vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: MNS & Associates LLC
State: OH

Complaint narrative:
XXXX members of my family and I have all been called numerous times by XXXX XXXX XXXX stating they have legal documents to serve and wanting to verify my information. The call comes from a XXXX number XXXX XXXX XXXX and refuse to say who it is or what it is in regards to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
This should be described as " can not pay lender back online within 3 days ''. Speedy cash has a policy where if you pay your loan back within 3 days you will not be charged any CAB fees. This is a great policy however they DISABLE the option to pay online during this time. So you have to go into a store with CASH to pay them back if you want to avoid CAB fees and interest. 

I find this practice to be extremely shady. Why not allow me to make an online payment after I have an active loan? Why am I not able to make an interest free payment online until after the interest and CAB fee kicks in? 

" You have the right to make payments in any amount in advance at any time. " In the screenshot I have attached you will notice there is NO way to make an online payment. If log in after the CAB fees kick in then the option to pay online show up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2016, I lost my job for filing a complaint of discrimination. I notified my XXXX/Comenity Bank credit card to activate my unemployment insurance card protection services. Which was done. Payments was made to the credit card lendor Comenity Bank. I was required to file periodic claim forms for the Insurance company. While at a " working interview '' I was contacted by a bill collector, XXXX XXXX XXXX XXXX " attempting to collect a debt for ComenityXXXX ''. I lost the job prospect due to them not getting off the telephone. I called them back to let them know what happened. It was brought to my attention that Comenity Bank/XXXX XXXX had charged off my account and sold it to them for collection. I explained everything to them and they verified that their records showed that the payments had been made to Comenity Bank/XXXX and that they wanted to collect the amount due. I was furious. This can not be legal. I faxed over a letter to Comenity Bank/XXXX demanding that that they correct this matter, repair my damaged credit report, activate my account/take the account back from the creditor and remove the charge off since they have been paid. To date they have done nothing and today I was told by XXXX XXXX that her supervisor said that I needed to contact XXXX XXXX XXXX XXXX to pay toward the account. 
I have the documents needed to support my complaint to your offices as well as the insurance claim paperwork-payments made from the insurance company to Comenity Bank/XXXX for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: Vion Holdco I LLC
State: CA

Complaint narrative:
I was making payments on time to XXXX XXXX Account for about 2 years with no issues. Earlier in this year around XXXX XXXX, 2015 I noticed a late payment fee on my statement and when i looked into it more carefully my bank had deposited the money on time with out delay. XXXX posted the payment 20 days later. I contacted XXXX informing them of the issue at hand and they credited XXXX. Sometime in the beginning of XXXX i received a phone call from XXXX explaining that im late on my payments. I explained them that my bank automatically sends out payment to XXXX, and after checking with my bank and my online statements all bills were paid on time. By the end of XXXX i received a phone call from there collection department saying that i have not paid XXXX and that XXXX was due. When i reviewed the statement for XXXX it was showing a late charge for XXXX when the bill was not even due. On XXXX XXXX 2015 i spoke to a collection representative for XXXX and explained to them that something is wrong with there system because they are constantly posting there payments late, but when i look into my bank account the payments are always going out on time on every XXXX of the Month. The Rep credited the late charges and told me my total amount that was due. My balance after the conversation was suppose to be {$190.00} and the rep also mentioned after i pay {$27.00}. The total balance will become {$160.00}. I went over the information with the rep a few times just to confirm that there will be no more mistakes. I made the payment right after our conversation on XXXX XXXX, 2015 for {$27.00} as per the conversation with XXXX 's Rep. XXXX XXXX XXXX, 2015 i received another phone call from the collection department stating that i am still late on my payments and that i need to pay {$17.00} for the late payment. I asked the Rep to look at the fax to show that my bank has always been on time with no delay, i attempted to retrieve a Fax number so that i can fax the information over the rep said that they do not have a fax number and that i would have to submit a letter with back up and proofs of the statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have a a unverified account from PORTOLIO RECOVERY ASSOCIATES. I had previously disputed this account. I have never done business with PORTOLIO RECOVERY ASSOCIATES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that PORTOLIO RECOVERY ASSOCIATES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( XXXX ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTOLIO RECOVERY ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 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: LA

Complaint narrative:
I have been XXXX for the past 3 years. I have only went to XXXX XXXX. This company is staying that I owe them However, I have never went there. It says that the account was open on 2015 well at that time I had medicaid and south this all of my doctors bill were covered. Plus I have insurance with my job. I have told them multiple times that this is not my account. However they keep reporting this to my credit report. When I know that this is against the law to do. With death validation and if they do n't have all of there legal bonding documents. Which I know that they do n't because this account is not mines. I have already reported to the credit bureaus about the faud activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 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:
Commonwealth Financial Systems has yet again placed an unsubstantiated collection on my credit reports in the amount of {$57.00}. This is the fifth time that this fraudulent account has appeared on my credit reports and the third time that Commonwealth Financial Systems has reported this false information. Each time they change the account number reported to the credit bureaus. I have proof of sending certified letters to Commonwealth Financial Systems denying their allegations and requesting evidence of their claim. In all cases, Commonwealth Financial Systems ignored my letters and has refused to provide evidence of their claim. This fraudulent collection was reported in the past by other collection agencies as well. XXXX XXXX XXXX, XXXX & Northeast Credit have also reported this false collection in the past. It took assistance from the Attorney General 's office to get them removed from my reports. The credit bureaus have also removed this false collection placed by Commonwealth from my report multiple times. I have kept all correspondence from my complaints and evidence of my complaints with the Attorney General as well as credit reports showing that this fraudulent account was previously deleted multiple times. I have had to place a fraud alert on my credit reports because this continues to occur. It is horrifying to see that Commonwealth has over XXXX complaints with the CFPB. I have filed new complaints with the Attorney General of Texas as well as the PA Attorney General. It is my prayer that the CFPB will take action against Commonwealth Financial Systems to stop their continued abusive and illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: C/C Financial
State: MD

Complaint narrative:
COMPLAINT ACTIVITY REPORT Case # XXXX XXXX XXXX XXXX. 

Consumer Info : XXXX, XXXX XXXX Business Info : Merchants Preferred Lease-Purchase XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX - XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Involved : ( Same as above ) Consumer 's Original Complaint : On XXXX/XXXX/2015 I bought a laptop and a coffee machine from XXXX store, I refer to Merchant preferred financing to finance the laptop ( cost XXXX ) and the coffee machine ( cost XXXX ) total with taxes finance XXXX. ( by the way the coffee maker stop working in XXXX 2015 and it ended in the trash ) so the started taking XXXX per month from my checking account the last payment they took just several days ago so I called today why the still taking money out of my account when the Items total was XXXX that payment should have been completed. they told me no because I signed an agreement for 18 months and that I will be paying XXXX for 18 months and the total will be over XXXX when the payments are completed, I was not aware that was the deal I understood that I was being finance until my bill of XXXX was paid completed, base on their explanation I will be overpaying 3 times for the items I purchased, that do not seem to be wright it seems to be a legal scam, how can the consumer department allowed these companies to ripped of the consumers Consumer 's Desired Resolution : DesiredSettlementID : Not applicablestopped scamming onsumers XXXX XXXX XXXX/XXXX/2015 web XXXX Case Received by XXXX XXXX/XXXX/2015 XXXX XXXX Case Determined to be INFO ONLY - Send to Company XXXX/XXXX/2015 XXXX EMAIL Inform Consumer - Case Closed INFO ONLY XXXX/XXXX/2015 XXXX MAIL Inform Business of Case Closed INFO ONLY XXXX/XXXX/2015 XXXX XXXX Case Closed INFO ONLY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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:
I had a medical bill that was owed from XXXX 2009 for {$540.00} to XXXX HospitalXXXX @ XXXX XXXX XXXX, XXXX XXXX TX XXXX ph # XXXX acct # XXXX. The collection agency Commonwealth Financial systems Inc ph # XXXX sent me collection letter on this. I pulled my credit to see that they had the same amt XXXX on my report. I called XXXX Hospital/ XXXX XXXX Services and the bill was due which i moved and did not get the bill. I settled the acct on XXXX for {$160.00} and paid it and told the rep that the XXXX acct they had was a dup acct and they were supposed to contact client on matter which has not been done. I called the client to find that they do not know who Commonwealth Financial systems Inc is. The client said they work with XXXX XXXX XXXX ( collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ph : XXXX and they also have the account and balance and they do not know who Commonwealth Financial systems Inc is. I called Commonwealth Financial systems Inc and spoke to the collection manager XXXX XXXX XXXX on XXXX and told her all of this and she stated that they will not call the client and that I needed to resolve this even if they have the wrong details and will not contact the client to resolve. Therefore I consider this FRAUD and they have been paid nd I have a letter from them showing it was settled for {$160.00}. I need your help in resolving this matter due to they are reporting on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: MO

Complaint narrative:
This account is not mine I have never attended or enrolled with XXXX XXXX. I have supplied them a copy of the incorrect information on my credit bureau. Showing XXXX XXXX XXXX XXXX hired by XXXX XXXX. There is also an account number showing on the report. XXXX XXXX can contact Ability Recover and find out the name and social security number associated with the account in collection. I have provided XXXX XXXX with the last XXXX digit of my social XXXX. I do not feel comfortable providing them with copy of my Social Security Card. They have stated in email they have no student record matching my name and address. But still have made no effort to remove incorrect information from my credit Bureau ( XXXX ). I would lie this removed immediately and XXXX XXXX needs to be fined/reprimanded for their poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 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: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
I noticed a collection account on my credit report several weeks ago. The original creditor was XXXX College, They sent a file to Ability Recovery Services. I contacted XXXX College and they stated the balance was zero and it was supposed to removed from my credit. It is still there. I call XXXX, and they say that I owe nothing. I call Ability Recovery and they claim I owe money. There is no communication between these two. I am getting frustrated. I am in the middle of buying a house and this could not have come at a worse time. I guess my next option is the court system,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: NH

Complaint narrative:
Ability Recovery Services is reporting a collection account in violation of FDCPA. 
I have never received a notice from this collection agency. By law, I should have been granted 30 days to dispute the debt. I became aware of this account as I checked my credit report. I am requesting this collection agency to provide proof that I have received their letters or any other communication that they may be falsely claiming to have mailed to me. The reason I emphasize this matter is because I lived XXXX for a very long time and I have recently relocated back to the States. I know for a fact that I did not have the opportunity to dispute. 
2- I am requesting a valid/legit proof of debt written contract or agreement. 
Please note that this agency has not listed a phone number on the credit report and has only listed the following address : XXXX pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Debt Management Incorporated
State: MA

Complaint narrative:
Company has called me several times pretending to be attorneys aggressively and abusively telling me they will be taking me to court and telling me I operate a dishonest business and I will be " punished ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
every single day I receive a robo-call in XXXX and XXXX for the past 4 months from an unknown debt collection agency called Commonwealth Financial Systems at 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 2015-09-05 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: PA

Complaint narrative:
This debt just showed up on my report, I believe back in XXXX 2015, I never heard of this company before, until now, I believe I am not responsible for this debt. I summited complaints with the credit bureau 's and have got no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: OR

Complaint narrative:
Commonwealth Financial Services contacted me by phone telling me I had by end of day the next day to pay a debt of {$2000.00} or they would be sending me a summons for criminal charges. They tole me the additional fees could be upwards of {$8000.00} if we ended up in court. I told them to send me something in writing. I received a letter from XXXX XXXX ( XXXX XXXX? Email address was XXXXXXXXXXXX ). The letter stated that I had to settle the debt by XXXX/XXXX/XXXX to avoid any further collection proceedings. I received several harassing emails after our initial contact. I looked in my records and saw that this account had been satisfied in full with XXXX XXXX XXXX back on XXXX/XXXX/XXXX. I feel that this was a complete fraud tactic to scam me out of {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
I 've been disputing a derogatory account on my credit file and I wrote to the company after they validated the debt and asked for proof of the debt being mine ( signed agreement with this company ) on XX/XX/2017. On XX/XX/2017 I received my XXXX credit report stating that the account ( s ) had been updated ; however I did n't see where any major information had changed. I called XXXX and the representative told me that they just updated the origination date ( which is invalid ). I communicated that I am disputing that and I want the item removed. I called the company shortly afterward to communicated with them directly regarding the account. The representative hung up on me when I told him that he was in violation of the law. As a remedy I would like this complaint filed and the item removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Paramount Recovery Systems have reported a collection debt on my Credit Report with XXXX & XXXX since 2012. It shows up as a medical account. I am certain that this is not my bill. I also know for certain that I have not had any outstanding medical bills. I have always had insurance and use my flexible spending account to pay all medical bills and services. They have failed to contact me and provide any bills, contracts or details of the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PLS GROUP, INC
State: WI

Complaint narrative:
I took out a Title loan with PLS of wisconsin last year and still have payments due, and a contract with them before i can get my title back. I went to make a payment this past week only to find out that all PLS stores in wisconsin are closed. I received no notification of them closing their doors in wisconsin and when i called the number they left, i kept getting transferred and put on hold for a good 30 min, and received no information that could help me. I do n't know what to do. Im trying to get my financial life in order so i can move forward with my life, and this is one of the biggest road blocks i have had to deal with.

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 2017-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GATEWAY FIRST BANK
State: LA

Complaint narrative:
We gave our mortgage company our house as part of a legal settlement. However, they have not closed the mortgage with the credit bureaus and have called and sent letters threatening to forclose.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation