vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I have received late fees on my account due to my auto loan company ( Flagship Credit ) not processing payments in a timely manner. I have mailed my payments TWO WEEKS before the due date and it takes them four weeks and sometimes longer to post the payment to my account. 

Also, I applied for a two month deferment and was told via phone it was approved and I could skip a months payment, so I did not not make a payment. Come to find out the deferment was not approved and they reported to my credit report LATE payments, I have called and called and finally I received an agent that saw what happened and went ahead and approved a two month deferment but she told me she could not correct the reporting to the credit bureaus. 

I have perfect credit with NO LATES or non-payments. I have now gone from a 100 % on time pay to a 97 % on time pay with the credit bureaus and I want the finance company to remove the late from my credit report as this is their error and not mine, I pay my bills on time. I also want the late fees removed from my billing as well, I should not have to pay late fees due to they untimely payment postings. 

I now call in my payment on its due date and have to pay a processing fee that they charge to ensure my payment is received on time which I should not have to do! They should be able to process a mail payment in a timely matter and not wait 4 - 5 weeks to post a payment every month.

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 2016-04-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery continually keeps harassing me at my place of business even though they have been told repeatedly to stop calling me at work. This is causing my boss to become irritated and I am at risk of losing my job due to the constant phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FC HoldCo LLC
State: IL

Complaint narrative:
On XX/XX/2016 an unauthorized inquiry was placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Debt was written off by the company. Now the debt collector is attempting to collect the starting balance. Why should I pay a debt collector when the company has written it off as bad debt? 
They are calling my husband as well and he did not own the account. I put his name on my savings when I had money in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30 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: VA

Complaint narrative:
It was explianed that I have open up an account witt his company and have had my phone sevices with another company for over 15 years. I feel this is a result from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Business Bureau
State: MI

Complaint narrative:
I had an invoice from XXXX XXXX XXXX and it was referred to Medical Business Bureau for non payment. Debt owed was XXXX. On XXXX XXXX, I called and paid this and was promised it would be removed from all XXXX credit reporting agencies. As of today, all XXXX show a balance, however it shows closed on XXXX. Medical Business Bureau has failed and I expect complete removal of this from my credit report. Please see attached paid proof along with my current credit report as of this morning showing the debt open/not closed/.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Business Bureau
State: GA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 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: CA

Complaint narrative:
I just started phone service with XXXX XXXX and this is the telephone that was assigned to me. I informed Progressive Financial Services that this was a new number to me and to please stop calling because I am not the person that they are looking for. They still have n't stopped calling. 
Their number is XXXX

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 2016-04-28 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: FL

Complaint narrative:
XXXX XXXX, 2016 : Pinnacle Credit Services is trying to collect for a debt I do not owe and they are reporting to the credit bureaus ( XXXX ). I called Pinnacle on XXXX XXXX 2016 and told them this debt is not mine and asked them to provide proof of documentation from the original creditor. They forwarded my call to XXXX XXXX XXXX XXXX. I again explained to them I am not responsible for the debt and would not did not agree to assume the liability. They told me they would send proof of debt and documentation to me in 2 week to 18 weeks because they are backlogged. 

XXXX XXXX 2016 : After a month of waiting for Pinnacle I decided to contacted XXXX and filed a complaint on XXXX XXXX, 2016 against Pinnacle. XXXX forwarded my complaint to Pinnacle who then replied on XX/XX/2016 to say the debt is valid but did they did not provide any proof or documentation. A representative from XXXX said I will have to contact Pinnacle/XXXX XXXX XXXX XXXX directly to request the documentation. I told XXXX this would be the second request from Pinnacle and that is why I am seeking the assistance of the FTC. 

XXXX XXXX, 2016 I need the assistance of the FTC to please help pressure Pinnacle Credit Services / XXXX XXXX XXXX. to either provide proof of documentation from the original creditor or cease their collection efforts and quit reporting negative credit reports to the credit reporting bureaus ( XXXX ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 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: OK

Complaint narrative:
Pinnacle Credit is trying to collect a debt payment ( and have reported it to the credit bureaus ) on a 2007 XXXX XXXX phone bill that is not mine. I have repeatedly asked Pinnacle to remove it from my credit reports, but they refuse. They also refuse to contact XXXX to verify the account. I have contacted XXXX. They do not have any records of an account in my name. 

I have been working with my state 's Consumer Protection Office and the Attorney General 's Office. Pinnacle still refuses to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ATG Credit, LLC
State: NC

Complaint narrative:
In XX/XX/XXXX I studied XXXX in XXXX, XXXX via a program through XXXX University while I was attending XXXX College XXXX in XXXX, IL as an XXXX student. I was awarded a certain amount of student loans to make this trip possible, in particular a federal grant ( not a loan ) that amounted between $ 5,500- {$5600.00}. Because I was not attending XXXX College for the XX/XX/XXXX XXXX due to my study XXXX program, these monies were applied to my study XXXX trip. I was later toldby the financial aid office at XXXX three months before my XX/XX/XXXX completion date that the grant to the amount of {$5500.00} was reapplied to my XX/XX/XXXX XXXX semester without knowledge. I never signed or made any written or verbal agreement with XXXX College, nor did my parents, to reapply funds from my study XXXX program to my XXXX program. XXXX College then attempted to tell me because they reapplied those funds without my knowledge or permission that I was now responsible in paying them back {$5500.00} because of adecision the financial aid office made without my knowledge or permission or that of my parents. I will not be held financially responsible for the poor decision making by XXXX College XXXX 's financial aid office. The financial aid office waited to inform me of this debt before I was set to complete my degree in order to impede me from receiving my diploma in an attempt to force me to pay more monies than I owed and force me into taking another semester of courses as they would not transfer my credits from my study XXXX program because of the debt they claimed I owed. 
I want confirmation in writing that XXXX College XXXX is responsible for the {$5800.00} debt and that it will be removed from my credit report and that I will not be held responsible for paying back any portion of this debt I did not incur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Comerica
State: TX

Complaint narrative:
I WENT ON XX/XX/2016 TO THE ATM MACHINE IN XXXX TX AND I RECIEVE FROM SOCIAL SECURITY {$750.00} A MONTH THE ATM LET ME DO ONE TRANACTION ON MY CARD WHICH COST ME {$300.00} I TRIED TO DO ANOTHER TRANACTION ON MY CARD AND THE ATM DENIED THE TRANSACTION WHEN I GOT HOME I CHECKED MY CARD AGAIN ALL I HAD ON IT WAS {$150.00} LEFT ON MY CARD. WHEN IT SHOULD HAVE BEEN CLOSE TO {$300.00} LEFT OVER FOR A TOTAL OF {$450.00}. ALL I WANT IS THE REST OF MY MONEY FROM DIRECT EXPRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Comerica
State: PA

Complaint narrative:
Comerica Bank refuses to reimburse me for fraudulent activities on my account during the time period of XXXX and XX/XX/XXXX. I am sending along official documentation of my incarceration at that time, which clearly states that I was in custody for a year during that period until my release on XX/XX/XXXX. Also included are the Social Security documentation of overpayment as well as the bank statement showing payments made to XXXX, XXXX XXXX, etc. This is a DirectExpress Mastercard through Comerica Bank onto which funds are directly deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC
State: FL

Complaint narrative:
ATG Credit calls my office weekly for a person unknown to me XXXX XXXX XXXX - last name may be misspelled XXXX. It 's a disruption to my business. I spoken with a representative to advise them they are calling a wrong number. They were inconsiderate and continue to place these calls. I have records of the calls and saved voice mails.

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

Complaint narrative:
For months now my credit has been ruined by a collection effort from XXXX XXXX and Pinnacle. XXXX after there investigation claims they notified the CRAs to delete the file. Pinnacle despite consistent efforts ignored that and when finally notified they resold the debt to one of there affiliates. The file this company claims I owe is from a current XXXX account opened XXXX/XXXX/14 so it 's baffeling how it could be a collection account. Both XXXX and XXXX have snubbed Thier noses at any applicable federal law regarding credit reporting. It 's time to put Pinnacle out of business.

Company response to consumer: Closed
Consumer complaint received 2015-05-15 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: CA

Complaint narrative:
This company has continued to report the referenced collection account on my credit report, while failing to provide me with proper validation that I request from them in mailed correspondence dated XXXX. This is a flagrant violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ATG Credit, LLC
State: TN

Complaint narrative:
NONE of the above ... It 's not our credit issue. We have been repeatedly receiving phone calls for someone we have never heard of. The message left on our machine is absurd that it says to hang up if you are not the person ... .how does an answering machine hang-up if someone is talking? The company then goes on to talk about collecting the debt. I happened to be home & actually pushed '1 ' today & the system hung up so I called the number given XXXX. And the person was a smart aleck and hung up on me. I called back & no one said anything other than to identify the company as ATG Credit. I told them to figure out my number & never call back or I would be filing a complaint. Not even 2 minutes later my phone rang again from ATG Credit & the number XXXX. I called that & once again I said I would be reporting them. I just checked through all of my call history. Between these XXXX phone numbers we have had 11 other phone calls going back to XX/XX/XXXX. No one in our household have ever heard of this company, dealt with anyone with this company nor have we heard or know the person they ask for. We have had this number for about 10 months. It is our home phone that we give out to NO one. All contacts with us are with our cellphones.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter Finance allowed my signature to be forged on documents for a vehicle without my consent and without me being there in attendance. When I approached them they suggested that I submit Identity theft report, I did that, and Exeter Finance deemed my claim frivolous. I 'm demanding justice in this matter. This is my final attempt before pursuing legal action. This is not a request for validation or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 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: PA

Complaint narrative:
In XXXX, I opened an count with XXXX XXXX. The account was closed in XXXX with a past due amount. At some point the account transferred to collections with an open date of XXXX XXXX. The dates are not accurate and the collection agency has re-aged this account according to the original creditor 's date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I have an account reporting on my credit reports from this company. I have contacted them by mail on XXXX separate occasions to ask that this debt be validated with proof of my signature to be included. The company has never responded, and continued to verify the debt with the credit bureaus and continue to update monthly as if this is an ongoing debt. The debt is also past the statute of limitations for the state of MS and they never indicated that the accounts were under dispute on my credit report. This is a violation that is illegal and can be considered pursuing a debt after the statute of limitations has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
There is a balance of XXXX on my credit report from Western Shamrock. I have filed several complaints requesting proof I owe this debt. The only letter i received was offering me a settlement on a debt that is not mine and can not be validated. I will file a civil lawsuit if I must against this company to protect my rights. I want proof this is my debt. Something showing where I signed for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 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: Pinnacle Credit Services, LLC
State: CO

Complaint narrative:
I was offered a settlement and paid it. Debt remains marked as open and owed on 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 2016-10-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Social Finance, Inc.
State: PA

Complaint narrative:
SoFi is advertising that the average consumer saved over {$17000.00}. This is predicated on optimal terms and the fact that a variable rate loan does not adjust. First of all, the optimal customer is not the average customer. More importantly, that statistical probability that a variable rate loan will not adjust during its life is nearly null. I would like to know, quantitatively, how many loans SoFi has issued that meet the advertised criteria ; delineated between fixed rate and variable rate. This is yet another example of how this company appears to be engaging in deceptive marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc.
State: VA

Complaint narrative:
Received a mail offer from SoFi of up to {$98000.00} to consolidate debt. I was preselected to receive up to that amount and maybe more. I applied for less than that amount and was denied. My credit score was over XXXX. 
When I contacted them they only checked to see that I was supposed to receive the offer. They also told me I would have to apply with one of their other companies at higher rates ( bate and switch ). Then on top of that I later received the same type of offer for up to {$93000.00}. 
I am including the offers and looking at the offers I feel they are false advertising and have udaap problems with this type of offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: OR

Complaint narrative:
I am filing a complaint against my student loan creditor ( XXXX XXXX ) and my student loan servicer ( ACS ) because they : 1 ) increased the interest rate of my loan by an amount greater than permitted by the loan terms ; 2 ) sent me XXXX student loan repayment schedules that contain incorrect information ; and, 3 ) increased the interest rate on my student loans prematurely in violation of the loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
If you make your payment on line and it is the XXXX or after they charge a {$10.00} Rush fee - even though the payment is not delinquent ( assessed a late charge until the XXXX ) There is no way to pay your payment on line after the XXXX with paying this fee. Additionally, if you pay after the XXXX of the month they assess a late charge and the fee. I want my {$10.00} fees back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a Chase credit card. Upon receiving my bill for XXXX 2015 amounting to {$2700.00}, I paid the next day {$2700.00}, intentionally leaving a unpaid balance of {$83.00} I used my internet XXXX banking account. The XX/XX/XXXX bill showed an interest charge of {$14.00} on an unpaid balance of {$1000.00}! I called Chase to question where they came up with this amount. She said it was based on your average for the month and could not explain it any better to me. I feel if I paid all but {$83.00} I should be charged interest for JUST this amount for the XXXX days it was carried over till next month. I think this is a scam used by credit card companies. If Chase has XXXX XXXX card holders and they do this to everyone that has an unpaid carried over amount, they make a lot of extra money each month and is vary unfair to card holders. I bet few people realized this is going on and do n't question the excessive interest on their bills each month. I read the recent article in XXXX magazine and felt it worthy of sending this note to you. Thank you for protecting us. XXXX XXXX

Company response to consumer: Closed with monetary relief