vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Broward Adjustment Services
State: FL

Complaint narrative:
I have asked on multiples occasions validation of these accounts to this company through the credit bureaus without a statement from the agency, keep that information in my credit files, under Fair Debt Collection Practices Act I have the right, unverifiable accounts must be remove under the Fair credit reporting Act I hereby request.1-What the money you say I owe is for 2- Explain and show me how you calculated what you say I owe 3-Provide me copies of any papers that show agreed to pay what you say I owe 4-Provide a verification or any judgment if applicable 5- Identify the original creditor 6- Prove the statute of limitations has not expired on this accounts 7- Show me that you are licensed to collect in my state 8- Provide me with your license numbers and registered agent. Without this information requested is clearly violating my rights

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Farrell Holdings, LLC
State: UT

Complaint narrative:
I had an auto loan that was previously repossessed back in XX/XX/2012. This debt is now past the statute of limitations on debt collection. However, they sold the debt to XXXX XXXX XXXX and both companies are now recently reporting on my credit file with a balance. It is against the law for XXXX companies to collect on the same 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 2016-09-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: FIRST HORIZON BANK
State: MD

Complaint narrative:
I took out a line of credit loan back in XXXX the loan was for 20 years. for the first 10 years which ended in XXXX my payment was {$760.00}. without any warning my payment went to over {$2800.00} starting in XXXX. I could not make such a large payment and continued to make a {$760.00} payment per month to this date. the bank is threating forcloseure if all arrears are not paid by XXXX. I have applied for a loan modification and waiting to hear about that. my first mortgage is nearly paid off. I have lived here 25 years and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 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: Stellar Recovery, Inc.
State: WA

Complaint narrative:
I paid the debt they wo n't take of 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 2016-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
This debt is not mine, furthermore I was not notified or sent a notice that this debt was going to affect my credit score. No notice of an attempt to collect a debt was sent or an option to dispute the debt was given. This debt is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 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: MN

Complaint narrative:
I have disputed this debt and asked for verification of my responsibility for the account but never received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 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: TX

Complaint narrative:
XXXX and Pinnacle credit are trying to collect a debt that I do not owe. I had service with XXXX for less than 10 days and returned the phone and cancelled service after realizing they did not provide service in my hometown. They have been trying to collect {$530.00} from me ever since. I have provided the contract and other documentation proving I do not owe this MULTIPLE times to all XXXX credit bureaus and to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02 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: MS

Complaint narrative:
I was hurt on the job. I was covered by workmans comp. I Supplied all required and requested information to hospital administration. I completed and turned in every form to my employer in a very timely manner. A few days later, I began getting phone calls about the hospital not receiving payment. I told my employer that there was an issue with the hospital getting payment because the insurance company did not have all of the required paperwork. My employer kept saying it 's all been taken care of, the company and the hospital will get it worked out. I stated my case to anyone that had any involvement in the process. Just hoping I would be released from the responsibility of asking adults who are professionals in the customer service industry to communicate effectively and identify issues that have very simple solutions. It quickly became clear that complete incompetence, or at-the-very-least fraudulent negligence by my employer and his insurance company. I quit my job and never again was able to have any conversation with my ex-employer. I ca n't even get info on which WorkComp Co. the policy was with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I recently submitted a dispute with XXXX about some negative accounts that Smith/Rouchon had applied to my credit reports. XXXX submitted the dispute and the company did n't verify the debt.. The items were deleted and an updated copy of my report was submitted to me via mail I 'm XXXX 2016.. Smith/Rouchon re inserted the negatives which cause a tremendous drop in my credit score. They never sent notification that they were adding the negative items back to my account and by. State law they have to submit notice to the consumer.. I am asking that the inaccuracies be deleted and not be put back on my reports from all XXXX bureaus..This company buys accounts for XXXX and add unnecessary fees and court costs.. they never provide me any services nor should I have to pay for services that were n't rendered from this company.. I am going to file a suit against this company for violating all laws..

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 2016-07-14 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Check Security Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX from XXXX ..she said she was calling from the Warner Location..called stating they are going to arrest me for a bad check..Not sure what she is talking about but she is harassing me at work and wont stop calling my daughter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica
State: TX

Complaint narrative:
Comerica has to be one of the WORST banks out here. I just checked my balance today and BOTH my accounts are overdrawn ... ( that has never happened to me since I have had an account ( s ) with them ) I have had complaints sent to XXXX and CFPB in the past about them. Yet ... they STILL get their way. 

I am charged an excess fee of some sort in my savings account. I do n't know how I have excessively done anything ... when I learned that the branch where I opened up my account has been transferring funds to and from the accounts? They claim it is to avoid an overdraft. 

They allowed XXXX dollars to be approved XXXX XXXX ... they have never in history of my account approved this transaction unless the funds were fully available. I am tired of them getting over me and accusing me of not having funds in enough time or whatever excuses/reasons they come up with. They need to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
got me on a computer calling machine after I talk to a representative off this company they continue to call me XXXX times a day, I have already made payments for automatic withdraw from my checking account, and they still harass me, I also told them not to call me on the XXXX and yet I recieved XXXX calls today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Business Bureau
State: TX

Complaint narrative:
I 've requested MBB to provide validation of debt and they do n't. All they 've sent me are the account numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 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: AL

Complaint narrative:
this debt was included in my chapter XXXX case in XXXX, after my case was completed in XXXX XXXX decided to turn this account over to a collection agent in the amount of XXXX it is listed on my credit report status as in collection, I have called XXXX XXXX on numerous time about this account no result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I have been with Exeter Finance for about XXXX years now and they have been told over a year ago, not to call my work place. They were compliant until XXXX XXXX when I got a call on my phone at work from them. I have the call in my call log at work and if need be I can see if I can get a print out from the main computer that hosts our phones. This is a violation of my rights as a consumer and something needs to be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Business Bureau
State: TX

Complaint narrative:
On XXXX/XXXX/15 I requested XXXX provide validation for {$500.00} debt being reported to credit bureaus. On XXXX/XXXX/15 XXXX responded, but did not provide sufficient evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter finance has continually misled to me and admitted their mistakes on a recorded line. They sold me a loan and lied to me how much interest I was paying and how it was accruing.In addition their collection activities have been harassing at work and they have not complied with Georgia rules and given me enough notice XXXX is my account number I have spoken with XXXX and XXXX at their company and they give a list of excuses. They stated and admitted they have made mistakes in their verbal conversations and are constantly not meeting compliance on my account on verbal recorded lines. I am requesting the interest rate I was advised by Exeter upon the receipt of the initial loan 19.71 percent is what I have and I am requesting it to be the 10 percent I was advised. They are sloppy in their training of employees and they are not advising me correct information as when my vehicle is for assignment and notices given. They have distorted truth and admitted to their mistakes verbally but have n't cured them. I was told it was an installment loan annual interest accrued. Instead they gave me an vehicle loan of interest calculating the loan. Their notices after making a payment were not compliant with Georgia on the XXXX day. I made a payment and was told verbally that would negate the notice. Now they are saying after given the money they do n't have to meet compliance. I was never explained the terms of my loan and now I am stuck with this interest rate. Exeter finance never explained the loan to me and has misled me since inception.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
Pinnacle Credit Services has violated fair collection processes egregiously with me. 
I have attached the original documentation plus faxes sent to all parties1. Pinnacle is not the original creditor. 
2. Pinnacle is reporting as an original creditor on more than one of the credit bureaus ( FCRA Violation ) 3. As they are reporting to all 3 bureaus, this debt will continue reporting until XXXX XXXX. XXXX, XXXX statute of limitation for suit passed as of XXXX XXXX. XXXX, the standard of XXXX XXXX XXXX for accuracy of demand on time barred debt applies to all communication to me. ( Demand attached ) 4. A debt buyer hired by Pinnacle XXXX XXXX XXXX offered me a settlement on an out-of-statute account contrary to XXXX XXXX XXXX XXXX XXXX. XXXX attached ) on XXXX XXXX, XXXX. 
5. Pinnacle is now reporting to the bureaus, contrary to earlier reports, as being able to be reported until XXXX XXXX contrary to their earlier reporting as XXXX XXXX. 
6. Received a letter stating XXXX was closing the case and information submitted back to Pinnacle. 
7. I filed complaint with the BBB XXXX unanswered by Pinnacle XXXX attached XXXX. 
8. For a brief period after the BBB complaint, the bureaus reported this debt as a closed account which has been subsequently placed back onto my bureau report as an open account and Pinnacle as original creditor. 

I am requesting closing of the file by all parties and deletion from all bureaus anything related to this debt for a pattern of violationsSincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
We have a XXXX XXXX loan with SLS and have been trying to modify for almost a year. They keep telling us everything is in and under review, we then receive a letter saying paperwork did n't get in on time or something else is needed. We constantly get contradicting information. 

The loan was handed off to an attorney for foreclosure ; however, the file was not moving forward. I would check weekly and continue to feed information over and over again to SLS. 

A man showed up at my door to buy my property. I was shocked, so he handed me the paper and my property was listed to be foreclosed on XXXX XXXX, 2016. I had received no notices of this. I immediately called the lawyer and was told that notifying me slipped through the cracks. 

I received a certified letter four days after calling the attorney 's office. 

We qualify for a modification according to my research and we have the money to make the payments since my husband is now employed back in his field. 

We cant even get reviewed for alterantives, SLS just wants to take our property which has about {$900000.00} in equity. 

This is our lifes work, we are in our XXXX and this is our XXXX. 

I do n't know who to trust.

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 2017-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

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 2017-03-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have behind on my mortgage due to lost my job and my wife got XXXX. It had been more than 8 month long for me and I finally come to solutions that need to short sale my house. We submitted the request and lender SLS did not accept it and they said not enough time and even though my realtor called they said they dont have any other options to me other than foreclosure. They keep misleading information by submit the package before 21 days and 15 days and then they said they need 30-60 days to review. Sorry they have to foreclosure my house. I want them to help the struggles family like me to find solutions than foreclosure.

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 2016-12-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Monterey Financial Services LLC
State: CO

Complaint narrative:
I contacted this debt collector to disp [ ute the account and they have yet to validate the debt according to the mandatory processes provided by the FDCPA consumer protection law. They have failed to respond to my dispute within 30 days and have failed to note on my report that I have issued a dispute which is required the FDCPA Section 807 ( 8 ). They Are breaking the federal law and need to comply by removing the negative and erroneous information that is not in compliance to the reporting process of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Wakefield and associates is listed on my all XXXX of my credit reports twice. I mailed a letter to them to verify the debt and I have not received anything in return. I mailed the letter about two months ago. The credit report says its from the medical center. I did n't go to the medical center during the time frame that listed. I need to see some type of verification to make sure this debt is mine. I have called this collection a few times also but cant get in touch with anyone.

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 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Federated Capital Corporation
State: OH

Complaint narrative:
XX/XX/XXXX I opened : " XXXX '' I used a credit card issued TO MY XXXX from " XXXX '' bank out of XXXX to purchase inventory. XXXX XXXX went BANKRUPT in XX/XX/XXXX-XX/XX/XXXX. My XXXX was unable to pay its debts and through court action was taken from me. " FEDERATED CAPITOL '' acquired all the toxic debt of XXXX XXXX, including that of " XXXX. '' Federated has repeatedly called, sent letters & issued summons to court three times. Once in XXXX, once in XXXX XXXX XXXX, XXXX, XXXX and recently XX/XX/XXXX ) attempted to place a LIEN against me through XXXX County Court, XXXX, XXXX. I have written Federated, spoken to them, hired a lawyer who contacted them. They refuse to drop the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed