vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 XXXX/XXXX/15 XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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 debt was verbally agreed to be paid to delete by representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
The company calls me more than 3 times in an hour and more than 12 times in a day. Even after I have spoken with someone the day before, the calls continue to come in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Progressive Financial Services, Inc.
State: AZ

Complaint narrative:
I received a settlement offer to pay off my debt for my XXXX XXXX credit card account from Progressive Financial Services. I received this offer on XX/XX/XXXX. I sent the settlement offer amount on XX/XX/XXXX ; documentation to support. Over the last year I have received several notifications that I still owe on this account, and several collections agencies have sent me letters ; documentation to support XXXX agencies still trying to collect this debt. I found out today, XX/XX/XXXX, that this debt is still active against my credit report and is effecting my credit score. I want this debt erased, and I want my credit score adjusted to when I actually made the settlement payment back XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 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: TN

Complaint narrative:
Original account was purchased by Pinnacle Credit Services LLC and they did not provide validation of debt. Attempted numerous attempts to get validation of the debt and was never provided validation of said debt. Pinnacle closed there doors and was purchased by another company named XXXX XXXX XXXX located in XXXX SC. The said debt has been reported to the credit reporting agencies with inaccurate information stating opened in XXXX of XXXX and the original delinquency was in XXXX. Requested a Cease and Desist verbally and the agent refused to acknowledge stating that they only acknowledge cease and desist in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 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: GA

Complaint narrative:
This account was open as a result of identity theft. i have never had an account with XXXX or Pinnacle Credit Service. I have also sent XXXX Affidavits to both Pinnacle Credit Service and to all XXXX credit agencies who stated that Pinnacle stated that they verified that this debt belong to me. How did they verify debt with the credit agencies but have not verify the debt with me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Consumers Inc
State: VA

Complaint narrative:
The company left several messages over a span of a month or two. The messages were intimidating and aggressive - the recorded voice emphasized that it was important that the listener be in a private location and only be the person intended for the message. There was no reference to a specific debt the company was trying to collect. When I called the company I told them that I was not the person they were trying to reach, they did take me off their list. But based on the nature of the message and its tone, I 'm afraid they may be intimidating others, especially elderly people.

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 2016-12-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I was contacted by the company, Franklin Collection Services on XXXX XXXX about an apparent debt that I owed to XXXX. I informed the woman on the phone that I was not aware of a debt to XXXX and would like a letter from XXXX stating what my debt actually was. She said that it would take time to get the letter but that calls would continue until then. I understood this and someone else called around a week later and I stated that I was aware of their companies attempt but that I was still waiting on the letter from XXXX. She said she saw the request and hung up. Then today, XXXX XXXX, I receive a call from a male employ at the company and I state that I 'm still waiting for the letter and he rudely informs me that the letter is not coming because I do n't rate XXXX. I explain to him that I previously requested this letter and XXXX previous employees told me it was coming and counters with that I 'm not getting XXXX because I did n't ask in writing. I tell him that this is right to lie to people and it is against the law and he tells me I do n't know what I 'm talking about. I then tell him that I 'm aware he works for a company that gets paid based off these abilities to collect and he again tells me that I do n't know what I 'm talking about. He then cuts me off in the middle of my sentence and asks me if I 'm just going to pay the debt or not and I tell him no, not without the letter and he says that I am being written down as a refusal to pay and hangs up on me.I look up my rights through the cfpb information database and call them back and tell them that they have violated my rights by lying to me and they put me in touch with the supervisor. As soon as I tell him that I am aware of my rights, he is able to immediately supply me with a form from XXXX that supposedly I did not rate up until the point that I informed them that I was aware of my rights. This is very shady and bad business in my opinion and know I honestly do n't know if I can trust this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Progressive Financial Services, Inc.
State: CA

Complaint narrative:
We had Internet in our old apartment while I was serving in the United States XXXX. 
As we moved because I was a separating the military we ended our account with our XXXX. 
We went to pay our final bill and we were told we do n't owe anything on the account which means we allegedly had a {$0.00} balance. 
Months later I saw that the XXXX had sent us to collections for the amount of {$62.00}. This is incorrect as we were told we owed nothing on the account.

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 2015-09-15 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:
On XXXX XXXX, 2015 I wrote a letter to Pinnacle Credit services , LLC requesting proof that this account belongs to me. To provide me with a copy of any contract sign by me with XXXX XXXX regarding this collection account. They never responded and last week I received a letter dated XXXX/XXXX/2015 from XXXX XXXX informing me that they now represent Pinnacle Credit services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: D&A Services, LLC
State: VA

Complaint narrative:
The company claims I owe a debt to someone and I have no clue as to what it is for. I have never had any dealings with the original creditor and I have looked through old bills and files and have nothing from them either. The debt collector also claims I was sent a notice 35 days ago but I have received no letter from them previously and this first notice I received also did not include anything about dispute. The creditor should use certified mail if they even sent a first notice to make sure I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
I settled this account in full for pinnacle credit services through XXXX financial corp on XXXX/XXXX/2015 they updated my credit report to show the balance decreased did not show account has been settled in full when calling them they play games blaming it on the credit bureaus. This account needs to be updated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My name is XXXX XXXX, I attended XXXX XXXX XXXX in the XXXX of XXXX. I received federal and private loans through the financial department at school. Basically I had gone through the program and there had been technical issues with an online XXXX class, at that time they were just starting the online classes so there was many technical issues. I lived two hours away from campus and could not afford to attend anymore, also because the XXXX class was a general education course I could just take it at a local XXXX college. I was told that I would not be allowed to do that. During the recruitment I was told outside credits could be transferred in. I 've paid close to {$30000.00} and have no degree to show for it. I 'm still paying off the loans because of the fear of XXXX my credit, plus when things were explained I was told all the loans would be similar in interest rate. All the loans were 2-3 % and the XXXX private loan is at 9.5 % I did n't even know an organization like yours existed, if I did I would have made a complaint a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: Envios de Valores La Nacional Corp.
State: NY

Complaint narrative:
The money transfer agency gave me a rate and the amount that would be paid when the money is received in XXXX. It is less than the amount thats on the receipt I have. This is not the first time that this has happened. A few months back, when it happened the first time, I contacted the agency offices here in XXXX and filed a complaint. Ive contacted them again several times this time, but they havent resolved the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Control Technology, Inc.
State: MI

Complaint narrative:
Account Control Technology XXXX has been contacting me wrongly for many months ( over 4 ) at times between XXXX-XXXX from a Wisconsin number ( XXXX ) multiple times a week. 

The thing is, they are looking for someone who shares the same Surname with me, but it 's not me. I do n't even have any outstanding debts as I write this now. 

I explained the mix-up previously, but they continue to call. I have just recently explained it again ( 2 months later ), with a little too much passion and was hung up on. 

Either way, they are wholly incompetent on this matter and it is downright shameful they have any effect over any individuals, let alone their credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-10-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I purchased a car XX/XX/XXXX for the total purchase price of XXXX with tax. The only bank that would approve the loan was CPS due to some financial hardship in the past. 
The monthly payments were XXXX. After making XXXX payments of XXXX, I noticed that I still owed XXXX After speeking to an extremely rude lady, I was told they took all the pyment ( including the extra ) for interest. They say it is a simple interest loan therefore they can do that. I asked where is the extra money going? I was told it was paying for the 12 monthly fee to pay my payment on line, and since they never given me a physical address, I had no other way to pay. After contacting the Attorney generals office, they ha seemed to taken some fees off, but after XXXX payments, I still owed XXXX ( which seems to be there majic number ) ... I moved out of state and got behind due to not being able to find full time work. They have called everyone I know, including friends on facebook ( that have public phone numbers, and who where NEVER listed as contact people ... ) they were calling my job 10-12 times daily .... I had contacted them to try and make arrangements, and there solution was for me to make XXXX payments a month when they know I could n't even make one .... I also needed to change my tags over to the new state of residence and they refused to release the title to the state for them to issue me tags. So now it has been a year and my tags are going to expire in 2 weeks, and they wont pick the car up or release the information so I can get tags ... This is the worst financial company I have ever delt with, the GOVERNMENT need to shut them down and give us all every dime we paid them ... I have paid them a grand total of XXXX for a XXXX loan, and still owe XXXX???? are you kidding me??? please someone do something .. My credit is destroyed and I wont even be able to drive the vehicle because I cant get tags!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I entered into a contract with XXXX XXXX to design and install a new kitchen in my home. The contract was signed on XXXX XXXX. The contract states I pay 50 % of the contract price at that time, which I did. Contract further stated I had agreed to the design drawn by this company. Which I had. XXXX agreed the cabinets would be installed by the end of XXXX. The designer kept making changes to the design. My husband did initial off on those changes. All changes were made by the deigned. 
Then I received a call from XXXX stating my cabinets were ready to be installed but I would need to pay the balance. So I went and paid them the final XXXX. The installers arrived on XXXX XXXX to install the kitchen. It was apparent the cabinets would not fit the space. I immediately contacted XXXX and they said the designer would be out to see what had happened. After her visiting we found out the dishwasher purchased from this company would not fit, the oven would not hold a cookie sheet, the vent fan was inoperable. The countertops ( suppose to be stone ) was XXXX. I notified XXXX and requested many meetings but last minute they would cancel. 
I notified my credit card company XXXX XXXX of the product not being the quality I had agreed to. I did this by telephone and online. They started the investigation XXXX XXXX, 2015. I corresponded with XXXX XXXX many times via mail, email and telephones. She assured me she would take a look at the pictures and all my statements and then send me something in writing. 

XXXX, I received an email stating my Chase statement was ready for viewing. You can imagine my reaction when I found on XXXX XXXX the had put this back on my account. I called them immediately and was told by the agent that I should have received a letter prior to this being done. I asked him if it meant Chase agreed with the merchant. He stead he did not know but advised to file a re dispute on this charge which I did that day. 
This merchant at the moment has an oven, a dishwasher cabinet inserts plus the charges for installing these items. We have requested XXXX to pickup the countertops and the vent hood. 

I believe Chase did not make the correct decision. Also, I do not believe they handled everything in the time allowed for a dispute. I have been a client of theirs for many years. And would expect them to give me the curtesy of advising me of their decision prior to putting it back on my account. 

I will be happy to send you all the documents, pictures and emails sent to XXXX and to Chase. These noticed began XXXX and rare continuing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: WA

Complaint narrative:
Consumer Portfolio Financial is not applyng any of the payments towards any late fees. I have continuously submit payments that include the late fee but they refuse to apply the amount to any late fee. I have contacted CPS and they still refuse to apply the late fee as required. 

Also to print the bill and show the correct due dates as required. The bill is cut XX/XX/XXXX and received XX/XX/XXXX with a due date of XX/XX/XXXX. Essentially an individual will receive the bill after the due date. This has been brought fourth numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Element Global Services
State: OH

Complaint narrative:
I have XXXX messages on my phone from a XXXX XXXX from Element Global Services saying he is going to charge me with theft of merchandise and have me arrested over my credit card debts he also called my mother who is sick and elderly XXXX times after he was told do not call he called her names and said she better give me the messages he then called my soon to be ex spouse on a number that should have never been found out and told him watch out and watch what he does I called my local police non-emergency and was told I should do this before making a harassment report on him he has called from many different numbers from XXXX NY and XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: WA

Complaint narrative:
Sallie Mae has lied to me, back stabbed me as many ways as possible. They have taken money from me, they have over-drafted my bank account, they have harassed my co-signer that is a XXXX veteran battling XXXX. All I tried to do was get my payments down just a little until I found a job, and nothing. I either make too less, or my co-signer makes too much. I recently was accepted to a program on XX/XX/XXXX to bring my payments down to {$190.00} a month if I paid of one of my loans, and I did. All I had to do was call back and set it up, and they said I was n't qualified for the loan payment I was told I was qualified for! This first started on XX/XX/XXXX where I paid {$150.00} loan forbearance, and two months later, they said I never paid {$150.00} but it is in my bank statement stating I did! So they never gave me the loan forbearance, literally stole money from me, then continued to harass my co-signer who is very ill. Next, I paid {$140.00} to pay off a loan, then they authorized it 2 times in my bank instead of 1 time, which put my bank in the negative leaving me with XXXX overdraft fees ( This was the loan I was told to pay off before I can get the $ XXXX monthly payment that I qualified for ) I had my bank fax them 3 times to show it was Sallie Mae that caused the overdraft, they still refused to acknowledge it was. I am a military veteran, and I have never been treated in such a manner in my entire life. Every time I call, no one knows what is going on, it is always different information. Please, for the love of God, can someone help me out?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Med-1 Solutions, LLC
State: FL

Complaint narrative:
I get calls at least once a day and sometimes twice about my son owing for a medical bill, they just called now again twice within XXXX minutes. Their number is XXXX, must be a collection agency and I consider this harassment for so many calls, why ca n't they send mail with their requests

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
We have been customers of Jarods for several years. Recently, we upgraded my diamond due to a " special '' sale at XXXX On 4 occasions, we were told that the Annual Percentage Rate for this " sale '' was 3 years at 1.25 %. We decided go move forward due to this " special '' rate. Monthly, my fiance questioned the payment due on the statement ... as it did not look correct. Finally, I took a look at the statement, only to see that the 1.25 % is a MONTHLY - NOT ANNUAL Percentage rate. 

I called the customer service and had no luck. Oddly, when at work- I talked about this with my co-workers, and another lady had the EXACT same issue at a different XXXX location.

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