vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-12 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:
i was notified by my credit monitoring service that there was a new collection on my credit report. I reviewed my credit report and found that it contained a collection from Commonwealth Financial. At this point, i had not received any phone calls or letters by US mail. I looked up the company on the internet to obtain there phone number. I contacted the company and spoke with a representative and was informed that I owed a hospital bill from XX/XX/XXXX from XXXX hospital. I asked them why I had not received anything in writing about this and they said they would send me a validation letter. I then filed a letter with Commonwealth Financial stating that they needed to send me validation of the debt from the original creditor showing the itemized bill. this was on XX/XX/XXXX. I have since been harassed by them by phone and have requested that all collections be stopped against me due to the dispute. They have failed to report to XXXX, XXXX and XXXX that this debt is being disputed by me. I have also emailed them a letter from the original creditor, XXXX hospital, stating that i have a XXXX balance with them. I have on numerous occasions tried to contact them on the status of this dispute and have got the run a round about it. I have requested that they remove all information from the credit bureaus while this is being investigated and they refuse to do so. they told me they have 30 days to validate the debt but have failed to do so as of yet. This company is clearly violating FCRA laws by not informing the XXXX credit bureaus that this account is in dispute. XXXX XXXX with Commonwealth Financial will not respond to my phone calls. He is the person that is supposedly handling my account with them. i would like this removed from my credit report immediately or legal action against this company will be taken on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
Debt collector threatened to sue me over time barred debt. When I told them this threat was illegal they told me it was not. They said they were an attorney who bought this debt & they would be serving me in the next few days with a lawsuit over this time barred debt. After hanging up with them they immediately called me back to threaten & harass me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 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: FL

Complaint narrative:
Was notified by credit monitoring service that a collection had been placed on my report, the phone # listed was to a completely different collection company that said they had no idea who I was and DID NOT have an open collection in my name. Upon further investigation and a Google search I found that Commonwealth Financial Systems was the one behind it. I called them and they informed me that it was a debt from 2010 that was purchased by them in an attempt to collect it. The debt in question never belonged to me to begin with and was disputed and deleted as unverifiable several years ago, Commonwealth has changed the amount slightly to make it appear as if its a new debt and placed it on my credit with no prior notice or contact before doing so. After another Goggle search on Commonwealth it appears that they are notorious for illegal and unfair collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
The Bank of New York Mellon offers a Heath Savings Account. On their website they provide Electronic Funds Transfer to make deposits into the HSA account electronically from your bank or credit union. I made an EFT deposit into my HSA using the Bank of New York Mellon HSA website on XXXX XXXX, 2015. My personal bank account was debited on XXXX XXXX, 2015 for the amount. As of today, XXXX XXXX, 2015, my HSA Account at the Bank of New York Mellon does not reflect the EFT deposit despite the fact that they have had the funds for XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I filed a report and a 90 day fraud alert with the reporting credit bureau to notify them of a fraudulent medical collection reporting on my credit report. I then reached out to the debt collector and the medical facility who let me know this was a bill for a medical service performed on XX/XX/2014 in XXXX, Ok. I lived in XXXX Oklahoma at the time and never visited an Emergency room or even knew a patient by the name of XXXX whom they are stating the services were performed on. I notified them that this is fraudulent and I do not know this person or even where this facility is located. Apparently my stolen information was listed as the responsible party. I grew greatly concerned and am just trying to get this fraudulent information taken off my credit report because it impacts me personally and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth Financial whose address is XXXX XXXX XXXX, XXXX, Pa ... ... ... phone number XXXX picked up a disputed account from XXXX XXXX XXXX in the amount of XXXX and submitted it on my credit report as them being them being the creditor. They submitted the same account again listed under another creditor named NE CRDTCOL for the same amount of XXXX. They have the same account listed on my credit report under XXXX different names but they are XXXX and the same. Their real name is Commonwealth Financial. as I googled the phone number they continuously call me from and it is registered to Commonwealth Financial. The number they call from is XXXX. When I call that number back, I get a person who states his name but no financial greeting. They now have listed another account for XXXX XXXX XXXX which is the same as XXXX XXXX XXXX. NE CRDTCOL does not exist and is bogus for Commonwealth Financial. They are trying to collect a debt that was not owed. I paid my co-pay and my insurance policy states if the medical servicer charges more than what my insurance pays after I pay my co-pay, that amount has to be forfeited by the servicer. I consider these vultures who seek out debs that are 5 years old or older and try to collect on them as bottom of the pond scum suckers and I have no intention of paying them XXXX cent. I have been harassed by these people for years and have had enough especially now that as of XXXX XXXX, they submitted the same account against my credit. Guess the vultures forgot they had already submitted it in XXXX. I have printed my credit report and submitted it to an attorney proving what I am saying is true and I have the phone number stored in my cell phone showing that the real culprit in this scam is Commonwealth Financial and bogus name NE CRDTCOL. I am informing CFPB just to make you aware of this fraud on their part. I have also written to all credit reporting agencies to check the original debtors on the reports and submit them to me to t urn over to the attorney involved. I have had enough and was informed of steps to take against these debt collection agency agencies. This debt happened back in XXXX and is just now being placed on my credit report. The real issue is it was paid and my insurance company will have records as well as the original debtor. I intend to sue Commonwealth financial and this bogus name NECRDTCOL to the fullest extent of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: NV

Complaint narrative:
Hello, There are several items on my credit report that are fake and are listed multiple times, by a collection agency called NORTHEAST CREDIT & COLLECT. XX/XX/2010, my husband and I were hit by a XXXX. Our medical bills were paid in the settlement, yet this company continues to illegally place these false items on my credit report and list each fake charge multiple times, in order to destroy my credit. This is in violation of FCRA laws. 

They have never contacted me prior to submitting this false information to Equifax and have been unable to produce any evidence as to the validity of these multiple charges. 

XX/XX/2010, my husband and I were hit by a drunk driver, yet all of our medical bills were paid in the settlement, by XXXX XXXX XXXX XXXX XXXX. Our representing attorney was XXXX XXXX. 

These charges that our now showing up on my credit report however are completely fake, with made up numbers. Each month I dispute them and each month they fall off ( because they are not real charges ), but the collection agency retaliates by relisting each charge multiple times, in violation of FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
On XXXX/XXXX/16 at around XXXX i had a horrible customer service experience with employee, " XXXX XXXX '' at Ability Recovery Services. I have never been treated with such disrespect from a customer service representative, let alone another human being in my life. Upon inquiring about negotiating a loan payment, XXXX XXXX became irate, disrespectful, and extremely unprofessional. During our conversation he threatened that he was going to, " play with my credit '' and alluded to putting my account into bad standing. After asking XXXX XXXX to be transferred to a manager or a new representative at the very least, he aggressively replied, " this isn '' t XXXX XXXX, you ca n't always get what you want. '' As you can imagine the whole conversation has left me in disbelief at this point. I replied, " Excuse me '' And in an extremely XXXX disrespectful tone he replied, " you 're excused '' followed by him yelling that my account would be placed into bad standing and that i could n't always get what I wanted. After XXXX XXXX abruptly hung up on me i tried calling back several times in hopes of speaking with a new rep. only to be aggressively and unprofessionally met by XXXX XXXX. After asking to speak with a manager he yelled, " XXXX, you ca n't always get what you want!! There is no other manager, I am the manager of your account!! '' I am in absolute shock at how horribly I was treated and I am extremely disappointed in Ability Recovery Services. My experience has left me feeling XXXX, XXXX, and unsafe due to XXXX XXXX ' threats. I do not feel that XXXX XXXX is fit to have access to such sensitive and personal information. XXXX XXXX prejudice behavior towards me makes me fearful ; not only that he has all of my my personal information, but also that he has expressed intent to use it in a malicious manner. I am 100 % dissatisfied with my overall experience with Ability Recovery Services. As a result of the discriminatory behavior i have endured on behalf of, XXXX XXXX, I believe that I am owed compensation from Ability Recovery Services. How unfortunate that because of my gender, my ethnicity, and my " social class '' I had to endure discrimination when simply trying to pay my debt and better my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
After I filed a complaint against them ( Stuuell, Hammer & White ) again took me to court without inviting me to participate. According to my payroll dept, a courtr order allowing them to garnish me was signed on XX/XX/2015. I was ( again as usual ) not served. Additionally, I learned that I Shoud have been served with documentation inviting me to participate in the court process, again, this did not happen. This represents a pattren of abuse and fraud by this company that Must be haulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 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:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
I am a customer of Rush card. XXXX XXXX they updated their system and since that date I have had no access to my money. Today is the XXXX. I have lost my car insurance my lights were turned off and I am about to lose my home. Also my vehicle tag expires today. My whole family has been affected by this. I have XXXX children that now arein the dark. I have called customer service to only be hung up on or told they can not find my account. I have also been told my mom ey is on my card but still remain to get insufficient funds on receipts.

Company response to consumer: Closed with monetary relief
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: CO

Complaint narrative:
My check is directly deposited weekly on my card and for the last 2 weeks my account has been showing a XXXX balance even when i had funds on It already now tgey have suddenly disappeared on top of that my checks has been processed to it and im still not able ro access it. Everytime i call customer service i get hung up on or i get an automated system saying there at a high volume call and to try again later. I have bills that are now past due and charging me late fees due to this. I have my daughters birthday today that i cant even buy her a cake due to this matter this is unacceptable sad and frustrating..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: UBS BANK USA
State: CA

Complaint narrative:
I was charged {$150.00} for withdrawing my money from UBS. If I 'd known, I would never, ever put any money there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SQUARETWO FINANCIAL CORPORATION
State: TX

Complaint narrative:
Fraudulent XXXX XXXX XXXX account is reporting on my file. I have disputed this account several times with XXXX, and through CFPB- and they have responded that I need to dispute it with SquareTwo Financial- who currently holds the account even though XXXX is reporting it. I have reached out to this company several times and have not received a response within the state and federally mandated 30 calendar days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade froze my account without warning and will not allow me to talk to them. The story behind this is quite simple, after I complained about unauthorized access to my account Scottrade became hostile and would not process my requests for an internal review. 

Instead, Scottrade hired a law firm that threatened to sue me for " defamation '' in the event that I continuing complaining about my account problems. In return I asked Scottrade for my account contract and they refused to answer my questions and instead sent me a blank form stating that I have been harassing them. 

It seams that instead of dealing with customers problems, Scottrade chooses to cut-ties with their customers in order to boost this profit and avoid paying for support staff. I would respectfully submit that Scottrade should provide me, as a customer, with the original copy of the account contract and also work with me in a productive manner to review things such as fraudulent transactions, account security, and the returning of my funds.

Company response to consumer: Closed
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK
State: OH

Complaint narrative:
My dispute involves transactions from a XXXX. Money was deposited into an account with them using my debit card linked to my checking account. After receiving my money, XXXX closed my account and walked away. They stole my money. XXXX is a scam! I just want my $ XXXX back. I 'm not going to let this go!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
Rushcard did a system maintenance. While doing this maintenance I had a direct deposit go into my account that they wo n't release to me. The system has been down since XXXX/XXXX/15. I and others have not had access to our money before or after. Many of us like myself still after 9 days have no access to my money. You call the customer service line it hangs up on you. Or there is no answer while being on hold for hours at a time.

Company response to consumer: Closed with monetary relief
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: MT

Complaint narrative:
I was aware of that my account with Rush Card would be going through a system update on XXXX XXXX, 2015 from XXXX to XXXX. I new I would not have access to my funds during that time frame. It is now XXXX XXXX, 2015, XXXX and I still am unable to access any of my Money. I have called Rush Card Customer Service on multiple attempts to experience XXXX hours waiting times and never have been able to talk to any Rushcard Representative. I have sent XXXX emails so far to rushcard customer service about my account issue and I have got only XXXX response that my account could not be found and needed to send another email with more info so I could get assistance. I have sent that info and have yet heard back from rush card well over XXXX hrs now. My Account balance was at {$0.00} for sometime and now is showing the correct balance but my account is still in " pending activation status '' which I still ca n't access my money. I ordered a new card in hopes of being able to transfer funds to this new card but Rush card has deactivated the ability to transfer funds. It says an error has occurred and to contact customer service. This makes me think they do not want me to access my funds at all by blocking my card and ability to transfer my money. They are giving false info about accounts have full access now and only means of any info is there XXXX page. That leaves me in the dark on when or if a fix will occur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: FL

Complaint narrative:
I am a Drive Time customer. They have repeatedly called me as soon as your one day late. One call is enough. In this case I have a XXXX year old car that has taking {$5000.00} dollars in repair which the warranty does not seem to cover any thing that goes wrong with it. They make you get this warranty with no option to say no. So thats added to the price of the car.So to keep car on the road so I can get to work. I pay through the roof to get car fixed. Then I dont have the funds for the payment on time. So the calls keep coming from XXXX eastern time to XXXX eastern time. Unfortunately this is the second car I have had with them since 2008. They did the same thing with first car. I could not get traditional loan from A lenders. Basically forced in to this cycle of XXXX again.

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 2016-07-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SQUARETWO FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX bought a business debt from a company that I cosigned as a guarantor from XXXX XXXX XXXX. Since this was a business debt with a different organization other than myself, XXXX XXXX, it never appeared on XXXX XXXX personal credit record. 

XXXX XXXX realized that he would have to pay the debt because he had guaranteed the business debt agreed to a payment arrangement with CACH , LLC and has been paying with never a late payment the agreed upon amounts. 

CACH , LLC has twisted the reporting to the credit bureaus by saying that this debt is in collection when in fact it is not. Rather Cach , LLC bought the debt. 

This false reporting that the debt is in collections is wrong and it is not delinquent at all with Cach , LLC

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 non-monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
My direct deposit is showing as posted on my statement but I have a XXXX balance and when I called them the guy who was apparently XXXX said to me, I will send your account to the escalation department and your account will show the money in 1-2 business days

Company response to consumer: Closed with explanation