vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IQOR US INC
State: WI

Complaint narrative:
I started being garnished from allied for my student loans I was never notified by them nor my employer that this was happening until I recived my check stub and noticed this, I have spent countless hours on the phone with them due to I should have been exempt from this happening, my employer stated they needed something from them, they stated they needed something from my employer, in an attempt to call once again the lady I spoke with at allied stated my account was closed with them on XXXX XXXX and refused to give me any information on when the last papyment was recived or how much they collected, my checks are still being garnished from this company, they refered me to XXXX, and tbey refered me to another company ... So this company did not notify me of any garnishment to begin with so I did not have the appropriate time to fill out the paperwork I needed to to avoid garnishment but is also still collecting money for an account they dont have? I just want more information and tge money ive paid to be reimbursed or something, I dont know how a company can request money with oit notification let alone still vollect it from my payroll if they dont have an account for me!

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 non-monetary relief
Consumer complaint received 2017-03-23 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: MD

Complaint narrative:
I made several attempts to correct this matter with XXXX. I called and wrote email. I was told on several occasions that XXXX do n't make adjustment customer bills. The service was not working but I was still billed. I was charged for equipment that I had returned. I wrote several letter to corporate and never received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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: MT

Complaint narrative:
I have paid this debt with the same account number through a different collection agency. I have proof that the debt is paid as the account numbers match for the same debt. I have faxed and emailed proof of this debt being paid but the collection company refuses to work with me and still holds the debt. They tell me they " will update my account with the notes that I dispute this 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 2016-05-17 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: CA

Complaint narrative:
I never received any letters in the mail or received any telephone calls from XXXX XXXX XXXX concerning this matter. I was not aware of this collection until Saturday, XXXX XXXX, 2016, when I got the collection letter in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: DE

Complaint narrative:
XXXX bill that is not mine I never lived in NJ nor had a XXXX bill In my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 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 had insurance instead of submitting the bill to the insurance company they are constantly putiing them on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 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: Stellar Recovery, Inc.
State: TX

Complaint narrative:
Stellar Recovery has placed an illegal erroneous account in the amount of {$1600.00} on my credit reports. It is not mine and this company is causing me immense complications and frustrations because of it. 

I am seeking to have it removed fro my XXXX, XXXX, and XXXX credit reports immediately. 

I have never had any business, ordered service, or had correspondence ( to or from ) with this company, nor the company they say they represent ( XXXX ). 

All my attempts to validate this debt has went without response by Stellar Recovery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
I have received at least 4 phone called from Pinnacle credit services. On every phone they say they have sent me a statement letter or statement they ask me to verify my address which I do but tell them I have not received anything from them they said someone was probably checking my mail. So I told them on a phone call to send it via email have them the email and had them call me back that day so I could tell them I received or did n't. Which I did n't received anything via email. They said they were going to mail it out again and email again. End of phone call. The next time they called I told them look I 'm really want to settle the account but I need a letter stating my acct will be cleared after they receive payment and they will no longer contact me for the remaining balance or sell my acct to another collector. They sent me to the manager who was very rude. And said they could n't send a letter stating that until payment was received. I told him look I 'm not about to pay something I have no record of your collecting agency, for all i know you could be stealing my information and money. He said they was the company and that i could look them up on google. i told him to send me a certified letter so they are price I received the statement. He said they were n't going to do that. I do n't see why they would n't send a certified letter of I 'm willing to settle the account unless they are a shady collector or false people wanting to scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Exeter finance corp on my XXXX REPORT This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Exeter finance Corp XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Comerica
State: CA

Complaint narrative:
Several accounts of mine were compromised in XXXX & XXXX. They were compromised by a contractor who worked with my company and committed identify theft, forgery and imbezzlement against me personally as well as both of my businesses. I was alerted when federal investigators approached me this XXXX how compromised all of my funds were. This person forged my signature and deposited these checks into accounts he opened in my name. Comerica has blacked balled me for suspected fraud and account abuse. When I called and asked them to review my information they refused to engage me and continued to blackball me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC
State: MI

Complaint narrative:
I recieaved a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XXXX 2016. I called XXXX on XXXX XXXX, 2016 and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from XXXX showing what is was for. On XXXX XXXX, 2016 I was sent a ledger as proof from XXXX which was now over 60 days later of me entering a dispute. What XXXX sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC
State: OH

Complaint narrative:
PINNACLE CREDIT SERVICES # XXXX I found a unverified account on my credit report. I was incarcerated at the time this account was open so it has to been some type of fraud. This is not my account. I have proof that I was in jail during the time this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I keep getting calls from a debt collector ( Franklin Collection Services ) that claims that I have an outstanding balance with XXXX XXXX XXXX for internet service when the opposite is true. I have closed my account and I actually have a credit balance remaining. I have a statement to prove it yet I keep getting calls from this debt collector. Their number is XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC
State: GA

Complaint narrative:
incorrect information has been posted to my credit reports without receiving notice of the debts in question for XXXX this debt was paid in full by the business it was a business account they have reported to all XXXX credit agency also this company call me and my family threatening lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Comerica
State: TX

Complaint narrative:
comerica bank charged abusive fees despite I have direct deposit with them, not only charge the XXXX overdraft but also a XXXX per day you have insufficient funds, plus charged an extra returned tem fee which dont know where it came from a total of XXXX only in fees because of three monthly charges and insufficient funds, what abusive practice of working people like me that live on day by day Budget. : - (

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Remex, Inc.
State: NJ

Complaint narrative:
The representative who helped me to make a payment told me that he is going to remove this as never charged, but still on my credit. can you please verify this and remove this for me? 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
It is true that an amount is owed for a medical bill, however the bill is greater than XXXX years old. I am told that the bill should only stay on my credit report for XXXX years and then drop off. I called the collection agency to confirm the date and they placed a date on the bill as if it were made very recent. Is this possible can they do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Remex, Inc.
State: MA

Complaint narrative:
The bill being collected was settled through XXXX XXXX - New Jersey XXXX XXXX Payment Assistance Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica
State: TX

Complaint narrative:
I have been having a major problem with XXXX XXXX Prepaid Card taking money from my account not wanting to replace it back nor show me no proof of wats going on. I had to link debit card to my bank account to get statements and transaction history they have caused me to loose lots of money after contacting them multiple calls recorded and all they still attempt to let whoever unauthorize my account with multiple cards stealing money I have asked for my money to be sent back check form and account closed. The representatives supervisors and all are very rude very bad language no help at all total disgrace.. ok I 'm filing this complaint bc I know if it does n't feel good to me it do n't to others and no one should have to worry about their money if loaded on a card it being stolen each month.. But the most serious thing that got my attention was they paid a insurance company like it was me XXXX so when speaking to the letting them know I did n't set up the account they cancelled account and willing to refund money XXXX XXXX still have n't no given me that!!! Actions need to be taking asap I have police reports and all u can contact me XXXX XXXX at XXXX email XXXXXXXXXXXX are at my address XXXX XXXX XXXX XXXX Texas XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica
State: MN

Complaint narrative:
My Social Security is directly deposited into an account through Direct Express. In XXXX of 2015, my account was charged 96 times for the XXXX XXXX XXXX, with charges ranging from {$4.00} to {$30.00}, totaling {$580.00}. While I have visited the XXXX XXXX on several occasions, I have not incurred this number of charges, nor have I done so over the course of 2 days. 
When I initially addressed the issue with Direct Express, I was told that I had incurred these charges over a period of months and never charged for them until XXXX XXXX and XXXX XXXX. I have been in contact with the XXXX XXXX as well as the XXXX Police Dept. who informed me that this was a glitch that the XXXX XXXX experienced with their credit card system and that their credit card machine had no way of holding onto previous charges and then taking them out on one particular day. This same glitch happened to multiple patrons, and they have all been reimbursed for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Pinnacle Credit Services, LLC
State: VA

Complaint narrative:
Pinnacle Credit Services collected {$100.00} from me on a XXXX account in 2013. 
There is no balance due on the account but Pinnacle Credit Services keeps reporting the account as open and not closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: NY

Complaint narrative:
I keep getting harassing phone calls regarding payments. I have tried to talk with XXXX ( Sallie Mae ) about a lower re-payment option, such as any income based rates, and have been told no that I need to pay my monthly amount or I will default. My interest rate keeps increasing and my amount owed has never gone down in the 3 years I have paid. I work full time at a decent paying job and most of my paycheck monthly is paid to these loans. I have never missed a payment, but I have used all of the allotted time ( 12 months in total ) to put payments on hold due to family and medical emergencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I purchase a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXMy Salesperson was XXXX XXXX. The financial person didthe additional fees to make payment each month on my loanwith Consumer Portfolio Services, INC ( CPS ) locatedXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX went to make my XXXX payment the customer servicerepresentative that you have to {$12.00} for each paymentI informed her that no one told us that. On the statementthat was mail to us, it does n't say nothing about any feesI told her that was wrong for your company not to informedthe customers of this fee before signing the loan or on the statement. I had to transfer additional funds in the amount for this. If you pay online itsa {$12.00} or over the phone. She informed that it 's not on thestatements, only when you call to make your payment we letyou know about the fees. I called the XXXX XXXX, themanager at XXXX to let them know this is not rightthat CPS have hidden fees with my loans. I told him thatI told XXXX XXXX my budget, due this additional fee I wentover my budget to make payment on my car. I was mad Ithink this is a way to get over customers. On XXXX XXXX, XXXXXXXX. XXXX called CPS to asked them if something can be done, customer servicerepresentative said no, this the way CPS let customerknow about any fees. The dealership was not aware of theseany additional fees. I told the customer service Rep thatother companies have the fees on the statement why CPSdo n't do that, she said this is the why we do things. I told herI told I left over XXXX messages for a manager to call meregarding this matter, NO ONLY never called me back. 
her I was going to report this to XXXX State Attorney Officethis is so wrong, please look into this. I saw that investigationon XXXX and XXXX for the same thing. Please go afterthese people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: MIB Group, Inc.
State: CA

Complaint narrative:
I requested a dispute with MIB about the information being reported by XXXX Insurance on my file. I explained to them that item is from XXXX, XXXX deletes that after 7 years, Normal credit reporting agencies delete info after 7 years. MIB states XXXX reported to them in XXXX, not my problem that is the date that they reported in on my file. Consumer Financial Protection laws protect comsumers from reaging information and it 's not even a debt, it 's information taken from my driving record which no longer appear on my driving record, that 's because dmv deletes it after 7 years, however MIB has n't deleted and it 's not A farmers insurance issue. it 's mib lack of understand of the fcra that i 'm protected under. 

i have attached the correspondence from XXXX as evidence that the incident is from XXXX and my current mvr that shows that incident is not longer on my driving record. I ask you once again MIB to delete those XXXX inaccurate items off my mib report. Again this is not an issue with XXXX Insurance, it 's an issue with MIB Reluctance to keep accurate information on my record.

Company response to consumer: Closed with explanation