vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Hi, I used " Rural metro - Ambulance '' service on XXXX XXXX XXXX for my daughter. I provided with my insurance information to the people in the Ambulance when they took all my information but it was never cascaded down from there. Months after the service, I got a bill from XXXX of California asking me to pay the bill of {$1700.00} or Provide my insurance details. I provided them with my XXXX insurance after checking my coverage eligibility with XXXX. For almost a year, XXXX of California submitted the claim to XXXX 3 times with incorrect diagnosis code which was pointed out clearly by XXXX but yet, the same claim with incorrect code was again n again sent to XXXX by XXXX of California. Recently I got to know that XXXX XXXX has handed it off to Collection agency ( Credence resource management ). I called the collection agency on Friday ( XXXX XXXX XXXX ) and provided all my insurance details and today morning ( XXXX XXXX, XXXX ), I went ahead and did a three way calling between the insurance agent ( XXXX ) and the insurance agent in the debt collection agency ( Credence ) to explain the root cause of the problem so that they can address it and send the correct claim to XXXX. 
After my multiple discussion with Credence resource management in last couple of days, I feel that the information that is being told to them is not properly documented and cascaded across their departments. 

For instance, I provided the insurance #, address of the insurance company etc. to them during my conversation, however they mentioned to XXXX during my three way call saying they do not have any info on file. This is one of the many problems I have experienced with the Debt collection agency. Also the collection agency insurance agent tells me that I have to wait for 30 - 45 days so that they can prep all the information needed to be sent to XXXX for processing the insurance and I m worried if anything will be messed up again. 

This has become my part time job to make sure XXXX XXXX XXXX or right now the collection agency talks with our insurance company and typically both XXXX XXXX and this collection agency expects me to literally do the three way calling and just be a middle man to make both of them talk. It is extremely frustrating experience so far and I m worried how this process will even end. 

Request you to please look into this issue and reach out to me if any questions. 

Here are my details. 
Name : XXXX XXXX Creditor : XXXX Creditor Account number : XXXX Creditor Reference Id : XXXX Balance due : {$1700.00} My email : XXXXXXXXXXXX My Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phillips & Cohen Associates, Ltd.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Portfolio Asset Group for Portfolio Asset Group 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, Portfolio Asset Group. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY

Complaint narrative:
About a year ago, I financed services through XXXX XXXX XXXX through XXXX XXXX. Roughly a year ago, XXXX XXXX XXXX abruptly closed and I never recieved any of those services. XXXX XXXX has since started harrassing me to collect this debt. I have expressed to XXXX XXXX that I did not recieve any of the services and their response was that it was not their problem. They also threatened to use legal action against me if I did not pay. I then told them that I will contact them to reach a resolution and until then I do not want to be contacted by them. However, they have continued to call me repeatedly using the telephone number above and various other phone numbers. It has become increasingly difficult to use my phone because of the number of harrassing calls I keep recieving from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation
State: FL

Complaint narrative:
Our business was contacted by merchant services provider that they could save us on XXXX processing fees. They proceeded to have us sign up for a 4 year lease with First Data Leasing to the tune of {$7700.00}. We decided not to proceed with XXXX as we found a better deal before we ever hooked up the equipment with First Data Leasing. First Data Leasing and XXXX are not allowing me out of the contracts even though I never used either of their services. The women whom signed us up was told repeatedly that we did not want to be under contractual agreement however she convinced us by saying we could get out if they could not save us money. We found a way better deal only a week later before we ever hooked up the equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Orions Management Group, LLC
State: WA

Complaint narrative:
On XXXX/XXXX/XX/XX/XXXX XXXX XXXX working for Orions Management Group L.L.C. Group called me at my employer. I could not talk so I gave him my phone # and he gave me his as ( XXXX ) XXXX and said I would call back. When I did the same day XXXX minutes later during my lunch at XXXX XXXX he threatened to take me to court and tag on hundreds of dollars in court fees. I asked him to send it to me in writing and he refused to do so. He threatened to send it to his attorneys right now if I did n't comply right now with a promise to pay. I gave him my credit card # and e-mail but no specific day he can charge it nor an amount and said I would call back. I did research and learned the statute of limitations for suing me started the XXXX time I missed a payment which according to my credit report was XXXX and as of the day XXXX XXXX called me the item was seven years old and a Time-Barred debt. I called XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX and asked him if he could sue me for a debt that had run the statute of limitations of XXXX years in my state Washington and he told me he could because the statute for this item started on the Charge off date which he said was XX/XX/XXXX. He then began raising his voice and speaking very fast saying he could charge my card right now or forward it to his attorney and I have n't given him verbal or written consent to do so. I disconnected the call without another word. I sent him an e-mail to clarify what he said on the phone on this same day XXXX/XXXXXX/XX/XXXX and to request this debt in writing. Instead of responding he called me at XXXX XXXX and XXXX harassing me while I am at work and unable to come to the phone. He sent an e-mail reply ignoring my questions and said he would send his settlement offer and that is all I received. After this I sent an e-mail again requesting he respond to my questions and he replied I would have to call him to discuss. To summarize XXXX XXXX threated to take me to court, garnish my wages if I do n't pay on a Time-Barred debt and when asked specifically about his right to sue me he provided false answers and threaten to charge me card for which he has authorization to do so. He caused me undue stress with his false statements and it has adversely affected my health and peace of mind. He is harassing me and using unfair collection practices which are prohibited by Federal Law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 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: First Credit Services Inc.
State: FL

Complaint narrative:
I do not owe this debt. I joined a fitness club because i did not have to commit to a contract. I ceased using the services and paid the outstanding balance when i notified the club that I would no longer be using the service. It strikes the wrong cord when this creditor is reporting a balance owing when I had no contract with them. I request full validation from this company or the reporting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
This company continues to call my place of employment. They have been asked to stop numerous times. I work in a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SECURITY CREDIT SYSTEMS INC
State: PA

Complaint narrative:
I AM RECEIVING PHONE CALLS FROM A DEBT COLLECTOR. THE DEBT IS FOR ANOTHER PERSON NOT ME. I HAVE SENT A STOP AND DESIST LETTER. I AM STILL RECEVING CALLS FROM THEM PLEASE ANY HELP THANK YOU.

Company response to consumer: Closed
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Orions Management Group, LLC
State: OR

Complaint narrative:
Years ago, I opened up a credit card with XXXX XXXX. I was doing a good job paying everything back on it that I used, but then my family and I had an emergency in which we were being kicked out of our home. I had to use the credit card more often and had no money to repay what I used. Eventually, it accrued more interest and was closed. Yesterday, I received a call at my job from a credit debt company called Orion 's Management at my place of employment, looking for my supervisor. I got the information from them and called them back from my personal phone. I spoke to a XXXX XXXX ( XXXX? ), and asked him why he was calling my work. He told me his company had left several messages with me ( they had n't left any messages, as far as I know ) trying to get in contact with me and had received no word. They told me they were calling my work to speak to a supervisor about garnishing my wages, for an ~ {$800.00} credit card bill. They told me they would file for a judgment against me. When I told XXXX XXXX that if I were to pay it off right now, I would have absolutely no money for my rent or bills, he became extremely rude and told me " Well then, get out your calculator and see what XXXX % off of your paycheck will do to your rent, '' and then we hung up. I feel that Orion 's Management has broken the law several times in that one phone call. XXXX XXXX called my place of employment, for one, after his company had called my place of employment once before and my Supervisor told him not to call anymore. He also wanted to speak to my supervisor about garnishing my wages, which is something he should not be able to do without an official judgment against me. His rudeness and bullying also caused me, who is diagnosed with XXXX and XXXX, to become XXXX and cry while I was at work, making it difficult for me to continue doing my job. I feel that XXXX XXXX has most definitely broken some laws here and I would like for his behavior to be investigated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA

Complaint narrative:
RMCB is attempting to collect on a supposed past due charge for XXXX. Neither I nor any member of my family has ever purchased XXXX, especially on credit. This is completely fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation
State: MA

Complaint narrative:
TeleCheck is declining my checks for even the smallest transactions. XX/XX/XXXX at XXXX in the amount of XXXX at XXXX XXXX XXXX. The reason they say is insufficient history and will not guarantee any checks will be processed. As I am awaiting my debit cards in the mail, XXXX days, I have no other form of payment and this company is unjustly holding my money hostage. I have good credit, own XXXX homes and have a significant balance in my checking account. Therefore, I have good credit history and should not have checks declined for {$69.00} and is completely embarrassing to approach a check out with a carriage full of groceries and be declined! 
In researching, the issue numerous people are complaining about these same issues and something needs to be done. I see TeleCheck was fined XXXX in XX/XX/XXXX for this same issue and they have not improved. Either they need to get their act together or be subject to additional penalties and/or taken over by a competent organization. 
If reasonable resolution can not be found with this company I will also be contacting my lawyer to seek punitive damages as well as contacting my senator.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Fraud was reported to my checking account with USAA within 24 hours of it happening on XXXX XXXX, 2015. Failure to respond to this with any adequate security measures, led to XXXX more fraudulent transfers to occur, insufficient fund charges to happen, and returned item fees. When the checking account became overdrawn by {$4900.00}, USAA allowed my " overdraft protection '', linked to my credit card account with them, to make {$5900.00} worth of cash advances to my checking account to pay off these fraudulent transfer of fund. I am now being held liable because I agreed to have the USAA Credit Card be my overdraft protection and because I stated that I may have been a victim of identity theft or an email phishing scam, they are making me liable. I believe there was a very convenient reason that they made this land on my credit card, instead of leaving this with the checking department to be resolved and disputed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I applied and received a credit card from USAA with a 0.0 % APR for balance transfers. After I was approved, I found out that balance transfers would be at 12.9 % APR. The day after I applied and was approved, I went online, and all mention of the promotion on the USAA website was gone. I called and asked them to look into what happened. On XXXX XXXX, USAA send a letter ( attached ) and said that they found the problem, and that they would now apply the 0.0 % APR to my balance transfers. However, because of the problem, I did n't make any balance transfers because I did n't want to pay the 12.9 %. The promotion ended in XXXX 2015, and now USAA says that I can not transfer any balances and receive the 0.0 APR. They said that regulations prevent them from honoring the original agreement and that I should have transferred the balance before the offer expired. All I want is to transfer the balance of another card and get the 0.0 % APR they offered when I applied for the card. I have banked with USAA for many years, and they have been an excellent organization until this incident. I have discussed the problem with XXXX levels of their customer service, and they have been sympathetic, but unwilling to honor the original agreement. 

If I had been able to transfer the money when I received the card, I would have saved about {$500.00} in interest that I could have used to pay down my balance ( which was the sole reason I for applying for the card ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optima Recovery Services LLC.
State: KS

Complaint narrative:
I have disputed this debt that I do not owe with a company named Optima Recovery Services. I have filed several disputes with Experian and they have yet to correct the derogatory information on my credit file.

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 2017-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI

Complaint narrative:
I have been diligently trying to close out and reopen an account that has been compromised several times first by Debit Card now by ACH. I opened an ACH claim sometime ago and the fraud issue was resolved. I was told the account was to be closed but that never happened. After trying to open a new account I was told that because of the excessive overdraft ( which was caused by fraud ) I was not able to open a new account but I could keep the compromised account open. Since then my account has yet again been compromised. I spoke with someone in the CEOs office today whom was supposed to handle the issue however she continued to push blame and offered no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 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: Diversified Consultants, Inc.
State: VA

Complaint narrative:
There is another attempt to collect a debt that I do not owe, which has resulted in a breach of contract services and/or interruption of service since XXXX XXXX, 2016. Contracts indicate that anytime when there is an interruption in services the contract is extended by same time frame that the services are interrupted. All bills have been carefully reviewed and no additional funds are required as there has been no service rendered and the specific request are for an early termination fee that the consumer did not consent to her services being interrupted or terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I was a victim of the 2012 Government shut down. This was known as Sequestration Furloughs. I wanted to make sure I made sure every creditor know I was trying to address my accounts. I was made aware that USAA a company that I had my vehicle loan with was offering members that were affected by the furloughs was giving 2 months relief on their loans. I spoke to a service member by calling the XXXX #. I was informed that I would not have to pay my vehicle loan for 2months. After the two month period I started making my payments again. I notice after reviewing my credit report that the two month relief period was not honored and I was behind on my loan. I contacted USAA again and was told that I was not set up on this option. I have contacted USAA on multiple accounts to try to resolve this issue. I do n't not think it is my fault and not be punish for a representative giving me the wrong 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 2016-11-12 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I deny that this is my debt, and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Diversified Consultant Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I did not complete an order with TransUnion ( no 'complete ' or 'finish ' button was hit, I exited the website before completing any transaction ) yet my card is being charged, there is no way to remove my card from the account, and they will not cancel my subscription until XX/XX/2017. There are no resources to deal with this issue. I am being cheated and am concerned this con site will charge my card further since I can not unlink it or completely delete my 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 monetary relief