vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica
State: MD

Complaint narrative:
My pocket book was stolen at the XXXX XXXX and fell a sleep. When I notice my pocketbook was missing I call a Police Officer to take a stolen report. I report to the Direct Express and they issues another bank card and charges for second bank card. 
When the Direct Express bank card got here by XXXX mail delivery at XXXX XXXX XXXX, # XXXX, XXXX, Maryland. They Direct Express bank card was placed in a friend truck to keep me from loss this bank card on XXXX/XXXX/2016. I stay in the card until morning and I decided to check on my Direct Express bank account to see if the XXXX benefit check of {$890.00} was desposited. I got a shock of my life that I had a balance of ect. {$270.00} and so cent. I withdrawal the other $ XXXX {$40.00} and {$23.00}. In the began of this bank account was a XXXX and cent for the card send. Yet, I did n't authorized any funds coming out my bank account. This Direct Express bank account was to be closed, not have it posted/or attachment done on this bank card. There were3 unathorzed funds remove without my permission. It has been 20 days of no response on my funds and I experience some hardship on this transaction. XXXX I need some answer to the missing XXXX funds. Direct Express/XXXX XXXX # XXXX. I refund? How long does it take to get your refund back?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Go Capital Holdings, LLC
State: VA

Complaint narrative:
I have a car loan with GO Financial, which I had set up on auto pay. I paid my bill early using their XXXX service. The transaction went fine and my card was debited the correct amount. Upon returning to my account page, it told me the payment succeeded and that my account wo n't be charged again until XX/XX/XXXX. This morning, I find that is not the truth. They debited my checking account for the car payment a second time. You can see on my account page that this is the case. I called this morning to let them know they had billed me a second time and to ask they refund the second payment. The gentleman on the phone acknowledged he saw the two payments. He offered to apply the second payment to XXXX or as an additional payment. I told him that I wanted it refunded to me. I was then told that it would take three weeks to process my refund. When I asked for a tracking number, I was placed on hold for nearly ten minutes. The agent came back on the line now saying that I needed to provide bank statements showing that the payment had been debited, and would not give me a tracking number for my refund request. I asked to speak to the supervisor, and she told me that I needed to prove the money was debited from my account -- even though their website clearly shows both transactions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 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: PA

Complaint narrative:
Pinnacle has refused to correct their false information and have not met the FCRA standard. Consumer is seeking the licensed and registered agent in Pennsylvania to pursue action for violations by Pinnacle. 
Creditor, collection agency and credit bureau, if they reage your debt ( FCRA section 605 ( c ). 

Creditor, collection agency if they report your credit history inaccuratley ( extent of damages incurred ) a collection agency can not misrepresent a debt as to the date, legal, or amount ( FDCPA ) FCRA Section 604 ( A ) ( 3 ) covers the pulling of a credit file without permissible purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I have no clue what Western Shamrock is.And they are asking for $ XXXX.Where I have no idea of any loan, or other services that I have received from them.

Company response to consumer: Closed
Consumer complaint received 2016-08-23 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: AZ

Complaint narrative:
Pinnacle Credit Services/XXXX ( Collector ) did not sent notice of right to disclose. 
Collector continues to report false information related to this account to Credit Bureau Agencies ( CAs ). 
Collector claims account opened date opened XXXX/XXXX/XXXX. 
Collector claims a debt of {$1200.00} on behalf of XXXX XXXX. 

Alleged debt has been disputed several times through FTC on XXXX/XXXX/XXXX. Case # XXXX filed reporting XXXX XXXX. 
Also with the Arizona XXXX, the XXXX CBAs, and directly with Pinnacle Credit ServicesXXXX. 

Collector 's response to all claims is that the debt is owed in a single statement, without providing any supporting documentation ( because none exists that will help their case ) on this alledged debt. 

I had an over a decade healthy relationship with XXXX XXXX since XXXX 's. On or about XXXX XXXX I had made contact with XXXX to cancel service at the end of the contract period, which I was told ok. Late XXXX disputed that cancelation was not made timely, when I asked for proof of the contract with signature nothing was provided and was automatically billed {$1200.00} for the untimely cancellation fee of XXXX Blackberries. It was all based on their own assumption. 

XXXX has sold this account to numerous collectors, which I have immediately disputed the validity of the debt. However, Pinnacle/XXXX has been a different story. They purposely did not send the Notice of Right to Dispute knowing my history and they immeidatly reported to the CBAs. Since then it has been nothing but a struggle to have an enforcement agency request this " Collector '' for proof of the information that they are claiming on my credit files. 

Reaging an account is NOT legal. I have also made several attempts in trying to discuss matter with a representative of PinnacleXXXX, but I you get is their representative asking you to verify your current address, phone number, etc, and then you get transfer to a voicemail and never get a call back. A tactic for them to just record that you had been notified ( over the phone ) from their recorded message that it is an attempt to collect. This is a criminal way of doing business - but as a collector, they just want to at least assure they hurt the consumer knowing that their claim has no merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 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: MD

Complaint narrative:
Dear CFPB, I am sending you this complaint as attempt to resolve an alleged debt matter with a collection agency by the name of Pinnacle Credit Service. I review my credit reports on a monthly basis 's to ensure accuracy. In XXXX, XXXX I reviewed my credit report and discovered a collection account reporting from Pinnacle Credit Service, The account is reporting as follows. 
1. Pinnacle Credit Service, Account # XXXX, Balance {$290.00} On XXXX XXXX, XXXX I sent a request for validation to Pinnacle Credit Service requesting for validation. XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX advising me that they are representing their client Pinnacle Credit Service and that they were in the process of obtaining validation from the creditor. Time has passed and I have not received any communication from the collection agency regarding my claim since. I sent XXXX more request for validation on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and still have not received the validation request. I also made a phone call to Pinnacle Credit Service in between the time frame the validation requests were sent and was advised by Pinnacle that they 're not handling the account to contact XXXX XXXX. When I spoke with XXXX XXXX I was advised by them, they will mail me documents in the mail. 

It 's now XXXX XXXX, XXXX, I not received the validation I requested. I have made numerous attempts to resolve this situation with Pinnacle. Whom still until this day reports the derogatory account on my credit report failing to validate the debt which is a violation under the FDCPA at this time Pinnacle Credit Service had sufficient amount of time to provide me the validation request I requested in writing three times and XXXX time by phone conversation with a representative. I request that Pinnacle Credit service remove the debt from my credit report with all three major credit reporting agencies ASAP, Thank you for assisting me with resolving this matter with Pinnacle Credit Service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 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:
My credit report shows that I am responsible for a debt of {$1800.00} for an XXXX from XXXX XXXX XXXX in XXXX, NJ from XXXX. This amount was already paid by my insurance company, XXXX, and I paid the co-pay. There is NO outstanding balance on the account. REMEX is the collection agency that has reported the debt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: SC

Complaint narrative:
Franklin Collection Service Inc has listed the same account 2 times on my XXXX credit report stating I owe them money from XXXX. 

This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on debt that does n't exist. 

Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. 

Franklin Collection Service Inc is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report. 

XXXX. Creditor : Franklin Collection Service Inc Account Number : XXXX 2.Creditor : Franklin Collection Service Inc Account Number : XXXX Please make Franklin Collection Service Inc delete these XXXX accounts from my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: MD

Complaint narrative:
I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Armcon Corp
State: CA

Complaint narrative:
I represent a client that owes for a Dental bill. Recently, a Collection Agency issued a wage garnishment in CA. The debtor filed a Claim for Exemption as his right to do so, and in response the Collection Agency Manager is retaliating. Not only did he use profane language regarding the debtors request to try to resolve this, the Manager stated that he ca n't wait to take him back to Court to get an additional {$500.00} in Legal fees because he makes a lot of money, and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 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: MA

Complaint narrative:
Stellar recovery had reported into my credit saying that i owe XXXX {$240.00}. However, i had pay this bill with XXXX and even XXXX had confirmed that this debt had been paid off and should not been reported in to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 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 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. The police department told me to contact the federal trade commission which I wrote a formal complaint against STELLAR RECOVERY in regards to this matter. The FTC also instructed me to complete and 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 2016-10-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc.
State: MI

Complaint narrative:
I have a derogatory remark due to an uncashed refund check from XXXX.i ca n't believe that could ever effect my credit. Obsurd

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Immediate Credit Recovery
State: TX

Complaint narrative:
Data furnishers are required by law to fully investigate any dispute that 's brought to their attention. If they do n't, they could face substantial regulatory action from the Consumer Financial Protection Bureau. In XX/XX/XXXX, the CFPB issued a formal bulletin warning lenders and other data furnishers, such as debt collection agencies, that they will be penalized if the CFPB finds they are n't properly investigating consumer disputes. 

First, Immediate Credit Recovery , Inc. sent a collection agency notice to my parents house and not to me at my address in Texas. 

Second, Immediate Credit Recovery , Inc. did not investigate my dispute of the invalid debt that I sent them via U.S. Mail and e-mail on XX/XX/XXXX. They reported me as delinquent to the Credit Bureaus and I have experienced significant adverse outcomes as a result of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
A few weeks ago, I noticed on my bank statement that there was a {$1200.00} withdrawal that neither my wife, nor myself had made. I checked with the bank and found out that they had paid funds out of our account as the result of a lien they received from Messerli & Kramer. Not knowing who or what Messerli & Kramer was, I contacted them via phone and electronic messaging ( web site ) to ascertain what this was about. They did not returned either message. 
I asked the bank if it was standard procedure that an entity can access one 's bank accounts without notifying that individual. They stated that we should have received notices from Messerli & Kramer before the lien was filed. 
I had not received any. I asked my wife if she did, and she said she had received XXXX or XXXX letters, but did not know what it was for ( was not aware of any unpaid and overdue debits ), and disposed of them, thinking it was a scam. 
As I did not hear back from Messerli & Kramer, I went to their XXXX, MN location ( I was told from their XXXX XXXX XXXX, collections where handled there ). When I was there they shared what the background was pursuant to this issue. 
My questions are : Is this standard procedure for a collection agency ( law firm )? How is a business like this able to access information on our bank accounts and gain access to them. Finally, I discovered when I visited their office that this was a court imposed lien. How is any court action able to happen without notification of a respondent?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Stellar Recovery, Inc.
State: AR

Complaint narrative:
XXXX XXXX has been using " ghost '' collection agencies to continue to harass me for months. XXXX, XXXX XXXX, and Stellar Recovery are in fact XXXX XXXX employees falsely claiming to be collection agents. What they are doing is making an end run around the Fair Credit Reporting Act. Notwithstanding my best efforts XXXX XXXX has yet to provide me with written proof of this debt even after multiple written requests for this information. Stellar Recovery has called my cell phone over XXXX times and has yet to provide me proof of 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 2015-05-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
There is a previous complaint about this company from me. I am writing because my parent 's savings account was levied by Messerli & Kramer. The bank got their notice on XXXX XXXX, mine was n't mailed until XXXX XXXX. I received the paperwork on XXXX XXXX, and the money was already removed before I had the chance to file an exemption. I also filed an exemption with this company on XXXX XXXX, 2015. The savings account that was levied only has my name on it in case something should happen to my parents. We are clearing that end up at the bank, but the fact remains that I was NOT allowed proper time to file my exemption with them before they sent the form to the bank. This happened once before, years ago, and I did file a complaint. 

I have been making my payments. They claim they did not receive the XXXX payment, and I know the first XXXX payment did n't make it through the bank so I immediately re-issued the payment and then continued on in XXXX. Their amounts do not reflect the proper amount owed on the account. 

I KNOW that they have to provide me with enough time to file my exemption in the case of a garnishment or account levy. They will claim it was a different account number, however, all amounts show the SAME account number. I feel I am being harassed nonstop by these people, after we have made an agreement. Please make them STOP!!!!! I am TRYING to get this debt cleared up, repeated attacks from them after we made an agreement are not helping!!!!! 

I am attaching documentation, however, I am not attaching every receipt, as you have all of that from my previous claim and I doubt that you want to read through it all again. I WILL provide it if necessary. I have provided the garnishment/levy notice, the date it was postmarked, the date the funds were levied from my PARENT 'S account and the original settlement letter. Please let me know if you need anything else. 

Thank you so much for your 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 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I have a mortgage with Caliber Home Loans, which calls itself a collection agency rather than a bank. On two recent occasions, I made my regular monthly mortgage payment to Caliber and they did not deposit the payment, claiming that it was not associated with my bank account properly. They charged a late fee on both occasions. I fought to have the first late fee ( XX/XX/2016 ) reversed, but they have refused to reverse the second fee. The payments were made using my personal checking account, which I have had for many years and which has not changed in any way. Other payments from that checking account were cashed routinely without a problem. I suspect that Caliber is using the claim of " no account '' to add late fees to my, and perhaps other accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Stellar Recovery, Inc.
State: TN

Complaint narrative:
I was placed on collection for a non-existing debt of XXXX fro the amount of {$740.00}. I called XXXX to verified that I owe them nothing and of course I do n't but XXXX has this wrong information on my record and wont remove it. XXXX is the type of company that if you do n't pay them will cut your services so there is no way a person can have such debt with XXXX. 
I am in the process of entering the police academy and this inaccurate information can ruin my career.

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