vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-20 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: Progressive Financial Services, Inc.
State: VA

Complaint narrative:
1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.

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 2015-04-10 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX, 2015 I went online and entered the relevant information on XXXX to transfer XXXX {$500.00} to my sister 's account in XXXX. Up to today, XXXX XXXX, 2015, 23 days later, the funds have not been applied to the account and neither has it been returned to me. 
I sent the funds in time to arrive before XXXX XXXX to pay towards a mortgage that is in arrears. The non-payment of these funds has resulted in additional complications for the property that was placed on an auction list. Payment before XXXX XXXX ( when another mortgage payment came due ) was important in order to reduce the accrued debt to below 1 month. With the non-payment, an additional month has been placed on the outstanding amount removing the breathing room necessary to accumulate sufficient funds to bring it current. I am stressed, worried and presently scrambling to sell the property so as not to lose financially. 

I requested a refund on or about XXXX XXXX, with the aim of sending it through another money transfer system. They suggested that they would pay the fee to do this. Up to today I still have not received my refund. The last communication from XXXX which came in this week, XXXX saying that the funds were in the account but it is not. Just today the local XXXX affiliate/company contacted my sister asking what type of account does she have. She told them again and provided a screenshot of her account. 
XXXX 's service has been wholly unacceptable, unreliable and highly unfair to me, placing me into unnecessary difficulties. 

XXXX - XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 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: NJ

Complaint narrative:
The original creditor of my debt is XXXX XXXX in the amount of {$360.00}. This debt is delinquent since XX/XX/XXXX in which it had gone into collections. Moreover, Pinnacle Credit Services which is a debt buyer bought this debt XX/XX/XXXX. Furthermore, on my credit report it states debt was opened XX/XX/XXXX which is false information and is called parking an old debt and violates FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 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: TX

Complaint narrative:
I sent a debt validation to the collection company ( Pinnacle Credit Services ) on XXXX/XXXX/XXXX The company received the debt validation on XXXX/XXXX/XXXX. The company responded to the debt validation on XXXX/XXXX/XXXX. Upon review of the package sent, the company did n't provide any proof the account actually belonged to me. The company sent several statements but they did not a line with XXXX. The called the company asked if they could send me a copy of a user agreement signed or any proof that this account belong to be, I was told I needed to contact XXXX. After contacted XXXX, I was told that they did not have a user agreement or anything because the account was set through a third party ( XXXX ) in XXXX of XXXX. Since then the company XXXX XXXX has closed down, so there is no way to get a response from the company. The company is charging {$300.00} in termination fees for XXXX lines of service and balance of {$1000.00}. There was never a payment made on the account. The account was opened XX/XX/XXXX and closed in XX/XX/XXXX for non-payment. The company can not provide any proof that I actually opened the account and can not provide an agreement says that I agreed to a termination fee {$300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 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: ND

Complaint narrative:
I had XXXX accounts through Pinnacle Credit Services , LLC that were in collections. In XXXX 2015 I paid both of them. Pinnacle has continued to report on my credit that it is a zero balance, but that the accounts are in DISPUTE. I have contacted them via phone and in writing, and told them it 's not in dispute, but they will not fix it and I can not close on a home loan. The bank I am working with for my home loan has also tried helping us, but Pinnacle will not change the status to " no longer in dispute ''.

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 2016-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Curtwright & Klein, LLC
State: SC

Complaint narrative:
The company Kurtwright and Klein LLC has called me three times over two days in an attempt to get contact information for my deceased father 's widow. I have told them I do not know how to contact her, and I firmly told them in every call not to call me back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 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: Franklin Collection Service, Inc.
State: NV

Complaint narrative:
Next month or so I receive a letter from a collection agency saying I owed XXXX to XXXX XXXX XXXX, so I called Agency said I do n't owe I called XXXX & T I was told I 0wed nothing they got in touch with agency and when I called agency back they told me it had all been straightened out and apologized. Then a few days ago I get a letter from The Collection Firm of Franklin Collection Services , Inc Saying I owe XXXX XXXX XXXX XXXX case # XXXX XXXX called XXXX XXXX XXXX I owe nothing today spoke with billing specialist .He told me I had to speak to a collections specialist I got cut-off so I called agency talked this time to a supervisor he said his name was XXXX he said I had to dispute this on there website and also with XXXX XXXX XXXX XXXX Finally I called XXXX XXXX XXXX spoke to a collection specialist she suggested I call credit bureau and have this matter investigated and filed a report. 
Could you help me please, I never had phones I do n't even know phone number Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 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: AR

Complaint narrative:
Several years ago I went to a XXXX local dealer. I purchased an XXXX, for surfing the internet. I signed an agreement, two years, I believe. 

The next day the card quit working. I went to the same dealer, and was advised they [ XXXX ] were going to void the first contract and roll everything to a new contract with a new air card. 

More plainly speaking, I would still only have XXXX account. 

I recently tried to rent an apartment and found out that XXXX is reporting in a negative manner to my reports. 

I sent a dispute letter and they [ XXXX ] failed to respond. I am now going to file an FCRA action, after I dispute directly with the credit bureau first. 

I understand you may not act on my behalf, in a legal capacity ; however, I want to exhaust all administrative remedies. 

Thank you in advance for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Pinnacle Credit Services, LLC
State: OH

Complaint narrative:
i receive a minimum of XXXX calls a day, everyday! They start at XXXX and end at XXXX. It is an automated call that is picked up by a barely and nearly impossible to understand representative. This initial person simply connects the call and verifies they have reached me. I am then put on hold when an XXXX speaking person comes on and immediately says we need to verify your identity, '' what is your social security number, birthdate & current home address ''! There is no way I am going to give that info to anyone ... especially someone who called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from FRANKLIN COLLECTION SERVICE. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against FRANKLIN COLLECTION SERVICE in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Northstar Location Services, LLC
State: PA

Complaint narrative:
This company calls me several times a week. I tell them that the person they are looking for is my ex husband and that we have been divorced since 2011. They say they will remove me from their list, but then just call me from a different number. It is Northstar Location Services. Today they called me at my BUSINESS number and left a message that my ex husband had given them my contact information. They left their name and acted like they were a long lost friend trying to get in touch. No mention that they were trying to collect a debt. There is no way he would have given them my contact information. They will not leave me alone and have called my parents and my new husband. The icing on the cake was calling my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
I want it to be noted that I dispute any responsibility for this debt, and I do not owe this. The fluctuating statements, as well verification that does not match up with amount owed show the inconsistencies associated with this account. 

The debt was previously with XXXX., and discharged after they sent me verification that did not match up with the amount owed. I received notice from them that they will not pursue this debt any longer. That is when it ended up with FCSI, Inc. 

I have been having to deal with a debt that I have disputed. It keeps going to new collection agencies once a previous collection agency has stopped dealing with it after verification fails. I recently documents that supposedly verify the debt with FCSI, however, not a single XXXX of the statements even matches the amount which Franklin is attempting to collect from me. 

Franklin says the debt of {$190.00} was incurred XXXX/XXXX/15, as evidenced by the letter I included, but both statements from around that date both show different amounts that do not match this. 

I have included the XXXX statements for XXXX XXXX, 2015 and XXXX XXXX, 2015, which are the closest to the date I am alleged to have accrued the balance of {$190.00}. I have also included XXXX later statements from XXXX XXXX, 2015 and XXXX XXXX, 2015, which illustrate the way this debt has fluctuated by incredulous amounts. If this debt was valid, it does not make sense how the amounts could constantly change, and also not match the amounts which the debt collection agency has attempted to collect. I dispute this debt, as I have with previous collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: The Law Offices of Gerald E Moore & Associates, PC
State: CO

Complaint narrative:
I just received a call from Gerald E Moore and Associates on a supposed debt ( which i thought was taken care of about 6 months ago ). I spoke to a man named XXXX, this was for an Apartment that i lived in and moved out of about 2 years ago. I lived in the apartment for a little over 5 years, and had a roof leak issue the entire time i resided there. I explained to XXXX i had faxed in my dispute documents about 6 months ago ( it may have been another agency ) and assumed it was taken care of as i have n't heard anything. I explained in detail what happened and he told me my dispute was n't valid and they were " moving the account forward '' I asked him what moving forward meant and he said he was not an attorney and does n't know. So then stated that i wanted to send in my dispute to him and he said it didnt matter that my dispute was not valid, and they were moving forward with the account. I was stunned I explained that I had already done this and he said he had no record of it. I told him it would take me until this evening to get my emails and pictures compiled and sent. He then again tells me it would n't matter as my dispute was not valid. I did some research and have found this and the fact that they are supposed to look at my dispute. If i am disputing they have to give me a chance. They are not i am just being told over and over by him that I DO NOT have any option but to pay or have my account " move forward '' -even though he could n't tell me what that meant when specifically asking. This was very sad an frustrating here i am thinking I am going to be sued over something I do not in fact owe. Yet he is telling me I have no recourse. I need help. They gave me a file number which i can provide if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10 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: WA

Complaint narrative:
After canceling my account with XXXX, I returned a rental modem using a tracking label they provided. After shipping it, I found out many months later I was being charged for it through a collections agency. I disputed the claim, but recently I discovered the debt has been transferred to a different debt collection agency. 

I have contacted the XXXX representatives many times over the phone, which has transferred me continually between departments. Everyone can verify I was a customer and rented a modem, but no one can give me any information about the shipping label they sent me. According to them I did n't return it, but can provide no proof I did not use their shipping label. They refuse to give me this information and insist on requesting information over the phone despite no department providing this and frequently being dropped between transfers. I recently sent out XXXX certified letters disputing the claim to their corporate office and a billing center, but have received no reply. Online chat support has only directed me to tech support number, who could provide this information. After calling the number, the technician said he did not have this information, but could forward me to customer support, which I 've already spoken with several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I have accumulated, over 4 years, money orders which I have stashed in a drawer in the event I ca n't pay my necessary utility bills, were I to have no work. 

Recently, I got them out and gave one, which I had left blank, to a repairperson who took it to his bank and came back with it saying it was outdated. That 's how I discovered that all these money orders, from Amscot, which I have been saving are " outdated ''. The Amscot teller said I had to read the back, which informs people, in very small print compared to everything else printed on the money order, that there is a 1 year expiration date. I have many times over the years, in the past received checks from companies, and they had printed ON THE FRONT, in regular or larger than regular letters a " valid until ... date ''. My question is why this should not be standard for the AMSCOT vehicles as well? Put this vital information where you see it, and not hidden, as it were. Do other companies have the option to put expiration dates on the back in tiny print? 
I 'm writing because I have lost considerable value to my checks as I return them to AMSCOT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I never give out my work number as I am not allowed calls at work. I received a call today XXXX XXXX, 2015 from a XXXX at XXXX XXXX stating he needed the last XXXX of my social security number or he needed to verify my address I asked who he was collecting on behalf of as the debts I do have I am working directly with the people I owe and have payment arrangements. He stated he is not allowed to tell me until I give him the last XXXX of my social security or my street address. I said you can send me something in writing but he states they did. I have nothing from ACEI in any form of writing, I asked him when he mailed it he said by asking that question I verified my address..???? What? 

He also said he was calling my home number and I asked him to verify what number he had and he told me he can not give out my home number either. So how am I supposed to verify what they are calling me about without giving information to someone I know nothing about?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Lendmark Financial Services
State: SC

Complaint narrative:
Lenmark Finance Company continues to call my job. They have called multiple time which includes XXXX XXXX times a day. Trying to be smart and call back to back blocking their number. Threating to call to speak to our corporate office to get my information to file papers at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 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: NV

Complaint narrative:
I recently pulled my credit report and this company has reported that I owe them a debt. I have never received any letter from this company informing me that I owe them a 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 2016-11-18 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: AZ

Complaint narrative:
I have continually been contacted by multiple Debt collectors for a termination fee charged me by XXXX that I do not owe. I never signed a contract with them, and therefore this is invalid. The issue is that they keep sending it to different debt collectors. I have tried contacting XXXX to drop this collection attempt but they refuse to do so. They have a known issue with deceptive practices as noted on the XXXX website including not disclosing contracts, price switching ( which they did to me ), etc. I need to know what can be done to get them drop this charge that is not valid. I do not want to have to continue to send certified letters to debt collectors until the end of time while they continue to pursue this frivolous charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I received a service from XXXX XXXX. They did not correctly bill the insurance company. The insurance company and I have contacted them on several occasions to get them to submit the bill correctly. Alternatively, I can submit the bill, but the bill that XXXX XXXX is sending me is for a service that I did not receive at a price that has not been submitted to the insurance agency. To date they have not billed the insurance agency at the proper address. I was telephonically contacted by American Collections XXXX regarding this debt. When they contacted me I advised them that they needed to contact me in writing and that the debt was not valid. To date they have not contacted me in writing and they have submitted this debt to the credit agency. I contacted Washington XXXX XXXX several. They state that they can not issue a letter stating that the debt was erroneously sent. When I reviewed the debt with the insurance agency it became apparent that they were billing me for services that had not been received. The insurance company has been made aware of this but as the agency is refusing to bill them for the services the matter is not insurance fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation