vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SQUARETWO FINANCIAL CORPORATION
State: NV

Complaint narrative:
My credit card company sold my XXXX debts for XXXX and XXXX to a company called CACH , LLC. A few months ago I contacted this company to pay this debt and spoke to a representative who assured me that If I paid the balance in full they would remove the debt from my credit reports. I told them to give a day and I would have it for them. I called back the next day and spoke to a new representative who told me that they would not remove the XXXX debts from my credit report and then my balance owed changed to XXXX dollars total. when I explained that the balance was not correct and I was also assured that my debt was supposed to be removed upon full payment of both debts, and that I wanted to speak to a supervisor, she hung up on me. Since that time I have been consistently calling trying to take care of this debt and I have not been able to reach anyone since.

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 2015-10-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
Rush Card did routine maintenance to a new server on XXXX XXXX, 2015. It has since then not deposited people 's money into their accounts. Mine included. My husband and I are awaiting our paychecks via our direct deposit to our Rush Cards. Customer service numbers hang up on you, the website is now down ( again ) and NO ONE is calling back or reassuring that our money is safe and will be to us as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION
State: GA

Complaint narrative:
CACH violated FDCPA 1692-I by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XX/XX/XXXX and dismissed on XX/XX/XXXX while the case was being held in XXXX XXXX GA as of XX/XX/XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XX/XX/XXXX. FDCPA 1692F -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XX/XX/XXXX-XX/XX/XXXX showing persistence and determination to continue violations of FDCPA 1692. The unfair debt collection practices violating FDCPA 1692F to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XX/XX/XXXX the bill of sale and affidavit from XXXX XXXX to Defendant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Gold Key Credit , Inc., filed on my XXXX, XXXX and XXXX reports I owed them a debt. I sent several written notifications to verify and validate the allege debt. Gold Key Credit , Inc., has refused to verify or validate the date. I requested a copy of the contract signed by me that obligated me to pay Gold Key Credit , Inc., it has also refused to send me a copy of the allege contract showing my signature. 

Also, this allege account has someone else 's address. It was placed on my XXXX, XXXX and XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NRA Group, LLC
State: NY

Complaint narrative:
debt just showed up on my credit statement with no notice of right to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 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:
ntl recovery agency keeps trying to collect a debt for XXXX i never had 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 2016-06-03 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
I have had Rush card for over a year now .. I just bought a new car in XXXX i had my card info in the car due to them needing my bank info, I was sick and did not remove it from my car it had my pin number on the envelope. I had left that my card and meds in the car. someone got into my car and took all my things and drained my bank account. I filed a dispute form on XXXX which they stated in less then 10 days there was no error in my account and closed the claim. Stating i had to file a rebuttal letter which i did on XXXX XXXX. I have called them at least 50 plus times i keep getting the run around.I still to this day have n't received a letter from them which i have requested 8 times. I called again yesterday XXXX to see the status which they said they closed my case again i had them transfer to me to a superior who then claimed i never sent a rebuttal letter and to resend it again and is claiming i have to wait another 90 days for a response. It was over a thousands dollars taken out of my account. I could not make my rent or car payment. Someone stole my card and used it and they are refusing to give me my money or a report on why they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
I continue to receive calls and voice mails from this collection agency and I have told them repeatedly I do not know the person they are looking for. This is a new home phone number that I recently received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
I got an alert from my credit monitoring stating that there was a new collection added to my credit report and when I pulled my report I saw Ability Recovery services. I do n't know who they are collecting for or for what reason, I never received an early warning notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Ray Klein, Inc.
State: ID

Complaint narrative:
professional credit Services placed an account on my credit that does not belong to me and it is damaging my credit. I have tried contacting them to provide proof this account belongs to me and they have not or responded to me for that matter.

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 2016-07-08 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: FL

Complaint narrative:
On XXXX/XXXX/XXXX I was treated at the XXXX. in XXXX XXXX. I was treated and released. I am a XXXX Veteran insured by the XXXX. Due to a glitch in the system, I did not have my ID card. Medicare paid part of the bill. I submitted the bill to the XXXX for payment. Thought it had been paid. When we went to inquire about refinancing we we told that our credit score had dropped due a collection agency named Commonwealth Financial CFSI. I was never contacted by this agency or asked to defend the charge of {$960.00}. I have been trying to get this resolved since XXXX XXXX. They have been sent numberous pieces of documentation stating that I was insured by the XXXX. My Doctor gave me a statement on a XXXX form which stated that I have been a XXXX patient since XXXX/XXXX/XXXX to present day. I sent this along with a letter and my ID card to the agency. I was told that if I gave proof of my elegibility as a Veteran that the debt would be cleared. My wife spoke with many reps there and General Manager XXXX XXXX, XXXX, XXXX XXXX, XXXX. She calls on a weekly basis, each time they say it is with client relations and call back later. In early XXXX they said it was sent back to XXXX XXXX XXXX. Call again for status. They had not heard back. Today XXXX/XXXX/XXXX over XXXX later, she is informed that the account is on hold for 60 days and that XXXX XXXX XXXX is rebilling the XXXX XXXX. This is a clear violation of my right as a Veteran who has served his country and always enjoyed excellent credit. This bill is not my responsibility. Please help get this issue resolved so that we can get our credit score where it should be. This is not way to treat a Veteran Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 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:
I received an alert from XXXX that an change was made to my credit report. I then determine the change was the reporting of a {$1400.00} medical collection debt from Common Wealth Financial Systems. I have received no prior correspondence from Common Wealth prior to negatively impacting my credit. I then contacted them via phone and was informed that it was for a 2012 XXXX bill for my daughter. I informed that Collections agent that I was not aware of any charges due from 2012. How is it legal for the Collections agency to impact my credit without me receiving a notice of right to dispute?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
I have a lot of Medical bills on all XXXX of my credit report that do n't belong and i have been trying since last year to have them remove plus other fraudulent stuff that has been removed and put back on my credit i do n't know what else to do so i am going to download all the information i have!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK
State: VT

Complaint narrative:
In XXXX, 2015 I received a pre-qualification letter for the Discover It card, advertising a 0 % APR for purchases and a 0 % APR for balance transfers for XXXX months. I only had one existing credit card, a XXXX Rewards card, with a balance of around {$7500.00} at a 9.99 % APR. Even though 9.99 % is a fairly good rate, I figured I would apply for the Discover It card and take advantage of the 0 % balance transfer for XXXX months. I applied online and was initially denied. I then called Discover to ask why I was denied and, after a conversation with a supervisor, they changed their decision and agreed to the terms in the offer, 0 % APR for purchases and balance transfers for XXXX mos., and then a XXXX APR thereafter. However, they set my initial limit at {$1000.00}. Since the whole reason I wanted to open the card was to enable a sizable balance transfer, this was unhelpful and so I was not going to go ahead with opening the card. However, the Discover supervisor I spoke with assured me that if I used the card frequently during the first XXXX months, paid it off each month and then called back and ask for a credit line increase by the XXXX XXXX, 2015 deadline for making balance transfers, I could get a credit line increase and then make a larger balance transfer. I did all of that. But when I called Discover today XXXX XXXX XXXX XXXX, they told me that they only consider credit line increases after three months, not two. This means that I am unable to take advantage of the balance transfer offer that was made XXXX at least for anything beyond {$1000.00} XXXX, which was the only reason I opened the card in the first place. To make matters worse, the APR I was given by phone - 10.99 % after the 0 % intro 12 mo. APR - has been changed to 22.99 % starting in XXXX XXXX XXXX months from card opening rather than XXXX XXXX. There is no way I would consider a rate that high -- my existing card is 9.99 % APR! I was either lied to or deceived XXXX by Discover, first about the ability to increase my credit line before the balance transfer deadline and second about the post-intro APR APR that we agreed to ( 10.99 % ). A Discover Supervisor, XXXX, claims that she is looking into the issue and will refer it to Discover 's legal services department. I hope that they find the initial phone call during which all of these terms were told to me by another Supervisor. They will find that he lied to me in order to get me to open a card with them. I do n't know what can be done, but I hope that Discover is held accountable and honors the original agreement that was made. My advice to people talking with credit card companies is not to trust verbal agreements by phone. Or, at least, make your own recording of the call so that you have a record of the commitment that was made. Unfortunately, I am now at the mercy of Discover finding the recording of that phone call, which they say may happen, though I am doubtful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21 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: FL

Complaint narrative:
I do not owe Common Wealth Financial for a debt. I did not go to the hospital on the date they have listed for this transaction XXXX/XXXX/2013. I have had to dispute items with them before and they were removed because they were placed in their office in error and I believe that this had been placed within there office as an error again as well. I have a previous letter of Placement in error from them for past issue with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
A collection agency is reporting on my credit. I attempted to contact them via physical mail regarding this issue without response. I would like to verify this debt is legitimate & if so, agree on a settlement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
My client paid off his loan on a mobile home trailer in XX/XX/2017. Ditech Financial, LLC claimed to have mailed the original to the property address, but inadvertently left off the trailer number. Therefore, the title had not been received. Ditech then sent copies, where were useless, since the Department of Motor Vehicles is requiring originals. When he called to request that a duplicate original be sent to his current address, he was informed that the title had been sent the original lien holder, XXXX, located at XXXX, XXXX, LA XXXX. THIS COMPANY IS NO LONGER IN BUSINESS. Subsequent requests have since been made for the lien release and original title to no avail. The Department of Motor Vehicle is requesting the original title. Ditech refuses to send the original title to property on an account that has been paid in full. Every phone call is to a different customer service representative who is rude, impatient and armed with false information. The customer service representatives refuses to let you speak to a supervisor and claim to take notes at the time of the call. When you call back to ask about the status based upon notes taken during the last call. There are no notes in the system.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: RI

Complaint narrative:
XX/XX/XXXX I mortgaged ( through a HARP loan ) my property located at XXXX XXXX XXXX in XXXX, RI to Green Tree XXXX and had my taxes escrowed. Taxes on this property are $ XXXX/yr. ( $ XXXX/quarter ). An amount of {$350.00} was transferred from the previous lender into the new escrow account. Monthly escrow was set at {$180.00}. XX/XX/XXXX they paid the quarterly taxes of {$560.00}. In XXXX they paid the quarterly taxes but in the wrong amount. They paid {$580.00}. The tax collector called me and alerted me to a problem. I called the bank and I thought it was all taken care of. 
XX/XX/XXXX they paid {$560.00} which was the correct amount. But in XXXX they paid {$1100.00}. The amount they paid was a combination of my XXXX properties. Again XX/XX/XXXX they paid {$1100.00}. XX/XX/XXXX I received an Escrow Disclosure Statement telling me I am XXXX dollars behind in my taxes. I have sat on the telephone with the bank from XXXX of this year until last week when I finally gave up. They have people dunning my account and telling me to pay up or else. XXXX XXXX XXXX unnamed ) and I had a shouting match and he told me if I did not pay all of this money owed they would foreclose on my home. I did not do anything wrong. They made the mistake and they need to fix it. Every time I called them to get things straightened out they said they needed to investigate and after each investigation they always came back with the same results and that is I owe them XXXX dollars and I better pay up. I have only had this mortgage for one year and it should not be that difficult for them to figure out what they did wrong. I am at wits end and need help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Funding LLC, is inaccurately reporting information on all of my credit reports. I submitted a debt validation request to Midland after reviewing my credit report and I received paperwork from them to fill out for a fraud claim. They did not address the inaccurate reporting. A party who purchases a debt that is in default is not a creditor. Midland is not my creditor. I have attached a copy of mycredit report showing where MIdland has inserted multiple creditor tradelines into my credit reports. This reporting is frivolous and inaccurate. Also I attached a copy of the letter that XXXX Midland certified return receipt requested. 

Midland is not my creditor. I have not signed any contract to pay any monies to Midland. I have no payment history with Midland but they are supplying payment history to credit reporting agencies. 

Midland is not my creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I was contacted Wednesday XXXX/XXXX/15 at XXXX CST by University Accounting Services/XXXX regarding my account and the status. I was previously asked the same questions from another phone call I received on Wednesday XXXX/XXXX/15 at XXXX CST such as when I could pay the account in full, when my next payment would be made, etc. As I explained on this call, I was disputing this balance with my college and I was making minimum payments, as I can, each month but I was unable to pay the account in full. I had marked on my online account to not be contacted by an automatic dialer on their TCPA Authorization. When I asked XXXX why I was being contacted a week later, he advised it was because my account was on the automatic dialer. When I advised that I had previously not given consent to be contacted in this manner, he stated he would have to review with supervisor. After reviewing, they removed my name from the list. I asked what steps I could take as far as already having my name on the no authorization list - no steps given, just to allow 24-48 hours notice. I receive calls from the company while I am working. When I try and contact the company back, the line just rings and places you on hold, never allowing an agent to answer the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This company reported a Debt to the credit bureaus that is not mine, this is a fraudulent account that was opened in my name, I reported this fraudulent activity to the police and the FTC. This same debt was reported to my credit last year and the credit bureaus verified and deleted this account. also I found out that this is a new collection agency trying to collect on an account that is not mine and I clearly had this account investigated a year ago. I also am a XXXX and I live on campus, I did authorize the company to call my school for proof, I do not pay for any utilities and I do not have any utilities in my name, My college pays for all room and board with my financial aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A few years ago someone opened a cell phone account with XXXX in my name and did n't pay the bill. I reported this to police. Midland Credit has been trying to collect the debt ever since. I have sent them a copy of the police report and requested verification under the fair credit act. I sent XXXX as registered mail and received confirmation via USPS that they received my request. They never responded to the verification as required under the law. They continued to call and mail letters to attempt to collect the debt. I spoke with them in XXXX and they said due to the above they would cancel the debt and report to the credit bureaus. In XXXX, they once again attempted to collect the debt.

Company response to consumer: Closed with explanation