vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-03 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: AL

Complaint narrative:
I have a paid collection on my credit report from Franklin Collection Services , Inc listing an old XXXX XXXX XXXX account. I have spoken with several XXXX XXXX XXXX representatives that all express confusion over this collection and assure me it is a misunderstanding, there is no reason for Franklin to report this account at all, the account shows good standing in their system and they will contact Franklin and make sure the collection is removed from my credit report. I am attaching a payment confirmation XXXX XXXX XXXX sent me as well as transcript with an XXXX XXXX XXXX representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
Medical bills have been paid in full not sure what to do

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
Consumer complaint received 2016-01-20 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: Pinnacle Credit Services, LLC
State: OH

Complaint narrative:
I have filed a dispute due to the inaccurate information on my credit report as reported by Pinnacle Credit Services. I never received a response back concerning the account. The item listed by Pinnacle has missing information such as the proper open account date. The OPEN DATE is in direct conflict with the Date of last activity. This account is in error and should be removed from all XXXX credit bureaus. The account number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
A debt collector put a lien on a old debt on my credit report it expired and is due to come off so a debt collector law firm sent a letter I sent XXXX request of verification of debt and last transaction and nothing. Instead they file garnishment against me on a debt that is approximately 20 yrs old how is that legal and where is my rights as a consumer. the law firm is Hayt, Hayt & Landau PL in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Progressive Financial Services, Inc.
State: GA

Complaint narrative:
My pay check was garnished with no prior notice. I ask for proof of debt and none has been provided. in the meantime, my checks are still being garnished and I am getting the run-around. I believe these judgements are being robo signed without consumers having an oportunity to dispute the validity of the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
I filed BK and this collection agency did not show up to the creditor meeting to contest the collection. They have just reported this open again in XXXX. They should not be reporting any status since this was included in the BK filing.They listed remarks as the BK but that they are disputing the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Hewitt-Capital
State: MO

Complaint narrative:
I received a call telling me that XXXX XXXX '' needed to confirm that I was going to home on Tuesday with ID to sign for a package. I asked who it was from he said HC XXXX. I explained that I did not want the package because I am not familiar with the sender. He then told me that he would forward through dispatch to the client who is sending it so that I can verify. I then was put on the phone with a gentleman telling me that a company was filing against me in XXXX County and he needed to send the me the documents. I advised him that I could not commit to be home during any 4 hour window on any day as I keep a busy schedule. HE then told me that he would advise XXXX County that I am a skip and they can deal with finding me. I said no problem sir, but for the record, your false legal jargon needs some updating because when a person is being sued, they are notified by the court so they do n't need your documents. Good Day! I called the XXXX County Courthouse and they advised me that they had no lawsuit pending AND that if a suit is filed and a court date issued they will provide me with the paperwork via certified mail or deputy service. Anyone who gets a call from these people, write it down because this process they are using will hurt them in court! I tried to call the number back to the so called courier service and no one would answer. Then I tried from my home phone an still no answer. Low and behold they called back and the name on the caller ID said " Hewitt Capital ''. I am assuming that this is what the HC in HC XXXX stands for. I guess they either own XXXX XXXX or they were ( and I am sure this is it because according to the real company XXXX XXXX whose number I found online, they are not affiliated ) misrepresenting themselves in order to try and collect a debt. I felt threatened, the conversation made no sense because I initially though he was telling my that I was being sued by the county that I live in. I called my country courthouse and they stated that there was no pending action against me for this company and that they would have served any papers to me. This man made me think I was suppose to be in court next week!! Gave a XXXX XXXX in the middle of lunch with my toddler, thought I was going to have to go to the hospital!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: IL

Complaint narrative:
RIP OFF AND FRAUD COMPLAINT. 

Message : Complaint # XXXX. Copy of my complaint to XXXX. and FTC. 
XXXX XXXX XXXX cancel the ACH services and Directed me to ENROLL for my Social Security Bennefit Payment with XXXX who latter asked me to Register with Direct Express Card Payment Processing Services . I did Enroll since XXXX XXXX, 2015. ATM card was issued for me on XXXX XXXX 2015. Up to date, I did not get the ATM Card. It was never mailed to me. But my Benefit payment was been Sat Upon, starting from XXXX 2015. Now they have my XXXX, XXXX, XXXX AND XXXX Payment without me being able to access my money for four Months. My Family is Starving and has no money for Food since. My Small Children are the Victims of this wicked act.I have Cancelled my Business with them, but access to my money with them remained a misery. i need my money to feed my little children and myself. Please Help me somebody. 

Desired Settlement : Refund My Benefit Money for 4 Months, Namely XXXX, XXXX, XXXX and XXXX is to be SENT to Me Either on a replacement CARD or By Check in my Name to be sent to my address at the XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX for the 4 Months, to be sent to Me Please. 

I am contacting you to see if you can help me recover a 4 Month Payment recieved by this company. But refused to furnish the Payment to me since last year. All efforts to get this {$350.00} x XXXX = {$1000.00}. in Total proved abortive. The company is named : Direct Express Card. Phone # XXXX and XXXX. Cust.Support XXXX. Social Security Bennefit Payments For Me.. This company collected 4 months of my money without giving me the money up till date. Can you collect this money for me Please? I am corrently in XXXX. XXXX My Phone # XXXX XXXX and XXXX. This company address is XXXX XXXX, XXXX XXXX, XXXX XXXX Email : if it is working is XXXXXXXXXXXX Please let me know if you can assist or Direct me to Who can help with this information given to them. thanks. 
This is done to many more People too. 
This wicked practice has to STOP on SENIOR CITIZEN. Thanks.

Company response to consumer: Closed with explanation
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 resulted from identity theft
Company: Progressive Financial Services, Inc.
State: NV

Complaint narrative:
This company was contacted by me with an attempt to pay this debt, however upon further review this account is not mine. I have been a victim of identity theft. this item needs to be removed from my credit at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 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: MD

Complaint narrative:
I settled an account with XXXX XXXX in XXXX XXXX. In XXXX, they still sold my account to Pinnacle Credit Solutions and Pinnacle has been reporting it to the credit bureaus since then. I have disputed this account every year when I review my credit reports but never really followed up with why it was n't dropping off. This year I 'm purchasing a home and looking into everything on my credit reports and getting little to no assistance from either company. In XXXX XXXX, XXXX XXXX purchased my account back from Pinnacle after they realized it had already been settled and sent Pinnacle and the credit bureaus deletion letters to have the account deleted from my credit report. Pinnacle continues to report my account even though they do n't own it. How is that allowed? When I do call Pinnacle, they are very rude and insist on transferring my call to a subsidiary company that manages the account, XXXX XXXX. XXXX says that according to their records my account was paid on XXXX XXXX, XXXX which is still inaccurate information. However, they maintain that they made Pinnacle aware of the payoff and that Pinnacle should 've ceased reporting the account at that time ; almost 2 years ago. So even though Pinnacle does n't own the account and their management company says the account was paid, they continue to report this to the credit bureaus even as late as XXXX XXXX, XXXX and nobody seems to care to do anything about it at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Remex, Inc.
State: NJ

Complaint narrative:
while i was checking my credit score i found my score went down from XXXX to XXXX then i checked everything i found account from remex inc for debt collection {$75.00} i did not know for who i called them they did not give me enough information but they told me its from XXXX hospital, but that is wrong i have complaint against hospital for {$1200.00} and the hospital did not send me any statment for $ XXXXand also remex collection agency did send me any notice about that how they give themselves the right to report me and destory my credit becuse i complaint fraud XXXX hospital

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 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: PA

Complaint narrative:
Alleged Debt was not validated nor verified. Consumer requested validation multiple times in writing ( Certified Mail ) and never received a response. Consumer filed complaint with CFPB and they failed to respond to CFPB investigation. Consumer filed second Request to CFPB for assistance and Creditor still fails to respond. This the the third request since XX/XX/2016 where consumer is demanding proof of alleged debt. My credit report shows Creditor as Pinnacle, yet XXXX states they are servicing for Pinnacle. There is no proof of ownership of this alleged debt nor any validation. Multiple FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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: AZ

Complaint narrative:
I settled this debt and payed in full 2 months ago. I have bank records proving I settled and payed this debt in full on XXXX/XXXX/2016 ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Overdraft, savings or rewards features — 
Company: Comerica
State: CO

Complaint narrative:
This is prepaid card. I use it to avoid overdrafts and fees and no longer use checking accounts to prevent overdraft issues.I checked my statement on XXXX and had an available balance of XXXX I went to ATM to get cash to pay bills. Today I check to see my balance and it is XXXX overlimit. I immediately called customer service who informed me that " pending transactions/holds '' were released because the merchant did n't submit the charge and that was why I had an available balance, but today they resubmitted the charge. I asked why they " paid '' this transaction knowing I did n't have the money and causing an overdraft and overlimit o XXXX on my account. My understanding with my previous account was that if I did not " opt in '' to approve charges to be paid and cause my account to be negative they could n't go through or be paid. It is the whole reason why I chose a prepaid debit card, you can only use what you have available and other transactions will not go through because you do n't have the funds. But this place decided against me and paid the vendor. I would have dealt with the bill not being paid if it did n't go through and never asked them topay this to overdraft my account. They old me they paid it because I owed the company money who put the charge through, that is not their decision to make. I have ever heard of a debit card especially a prepaid debit card company saying " you owed the company on this bill, so we paid it '' many times I did n't have money available in my account and never id a credit card, bank card tell me they paid the bill cause I owed it no matter if it overdrafted my account. They abused their authority and neglected mine by allowing my account to overdraft for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 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: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
I received a collection notice about a month ago and I responded to advise the collection agency that the debt was not mine and is a result of identity theft. The debt is disputed, not owed and stop collection attempts. The agency sent me another collection notice dated XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: GA

Complaint narrative:
I am experiencing difficulties with collections on my report that is n't mines or has been paid through my insurances. In 2014 I began to receive bills from a lab. I informed them my insurance paid and ensured them if I had a co payment then medicaid pick it up. I remember even providing them with both insurance information. I even called my doctor 's office to see why I was receiving calls and bills from the lab company and they too were clueless. I recently received XXXX bills in the mail. {$390.00} for date incurred XXXX/XXXX/2014, {$59.00} for date XXXX/XXXX/2014 and {$530.00} for date incurred XXXX/XXXX/2014 all from the same collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 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: Armcon Corp
State: CA

Complaint narrative:
A collection agency for a HOA was harrassing me for dues I failed to pay when the house was in forclosure. I kept telling them the bank owned the property and to contact them I no longer lived there. The HOA chose to ignore me and kept billing me for dues now over XXXX.+ They turned the matter over to Coachella Valley Collection Service . Whom continued to contact family member 's, threatening & harrassing them. So how do they get away with such fraud and deception, and win a court case I knew nothing about. So, therefore, do n't move to XXXX XXXX, in Ca

Company response to consumer: Closed
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditor Claims of America, Inc.
State: MD

Complaint narrative:
I had my XXXX around XXXX 2012. I was sent to XXXX for my XXXX. After my results were sent to my doctor, she insisted I came in to see her. When I got there, she told me I was fine and should continue with my vitamins. The next thing I saw was a bill for coming in to hear the results for my XXXX. Note that I had already fully paid for my XXXX This is information that she could have told me over the phone, by mail, email or even put on my online account with her Practice. I have explained to the Doctor 's Practice ( XXXX XXXX 's XXXX ) that I dispute this bill and that they were free to take me to court if they felt otherwise. Instead they have continued to harass me with invoices and through a collection agency called Creditor Claims of America , Inc. I have advised this agency in writing and through phone calls that this debt is disputed but they continue to harass me.

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 monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: FIRST HORIZON BANK
State: MS

Complaint narrative:
On XXXX XXXX, 2016 my First Tennessee XXXX XXXX debit card ( XXXX ) was closed without notice or reason. I received an email from the company stating they will hold my money for 30 days, and then issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
I requested verification of debt, debt collector and/or attorney stated they did not have to provide me with proper validation of debt the further stated that copies of past statements were validation of debt. I am not disputing that I owe the company money I 'm disputing the amount I have questions about the debt I requested proper validation of the debt as well as the signed contract from the credit card company and signatures of purchases that I personally made with the credit card none of which I have been given except for copies of statements of two plus years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I had a fraudulent charge on my account and First Tennessee cancelled my card and reissued me a new card. When they did this, they cleared all of my electronic account statements so that I no longer could see my old charges. When I asked about obtaining the statements ( that I never received in paper I do n't think, as they were only provided to me via the site ) that told me I needed to pay {$7.00} per statement. I explained that I still have a credit card account with them and explained why that card had been closed. They advised it made no difference and that I needed to pay the $ XXXX. This does not seem fair, to close an account because of fraudulent charges and then tell me I no longer can access my old statements without paying {$7.00} for each month I need to see.

Company response to consumer: Closed with non-monetary relief