vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC
State: WA

Complaint narrative:
I 've been contacted multiple times from Pinnacle credit in regards to a credit card that was opened in my name from identity theft. This debt was owed to XXXX XXXX XXXX and XXXX cancelled the debt once they contacted me about it and I provided them the copy of the police report showing the identity theft. Now, 10 years later, Pinnacle contacted me multiple times and attempted to coerce me into paying it, stated that they would accept partial payment and asked me to verify that the debt was mine. Multiple times I advised them that I do not owe the debt, that it was due to identity theft and had been written off. I even sent them a copy of the police report to show that and they continued to contact me. Finally they contacted my wife by phone and told me and my wife both that if we did not pay it that they would be taking legal action against me. Again, this debt is 10 years old, outside of the statute of limitations and was already written off as identity theft. I asked them what legal action they were talking about and they stated that they could sue me at any time unless I agreed to a payment plan with them. I advised them again that I would not communicate with them any further and that if they continued to contact me again that I would be filing every complaint possible against them including to the FTC and state authorities. Now I have received in the mail a XXXX cancellation of debt form stating that Pinnacle has discharged the debt for the amount of {$7500.00} and that I am responsible for paying taxes on that amount. This is in line with the FTC complaint referenced here : XXXXs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 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: MA

Complaint narrative:
I 've reached out to the debt collector for something that shows on my credit report, but they will not respond. I 've disputed the reporting of this debt to the credit bureaus twice, and they mark them as valid. However I still have never received something from this collector, nor have they responded to my request for more information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Stellar Recovery, Inc.
State: WV

Complaint narrative:
Had a contract with XXXX.wasnt happy with service.wanted to go back to XXXX.XXXX said they would pay termination fee, and they did! XXXX said we owed more which we did n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I FILED CHAPTER XXXX AND THE CREDIT CARD COMAPNY CONTINUE TO REPORT INCORRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from Stellar Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Stellar Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: FIRST HORIZON BANK
State: CA

Complaint narrative:
On CFPB Complaint # XXXX, dated XXXX, XXXX, we repeated a request for First Tennessee Bank to stop collection calls. The first request came in a CFPB complaint dated XXXX/XXXX/XXXX though not as explicit. First Tennessee Bank responded XXXX XXXX, XXXX, saying that " ... have stopped calls going forward. '' The calls have continued. 
I 'll apologize ahead of time for the length of this complaint. Their diligence in harassing us caused me to reread our agreement for this XXXX mortgage loan. This was never a credit card loan ; it was a XXXX mortgage loan secured by the equity in our home. The loan was written in XXXX, we paid monthly payments faithfully for six years until we lost employment and all severance pay was gone ; additionally, by that time, property values had fallen and the house could not be sold for enough to cover the XXXX and this XXXX mortgage. The loan became " unsecured ''. The loan documents speak of maintaining the property, loss of employment and the bank 's ability to forgive this loan. We can not understand why they have chosen us to be unworthy of forgiveness. When we contacted them in writing, XXXX, XXXX, our credit score was XXXX. We explained our inability to make additional payments because of loss of employment. Not once did they respond to us saying that an appraiser would be assigned to determine the home 's value as stated in their agreement. In fact, we heard nothing from them except to say that a 40 - 60 % repayment was their minimum if the house was sold. Our Realtor said that could not be done given the market. We have used money from our pockets and money from this loan to continue to upgrade this property ( pictures are attached ). When we purchased the home, it had a shack roof. California outlawed because of fire hazards, so we replaced the roof with a 15-year comp roof. Not shown is the banister that we added to the stairs leading to the bedrooms. Not shown is the new wood stove. We have also attached portions of the signed agreement with First Horizon that substantiate our statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
In my case. when I schedule a payment to XXXX of my payees through First Tennessee Bank 's online bill pay service, First Tennessee Bank automatically deducts the amount scheduled immediately prior to any payment instrument being issued by First Tennessee Bank. They do issue a reference identifer at the time the online payment is scheduled. What I believe is that when my payee returns the payment instrument issued by First Tennessee for redemption, First Tennessee changes the initial reference identifier. They also change the reference identifer again once they close my statement out for that period. The information is attached in detail later on in this process,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
XXXX sold my loan through auction for XXXX % of it 's Unpaid Balance ( UPB ) on XXXX XXXX, XXXX to XXXX XXXX, with Fay Servicing servicing the loan. 

On XXXX XXXX, XXXX, Fay Servicing offered a Proprietary Modification that included {$74000.00} in Principle Reduction from California 's Hardest Hit Fund. 

The monthly payments were over XXXX % of my income, far above the HUD guideline of XXXX %, and I could not accept the offer. 

I had to insist, multiple times, that Fay Servicing evaluate my loan for HAMP, as is required by XXXX 's Non-Performing Loan Sale Requirements. 

Fay Servicing finally sent the HAMP Mod Docs on XXXX XXXX, XXXX. I faxed and mailed the filled out and complete HAMP application and supporting documents on XXXX XXXX, XXXX to Fay Servicing, with follow up documents faxed on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Fay Serving acknowledged receipt. 

To make the monthly payments conform to HUD guidelines, a combination of Principle Reduction and HAMP modification is necessary. However, Fay Serving is saying that XXXX XXXX will not accept Principle Reduction money through California 's HHF, even though they offered a modification based on HHF Principle Reduction money of {$74000.00}. 

According to California 's HHF website and phone counselors, XXXX XXXX does participate in the Principle Reduction Program. 

XXXX Fay Servicing has stated that " XXXX XXXX wo n't allow for principle forgiveness. '' They will only accept Mortgage Reinstatement money from HHF. 

What is the truth? 

I am applying for HHF Principle Reduction again to assist in making my home payments affordable for myself and XXXX daughter. 

Also, since my loan was sold for XXXX % of it 's value, that means that the Unpaid Balance of my loan is less. How do I get a Mortgage Modification based on the reduction in my Unpaid Balance? 

Your help in resolving this matter is much appreciated. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 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: MI

Complaint narrative:
I just noticed this debt on my credit report and I do not have this account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Immediate Credit Recovery
State: NM

Complaint narrative:
I got a letter from a collection agency saying that I owed a high a amount of money back. For what what I do n't know. I see that it was opened on XXXX XXXX. XXXX. Saying I owe for a loan for schooling within years that 's I never attended. I attended college in the year XXXX and finished. After i got my certificate I started working with my XXXX and never attended school after that. I never ever opened up or took any school loans out. So when I seen that this was for XXXX it set a red flag for me. Becauae I became pregnant in XXXX and I stopped work for a year. I do n't understand why I 'm getting this collection agency saying I owe money when I never attended school or anything for two years sense XXXX. I strongly feel this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
Hello I have XXXX collections from hospital on my credit I should n't of been charged because I have a medical card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Associates of Maui, LTD
State: MI

Complaint narrative:
The access to medical services ... and the billing of said services to me ( per this false debt reporting ie., ) was covered under XXXX XXXX XXXX / XXXX XXXX . This so - called medical debt reporting, that is ancient as well, is not valid.Period.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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: IQOR US INC
State: CA

Complaint narrative:
I am disputing a credit charge from Allied Interstate LLC. in the amount of {$46.00}, which is included on Allied Interstate LLC statement dated XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I called ( XXXX ) XXXX and I am disputing this charge and notice of collection. As I told the reprehensive, I do not have a XXXX account or username which this charge is billed. 
I asked for a number for XXXX and the representative gave me the wrong number to contact XXXX and I have no way to dispute these charges with XXXX. 
I believe this Allied Interstate LLC is fraudulently sending collection notices to consumers and trying to collect on XXXX accounts which do not exist. 
I have enclosed a copy of the Allied Interstate LLC bill with the disputed charge highlighted. and copies of my email correspondence Interstate Allied Interstate LLC. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the ER and on their constant harassing and threatening phone calls, to no avail. I am now a 100 % XXXX veteran living off of VA and SS benefits and declared " unemployable '' XXXX XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX They dismissed two accounts and not a XXXX one. This is very disturbing to me. I have a XXXX as well as XXXX and this does not help XXXX. 
During XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I renewed the lease on my car, and my state requires that taxes associated with that are paid up front for the duration of the lease. I made the full payment for my car for the month, but I was not able to include the taxes associated with this. Honda applied my payment to the taxes, not the car, and then reported me 30 days late. I called Honda and they acknowledged that the payment should have been applied to my car payment and not the taxes, so they removed the 30 day late. However, I renewed my lease payment again, they applied my payment to the taxes and not the car payment again, and I have a late on my credit for this reason again in XXXX 2017 with XXXX. I would like to see the 30 day late removed, for XXXX as I did make my car payment, just not the payment for taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Venture Financial Services, Inc.
State: MO

Complaint narrative:
I have been paying on this debt and they are charging me interest. The original amount was XXXX. I have paid XXXX if not more and the interest they are charging does n't make the amount go any lower. I have asked several times if they can charge interest and they said that they can charge whatever they want.

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: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I guaranteed a company auto lease in XXXX with XXXX, the lease was for XXXX months and ended in XXXX XXXX. I made most payments on this lease because the company was not financially able to make them. In XXXX XXXX XXXX wrote me stating that a payment was due and I should remit it to them. I called XXXX stated that the lease has ended and that I no longer was associated with the firm, the response was that they extended the lease without informing me and that as long as the lease number did not change I was responsible. I stated that I did not authorize this extension and would not be responsible. 
Since that date the lease has been extended 3 times for a total of XXXX months without informing me, each time the company defaults they contact me and I repeat my original statement. XXXX has reported me as paying late to the credit reporting agencies damaging my credit rating. 
I have asked for copies of all signed documents and phone records relating to this lease and XXXX has refused to provide them. 
I do not believe that a 3rd party can obligate me without my knowledge or consent for a term now 50 % longer than my original commitment when XXXX was aware that this party was not credit worthy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
very confused about this remark, progressive XXXX states that I owe XXXX and not sure why as I pay any balanced owed if needed. this was a total blind sided. I need this taken off my record ASAP. please help me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: NJ

Complaint narrative:
Some keeps calling from Allied Interstate that I can barely understand asking me if my last XXXX of my SSN is XXXX. It is not me, and even if it was, I would absolutely never answer that question on the phone to someone who calls me claiming to be somebody. There are scams going on everyday with caller ID spoofs etc. This should be a crime or against some laws. I feel threatened that my identity is not safe etc. These kinds of collection tactics are extremely distasteful and useless. They need to use a better approach as anyone who would let them know their last XXXX of their SSN without verifying who they were giving it to on the phone is gullible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
American Honda Finance Corporation deducted two monthly automobile payments from my payment account for XX/XX/XXXX. They blamed this on their newly re-designed web site. No means to email complaint to company. Contact us tab on website has no mailing address of Corporation. Only an XXXX number to call. Upon calling, and listening to numerous canned prompts, and being told expected wait time would be two minutes, but turned out to be 19 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 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: IQOR US INC
State: SC

Complaint narrative:
I am not denying that i owe a debt to XXXX but i recently recieve an alert saying that a account was added to my credit by Allied interstate when this debt was originally added back in XXXX 2013 through a collection company called XXXX so the collection date is all wrong and i will like for XXXX to post the correct collection date because that will make that debt appear to be more recent then it really is and is causing my score to drop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: STATE FARM BANK, FSB
State: OR

Complaint narrative:
I applied for a loan through State Farm Bank XX/XX/XXXX. I have since provided all the required documentation they 've asked me for. I also paid to have an appraisal on my home. I locked in my rate for 60 days. 

Now, I am on my second appraisal, my lock has expired a few times and I have had to re-end them additional documentation and still do not have answer as to whether my loan will close soon or not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: STATE FARM BANK, FSB
State: FL

Complaint narrative:
I bank with State Farm Bank. Last night my debit card was declined for insufficient funds. I checked my balance using the most recent version of the State Farm Pocket Agent app for Android ( version 5.3.0 updated on XXXX XXXX, 2015 ) and it showed sufficient " available '' funds. It turns out that the dollar amount shown in the app is actually the " current balance '', but the description of the dollar amount the app gives is " available balance ''. ( I double-checked this against the website and the website showed the correct " current '' and " available '' balances ). This app has over one-million downloads.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MINNESOTA LIFE INSURANCE CO., THE
State: MO

Complaint narrative:
After i was unable to pay because of job loss and XXXX they sent in XXXX hard inquiries on my credit without my permission which resulted in my credit score and report being lowered.

Company response to consumer: Closed with non-monetary relief