vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-07 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: Credit Systems of the Fox Valley, Inc.
State: WI

Complaint narrative:
I rented apartment XXXX. when we checked in carpet had burn marks. they promised to change later but never did. this is noted in check in and checkout sheet. After giving key I requested manager to check if everything is ok. he said everything is ok and I will not be charged any thing. This company did n't gave my deposit back, instead they sent a bill for XXXX i called and sent later they never responded. after 2 year a collection agency sent a later. I replied again that I do n't owe anything and I have a proof. they never verified and reported credit agency. this company does this with almost all tenants.they never gave deposit back or never discuss issue. someone need to check this companies record. is any govt. agency can help against this daytime robbery?

Company response to consumer: Closed
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: United Revenue Corporation
State: TX

Complaint narrative:
TO WHO IT MAY CONCERN-I HAVE NUMEROUS ACCOUNTS THAT ARE REPORTING AS OPEN AND PAST DUE THAT WERE INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
This is a medical bill that I had set up payments with the hospital to pay and then lost my card and got a new one and forget to change it with the hospital by the time I call the hospital to set it up again 60 days later it was transferred to a collector ( my fault I should have called sooner ) I called the collection agency professional credit service ( who I had n't received any paperwork from, the hospital had my address and managed to send all the bills after my XXXX to my correct address but the agency decided to send them to my parents who I have n't lived with for 10+ years ) to schedule payments and she informed me my bill was now {$2700.00} instead of what I had paid it down to with the hospital of {$2500.00}. When I asked why that was she informed me they would be adding 9 % interest to my bill each month until I could pay it off ... WHICH SEEMS CRIMINAL! I started looking at if this was legal and the only thing I could find is that debt collectors ca n't charge me more than my original contract which I assume was the original bill from the hospital for just over {$3000.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth finance is trying to collect and report on the same debt twice. This is very old debt and has been reported for a long time. Now its showing twice!! This is against the Florida statutes from what i understand as well as re-aging an account with no cause is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 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: NJ

Complaint narrative:
There are a couple of companies on all three of my credit report that i keep disputing and they still keep coming back and it keeps messing with my credit score.. 1. XXXX 2. XXXX XXXX XXXX 3. XXXX medical center which is with the company Commonwealth Financial System. I have been fighting this all year and they still keep putting this stuff on my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: U.S. Auto Credit Corporation
State: CA

Complaint narrative:
I keep receiving calls for an individual that has NEVER LIVED or resided or even visited me in my home - I have REPEATEDLY asked for this collection company to remove my number from their call list ( XXXX ) - I get at least XXXX to XXXX calls per week for a niece that I HAVE NO CONTACT WITH and that resides somewhere in XXXX Tennessee - I live in XXXX CAlifornia. This has been going on for several months. 

This morning was the final straw. I received a call at XXXX yes XXXX in the morning on XX/XX/2017 from telephone XXXX WAKING UP MY ENTIRE HOUSEHOLD .... I have young children, and it just so happens that my entire household is ill with the XXXX and I had just got everyone to sleep at XXXX am after bouts of XXXX cool baths and medication administration and breathing treatments ... THey had only been asleep for approx. XXXX hours ... so when this CALL came in at XXXX am - I answered thinking that it was an emergency call from a family member ... HOW WRONG AND IRATE I became. 

I requested the name employee number and corporate telephone number and corporate name from the person who called me - SHE REFUSED saying I could talk to her supervisort -AFTER XXXX minutes waiting I spoke with a XXXX employee of XXXX who stated that the call number they use is XXXX ( not the number on my call log ) .. I advised that they were outside of collection call guidelines by calling me WELL BEFORE XXXX am in the morning which is normal for their company and that I had previously advised at LEAST a DOZEN or so times within the last couple of months that the person they are looking for does not and has never resided in my home and does not even RESIDE In the the state of XXXX. - he said it was a mistake - that the file does indicate DO NOT CALL- I advised that is what I am told EVERY TIME They call. Oh sorry XXXX - we do have do not contact for your phone number. I had advised previously that I was going to contact legal representation for harassment. 

What can I do to BLOCK this company from EVER contacting me again? - I need to put a stop to their ILLEGAL tactics and also they have divulged information about my niece and the DEBT SHE OWES - which is also illegal - telling me to just tell her to pay her bills and I would not get calls like this. THis is when I went off - this is not my debt nor do I have a relationship with my niece - SO WHY IS IT my responsibility to tell her to do ANYTHING. I did not give her the credit or money - so therefore it is ILLEGAL for them to give me the information that she has defaulted on her obligations, NOR DO I CARE. The file name they have for her is XXXX - she can be contacted at the following number XXXX ( the last known contact per her brother ) and resides in XXXX Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Debt Management Incorporated
State: MA

Complaint narrative:
Between XXXX XXXX and XXXX XXXX, I received several phone calls from a CRA agent named XXXX, who consistently left messages in a threatening tone ( " You must respond by XXXX time or further legal action/litigation will be taken '' ). This was in reference to a {$180.00} medical debt. When I finally spoke with the agent by telephone after XXXX last threatening voice message, he made abusive comments and refused to respond to my written debt validation request. He referred to it as a " meaningless stalling tactic '', accused me of lying and skirting my responsibility for the debt. When I mentioned getting my attorney involved, the collection agent snapped that he had marked the account as a " refusal to pay '' and hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have requested verification and validation of debt from this agency several times to this day they have not provided. I do not know what this is and I am disputing the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
The debt that on the report is not mine. They report the wrong person.

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
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with XXXX requirements to CommonWealth Financial Systems , Inc . I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt is under investigation to be validated by CommonWealth Financial Systems XXXX Inc. After doing my research I found out that CommonWealth Financial Systems , Inc does n't have the right to collect debt in Texas XXXX Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. CommonWealth Financial Systems, Inc should cease all collection efforts and remove the debt from my credit report promptly. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Central Financial Control. 
Section XXXX of the Texas XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office XXXX. 
On this site, you can search for individuals and entities that have filed debt collector bonds with the Office XXXX. The search results will indicate, based on the information filed with the Office XXXX, whether the bond is active, pending cancellation, or has been cancelled. All fields displayed are searchable. You can see from the documents that CommonWealth Financial Systems, Inc cancellation was in XXXX/XXXX/2016 prohibiting them from doing business in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA

Complaint narrative:
My company offers an HSA ( health savings account ) health insurance option with the HSA provided by XXXX and BNY Mellon. During the benefits enrollment period in XXXX 2015, my company *strongly* encouraged everyone to sign up for the HSA option over the tradtional PPO plans. I generally like the concept of HSAs and signed up for one, opting to contribute the maximum limit. Now XX/XX/XXXX, BNY Mellon has unilaterally decided to impose a $ XXXX/month fee on all balances below {$5000.00}. This was apparently a right reserved to them per the account terms to which we had to agree in order to opt-in to the HSA plan. As a consumer and employee, I never had the opportunity to fairly negotiate this as part of my benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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: UT

Complaint narrative:
I have never opened an account or had an account with these people. This is a result of fraud and identity theft. I have disputed and contacted them with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ECMC GROUP, INC.
State: GA

Complaint narrative:
I discharged this Debt with XXXX XXXX and this company as well as others continue to contact me but I have successfully disputed this Student Loan Debt. This IDENTITY THEFT XXXX XXXX. I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. 
I did not give my permission for this DEBT COLLECTOR to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is purchasing something from another CORPORATION.

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 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My Mortgage was bought by Green Tree which Changed their name to Di Tech. Due to A XXXX issue with my daughter I was trying Get my interest rate reduced it is at 7.036 % I was sent a letter and told to not pay XXXX payments to Qualify for XXXX or XXXX program. All Documentation has been sent they keep Stalling. No answers and now they are threatening Forclosure. They are many complaints on /line of The same issues. I sent everything by fax and Certified mail. Still say they have not received All documents. I have proof they have it. Please Help me before I loose my home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Back around XXXX I received a letter or notice stating my mortgage was past due by about 3 months. I did n't agree so I called and explained the situation. I was given a fax number to fax all supporting documentation over to and I sent it over several times, finally getting a designated representative to help me. XXXX payment was adjusted and corrected to my account, but XXXX was still showing one more month past due then my records showed. Just as the rep was doing the research and helping me get to the bottom of it, my mortgage was sold to Ditech in XXXX of XXXX. Since then, I have called and repeatedly faxed all the documentation and explanation to Ditech but no one calls to help me. They send me letters showing a payment history since XXXX of XXXX, which is when Ditech took over. This issue goes back much farther back into XXXX. I just got a foreclosure notice saying I owe {$7000.00} and that is not correct. They gave me til XXXX/XXXX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I received my regular invoice from my mortgage company in XXXX and it had the normal totals. In XXXX, I was sent an invoice that shows that I owe {$9600.00}. Five days later I received another statement for XXXX shows that I 'm even more severely behind without making any payments since at least XXXX of this year ( which is untrue ), and I owe {$13000.00}. I have not missed any payments, and I 've called my mortgage company unable to get anyone to answer after XXXX minutes of holding almost each time. I emailed them and was given a response that they would mail an update to me which I have yet to receive. I followed up with that email, and they will not respond to me. They give you an extension for your account representative, and the extension does not work. This is not the first time that I 've found that they have unscrupulous accounting practices, however I desperately need assistance to get this resolved quickly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed up for a Citigold card in XX/XX/XXXX. Citibank said that they would give me a {$400.00} for signing up. I satisfied all the terms. Yet I have n't received the bonus. I 've complained to the brank about this over 15 times. They keep " investigating '' but no bonus for me. This is fraudulent and deceptive. I am XXXX years old. This is deceptive to seniors!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-03 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My wife went shopping at Best Buy, at the check out the check out person asked if she had her rewards card, my wife replied no thinking it was common practice to give the cashier your phone number to receive what ever discounts were available. Cashier asked her phone number and her address but when she politely gave her ssn number she caught herself a second to late. When she came home and told me about it I said something was n't right. After being warned never to give out to much information she was worried. Sure enough, we called the store the same night, only about 1 hour later and found out she was to receive a credit card. She did not want it so she denied she applied for credit and asked for the process to stop. Store insisted that they could not reverse the application and it had already went through. I checked our fico score only to find out that not only her credit was affected but mine as well for a closed account. We called again asking how did we close a account which we never receive a card or applied for XXXX all in a manner of 1 hour of time. But they did not want to help, I found out that the cashiers are pushed to open new accounts. I was n't even there and my credit score got hit by XXXX points for closing a credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I created a checking account with Citibank under the promotion that you would receive XXXX american airlines miles. I completed the requirements for the promotion and even confirmed that I had completed the promotion with one of their representatives. They told me I had to keep the account open for 90 additional days, accruing more account fees, and then by XX/XX/XXXX the miles would be deposited into my account. XX/XX/XXXX is now over and Citi is now saying that I am not eligible for that promotion.

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 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Bank account opened in my name fraudulently. Notified Citibank and credit reporting agencies. Requested information to verify accuracy of information sent to XXXX and received no response from Citibank but received incomprehensible, and inaccurate information from XXXX that does not validate the claims citibank has reported. This has caused problems with me opening a bank 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 2016-05-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I signed up for a XXXX checking account under a bonus point deal for XXXX ThankYou points if I made two bill payments in two consecutive months. I 've completed the bill payments and waited the 90 days + 30 and counting. I 've also confirmed with customer service that I am due to receive the points but still nothing.

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 2015-09-16 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a payment of {$100.00} on my credit card. I had a promo balance of {$4600.00} with 0 % interest. I made a purchase for {$25.00} on XXXX. I made XXXX payment that should have covered the balances of the the {$25.00} charge. Payment dates were XXXX for {$25.00} and XXXX for {$100.00}. I minimum payment was {$67.00} that month. I was charged a minimum interest fee of {$.00} on a balance of {$.00}. I think that charge is unfair and they refuse to refund me the {$.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief