vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-31 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: CA

Complaint narrative:
I have called and submitted letters to XXXX and XXXX with a copy of my Bankruptcy Discharge notice disputing a collection account on my credit report. The debit was a XXXX 's XXXX account that was included in the bankruptcy and purchased by Pinnacle Collection agency 3 years AFTER bankruptcy was XXXX. I have received collection calls, letters requesting payment etc. I have been trying to rebuild my credit but have been denied again and again because of this showing as a collection account. XXXX in particular only added a notation the collection account was included in bankruptcy but will not remove and the other credit reporting agencies will not remove either. The collection account has RE-AGED debt as of 2012 which is in accurate. This has caused me financial injury these seven years since filing for bankruptcy. So after repeated request to verify information, the collection agency and all credit reporting agencies have provided false investigation results and have ignored bankruptcy discharge notice. In effect violation the automatic stay issued by the U.S. Bankruptcy Court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Progressive Financial Services, Inc.
State: MN

Complaint narrative:
The debt collector is attempting to collect a debt and I am attempting to set up arrangements to pay. I 've called during thier stated business hours and each time the automated system tells me I am next in line for an available operator and then I get put into their viocemail system which states someone will call me back ASAP. No one ever calls me back and I clearly leave my name, account number and phone number. If I do n't get a hold of them by XX/XX/XXXX they are going to just take the whole amount out of my paycheck.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCMI Corporation
State: WA

Complaint narrative:
This ordeal began in XX/XX/XXXX when we had our daughter. We fell in love with a pediatrician with XXXX XXXX XXXX in XXXX Washington. We ended up moving our other XXXX children over to her care also. Unfortunately, that pediatrician ended up moving shortly after the birth of our daughter, so we were in limbo for a few weeks until new doctors joined the establishment. Rather than switch offices entirely, we were patiently waiting with high hopes that we would find a replacement that would fit our needs just as the previous doctor did. We never settled with a primary doctor but instead bounced around between a few different providers with no real preference or opportunity to have a preference. Things became increasingly confusing when we switched insurances and at one point became double covered for an extended period of time. 
I was n't sure how the double coverage would affect our co-pay and deductibles so I would frequently ask the receptionist how our bill was going to change or if it would change. No one could really provide any definite answers. After receiving a collection notice in the mail, I called and asked to speak with the billing department. This happened on many occasions with no real resolution. I would continually leave messages with no return phone call. We eventually received a letter excusing us from the practice. We gladly obliged. 
Not only had XXXX basin excused us from their practice, but they also sent us to multiple different collection agencies. I received another notice in the mail asking to respond to a court date. I responded to the notice, not realizing XXXX other collection agencies were also proceeding with court judgments at similar time frames. This became overwhelming to say the least. Because I did n't understand that multiple agencies were contacting us, I only responded to XXXX of the XXXX, allowing the others to seek and receive a judgement in their favor. 
This billing issue has ruined our credit, caused significant amounts of XXXX, and yet continues to haunt us today. 
My husbands check has been garnished multiple times for this by multiple different collection agencies ... each claiming the SAME debt is owed. 
We are at our wits end and in desperate need of help to finally be done with this horrid ordeal once and for all. I 've lost my motivation to fight this unfair and saddening injustice.

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 2016-06-06 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: Progressive Financial Services, Inc.
State: CA

Complaint narrative:
I am an XXXX XXXX XXXX man living at XXXX XXXX XXXX XXXX XXXX, CA XXXX. My son lived on the same property in a separate structure, but we shared our mail box at the XXXX XXXX address. My son, died XXXX. He had cable, phone and internet in his name with XXXX XXXX and paid the service monthly and I paid for my own cable for my house with XXXX XXXX XXXX. When he died, I turned off the service with XXXX XXXX immediately, and told them he was deceased. I gave them my name and told them I was his father. My son was on XXXX when he died. XXXX XXXX continued to send bills in my dead son 's name and my name. I sent all XXXX XXXX bills back to XXXX with recipient is DECEASED written on the envelope. On XXXX/XXXX/16, I received a bill from Progressive Financial Services in my name ( XXXX XXXX ) for a XXXX XXXX bill stating I owed {$680.00}. I have not subscribed or ordered XXXX XXXX, my cable and internet provider is XXXX XXXX XXXX. Please help me with this financial injustice.

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 2016-06-30 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: LA

Complaint narrative:
I have noticed that a company by the name of Pinnacle Credit Services have listed a debt on my consumer credit report. I have disputed the listing with the XXXX major credit bureaus because i do not believe that this debt belongs to me. I have never received any correspondence on the validity of this debt by mail or by phone, however it has been listed on my credit reports. This account has since been removed from XXXX of my credit reports XXXX XXXX and XXXX XXXX, but is still listed on my XXXX credit report. I have reached out to Pinnacle Credit Services by mail asking for documentation ( debt validation and or debt verification ) and nothing has been done. I have informed them that i am fully aware of my rights and have asked for timely verification ( i.e. amount of debt and name of creditor ), and still have not received any. This listing on my credit is having a major negative effect on my XXXX credit report. This company should know that they are required to provide debt validation when asked by the consumer per FCRA requirements. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
XXXX/XXXX/2015XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXXSS # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Law Office of Rory W. Clark, APLC
State: CA

Complaint narrative:
The Law Office of Rory W. Clark is attempting to collect on a debt which has been deemed a matter of ID Theft by both XXXX XXXX XXXX ( ID # : XXXX ; XXXX : XXXX ) and the XXXX XXXX Police Department ( I.D. # XXXX ). Furthermore, upon my own discovery, the said law firm has demonstrated to be the subject of several lawsuits against them which casts doubt on the legitimacy of its claims : XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 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: CO

Complaint narrative:
XXXX XXXX breached wireless contract and failed to provide service to business line. Charged a termination fee and sent to collection although all service related fees had been paid in full. Had to purchase legal protection at a cost of {$1900.00} to date. Filed complaint with XXXX regarding the overcharges that occurred while account was active. No restitution was provided by XXXX. They instead sold to third party collection agency Pinnacle LLC who violated FDCPA guidelines. XXXX parties elected to report an amount owed of XXXX to all credit bureaus. Both XXXX and Pinnalce reported amount owed. Therefore it appeared as XXXX derogatory items on bureaus report. This financial defamation limited credit opportunities to include student lending while attending XXXX program. This caused significant financial hardship, and loss of financial benefits from XXXX XXXX due to academic performance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
XX/XX/2016 I closed my First Tennessee checking account as no matter what amount I had in the account they found a reason to still charge me for the checking account. Then XX/XX/2016 a direct deposit was sent to this account. Instead of rejecting it, they put it in my closed checking account and then, started charging the closed account, my home equity yearly fee, checking account fees plus a bundling charge. I did not know this until 2 days ago they sent me a email regarding my home equity acct. otherwise I would not have know this had happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Praxis Financial Solutions, Incorporated
State: TX

Complaint narrative:
I filed various complaints. With Consumer Financial Protection Agency against XXXX XXXX XXXX XXXX XXXX Texas forcing me to pay charges.of {$1300.00} and {$930.00}. 
I can not pay and l am on Permanent XXXX Lifetime and Retired.and on XXXX Lifetime and Retired. 
I am also a XXXX XXXX XXXX XXXX Veteran. 
XXXX XXXX XXXX in XXXX XXXX Texas are Harrassing and Retaliation. 
Their collection Agencies is calling me after XXXX on weekdays and weekend. 
I am on XXXX for my Permanent XXXX Lifetime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 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: Stellar Recovery, Inc.
State: FL

Complaint narrative:
I REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE STELLAR RECOVERY COLLECTION ACCOUNT I SENT A NOTICE OF DISPUTE DIRECTLY TO COMPANY I HAVE NOT HAD ANY RESPONSES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Stellar Recovery, Inc.
State: FL

Complaint narrative:
I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I did n't know that the bill was send to collection without my knowledge, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 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: Stellar Recovery, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I requested via telephone that XXXX terminate my account effective XX/XX/XXXX due to a pending relocation. XXXX XXXX of Indiana did not terminate my account timely and has alleged a debt in the amount of {$120.00}. I have received communication from XXXX separate collection agencies, including Stellar Recovery, each of which I have been provided a copy of the contractor 's receipt confirming pickup of my equipment and termination date as well as an accounting of my XXXX account paid in full. I also requested each to cease & desist communication with me regarding the matter. Stellar Recovery knew, or should have known, that this account was in dispute and that a cease and desist order was on place at the time of their XX/XX/XXXX communication with me regarding this matter. Stellar Recovery is in violation of the harassment provisions of the Fair Debt Collection Practices act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
Please see the attached document with the full explanation. This venue is too short for the events that have taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
I obtained a Modification Approval from my Mortgage Company, PennyMac Mortgage which was supposed to give me a 2 month payment hiatus and a reduced mortgage payment. 
I was told this Modification would be reported to the Credit Bureaus as my making partial payments. This never happened. Instead, my original mortgage payments were reported as very delinquent over the course of the Modification. The XXXX page Modification Approval I received advised me on the first page that I was only to make my new modified payments during the Modification. The XXXX page, which I did not look at until recently, told me that I in fact, I had to make my regular payments as well as my modified payments to avoid Delinquency Reporting during the Modification period. This entire transaction was misrepresented to me at the beginning and during the Modification period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Platinum Holdings Group, LLC
State: TX

Complaint narrative:
I received a call that I would get documents delivered to me. They gave me a # to call. I called the # and was told that I owed debt to XXXX. That is I did n't make arrangements that I would get documents delivered to me. I asked for a validation notice as well as their Professional License # which they did n't provide. I was told that they would mail me the validation notice which they told me before that they would mail it and I never received it. I was told they were with litigations and they were working on behalf of Platinum Holdings who wanted them to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP
State: KY

Complaint narrative:
Capital Management Services called my home and left a message that I needed to call them back about a debt that was in collections. I have no such debts, so I called them back and told them that I know that I do n't owe money and that they had no business calling me. They then asked whether I knew a " Supplied Name. '' I told them that it is illegal to call XXXX party about another party 's debt and that I would be lodging a formal complaint with the CFPB. The woman got snippy with me but said they would remove my information. I wish to make absolutely certain that that happens as I do n't trust these louts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
HAVE AN OLD DEBT WITH XXXX.HAVE BEEN MAKING MOTHLY PAYMENTS OF {$100.00} TO XXXX.GETTING NO ACKNOWLEDMENT OF PAYMENT.NOW I GET A COLLECTION STATEMENT FROM XXXX WANTING PAYMENT FOR MUCH MORE THAN I OWE.

Company response to consumer: Closed
Consumer complaint received 2016-03-07 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: Systematic National Collection, Inc.
State: CA

Complaint narrative:
This was settled in mediation court with a loss to both parties. The collection company continues to collect a debt that is false.

Company response to consumer: Closed
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
Gentleman called and continued to call me a liar after I explained my situation to him. I repeatedly told him that I never ordered the system he called me about and he went on and on reading I suggest a his lines calling me a liar. I did not appreciate the harassment and do n't want him them to ever call my phone again.

Company response to consumer: Closed
Consumer complaint received 2016-09-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: WA

Complaint narrative:
I took out a loan from Spotloan in the amount of {$300.00}. On their website it says that it 's cheaper than doing a payday loan so I thought oh that 's great and then signed up. A month later when I was expected to pay, I asked how much it would be with the interest and they told me {$450.00}. {$150.00} in interest for a month??? There 's no way I can pay that. I 'm on a limited income. That {$150.00} would mean I ca n't pay for electricity or groceries for my family. I feel like this is very misleading of them to say it 's cheaper than a payday loan. A payday loan would 've charged me {$45.00}, not {$150.00}. So I explained to the company, both by email and on the phone that I could n't pay it and I was n't sure what the next step was. Since then I 've gotten phone calls at least twice a day and they keep trying to withdraw money from my bank account which creates {$32.00} fees for me each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I recently received a copy of my credit report and noticed some erroneous items on my credit reports. American Collection Enterprise Inc. is handling the collection of the accounts mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between American Collection Enterprise Inc. and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim.. Provide me with a certified copy of an original contract with my signature, specifically naming American Collection Enterprise Inc. entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in questions.

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
Consumer complaint received 2015-09-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Immediate Credit Recovery
State: WI

Complaint narrative:
I had a student loan in 2007. I was unable to continue to pay after a certain point. The XXXX XXXX XXXX XXXX put a lein on my tax refunds and took the balance. The loans have been paid. Now there is a credit company trying to threaten me with court. I responded with a cease and desist until they sent a verification of debt because the loans are paid. they show payment on my credit reports ( which I monitor ) and this debt collector is reporting the same accounts that the XXXX are reporting and screwing up my reports. I tried to contact this company on multiple occasions and finally heard from a special unit case after filing a complaint with the XXXX. However ; they said they could not talk to me about MY account. Not to mention that I only put a cease and desist until proof of verification of debt has been sent on XXXX account, the ONLY XXXX they threatened me about. But, they are reporting XXXX accounts and not even telling me anything about a XXXX account! I am in the process of getting a mortgage and my broker and underwriter told me to file this complaint against this company and give you my evidence. They have requested info on these debts and have been ignored .... Further violating my FDCPA rights.. 

IMMEDIATE CREDIT RECOVERY, INC. 
XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation