vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Law Office of James R. Vaughan, P.C.
State: AZ

Complaint narrative:
In XX/XX/XXXX I opened a XXXX credit card, I had a {$1400.00} balance and I defaulted on it a year or two later. In XX/XX/XXXX they tried to put a lean on the checking account. Since I 'm on XXXX they could n't take money since I get government checks. Skip to XXXX XXXX, I got a letter from one of my credit card companies that they were inquiring my information. I called to find out what was going on. They said that I owe {$4700.00} and I needed to pay it back or they were going to take court action. I asked if it could be reduced to the original amount plus lawer fees they rejected it and said I had to pay back the full amount. So to avoid the court action I agreed to pay {$100.00} a month for a year then $ XXXXfor a year then {$150.00} for another year, with a final payment of {$91.00}. They said that was the only way to avoid court action. Being on XXXX I can NOT afford this. I say one of your reps on XXXX XXXX, so wondering if you can help me 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 2016-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
I closed my account with Rushcard over 90 days ago with an outstanding balance of a little over {$60.00}. I was told that I would be issued a check for the remaining funds within 7-10 days. I waited 30 days and contacted them again, and was told the same thing. I never received my funds. I called after 30 days again and was told once again they would mail me a check or send me an activated card in 7-10 days. I requested that they overnight a check, because I do not want another card in which I will have to pay fees to use. I was told they can not overnight anything and I would have to wait another 7-10 days. This is unacceptable. They have already withheld my funds from me for too long and do n't provide answers or solutions when contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
Rushcard XXXX has been doing a system update since Sunday. Customers were told that the update would be done by Monday XXXX but nothing has been done and no notification have been sent. The customer service number is out of service and the online access is down. I have not been able to speak to anyone at the company regarding this issue. This is a company wide issue and a lot of people are affected by this. we have not been able to access or money, transfer funds or use our debit card since Sunday XXXX/XXXX/2015. This is a major problem and it seems that the system has possibly been hacked or we are all victims of fraud/scamming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Delray Capital, LLC
State: MS

Complaint narrative:
I keep getting threatening from calls from an XXXX company that is scam. They are calling from a no caller ID number threatening to contact the local law enforcement in XXXX ms about a loan. They are harassing me to give up bank account information and pay it in full with a debit card. When I refuse they will call my cell phone back to back up to XXXX times a day and have even called my job leaving messages to call them at XXXX. I contacted the Ms Attorney General and filed a complaint they are a scam.

Company response to consumer: Closed
Consumer complaint received 2015-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I opened a Scottrade Bank account a while ago. Scottrade Bank closed the account without providing a proper explanation. I have requested an explanation from Scottrade but every time I call them they say they will only speak to customers and since my account is closed I am not a customer. 

I would warn others of this behavior, if you have any dispute with Scottrade, I would advise that you withdrawal all of your funds before brining it to the attention of Scottrade as it is likely Scottrade will place your money in limbo and not allow you access to it. 

Now Scottrade wo n't even respond to my complaints. If this is how a business treats customers, well, I will happily take my money elsewhere.

Company response to consumer: Closed
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
i have a rush card that i am unable to access. I have a few bills that are due today XXXX/XXXX/15 and i usually get my payment 2 day early. They are updating their systems and the customers are not able to get a hold of anyone. i am a single mom with XXXX kids and i have to take care of my household but unable to due to not able to access my rush card. THIS IS SO NOT FAIR, i have not had this problem in the past and have been using my card for about 6 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
RushCard ... Need I say more? No, not really, but I will. For 6 weeks now I have been told the same thing, that a system update is causing problems. No one has offered a credit per my inconvenience. And now I 'm being informed that the escalation department handling these inconveniences may or may not even exist. Rushcard has an escalation department but they will not be responding or calling customers about an expected resolution date. That was per a customer service reps own scripts. On the website, they still boast that with Rushcard, you get your money up to two days earlier. It 's been six weeks since the early direct deposit was last available to me, personally, so I feel it is false advertisement for Rushcard to still boast they can give new customers an early direct deposit when existing customers are not getting that paid for feature. I was even told that instead of offering overtime for the outsourced employees dealing with this fiasco, Rushcard is hiring new employees to help deal with the high call volume. So it was easier to hire new people to take calls than it was to hire professionals to fix or update said system issues. As I type this, I speak and proofread XXXX ( name changed to protect the identity of the now employed ). XXXX says that in the XXXX where she is located they do n't even offer Rushcards. So the employees hired to handle the situation dont even understand why it 's frustrating. I have had to change my online password several times since I keep getting locked out due to said system update. All in all after a year with RushCard, I do feel it 's been a bit of rushcard roulette.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
I disputed an amount from a collections agency called Gold Key Credit Inc. and they did n't inform XXXX and XXXX, the credit bureaus that they report to. Every time I pull up things on my XXXX I see this derogatory amount from them on there. I know I have put 'threatened to take legal action ', but so far they have n't but I know that they will in the future. It 's just what collection agencies do, on top of that, they never answer the phone when I want to discuss my case with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
I have not been able to access the funds on my rushcard for about a week. I also receive a direct deposit every other week and that deposit has not posted this week it was supposed to post today XX/XX/2015. I have tried to contact the rushcard customer service on a daily basis only to be lied to and hung up on I am asking for answer please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: AL

Complaint narrative:
Rushcard has not released my money for a whole week ... im having hardships and need my money asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Goldkey credit placed a collection on my record. They know full well it is not mine. I believe it may be my sons. My son is XXXX XXXX XXXX. I am not responsible for his debts. The collection company is trying to extort money from me or ruin my credit. How did they even get my ss number? They keep calling me on my cell phone. How can they ruin my credit like this?

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 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION
State: CA

Complaint narrative:
Cach LLC has contacted me repeadly to collect on a debt I do not owe, and they have not responded to my request for debt validation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NRA Group, LLC
State: NC

Complaint narrative:
I spoke to the company themselves and told them that it was not me. That someone else used my social and birthdate for their appointment. They said they messed up. It was removed from collections but it is still on my credit report. I have asked for it to be officially remove completely.

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 2016-01-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
This is a complaint in regards to the practice of Access Credit Management , Inc. in XXXX XXXX AR. First of all a default was put on my credit in 2008 but was not properly served. Secondly, it was served on a bill past the " Statue of Limitations '', as well as, the company sent me a statement with a balance of {$760.00} and would not take payment offer of {$450.00}, but proceeded to tell me only 9 days after statement that was sent, the new balance was over {$1400.00} and illegally said they would continue with the legal process. The company also contacted my employer representing Attorney XXXX XXXX 's office according to the caller ID and stated that to my employer which was an embarrassing and could have caused my job to be in jeopardy. This company is conducting practices that are unethical in several areas and consumers should be protected from these type of junk debt buying people, particular the employee XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
I was in prison ( for something that happened during an acknowledged mental break ) and my son was taken to the doctors months into my sentence. When I left he had insurance and everything for him was up to date. I get out 2 years after the hospital trip and I have an account in collections while piecing my life together.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, 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 USPS tracking. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
I set up an HSA ( Health Savings Account ) through XXXX and administered by BNY Mellon. After the accounts were set up a new $ XXXX/month fee was added to administer the account. This was NOT disclosed at time of setting up the account and I have no options. I am required to use this bank. This impacts XXXX HSA account holders forced to use this service through their employers and XXXX. {$2.00} is not a lot, but they are charging me to hold my money multiplied by hundreds of thousands more people. This looks like bait and switch and puts over $ XXXX per month into the hands of BNY Mellon for doing basically nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
comapny will not provide me verification and validation of debt yet continue to report this on my credit report. This debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Suttell, Hammer & White, P.S
State: OR

Complaint narrative:
I 'm being sued by XXXX XXXX for an outstanding debt they tell me I owe and I 've been unable to fight back. I am XXXX XXXX and I was ran over. I now have a judgement and lien on me because these lawyers won in court because I was n't represented. I am sick! Oregon Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
I had an alert on my credit report from a company I had never heard of, I looked up the company and called to find out there is a so called medical bill outstanding from 2010, which if it is in fact a real bill, it should not now be showing on my credit report after 6 years! I have never once received a notice of this bill as I have paid every medical bill off to date with no late notices. I do n't even have a notice or file number as they have never sent me anything! I do n't understand with HIPPA Laws, how my information can be handed over to some agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XXXX XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I no longer want to dispute this account because I am trying to get my insurance company to pay the bill and was told by XXXX at commonwealth that they will not remove the dispute comment until I pay the account in full. I also can not get XXXX to remove the comment because the creditor placed the comment. There are XXXX accounts that need the comment removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 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: Ability Recovery Services, LLC
State: CO

Complaint narrative:
XXXX keeps turning me into collections every year since 2012 for a bill i paid off in 2012. Every year I have to send the collectors and the original company my proof of payment. Every year they send me a letter of confirmation saying it was an error and they have corrected it ... but here we are again. I have more than enough evidence that I have paid that bill and I am tired of effortlessly trying to improve my credit score in hopes of a house and babies XXXX day, when XXXX keeps holding me back for nothing ... for a bill i have paid 4 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
My mortgage processor has severely limited my payment options as a result of their own internal error. This has made it very difficult to pay them resulting in additional fees due to delays they have introduced to the process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Our Mortgage Loan Servicing company Ditech has been illegally deducting fees that we do n't owe. We have tried since XXXX to get this issue resolved and continue to be given the run around. We have paid an additional {$44.00} each month for over a year for a home warranty. This payment has been included in our monthly mortgage payment and we have never been late nor missed a payment. Ditech took extra money from our escrow stating that they advanced payment on our behalf to the warranty company. This does not make any sense because we pay the warranty every month and there was no need for them to charge additional fees along with our regular monthly payment. Ditech has received many complaints concerning this practice. They have numerous lawsuits against them as formerly Greentree Servicing. They continue to do the same practices under the new name of Ditech. We have spent countless hours on the phone to no avail. We have never been late paying our mortgage in the 12 years we have lived in this house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
I had an emergency and went to the ER at XXXX XXXX XXXX Hospital I was there for a XXXX hour Paid all the doctors etc that I got bills from.. around XXXX different ones. Only seen XXXX ... Got a bill for over {$2600.00} Plus XXXX in doctor bills ..Started paying {$50.00} dollars a month and requested a Itemized bill. Did not get XXXX ... waited 2 weeks ..requested another ..did not get XXXX ... waited 2 weeks and called and spoke to the hospital told them I needed a Itemized bill. Was told I could not get XXXX due to a new Computer system and that they would send XXXX out asap. continued to pay {$50.00} a month.. Waited XXXX more months and continued to pay the {$50.00} dollars. I stopped receiving bills from the XXXX so I called and asked Why..Again the answer was the computer system was new and not to worry about it and that they would contact me when everything was back to normal ... .Then I receive a letter from Meades & Associated saying I was in collections. They demanded full payment ... I told them what happened and I got will send you a Itemized statement ... but you need to pay Immediately XXXX dollars now .. I refused .. and stop Paying ... I tried to reason with them .... again never got an Itemized bill of what I supposedly owed. From my understanding that They can not bill me without an Itemized bill.. Also I was paying monthly and it should have never went to collections in the first place ... Would you pay if you did not know what you were paying for? They broke the FCRA and should have to remove this collection Immediately. They want to send me an Itemized bill now? No it should have not went to collections.. I paid what I could.

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