vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Harris & Harris calls both our home numbers at least twice a day by robot-calls. They do NOT say what company or debt or amount or anything that would help us identify if they have a legitimate claim or purpose. Their phone number zooms past at the front of the call before one can pick up a pencil AND they do not repeat it at the end of the call. Their " caller ID '' number, when one tries to call it back, goes to some sort of electric buzz tone ( fax or hearing-impaired device? ) On the one occasion I managed to get a number down -- I called back to have an automated system place me on HOLD. After XXXX frustrating minutes ... I hung up. 

These have got to be the WORST debt collectors on record! They make it nearly impossible to discern their legitimacy or the debt or the number to call back. When you do call back -- they are not available. And yet ... 

Their robots keep CALLING AND CALLING AND CALLING AND CALLING. Day after day, week after week. It all seems to be done by automated systems that have no judgment, ability to interact or to update or question. 

HOW do we STOP them from filling up our answering machine with their automaton snippet-messages and from tying up our phone lines? When will a human contact us or answer their own lines?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Harris and Harris keeps calling my home phone number and leaving messages. We have no debts yet they continue to leave these messages. The messages do not state who they are trying to reach.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I received a notice from XXXX that a derogatory account was erroneously and fraudulently put onto my credit report and file from Nationwide Recovery Service on XX/XX/2017. I have never received any information or notice from this company. This account does not belong to me. I demand any and all information be remove immediately from my credit report and file as this company is in direct violation to federal and state laws regarding debt collection. My positive credit rating has been tarnished and I have been denied credit due to the erroneous, fraudulent and deceptive practices of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 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: CA

Complaint narrative:
I paid this over a year ago and I have a receipt. They refuse to take it off my credit. It is not in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC
State: MA

Complaint narrative:
Since XX/XX/XXXX I 've been in and out of Hospital due to an accident. And since then i have not applied to any credit cards or any loans till XX/XX/XXXX. After been getting denied for every account i pulled my credit report and found several accounts opened under my name and several incorrect addresses listed under the credit bureau. So at this point i contact the Police and file a report due to these inaccurate charges and fake addresses under my name. At this point i started to dispute every information that was wrong under my report and most was corrected. When i contacted this company Pinacle Credit Services that report a XXXX account for {$550.00}. i was requested to submit all the document that i had in my hands which i did. I spoke with several members, XXXX, XXXX, XXXX and today I spoke with a lady by the name of XXXX, all of them refused to provide me the last name or any other Identification and their response to me was that i would receive an update in 48 hours, and i never heard from them, I 've send many letters to confirm this debt and none was provided to me. Every time i tried to explain my situation for the past several years and seams to me that they just do n't care about my case. Which this account is not mine and i should n't be responsible to pay for it. And this is the reason i 'm asking for your help in getting this resolved because it 's causing harm to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Progressive Financial Services, Inc.
State: NY

Complaint narrative:
Progressive Financial Services is calling a business office trying to collect a debt. We have told them numerous times to stop calling. We keep telling them that they are calling a business and the person they are trying to reach can not be reached at our business phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica
State: CA

Complaint narrative:
During a recent audit of my account, I discovered that my account had charges totaling {$1700.00}. However, Comerica/Direct Express says I have done {$2100.00} in charges. I have done the math, have the printout and request your intervention in this matter. I have already complained to them without result.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
Once I told them that chartity suppose to took care the bills they was very rude they will be hearing from my lawyer ASAP if everybody else was paid off why they still calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Comerica
State: CT

Complaint narrative:
See attached document regarding the mis-handling of bank account, excessive amount of time to take care of customer via customer service and denying fraud complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-27 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: CA

Complaint narrative:
I owed XXXX XXXX XXXX, and it was referred to Franklin Collection Services. They called me, I paid, but they went ahead and put it on my credit reports at XXXX and XXXX AFTER. This has really hurt my credit, even though the actual entry on the reports says it is PAID/CLOSED. I called them and asked them to remove it from my credit reports, but they claimed they could not do that ( not true ) and offered only to mail me a letter saying the debt was paid, which is useless ( that was after 3 hangups and 5 transfers between departments on their end ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I file a complaint wit FCC against att abusive charges of international call of XXXX. XXXX responded saying my bill will be reduced from {$1300.00} to {$42.00}. XXXX send me a bill in XXXX XXXX for XXXX due in XXXX XXXX and another one in XX/XX/XXXX for {$290.00} I contacted XXXX and after resolving with costumer service I paid the XXXX with the promise to receive XXXX credit back as soon as my account get cleared. In XX/XX/XXXX XXXX reported me account to a collection agency and this collection agency reported to my credit report. The collection agency never contacted me prior to report it on my credit report. Also they had NO RIGHTS to report it on my credit report at ALL. I file another Complaint with FCC regarding att practices and FCC is on the case. I would like to FTC to get in the case and assist me in this matter. I would like to have this collection agency show prof that I won that money and also prof they attempted to collect a debt and I refuse in order for them to report my account to the Bureaus. I am also seeking for damages from XXXX and this collection agency for the damages on my credit report I am in the process to acquire a house and this collection damaged my possibilities severely. I want XXXX and Franklin Collections Services to respond for the damages they are causing me. Thank you XXXX XXXX XXXX FRANKLIN COLLECTION SVCS UNPAID ( UNPAID ). 
XXXX XXXX, XXXX Alert Date XXXX/XXXX/XXXX Source XXXX Company FRANKLIN COLLECTION SVCS Payment Status UNPAID ( UNPAID ) Status Date XXXX/XXXX/XXXX Balance {$290.00} Balance Date XXXX Address XXXX XXXX XXXX XXXX, MS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 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: CT

Complaint narrative:
Pinnacle continue to report this account on my XXXX and XXXX reports after this was resolved with the original creditor. I 've called the company was hung up on by XXXX and XXXX. I was switched to a XXXX and a XXXX law, a man answered the phone and sounded very tired and saidthis was resolved over a XXXX ago and said hhe 's not license for the state of ct. Pinnacle refused to help and delete this erogenous information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mathes Management Enterprises, Inc.
State: GA

Complaint narrative:
Sterling Financial has reported a loan to the credit bureaus that I do not have placed with them and they have also reported it with derogatory information. 
The loan they have me listed for is actually not theirs to list but belongs to XXXX XXXX XXXX and is paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
I filed a report of identity theft with Identitytheft.gov and with the XXXX police department. I have repeatedly informed Exeter of the fraud but, hey refuse to investigate and will not take the fraudulent account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CFM Group LLC
State: GA

Complaint narrative:
this company is destroying my credit with negative reports and the statue of limitation has run out, please remove from my report, company was paid over 7 years agao

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica
State: FL

Complaint narrative:
My SS Retirement check is directly deposited in Direct Express the XXXX of the month. I received my deposit. A few hours later received an email from Direct Express stating my request to change my password was granted. I immediately called Direct Express stating I did not authorize this and why did they not try to verify request before granting it. They denied that they did this. My money was illegally transferred and all I could do is file a dispute and Direct Express never accepted responsibility for their lack of security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
This company has gotten a judgement and has frozen my bank account for an amount I do not owe. They are not the original creditors and have inflated the amount owed. I am trying to fight it in court. The company is XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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: IL

Complaint narrative:
To whom it may concern, XXXX XXXX XXXX asserts that I owe a debt to XXXX XXXX when I never held an account with this XXXX XXXX. They further assert that I owe {$2500.00}. I kindly asked them to stop harrassing me and to follow federal rules in this regard. They continue to ignore the rules. 

Prior to XXXX XXXX Solutions, the alleged debt was being claimed by Pinnacle Credit Services. I disputed the matter with all XXXX credit reporting bureaus. However, rather than being taken off my credit reports as an erroneous matter, the issue was either sold or transferred to XXXX 

They list their mailing address as : XXXX. XXXX XXXX, XXXX, SC XXXX. 

This erroneous claim is damaging and unfair to this consumer. I kindly request CFPB help resolve the matter, as the claim is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
They kept calling my cell, my parents house, my old work that I had left from 3 years ago. Claiming they were sent from Kay jewelers to collect on an old debt and that if I did n't they would sue. I have no job so I figured I would go to jail. So we set up payments. But I used my husbands card. We 're struggling as it is. But I figured not having me around would make life way harder. They said I would receive something. In the mail. I never did. I called back but never got in touch with original person and the message greeting just says " law office please leave a message '' that does not sound right. I believe they were a fake. They manipulated me and made me fear and harassed me and my family until I believed them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-03-09 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: NE

Complaint narrative:
my wife and I had a cell phone with XXXX XXXX in 2004, or prior ; the only statement I have kept is from XXXX, 2004. XXXX was bought out by XXXX, which has since been bought out by XXXX. I was charged an early termination fee, despite my explanation that we had fulfilled our contract. Obviously, I refused to pay it, and I 've had to dispute it with XXXX, repeatedly, as well as at least 1/2 dozen subsequent collection companies. 
I called XXXX today, and explained this and will forward add'l documentation to them. I understand the the current owner is Pinnacle Credit Services , LLC ; So I will name them in this complaint. The documentation that I attach will illustrate how wrongfully we have been harassed about this obligation for more than 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I have loan from greentree services, for the last few years I have tried to get a modification from them. They repeatedly have made it impossible for this to happen. My spouse died in XX/XX/XXXX in XX/XX/XXXX I became XXXX through work. I have tried over and over to refinanced or modify my loan. They always would lose paperwork, and have me jump hoops to re- submitI always have a new person working on the loan, and again, always turning paperwork to no avail papers. I have done this for years, with no help from them.Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 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: IN

Complaint narrative:
Received XXXX calls from D & A Services LLC with messages to call regarding a debt. I called, thinking this may have to do with an identity theft issue that I suffered in XXXX. However, after calling and providing my cell number ( which was the number the collection agency called ) the agent asked if I was XXXX XXXX. I advised that I was not and they obviously had the wrong telephone number on file if that was the individual they were looking for.

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: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC
State: PA

Complaint narrative:
This debt has been settled for over a year now. Pinnacle Credit XXXX -- an old XXXX bill that I did not owe, yet I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: CO

Complaint narrative:
They auto dial me to call them at least 3 times a day! I have called and tried to get assistance on how to apply for a deferment on payments as I had a baby with health issues and they wont tell me the information unless my account is according to the people i spoke to, extremely in default. I call and talk to someone and that same day I got more than one auto dial call telling me to call about my loan. Today XX/XX/XXXX, I have had 3 auto dials already between XXXX XXXX my time and XXXX XXXX. so 3 calls in under 4 hours. They are trying to get me to go delinquent and be extremely delinquent ON PURPOSE while harassing me and not helping me or answering my questions on how to get help when i call. They have given my grandmother who co signed some impression they are going to be able to come and TAKE HER HOUSE AWAY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
A sub-prime loan company has denied me a loan, after they approved me for a previous car loan a few days earlier.engi was in bad condition, the true price of the car was not reveled to me until the following days, I was told to come back to the dealership to complete more paperwork. Once I saw the true price and the APR I wanted to return the vehicle, because I was sham into a deal, after asking for significant information, that was not given before I considered the deal to be final. I requested a cheaper car in a lot better condition with less miles, the dealership continued to blind me of significant information and cost to trick me into the same deal. But I did my research and knew exactly what I wanted and the price and blue book value of the car. The dealer and their finance department questioned me and still tried to get me to purchase a high priced vehicle, I denied for a 3rd time and said this is what I want and can afford. The dealership contacted the bank that approved me before and confirmed to me that they denied me the loan for a cheaper vehicle 1 year old vehicle, but a few days ago approved a loan for a 5 year old vehicle that cost more. This did n't make any sense, and I believe that this is a form of retaliation and consumer discrimination, along with dealership deceiving practices to misguide the buyer into buying a car that is not what that customer wants and keeping information from the customer, like the bank approving the loan, who controls the APR, what is the amount the dealership added to amount of purchase, these go unanswered and hidden by dealers askew the perception of what the customer is getting themselves into. I know that the banks/sub-prime lenders are in cahoots with dealerships ( who are actually a monopolistic system ) and are using their loan power to limit the options to the customer, and overprice cars by using increasing APR methods and keeping you from contacting the lender. I believe an investigation is well overdue for car dealerships and their practices of using persuasion in a manner to basically XXXX someone into a unwanted deal without revealing the most important financial details in a contract. Also a study and investigation should and needs to be conducted on credit acceptance determining APR/interest rates, I believe the dealer targets particular people to give high interest rates to, and not really considering credit scores to define rates. These problems that I have experienced are involved with me dealing with XXXX XXXX car dealerships and CPS Lender ( Consumer Portfolio Services ). I can be contacted at XXXX XXXX for more information, its time that the oligopilization of car dealerships came to an end and consumers have the right to buy directly from a manufacturer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
this company has made several threats of harm to my bodily well being has threatened to beat up my ex husbands boss come to my home and kick the door down tried to break in my garage and i dont even have the vehicle i was just a cosigner on it

Company response to consumer: Closed with explanation