milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Dear CFPB, I am sending you this complaint as attempt to resolve an alleged debt matter with a collection agency by the name of Pinnacle Credit Service. I review my credit reports on a monthly basis 's to ensure accuracy. In XXXX, XXXX I reviewed my credit report and discovered a collection account reporting from Pinnacle Credit Service, The account is reporting as follows. 
1. Pinnacle Credit Service, Account # XXXX, Balance {$290.00} On XXXX XXXX, XXXX I sent a request for validation to Pinnacle Credit Service requesting for validation. XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX advising me that they are representing their client Pinnacle Credit Service and that they were in the process of obtaining validation from the creditor. Time has passed and I have not received any communication from the collection agency regarding my claim since. I sent XXXX more request for validation on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and still have not received the validation request. I also made a phone call to Pinnacle Credit Service in between the time frame the validation requests were sent and was advised by Pinnacle that they 're not handling the account to contact XXXX XXXX. When I spoke with XXXX XXXX I was advised by them, they will mail me documents in the mail. 

It 's now XXXX XXXX, XXXX, I not received the validation I requested. I have made numerous attempts to resolve this situation with Pinnacle. Whom still until this day reports the derogatory account on my credit report failing to validate the debt which is a violation under the FDCPA at this time Pinnacle Credit Service had sufficient amount of time to provide me the validation request I requested in writing three times and XXXX time by phone conversation with a representative. I request that Pinnacle Credit service remove the debt from my credit report with all three major credit reporting agencies ASAP, Thank you for assisting me with resolving this matter with Pinnacle Credit Service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon being denied from a lender for too many inquires on my XXXX report, I decided to check my reports from all three credit bureaus for accuracy. I have noticed there are inquired from XXXX, XXXX and Experian credit report that I DID NOT authorize and I had no knowledge of. I contacted all three credit bureaus immediately by phone and two letters and was give no relief. I also have a fraud alert already in place to avoid any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME TO PULL my credit for any reason : XXXX : 1. XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX  XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 11. XXXX XXXX XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13. XXXX XXXX XXXX XXXX Experian : 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/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 04/27/2015 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with XXXX since XX/XX/XXXX to fined a workable solution for a balloon Heloc that has no repayment terms other than the Balloon payment XXXX has refused to work with me. In XX/XX/XXXX I filed a complaint to CFPB about this loan in the XXXX response XXXX stated they will review my situation in 60 days they did not. They STILL have offered zero solution other than for me to pay them XXXX immediately. In addition they do not have not a a single point of contact with me this is a violation of the CFBP settlement. For example of the last XXXX single point apoitment I have had with them my rep was only there for 1. I have had different reps call me most of whom I can not understand because of poor English skills, in addition they have made very many edited notes to my account so the substitute point of contact in unable to help me. Also-they have told me they can not help me only the investor can as they are not the bank yet the investor ( Citizens Financial ) stated that it is up to XXXX as they are the servicer and it would be '' unfair '' to their other customers to help me- in addition I have left XXXX different messages with the Ombudsman at XXXX who answered my original complaint with CFPB, she will not return my calls even though she has stated for me to call her with any questions. I need some type of solution XXXX last week told me to apply for another modification however both my self and with the help of a hud loan counsler I have applied 3 times to XXXX to be turned down I told XXXX nothing has changed so they said I will be turned down but I should apply anyway, I do not understand why they would want me to apply if im going to be turned down, its very apparent that this is a pre scripted response delivered by incompetent call reps. Obviously from the many similar complaints about XXXX to the CFBP this is pattern of unethical behavior. I want a solution Immediately XXXX agreed to help home owners in the settlement with my CFBP I demand that they comply.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient is just poor, all around. Poor customer service, poor loan servicing, poor plan options. I have submitted paperwork for a lower payment on two different occasions, yet they tell me they did n't receive it, or they tell me it 's processing. I can not afford the payment they are STICKING me with and they are not giving me any other options. I have submitted bank statements and all required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Forbearance / Workout plans

Complaint: The account was in my name, but my husband managed it during our marriage. Once the divorce dust settled, I had control of the card, with a XXXX balance and a $ XXXX limit. However, I did *not* have access to the online account. I could n't pass the security questions, since I did n't know if " father 's middle name '' meant *my* father or my ex-husband 's father. And since the account had been active for at least XXXX years, I did n't know which phone number, address, or even state they were asking for. I called the Bank several times to tell them that I did n't have access, especially since they sent all communication and statements to the online account. All anyone would say was that they did n't have access to my account and could n't help me. Throughout XXXX years of unemployment, I tried to find work, but could n't. I ended up borrowing about $ XXXX against the card. I managed to continue payments, even as I was losing my house. I discovered that my online statement was n't what I thought it should be, but I could n't get into the online account to find out what was going on. Again, I contacted the bank, but found no help there. I finally found work in XXXX. Before leaving, I went to the bank in person, although I had never banked with them face to face. The banker took over an hour calling various people, but was finally able to figure out what had happened. At some point, they had raised my interest rate -- informing me via the online account. My regular monthly payment was then less than the amount due, and so incurred penalties and interest. That then raised the payment due, which had a snowball effect. I was then nearly $ XXXX in debt to them, almost as much as the total I had borrowed years prior. The bank and I reached an agreement in which the card was canceled and I would make payments of about $ XXXX for XXXX years. Realize, as I pointed out to them, that since I was moving to XXXX, I could easily have skipped out on the debt. However, I wanted to do what was right. After XXXX years of payments, I received a statement via email with the total in the body of the email, not in the online account. I was shocked to discover that the total owed had not changed. That told me the bank had continued assessing penalties and interest. I stopped paying. Now they are trying to serve me with a summons for a lawsuit, again for just under $ XXXX. Granted, they wo n't have much luck with that with my living in XXXX, but I still hate that I owe these vultures anything. I ca n't prove anything, since any paperwork we signed will be in a file somewhere in a storage unit in Maryland. I 'm going to have to scrounge to even find the account number! I would have no problem declaring bankruptcy, but now that my mortgage has been foreclosed on, I do n't have any other debts. I also do n't own anything ( house, car, property, etc. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Advertising and marketing

Complaint: I accepted a credit card off for the Barclays XXXX XXXX. The initial disclosure provided to me indicated a promotional rate of 0.00 APR on purchases ( 6 months ) and balance transfers ( for 15 months ). Upon receiving my card the disclosure provided did not reference the promotional rate on the balance transfers, therefore I called the company to discuss and was told the promotional was only on purchases. Therefore, I submitted a complaint through the bank 's website on XXXX/XXXX/15. After several back and forth responses and a letter received, it was still being indicated the promotional rate is only on purchases. As already expressed this is not what was initially disclosed to me and therefore this is deceptive to me as a consumer as I made a credit decision based on the initially information provided to me that appear to be false. I have provided the link below that provided the terms and conditions of the card that included the promotional rate of balance transfers. My other concern is what other deceptive practices might the bank be conducting. 

https : //www.barclaycardus.com/apply/Landing.action? XXXX & XXXX : //www.barclaycardus.com/app/japply/lp/TnCs.jsp? XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE CONTACTED EXPERIAN CREDIT BUREAU ABOUT THIS FRAUDULENT BANK RUPTCY COURT XXXX XXXX. THIS IS NOT MIND AND I DID NOT GIVE ANYONE CONSENT TO USE MY NAME OR INFORMATION.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (NY).
Issue: Problem with customer service

Complaint: I attempted to get a refund from Equifax, and they are refusing. I have been attempting to get a resolution with them since the announcement of the security breach, but have had no success, and have been assessed additional fees as this process drags out.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have information that states that Bank of America purchased my mortgage loan from XXXX XXXX XXXX XX/XX/2006. I have filed many complaints and send communications to Bank of America to get all the information regarding this transaction but I have never received any response with said information. All entities keep giving me the runaround which confirms my allegations that no one really knows who owns my mortgage and note and all my documents are fraudulent. I am attaching Debt Validation Letter, QWR, and documents showing Bank of America purchased this loan in hopes that I can finally get some answers. I WANT ANSWERS AND I WANT SOLID CERTIFICATED PROOF OF WHO OWNS MY LOAN.

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 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent XXXX certified letters to the company requesting more information and they have chosen to ignore my communications and also to not put disputed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I paid of my mortgage in XXXX XXXX sum of {$85000.00} they deleted it with out my consent I never ever even disputed nor did I try they removed my paid of XXXX XXXX XXXX sum {$35000.00} as XXXX XXXX the deleted my ally loan sum of {$29000.00} as of XXXX XXXX then I called them yesterday told them on XXXX/XXXX/XXXX that there was suspicious phone number XXXX on my fraud alert hows that they did n't know I asked them would they please change it back they did they asked XXXX security questions only I would no you hade XXXX anser each question with XXXX correct answers I did that it was good they deleted the old number that 's not mine put in correct number XXXX that was there from when the fraud alert was put on XXXX XXXX he was trying too figure out how that happened as seen the some one added extended fraud alert with that new number trying too block me from my credit report its raised red flag with them they were nice enough too help me out I told them I got there credit monitor as yesterday XXXX/XXXX/XXXX too protect me know but we have problem XXXX inquiries within starting XXXX XXXX till as of XXXX/XXXX/XXXX I called them on XXXX/XXXX/XXXX added security freeze I have the new freeze number they removed the old one due too some one got my mail transferred are come buy checked it took it out and try too block me out please help me I hade perfect XXXX with transunion in XXXX XXXX too XXXX XXXX know in down too XXXX what happen my house was deleted my XXXX paid loans were deleted XXXX has the paid mortgage and the XXXX car loans that are paid in full as well I tried too share them with them they told me nope they do n't do that yes there supposed too do that that 's my loans I worked hard too pay off all ask of them too do the wright thing as worked so hard too keep some what good credit it took some one trying too steal my identity too crash it please help me I know who has are trying too do this thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2016 about Debt collection (I do not know) with EOS Holdings, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Regular robo calls from EOSCCA XXXX XXXX XXXX XXXX MA XXXX XXXX a debt collector with only a phone number. 
We have no debts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (HI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Had my card declined, calle d Barclays and was told my account was closed and needed to wait for the letter that was sent out with explanation. Well the letter came a few days later stating the reason as negative public record identified. Called Barclays  again and was told that was all they could not elaborate and that it was company policy! I told them that I ca n't find any negative public record, so where and how did they. That told me to write the office of the president! Would n't give me an email address, found email address on company site!, told me to write a letter, gave me address! So sneaky!

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 05-03-2016 about Debt collection (I do not know) with OCWEN LOAN SERVICING LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of XXXX your agency completed an investigation and entered into a Consent Judgment with Ocwen Financial Corporation and Ocwen Loan Servicing , LLC for unlawful conduct related to loan servicing and foreclosure processing.The purpose of this communication is to alert you to the fact that Ocwen has, to the best of my knowledge and belief, violated that agreement pertaining to one of the most significant restrictions in that agreement, i.e. : submitting forged documents in a judicial foreclosure proceeding. 

The history of our case is lengthy and not necessary to detail at this time other than there have been three attempts to foreclose on our home since XXXX and all have failed due to submission or public recording of a plethora of fraudulent and/or forged documents. 

The most recent attempt to foreclose was filed on XXXX XXXX, XXXX which contained exhibits and documents supplied by Ocwen as the loan servicer. Among the exhibits was an XXXX to the Note which had not previously appeared in the preceding foreclosure filed in XXXX nor did it surface in a Chapter XXXX bankruptcy filed previous to the XXXX foreclosure action. 

Despite Ocwen 's assurance to your agency ( as well as all of the Attorneys General listed in the Consent Judgment ) that they would refrain from using fraudulent or forged documents in foreclosure proceedings, Ocwen included this ( undated ) Allonge to the Note in this third foreclosure filing even though there should have been historical records available to them to verify the validity of the initials of XXXX XXXX Option One, on this very important document. My own diligent research uncovered what I believed to be XXXX XXXX actual initials and handwriting derived from her very own mortgage documents. I hired a handwriting expert to compare the initials on the XXXX to actual mortgage documents of XXXX XXXX and the conclusion was that it was not the same individual. Once I supplied this information to my attorney and he in turn supplied it to counsel for the Plaintiff ( XXXX XXXX ) just prior to trial, Plaintiff mysteriously and suddenly withdrew their complaint and counsel for Plaintiff also quickly withdrew their representation of Plaintiff. 

In addition to recording a forged/fraudulent document in a court proceeding, Ocwen continues to harass us by mail in attempt to collect a debt that was categorized in default at the time they ( or their predecessors ) obtained the account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I have a problem with XXXX loans that are reporting that I did n't have. The Rep says they were consolidated and sold to another company but that company is not listed on my report. There are also XXXX loans that were consolidated but the old loans were not closed on the report after the consolidation so they reported with late statues even XXXX years after the loan were consolidated. I reached out to XXXX XXXX XXXX but there record keeping is so poor they ca n't seem to figure out when they took over the loans. The companies are XXXX XXXX XXXX and XXXX XXXX and XXXX and XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with American Accounts & Advisers Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: American Accounts Advisors had previous removed this account in 2014. It 's showing up again. Its not my account. I never signed anything with XXXX XXXX. Never needed their service never opened an account. This is now turned to collection harassment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: ISSUE 1 : XXXX XXXX, 2017 XXXX XXXX UTC -- XXXX LTC ( Litecoin ) was sold from my account for XXXX BTC with a fee of XXXX BTC. At that time the rate for BTC/LTC was about XXXX BTC/LTC. This is currently worth over {$10000.00} USD. ISSUE 2 : It has been nearly 1 week after this incident. I can not access ANY of my funds in XXXX since the above time. Furthermore, Coinbase is having a week-long " minor outage '' affecting everyone. ISSUE 3 : Customer service? There is none. They do not respond and I can not speak with a person.

Company response to consumer: Closed with explanation