vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WESTERN ALLIANCE BANCORPORATION
State: NV

Complaint narrative:
The Bank of Nevada/Western Alliance Bank AutomaticTeller Machine location XXXX at XXXX XXXX XXXX XXXX XXXX Nevada, did not released the {$400.00} I requested on XXXX XXXX, 2016 approximately at XXXX using my XXXX XXXX Debit Card .A message on display stated an invalid transaction. On a second try I collected the {$400.00} with a receipt of the transaction which indicated the previous {$400.00} were already deducted from my XXXX XXXX debit card from my checking account causing a low balance of {$310.00} from the XXXX checking account balance. I immediately on the same day XXXX XXXX, 2016 I reported the Bank of Nevada/Western Alliance Bank 's ATM Fraudalent Activitiy to my XXXX Customer Services representative, XXXX XXXX XXXX, at the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Nevada. The XXXX XXXX representative, XXXX XXXX XXXX is claiming the {$400.00} from the Bank of Nevada/Western Alliance Bank be credited to my XXXX XXXX as soon as possible. Such ATM fraudulent activity caused me to suffer severe financial distress lowering my Checking Account Balance with insufficient funds to meet my next financial obligations due on XXXX XXXX, 2016. My income is from the Social Security Administration Retirement Benefits payable only on the Second Wednesday of each month. My next direct deposit is due on XXXX XXXX, 2016. Consequently, because of the Bank of Nevada/Western Alliance Bank 's Automatic Teller Machine 's fraudulent system I am suffering a severe financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ballato Law Firm, P.C.
State: VA

Complaint narrative:
I had my house foreclosed on XX/XX/XXXX for {$78000.00} and sold for {$38000.00} which left a balance of XXXX. I recently received a letter from a debt collector for {$56000.00} with daily interest of {$7.00} on remaining balance which the letter was delivered XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Farrell Holdings, LLC
State: UT

Complaint narrative:
Prime Acceptance call all day repeatedly from different numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
i was sued by kenoshian miele. .went to court was waiting for proof ( discovery ) ) had a court date for XXXX 2012 and they moved the court date to XX/XX/2012 without notifiying me and so in turn they got a default judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: WV

Complaint narrative:
XXXX 2014 I was contacted by XXXX stating that I owed a bill. I told them at that time that I have never had their service and asked for the service address, which I was told was in California. I informed the rep at that time that I have never had the service and have never lived in California. At that point I was told that it would be taken care of an apologized to. No further contact was received. 

I recently applied for a job with XXXX XXXX and as part of the process for selection, my credit was pulled. My credit is not perfect but I have worked hard to repair my credit and pay debts off and have succeeded thus far. When reviewing my report in XXXX that was pulled for the candidate selection I found a collection notice on their from Stellar Recovery in MT for XXXX XXXX. I contacted Stellar, who had my current address but was referred to XXXX. I have talked to XXXX numerous time and they have not been able to find an account in my name matching the last XXXX of my social. The last conversation I had with them is that it is not my fault I allowed my information to be compromised ; outrageous. If I had allowed my information to be compromised why could they not find an account in my name? I was talked down to and spoken to horridly and still I am now getting the blame. I have lost the job that I was after, which would have given my the income boost that I need. XXXX simply will not do anything at all. A negligent company like this should not be allowed to be in business. I feel that they should be financially responsible for my job loss, violating the laws of conversion and allowing a fraud to occur and reporting falsely against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I was sent a paper from Messerli & Kramer XXXX XXXX. 
In it had a statement that if I had signed it would keep me from ever suing them no matter what anyone in their company did to me or their future children may do to me. It was a disclaimer so I could never sue them for any reason. I could not sign it. I have a paper copy. I do owe a debt I wish I could pay. I was sent a judgement from the court. I do not have a job so I can not pay this, but this new paperwork ... It 's something that was clearly illegal. I looked their name up online and their are quite a few court cases in which they are the defendant. People are suing them frequently. I can see why they would want to send me this. I normally do not sue people or organizations. I believe in ethics and morals. I do n't believe in this type of behavior. 
Thank you for looking into this. Some people just do not read the entire document. They could do anything to them. That would be horrible. I do n't want anyone to be hurt by them. Please look into this. Thank you again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: FL

Complaint narrative:
I previously worked for the Federal Government is a position where the background check included an extensive verification of where I previously lived, worked, any alias ', financial information and finger prints were required. After XXXX XX/XX/XXXX, I was advised that there was a recent cyber security breach and I was given insurance via a third party identity restoration firm, XXXX. I received a routine credit alert on XXXX XXXX, XXXX. Upon checking the information, a collection showed up for the first time on my credit report on XXXX XXXX, XXXX showing a debt due to XXXX in collection with Stellar Recovery for a XXXX address I never lived at for an individual with a first name and last name spelled differently than mine ( one letter of difference in each ). I had an account with XXXX in a different state which was closed out ( I saved the only chat ) and XXXX accessed my Credit Report on XXXX XXXX, XXXX and thus not only would their own records show the correct information but at that point they had my current name and address. I did not receive a single notice about this and of course they are trying to portray this as identity theft ( to cover their incompetence and probably wanting a tax deduction for the current period ). XXXX has not been cooperative ( and made me go through hoops filling out forms ) and I know nothing of the bogus transaction on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: CA

Complaint narrative:
Fraudulent collections account. Called this company on numerous occasions, they referred me to XXXX XXXX. Called XXXX XXXX, they referred me back to Stellar Recovery. This happened also back in XXXX 2015 and was removed by the collections company. There is no validation for this collections account and account is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: NY

Complaint narrative:
I am an XXXX in XXXX that works on behalf of XXXX low-income and XXXX clients. One of our client 's contacted us concerning an identity theft issue pertaining to his Direct Express account. The client is XXXX and has difficulty traveling throughout the city. He filed a fraud claim with Direct Express because someone used his Direct Express card without his knowledge or permission and withdrew money from multiple ATMs in neighborhoods where our client never travels. Direct Express responded to our client with a letter stating that they had completed his investigation and found conflicting information and that they could not confirm that fraud occurred. There was no further explanation provided in the letter regarding the alleged conflicting information Direct Express used in making their decision. However, the letter stated that the client could call Direct Express to request a copy of the documents used in making their determination. Our client called Direct Express at XXXX on at least four occasions to request the documents. He has yet to receive the documents. Frustrated that he could not resolve this issue on his own, our client asked that I call Direct Express on his behalf to see if I could get a copy of the documents as his attorney. I called Direct Express and offered to provide them with a signed and notarized authorization form from my client giving me permission to communicate with Direct Express on my client 's behalf. The customer service representative at Direct Express said that I could not speak to Direct Express on behalf of my client and I need not submit an authorization form because I am not the client 's representative payee on his Social Security account. I asked the representative if there was a form that Direct Express could send to me that would allow me to communicate on behalf of my XXXX client and I was told there was no such form and that they could not provide me with the information pertaining to his fraud claim. I was unable to assist the client in getting information from Direct Express. As an attorney that works on behalf of XXXX clients, I imagine that many of my clients will face an issue pertaining to their Direct Express card, and unfortunately, I will not be able to communicate with Direct Express in order to assist these clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Stellar Recovery, Inc.
State: MI

Complaint narrative:
Trying to get a loan and found a misc. mark on my credit report. I was never notified by mail about this matter, when I called the company the address they had on file for the account I never lived at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Lending Solutions Mortgage/ LSI Mortgage
State: CA

Complaint narrative:
In XXXX we applied for a cash-out refinance for our primary dwelling. After running our credit and taking our payment for the appraisal, the lender did not provide a Good Faith Estimate until a month after the fact. The initial intent was to do an FHA Cash-out Refinance and were told that the company could do not FHA, they then retracted that statement citing they had an investor who could. They finally provided a change in circumstance Good Faith Estimate for the new loan product after the RESPA timeline permits. We are still in the process of refinancing with us constantly having to reach out to the lender to inquire on the status. Each time they answer, it is a general reply of " we are waiting on underwriting ''. We are now on month XXXX of the refinance, we have paid for XXXX appraisals and have had our credit pulled multiple times, adversly affecting us if we were to try to go with another lender for refinancing. We still have no clue on the status of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc.
State: GA

Complaint narrative:
I was turned over to Stellar Recovery , Inc by XXXX in XXXX XXXX for a debt of {$56.00} I was unaware of from XXXX XXXX ( showed up on my CreditKarma account name of company and amount ). Nothing in writing from Stellar. Finally received copy of final bill from XXXX after making 3 requests. Called Stellar and complained about not being notified of the debt in writing - was told by XXXX " we do n't have to notify you in writing. '' Spoke with her supervisor XXXX XXXX who said they did n't have my phone number ( I told XXXX XXXX I 've had my same phone number for 6 years XXXX had that phone number ) to call me which is why I was n't notified, however, she did have my new address, I asked why was n't I notified in writing she could n't answer. I told XXXX XXXX collection agencies are required by law to notify a consumer in writing giving them 30 days to respond by dispute or paying the balance. If a consumer does n't respond, they can proceed with collection procedures up to and including adding info to your credit report. Stellar did n't do anything but add my unpaid balance to my credit file and my score dropped XXXX points as a result. All XXXX XXXX said was, " I 'm sorry this happened to you I can tell you are someone who pays her bills. '' Not to mention this will stay on my credit for 3 to 7 years. Also, XXXX XXXX said I will have to call them back in 30 days to request a payoff letter as they will not send out a confirmation of payment automatically. Wanted my permission to call me on the phone just in case they needed to tell me something - I asked what they would need to talk to me about - I agreed to allow them to contact me by email first preference or by US mail and she argued once I refused to allow them to call me she then asked for my email. I declared my dissatisfaction of their bad business practices and told XXXX XXXX I would be filing a complaint with the FTC. Of the XXXX complaints I doubt mine will be addressed, however, I formally request immediate confirmation of payment made to Stellar Recovery and the collection be taken completely off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D&A Services, LLC
State: KS

Complaint narrative:
There is a phone number that keeps calling me repeatedly and asking me to call back. It always starts with a man whistling a short tune and then, in a threatening tone, the man always follows the whistle with a message that says " this is a debt collector, call back immediately. '' In one message, the man asked for my social security number to be ready and available when I call back. He never addresses me by name, and never leaves any additional details. I know for a fact that I do not have any debts that have went unpaid. I am in college and still live at home with my parents and I have no bills. I did live in an apartment for a short while, but I was never behind in my payments and immediately received my deposit back when I moved back home. I also cancelled my internet services and confirmed the cancellation with the workers in the local office several times to be sure. All of my school loans have been deferred until I complete school and I receive statements for those every month -- they are from the government and state that I currently owe nothing. I have another full year of school to go. There is nothing else out that that I have ever had a bill for. This company calls me EVERY DAY and leaves vague, creepy messages. I would like for it to stop. Based on research that I have done online, they appear to do this to several individuals, many of whom suspect that it is a scam. I have looked up the supposed agency that it is linked to according to the internet, but I can not find information on the agency anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: NY

Complaint narrative:
Please see attached narrative regarding complaint. Collection agency took illegal steps and filed a XXXX against me with the XXXX. ( Narrative and complaint filed by XXXX advocate on behalf of the individual named herein. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: NV

Complaint narrative:
Hello, Pinnacle indicated that they have purchased this collection note from another agency. I have requested verification of the debt from Pinnacle and they have failed to provide any verification, or direct contact name and phone number of who can verify the collection information. 

Pinnacle continues to report this to consumer bureaus in error and also note that the disputes have been resolved, which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: D&A Services, LLC
State: IN

Complaint narrative:
d & a services are trying to collect amount that is in ch XXXX XXXX original credit lowes this is 4 time differ collection service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sonnenschein Financial Services, Inc.
State: IL

Complaint narrative:
Sonnenschein Financial Services reported to my XXXX credit report a {$200.00} from the City of XXXX. This agency claims to now own this debt from the City. They claim that this citation is due to a XXXX violation. The violation was contested and an appeal date was granted and the violation was dismissed. For whatever reason the debt was not dismissed and doubled to {$200.00}. I have made daily attempts at contacting this agency and am always greeted by an automated service. Messages left to their voicemail service go unreturned and considering failed attempts at contact, I am left questioning the legitimacy of this agency and their debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
Guild Mortgage in XXXX XXXX, CA continued to take FHA MIP payments from us even though the home was never insured by FHA. Apparently FHA never got a termite report so our " loan '' and address was in " application status '' only. Guild should return the MIP payments we made. They have never returned phone calls, even when we had the home and were trying to stop the foreclosure. FHA also returned the {$4400.00} FHA fee to XXXX XXXX in XXXX. They kept that money and the office manager XXXX said they shred all records and keep no evidence to support receipt of the refund check. I have contacted several people at HUD and FHA ; they get promoted to XXXX and do not call back!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Comerica
State: MI

Complaint narrative:
Comerica bank is close to making my excellent credit rating damaged by mis applying my early house payment to the principle only. The entire amount was applied to principle which then showed a no payment. This was in XXXX Of 2015. They said they fixed it but they still show me behind one month. Every month I talk to a supervisor and nothing is being fixed. Please help. I have always paid about 10 days early. I do n't know what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: AL

Complaint narrative:
This debt, which is OVER 7 YEARS OLD, first appeared in XXXX as UN-authorized charges on my XXXX XXXX cell phone bill. I refused to pay the charges and the account was closed. Pinnacle Credit Services LLC bought the debt and tried to collect. I told them the debt was not mine and would not pay it. Pinnacle Credit Services has since changed the date of the debt to XXXX/XXXX/XXXX and is still trying to collect on it EVEN THOUGH THE LAST TRANSACTION I HAD WITH XXXX WAS XXXX/XXXX/XXXX AND IT SHOULD HAVE BEEN DISCHARGED A MONTH AGO!

Company response to consumer: Closed with explanation