vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Hunt & Henriques
State: CA

Complaint narrative:
I found out in XX/XX/XXXX I had judgement entered against me. I was not aware that judgement was entered in XXXX, I was never given court papers. It was explained to me I was served papers by substitution, that is not fair. I can not speak XXXX very well, but I was able to have a friend try to help me settle. They have raised the debt by way to much money and are not being cooperative in settling this debt for a fair amount, even though they never served me properly. I feel like I have been taken advantage of and now being forced to pay a large amount I can not afford.

Company response to consumer: Closed
Consumer complaint received 2015-09-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Had no idea that that the annual interest rate was over 580 % of the loan. Will never use or recommend this form of loan to any military or civilian individual.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: VT

Complaint narrative:
A lady called supposedly from Lockhart, Morris, & Montgomery from the telephone number XXXX. First of the time of the call was after XXXX when the website states that the office hours given by the website are only until XXXX. She refused to give her name and was looking for my deceased mothers information. She asked my father who was on the phone with her to send her a death certificate. My father said he wanted a letter stating the type of debt and the original creditor along with a request for a death certificate to be sent via mail. She argued with him insisting that he take down an address to mail the death certificate to her. He then said he was going to put me on the phone so I could discuss this matter with her. When I got on the phone I asked that she send us a letter confirming the source of the debt and how much it was totaling as well as a request for a death certificate and that only then would I send her a death certificate for my mother after reviewing the request with an attorney. She refused and started to argue with me saying I did not have permission to talk with her about it and that my father only gave her permission to give me the address to send a death certificate too. After arguing with her for about two minutes I hung up on her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
We lived in an apartment on XXXX XXXX XXXX in XXXX AZ for nine months while we were having our new home build at XXXX XXXX XXXX XXXX in XXXX AZ, we had XXXX this whole time and had XXXX move our service to our new home .I have been paying XXXX continued paying them each and every month sence we moved into our new home. XXXX XXXX of this month I found out that XXXX has been sending a closing bill to my old address, and because I never received this bill they turned me into collections for the sum of {$110.00}. It took me XXXX ours and talking to XXXX different people on hold between each XXXX of them before I got to the basis of this problem. They admitted that this was there fault but that I would have to pay the collection agency. So I called them and paid them over the phone in full. I have called several times to get this collection closed. XXXX has been very rude to me on the phone because I have demanded an apology letter from them and to close out the collection on my credit report. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: VA

Complaint narrative:
Phone call harassment all hours of the day, will not stop calling. I do not owe anybody any money, never missed a payment in my life and am a XXXX veteran

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
this is the third party is call me threatening me if i do n't pay will take me to jail./or they reported to credit bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Cash Express, LLC
State: KY

Complaint narrative:
This company has illegally shared information about my payday loan without my written consent to my significant other and to my minor brother.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX, SC XXXX CreditRE : Letter of Intent to SueTo Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against XXXX XXXX XXXX for {$20000.00} as a result of violations of FDCPA 813. Civil liability [ 15 USC 1692k ], FCRA [ Title 15 United States Code Section 1681 ], TCPA [ 47 U.S.C. 227 ]. 
In XXXX I contacted Rise Credit in regards to a fraudulent inquiry on my credit at which time I advised your company of the fraud and requested the inquiry removed. I received no response no justification via permissible purpose. I the realized in the months following your company listed a loan on my credit again I mailed your company copies of FTC Id Theft Affidavit, XXXX XXXX CID Memo, and a letter of dispute and requested validation documents so I can attempt to find out who is continuing to use my ID. I have now sent those documents to your company XXXX. Neither time were my issues addressed or responded to. Your failure to update the credit bureaus have caused me financial harm i.e. increased APR percentages on my loans/credit cards as well as being out right denied for lines of credit. Also your negligence in responding to said correspondence constitutes Willful Negligence as required under FCRA. A combination of all of the above constitutes actual damages. 
If you wish to resolve this matter without court action, a check or money order for {$6000.00} must be received by myself at the address listed above in addition to removing the account from all XXXX major credit bureaus within 14 days. If I do not hear from your company, I will initiate a lawsuit. I believe that is a fair and reasonable settlement considering a previous lawsuit I filed the business incurred legal fees alone in excess of {$5000.00} prior to agreeing to settlement. I can be reached by email at XXXXXXXXXXXX or XXXX : XXXX XXXX XXXX South Carolina XXXX XXXX XXXX XXXX XXXX of Suit Other Statutes - Other Statutory ActionsCause 15:1692 Fair Debt Collection ActCase # XXXX XXXX XXXX, XX/XX/XXXXYour prompt attention is appreciated, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 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: Radius Global Solutions LLC
State: CO

Complaint narrative:
Received Collection notice in mail for Creditor : XXXX, XX/XX/2016. We cancelled services with them XX/XX/2016 and had the final bill showing full payment received. No bills or other communications about an amount owed were received for 9 months, until we received this collections letter. Upon receiving this letter we contacted XXXX to determine what this {$43.00} charge was for, and after 2 hrs and 12 mins ( which amounted to 4 calls since on one of them the line somehow " disconnected '' instead of going to a supervisor, to them ), including them telling us to call XXXX as they said this was a charge XXXX sent them and then XXXX should have then billed for it. We have conflicting information from the XXXX XXXX reps we were routed to in four calls as to what the charge was or why a bill was never sent or claiming a bill was sent even though we have n't changed addresses. XXXX today finally said they could produce a final bill, but it has to be mailed, which will take " up to 30 days '' they claim, and it is impossible for them to send an email or other electronic bill so that we can verify the charge is valid and make a payment. As they know, we were out of the country for 3 weeks, so we had 1 week since receiving this notice to reply to the 30 day request from their 3rd party collector. Funny how 1 day before our response is due they are able to mail a bill that will take up to 30 days for us to receive. we have never had anything in collections and so we went ahead and paid the amount, because we would never want anything against our credit, but seeing as the creditor never provided any proof of the charges it makes us think big company taking advantage of the consumer since they do n't care about our credit. As a financial services auditor that knows processes and collections, I believe that XXXX has a process breakdown in which charges that happen for a consumer through their partner XXXX XXXX sending out their final bill do not make it to a billing cycle, so as a result, those charges sit there, and then when they pull the data for unpaid amounts, the amounts show in that data that is then sent to their 3rd party collectors. Not a single rep could find in our account any of the normal steps one would expect from your Cable provider 1 ) when or how the additional final bill was sent, 2 ) when this supposed bill was unpaid after 30 days, why there would n't have been any follow-up to us, as the consumer, such as a call, or another notice ( mail or email ). I called the 3rd party collection agency that sent the collection letter to let them know about this struggle to determine what the amount was for, and they said they have had a lot of similar issues with XXXX collections.

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 2015-10-30 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have an online savings account at CapitalOne360.com XXXX originated from INGDirect which was bought out by COBank ). I make monthly deposits into the account and regularly make withdrawals into my XXXX bank account ( linked to the savings account ). On XXXX I scheduled a withdrawal from CO360 to the XXXX account to drop into XXXX on XXXX. This morning, I logged into XXXX and it was n't there. I then logged into CO360 and it was n't there either ( see attachment ). I called XXXX and they said it was n't in the XXXX for today at all. They had no evidence that it was anywhere. I then called CO360 and said where 's my money? because it had been taken out of my CO360 account altogether. They claimed it would take 2 business days to get to XXXX. I said I get that when I make an unscheduled withdrawal but that is not right for a scheduled withdrawal. And never since I 've owned the account, whether making a scheduled or unscheduled withdrawal, has the withdrawal shown as gone from my CO360 account and not deposited on the same day to my XXXX account. So, in order to get the deposit to XXXX as scheduled, I was required to wire the money at my own cost of {$30.00} or wait until Tuesday to get the money to XXXX. So, I was no longer the " owner '' of the funds in either location. My {$2000.00} was in someone else 's possession altogether, being used by someone else to get the " float '' and I was no longer getting anything, interest or use. In fact, for all I know, it was in the pocket of some hacker in XXXX. This ca n't possibly be legal. I get that they can, as an account term, take 2 business days. But never for those 2 business days has the money not still been shown as being owned by me in my 360 account. This was the first time ever they pulled this stunt. I will be demanding the refund of the {$30.00} shakedown and closing the account now, but I hope you will investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 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: Omega RMS, LLC
State: FL

Complaint narrative:
Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
This company has removed and reinserted previously deleted information. For several years, I have been monitoring my report. I noticed that this collection account was removed and told that it was due to problems with the previous managing company of the apartment complex. Several years later, the account was added back to my report. In XXXX XXXX, I did not have any collection accounts on my credit report. In XXXX XXXX, this company decided that after 6 years they would reinsert this alleged debt and substantially ruin my credit rating. I called to inquire about the debt and was told that during the 5 years, there were 2 attempts to call me and both times they did not speak with anyone. The two attempts to contact me was 5 years ago as this debt was opened in XXXX. During the initial conversation, I told the representative that this had been removed and added back to my report. I asked her to tell me the first removal date, and after a short pause, she placed me on a brief hold. After returning to the phone, she insisted that she " did know '' when or why it was removed, but that it was added back in XXXX XXXX as a new collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 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: Radius Global Solutions LLC
State: AZ

Complaint narrative:
My credit is being harmed by a collection agency that is reporting a disputed debt. 

The issue stems from a 3-month series of billing errors that my current phone/internet/XXXX provider made when we switched our service to them last year ( XXXX 2014 ). Throughout the time that the billings were in error, XXXX advised me to not make the payment while they corrected the issue however they never actually got it fixed. When they finally combined my payments onto a single bill ( which is what they were supposed to have done from the beginning ), they sent me a separate bill for one portion of the service and refused to provide a breakdown of what the billing represented. As the total amount shown was equal to the amounts I had been billed during the 3 months that the bills were in error ( and did not include the " bundle '' discounts I was supposed to get ), I advised CenturyLink that the bill was disputed until they could get it corrected - they appear to have responded by sending it to a collection agency. 

When I received their bill I notified the collection agency that the bill was disputed because the creditor refuses to provide a breakdown of charges ( which I know are wrong ). The collection agency subsequently sent me a copy of the erroneous billing, marked as a duplicate and showing an address in XXXX ( I am in XXXX ), which does not include any information other than the disputed amount. 

I contacted the collection agency and advised that the billing remains disputed because it 1 ) does not list what I am being charged for or 2 ) include the discounts that were the source of the initial dispute. Their agent stated that they considered the bill validated and were reporting it as a collection item. My credit monitoring service subsequently notified me that my score has dropped. 

I experienced a job loss several years ago and my credit suffered as a result. It has taken me a long time to rebuild and I am very upset that this collection agency is trying to erase all that hard work. 

I have submitted a complaint to the FCC as well, in the hope that they can get XXXX to correct their erroneous billing - please help me get the collection agency to stop harming me - my efforts to convince them that the billing is wrong ( and should not be paid ) have not been successful. 

Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, I received a letter attempting to collect for a hospital visit on XX/XX/XXXX. The only information provided was that the amount is {$420.00}. I do not owe on any hospital bills, nor did I go to a XXXX XXXX XXXX hospital on that date. Also of concern is that Nevada Statute of Limitations does not permit collection on debt that is 10 years old, let alone debt that is not verified or owed. 

The company is falsely representing that I owe money and did not verify any necessary information, and is not adhering to Nevada FDCP.

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 2015-06-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
My sister in Iowa purchased a reload it money pack in the amount of {$150.00} to be transferred to my XXXX card. Reloadit.com requires customers to establish what they call a " safe '' for fast secure money transfers. It has now been 48 hrs and I have yet to receive access to my funds. I have rudely been advised by reloadit.com 's customer service that they are experiencing technical difficulties with no ETA of when it will be resolved. This was an emergent situation and my family has had to suffer without food and now possibly electricity because of not receiving timely funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Risecredit, LLC
State: SC

Complaint narrative:
I have XXXX company 's rise and XXXX, XXXX that have been sold to another lender and a couple with late payments that is over 7 years old

Company response to consumer: Closed
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$34.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Strategic Alliances, Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/15 I requested 1st Financial Investment Fund provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I have many debts on my report that are my uncles that has the same name as mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 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: Dynamic Recovery Solutions, LLC
State: OH

Complaint narrative:
Some 5 to 7 years ago I received a telephone bill from XXXX for {$370.00}. I paid the bill in full. Years later I received a collection notice that I owed XXXX {$370.00}. Not wanting to ruin my credit rating, I paid the bill AGAIN! Now I have received another collection notice from a different collection agency, stating I owe XXXX {$370.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
Debt is not mine. Debt is also showing up on my credit report 2x

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC
State: CA

Complaint narrative:
Attempt to collect a debt that is not mine. Please investigate Omega RMS, because they 're trying to collect money from me twice with a XXXX different amount at {$28000.00} each account that is not mine.

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