milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Privacy

Complaint: I am a credit card holder of the retail department store Macy 's. For more than four years I have held the " Macy 's Star Rewards '' credit card. I have an excellent payment record and credit limit of {$10000.00} with this particular card. The Macy 's card program seems to be managed by Department Stores National Bank. 
While shopping on Sunday, XX/XX/2016 at the Macy 's XXXX Mall location in Pennsylvania I was offered a XXXX percent discount if I " upgraded '' my current Macy 's account to a Macy 's American Express account. I accepted the offer as it was explained to me and completed my purchases. I received the new American Express Macy 's card in the mail and even discarded my old card under the impression that the American Express Macy 's card is my new card. I made additional purchases with this American Express card, again believing this was my one and only Macy 's account. After receiving XXXX Macy 's credit card statements within the past month with different due dates I contacted customer service and it is brought to my attention that this is not one Macy 's account, but XXXX separate accounts that I now have with Macy 's! I asked the customer service representative, assuming they are also a fiscally responsible individual, why would I ever open a second Macy 's credit account with a 25 percent interest rate and no balance or transfer offers, when I currently have an account with Macy 's with more than a sufficient amount of available credit?! I believe I was absolutely taken advantage of by what I experienced by the sales representative in-store having access to my financial information and very easily setting up a XXXX account with misrepresentation and miscommunication of a promotion. This practice was fraudulent, unethical, and takes advantage of creditworthy and financially responsible individuals.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: After carefully reviewing my credit report, the report showed credit inquiries and collection accounts that are not accurate. I did not authorize the inaccurate inquiries found on my credit report and I understand that the bureau are not to put an inquiry on my report unless I have authorized it. There are also some collection accounts listed on my credit report to be an error. I never had an account with those creditors and I do not owe those debts. 

On XX/XX/XXXX, I sent dispute letters to the credit bureau via certified mail so that the items could be investigated and reviewed with the creditor to be removed from my credit report if they can not verify the inquiries and collections by the provisions of the Fair Credit Reporting Act. 

As I stated, this was back in XX/XX/XXXX when I sent the dispute letters. It is nowXX/XX/XXXX-- 6 months  later and I have not receive a response back from the credit bureau regarding my dispute. Under the 15 U.S.C Sec. 1681i ( a ), the investigation must be complete within 30 days of receipt of the letter sent to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX & XXXX Account Number XXXX this account does not belongs to me it causing me a great deal of stress i would love to have them removed from my credit report XXXX & XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$240.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments -

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 06-09-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My identity thief has managed to open a credit card account with  XXXX . The balance is {$460.00}.  <P/> I do n't shop at  XXXX  and have never had a transaction with this company. The debt is showing over 90 days due. So the fraudulent charges must have been made in early   XXXX  . My credit should have been frozen by  XXXX , but that seems to not have been effective.  <P/> I do n't owe this debt, and my  credit score  has been damaged because the account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery attempts to collect a debt that I have no knowledge of. From previous contact with the collector, the address provided on a letter that was supposedly sent to me has never been a resident of mine. Case File XXXX In The Matter of Portfolio Recovery vs CFPB there is lack of documentation and no Lawful verification was done. Therefore, the information is not sufficient to form an opinion as to the truth or accuracy of Portfolio Recovery ' s claim. I request Portfolio Recovery to produce the original signed contract between the original company and I. Also produce a copy of any modifications to those terms agreed to SPECIFICALLY by myself. Please provide proof that Portfolio Recovery owns this debt and a contract showing an agreement between myself and the collecting company. Whereas no relationship exists between Portfolio Recovery and I and whereas I never signed a contract or agreement with Portfolio Recovery, I cite Lack of Privity. The referenced account should be removed from my credit report immediately. The collecting company continues to violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE A FORECLOSURE SALE SCHEDULED FOR XXXX/XXXX/2015. I HAVE APPLIED FOR MORTGAGE ASSISTANCE, BUT BECAUSE OF SLOPPY AND INCOMPETENT PROCESSING OF MY REQUEST FOR ASSISTANCE I WAS DENIED. I DISCLOSED ALL MY INCOME INCLUDING RENTAL INCOME AND TRUST INCOME. THE RENTAL AND TRUST INCOME WAS NOT CONSIDERED IN THE UNDERWRITING DECISION. THIS INCOME WAS IGNORED AND I WAS DENIED. I WAS TOLD THAT DESPITE THE FACT THAT I FULLY DISCLOSED ALL MY INCOME I WOULD NEED TO RE-APPLY FOR THEM TO CONSIDER ALL MY INCOME WHICH WOULD INCLUDE THE RENTAL AND TRUST INCOME. IN ADDITION, I HAVE NOT RECEIVED A WRITTEN DECISION NOR HAVE I BEEN PROVIDED A 30 DAY APPEAL PERIOD. INSTEAD, I HAVE BEEN GIVE A FORECLOSURE SALE DATE. MY SERVICER, RESIDENTIAL CREDIT SOLUTIONS, PREFERS TO PROFIT BY ANY AND ALL MEANS - EVEN IF IT MEANS TRAMPLING ON THE RIGHTS OF HOMEOWNERS AND VIOLATING THE LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX billing account does not belong to me, account is in another state, Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NJ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX I deposited a XXXX XXXX XXXX check XXXX {$4400.00} at a Citibank ATM in XXXX. Citi  incorrectly encoded the deposit for {$4900.00}. They later issued an adjustment debit of {$500.00} on XX/XX/XXXX ( Case # XXXX ). While this seems to be the correct course of action, Citi had already collected {$4900.00} from XXXX XXXX, evidenced by my XXXX XXXX XXXX statement. The {$500.00} was never received by XXXX XXXX despite my numerous attempts at contacting both banks. XXXX XXXX is requesting I contact Citibank, while Citibank is redirecting me back to XXXX 's. To date, I 've provided copies of the deposit along with Citi 's investigation report ( cited above ) to XXXX XXXX  whom attempted to reach Citibank on XX/XX/XXXX while issuing provisional credit- Citi had not  responded and the credit was reversed. This has surpassed 6 months, and neither bank is able to resolve this matter.

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 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Twice now I have disputed through Experian with supporting documentation and the receipt showing the judgement was paid and they still are reporting it as open and unpaid not satisfied.

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 non-monetary relief
Consumer complaint received 02/13/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX XXXX XXXX, previously XXXX XXXX XXXX XXXX owned our mortgage loan. XX/XX/XXXX, during our chapter XXXX bankruptcy XXXX XXXX XXXX sold our loan to XXXX on XX/XX/XXXX. XXXX foreclosed on our house XX/XX/XXXX. Our bankruptcy was discharged in XX/XX/XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and XXXX is reporting it as a foreclosure in XX/XX/XXXX. Our credit score has dropped XXXX points since XXXX started reporting the foreclosure in XX/XX/XXXX. Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and XXXX are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # XXXX XXXX XXXX SSN # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX XXXX loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX XXXX XXXX XXXXXXXXXXXX there is also a Tax Lien that has been paid and is not showing Paid.

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 non-monetary relief
Consumer complaint received 03/31/2016 about Debt collection (Payday loan) with 2288984 Ontario Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not apply for a pay day loan. I was defrauded at the XXXX banking instution and closed my accounts due to this non stop fraudulent activity. I was alerted by the credit karma that there was a new item on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX # XXXX is reporting a collection for Money Key # XXXX. I have also been contacted by XXXX XXXX with XXXX XXXX XXXX XXXX stating I owe this money regardless they have the wrong mailing address etc, I asked for tangible documents to be sent to me to file a complaint and he hung up on me. I then contacted XXXX XXXX and spoke with XXXX who stated that they outsourced the collections to XXXX XXXX and that I should ask for a supervisor. I dispute the validity of this collection item and want it closed and removed from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: MY STUDENT LOANS ARE WITH XXXX XXXX XXXX.  IN XX/XX/XXXX, I STARTED WORKING FOR THE XXXX XXXX XXXX.  MY COWORKER TOLD ME ABOUT THE STUDENT LOAN FORGIVENESS FOR CIVIL SERVANTS WHO MAKE 120 PAYMENTS WHILE A CIVIL SERVANT.  I ASKED HER IF SHE CALLED ABOUT IT TO VERIFY, SHE SAID THAT SHE HAD NOT.  THAT DAY, I CALLED MY BORROWER TO ASK ABOUT THE PROGRAM.  THEY ASKED WHERE I WORKED, I TOLD THEM AND THEY SAID THAT YES, AFTER TWN YEARS OF PAYMENTS, OR 120 PAYMENTS WHILE EMPLOYED WITH THE AGENCY, I WOULD QUALIFY FOR STUDENT LOAN FORGIVENESS.  AWESOME.  THEN IN XX/XX/XXXX, I CALLED AGAIN TO INQUIRE IF GOING ON XXXX LEAVE WOULD AFFECT THE PROGRAM ELLIGIBILITY.  THEY SAID THAT WHILE, NO, IT WOULD NOT, I DID NOT QUALIFY SINCE MY LOANS WERE NOT CONSOLODATED A CERTAIN WAY.  I WAS SO UPSET.  I ASKED ABOUT CONSOLODATION.  THE LENDER TOLD ME THAT I NEEDED TO GO ON A PAYMENT PLAN THAT WOULD TAKE MY STUDENT LOAN PAYMENTS FROM $300 (SOMEWHERE IN THAT NEIGHBORHOOD) TO NEARLY $900!  I AM A XXXX XXXX, MY HUSBAND IS MILITARY.  WE COULD NOT AFFORD THAT.  ESPECIALLY AFTER HAVING JUST HAD A NEW XXXX AND HAVING TO DEAL WITH ALL THE COSTS ASSOCIATED WITH THAT.  HEARTBROKEN, I ACCEPTED WHAT THE LOAN OFFICER SAID AND HUNG UP THE PHONE.  THEN I DECIDED TO CALL AGAIN IN XX/XX/XXXX, THAT LOAN OFFICER HAD ME COMPLETE THE OMB NO XXXX OR THE PUBLIC SERVICE LOAN FORGIVENESS EMPLOYMENT CERTIFICATION FORM.  I SENT IT IN WITH MY WAGE VERIFICATION AND CONSOLODATED MY LOANS UNDER AN INCOME DRIVEN PLAN.  FOR SOME REASON, THIS LOAN OFFICER SAID MY PAYMENT PLAN WOULD BE ONLY $XXXX, HALF WHAT WAS QUATED TO ME TWO YEARS PREVIOUSLY.  THAT WE COULD AFFORD.  SO I SUBMITTED EVERYTHING AND MY PAYMENTS WENT UP.  I JUST CALLED AGAIN IN XX/XX/XXXX AND FOUND OUT THAT I AM STILL NOT ON THE PROGRAM.  THE LOAN OFFICER INFORMED ME THAT I NEED TO RECERTIFY MY EMPLOYMENT (WHICH I WILL DO) BUT MENTIONED I NEED TO BE DOING THIS EVERY YEAR.  NOBODY MENTIONED THIS TO ME AT ANY TIME NOR HAVE I RECEIVED ANY MAILER TO THAT EFFECT.  I WORK FOR A XXXX XXXX, WE "RECERTIFY FOR BENEFITS" EVERY DAY.  WE SEND NOTICES, WE SEND THE FORMS, WE SUSPEND IF WE DO NOT HEAR BACK.  THIS XXXX WILL MAKE 8 YEARS OF XXXX XXXX, 8 YEARS THAT SHOULD HAVE QUALIFIED FOR STUDENT LOAN FORGIVENESS.  I HAVE NEVER BEEN LATE, I HAVE ALWAYS PAID ON TIME.  I WANT THOSE YEARS, AND THOSE PAYMENTS TO MATTER.  I DON'T WANT SPECIAL TREATMENT, I ONLY WANT WHAT I AM ENTITLED TO UNDER THE LAW.  PLEASE ASSIST IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Medical) with North American Credit Services (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I paid North American Credit Servies XXXX XXXX, TN XXXX XXXX or XXXX, {$55.00} towards account # XXXX. They sold the debt to another creditor and now tell me they have no record of the 2 transactions. My original account # XXXX and secondary account # XXXX. My payment confirmations # 's XXXX {$50.00} and # XXXX paid XX/XX/XXXX for {$5.00}. When I called to ask about the missing {$55.00} they told me to call the original hospital ( florida hospital ) for a list of payments. When I called the hospital they said they have no record. My debt was {$230.00}, I paid {$55.00} leaving {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Medical debt) with Turning Point Solutions LLC (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am receiving continuous harassing phone calls from XXXX XXXX from Advance Capital Solutions in regards to an alleged medical bill in XXXX XXXX. I requested an itemized summary of the bill and failed to prove the alleged debt is my debt. The company did not provide me with an itemized bill as requested and threatens to sue on behalf of his client if payment is not made quickly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I find many inquiry which i did n't authorize on my credit report and which i did n't know of them putting inquiry on my report, try to contact them with sending them letter they all telling me that they do n't have any file under my name or account under my name. I did call tans-union to let them know about the inquiry issue on my credit report and the representative did n't want to remove those. That why Im complaining here are all the inquiry 's - XXXX XXXX XXXX : inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX -- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX Inquiry : XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/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 06-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name has never been XXXX XXXX and there are addresses that are not mine

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 04/28/2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: AAFES charged off  XXXX  accounts in  XXXX , in  XXXX  they ( legally? ) started collection actions on the debts. A payment plan was agreed upon and it has been paid each month since.     " The main issue is that they are charging 19 % interest on this charged off debt collection. '' Also, my credit reports show only that the debt was charged off in  XXXX  so they are in essence double dipping on this debt and I am not getting any credit for paying it on time and in ful l. THISSHOULD BE  ILLEGAL!     Hopefully at some point  AAFES  tactics and lawlessness is brought to justice.

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 11/28/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: While employed at Bank of America, I made contributions to a Health Savings Account ( HSA ) during XXXX. I was fired from Bank of America on XX/XX/XXXX. 
On XX/XX/XXXX I logged on to the Health Benefit Solutions website ( https : //benefitsolutions.bankofamerica.com ) and saw that my HSA account has been charged a " maintenance fee '' of {$4.00} per month, beginning on XX/XX/XXXX. 

I called Bank of America Health Benefit Solutions, where a representative told me that my HSA status migrated from " Group '' to " Individual '' when I was fired, and as an " Individual '' I was subject to this {$4.00} per month " maintenance fee ''. This fee supposedly covers expenses for Visa debit card transactions and the mobile app. When I asked to speak with a Supervisor ( XXXX, Agent ID XXXX ), I explained to her that I was never notified of this fee. Moreover, my account has not been " active '' in terms of generating new transactions, so I see no valid explanation for a maintenance fee over this time frame. XXXX said she was unable to waive the fee unless I had a private wealth management account with Merrill Lynch.

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 04/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Pinnacle is false reporting saying that they are a financial corporation and that I have a loan with them ... .they are actually a collection agency and it 's a collection for XXXX XXXX. I have disputed this many of times with the bureaus and they verify as accurate ....

Company response to consumer: Closed with explanation