vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-06 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: OH

Complaint narrative:
I have a a unverified account from PINNACLE CREDIT SERVIC XXXX. I had previously disputed this account this account. I have never done business with PINNACLE CREDIT SERVIC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt purport I owe. I request that PINNACLE CREDIT SERVIC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINNACLE CREDIT SERVIC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number 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 2016-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Check Security Associates, LLC
State: TX

Complaint narrative:
I keep receiving several calls at my place of employment from a man named XXXX XXXX who claims to work for a Warner Location Services. I asked him to not call my employer, if this is a legal matter to please send me something in writing or by mail. He refuses and has been constantly leaving messages on my work voicemail stating I better call him by a certain time that day or legal action will be taken against me. Also states that if I do n't call him that an employment verification will be faxed to my employer. Demands that I call him back at XXXX ext. XXXX, to resolve this legal matter. When I called that number, there 's a recording that says, thank you for calling, if you know your parties extension please dial it now or press XXXX and someone will be with you. There is no introduction with a company name or anything.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 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: CA

Complaint narrative:
They had this debt on my son 's credit, I contacted them that it was not his, he was underaged. Now its on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I applied for an auto loan. Unfortunately, Exeter Financial wanted to charge me an interest rate of 15.4 % which is absurdly high. Exeter Financial has a reputation for charging XXXX and XXXX customers higher interest rates than XXXX borrower applicants. They were trying to charge me an absurdly high interest rate because of my national origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Guild Holdings Company
State: DC

Complaint narrative:
I owned a home and sold it and closed on the loan on XXXX XXXX. XX/XX/2014 I had a loan modification and received money form HUD that was due to be paid back at the time of the sale. When the loan was refinanced, I was told this was rolled in to the original mortgage rather than being paid as a XXXX mortgage. When the title company showed the second mortgage, the escrow company called and asked was it to be paid out separately, and was told by the mortgage company it was rolled in at the time of the refinance and was reflected in the higher mortgage payment and interest rate. Just 4 days before closing on XXXX XXXX I was told was this was not true by Guild Mortgage and that the XXXX and XXXX mortgage had to be paid off. I asked for confirmation and was not given sufficient documentation that the loan was not rolled in. Nor why my mortgage and interest rate was significantly raised at the time or refinance. from 3/25 % to 4.75 % XX/XX/2014. I would have asked for a different selling price had I been made aware that the HUD loan was to be paid separately IN Addition to the mortgage as a subordinate deed of trust.. I believe the mortgage company did roll the HUD loan, but had no supporting documentation or paper trail. This costs me over XXXX in profit and no one would help me and they said it was a communication error. I also did not have the information or the opportunity to resolve it during closing as the buyer had to close on XXXX XXXX and threatened legal action while Guild insisted that there was no evidence that the new amount reflected the inclusion of the XXXX HUD loan. I do n't see how someone at the mortgage company could tell me the seller and the escrow officer the same thing and then change at the last minute especially as it showed up on the Title as a separate line item ( # XXXX ) and I and the escrow officer specifically asked about it. The closing and settlement process was a nightmare and not characteristic of my genuine good experience with this mortgage company. They have failed to respond to my requests for additional information or the request to explain the difference in the stated amount for loan and principal plus interest to be {$1400.00} among and the discrepancy with what I was paying. I certainly would have had to sell my house if the payments were truly not loan and not what my regular loan statement indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 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: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
I had a XXXX cell phone account in XX/XX/XXXX. I moved in XX/XX/XXXX to a different address in the same state. I did not know that I had a residual balance on my account of XXXX cents. Pinnacle Credit Services , LLC reported this account to both credit reporting agencies 2 months ago and this account is showing up on my credit report as a open collection. I tried to resolve this through XXXX XXXX disputing services to no avail. I did not contact this company or make any payments to a collection company on this account. I received a letter from Pinnacle Credit Services which I am attaching in which they admit and I quote that " Because of the age of your debt, Pinnacle Credit Services , LLC will not sue you for it, and Pinnacle Credit Services will not report it to any credit reporting agency. '' They already did that 2 months ago! So they are still asking me for money and if I do pay it will be on my credit report as a closed collection for another 7 years! I would appreciate any help before I seek legal counsel. I am trying to buy a house and will not qualify for a bank loan with this on my credit report. Their dishonesty is costing me a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 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: MI

Complaint narrative:
Pinnacle Credit Services is refusing to verify the account. I was sent that the dispute was " Frivolous '' and they do not have to respond to the credit dispute that was sent. Upon calling the company another company named XXXX has the account. Pinnacle reports to the Bureau and diversified handles the account. 
I tried to do a " Pay for Delete '' offer and XXXX will not address the offer by saying they just show the account " paid '' and do not report to the agencies. Pinnacle does the reporting to the Credit Bureau. 
I tried calling Pinnacle Back and they keep transferring me to XXXX by saying they only have the creditor name and my name for the account. 
XXXX is not verifying or addressing my debt and will not let me remove this debt from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Dear Sir or Madam, I have contacted this company Franklin Collection Services and ask this company to removed there negative report from my credit report however they stated that there was nothing they could do to help me. this is not a debt I own to this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I reported with XXXX that someone used my social and name to try to get a loan in my name. They would n't help me. They said since the loan was not approved that I should n't worry. My credit score is low to begin with and now it dropped even lower. This company is based in XXXX and I live in XXXX. I have never even traveled to XXXX. They only took my name down, did n't take my phone number, or my social. I want to know who is out there using my social and my name. They could do a lot with that information and I 'm very worried due to the fact that I 'm trying to build my credit to get mortgage a house soon. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I received my escrow account statement from my new servicer ( SLS Mortgages ). SLS obtained my mortgage from XXXX XXXX XXXX in XXXX 2015. SLS is trying to force me to keep 2 months escrow payment in my escrow account. The shortage is almost double the 2 month requirement. SLS tells me that they can require me to keep 2 months escrow payments in my escrow account. Is this correct? Why is it almost double the amount of 2 months. My escrow payment for my taxes and insurance is less than what the payment was before the analysis.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: AR

Complaint narrative:
Debt firm purchased medical debt for pennies on the dollar, got a judgment, let the account sit dormant until about a year and a half near end of the 10 year statute for a judgment, are trying to garnish my wages. 
I called the firm and asked if I could settle it for a lump sum and they refused, stating they are n't allowed to settle medical debt. I asked why she said, " We do n't write the law so I dont know '' I called the Collection firm who placed it with the Attorney and they also refused to settle, stating they wanted every penny from me. All of this and I find out the hospital wrote the debt off -- {$2000.00} so I 'm assuming the firm paid maybe {$500.00}, and are now forcing me to pay {$5000.00} to them through garnishment without consideration of a lump sump payment of a lesser amount. Where is the CFPB when you need them???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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: ATG Credit, LLC
State: CA

Complaint narrative:
Attempting to collect an expired debt from 2008. Atg credit is repeatedly calling me and harassing me. This is an expired debt. They also refuse to remove it from my XXXX credit report. The original creditor was career education corporation. I paid this debt in full when I was attending school. Years later they tried to say I did not pay XXXX dollars I did actually pay. This is fraudulent, as well as being expired 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 2016-08-17 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: TX

Complaint narrative:
In XXXX 2011 I was XXXX out to XXXX XXXX. Having XXXX at the time, I called and told them that they needed to cancel my service as I would no longer be needing it as I had XXXX. 

It appears they did not take this into consideration, as I now have this collection reporting on my account. I feel this is wrong, as I had given prior notice of the event - and under military orders, was allowed to get out of the contract. 

Attached are the orders given to me for scrutiny. I wish for the complete removal of the account from all bureaus reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
Specialized Loan Servicing Group purchased our 2nd mortgage effective XXXX/XXXX/XXXX. SLS changed the original loan contract from a " INTEREST ONLY OPTION '' to a " INTEREST AND PRINCIPLE '' product without our consent effective XXXX/XXXX/XXXX which we highly disagreed with. Although we continued to make our normal and usual monthly electronic payments, SLS has contended we were in arrears of {$1400.00} as of XXXX/XXXX/XXXX although they never identified what thy wanted the payment amount change to without our consent. SLS has further refused to accept our electronic payments in the original amounts for the months of XXXX XXXX XXXX of this year.

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 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please be advised for many years now I have been disputing XXXX and it keeps coming back verified! My issue is I want to know the first time I was ever delinquent to XXXX meaning the first time my bill was not paid on time which will be the first time delinquent. It is not reporting as it should because they are reporting this as a retail installment and should abide by the rules of the FCRA and report the time I was first late! If they did this it would be past 7 years and this would no longer be on my report!!! It would be way past the 7 year mark yet they are making this sound so recent!!!!! 


Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Utility Company Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term -- Monthly Payment {$530.00} Responsibility Individual Account. 
Balance {$530.00} Highest Balance {$530.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due {$530.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks Collection account Payment History Latest Status : Collection/Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX F M A M J J A XXXX O XXXX D XXXX Unknown CO Collection/Charge-Off XXXX XXXX Days Late

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY

Complaint narrative:
This debt was already reported and included in a XXXX (? ) lawsuit by this company when it was using a different name. The debt was various medical bills and was put on my credit report in XXXX XXXX (? ) As such they are reporting the debt twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Moneyguard LLC
State: MO

Complaint narrative:
I have obtained a loan from Turbo Cash but they have hit my bank account at XXXX, XXXX Missouri without my permission when I instructed them that the account was compromised and closed. Now they have caused me harm and they have now turned me over to the local Prosecuting Attorney for fees that I didnt authorize. Plus they are unwilling too work with me as I did fall delinquent. This complaint will also be submitted to the FTC as well as the states Attorney General and private counsel.

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 2016-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX ( XXXX ) " transferred '' our loan to Specialized Loan Servicing ( SLS ) XX/XX/XXXX. First, they did n't give us any notification and our only indication the loan had been transferred was when an invoice did n't arrive from XXXX. Second, there was a substantial lag in the transfer of our information to SLS and we were unable to remit payment until XXXX 2016 ( at which point we paid for both XX/XX/XXXX and XX/XX/XXXX, bringing our account up to date ). Further, when the information transferred, confirmation of our condo insurance did not transfer and SLS initiated proceedings to provide insurance, despite repeated contact from myself and my insurance agent. On XXXX XXXX, 2016, we received a packet dated XXXX XXXX, 2016, with loan modification paperwork and information on how to avoid foreclosure. When I contacted SLS customer service, they were unable to confirm whether they were merely servicing or whether they had purchased the loan and while they confirmed that our accounts were up to date and they had received our insurance information, they were unable to provide contact information for filing a complaint or reference numbers for the call or any notations made to that effect in our account file. I expressed my concern that they were deliberately misrepresenting the state of our account in an attempt to get us to change the terms of our loan and they threatened to discontinue the call if I continued to " go down that road. ''

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 2016-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
My loan was modified in 2015. Original loan was {$60000.00} I made several payments bringing it down to under {$58000.00}. Then I ran into problems paying. After a year and a half it was modified. Rolling the interest into loan making it {$87000.00} my new loan basic does not have interest but I am paying down the interest rolled over. My servicer refuses to send me anything reflecting that. After requesting they said they wont.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Despite having Federal Flood Insurance Specialized Loan Servicing placed forced flood insurance on our house. Since there was a change in the amount of the payment they cancelled our automatic electronic payments. After submitting proof of coverage they removed the forced flood so I asked to have Automatic payments applied again. SLS indicated that it would take more than a month for the electronic payments to be reestablished I made the next month 's payment early, recieved a confermation number and verbal ( recorded ) confirmation that is was completed. SLS mishandled the payment, withdrew the incorrect amount of money and applied the money as principal rather than making the monthly payment as agreed. SLS then claimed the monthly payment was not made, made a report to credit reporting agencies and charged late fees. SLS then failed to honor the electronic payment request for the following month. SLS made false statements regarding the situation to myself and made threatening statements to my wife when she called to inquire about the situation.

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