vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: AL

Complaint narrative:
Pinnacle Credit Services placed {$2100.00} against me on my credit reports stating that the original creditor is XXXX XXXX. This is listed on my CR 's with all XXXX credit bureau 's. I called Pinnacle Credit Services and I asked to speak to a manager on several occasions. The last time I called today they transferred me to a disconnected number, and hung up. I called again only to be told that nobody there would speak to me and that I had to pay the debt or I would be arrested and was told they do not have to provide me proof since they bought the debt. I called XXXX XXXX and they told me that they can not find any information, and that I had to speak with Pinnacle Credit Services. I do not owe a debt too XXXX XXXX nor Pinnacle Credit Services. This was placed on my Credit reports in XXXX of 2012. Every month this reports and makes it impossible for me to go forward financially. I receive numerous calls from Pinnacle only for them to hang up as soon as I say hello. I only know its them because I XXXX the calling phone numbers. I now have them blocked from calling me because now it 's also harassment with no communication. I filed a dispute today with the Minnesota XXXX. I have also disputed this debt with the Credit Bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Healthcare Receivables Group, Inc.
State: SC

Complaint narrative:
I ASKED FOR VALIDATION OF DEBT AND AS OF TODAY HAVE NOT RECEIVED ANYTHING BUT STILL CONTINUE TO REPORT TO CREDIT BUREAUS.THIS IS A VIOLATION FDCPA SECTION 809B WHICH I WILL SUE $ XXXX/VIOLATION. ALSO FDCPA SECTION 811A2 STATES THE COLLECTOR MUST BE IN THE COUNTY IN WHICH I LIVED WHEN I SIGNED THE ORIGINAL CONTRACT FOR THIS DEBT, THIS IS ALSO A VIOLATON WHICH I WILL SUE $ XXXX/VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Business Bureau
State: IL

Complaint narrative:
This debt was paid in full XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Progressive Financial Services, Inc.
State: AS

Complaint narrative:
many years ago i had XXXX installed in my home XXXX to XXXX rooms then i returned all equipment and discontinued service because they were raising prices to extent. so then they said i did not return a box from XXXX or later. i went down took all the equipment i had leased and was paying for monthly then they came up with equipment was not turned in now i was only getting charged monthly for the equipment i turned in they came back saying the i owe XXXX for equipment.. From XXXX they have been reporting to credit bureau and hitting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: D&A Services, LLC
State: AZ

Complaint narrative:
I received a VM from D & A Services stating that the call was regarding a debt and to call back. The collectors ' name was XXXX XXXX and phone # was XXXX. I then called him back. I got in touch with XXXX XXXX. He asked for my name, which I gave him, then preceded to tell me about the debt. Only after that did he give the mini Miranda and then asked me to verify my identity. I asked for a manager, who he transferred me to. While explaining to the manager ( cant remember his name, sorry ) the situation, he kept interrupting me simply to say that I have every right to file a complaint, but if I was to resolve " properly '' to give him a call. he " informed '' me that nothing was incorrect about the way the collector handled the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
I have written, called the collection agencies requesting verification of this " debt they are reporting on my credit bureaus as belonging to me '' But, they keep giving me the round around and can not provide me with proof of the authenticity of this debt. I have already written, called, to no avail. I'v requested verification of this account confirming that is my debt or they need to remove this collection account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC
State: VA

Complaint narrative:
Pinnacle Credit Services , LLC has XXXX Open Collection accounts for a XXXX XXXX account that shows {$0.00} balance. I would like this removed from XXXX and therefore, my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
Pinnacle is reporting a collection account on my credit report. I first tried to dispute with credit reporting agencies. I sent letters asking for validation and received nothing. I then called Pinnacle to see what I could get straightened out and I was told by Pinnacle that they were n't handling this account ( thought they are reporting it ) and that I should call XXXX XXXX. I called XXXX XXXX and was told to call Pinnacle since they were the company reporting this disputed account. I went in circles like this XXXX times and got nowhere. I then send a certified letter ( attached ) and have had no resolution. Pinnacle has failed to validate this disputed debt, and in fact has said numerous times that they are not even handling this debt. I am requesting immediate deletion of this account from my credit reports for the violations listed above. 

Pinnacle acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Western-Shamrock Corporation
State: OK

Complaint narrative:
I just became past due on my loan today, and this is the XXXX month. I called the company both months to let them know I couldnt pay.They have my phone number & told me couldnt get ahold of me because my mailbox was full.which is untrue! Plus kept calling my references which I told them to stop.The girl on the phone said they have to continue to call until its paid but I asked why if I already called them to let them know I could n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I refinanced my mortgage. 
Company issued a payoff to the title company, and then paid moneys from the escrow, which increased the payoff. They send me mail to my residence, which I received on Thursday evening, stating a figure to pay them to reconcile the account. Those moneys needed to be certified and they need to receive them by Friday @ XXXX. I sent them the money, by mail, which they received on Monday, they then posted the money to my payment account, not the payoff account, then held them until Thursday. What they did n't tell me was they were charging interest per day and the payoff, originally identified by Friday @ XXXX wouldnt have even been the correct amount ( They have charged me 6 days of interest ). They are telling me I now owe more money, because they sat on funds I sent them and interest has accrued. I have wired the additional money, but am still in limbo as to the status of the payoff. At this point, I have XXXX confidence that anyone at the company could tell me what the payoff amount is and how long that payoff amount will be good for.

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 2016-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I was working with my prior servicer XXXX XXXX XXXX to remove the PMI on my home. I was told to get an appraisal on the property, by the time I received the appraisal I received notification that my loan had been transferred to a new servicer " SLS ''. I contacted SLS to advise them I just received the appraisal and would like to request the removal of the PMI. I was advised to submit a request with my signature along with a copy of the appraisal. After submitting the documents, I received a letter stating they would not be able to use that appraisal and that I would have to pay for an additional appraisal ( an additional {$400.00} ). Also, the letter stated there was an authorization form attached that I would have to sign and send back for them to begin the process of obtaining a new appraisal. To my surprise there was no authorization form so I called SLS and they said I would receive a new authorization form. Three weeks later I am still waiting. I contacted my prior servicer and was told since my appraisal is not 60 days old SLS should be able to use it. At this point I think this is a stall tactic on the part of SLS. Either use my appraisal or provide me with a form so I can request one from your company. Every time I call SLS I get a different explanation. I 'm so frustrated and feel this is deliberate so that the customer will continue to pay the PMI.

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 2017-01-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Here we go again with Specialize Loan Services. Constant complaints with this company. I just finish a complaint in XXXX that they did not pay my XXXX XXXX property taxes. NOW this time Effective XXXX XXXX, XXXX they are my servicer again. Why couldnt XXXX XXXX XXXX Keep my Mortgage account I was more happier with them. ANYWAY Specialize Services did not Pay my Property Insurance which was Due XXXX XXXX, XXXX. I received a Cancellation Notice to be cancelled on XXXX XXXX, XXXX. I went on and paid {$220.00} TO BE IN COMPLIANCE WITH MY INSURANCE COMPANY!!! NOT MY MORTGAGE COMPANY. It is obvious they are not in compliance and hiding something when it comes to escrow. I already paid with my mortgage payment which includes the property insurance and property taxes. SPECIALIZE LOAN SERVICES did not pay another escrowed bill once again. I am not happy at all with their service. I refuse to talk to the customer service because I do not get anywhere and everybody I talk to sounds like they are in training.

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 2015-07-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing accepted funds from the Hardiest Hit Fund and applied {$77000.00} to the loan and it was current. I have been making payments on time with no issues since XX/XX/XXXX-XX/XX/XXXX i tried to make a payment for XX/XX/XXXX and the customer service representative XXXX XXXX told me that my mortgage account was in default and i had not make a payment since XX/XX/XXXX. Then she did some research and told me to call back in 5 days and that she could not accept a payment, and i informed her that i need to make a payment in order to keep my loan current, and she hung up the phone in my face. 

I called back on XX/XX/XXXX spoke with customer representative and he informed my that the hardiest hit funds had not been applied to my account so my loan had to be recast to include funds that had not been applied to my account this was a surprise because i have made all payments on time and i have proof with my bank statements and i informed him that i have not missed a payment and he told me he can see that in my payment history however i will not be charged a late fee when i pay within 48 hours. 

Called back on XX/XX/XXXX spoke with a supervisor XXXX XXXX and he advised me that he was creating a ticket so that they can apply {$77.00} and my last 8 or so payments and the loan will be current within 48 hours. I am so confused about how i have spoken to more than XXXX customer services representatives and none of them have no idea what is happening with my Home Loan that was current for 9 months then all of sudden it is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
Collection company insists that I have a debt from 2007 for an XXXX. Debt is supposedly {$2000.00} and they first started calling me a month ago. I have never had a 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 2016-05-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I am a new customer to SLS. In XX/XX/XXXX i received a letter stating my monthly payments will be going up from a modified {$740.00} to XXXX. I called them to see why they informed me it was because of the escrow and insurance. I understand about that but im on fixed incom. I am use to my mortage going up yearly never this much and never without the option of paying it in a lump sum or spreaded out over 12 months. I have talked with every department in SLS with no sympathy. All i wanted was someone to work with me to get my monthly payment with my escrow and taxes spreaded out over 12 months so i can afford it every month not from {$740.00} to {$1100.00}. I was even told by SLS to sell my home or sell it for short sell.

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 2015-08-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I applied for a Federal job. During XXXX back ground check they came across some medical debt. XXXX gave me originally 30 days to resolve. That was on XXXX XXXX, 2015. Today I called BERLIN-WHEELER INC-MO at XXXX on a break. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. By the way I found out today that they had changed their Company nameto WAKEFIELD ASSOCIATES. I was showing the original name for six times on my credit that XXXX is asking me explain. The was for {$490.00}. When I called I talked with XXXX, He had several of my name in his database. He even tried to check under my security # and nothing. I asked for something stated in a letter that this debt was not mine. He outright refused me and said his company did not send out any paper. He stated that he could not help me at all. That because he did not have me in his database there was nothing that he could do. Their phone number that I called was XXXX XXXX XXXX XXXX. So that is why I came to you for help. I need to get this off my record so I can get a decent paying job. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: WA

Complaint narrative:
When we were purchasing our home, we were told that it had a perfect " Third party inspection report '', we were also convinced that it did not have XXXX or XXXX pending on the property, Because A. They were no XXXX or XXXX listed on the disclosure or home description, the Realtor said there were none when we inquired, who was selling the home, and the Buyer who showed up at the showing, when asked if there were any building restrictions, never mentioned the XXXX against the property. After we signed everything, we got a email from First American Title with the XXXX exposed. We told our Realetor we did not want the property, he said we needed to come down and sign the amended home disclosure, and that we could get out of the property and our XXXX ernest money would be returned. We waited XXXX days as we were told, and then were told we needed to file a law suit to get our money back. We told our agent NO XXXX or XXXX 's, we asked the agent, we talked to the owner, they all denied it, as well as the intial listing and disclosour having no mention of them. We were threatened with a lawsuit or lose our ernest money. I read an article about your ORg. in a magazine, I was elated to know I could vent this, I felt totally backed into a corner, with no way out. I felt that the First American in XXXX XXXX was at fault for disclosing this info late, the realtor was at fault for not disclosing this info at all, and the owner did not disclose this info when asked. And the realtor said we could sign and disputed the amendment to the disclosure. His manager said we had to take the deal or lose our money, he even said that " nobody reads that stuff '', This place had fell through XXXX before we bought it, I know they knew of the XXXX 's. I may have to eat this house, but when I read your article in a magazine, I felt that you could confront them and there less than fare Tiltle and Mortgage practices. The Realtor was XXXX XXXX XXXX of XXXX XXXX, Wa and the Title Company was First American in XXXX XXXX, WA They knew what they did was wrong, and they intimidated us to win.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Fenton & McGarvey Law Firm, P.S.C.
State: KY

Complaint narrative:
I was in a lease in 2001, I turned the vehicle in and XXXX XXXX bank signed off that nothing was owed and everything was in good repair. Now they are trying to come after me for money, {$1700.00} when I never even owned a debt in the first place. This has been over 14 years ago, I do not even owe it and they are trying to garnish my wages and charging over 200 % interest. This is illegal. XXXX XXXX bank has no record of it, obviously this is fraud. I believe they constantly harass me because I am a woman as well, this is not even a debt, they brought this from the woodwork and cannto provide me documentation of it, nor can XXXX XXXX, it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I was never contacted by Wakefield and Associates about any debt. I found out about it when they showed up on my credit report. I have never received a call or a letter about any owed debt. The medical company that uses their services had made a deal with me to have that debt paid. I paid the compaNY what was owed in exchange for them not sending it to collections. I have a recording of said deal. I also have the bank statement to prove the debt was paid.This agency has never called and identified them self as a collection company if they called or ever sent a written notice of said debt they were trying to collect on. This has lowered my credit report and will cost me money on the purchase of my next house since I have received a higher interest rate than what I should have recieved.

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 2017-01-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
My mortgage was sold to Specialized Loan Servicing on XX/XX/2016. My mortgage payment was due on XX/XX/2016 I made the payment of XXXX on XX/XX/2016 to the original creditor. The new company is now applying my payments a month behind and reporting my account as delinquent. I have sent them proof of all payments but they will not correct the mistake. I have also called the original creditor and they claim they are due that payment from XX/XX/2016 and when the loan was transferred it was marked current with the next payment due on XX/XX/2016.

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 2016-09-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This is to inform you that Specialized Loan Services approved me for a loan modification, but after 60 days, they have not recorded the note or notified me of the loan modification being completed on their part. 
I have made my monthly payments on time, but instead they have send me monthly statements that show higher payments than we had agreed to, unclear charges and attorney fees that are not part or listed on modification agreement. 
attached you will find copies of statements and loan modification. 
thank you for your help.

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