vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX 2014, I went over my credit card limit pumping gas at the pump by {$20.00}. For years I 've been paying my credit card bill online & that statement that follow had a minimum fee of about {$75.00} which I paid. However, for the next year XXXX Capital One charged me an over-the-limit fee every month, never again emphasizing on the online payment statement I was still over the limit. Being I had n't purchased anything on this card for a year I always paid the minimum fee over a bit more to try, what I thought I was doing, paying off the loan. However, the online payment window is vague with nothing more than the minimum payment, but I noticed after XXXX months my balance was going up. First off, I never agreed to allow Capital One to let my card go over the limit - which I thought was a new law- & that they were not supposed to charge me much more than the overage cost itself as the penalty. I would imagine the minimum payment should be such to get you back to your limit, but being this is not my only credit card I overlooked it. I believe they should not have let my card go over-the-limit with out my permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Dealer Services has reported six late payments and I was told that they do not follow the same rules as credit cards. That is, if a car payment is even 1 day past due, it is reported to the reporting agencies. ( XXXX, XXXX, XXXX ). I was n't receiving paper or electronic notifications that payments were due, nor that the payments were late. My credit score has been ruined and they refuse to remove these lates and restoring my credit due to this technicality. This is going to remain on my credit for seven years with no recourse by Wells. Of course, Wells has a history of fee gouging the consumer and this is just another method of collecting fees, disregarding what 's in the best interest of the consumer. I respectfully ask for your help in having these lates removed from my credit and that they report accordingly to the reporting agencies. Thank you so much for your help in this matter.

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 2015-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IL

Complaint narrative:
SKIP TRACING, SEVERAL LAWSUITS, COLLECTORS IN VIOLATION OF TCPA, FDCPA ETC..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: KY

Complaint narrative:
On XX/XX/2016 at XXXX charges were made at a XXXX store # XXXX in XXXX XXXX. I live in the state of XXXX. The first charge was for XXXX @ XXXX, the second was for XXXX @ XXXX. The last purchase I made was at XXXX at the XXXX XXXX XXXX in the town where I live in XXXX. When I found the fraudulent charges on XX/XX/2016 I immediately called and reported them, and I disputed the charges, and cancelled my card. Direct Express refused to put the funds back on the card even though they seen the charges were made in Ny. But still wanted me to dispute them which they say takes XXXX days. I called on the XX/XX/XXXX, they had no record of me disputing the charges! So I had to start the process all over again. This is my XXXX check, and my account is drained. They tell me there is no phone number to talk to the people who investigates fraudulent charges nor is there a corporate number to call. Something is n't right with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc.
State: WA

Complaint narrative:
No written notice. No communication. Did not receive notice of right to disputed. Sent info to my credit report. Not enough correct info to verify debt or amount. After I filed a complaint to XXXX I recieved an email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 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: Franklin Collection Service, Inc.
State: KS

Complaint narrative:
I was billed incorrectly by XXXX for a modem/router I returned after canceling their XXXX service in favor of XXXX. Despite submitting video and photographic proof to XXXX, XXXX sent the bill to debt collections via franklin collection services inc. I was aware of this scam and documented my return of the device.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Group, Inc. (MN)
State: CO

Complaint narrative:
RMG Systems is trying to collect a debt that is not mine. I have asked a number of different time for verification and they have not provided it to me. They did however say that if I just paid the debt they would remove it from my trade line on my credit report. I have no problem paying the debt that is mine. They are a shady collection company that I believe is part of a scam. They have no information other then basic personal info.

Company response to consumer: Closed
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I have disputed this account with both XXXX and exeter finance company about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all XXXX agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 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: Pinnacle Credit Services, LLC
State: MT

Complaint narrative:
I have been on another account since XX/XX/XXXX and would like to know where this overdue amount came from. I have not had a XXXX account in my name since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC
State: WA

Complaint narrative:
I mailed XXXX certified letters requesting validation and never received anything. The collection is still appearing on my credit reports. I even contacted the XXXX office in Minnesota & Washington state. They have ignored my requests and I am asking that this be removed from my all XXXX credit files because of failing to respond since the first of last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 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: NC

Complaint narrative:
I currently have an account with Pinnacle Credit Services on my credit report that I disputed because I did not believe the account was mine. It came back as verified with all XXXX credit bureaus. Recently, I contacted all XXXX credit bureaus to remove the dispute comments from my credit report since I would like to apply for a mortgage. XXXX complied, however, XXXX and XXXX stated that based on the status of the dispute they would have to re-dispute it to have it removed. I got the updates from XXXX and XXXX around XXXX XXXX stating that the investigation was complete but the account remained in a dispute status. I called both XXXX and XXXX on yesterday, XXXX XXXX, regarding this. XXXX removed the dispute status, however XXXX stated that they could not remove the dispute because the creditor felt like the issue was unresolved and I would need to contact them. I called Pinnacle Credit Services at XXXX and spoke with a representative who informed me that they no longer held the account, and I had to speak with someone at XXXX XXXX. I was also given the account number of XXXX, phone number XXXX. When I spoke with the representative at XXXX XXXX, they informed me that they bought out XXXX and that this account was no longer being collected on or reported, but its still being reported on my credit report. She also told me that the account was from XXXX 2009 ( which is 7 years ). When I explained the situation to the representative she stated that all updates would be made in XXXX. With the information that I have been given, I do n't understand why Pinnacle would not remove the dispute comment from my credit report, especially since they no longer own the debt! This has been a very frustrating process for me since all I wanted them to do was to remove the dispute comment, but to find out that the account is 7 years old, no longer owned by the company reporting on my credit, and to then be told it 's not reporting but instead it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Healthcare Receivables Group, Inc.
State: VA

Complaint narrative:
i have called about this issue and they say i dont owe this bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26 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: Franklin Collection Service, Inc.
State: MI

Complaint narrative:
I am signed up for XXXX credit monitoring, and received an alert that a new collection account has been added to my credit reports. I have attached a screenshot of this from my XXXX credit monitoring service. 

I never received any correspondence from Franklin Collection Service regarding this debt. If i would have received this information, I would have paid this debt immediately during the validation period so the account would not show on my credit report. 

I contacted Franklin Collection Service and asked to speak to a supervisor. The supervisor had an extremely standoffish and rude tone and told me to take it up with the post office because he said they did send me documentation. When I asked him to send me another copy of the documentation that they sent me, he said " too bad '' and to, again, take it up with my post office. 

Unfortunately I am rebuilding credit so I am aware of how these situations work. Franklin Collection Service never sent me the initial information and communication about them having this debt, and I never even knew about it until my credit monitoring service picked it up. 

I am requesting that this account be deleted from my credit reports due to Franklin Collection Service not following the proper procedure to communicate this debt to me. 

Please let me know if you need any additional information from me. I will be glad to assist in order to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was approved for the Chase Sapphire Reserve card on XX/XX/2016. I applied for the card because I had upcoming travel XX/XX/XXXX and XX/XX/XXXX, and wanted the " Priority Pass Lounge Access '' which is stated as a benefit on the Chase website : " Access to XXXX+ airport lounges worldwide with complimentary Priority Pass Select membership. '' Hidden in the terms of service, Chase explains that you must " activate '' this benefit first on their website. After learning this, I activated the benefit on XX/XX/2016 and was told I would receive a card in 2-3 weeks. The Priority Pass card never arrived, so I followed up with Chase Customer Service and was told another card would be sent. Two weeks later, I have still yet to receive this card and I am unable to take advantage of this benefit. 

Chase 's website and terms of service do not disclose that card members may experience a significant delay in their ability to access this card benefit. As such, I believe their website is misleading potential card members to think that this benefit will be immediately available after " activating '' their Priority Pass membership online. 

The terms simply state : " Complimentary Priority Pass Select Membership One time activation required. There is no additional cost to activate your membership and certain terms, conditions and exclusions apply. Priority Pass Select membership includes access to airport lounges participating in the Priority Pass Select network. Participating lounges are owned and operated by independent third parties and their participation and/or facilities may change. To access a lounge, member must show his/her valid Priority Pass Select membership card. Priority Pass Select membership is subject to the Priority Pass Select Terms and Conditions. Account must be open and not in default to maintain membership. For complete Priority Pass Select Terms and Conditions and a listing of participating lounges, please visit XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: 1ST ALLIANCE LENDING, LLC
State: CT

Complaint narrative:
I began my refi mortgage application on XXXX XXXX, XXXX. Today is XXXX/XXXX/XXXX and I am no further closer to finalizing the mortgage. I have been bombarded with requests for more information. Each time I am told that we have submitted all documents, I get requests for more. I purchased this house with hard lender money in XXXX of XXXX. I had a clear title search completed in weeks. 1st Alliance is claiming that it took 5 months to get a clear title from their title company. This property was built in XXXX and has only had XXXX owner, not a tough title search. The company has also confirmed that my file has been passed through XXXX different underwriters. I have lost my rate lock and had to pay extra to get a new rate. My appraisal had expired and had to order a new XXXX. I have had to submitt all of my documents and a few different occasions because they have waited too long. Last week I was told that we would close today or tomorrow, and much to my surprise ... .I was greeted with another email asking for more documents. I am in the business of buying and selling homes for a living, and I have never heard of, or experienced such a poorly run company. This experience has greatly effected my finances and how I have been able to run my businesses since XXXX. I have been unable to operate my life as normal for fear of raising issues with having to provide more documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Idaho Credit Corporation
State: CA

Complaint narrative:
I had medical at the time and just did n't have my card with me. They should have billed my insurance instead they billed 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 2017-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ATG Credit, LLC
State: GA

Complaint narrative:
On XX/XX/2016 I checked my credit report and ATG Credit LLC is on my credit report for an unknown account with the amount of XXXX. It states the account was opened on XX/XX/2016 which is a LIE BECAUSE I did n't open any accounts in XX/XX/2016 that went to collections. ATG Credit did not contact me nor did they send me a letter informing of what ever debt this is which violated my right as a consumer to dispute or have whatever this debt is validated. According to the FCRA a collection MUST notify the consumer by letter of the debt to give the consumer a chance to ask for validation to dispute the debt. My rights was violated and I will be seeking to file a civil suit. This account needs to come off my XXXX CREDIT REPORT ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Pinnacle Credit Services, LLC
State: GA

Complaint narrative:
PINNACLE CREDIT SERVICES I asked PINNACLE FOR for valiation and verification pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and PINNACLE CREDIT SERVICES is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( 6 ). PINNACLE has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want PINNACLE CREDIT to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) has successfully disputed this information because within five ( 5 ) days PINNACLE CREDIT SERVICES did not provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for PINNACLE CREDIT SERVICES. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants PINNACLE CREDIT SERVICES TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because PINNACLE CREDIT SERVICES says she owes them money and according to the LIBEL CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract on. 
PINNACLE CREDIT SERVICES is trying to extort funds from the Consumer without merit. I will make sure that this is known to everybody about this illegal act. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. Regards XXXX XXXX XXXX Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 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: D&A Services, LLC
State: KY

Complaint narrative:
Call from D and A Services XXXX about a personal matter. They are a debt collection service trying to satisfy a debt and the call was recorded. I do n't owe such a debt. Left a message for me to return a call to XXXX. Asked me to verify my last four of SS number and dated of birth. I told them I do n't give out personal information to anyone I do n't know, especially over the phone. Then she attempted to verify my identity by giving me a bogus address. I told them that was n't me or my address and she asked for my address. I told them not to call me anymore. They said they would remove my name from their call list. This was a phishing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pinnacle Credit Services, LLC
State: MA

Complaint narrative:
I received a call from Pinnacle debt services asking me to call their phone number at XXXX from XXXX, Florida I do not know who these people are and do not owe money to anyone. My credit rating is very high. No money issues. The message said I must call them back immediately, which I did not and wo n't How do I stop them from calling?

Company response to consumer: Closed