vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
They are calling my job my parents number and other family members telling them that a claim was issued aganist me and do they know of my where about using a robotic dialer. I have spoken with them and they refuse to give me any information in regards to what it is about unless I provide my ss number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: NC

Complaint narrative:
I disputed the information that it was incorrect. The company is reporting the same collection twice, for the same amount increasing the amount of the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 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: FL

Complaint narrative:
COMMONWEALTH FINANCIAL XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that COMMONWEALTH FINANCIAL or any company associate with this account # and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMMONWEALTH FINANCIALor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 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: OH

Complaint narrative:
This company calls our home XXXX times per day. The calls are rude, harassing and threatening! We have explained to them, we are XXXX citizens. We have no debt. We have no credits or anything. The only thing we pay each month is out electric, telephone, cable.We have called the number back, and asked for a manager. We spoke to a XXXX XXXX. She was extremely rude and nasty. 
This is the company : Commonwealth Financial Systems , Inc . 
XXXX XXXX XXXX. 
XXXX XXXX, PA XXXX : XXXX : XXXX are XXXX citizens. We do not deserve to be treated with such harassment and disrespect. 
Email : 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 2016-09-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Commonwealth Financial Systems, Inc.
State: KY

Complaint narrative:
My XXXX old mother received a phone call from this agency less than a week after my father was buried. The company representative scared my mother mentioning liens against her farm, credit reports, etc. My mother shared that this man 's tone and approach scared her and was very disturbing to her. I called the company and found this individual to be very callous. His lack of basic human decency is beyond pale. Trying to scare an XXXX XXXX XXXX widow out of {$500.00} ( contested debt that my father cleared with the company and yet could not get them to clear in " their systems '' ) is abhorrent. Our father and mother have always paid what they have owed- my father has only contested XXXX things in his life and stood on principle regarding companies trying to collect what is not fairly owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have requested proof of debt be sent to me and every since then this company continues to call me non stop. The are also in violation of the FCRA for not reporting this debt as disputed on my credit report. I DO NOT owe this debt. And this company still can not provide me proof. my social is XXXX date of birth XX/XX/XXXX. I will file a civil suit against your company if I have to so that my rights are protected as well as notify the media of your violations to see if any other consumers rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Creditors Specialty Service Inc
State: OR

Complaint narrative:
I received a telephone call today around XXXX on my cell phone asking for someone other than me. I explained they had the wrong number and then they stated that they just received my number and then said my name. This automatically put me into a panic because they originally had asked for someone else. They never once stated their business name only stating that they were attempting to arrange financial arrangements for a debt from XXXX in California in the amount of XXXX $ and wanted to see how i would go about paying for this today XXXX/XXXX/16 Or they were going to report this debt on my credit and ruin my credit if this was not paid. I told them I would call them back because I 'm not aware of this debt. I called XXXX at XXXX and a man answered the phone CCS. I wa put on hold and then transferred to a rude man by the name of XXXX who kept saying your name is on the paper so you are responsible. my credit is not great but I 'm working on that and I find this unfair and also illegal because no one has the right to threaten you to get you to pay a debt from over 3 years ago. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Do n't know who this Company is. In the past there were Companies in my Credit report that belonged to someone else, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAC Financial Corp
State: TN

Complaint narrative:
I recently viewed my credit report and noticed that this company has report that I owe them a debt.

Company response to consumer: Closed
Consumer complaint received 2016-07-24 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: SQUARETWO FINANCIAL CORPORATION
State: FL

Complaint narrative:
Cach LLC obtained this loan from XXXX. They sued me and were not able to recovery because the agreement was bound by arbitration. The judge dismissed the case. The note attached to the complaint was a form note with no amounts date or signature to validate the debt. Cach refuses to take this debt off my credit report

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: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: MD

Complaint narrative:
On XXXX/XXXX/2015, Rushcard scheduled system maintenance that would not allow me to access my funds or making any transactions between XXXX and XXXX. At approximately XXXX on XXXX/XXXX/2015, I was notified that the system updates were delayed but ATM transactions could be done. Since then I have not been able to access the funds in my account and have not received notification of the direct deposit I was supposed to receive today on XXXX/XXXX/2015. I have contacted customer service by phone at least 5 times. Two of those five times a representative told me that the issue would be resolved on the evening of XXXX/XXXX/2015. I have also contacted the company 's XXXX and XXXX, along with XXXX of other customers, to try to get answers. This is unfair and unacceptable, especially when I have a child to feed and bills to pay. Rushcard is seriously messing with the livelihood of its customers right now. I have gone over XXXX hours without being able to access my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
In XX/XX/2016 my husband and I were closing on a home equity line of credit with our credit union. They mentioned that there was a negative item on our credit report and that it appeared to be a medical billing. I asked for a copy of the credit report ( s ), they were unwilling to provide a copy but did say that the collection agency was Advantage Financial. 

During the closing, the credit union loan officer said she might try to contact the collection people to see what she could find out. I told her that I would get in touch with the collection agency myself. 

I was quite surprised when the credit union later advised that they had contacted the collection agency and had forwarded money out of my Heloc account to pay off XXXX items in collections -- XXXX for my husband and XXXX for me. I immediately contacted the credit union and told them they had no verbal or written authorization from me to make that payment and to reverse it, which they did. 

I would like an explanation from Advantage Financial as to : All information disclosed to the loan officer at my credit union ( for example, were the names of the creditors released? ). 
How did the loan officer find out about a collection item for me that does not appear on mine or my husband 's credit report? 
How did the credit union find out the exact amounts due including current interest amounts? 
What authorization did the credit union provided to Advantage Financial for them to disclose my personal information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 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: SQUARETWO FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as date and place this account was opened and information regarding the payment history as this account is unknown to me, i have no records of owning this account.

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 2015-10-31 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
I am a rush card memberOn XXXX XXXX, 2015 funds that were on my rush card disappeared! Due to a system issue with rush card my funds havent been available to me for close to a month now! Everytime I call rush cards customer service and ask about my money and where it is they hang up on me! I just want my money the money that I worked hard for and because of rush cards unprofessional business my gas and lights were shut off! Im not planning to file a lawsuit against this company because they will not release my money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15 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: Source Receivables Management LLC
State: KY

Complaint narrative:
I have a fraudulent account opened through XXXX. I have filled out the Fraud Paperwork several times and had the debt removed finally that was being pursued by " XXXX XXXX ''. The debt was removed and I check my Report this morning and now " Source Recievable Collections '' is placing this account on my report and attempting to collect. This is affecting my attempt to clean my credit and purchase a home!!! The XXXX Fraud department is denying the receiving of my fraud packet and continue to bounce this fraudulent debt from debt collector to debt collector. The account is not mine and the addresses associated with the account set up by XXXX are n't even remotely a address I have lived at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Reliable Credit Association, Inc.
State: FL

Complaint narrative:
There are repeated calls daily. They are requesting my social security number and address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I purchased a home in XXXX 2016. The home was a XXXX foreclosure in need of repair. After closing I spent in excess of {$10000.00} in repairs. I called my mortgage company Penny Mac to inquire about a new property assessment and removal of Mortgage insurance. They told me that this was not allowed with the type of loan I had. That I am required to pay PMI for the XXXX loan term or I could re-finance. I was not familiar with anyone reviewing these terms with me before. I asked for the loan documents with this particular disclosure be sent to me. Over a month later, I received the documents I requested. However, it is very apparent that the disclosures were " doctored '' altered/forged.

Company response to consumer: Closed with explanation
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: OH

Complaint narrative:
Rushcard has tied up XXXX $ since XXXX XXXX they charging me a double transaction at XXXX XXXX for XXXX atm withdrawal of XXXX plus atm fee. I contacted the atm company they assured me that it was only ine transaction on their end. XXXX XXXX owner of Rush card is claiming through social media the problems are being addressed he shut his customer service phone lines down for the first week now they answer but cant give any answers except system failure hundreds of thousands of people are affected and many states has air newscast about this. I just want my XXXX {$.00} .please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: IL

Complaint narrative:
My rush card was inactive for seven days.. I was expecting my pay check on Wednesday XXXX XXXX and did n't gain access to my funds until XXXX XXXX I called numerous times only to be hung up on. Whenever i did get someone on the line, they ran the same script saying they will call me back with information as it becomes available to them. I will no longer be banking with rush. They caused my light bill check to bounce ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-25 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: LA

Complaint narrative:
I have a pre-paid Rush card. I have had no access to my account for 12 days. The company said they updated their system and something went wrong. Customer service does n't help. A technical glitch is what their calling it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
Representative named XXXX called my cell phone without authorization failed properly identify right party and herself or company. The representative XXXX called my cell phone number without authorization on a predictive dialer and I incurred charges as a result. This is a violation of the FDCPA. In addition the rep failed to properly identify her self or the company or the right party. When I asked for her to provide the company name and her name she became very rude and unprofessional and terminated the call in the middle of the conversation. When I called back I asked to speak to supervisor whom was also reluctant to provide company name and his name, then he concluded by removing my phone number and ensured there would be no more calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
My check was Direct Deposit on XXXX/XXXX/15 .and I have yet to receive it.not not is answering the phone, and if the do your holding on for hours..RUSHCARD IS A SCAM ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Account Brokers Inc.
State: CO

Complaint narrative:
Bankruptcy filed in XXXX 2015. All creditors have removed from my report charges due to bankruptcy. EXCEPT for ACCOUNT BROKERS OF XXXX ( XXXX ) XXXX. They continue to RE-REPORT these bankruptcy charges to XXXX who Re-Investigates and Re-Reports them to my credit. Which STARTS THE CLOCK OVER, AND DESTROYS MY CREDIT. I have sent the letter verifying the bankruptcy from my lawyer and the date this was filed in court. They have received this letter NUMEROUS TIMES! Unfortunately, I had to file for bankruptcy for medical bills. I was hospitalized for 10 days - was fired for missing work, and they cancelled my insurance- I attend college Full-time and work XXXX jobs. This was not in my control. But when this reporting agency continues to RE-REPORT the same charges, I will never be allowed to move on from this. 
Also XXXX from Account Brokers of XXXX talks to me in a demeaning manner, and raises her voice at me. She is very unprofessional, and continues to make me feel like a criminal. 
Please research this, and help. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: NJ

Complaint narrative:
National recovery agency keeps calling to collect a debt they say is from XXXX XXXX, 2009. They say the bill XXXX for {$420.00}! They have never sent anything in writing ( no bills or letters ) for six years! I have never received a bill XXXX! I called XXXX and they have no record of this bill or of me owing any money! Iwas seen at that hospital and all bills were taken care of through our insurance! They provided an account number which does not exist!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had CACH LLC impact my credit signifcantly with XXXX accounts on each of the credit bureaus for accounts I never owned I have submitted FTC affadavit & police report as well as ID verification and I contacted them and spoke with them but I still see the negative information reporting on my cedit.

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 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: MA

Complaint narrative:
As of XX/XX/XXXX I have been dealing with the Rush Card issues, as of XX/XX/XXXX I applied for a replacement card to be express deliver that was suppose to come to me on XX/XX/XXXX, which I still do n't have as of XX/XX/XXXX. Keep in mind they charged my account a XXXX fee for express service. Every time I call no one helps me, hang up on me or leave me on hold for hour. I need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: MO

Complaint narrative:
I filed a few complaints with Scottrade and was told that they would get back to me within a few days. Scottrade did not respond - so I am writing this complaint. 

I formerly closed my account as Scottrade but was also informed about the data breach discussed here : XXXXI would like to know why Scottrade is not responding to my complaints about the breach and why Scottrade is the only company not to give additional disclosures about the hacking.

Company response to consumer: Closed