STAND BEHIND THIER PRODUCT. PLEASE CONTACT ME AND GET BACK TO ME AS SOON AS POSSIBLE AND HELP. THANK YOU FOR YOUR CONSIDERATION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have a card theft, somebody stooled my card number and they been taking a lot of money from my account, arount 18000 dollars, I check my statement every month approx. and I found this a few months ago, I made the claim four times now with no good result, they just say that I still the money my self and of course not, I already made a police report but they just says that I have to wait for a investigator to investigate my case and I paid another investigator already to help me with no success yet so am just keep looking for help and am desperate don't know what to do, I know my account has a rob protection but they just denied the credit and they says that I have to find and show them evidence to prove that am not the one took the money so they will give me my money back, but how I can do that nobody helps my I hope am on the success way with 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 monetary relief
Consumer complaint received 05-11-2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: A previous complain was submitted and I asked  Wells Fargo to waive double fees charged on my account, fix error on my transactions and they responded that my checking account has a high credit of waived fees. I was n't talking about my Checking Account, I am talking about my Saving  Account which is currently overdrawn.   They have n't waive any fees on my  Saving Account. A check was misplaced by the Bank. They canceled it on my checking account and deposited on my Saving Account after have it deposited on both accounts because they did n't giv e me available balance for it. I used the check balance from my checking account and they took that used money from my checking account twice and transferred it to my saving account causing its overdrawn, meaning they took the money from my checking and also from my saving account, canceled the check deposited on my checking which was the place I used the money from and took money from my saving account also for that same check.   They also charged me fees for transferring available balance on my saving account to my checking account. {$35.00} dollars fees were accessed because I transfer money and they overdrew my account after that charging me fees for the previous transfer.   They removed my Saving account from my online account and now I ca n't give you proof because they are smart and sneaky and removed me from online access.

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 12/13/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/2017 I OBTAIN A COPY OF MY CREDIT REPORT AND I NOTICE AGAIN XXXX XXXX XXXX CURRENTLY REPORTI

NG FOR 6 ACCOUNTS WHICH APPEARS TO BE DUPLCATE OF 4. ITS 6 ACCOUNTS 4 ARE THE SAME SHOWING THE SAME ACCOUNT NUMBERS BUT DIFFERENT OPEN DATES WITH THE SAME AMOUNT I CONTACT
ED XXXX XXXX XXXX FOR VALIDATION AND AFTER 30 DAYS I RECIEVED NOTHING I DONT BELIEVE THESE ARE MY DEBT AND SHOULD BE REMOVED IF XXXX XXXX CAN NOT PROVIDE THE PROPER INFORMATION ON THE DEBT REPORTED

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This complaint is about the account above and the reporting of the collector XXXX XXXX. I am XXXX XXXX, the debtor and Complainant in this complaint. I am filing this complaint about the account referenced above. 

The collector, XXXX XXXX, is reporting this debt to the credit reporting agency on behalf of XXXX. Both companies, XXXX XXXX and XXXX are based in XXXX, California. XXXX is the contract towing company for the XXXX of XXXX. My familiarity with the creditor is because I once lived two houses away from one of their employers, the brother of the owner. His daughter was my own daughters best friend when they were children. I have had no contact with any of these folks in over 12 years. 

I have never had a business relationship with the people or this company. I have had no business at all anywhere near the XXXX for over a decade. I have been XXXX and receiving XXXX for the past eight years. I have certainly had no reason to have a vehicle towed a distance that would result in charges of almost {$2000.00}. Ive not had a vehicle impounded either. I have no idea what the account is from. 

I have had no success in my own attempts to correct this situation, have the debt dropped and my credit report corrected. I appreciate any assistance you can give me through this complaint process. I have no documents about this alleged debt except a copy of the credit report. 

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