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: Hello CFPB employee, On XXXX XXXX, 2015 I sent a request for validation to Pinnacle Credit Services LLC regarding a collection account that they are reporting on my credit reports. Since sending the validation request I have not received a response or the requested information in my request to Pinnacle Credit Services LLC. 
XXXX XXXX, 2015 I sent a XXXX request for validation and again time went on and still nothing received to me from Pinnacle Credit Service. Pinnacle Credit Service has violated my consumer rights under the FDCPA by not supplying me with the proof needed to validate the debt they claim I owe. I 'am coming to you the CFPB for assistance for Pinnacle Credit Service to follow the laws they 're governed by. I 'm requesting that Pinnacle remove the collection debt ( Pinnacle Credit Service, Account # XXXX ) Balance {$570.00} with all credit bureaus, due to no response from the collection agency. Several attempts on my end as the consumer to resolve this matter with Pinnacle has been made. 


Thank you CFPB In advance XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: Re : PNC Bank, Checking Account # : XXXX Whom it May Concern ; I have tried to work out this issue with the bank to no avail. On XXXX XXXX, 2015 I deposited funds into my account for my payment to XXXX in, the amount of {$150.00}, on XXXX XXXX, 2015 and payment to cover check XXXX on XXXX XXXX, 2015 to clear. At that time I did not realize that the payment of {$35.00} to XXXX XXXX, online banking check XXXX, had not cleared to date. 

I am a XXXX XXXX veteran suffering from a XXXX in XXXX and I have compromised short-term and long-term memory. I find it very difficult to keep track of online banking items when they do not appear in the pending section on the online statements. I think it is the statements fault that my account had NSF during this time due to the fact that it made it difficult for me to keep track of the online bill payments. I think the fees should be refunded to me. 

Furthermore, with a limited income that I receive at the beginning of the month, the discriminating bank charges multiple until I am able to reconcile my account. 

Sincerely ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Consumer Loan (Vehicle loan) with NATIONWIDE ACCEPTANCE CORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: Nationwide Acceptance 's website says I owe a certain amount of money significantly less than my monthly payment. They acknowledge their website is wrong and says it does not calculate interest correctly when overpaying the monthly loan amount. Then the debt collection phone calls started, where 80 % of the calls came from blocked numbers ( says No Caller ID ). I have been hung up on and told the phone calls will not stopped. Additionally, when trying to resolve the issues and be current, I called two days before the next payment was due to fix the issue and they choose to only disclose the amount I owed for one month instead of two ( due to their errors on the website ). Later, still trying to fix the problem and be current, I was told there were little notes on the discussion and I was mistaken. When talking to an actual branch in Nevada ( different from their collections office located in Illinois who never returned my call ), when I told them about the blocked calls they denied ever doing it and their legal team is big and welcome complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Student loan (Federal student loan servicing) with U.S. BANCORP (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My Subsidized loan from US bank is serviced by XXXX XXXX XXXX and recently transferred to XXXX XXXX. 

My interest rate with XXXX was 1.25 % with incentive program utilizing direct draft with on time payments for XXXX years. My loan was transferred to XXXX XXXX XXXX XXXX without notification from XXXX by email or by letter correspondence. When I spoke to XXXX they told me they did not have any way of verifying a letter was sent. 
Because my direct draft was not set up with XXXX XXXX upon transfer I was unaware I was missing payments until I was 3 months late. XXXX XXXX has now removed my incentive and my current interest rate is 2.87 % because of delinquent payment. 
Once I realized what happened I contacted XXXX XXXX and made payment in full and set up direct draft. However I was told that I was no longer able to receive any incentive and my interest rate will stay at the higher rate. 

I feel this is considered student loan consumer fraud for service providers to transfer loans back and forth knowing that a few consumers will not recognize the direct draft is cancelled and allowing the new providers to charge a higher interest rate for failure to make payment. In my case more than double.

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 03/28/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am the XXXX of the XXXX XXXX XXXX XXXX XXXX ( XXXX ), a XXXX of approximately XXXX homes in the XXXX, TX area. Our average home price is between $ XXXX to $ XXXX. There is unfortunately a home located at XXXX XXXX XXXX, XXXX, TX XXXX that has been vacant for the past five or so years after the owner was placed in a XXXX XXXX. XXXX has had to spend {$30.00} per week to maintain the yard as the mortgage company does not have anyone maintaining the home. This has been going on now for over five years. The home continues to deteriorate to the dismay of the neighbors and the community. The back yard is a health hazard due to overgrown vegetation. The mortgage company is Ocwen Mortgage and of course they refuse to speak to anyone about the home due to privacy reasons. The home has never been posted for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I checked my credit report and noticed 3 late payments reported by Navient while my loans with them were in Administrative Forbearance. The late payments was reported XX/XX/2016, XX/XX/2016, and XX/XX/2016 my Administrative Forbearance was from XX/XX/2016 to XX/XX/2016. After noticing the error of the the late payments being reported I notified Navient and was sent a letter to give to the credit bureaus to update the information. The letter states that my loans were in Administrative Forbearance during the time the late payments was issued. This was done back in XX/XX/2016 to this day the late payments are still on all XXXX of my credit reports. Navient has been unpleasant to work with concerning this matter. I have paperwork to submit to verify of the Administrative Forbearance during the months in question. I just want this matter fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Upon receiving my credit report, Ive discovered the following addresses are STILL listed incorrectly on my credit file. The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 09/22/2017 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: T
rans Union XXXX XXXX XXXX XXXX, PA XXXX Dear Trans Union : The credit inquiry named XXXX is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XXXX  2016 If you can not provide such documentation, you are obligated to remove the offending inquiry at once.
Sincerely yours, 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 06/20/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Problems when you are unable to pay

Complaint: In the XX/XX/XXXX my husband lost his job and well fell behind in making payments on an installment loan with Springleaf Financial. A judgment was filed for the loan. I was able to get caught up on the loan and paid it off early in the XX/XX/XXXX. I have been requesting since then that the manager and now corporate submit an update to XXXX County to reflect that the judgment has been satisfied for 3 years. To date no action has been taken to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit reporting () with Horizon Financial Management (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a XXXX XXXX and was billed for an amount of {$300.00} after my insurance deduction. I was unable to pay this amount to the original creditor ( XXXX XXXX XXXX ) and therefore was sent to collection. In XXXX XXXX, I paid off this amount to the collection Agency ( Horizon Financial ) through my bank, XXXX XXXX XXXX XXXX, and I requested my husband to follow up with the collection Agency to make sure they take away the derogatory remarks on my credit report and close the account. He spoke with a lady called XXXX at Horizon Financial who assured us that this will be done. 
However, 8months down the line, the negative reporting is still on my credit report and when my husband called on XXXX XXXX, XXXX at XXXX ET, he spoke with the same XXXX who says that, although the account has been paid, the derogatory remarks will still be there. Also, the account remained opened on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I first contacted the hospital in reference to XXXX medical bills showing on my credit report. They would not give me any information about this debt, saying that all communication must go through the collection agency. They stated I must contact Syndicated Office Systems for any information. I called Syndicated Office Systems and inquired. They refused to give me any information about the debts, dates of treatment or anything else. They insisted that I must provide them a phone number, even after I advised them of my name and SSN. Their representative was rude and abusive and hung up on me when I advised him that I would not supply a telephone number.

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 Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Trouble during payment process

Complaint: Immediately after closing our mortgage with XXXX XXXX XXXX, it was sold to a different company called Nationstar Mortgage. My husband and I each send Nationstar Mortgage, which recently changed their name to Mr. Cooper, more than our required payment ever month. My husband is paid bi-weekly and I am paid monthly. We each send a partial payment after each paycheck we receive, and the total monthly payment is always more than required. 

Every single month Nationstar fails to apply our payments to our account. Instead, they hold the fund in some reserve account that does not apply to our principal or accrued interest. Without fail, we have to call them to correct the mistake. Several times they have sent us letters saying our account is in default for not making payments, when in reality we were ahead of our payment schedule by several months. 

They also often fail to apply our extra payments to the principal, and instead apply them as regular payments in an attempt to increase the interest owed on the loan. 

This is a recurring problem with every payment we have made to the company. Reading the review on the XXXX XXXX XXXX website, it seems to be a common complain among other consumers. I feel cheated because I did not choose this company but am now stuck with them as my loan servicer. 

Is there anything CFPB can do to have my loan transferred to another servicer. I feel the company in changing their name is attempting to escape responsibility for their predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Medical debt) with CCS Financial Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a copy of my credit report and i had to collections account from this company CREDIT CONTROL SERVICES Which I Do n't recall oweing i have also been getting phone calls from them they are refusing to send me any documents showing that i am the correct person they need to follow the Law and stop calling my cell phone all the time and send me proof that i owe these debts or delete them off my credit profile partial account #  XXXX ,  XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit card () with BARCLAYS BANK DELAWARE (LA).
Issue: APR or interest rate

Complaint: I was interested in opening a credit card account with UPromise by Sallie Mae, so I filled out the appropriate information so that they could run an instant credit report check. After the check I was approved, and offered a contract of 14.24 % with a {$2000.00} credit line. When I received the card and terms in the mail the contract had now been adjusted to 23.24 %. I immediately called their service number and informed them I had been promised a 14.24 % contract. They offered no excuse except to close the account for me. After closing the account they told me to destroy all documents and emails that I had pertaining to the account and card.

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 09-07-2016 about Debt collection (Medical) with EVERGREEN PROFESSIONAL RECOVERIES, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Evergreen Pro Recovery sent information to XXXX and XXXX some how put someone else on my report {$100.00} can you please help me get this off my records???

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
Consumer complaint received 08/27/2015 about Consumer Loan (Installment loan) with Armed Forces Loans of Nevada Inc. (MD).
Issue: Managing the loan or lease

Complaint: I took out a loan with a company Called Armed Forces Loans of XXXX. I was active duty military at the time and I was in need of a loan due to unexpected expenses. I received an approval through Armed Forces Loans of XXXX. At the time I was just excited to get approved for the funds that I need, but as time went on I realized I was in a much better situation without the funds from this company than before I made contact with this company. 

I was charged interest rates upwards of 34 % which I know now is not allowed for XXXX military members for an interest rate to be so high it should be maxed at 6 % ( due to laws such as the SCRA etc. ), this interest rate is also not allowed for the state of XXXX Residents. I was also not aware that this company may not even be allowed to lend to Maryland residents due to not being licensed in the state or not following the XXXX interest rate guidelines. 

This company has left countless remarks on my credit report in order to get this debt collected and it has become very damaging to my credit profile. I am willing to take full responsibility for the debt and I would like to get this account settled but only if this is indeed legal account ( loan ). 
I would like to request the company send me : A copy of my full account statement ( Loan Amount and Terms ( signed by me ) to include interest and fees ) which have never been provided by the company and are not available on my online account. 
Also I request the company send me their License information that grants them authority to lend in the State of XXXX and or to XXXX Residents. 
Any other relevant documentation to prove this company has the ability to lend to myself. 

While this process is ongoing I would like Armed Forces Loans to remove all account information ( collection accounts, derogatory remarks etc. ) and to cease collection attempts. 
It has been brought to my attention that I may be a victim of deceptive lending or predatory lending and if this is the case due to what has been listed above then this account should become void. It makes this very suspicious when they do not want to reveal original documents or provide certain proofs that are required by law. 

Upon the Company receiving this complaint I wish that if I am wrong about any of the above mentioned that they will not show any type of retaliation efforts and cause more damage to my credit than they already are. I am just a concerned consumer that wishes to verify my rights. 

I do not wish for Armed Forces Loan to contact me until they can provide what was listed about as I do not want to be put in a more stressful situation than this already is.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am having issues with what is believed to be a mixed report with another individual. I have initiated disputes with the credit bureau. After several calls to the credit bureau, they finally initiated a proper investigation. I received notification from the credit bureau that on XXXX/XXXX/2016, the item has been deleted from my credit file. On XXXX/XXXX/2016, I looked at my credit file and the item was still reporting. I called the credit bureau, and after getting several different excuses about why the item was still reporting, I was finally told that there was an error within their system and the item would be completely deleted within 24 hours. I called back after 48 hours and my file has been placed with a special department within their company is handling my file now. They will not allow me to access my own credit file, nor will they allow potential creditors to view my file. I was told that in order to apply for credit somewhere, I need to contact them beforehand so they can allow the potential creditor access to my credit file. I did not request that they do this. This is very inconvenient. I also have credit monitoring services that I am paying for that do not have access to my file because of this unauthorized tactic by the credit bureau. 

They also placed an inquiry on my file that I did not give them permission to pull. They are the credit reporting agency, so they should have access to the credit file without have to do a " hard pull '' to view a persons credit file.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: fraud error dont know but they are not mine inaccurate information must be removed .... violation of all my right as a consumer i sent several letter to all the company listed speedy cash a lot of inquires that are not mine transunion, XXXX and XXXX will be all disputes in the mail of the violation that they have put on my credit report ... ..

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 11/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with Mobiloans, LLC (CA).
Issue: Struggling to pay your loan

Complaint: I currently have an open loan with Mobiloans an online lender, I received a loan from this lender for XXXX $ on XX/XX/XXXX and have been making biweekly payments XXXX $ XX/XX/XXXX,XXXX $ XX/XX/XXXX,XXXX $ XX/XX/XXXX,XXXX $ XX/XX/XXXX, XXXX $ XX/XX/XXXX which has been ACH debited from my account, I have paid XXXX $ to date XX/XX/XXXX, this loan is illegal in my state of CA and I want to pay what is owed on principal XXXX $ and the debt considered paid in full and have this account closed.I sent them a written notice making them aware of this and they have refused.

Company response to consumer: Untimely response
Consumer complaint received 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Convergent has re aged and reinserted the alleged debt from XXXX on my Credit Reports. They are listing this account as having activity in XX/XX/XXXX which is incorrect and a violation of the law. 

These trade lines were removed as a result of a dispute by me in XX/XX/XXXX. 

This reinsertion came with no notification in writing to me. I noticed when I pulled my reports.

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