vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc.
State: TN

Complaint narrative:
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.

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 2016-10-05 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: CA

Complaint narrative:
COMMONWEALTH FINANCIAL XXXX I am sending this letter to you in response to your reporting of an account to my credit report. To my knowledge, I have never been notified that I owe you a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I request proof that I am the party which has a binding obligation to pay this debt and only by providing the following documents will legal validation be satisfied under the law. 

Complete balance and payment history, if any, to show amount sought is accurate ; the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX. 
Agreement bearing my signature where I promised to pay you or another creditor the alleged debt. 
The agreement granting you the authority to collect on this alleged debt and if purchased, proof of the amount you paid for the debt. ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ) - ( Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. ) Provide proof of XXXX delinquency and last payment date to original creditor, if any.I know my rights. I know that upon this notice you are required to cease all collection activity until complete validation is provided in writing. I know you must cease all phone calls to me whatsoever and may only communicate in writing to provide me complete validation or to notify me that you are closing the account and cancelling your collection efforts. I remind you that many courts have ruled ( XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT, XXXX, to name only XXXX ) that the reporting of a collection account to a credit reporting agency is also collection activity and therefore, since you have reported it you must have it deleted from my credit report. Simply placing an " in dispute '' statement to the credit report violates my rights under law. I would suggest you check with your legal department regarding this as I intend to hold you accountable should my rights be violated any further. 

It is my intention to enter into good faith negotiations to settle the debt in question only when and if proper validation is provided. I look forward to a speedy resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
Ray Klein dba Professional Credit Service filed lawsuit in the XXXX XXXX of the State of Oregon for the County of XXXX case # XXXX for medical debts at XXXX XXXX XXXX in XXXX XXXX, OR for emergency room services performed on dates between XX/XX/XXXX and XX/XX/XXXX all of which was well beyond the State of Oregon XXXX year statute of limitation on debt collection. Also claimed principal in the amount of {$4700.00} and interest at 18 % per annum ( double the Oregon allowed 9 % ) totalling {$12000.00} for a total of {$17000.00}. This amount was utilized in the lawsuit to also put the total claim out of the range of small claims court to civil court when the plaintiff was further suing for collectable debt totalling {$2400.00} ( {$1.00} short of the {$2500.00} threshold to be civil versus small claims ). They are knowingly attempting to collect on too old debt, and utilizing that debt to move the case to a higher court that requires higher filing fees for defendant response. They also knowingly provided in the served copy of the suit incorrect filing instructions directing me to the XXXX XXXX XXXX XXXX. They also knowingly included instructions for response to a small claim when they filed in civil court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
Commonwealth Financial of XXXX Georgia purchased this debt from the original creditor, XXXX, and entered duplicate information on my credit report for a debt that already existed on my credit report as a mark against me as though it is a new report on my existing account. The original debt Is 4 years old! Not to mention the emergency room XXXX ordered a XXXX exam when I entered the ER for XXXX! I told the ER XXXX there was nothing wrong with my XXXX and he ordered it any way! They keep renewing the information as if it is brand new thrwarting any opportunity for the debt to fall off after the amount of years of liability expires. This is unfair credit reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 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:
This debt is not mine and has previously been removed from my XXXX Credit report. This company " Commonwealth Financial Systems " continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report # XXXX, but XXXX stated it was verified by Commonwealth Financial Systems to be mine, but both companies Commonwealth Financial Systems and XXXX have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. Commonwealth Financial Systems need to be held accountable for their false reporting of collection accounts. I am requesting Commonwealth Financial Systems provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When Commonwealth Financial Systems fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with Equifax on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If Commonwealth Financial Systems denies this I can download proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and Commonwealth Financial Systems needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all three of my credit files where it is listed XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 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: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
I woke up this morning with a credit alert in my email. The alert was from XXXX about an account by Ability Recovery Services. The original debt supposedly was from XXXX XXXX. They are claiming I owe {$1200.00} from classes? I dealt with these people years back, before 2012. I had cancelled the program. Now they contact me 5 or more years later and just listed this on my credit report. Its interesting to note that this is the first time I have ever heard of this. I would like to see proof of my original signature and other information to prove this debt is mine. Like I said, years ago I had contacted them about a program, but cancelled it because credits would not transfer to a state university. I was XXXX with a XXXX XXXX in 2012, and know I would have not signed up for a school program. Half the time, a can not even see to read books and other information. XXXX XXXX was also involved in a class action lawsuit for deceptive and misleading conduct. Maybe the governement should look into the relationship between Ability Recovery and XXXX XXXX. I think they are trying to scam people. Do the research, it is all over the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D2 Management LLC
State: OK

Complaint narrative:
We have had d2 management call twice and attempt to collect debt from my wife that she has never had. The company claims the credit card was started through a XXXX XXXX XXXX, a XXXX card they stated was opened on XX/XX/XXXX and closed the following year, claiming " she made payments on the account from her bank ''. The first call stated she owed {$550.00}. Thinking this was from a recent store card she had opened in XX/XX/XXXX, she called the store credit card directly and verified that there was no balance on the card ( this is the first credit card she has ever opened, only ever having a debit card ). She called the collection agency back. When she refused to set up a payment plan, she was connected to the manager who stated she owed {$350.00}. They listed off her previous residence, gave her maiden name, and the manager even listed off her social security number in full, without verification, to me ( her husband ). They made statements that credit cards do n't always report to credit reports or that it might not show up on a credit report since it had been 8 years. They were adamant that there was no possible fraud involved on the account. They were each extremely pushy and would not listen to what we said, would not reveal their client ( seeing as this bank was bought out by XXXX XXXX and no longer exists ), said only that they were a collection agency and insisted that my wife had opened this account. She has never been contacted by XXXX XXXX. This is the first time we have heard anything on this " debt ''. We have checked credit scores multiple times in the past eight years and have not seen any sign of fault or no payment pertaining to any credit card. They were threatening that they would report us to the IRS as a XXXX unreported income. No current information was provided by my wife or myself to the debt collection agency on either of these calls as to current address, last name, or any bank account information. They called from ( XXXX ) XXXX which is a XXXX area code but stated they were calling from XXXX, that the local number was for phone numbers that do not have long distance service or only have a pay-as-you-go phone. They stated multiple times the legal disclaimer that they were seeking to collect on debt and that anything we said could be used to that means, that everything we said would be recorded for customer service and training purposes even using this to keep us from speaking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
This is a fake credit company. I have done research on this company, but they somehow managed to get into my credit report and illegal XXXX with my credit report, beinging my fico score down. Stating that i owe them money. Bogus if you ask 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 2015-09-22 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: NY

Complaint narrative:
Northest Collections Agency XXXX. They have the wrong phone number, I have repeatedly asked them " nicely '' to stop calling to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
i have a prepaid rush card and is having promblem with my money been poster on my card have call rush card but there calls or high and ca n't get there to talk to anyone and this problem stared on XXXX/XXXX/2015 and i am not the only one having this problem with rush card everybody that use ruch card is too

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: WI

Complaint narrative:
Tuesday is the day I get paid early. But Thursday is my original pay date. It 's now Saturday XXXX XXXX 2015 and my account balance is still XXXX. I have no money to feed my family no gas to get to work nothing. This has become a problem and now my bills are due and I have no resources to turn to. I have the only income in my household and my family relays on my money. Rush card has made this time very hard and I need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
I filed XXXX disputes with Rushcard aka UniRush LLCThis on XXXX XXXX, 2015. I was told that it would it could take 45-90 days to see the money. I called back in XXXX and was informed that I had to wait an extra 30 days making it 120 days to wait. Today XXXX/XXXX/2015 I have yet to get my money back. I have been calling the company for 3 weeks now. Today XXXX/XXXX/2015 I called and was been hung up XXXX times by representatives and Account specialist. I called today at XXXX and held for an hour. Then I speak with the Account specialist and give the dispute XXXX #. She tells me that she is n't going to put me on hold just on mute. Then she puts me on hold and never came back and the call disconnected at XXXX today. 
This is crazy waiting 120 days and still no money. Being hung up on and receiving emails saying the situation has been resolved. Which is clearly a lie not true. I do not desire to be treated this way pertaining to my money. All this for just {$35.00}.

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: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
I was advised by rushcard of an update on XX/XX/XXXX between XXXX and XXXX XXXX. At XXXX XXXX that day i got an email stating it was taking longer than expected but would be up at XXXX. At that time, i was able to use my card, however my balance was not updating. my direct deposit was scheduled to hit both tuesday and wednesday, my balance still does not reflect that. i have no money to pay my rent, or feed my daughter. i need my money ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
My complaint is against Rushcard, my funds were held up for 6 days because of there system updates. When I did n't get my deposit on XXXX as I normally would get 2 days earlier than my pay day XXXX, I started placing calls to them, then was told would get funds on the original pay day due to system upgrade which would have been XXXX still no funds on that day I kept calling and holding for over XXXX minutes each time to be told they can ' provide me my account information because the systemwas n't work, I placed several calls a day to the company between XXXX, i finally spoke with a lady on XXXX who got my funds released on XXXX this was the worst experience ever with this company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: AZ

Complaint narrative:
The prepaid card was redoing the system and while it was doing that, customers didnt get their direct deposits as normally scheduled. I wasnt able to speak with a customer service representative nor was I able to logon to my account. I received my deposit and used it, seemed a lot more than it should have been, I attempted to contact them and still couldnt get through to a representative. I now check had to redo my online account with a new password and when I was able to logon I see that they had depsoited my funds twice. Now, I had a payment plan on a bill that due to the deposit not hitting my water was shut off and I had to pay the full balance instead of the payment arrangement. I now see that they are trying to reverse my car payment that posted XXXX/XXXX/2015. I attempted to call 4 times right now which is my lunch break at work and it just rings and after the XXXX ring it hangs up on me. I have been a customer for over 3 years and I am not liking how things have been lately. I have been through on unauthorized transactions and taking forever to get those reversed and other things, but I cant deal with reversing my car payment. I will seach legal counsel since it seems like there are attorneys that are working on suing them due to the system being down and unable to speak with a representative nor able to access funds on dates that they are always available on. I didnt put the funds in my account twice and neither did my banking institution. I didnt use all of the funds that were in my account, due my unknowing where they came from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
Have not be able to access direct deposits in more then 14 days customer service rep claim that they do n't have access to members account and will not be able to assist you and are taking your number down. This all started two weeks ago with a system update that was only suppose to take two days. I have had a account with rushcard since XXXX this is total unacceptable. I have been working for free this past week I have no way to buy for get to work pay bills or take care of my kids.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: TN

Complaint narrative:
CACH , LLC is on my credit report as the collector for XXXX. I, at XXXX time, had an XXXX credit card. I did a balance transfer in XXXX of my XXXX account balance to my XXXX XXXX XXXX Credit Card to take advantage of a lower interest rate promotion. The XXXX credit card was closed with this transaction. I closed my XXXX XXXX XXXX credit card account in XXXX after I started to experience financial difficulties, but continued to pay the debt to XXXX until I could no longer do so. I stopped paying XXXX XXXX XXXX in XXXX or XXXX. XXXX XXXX XXXX this past XXXX did a charge-back and sent me a XXXX Statement of Income that I had to file on my XXXX Federal Income Tax Return and claim over {$14000.00} of bad debt ordinary income. This was added to my retirement benefit payments income and left me with a tax bill that I have no choice but to pay in monthly installments. When I pulled my credit reports in XXXX and saw the CACH , LLC collection for XXXX I saw the error. Record of my XXXX balance transfer must have been made available in the post-merger XXXX XXXX XXXX files, sometime after XXXX merger of the banks. I do n't owe any money to XXXX. XXXX XXXX XXXX paid them off in XXXX ( or maybe XXXX ), over 10 years ago. I have had no dealings with XXXX for over a decade. I 'm paying whatever portion of the XXXX XXXX XXXX credit card balance used to hype my XXXX personal income, if any remains from the XXXX balance transfer and close of the XXXX credit card account, in monthly installments to IRS. At best this collection account is too old and XXXX stated mistakenly as the original creditor, so it would appear to be a separate debt from the XXXX XXXX XXXX credit card charge-back. CACH , LLC on behalf of XXXX appears to be using old, settled debt to pressure me into paying them money not owed by 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 non-monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
To whom this may concern, In 2013, my Scottrade account was hacked and over XXXX USD of fraudulent ACH transfers were initiated via the account. The attached shows the corresponding XXXX XXXX XXXX statements which shows Scottrade withdrawing XXXX of dollars from my account.

Company response to consumer: Closed
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: MA

Complaint narrative:
NO ONE CAN ACCESS THEIR MONEY. Customer service hangs up on you once you have waited an hour or more to get to them. People are losing their homes, jobs, cant eat, or pay rent. This is a disaster. UNIRUSH LLC/ RUSH CARD is by far the WORST EVER. FOLKS ' MONEY IS MISSING.

Company response to consumer: Closed with monetary relief