vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have asked ARS Account Resolution to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Debtor ARS-Account Resolution Service : Receipt of written notification of the debt had a date of XXXX/XXXX/2015. I called, plus submitted written requests for validation of debt on XXXX different occasion. These requests were not honor, due to either they were unable or unwilling to provide all necessary documents to support their claim. Due to their noncompliance of honoring my written request for sufficient supporting documentation, I could only assume that my records were correct and that this debt was already paid in full as my records indicated. I then proceed to mail and file a dispute with the XXXX major creditor bureaus regarding this issue. The credit bureaus did removed this debt from my credit reports at XXXX point, but ARS has now put the debt back onto my credit reports. I called XXXX today, XXXX regarding that the debt is back on my credit report once again, which they are re-filing the dispute again. XXXX had already placed in the comments, that I had disputed this debt. But it appears that they, ARS, are continiunally updating it monthly as not paid. In the mean time, there has not been any written correspondence and/or communication from them to me regarding this debt. But they have placed this unfounded debt back on my credit report. This appears, in my opinion, to be a form of stealth harassement and stalking, for if it was not for me checking my credit reports, I would not be aware that this debt had been placed on my reports. It is causing a financial hardship by the lowering of my credit score which would hinge me from getting a competetive interest rate on any type of a future loan. Please find previously correspondence attached. Any assistance you are able to provide in resolving this matter is most greatly appreciated. Again 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 2015-08-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA

Complaint narrative:
Hi, My name is XXXX XXXX and I have a an issue with Frederick J. Hannah and Associates where they alleged intimate clients to sign a statement to pay them money on a debt that they do not have the right to do so. Also, presenting false affidavit to the court and saying that they are representing XXXX XXXX credit company to collect money from me. Last year the attorney presented this information to the courts in XXXX XXXX and seek a judgement against me. On XXXX XXXX, 2015, I received a letter from them that they have filed a garnishment on my wages with the XXXX XXXX XXXX XXXX and my employer. The Case Number for the Garnishment is XXXX. I need help quickly as to what shall I do to keep them from garnishing my wages. I have seen so much information on the internet where they was lawsuit filed on them by CFPB due to the Hanna firm relies on deception and faulty evidence to drag consumers to court and collect XXXX of dollars. Also, Intimidating consumers with deceptive court filings in collection suits that are signed by attorney when in fact the lawsuits are the result of automated processes and the work of non-attorney staff, without any meaningful involvement of attorneys. I need something in writing to take to the courts that this law firm is not suppose to be collecting money from consumers like myself due to they are in violation of certain codes. My email address is : XXXXXXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX I spoke with XXXX XXXX with Southern manangement ( an apartment complex where I used to rent back in XXXX ). I called him because it is reported on my credit report that " consumer disputes ''. I am in the process to trying to get a mortgage and this dispute is hindering my efforts. I told XXXX XXXX that I had never been notified of this collection and that I had never disputed this issue, as I was not aware of it. He told me to send a request in writing asking them to remove the dispute, which I did on XXXX/XXXX/XXXX. I asked for a return letter from their company in 30 days, letting me know they had removed the disputed status. As of today, XXXX/XXXX/XXXX, I have not received a letter nor phone call from them and the dispute is still showing on my credit reports.

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 2015-12-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Unique Management Services, Inc
State: CA

Complaint narrative:
This item is being reported to all XXXX Credit Bureaus and I never had any type of account with XXXX XXXX Library yet Unique National Collections continue to attempt to collect the debt.

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 2016-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
VERY ABUSIVE caller, refuses to stop calling my phone, and the person they are looking for is NOT me. I have tried to ask, and asked for a manager, no response ... they are EXTREMELY abusive and threatening

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I attempted to deposit cash approximately {$100.00} into the at the BBVA branch at XXXX XXXX XXXX, XXXX, TX, XXXX on XXXX XXXX. The machine took the cash and then showed a screen that stated " We can not process your request. '' It did not then return my money, and I have not been credited for the deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-15 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: NCC Business Services, Inc.
State: FL

Complaint narrative:
I am not aware of this account that is on my report for an illegal eviction since the locks were changed before the eviction court proceedings took place and while the original notice was still in play.

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 2015-11-05 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Resources, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I received a copy of my XXXX credit report. I noticed XXXX collections from Collection Resources INC XXXX NM XXXX Phone : XXXX ( XXXX ) XXXX I called XXXX on numerous occasions and disputed these items, however they did not remove them. On XXXX XXXX, 2015 at approximately XXXX I called Collection Resources INC and spoke with XXXX and she stated I only have XXXX account with them. The account number is XXXX and stated that the other account was the same XXXX. The other account number is XXXX. The same debt is reporting on my credit report twice. XXXX informed me that the collection agency does not speak or communicate XXXX. When I spoke to XXXX they informed me to contact the collection agency. No one has given me a correct answer, and XXXX parties have failed to Validate these accounts. This account must be removed due to the fact its reporting twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I transferred $ XXXX into a online bank called BBVA Compass, because they promised me a rate of 1.10 %, after three months they knocked down my interest rate to .4 %, which I feel like was a scam to get my money into their account. So I called to transfer my money out and close my account. They told me I can not wire that much out of my account at one shot, the most I can transfer out is $ XXXX at a time and they charge a fee each time. They said I can go to a branch to get a bank check but they have no branches in NJ. They had no problem accepting my $ XXXX in one shot but now have a problem with me transferring it out. This bank sounds like a scam and I am very scared, Please help!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I bank with XXXX. They set up an electronic payment to make my mortgage payment to my lender. But they set up wrong information and sent the payment to Loan Care XXXX XXXX XXXX XXXX. I contacted them on XXXX XXXX, 2016 and got a ticket number. I called them on XXXX XXXX, 2016, and the money still had n't been refunded. I sent them all the paperwork from my bank proving that the money went out to them and they are still refusing to refund the money. I do not have any loan with them. Can you please help me?

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 2016-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc
State: VA

Complaint narrative:
United Consumers Inc Website Directions Collection Agencies I frequently get robo-calls from United Consumers , Inc. ( UCI ) asking if I 'm ( various first names ) XXXX and if so I push one button on the phone, and if not I push another button. The robot tells me I 'm not supposed to keep listening if I 'm not the intended XXXX. I have contacted UCI on two or three occasions to ask them to stop calling me, but to no avail. I do n't have any credit debt under collection. These calls are very annoying big net fishing expeditions which apparently are routinely used by UCI to contact everyone with the targeted last names throughout the region. 


UCI XXXX XXXX XXXX, XXXX, VA XXXX XXXX : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: GA

Complaint narrative:
Focus Receivables Management has been calling me every day for the past 8 months. When i answer half the time i get either a rude response and then they hang up, or they just hang up as soon as i answer. No matter what time i have called them back when they leave voicemails it never goes through or always goes to voicemail. I 'm to the point of worry every time the phone rings at this point, It 's harassment at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: FL

Complaint narrative:
XXXX, CHARGE MY ACCOUNT OFF BY CLOSING IT. CLOSED IN 60 DAYS LATE XXXX 2016, SEE CREDIT REPORT, SENT TO XXXX XXXX FOR PAYMENT. THEY SAW THE MISTAKE AND SENT IT BACK, XXXX SENT IT BACK TO THEM BECAUSE THEY WAS PAID. I TALKED TO THE XXXX XXXX SUPERVISOR, HE CLOSED MY ACCOUNT AND SENT IT BACK. BOTH AGENCIES REFUSED MY LAST PAYMENT AGREEMENT TO BECOME CURRENT XXXX, XXXX, XXXX, I WAS CURRENT PAID EVERY MONTH FROM XXXX TO XXXX XXXX WHEN THEY REFUSED MY PAYMENTS. NOW I WROTE TO XXXX TO RESOLVE MY ISSUES. BY FRAC LAW. THEY REFUSED TO RESPOND THEY NOW OWE ME AND MY DEBT IS TO BE O ACCORDING TO THE LAW WITH COMPENSATION DAMAGES TO BE PAID. PLEASE HELP, I WILL WAIT YOUR RESPONSE, I HAD AN AGREEMENT TO PAY WHAT WAS PAID, THE MINIMUM FOR 3 YEARS XXXX, IF I HAD A SHORT PAYMENT, WHY DID THEY TAKE MY MINIMUM PAYMENT AS WE AGREED EVERY MONTH. SAID NOTHING AND CLOSED MY ACCOUNT IN 60 DAYS LATE VIOLATING ALL KINDS OF LAWS. PLEASE HELP THANK YOU FOR YOUR TIME. they say i owe it, it was paid i think because i was told XXXX had to pay them for the debit! or XXXX had to pay them for XXXX. which make them guilty and i owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: URS Holding, LLC
State: MI

Complaint narrative:
Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with Enterprise Recovery Systems which began reporting on XXXX 2015, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XXXX. This debt is from XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to Enterprise Recovery system on XXXX if all debts were discharged on XXXX. Thus Enterprise Recovery Systems has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and enterprise recovery system and they are refusing to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: CA

Complaint narrative:
XXXX XXXX sent me to collections. I began paying the collection agency ( United recovery Systems in XXXX ) every month and when I did, I received a notification from XXXX XXXX via e-mail. They now do not send me statements anymore. When I call them to get my balance, they direct me to XXXX XXXX. When I call XXXX XXXX, they ca n't help me and tell me to call XXXX XXXX. I have never received any correspondence from XXXX XXXX. When I call the number that XXXX XXXX gave me for XXXX XXXX, they answer the phone, saying, " XXXX XXXX '' and say they are not Nationwide Credit. I need your help. I want to finish paying this bill and I want to resolve the credit reporting issues for this debt. How can I find out my balance and find out if I am paying the right company?

Company response to consumer: Closed
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: TN

Complaint narrative:
I do not know what the calls are about as they will not give me information about their call without requiring me to disclose personal information that I am unwilling to give. I receive XXXX5 calls a day from this company. I am on the " XXXX, but they just keep calling. When we ask who they are, they refuse to tell us. When we ask why they are calling, they require personal information to disclose why they are calling. So, they just call again two hours later. They secretary of our company spends hours each day dealing with this! Please make them stop these unscrupulous tactics. This has been going on for months! They call from Focus Receivables Management in XXXX, GA from the number XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: DE

Complaint narrative:
I was a discover card holder as of 2013. During my entire card membershipwith the company, I was never late with my monthly payments, always stayedunder my credit line, and never charged my credit card for any purposesother than making a legitimate purchase. 

This was my first credit card that established my credit history as of 2013. 
About XXXX weeks ago, without any warning and notice in advance, the companyclosed my account and thereby wiped out my 2 years of credit historyassociated with Discover card. I contacted the company and demanded for ananswer. Other than the excuse that " we are no longer able to meet yourservicing needs, '' the company never gave me a forthcoming response. 

Upon the discussion I had with other cardholders and information I learnedfrom the internet, I have a reasonable belief that the closing was XXXX a large number of cardholders with a particular racial and ethnicbackground ( more specifically, XXXX XXXX without a just ground. Ibelieve that CFPB is or will be getting more similar complaints in the nearfuture. 

I respectfully urge the CFPB to take this matter seriously and to look intothis case. We consumers are powerless to protect ourselves fromdiscriminatory actions like this. But if the closing was indeed motivatedby racial bias, the company 's action has to be put in an end. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I called on XXXX/XXXX/15 at approximately XXXX and spoke with Branch Manager XXXX XXXX and explained to her my concerns about my account being debited 7 days after a purchase. I explained to her that I had been into my local branch BMO XXXX XXXX and my issues are still unresolved, she stated that she would look into this and call be right back she never returned my phone until after I called her back almost 24 hours later ( what about to Customer Service and Integrity ) After speaking with her on the next day I was informed that BMO Harris system indicated that my actual physical card was swiped 6 days later in which it was not and then removed from my bank account 1 day later. I then explained that I could produce a receipt stating that BMO Harris system is incorrect due to the fact the my receipt shows a date of Friday XXXX XXXX, 2015 not XXXX XXXX, 2015. She informed that its basically what BMO HARRIS system states and not my receipt. I asked for a corporate phone number and or address and she was unable to provide me with this information. She stated that she only had an internal number no contact number that could assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Through out the month of XXXX I have had multiple issues with Discover Bank. I have had this bank for roughly two years and I never encountered so many issues with them like I have had in these recent past weeks. Discover Bank does not have any physical branches or services like deposit accepting ATM 's, they also do not offer any form of overdraft protection. Discover Bank does offer mobile deposit which they claim to be a convenient way to have deposits made quick and efficient to customers checking account. It is not so convenient as most items are not credited until one business day. I had contacted one bank official and asked if they could credit my account if I used an item such a cashier check ( which certifies the amounts mentioned on instrument ) Discover said they could credit the account as the instrument of deposit was certified, I would just have to inform a representative of the deposit and when it was made. I did that deposit for an amount of {$50.00} to avoid any negative balances, returned payments, and NSF charges. I also emailed them to inform them of the deposit so they could go ahead and credit my account and have everything corrected. I was emailed back by a representative at XXXX central time informing that they would not remove the hold on certified funds. Discover went ahead and returned XXXX ACH payments and XXXX draft payment because their was a negative balance. At the same time they had also place a hold on ACH deposits of {$250.00} the that would have covered the payments that were attempting to post on the checking account and the cashier check would have covered any other outstanding balances. Within the account summary in the online banking page of discover that the mentioned draft posted and cleared leaving a debit balance {$98.00}. I do not understand why discover put holds on my account for funds that certified and verifiable. Those actions by Discover have subsequently cause me to have had returned payment fees with my payees and have made stand out as customer that can not meet his obligations when that is not the case.

Company response to consumer: Closed with explanation