vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-23 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: PA

Complaint narrative:
A law firm sent to me a letter stating that they were of counsel for Pinnacle Credit Services , LLC, and that they were stating that I made an identity theft claim on a debt with XXXX XXXX. This in itsels is a complete fabrication. I have attached both correspondences from XXXX and XXXX XXXX, XXXX. Both entities are in serious violation of the Fair Debt Collection Practices Act, and have mutilated my personal credit without justification. I make the following criteria to show that there is nothing more to this collection other than an abusive collection on a debt that can not be validated. 

The Federal Trade Commission made the following determination on the proper debt collection process through a lawsuit they filed in XX/XX/XXXX, resolved in XX/XX/XXXX known as FTC v. XXXX XXXX XXXX XXXX. There must be three criteria on the valid collection of a debt. 

# 1 The debt must be proved owed to the initial entity. 

# 2 There must be a valid assignment or sale of debt to a third party, backed up by true copy originality. This is without exception, thus stating that all debt pool findings of debt by licensed collection agencies as immediately invalid. Also, the licensing of every collection agency must be on all letterhead, a fact missed by Pinnacle Credit Services , LLC. 

# 3 The debt collection process can not exist if outside the legal collection parameters of the domiciled jurisdiction of the debtor. If Pinnacle states that they purchased the XXXX debt in XX/XX/XXXX, where is the signed proof. Simply stated, there is no proof as the debtor 's information was received through a highly questional if not unethical debt pooling system that will most likely be shut down by the Federal Trade Commission in fiscal year XXXX. The FTC is now holding national meetings on how to fix the deplorable debt collection business. 

The Crosstown Law letter s a joke, whereas the legal entity of Pinnacle Credit Services LLC are very subtly stating that in essence they have no existence of legal transfer of a XXXX debt. In addition, if they did the debt would have exceeded the legal collection timeline in the New Jersey jurisdiction in any event. I demand that I receive a noticve that the collection process has been cancelled, and that my file is being purged, in addition to the collection being removed on all pertinent credit reporting agencies. 

The debt collection system is broken, a press release by the Federal Trade Commission in XX/XX/XXXX. Pinnacle Credit Services LLC is at the bottom of the pool in the method they use with American consumers. It 's time we expose their legal entities that carry on with the same collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc.
State: NV

Complaint narrative:
this is a hospital bill that the va should have paid but they ( XXXX ) did not bill properly or in a timely fashion. The XXXX in XXXX, Tn. sent me to the er. the hospital tried to bill the XXXX a year late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica
State: MI

Complaint narrative:
On XXXX/XXXX/15, someone created fraudulent checks and went to XXXX different Comerica Bank locations to cash checks from our accounts. In total XXXX checks were cashed on the same day. The bank branch suspected fraud and called us but could not get through to us immediately. We were able to speak to the bank branch that day, instructed the bank that it was fraudulent, to stop cashing those checks and to call the police. The police were able to arrive and arrest one individual while he was trying to cash a fake check. The police noted the other assailants fled the scene. Comerica Bank originally returned all of the stolen money to our account after they had us sign affidavits at their branch. Then on XXXX XXXX, 2015 they informed us they were deducting the entire stolen amount from our remaining balance and we were to be held liable for the fraudulent check cashing. Despite the police report showing the checks were fraudulent, Comerica Bank is still holding us accountable even though we are not the ones in a position to determine whether a check is fraudulent or not nor were we in a position to stop the cashing of the checks. Comerica Bank has a duty to ascertain whether checks are fraudulent before cashing them. In this instance, they already suspected fraud yet still continued to cash the checks. This issuspicious to say the least. So after signing affidavits attesting to fraud, they can collect from their insurance at our expense. By law, we have 60 days to report fraud. We reported it the same day it was occurring and by our own hand stopped more fraud from occurring. Comerica Bank on the other hand, negligently cashed fake checks and perpetuated repeated fraudulent check cashing when they clearly suspected fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been customer of Bank of America for about XXXX years. in XXXX 2013, I was out the country for about XXXX month and realized that I had left my wallet and debit card in the taxi I had used to go to the airport and when I got back, I immidiately went to the bank to check my balances and also to report that I had lost my card. However, I was told that someone had used my card while I was out of the country and I was told that some had been using my debit card while I was away and I toldvth ed m that I was XXXX unabl ed to contact the bank and they told me to submit some kind of document that proves that I was n't here when those unauthorized transaction occurred and I did submit a photocopy of my passport and my air Fair to prove that I was out of the country. After doing all that, I called the bank to Ask them if they are going refend the amount that was taken by unauthorized person but I was told that my claim was rejected and they couldnt do anything about it. I was really angry and disappointed because they failed to resolve my issues and as a result of that, my account got terminated and now I am unable to obtain a debit card. I have reported repidetely for my claim to be reconciled but they failed to resolve the issue. I am left with biterness and dissapintment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Comerica
State: TN

Complaint narrative:
My complaint is with Direct Express, the card the government uses to issue my Social Security XXXX checks. This is regarding the complete withdrawal of funds from my account with Direct Express from an ATM. Using a cloned credit card unknown persons at XXXX on the on the morning of XXXX XXXX, 2016 made several withdrawals from the account, each transaction was around {$300.00} for a total of {$1600.00}. They did suspend the account and issue a new card however ; after that first call we have been unable to speak with anyone. Direct Express has made no attempt to contact me to help resolve this theft from my account or assist in filing a police report. I 've long been a user of Direct Express and up until now have always regarded them as an excellent company. I have every faith therefore that they will do whatever they can to rectify this situation. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica
State: TX

Complaint narrative:
I have been charged overdraft fee 's unwarranted by Comerica bank for XXXX unauthorized for $ XXXX.each resulting in fee 's of {$140.00} fee 's between XXXX XXXX and XXXX XXXX 2015 and was charged a continuous OD fee of {$6.00}. resulting from these withdrawals of overdrafts fee 's and caused XXXX more OD fees in this same period because of fee 's taken by the bank. Also have other transactions such as teller counter withdrawals of {$30.00} which I inquire balance before withdrawal and balance was $ XXXX.but the next day I received OD charge was told had a pending soft post the teller could n't access on her system therefore she gave the wrong info on my balance and allowed a withdrawal when funds really was n't available which cost me {$34.00}. I 've called to address this for the last XXXX and very little to no response from their escalation dept.to get this resolved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-18 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: TX

Complaint narrative:
Please accept this statement from my wife on my behalf. She is the one helping me fix this matter. 
My wife : I called XXXX directly today to pay a debt of {$100.00}. XXXX stated that Pinnacle was part of their company and could accept my payment. I made the payment of {$100.00} I have a confirmation number. I called XXXX back to get a receipt or something in writing that it was paid. XXXX stated the account was written off and that they could not give me a receipt. XXXX did confirm they did receive my payment but can not give me a receipt for the payment. I had to call Pinnacle to obtain pay off info. I called Pinnacle and they stated that debt was written off and given to XXXX agency that works with their company. This company does not report to the credit bureau for my husband 's credit. After speaking with the XXXX XXXX XXXX agency the man was rude and not helpful so I hung up. Called XXXX back and explain the dilemma and they still suggested I should call Pinnacle. I called Pinnacle and they mention they could not give me a receipt stating that it was paid off because it was with the XXXX XXXX XXXX group. I mentioned to the lady that Pinnacle is the company reporting to my husband 's credit report not the other company. So I asked to speak with her supervisor at Pinnacle she stated that I needed to talk with the supervisor at XXXX XXXX XXXX group. I stated they do not report to my husband 's credit report. She stated that I would need to talk to XXXX XXXX XXXX group. I told her that I did not want to talk with the other agency because they are not the ones reporting to my husbands credit and if we could not resolve this I was going to file a complaint with CFPB. She proceeded to transfer me to the other company anyways. So I am now filing complaint. All this because I just needed a receipt stating my husband 's debt was paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Comerica
State: FL

Complaint narrative:
I filed a dispute and provided proof of RMA ( Return Merchandise Authorization ) and that I was unaware of what the other charges from a related company were for. Unlike any card company I have ever dealt with they denied the claim and sent me back to the merchant even with proof that I returned the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Comerica
State: NC

Complaint narrative:
We sold our house in the XXXX XXXX last week and moved to a home in XXXX where we want to use the proceeds of the XXXX area mortgage to pay off for a mortgage here in XXXX. The bank involved on the payoff mortgage for our present home mortgage has no offices XXXX area. Because of that they have stated that we must come in person to payoff this mortgage requiring a XXXX mile round trip. We want to pay off the mortgage without making this trip! Is this possible? The bank is Comerica.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 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: UT

Complaint narrative:
I found out that a XXXX XXXX account was opened using my social security number. I also filed a police report on XXXX XXXX, 2013 stating such. This debt has been sold to multiple collection companies over time. Pinnacle Credit Service has reported this on my XXXX report without validating the debt, which is a violation of the FCRA. I have sent multiple letters, which has included the police report to Pinnacle or their associates, in which the collections will then change hands. I am extremely upset that this company is willing to report such damaging items on my credit report without validating the 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 2015-10-26 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Check Security Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX continues to call when asked to cease all collection attempts to my work number and he has crossed the line, threatening legal action, imprisonment, wage garnishment, asset collection, and credit reporting against me. He has also after speaking with me today, at my work as I told him I could not talk he called back I had my boss in the office and it is an unidentified number I assumed for work, when I answered he began the threats above and when I asked the amount he could n't give me a set amount I told him I contacted the owner of debt who said they do not have further information regarding the debt and will not provide it any further. He again called again, then when I again asked him for the XXXX time not to call my office or work, he called today, then when I told him I would rather it go to collections where I can deal with a claim in writing instead of giving them my money over the phone, he said so you are refusing to cooperate I said yes, he said we will contact our lawyers and it will cost you more, then he proceeded shortly after this to contact my mother at her place of employment, my father and my sister all ina matter of 1 hour with him stating he is a location service attempting to find me and collect a debt from me or they could settle it for me. this is crazy ... illegal and wrong to even continue this I can lose my job and how can he say I owe and contact family members who were never on my loan and give them false information that he is a location service? his contact number is XXXX x XXXX and it states they are an assets management service.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I paid my balance in full to ATG credit since XXXX but still they DO N'T want to remove the account in my credit report even i wrote them a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: IL

Complaint narrative:
Debt was paid today and within XXXX minutes creditor negatively reported it to the credit bureaus. When I called back to ask for an explanation, she continued to be aggressive and act as she either did it on purpose or was covering for her colleague.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Comerica
State: TX

Complaint narrative:
Dear CFPB, On XXXX XXXX, 2016, I went to the Comerica Branch in XXXX XXXX, XXXX XXXX to close my individual account. A couple of months later I noticed funds had been withdrawn from a different joint account on which I am a signer. It turns out the Comerica Branch in XXXX XXXX did not properly close my account on XXXX XXXX, and as a result, I was incorrectly charged inactivity fees, which then turned into overdraft fees as the account dropped below {$0.00}. This negative balance was then automatically pulled from the joint account. 

I went to the XXXX XXXX Branch where I closed my account in an attempt to resolve the issue. The manager there told me to contact the branch in Texas where I had originally opened my account. I have been sent back and forth with no resolution. Comerica owes me {$50.00} as a result of being charged inactivity and overdraft fees due to their error. I have patiently worked with them to no avail and request the assistance of the CFPB in finally resolving this simple matter. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have requested Portfolio Recovery to verify a debt they have reported to my credit report and have not gotten any documentation or reponse

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio keeps contacting for a debt that is more than 7 years old. They are a third party collection agency and call me at my job. 
I want all calls to cease and desist both to my work and home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
THEY SENT ME A SUMMONS TO SUE ME IN CIRCUIT COURT AND I TRIED TO EXPLAIN TO THESE PEOPLE THAT IT WAS NOT MY DEBTTHAT SON HAD DONE THIS AND WOULD THEY SEND MY A COPY WITH MY SIGNATURE ON IT SHOWING I HAD MADE THE PURCHASE AND THEY SAID THEY DID NOT HAVE TO THAT IT WAS ALREADY VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Received a letter from a credit collector and the debt does not belong to me, I never opened the account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This company calls me XXXX a day and XXXX day. I have spoke to numerous representatives explaining that I am unable to make a payment due to my change in employment. I also asked if they could minimize the repetitive phone calls to my house and the lady representative shared tthat the only way to stop the calls is to pay the debt in full. Finally after going back and fourth with this worker, she asked if she could call my personal cell phone. I told her absolutely not and she said the Only way to stop that is to write a letter to the company. After becoming frustrated with this worker I hung up and landed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I 'm an XXXX. I purchased a brand new 2014 XXXX XXXX from a dealership on XXXX 2014. I did not know I was getting tricked into signing a contract for 73 months for a monthly payment of XXXX which Equals XXXX plus a down payment of XXXX that I had upfront during the purchase of the car which adds up to XXXX. My car is in excellent condition and only has about XXXX miles on it. The blue XXXX worth is XXXX and at the dealership the sticker price was XXXX. I have paid all my payments every month. I spoke to a finicial counseler and made it clear I was taken advantage of simply because I was a XXXX. The dealership even knew how much I made as an XXXX. I will be paying over XXXX when I 'm done paying this car. I have a family of XXXX that I need to support and this unfair and unjust. I did n't knew what I was going to pay over XXXX what the vehicle is worth. They never explained none of the APR % or how much I 'd end up losing and I fell really taken advantage off. I 've been XXXX for over 5 years, executed XXXX in order for businesses to sell their product in our great crountry. When I return home I get taken advantage of with no mercy. If this has been done to me I wonder how many other service and non service members they have gotten. I wish for my payment to be lower as well as the total of the vehicle. The dealers sales men never shared the information of the deal they made with the finiacial company that gave the loan nor explained why I had to pay XXXX for 73 months. I want to dispute this. This always happens simply because I am a XXXX member, and I live near a base so all these businesses set up and sell their products advertising " we do military finiance '' they reel us in like fishes. This is an outrage. Will you be able to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
My vehicle was claimed as exempt in my ch XXXX bankruptcy. 
{$0.00} I have a no asset case. 
Portfolio recovery agency who is NOT the leinholder repossed my vehicle and requires {$26000.00} to buy my vehicle back. ( sidenote : this is more the purchase cost of the vehicle I bought in XXXX ) ( I filed ch XXXX in XXXX and converted to ch XXXX XXXX XXXX ) I am disputing this debt.

Company response to consumer: Closed with explanation