vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: DriveTime
State: FL

Complaint narrative:
Had a car repo in ( i think 2007 ) drive time called my brother in law told him there was a warrant for my arrest. Called me with this info, i returned call and it was a bill collecter. I advised i am on ssi XXXX. Collecter said if i dont pay by tomorrow they will take me to court and garnish my ssi.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 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: Brennan & Clark, Ltd., LLC
State: DC

Complaint narrative:
XXXX XXXX auto-renewed a policy I cancelled, and stop payment on, then sent me to a very hostile and aggressive collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Hillcrest Davidson & Associates
State: AL

Complaint narrative:
On XXXX XXXX, 2016 after a long day at work, I received a notice in the mail from ( Hillcrest Davidson & Associates, XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) ( phone # XXXX ) a debt collection notice, I was unaware of this bill so I made a phone call and a person on the phone name ( XXXX ) this took place around XXXXXXXXXXXX, after he told me the bill was from ADT I recall having the alarm system put in. I continue to tell him the bad experience we had with XXXX, and I also mention that it is noway that I could pay this amount of {$1300.00} I asked him was it anything that could be done to resolve this, because my husband had XXXX back in XXXX and has been out of work for a long period of time and we had just XXXX income coming. He began to go and tell me with what he was reviewing my credit that I had money to pay it, because of the credit cards I got, I told him I did n't know what he was talking about, and continue to tell me my history with XXXX at this time I was getting a little furious with him. During the conversation he made a statement which I took very personal and for him to be a customer representative on the company behalf it was very unprofessional. He stated that, " people like you need to pay your bills '', and " we all know what its call for people like you that do n't want to pay your bills '' as I can recall this " section 1692D '' ( 2 ) prohibits the use of obscene, profane, or abusive language. Abusive language includes religious slurs, profanity, obscenity, calling the consumer a liar or a deadbeat, and the use of racial or sexual epithets. Which I took very personal and offensive. 
It 's nothing wrong with being contacted regarding a debt you owe. But to be so rude, I ask numerous of time, are you sure this phone call is being recorded. There should be a recording of this I would like to formely file a complaint against this person because he has no right to express his personal opinions and to be make racial remarks stating " YOU PEOPLE '' totally unfair in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
This debt does not belong to me.

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 2015-12-17 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: GOLD KEY CREDIT, INC.
State: OH

Complaint narrative:
Continued phone calls with refusal to tell me what it is about. They say they sent me letters, but I never received any. I have no idea what creditor or debt they are talking about. They ask if I am XXXX and I say yes, they then ask me to verify personal information ... .my birth date, address, etc. I refuse to give out personal info to a complete stranger who calls me over the phone. I ask them to send me something in writing and they refuse ... ... they say " so your telling me your refusing to comply? I say " how do I know this is not a scam and your just trying to gather my personal info? '' They say " since you are refusing to comply, the phone calls will continue '' and then they hang up on 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 2015-10-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
My situation is solely related to the XXXX XXXX Rush Card glitch. For almost a week now I have either not been able to access my account and or funds I have loaded funds to my account that have not posted to my account there has been funds taken out of my account without my permission for almost three days my balance said zero when I definitely had sufficient funds I have sent several emails tweets called several time only to be disconnected if this was any other prepaid card without a celebrity at its head this would be considered fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SQUARETWO FINANCIAL CORPORATION
State: WA

Complaint narrative:
Back in 2008 we had to get a loan to pay for our vehicle to get fixed, an so went foolishly with one of those high interest XXXX loans. I defaulted on that loan. Now, CACH LLC has placed a levy against me for that old debt, and if it goes through me and my family will have nothing to live on.

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 2015-10-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: MD

Complaint narrative:
I 've been a client of Rush card for 5 years and now I 'm having major issues. ... .I 'm not able to axcess my money and customer service has no idea when this problem will be fixed ... I have direct deposit and I 'm taking a trip Thursday. ..with no money how am I able to go on a vacation I 've already paid for as well as my entire paycheck gone ... .I have n't been able to get a clear answer to my questions and this is not acceptable. ... many ofb th heir clients are going through yhe same thing. If I ca n't axcess my paycheck Thursday I will need f u ll compensation for my troubles asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
Rush card have cause my bills to be turned off it 's showing I have no money when I do they wo n't talk to u put u on hold for hours XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: KS

Complaint narrative:
I recently checked my credit report and found that I had an account in collections that I did not recognize. I looked into the company that the debt was owed to and did not recall ever doing business with them. After seeing this, I looked further into this company and came across multiple complaints about this company falsifying amounts owed to the company from customers. A vast amount of people had complaints about this because, unbeknown to their knowledge, they were having the accounts sent to collections, which in return, was affecting their credit score. I have never been contacted in anyway about this debt by neither the company or the debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Fees — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
Rush card was under maintance Monday XXXX XXXX,2015 from XXXX to XXXX, as of today Tuesday XXXX XXXX,2015, I ca n't access my account, my card is being declined, phones to rush are busy and hanging. I have XXXX children at with, expecting another and I need my funds now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: ID

Complaint narrative:
Rushcard..A supposed update that was to be completed in XXXX hours has left me and many other customers with XXXX access to or funds and deposits. I am being evicted because of this and still do n't have money to move or feed my family even. I want my money and compensating in the form of first months rent and deposit on a place to live and some groceries!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SQUARETWO FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was turned down for a loan, because my credit report shows a collection filed by CACH LLC, Showing XXXX ITS A as the original creditor. It shows the account opened XX/XX/XXXX. I have never had an account with XXXX and have been unable to speak to anyone at CACH Regarding this account, because I am put on hold for inordinate amounts of time, and never get to speak to a live person. Its interesting to me that an account could even have been open with XXXX Bank XX/XX/XXXX, considering that XXXX stopped operations XX/XX/XXXX. I can not get live person by phone to verify the debt with CACH LLC, and XXXX Bank tells me they do not have access to the records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-25 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: TN

Complaint narrative:
I have been a costumer with Rushcard since 2008, no problems at all. Until they did this system update. My balance on my account is wrong, I have called emailed no response back, until the other day I called from a different line and I waited on hold for a minute and then the lady proceeds to tell me that they do n't know when the issue will be fixed, that they are working on it. You have been working on it for almost 2 weeks. Luckily I was n't late on any bills like others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
I have been receiving frequent calls from CommonWealth Financial Systems. Though initially I was unsure of who the caller was because I typically do not answer unknown numbers, one evening I decided to call back in an effort to halt future calls. Once on the phone with someone, they immediately informed me of a medical debt from 2012 that was never paid. I knew this was true, so when they offered me a price to close my debt out at, I agreed. I also requested a confirmation letter so I could have proof of closing out my debt, to which the lady I was speaking with agreed to provide for me. However, instead of sending me confirmation, she sent me an additional bill regarding other accounts I have with them. The problem is that I was led to believe that the large payment I made over the phone was going to close out my debt to them entirely, now they are telling me I still owe them. I never received a confirmation letter in the mail listing the payment I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
The system had some type of clitch and left me with no access to my account or money. Because of the problem I have lost my apartment because I could n't pay my rent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
SINCE XXXX XXXX EST XXXX XXXX Rush card customers ca n't access their funds via atm. They ca n't make store/online purchases. Customer service XXXX number no longer works. Website & mobile app is XXXX for current customers to access accounts. Those who can access their account balances are incorrect & direct deposits are n't reflecting in accounts. People are stranded. They ca n't get to work school or health care. They ca n't buy food or prescriptions. They ca n't pay rent or utilities!!! WE NEED HELP!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: NC

Complaint narrative:
I do not owe debts. Bills are paid timely. Keep getting robo calls on answering machine from XXXX stating it is debt collector. Must be continuing scam. I do not return the calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade XXXX have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade XXXX account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade XXXX but was not supplied with an original account agreement. I signed up for the accounts in XXXX, however, Scottrade Bank and Scottrade XXXX provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade XXXX use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade XXXX provide me with the corresponding and original XXXX version of the sign contract and not a XXXX version that is materially different.

Company response to consumer: Closed
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have been working with my mortgage company to modify my current loan. I have recently received a discharge for bankruptcy which I excluded the home from. I have been working with one individual through the process and was behind 3 months of payments ( due in part to the mortgage company changing from Greentree to Ditech as well as Bankrupcy proceedings, In short my direct deposits were canceled by the mortgage company and I did not notice it right away ). 
I have tried multiple times over the past couple months to contact XXXX from Ditech to come to a resolution and have not been able to reach him in person, I have left a number of messages on his voicemail and with his coworkers who are not willing to discuss any part of the loan other then take a payment. 
The last time I spoke with XXXX was regarding a loan modification packet that he was sending me. a few days later I received a packet from Ditech but it did not contain the information that XXXX mentioned and I have not been able to contact him since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 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: SQUARETWO FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had an Personal line of credit account with my stepdad ( XXXX XXXX ) through XXXX XXXX XXXX. Unfortunately, we fell behind and the account went to collections. ( We acknowledge it fell behind ). The account was then sold to the Law Office of David Sean Dufek and in XXXX XXXX, XXXX through XXXX XXXX, XXXX paid a total of {$2200.00}. I spoke to collector named XXXX XXXX who set up a settlement with that office for {$.00}. I also spoke to a supervisor named XXXX after I discovered this same collector had authorized payments on my bank account ( with checks that I did NOT authorize ) and this supervisor XXXX assured me that the debt would be settled out WITH NO MORE PAYMENTS DUE. He said " At this point, we will just settle this out '' and returned the {$200.00} that was unauthorized from my account. If the account was not settled out, WHY would they authorize the return of my funds? I ask that you pull the conversation of phone calls that detail this. 

At this time, I have been notified by the Law Firm of XXXX XXXX ( phone number XXXX ) that they bought the debt and are requesting I settle pay a balance of {$2900.00}. I have spoken to a supervisor named XXXX ( on XXXX/XXXX/XXXX ) who even acknowledges in the conversation i had with her based on the review of notes " I do n't understand why they did n't just settle this out ''. 

I do n't understand how a debt i settled with the attorney 's office can be now owned by a different office when i clearly paid it in full PER that attorney 's office.There is clearly deceptive practices for predatory collection here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
I have been communicating with this collection agency about a debt that does not belong to me. After following up with phone calls and letter correspondence, i have yet to receive a reply. I am asking that this dept to be removed from my credit report immediately and for Ability Recovery Services to provide proof that the dept is removed. I am willing and ready to pursue legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC
State: DE

Complaint narrative:
This company keeps calling my phone using a auto-dialer which is against federal law and when you pick up they hang up. This has happened numerous times, and I have record that these people keep calling. I am tired of the harassment and repeated calls from auto-dialer with this company. When you call back, they always say its a mechanical issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 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: ID

Complaint narrative:
The company of " common wealth '' phone number ( XXXX ) XXXX, stated I was being sued for a debt from 2009. This debt is no longer on my credit report. When I asked about this, he stated that the debt collection has been reopened and that I would be taken to XXXX courthouse. There is no courthouse in XXXX. He told me I had XXXX hours to agree to a payment otherwise my {$1300.00} debt would turn into {$5000.00} debt and they would garnish wages among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
There are several accounts on my credit report that arent mine. I did not open those accounts and I would like verification of these claims

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
Navient was sold my loans from XXXX XXXX about a year or so ago. These loans have been based off a credit score XXXX2006. I graduated XXXX in 2006. They do not offer any programs to help me lower my rate. The only program they have is based off my income and XXXX of my co-signers income. The only way I would be able to get relief is if i decide to not pay them for XXXX4 months, destroy my credit and then finally get some help. They are variable rate loans, and with prime rate going up again the rate/payment will continue to increase and there is nothing I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
i am getting phone calls saying if I do n't pay I will go to jail I ask to stop calling and it keeps happening everday

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit One LLC
State: MD

Complaint narrative:
I never owed this company nor did I sign anything for them to try to collect this debt. This company creditone llc is reporting a debt that another company has reported thus doubling the amount that is being reported on my credit report causing it to drop my score and create financial hardship.

Company response to consumer: Closed with explanation