vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was part of a XXXX company with my ex-spouse, until XXXX XXXX, 2008, at which time I was terminated and released of all company liabilities, present and future. My ex-spouse received the XXXX as his separate and sole property in the settlement agreement. He also completed legal paperwork to have me removed from a XXXX XXXX XXXX business line of credit. The ex-spouse warranted to me that he completed and submitted a Release of Guarantor Agreement to XXXX XXXX XXXX, thereby legally removing me as a guarantor of his companies ' future financial liabilities and debts. XXXX XXXX XXXX claims they do not possess that paperwork, and sold the debt fraudulently to CACH , LLC, who hired the XXXX in Arizona to attempt to collect the debt from me. 

I requested in writing, well within the 30 day time frame, for CACH , LLC and the XXXX to validate this debt, and and my request was IGNORED. CACH , LLC, reported a collection account to all XXXX credit bureaus : XXXX, XXXX XXXX and XXXX. It is my understanding that if the collection agency does NOT validate the debt, they are violating my rights under the Fair Debt Collection Practices Act. Furthermore, since CACH , LLC, has reported information that they know to be inaccurate and incorrect to the above listed XXXX agencies, they have violated the Fair Credit Reporting Act 15 USC 1681s-2 Section 623. If CACH , LLC attempts to pursue a judgement without validating the debt, they are again failing to comply with the Fair Debt Collection Practices Act. This is not my debt. I requested validation, which I have NOT received, yet they are continuing to attempt to collect this debt. I now have negative, harmful and inaccurate information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
I have n't received my direct deposit which goes to my rushcard and their bank is XXXX. I was supposed to receive my funds XXXX XXXX and did not. I been calling, emailed them also called XXXX. They updated their online n you can not get on line with them nor have they added my funds n you can not ever speak to a person. This is rough n very hard I have bills n Ned groceries and personal products and I need my money. I called my payroll personnel n its rushcard that got our funds who knows how many people they ripping off and hurted financially. I want my money and need my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MO

Complaint narrative:
Rush card has been holding mu money since XXXX/XXXX/2015. It was several days before I received any money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-10 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
on XXXX XXXX 2015 a hold for XXXX was placed on my account XXXX i called XXXX import and XXXX said it was a mistake they tried 3 times to fax a releash the rush card bank / XXXX said there fax is down after 3 to 5 days XXXX said my money will be releash by rush card rushcard said they dont follow any federal laws or banking laws its now 11 days and the holds have not been releashed they stole my money which is my XXXX payment rush card said call occ and federal banking comm they under none of them and can hold my money for 90 days if they choise to do so i need my money i called on the 10 th day they are telling me no funds will be releashed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
Reference to Case number : XXXX Account Details Creditor Contact Commonwealth financial XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Account Name COMNWLTH FIN Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$630.00} Original Balance {$630.00} Status XXXX Original Creditor Opened XXXX/XXXX/2016 Remarks Placed for collection Dear sir/madam few week back i submitted a compliant regarding the negative and fraudulent account COMMON WEALTH FINANCIAL noted on my credit report. But their response stated that they could not find the account on their data base. 
How did they report account that they do n't have on their data base? First i do n't own COMMON WEALTH FINANCIAL or any of their affiliates and this is a good reason to prove the account as a fraudulent one. Dear sir/madam, i want your office to look at the COMMON WEALTH FINANCIAL contact address on the above information from my credit report to confirm my compliant genuiness. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have exclusively used my American Express ( AMEX ) for almost all purchases since 2010. 
My recent customer service experience, however, has been disappointing. I rented a car from a nationally renowned car rental company. The car rental company charged my AMEX card insurance without my authorization. When I disputed this charge with AMEX, I believe that AMEX failed their duty to investigate the fraudulent charge for at least the following reasons : ( 1 ) AMEX failed to consider the fact that the car rental company withheld parts of the rental agreement ( the part about the insurance charges ) from me at the time of the rental ; ( 2 ) instead of investigating the matter, AMEX took the rental car company 's word and disregarded their bait-and-switch tactic ; ( 3 ) AMEX failed to consider the fact that multiple complaints and even law suits have been filed agains the rental car company for the very same issue ; ( 4 ) AMEX disregarded my credibility as a long-time customer who has had an impeccable overall financial history and history with AMEX in particular. 

Moreover, as a result of AMEX 's failure to investigate, the rental car company has informed me that there is nothing they can do to remedy this fraudulent charge. In addition to resolving the above fraudulent charge in the consumer 's favor, I 'd also like AMEX to resolve the issue that the rental car company now uses the consumer 's dispute with AMEX as a reason to continue their fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17 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: MS

Complaint narrative:
I have no idea where this item came from that showed up on my credit report. I have not received a bill or anything stating exactly what the charge is. It looks identical to a false charges that was placed against me years ago that your agency assisted me with resolving

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
This is not my debt and I never even received a debt collection letter. I received an electronic notification from XXXX XXXX that this collection agency added a delinquent account to my credit reports. 

I want this company to produce ALL information, contracts with my signature, account summary from the original creditor, information showing the date this account became delinquent, and the date this account was originally placed for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
On Fed XXXX, XXXX I received a call from XXXX. My boyfriend answered the phone and the man on the line wanted to speak with me. I was unavailable so I called back the next day on XXXX XXXX, XXXX and a lady named XXXX answered. I could n't understand what company she was working for and asked her what this is about. She did n't ask me for any information & I figured she pulled up my info based off of my caller ID. She said it was about XXXX XXXX XXXX XXXX XXXX debit. I told her I did n't know what she was talking about since I paid off XXXX garnishments last year & my credit score has only been increasing since then. I asked her when the last payment was and XXXX said XXXX XXXX. When I checked my credit report, my last payment to XXXX XXXX Bank was actually XXXX XXXX. Not sure why she told me the incorrect information but it started to feel fishy ... .something did n't seem right, a bit like a scam. She never asked me to verify who I was other than I told her my name at the start of the call but she never verified my birthday, Social Security #, address, etc. She never told me " this was an attempt to collect a debt. Any info obtained will be used for that purpose '', nor did she advise if the calls are monitored or recorded. She told me I owe {$1600.00} plus {$5000.00} fine & court cost or I could go to jail for 5-7 years. She caught me off guard & I got upset, XXXX XXXX XXXX. I asked about a settlement & she put me on hold to speak with an attorney about my case. I was on my lunch break and could n't remain on hold any longer and just hung up. She called back 2 other times that day & left me a message saying to call them back otherwise they will have to move forward. I never called back because I could n't trace back their callback numbers to any law firm. This seems like a scam. It has been 2 weeks and I have not received any validation of the debt. XXXX left me a last voicemail on XXXX XXXX, XXXX saying the attorney is moving forward & I will be summoned for court & she even said my current address on my voicemail. Kind of creepy since I 've never verified any of my information with this lady/company and I 'm not sure how she knew my personal information. I 've lost sleep over this issue lately and have had some stress issues too. I do n't want to go to jail and have never been threatened like this before. I thought according to the F.D.C.P.A. that they ( bill collectors ) had to go by customer service now and not bullying someone. 
Here are the phone numbers for this " attorney 's office '' -- yet I can not find any exact listing on the internet. Why would n't a law firm 's phone number trace back to them when I try to find out who they are specifically? 
XXXX XXXX XXXX ext XXXX ( this # comes up as a fax machine # for XXXX XXXX in XXXX XXXX , FL XXXX XXXX XXXX Thank you for your review and help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 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: Commonwealth Financial Systems, Inc.
State: WA

Complaint narrative:
I received a phone call today from a lady in XXXX state stating they are a 3rd party legal and attorney service and wants me to give my phone number and address to them for a XXXX legal matter. I have not lived in XXXX since XX/XX/XXXX. I pulled my credit reports today and found this new collection account on my XXXX. Please remove this account from all XXXX reports.commonwealth financial systems acc XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXCollection account. {$270.00} past due as of XXXXYour report number isXXXX Report date : 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 2016-02-24 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: D2 Management LLC
State: PA

Complaint narrative:
the caller NEVER STATED FROM A COLLECTIONS AGENCY, NEVER STATED XXXX RIGHTS, THE CALLER THREATENED LAWSUITS AND SAID I WAS IN VIOLATION OS LAWS, THE CALLER TOLD ME I WOULD GET WAGES GARNISHED ( HOWEVER IN A STATE THAT DOES NOT ALLOW THAT ) I WAS TOLD I MUST PAY THIS OR ELSE ( DEBT IS MORE THEN 7 YRS OLD. AND PAST THE 4YR STATUS OF LIMITATIONS ), THE CALLER WAS XXXX, XXXX, THREATING LEGAL ACTIONS AND SAID THEY WILL TAKE ME TO COURT IF NEEDED AS WELL ( THERE A 3RD PARTY NOT THE ACTUAL DEBTOR ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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:
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 XXXX XXXX Validation letter with HIPPA requirements to CommonWealth Financial. 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 was never validated by CommonWealth Financial. 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. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I had an XXXX collection from XXXX for {$820.00}. I refused to pay the original amount to XXXX because it was for internet service that i asked to be disconnected on my kids cell phones. Somehow my 10 yrs activated the internet service on the phone and i was charged around {$200.00}. 
I disputed the charges but XXXX XXXX XXXX refused to remove the internet. I immediately cancelled the account. The bill was sent to collection. 
in XXXX XXXX i received a collection letter from XXXX XXXX financial systems for the amount of {$820.00} and i was offered a 50 % discount to settle the debt. I took on their offer. 
I paid {$410.00} with my visa XXXX XXXX XXXX card on XXXX XXXX. 
I have proof of the payment, i have copy of their original letter. 
I never received proof of payment nor the settlement was reported to any credit reporting agency. 

Now for the last two years i have been receiving collection letters trying to collect the remainder of the original debt. SCAM. 
I have been receiving collection letters from COMMONWEALTH FINANCIAL SYSTEMS asking to collect {$410.00}. 

To me this is illegal, I try to reason with them but to no avail. 
Please help. 

1 ) i am sending proof of original collection letter with offer of XXXX % discount. 

2 ) proof of payment. XXXX XXXX XXXX card statement. 


3 ) latest collection letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: NV

Complaint narrative:
Hello, There are several items on my credit report that are fake and are listed multiple times, by a collection agency called NORTHEAST CREDIT & COLLECT. In 2010, my husband and I were hit by a drunk driver. Our medical bills were paid in the settlement, yet this company continues to illegally place these false items on my credit report and list each fake charge multiple times, in order to destroy my credit. This is in violation of FCRA laws. 

They have never contacted me prior to submitting this false information to XXXX and have been unable to produce any evidence as to the validity of these multiple charges. 

In 2010, my husband and I were hit by a drunk driver, yet all of our medical bills were paid in the settlement, by XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Our representing attorney was XXXX XXXX. 

These charges that our now showing up on my credit report however are completely fake, with made up numbers. Each month I dispute them and each month they fall off ( because they are not real charges ), but the collection agency retaliates by relisting each charge multiple times, in violation of FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I submitted a settlement check that was the result of a judgment from an insurance company. The check was required to have the name of the current mortgagee and myself. I informed Green Tree the background history prior to submitting the check. The initial person I spoke to gave me what they thought the requirements would be for disbursement. Unfortunately, once they got the check all of that changed even the department handling the situation changed. They kept stating it was a claim for damages even after receiving copies of the court papers, affidavit from the original contractor, and a statement from the insurance company. Green Tree just refuses to give me my money. According to the reviews and statements from former homeowners this is their practice. They hold all the checks in escrow and profit off the interest. They have been in possession of the check since XXXX 2014. They are now proceeding to foreclose on my home, because of delinquent payments and still refuse to give me my money. I offered to pay for an licensed inspector to prove that the work had been done years ago, before they took over the mortgage. They said it would not make a difference. I sent a notarized statement offering to bring mortgage current and take the difference. No response from Green Tree. They are withholding a {$26000.00} judgment settlement check that would help me get my financial stability. Please help end this XXXX, and save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
Debt older than XXXX years Proof of original collection data Please remove collection from all credit reporting agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
I currently hold a Mortgage with Ditech financial and rec 'd notification in XXXX 2016 that they have not paid my Property taxes. The property taxes were 6 months past due, When I called Ditech to follow up with them they told me they would start researching. I followed up about a month later and nothing had been done, They immediately began working on it and sent out tax payment to the assessors office. In Ditech 's error.. They sent a second payment a week later ( Causing an escrow shortage in my account ) I notified Ditech again regarding the error because I now have rec 'd a notification stating my Mortgage payment was increasing due to the impound shortage. This has been going on for almost 3 months now unresolved. I would like Ditech to credit back the funds to my escrow account they sent in error and verify and confirm that my payment remains unchanged. I escrow account is correct and there should be no payment increase once they credit back the overpayment they sent in error. Ditech will not put a supervisor on the phone, They state they are to busy and they just keep pushing me off to representatives, Tax dept ect, I am fed up at this point and am requesting assistance.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I applied for a loan modification from Ditech Financial. They keep putting me through the ringer. They continue to ask me to send them the same paperwork over and over again. Now they are asking me to send them XXXX before they can give me a loan modification. Now DITECH is telling me that they are about to report a late payment for this month while I am in the process of the loan modification with them. I have tracking of the documentations that I sent to them. My account is XXXX ACCOUNT. I requested a copy of the recording of the sale and original contract. They never sent it because it does not exist. Ditech does not have a Bond to collect in the STATE XXXX FROM THE ADDRESS THEY ARE LOCATED XXXX.

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 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
We paid our Mortgage payment to Ditech electronically on XXXX XXXX of 2016. They were going through what they call a system upgrade and our payment was never posted. They started calling us that our payment was late and I faxed them a copy of our bank statement that clearly shows the payment. They do not dispute this but they have still failed to credit us the payment and as such every payment we have made since then has been credited to the month before, thus showing us as " unpaid '' for the current month. They have placed negative and inaccurate information on our credit report and continue to call and harass me and my husband. My husband has a XXXX and we can not afford to have any negative information on our credit report. This has affected us socially as we argue over it, it has affected us financially as our credit has been devastated and this has affected me XXXX as I can not sleep and get so upset when they call that my XXXX and I have to lie down. We have done nothing wrong and are being destroyed on many different levels. My time is also worth something and they have wasted several hours of it.

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