vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Risecredit, LLC
State: TX

Complaint narrative:
Name of Creditor : RISE Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, TX XXXX XXXX : RISE Amount : {$700.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
Collection Agency submitted invalid debt to credit reporting bureaus but there was no prior contact with me and no ability to dispute. 

I contacted the company once I found it on my credit report and asked for validation of debt. " XXXX '' told me that their company did not usually send out letters or anything in the mail and that is was my responsibility to verify it myself.

Company response to consumer: Closed
Consumer complaint received 2015-04-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC
State: MO

Complaint narrative:
I PAID {$99.00} MONEY ORDER ONXXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNT ON XXXX XXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNTXXXX XXXX AND XXXX XXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNT XX/XX/XXXX. MY ACCOUNT # WITH RISE XXXX. RISE HAS PUT SOMETHING ON MY ACCOUNT WHERE I CAN NOT WRITE CHECKS OR CONDUCT ANY FINANCIAL BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: MD

Complaint narrative:
A debt recovery agency has continuously called by home inquiring about a XXXX XXXX. This person does n't reside in my household and I 've been at my residence since 2008 ( moved from another zip code which dictated receiving a new phone number ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
I may have received calls earlier than this but I 'll start when I first made a note. 

On XXXX/XXXX/XXXX at XXXX PM I received a call on my cell from the number : XXXX but no message was left. I called the number back at XXXX and someone from First Financial Asset Management answered the phone. I asked them what they wanted and they stated that they were looking for someone other than myself, this is my personal cell phone and I 've had this number for over ten years. The person on the other line apologized and I stated that I would like to be removed from any further phone calls and that the person they are looking for has no relation to this phone number. They stated they would honor my request I would n't receive anymore calls. 

On XXXX/XXXX/XXXX at XXXX I received a phone call again from the same phone number : XXXX belonging to First Financial Asset Management . No message was left and I did n't have time to return the call. 

On XXXX/XXXX/XXXX at XXXX I received a phone call again from : XXXX belonging to First Financial Asset Management and called them back XXXX. Again, I asked who they were looking for and again they stated someone other than myself. I asked to speak to a supervisor/manager. I was transferred to another person and I stated again that they have the wrong person/number and that I even called to tell them this on XXXX/XXXX/XXXX. The person at First Financial Asset Management admitted that they showed in their system that I did call and did state this but somehow my number kept being added back to thier robodialer. I demanded that I be removed from their system permanently and to never call me again. The person at First Financial Asset Management stated that they would have my infomation sent to their IT dept who would scrub my information from their system. 

On XXXX/XXXX/XXXX at XXXX I received a call from : XXXX which belongs to First Financial Asset Management , this is even after I specifically told them twice that they have the wrong and demanded to be taken off their calls list and a note made about my phone number.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RAB PERFORMANCE RECOVERIES, LLC
State: GA

Complaint narrative:
In Spring of XXXX, I was service with a summons from RAB Performances, who was collecting a debt on behalf of XXXX Credit Card. The Case Number is XXXX. I responded to the summons within 30 days as required, and denied ownership of the debt. In XXXX XXXX, I pulled my credit report and noticed a default judgment listed for RAB Performances for the amount of {$1700.00}. I disputed this judgment with the credit bureau, and it came back as verified. In XXXX XXXX, I contact XXXX XXXX court via certified mail and requested for the judgment to be dismissed/vacated. I was not notified by the court that a hearing had been set regarding this matter. I was later informed by the clerk of court that the hearing was set in XXXX of XXXX, and the hearing information was mailed to XXXX XXXX XXXX, XXXX XXXX ; I moved to XXXX in XXXX XXXX, which was two years prior to the notice being served. In response to my motion to dismiss, I was contacted by XXXX, XXXX, and XXXX, who stated that they are collecting the debt on behalf of their client, RAB Performances. On XXXX/XXXX/XXXX, my paycheck was garnished for {$350.00}, and my XXXX/XXXX/XXXX paycheck was garnished for over {$400.00}, which has caused a severe financial strain on my household. I contacted them and asked them to verify the original account listed with their office, and they provided the account number of *******************. I informed them that this account number does not match what is listed for this creditor on my credit report, and provided proof. I have yet to receive a response from XXXX, XXXX, and XXXX regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I defaulted on this loan almost two years ago. I called to notify them I would be defaulting. When they called I attempted to make arrangements that I could afford, they said the amount was unacceptable. I repaid the loan amount, not the interest. 
Today a company, XXXX, called my mother and told her I 'd used her information to get a loan and fraud charges were being brought against me in XXXX XXXX tomorrow. 
I called them and said I needed info sent in writing. 
Then my mom notified me the same company, XXXX, called her stepson and told him fraud charges were being filed against me in XXXX XXXX. 
I called XXXX again and asked that they not contact anyone else because they have by mailing address and phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Critical Resolution Mediation LLC
State: TX

Complaint narrative:
Someone by the name of " XXXX XXXX '' with Critical Resolutions calls me repeatedly including calling me from different numbers. Today he called my roomate stating I provided her contact information as a point of contact he disclosed that a case was filed against me. She asked me how they had her number. I would give my family member 's contact information before I give my roomate 's information as a point of contact.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-05-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on the dates below : 30 days late XX/XX/2015, XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Cottonwood Financial Ltd.
State: UT

Complaint narrative:
A phone message was received by several people on my phone contact list stating that I have a complaint filed against me and they should contact " this number '' immediately. I have no idea how they had access to my phone contact list as the people who received the message where never listed on any form or application by me. When I contacted the number the man said " XXXX XXXX ''. When I asked what they do he avoided all questions. Continually stating I am in dire straights and must pay a certain amount immediately to avoid charges of " fraud ''. He has demanded this money immediately and I refused. He then said " I ca n't protest you if you do n't pay. '' I told him if I owe money I will contact the company I owe myself but refuse to send him money. I am so embarrassed that my contacts have received this message. The XXXX XXXX man refused to answer why their company has my private phone number list and why they are contacting people on that list.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I have asked the company to send a statement of how much I owe in order for me to make payments on the account. The creditor stated that by law they are not require to send me a statement with the balance on it and that I was aware of how much I owed. I advised the agent that I did not know how much I have remained on the account. The agent was very nasty and advised me that they would come and take the vehicle that they have a second lien on it. I asked the agent to communicate to me in writing and to cease and desist calls. I am victim of hurricane XXXX that occurred in XXXX County North Carolina. My stepdaughters loss their home and everything they have. I was without lights for 6 days and water for 2 weeks. The company called after I spoke with them in XXXX or XXXX and advised to contact me by mail. I advised the agent I know of the debt and will make payment as soon as I could. The agent began stating again that she would come and take the vehicle because they have a lien on it. I advised her I could not pay anything at this moment because I have been out of work for 2 weeks now and did n't know when I could return back to work due to the hurricane. The agent advised me that the hurricane was two weeks ago and I knew I had the debt before the hurricane occurred. I advised the agent once again not call my phone anymore because I had on a previous conversation advised her to cease and desist all calls. I hung up the phone at that time I felt she was trying to intimidate me the agent called right back and stated that the agency would garnish my wages. I asked her again to not call my phone and I hung up again.

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 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I owed about {$1400.00} to a Urologist for a time when my insurance had lapsed for a period of a few weeks. At the time I had been paying XXXX but was about to have employer based insurance. The doctor told me he may write it off. This never happened. Later I found out they had turned this over to a collection agency and had stopped allowing me to see my physician. I immediately agreed to pay what I owed to the doctor. Recently I questioned the amount and somehow it conflated to {$1800.00}. I asked why. They explained the debt collection agency charges 33.33 % interest so I 'm paying for the debt collector. I was under the impression I was only to be billed what I owe and that it is not my responsibility to pay for the debt collector.

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 2016-09-14 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
I am going to be mailing in a complaint about Advantage Financial Services, a collection company in XXXX, ID. They have in the past tried to collect medical bills from my wife and minor daughter. They also violated other parts of the FDCPA. I have discribed each violation and will including all the and supporting documents. What am looking at now is robo-signing by Advantage Financial and their attorney has to know what they are doing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NRA Group, LLC
State: MA

Complaint narrative:
National recovery agency appeared on my credit reports for a debt that I do n't owe. It was on my credit reports as a bill I supposedly owed to a utility company. I have been fighting this for years as not being mine but still they persist on keeping the information as it is. I have disputed this debt several times as it shows on my reports as disputed. I would like your agency to investigate this matter because this supposed collection is hurting my credit health

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
Investors Bank in NJ changed the type of checking account I have without my consent because they said they eliminated my type of account. They did not give me 30 days advanced notice before this change took place. The new terms on the account began on XXXX XXXX, 2016 the letter telling me there would be a change was received within the same week. I have had my account for 8 years and was not charged by Investors Bank if I used an ATM that they did not own. Now I am being charged {$3.00} for each of these types of transactions over XXXX. In the first two weeks of this change I have already been charged XXXX fees and the bank did agree after some arguing to reverse XXXX of the XXXX fees. Had I been given the advanced notice I may have chosen to look for a new financial institution since the only ATMs that will now be free are the ones Investors Bank owns, which there are about XXXX only located in the state of NJ.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
Rushcard promises two day early direct deposit. My dd usually comes no later than XXXX XXXX one day before my payday well still no money. And customer service has been unreachable for 3 days now. Yesterday I called XXXX times and was on hold XXXX to XXXX min a piece only to be hung up on. My online account access has been locked since XXXX since then I have not been able to reach customers service. I switched to another card company but still have XXXX more direct deposit coming from my job. I have to leave town for a job interview today and can not go because I have no money. I have XXXX kids and I need to feed them. This is no joke this is my hard earned cash I plan on obtaining XXXX attorney if I do n't hear anything by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MD

Complaint narrative:
RushCard made by XXXX XXXX has done something where the systems has locked and frozen peoples a counts all through out the nation. I am one of the people that is affected by this. Im sure this is n't the first compliant. This has been happening since XXXX. Im very upset by this as also many more. I have bills that need to be paided that dont care that my account is frozen. They will not awnser the phone or contact any one. If you call they hang up on you.I want my money and tp be away from this whole issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
I was notified by email that there would be an update to the system which occurred XXXX XXXX 2015. I checked my account after the update and my money that was previously on my card was gone. I did n't panic thinking that the update was n't over yet, so I waited until my direct deposit went through on the XXXX of that same week and to my surprise nothing, zilch, XXXX, it was then that I decided to call but was put on hold for several hours and when I could n't get through I sent several emails. I then called several other times even staying on hold for as long as XXXX only to be hung up on, and when I finally did get through no one could help me at all in fact the representative seemed to be in the dark as much as I am. Fast forward it has now been 10 days of the same thing, it is now the XXXX and nothing has been done and my money is nowhere to be found. I am extremely frustrated but it feels like I will never see my hard on money again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Express Cash Mart Management
State: IL

Complaint narrative:
I started with an installment loan of {$200.00}. I have been paying on the loan since XXXX. It has noe accumulated to over {$600.00}, and the company assigning my wages. I never saw a court order and sent a letter by certified mail to stop the assignment. How long can they collect? Will the letter stop the wage assignment?

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 2015-12-28 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.

Company response to consumer: Closed
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Express Cash Mart Management
State: WI

Complaint narrative:
They contacted me by email and telephone. I made payment arrangements to make a payment on XXXX/XXXX/2015. They are still sending threatening emails and called my employer and a family member. My family member just called me wondering if I was ok. They did this on XXXX/XXXX/2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: MO

Complaint narrative:
I get at least one call a day, Monday thru Saturday, from a XXXX XXXX from the National Recovery Agency. This is a robo-call and she leaves a message on the machine. There is no live person to talk to. I am a XXXX-year old XXXX, own my own home, have no bills except for the utility and credit card bills, which are paid on time, every time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade and their affiliates can not be trusted. XXXX states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, XXXX will not provide me with an arbitration agreement. Because of this and many other issues, I am refiling this complaint against Scottrade for the fifth time with the CFPB. 

Consumers beware, I have filed more than XXXX complaints against XXXX trying to get a copy of the arbitration agreement and each time Scottrade responds with a boilerplate letter saying " we consider this issue closed and will no longer be responding ''. 

In 2013, XXXX Bank illegally offset my XXXX bank account when conspiring with their affiliates XXXX and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested XXXX Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, XXXX Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against XXXX Bank.

Company response to consumer: Closed