vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
had requested experian to investigate a credit inquiry for XXXX dated XXXX. I was told in the response that I had to dispute directly to XXXX I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

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 2016-10-04 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
On XXXX/XXXX/2016 Bayview Loan Servicing became my new mortgage servicer. On XXXX XXXX, 2016, I received a welcoming package from same company that did NOT include a debt validation notice, as I understand is required by law under the FDCPA. I 've checked the front and back of the documents, which I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MO

Complaint narrative:
on XXXX XXXX 2015 I paid my delinquent loan in full at XXXX in the morning. Later friday checksmart present my check to the bank and my account was debited another XXXX. I noticed this on Saturday and i told them about it. I bought them proof that my account had paid the check and I also had paid the full amount that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
I thought I was buying an XXXX online. The person told me to transfer them money and they would ship the product. I sent the money and then they blocked me so I could n't complain to them that I was scammed out of money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
I sent Amcol a certified letter requesting that they validate this debt they are attempting collect and is stating that I owe. Under the FDCPA I as a consumer have the right to request information to prove that I indeed owe the debt and the said amount. I have attached a copy of the certified receipt that is signed by XXXX with Amcol. I have yet to get the information necessary for them to have before they can legally report or collect this debt. As of today XXXX/XXXX/2015 Amcol is still reporting invalidated debt that is detrimental my credit score and is defamation of my character. please look into this company 's deceptive practices and help me to resolve this matter quickly and efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Lendmark Financial Services
State: MD

Complaint narrative:
This debt was from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
We had medical emergency at XXXX XXXX XXXX in XXXX. We paid all the bills in time except a small bill for {$97.00} from XXXX XXXX XXXX XXXX which we never received. During this time we also moved so XXXX be the notices were lost in mail. Surprisingly 7 months later we got a collection notice on XX/XX/XXXX from PAYACEI ( dated XXXX XXXX ) based in XXXX VA. We immediately called XXXX XXXX XXXX to investigate and made payment for this balance on XXXX XXXX. 

We have also received paid in full statement from XXXX XXXX XXXX yet XXXX claims that we owe this money to them. When I called to explain, they were rude and continue to insist that We owe them the money which we already paid. I believe that this company is fraudulent and uses abusive tactics to collect debt, even if it is already paid off. 

The reference number for this notice is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 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: Stellar Recovery, Inc.
State: CA

Complaint narrative:
I had an unpaid XXXX bill of {$76.00} from 2014 from an address that I had not lived at since then. Since I did not live there, I did not receive any mail about the collection of the debt. Unknowing to me, it was sold to a debt collector, " Stellar Recovery '', and although they claimed to have attempted to contact me, I did not learn of the debt until applying for a credit card. In the time Stellar owned the debt, they claimed to have called me but I never received any voicemails or no consistent phone calls from any XXXX number. Once I contacted them, they never notified me of any right to dispute or any other option besides paying the debt in full. I did this but then was told by my banker that I should ask for a Pay to Delete option. When I called back I was told that they were not able to do this but after further research I learned that they could. The Paid in Full is still negatively affecting my credit report. I am a XXXX XXXX XXXX who just XXXX with little knowledge of the collections process and thought that Stellar Recovery 's handling of the situation was criminal in that I received no legal info about my options besides paying the debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 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: DC

Complaint narrative:
I had my credit report pulled for a mortgage application and when it was pulled, a collection for XXXX ( XXXX ) showed up on the report. The collection agency was listed as Stellar Recovery and the amount was for {$170.00}. Since the initial creditor was XXXX ( XXXX ), I called them and paid the balance of # XXXX on XXXX XXXX, 2015. This closed my account and zeroed the balance. When I inquired about Stellar Recovery, I was informed that collections would no longer take place as my balance was now zeroed. However, it is XXXX, and the collection remains on my credit report despite having a zero balance with XXXX ( XXXX 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 2017-02-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I have a vehicle loan with Lendmark financial. They call and harass me even if I 'm only one day late on my payment. Literally only 1 day. I was even called at my work place over {$40.00}. I made all of my payment except {$40.00} ( in advance ). And forgot about the remaining {$40.00} since I had paid so much in advance. When they called my job, they was extremely rude to my coworker, who answered the phone. After that incident I wrote a letter requesting that I not be called at any numbers listed on my paperwork any more due to the harassing calls. I requested that any contact be directly through mail. Which is my right. Since writing that letter I have been called several times. I spoke with a manager and that has not resolved anything. When I informed the calling associate of my written requested, I was asked " Why do n't you want us to call you ''. At this point the harassment is out of hand. I am almost ready to just turn my vehicle back into Lendmark to avoid all of their harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I signed up to dispute my accounts but after multiple attempts Experian 's website just keeps sending you to a page to pat more and it 's to mail in for a report vs dispute what you have online. The phone numbers do n't allow you dispute anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I have received XXXX phone calls from Exeter Finance Corp on my cell phone. I am not the loan consumer, and I did not provide them with my cell phone number, nor did I give them permission to contact me at all, or on my cell phone regarding this account. This is apparently an account for my brother 's loan. When they contacted me the first time, a couple of months ago, I expressly told them that I have nothing to do with his account, and I demanded that they remove my phone number from their system, and make no further contact with me. I specifically requested a supervisor to whom to provide this instruction, and was transferred to a person whom I was told was a supervisor. This person assured me that my number would be removed from their system. During this phone call, enough information was provided by the representative that I was able to determine that they were attempting to contact my brother regarding a past due payment. This information should not have been provided to me at all, because I am in no way involved with the account. 
On XXXX XXXX, 2015 at XXXX, I again received a call from XXXX, and the caller left a voicemail requesting that I return their call regarding an account. When I called back, my call was answered by XXXX. XXXX transferred my call to a supervisor at my request. My call was transferred to a XXXX, who advised me that he was a supervisor. I explained to him that they were calling me again without my permission, and after I expressly told them not to contact me in the future. I advised XXXX that I would be filing a complaint against them for improperly contacting me on my cell phone, and also, if possible for an FDCPA violation, because I am not a part of the account in question, yet they provided information I was not entitled to have during the phone calls. My cell phone number that they have called is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Business Bureau
State: PA

Complaint narrative:
Hello I joined XXXX last week.. Noticed a debt. ( medical ) was in collections from a XX/XX/XXXX.. XXXX Visit.. That my medical plan and company med plan had handled. This company called me for ..XX/XX/XXXX.. Had contacted XXXX .. Was told Its handled.. Here is confirmation # s bla bla bla.. Told them that they still called a couple times ... Then stopped. I figured they got the info.. This is an agency the hospital uses.. From the start.. They never called me.= The hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX I received a credit alert a new account was added to my credit file. Upon inspection, I found this 'new account ' was a collections account from Pinnacle listed as a XXXX XXXX debt. I had never received any communication regarding this alleged obligation. 

At that time, I sent a letter to Pinnacle, Certified Mail Return Receipt requesting validation of this debt. Despite Pinnacle receiving this demand, I received no response, not even a dunning letter. 

Having waited the required length of time for a response and for validation of the debt, and receiving none, I submitted disputes with the XXXX major credit reporting agencies on XX/XX/XXXX explaining I was unaware of such an obligation to Pinnacle and that Pinnacle had failed to respond to my request for validation as required. Per the resolution letter I received from the credit reporting agencies regarding my dispute, Pinnacle verified to them that the account belonged to me and by keeping it on my credit report, that they were legally entitled to collect said debt AND that is was a valid debt of mine, all information they seemed unable or unwilling to provide me. 

At no time before or after the validation request and the verification with the credit reporting agencies, and continuing to today, I have never received any communication from Pinnacle regarding this alleged debt. They have current contact information for me as they review my credit files, update their collection account monthly or more, AND I have always included current mailing address information in my communication. 

I again reached out to them on XX/XX/XXXX via Certified Mail Return Receipt requested and again received no communication despite their receiving my communication. 

On XX/XX/XXXX I emailed their COO, XXXX regarding this matter. He responded that they were unable to locate my account information and could I provide more information? I responded with all my personal information, and all account information in my credit files so they could locate the account and we could resolve this. I never heard another word despite my sending repeated emails. 

I have requested to have documentation provided that this debt exists, that I owe it, and that they are legally entitled to collect it. They have failed to provide requested documentation, yet they continue to report the account to the credit reporting agencies inaccurately each month which constitutes a continued efforts to collect this debt. Pinnacle is in violation of the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
This is a medical collection, for services that I received as a result of a car accident. I obtained an attorney who contacted all creditors and collection agencies to advise that the bills were the responsibility of the insurance company. To date the insurance company has paid all bills in full. However the collection companies continue to report derogatory information on my credit report, even after my requests through the credit bureaus that they remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 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: AZ

Complaint narrative:
I have made several Attempts to contact Pinnacle Credit Services at XXXX and XXXX and XXXX time i get hung up on, XXXX time was this morning and the lady stated she could NOT pull up any records. I have included an attachment of what i want from Pinnacle Credit Services

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: National Auto Lenders, Inc.
State: FL

Complaint narrative:
I obtained an auto loan with NATIONAL AUTO LENDERS , Inc. XX/XX/XXXX. 
They target individuals with low credit ratings and issue high interest auto loans. 
I questioned their high interest rates, my down payment and the original loan agreement, and was given the run around. This company is ripping people off daily. I made a {$7000.00} down payment made several advance payments for six month in advance. Principle loan amount stayed the same after 3 years. Contacted their office and questioned the interest rate and payout amount got the run around. After several attempts they told me that they had to send the request out to a different department and I would n't be able to speak to them directly. After no response to several request. I resulted in trading the vehicle in on XX/XX/XXXX in in order to get out of the bad loan. Worst customer service experience ever. 
I would like someone to investigate this company accounting practices and their affiliation with the local automobile dealerships.

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 2016-09-19 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: NJ

Complaint narrative:
Unknown XXXX account stating I owe {$540.00} I requested proof and disputed noting received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 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: GA

Complaint narrative:
XXXX placed an item in collections stating they did not receive their equipment. I received a call from Franklin Collections stating the account was placed and I advised of the dispute at that time and never heard from them. The item appeared on my credit report months later. I emailed with copies of the tracking showing item received at att and should never hit any bureau. I received a letter on their letterhead stating this item would be deleted. I disputed the item with XXXX and XXXX and received an update from XXXX stating the agency has verified the item to me. I uploaded the letter and disputed correctly. At this time Franklin has violated several FCRA and I am requesting they resolve this on all bureaus and be fined accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
I applied for a mortgage in XX/XX/XXXX and this company started reporting a {$330.00} debt on all XXXX of my credit bureau reports. I then called them and asked for verification that the debt was indeed mine and proof that I owed the debt. Their response was that they had sent me a letter but I had never heard of them or received anything from them prior to my calling. I explained this to them and they told me I had to file a police report (? ) to get this removed from my report, as if my identity had been stolen. They refuse to verify the debt and send me proof that it is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 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: FL

Complaint narrative:
We had another issue in which we had to file personal BK, however we had no intention of dissolving this debt and continued to make payments every month, and we were finally able to reaffirm the debt. In the last 4 months, they had mis applied a payment, so it was showing we did not make a payment, though they show they had it but did not apply it. So for the final 3 months, we did not make a payment until it was applied. Our loan was reaffirmed and the BK discharged, this company immediately sent out a foreclosure notice and will not apply the payment correctly. I spoke to XXXX in Executive Services, she researched it, agreed with us and was going to re apply the payment correctly. Someone above her denied the request and now they want to foreclose on this reaffirmation. We were under Bankruptcy protection and they can not foreclose on the debt, for missed payments while under the Bankruptcy, so this is illegal. This is related to our home in XXXX Nevada - Loan # 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 2015-06-01 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: MD

Complaint narrative:
Company has made no attempt to contact me to collect this debt. Improper dates recorded on my credit report as well as past payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Comerica
State: NC

Complaint narrative:
On XXXX XXXX I was unable to access the funds on my credit card issued by This was n't the first time this has happened to me. 

Several times I attempted to gain some assistance from the credit card company issuing me the card. On every attempt either the website was not available, or the phone. The phone number listed for Customer Services is a recording and never answered by a human. If it is n't busy the recording invited me to call back later. 

I was advised by the FDIC to call the bank, Comerica. I did and I spoke with a man who told me that the banks participation is only because the bank provided the plastic for the card even though the bank is listed prominently on the face of the card. The funds, I was told, are not insured. 

I immediately requested to speak with a supervisor who gave me the number for corporate affairs who she said handled such questions. The question I had was : is the bank affiliated financially with Direct Express. 

My complaint is my money safe, why ca n't I speak about my concerns, and is there a financial relationship between the card company and the bank? 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation