vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-20 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I started receiving many calls from numbers I did not recognize. It is an issue in the fact that at times they did not leave a message at all and others, the voicemail that was left did not have anyone talking to me, just noise in the background. On the instances that I have answered any of these calls, the caller recited that it was " a recorded call and an attempt to collect a debt, '' in which I responded by requesting that they stopped calling. These calls have not stopped. I have received them at all hours of the day, sometimes back-to-back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Midwest Recovery Systems, LLC reported to the credit bureaus that I had an account placed in collections. According to XXXX data the company placed the account into collections on XXXX XXXX, 2016 and reported an unpaid balance of {$480.00}. Midwest Recovery Systems, LLC indicated that the Date of 1st Delinquency XXXX. I was never notified in write about the attempts to collect a debt nor any information sent to my address indicating what I had a debt with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
Spotloan.com is an illegal usury interest rate scram that charges 1000 % usury interest rates # XXXX they do not have the license to charge these or make these illegal transactions. they outsourced the account to XXXX XXXX, that has consistently harassed me. ( XXXX ) regarding their attempt to collect an illegal transaction aand should be charged with elder abuse because I am XXXX years old.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: COMMERCE BANK
State: CO

Complaint narrative:
I purchased a new motorcycle ( XXXX XXXX ) in XXXX 2016 which was financed through Commerce Bank. I put down XXXX dollars cash as downpayment and via trade in. I was hit by a car and the bike was totaled on XXXX XXXX. My insurance company covered the accident and sent the entire check to Commerce Bank rather than just the amount due on the loan. Commerce took several weeks to send me a check for the balance. In the interim I purchased another motorcycle ( XXXX ) and it was financed through Commerce Bank again. 

When I purchased the XXXX, I bought an extended warranty for {$2400.00} from the dealership. I was able to cancel this warranty but the warranty company sent the check to Commerce Bank. That 's where the problem began. Commerce Bank received the check on XXXX/XXXX/2016. I had to call them several times to get them to send me the check. I finally received a check from them on XXXX/XXXX/2016, over two months later. I deposit the check on that day. 

Today I checked my bank account, and Commerce Bank stopped payment on the {$2400.00} check and the funds were removed from my account with no notice to me. My XXXX charged me {$5.00} for the Return Fee on the check. 

I had no notice from Commerce Bank that they were stopping payment on the check nor any reason they would do this. Commerce Bank has stolen {$2400.00} from me and caused my financial institution to charge me a {$5.00} for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: WA

Complaint narrative:
I do n't know how much they are charging in fees because the debt collector wo n't mail me a statement. He says he needs a payment arrangement before he sends me anything in the mail. When he called me, for the second time at work, and I answered him for the first time, he accused me of having a blaze ' attitude and shamed me for ignoring him. He was very unprofessional. When I requested he mail a statement, he said he could n't do that unless I gave him a debit card. I just want something to be sent to me in the mail. He scolded me for not calling him, and I told him I only respond to letters when collections are involved, but no one has ever sent me anything from his company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: GOLD KEY CREDIT, INC.
State: NJ

Complaint narrative:
I have been making payments for 6 months to the original creditor but I was harrassed constantly on the phone by his collection agency, and this collection agency is attempting to bully me into paying them by illegally reporting a collection debt on my credit report.

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 2015-11-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: NY

Complaint narrative:
I opened an account with Scottrade several years ago and bought a few low-price stocks to make a little money ... After 5 years, I sold some of these stocks at a profit and attempted to remove my money from the Scottrade XXXX ... no go. They gave me all type of hoops to jump through and my money is still tied up in Scottrade with seemingly no way for me to remove it. So, in other words, they are quick to take your money but make it extremely difficult ( in my case, impossible ) to get it back out ... I am about to get the XXXX and FDIC involved just to get my liquid cash out of this account ...

Company response to consumer: Closed
Consumer complaint received 2016-08-12 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: CA

Complaint narrative:
We keep getting a message from debt collector ( phone number XXXX ) every week for over a year. I call back to tell them I 'm not XXXX XXXX please remove my phone number from your system but they hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have asked Cach LLC to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Dear Sir/Madam, Recently, Scottrade XXXX made the following disclosure to customers : https : //about.scottrade.com/updates/cybersecurity.htmlI would like to know if Scottrade Bank was also involved in this databreach. 

Sincerely Yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Delray Capital, LLC
State: CA

Complaint narrative:
I received a phone call from the following phone number ( XXXX ) XXXX from a woman named XXXX XXXX, she phoned me at my job on Wednesday XXXX XXXX, 2015 about XXXX claiming to be representative of XXXX XXXX which is where I currently bank, she stated that something happened with my account and that was the reason for the phone call. I requested the phone number to return the call and she stated that the call would bypass her secretary and go directly to her. I looked the phone number she gave to me online and found out it is a debt collection agency named XXXX or Del Ray XXXX, so when I called this same lady answered the phone still claiming to be a representative of XXXX XXXX Bank. When I asked her for verification she proceeded to give me my old banking information. I informed this lady that I do not want her to contact me at work again and that I would be reporting her fraudulent behaviors.

Company response to consumer: Closed
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
SOURCE RECEIVABLES M ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SOURCE RECEIVABLES M or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOURCE RECEIVABLES M or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 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 2015-04-01 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: Source Receivables Management LLC
State: FL

Complaint narrative:
I do not know if the company is a fake or not. I request that they provide me with information of the amount I owe in writing and they refused to send me that information. They state that they sent me a letter 10 months ago. I explained that I did not get such a letter and ask them to provide me with that information. A manager named XXXX refused to sent me that information. Moreover I explained that they continue to call me on my cell phone and have requested that they reframe from doing this practice and contact me via mail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
Put money on my card on XXXX XXXX 2015 and I 'm still waiting for it to be credited to my account I have called a whole bunch of times to the XXXX number is the XXXX number to get hung up on that is the runaround I 've left messages via rush card via XXXX XXXX unirush ... too no avail..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade and their affiliates can not be trusted. Scottrade states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, Scottrade 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 5 complaints against Scottrade 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 the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution?

Company response to consumer: Closed
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: MA

Complaint narrative:
I had hade a XXXX, and a company XXXX XXXX remote services had sent me a XXXX that would check my XXXX once a month, I received notice the XXXX was discontinuing this service and for me to send the equipment back to them, which I did. For the next few months I would get a phone call from XXXX calling to check my XXXX, I explained that I had returned the equipment at the request of the company. 
Evidently they were still billing XXXX and of course they would not pay because they were not providing the service any longer. 
And XXXX started trying to collect from me. I had explained that I no longer had the machine nor was there any service provided. 
But it fell on deaf ears. I filed the paperwork necessary to prove my claim several times, but to no avail. I am at my wits end as to how to make this collection claim go away. It is not a lot of money about {$60.00} I think, but it is the principle od it I do not owe it. 
I have contacted the collection agency several times and they tell me that they can not provide me with the original bill, as XXXX has gone out od business. I feel tat this is some sort of scam and I need your help to resolve it. 
Thank you,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
I have a rush card. They claim to have had a system update 3 days ago which was only supposed to take 3 hours. It 's now going on 4 days and I have no access to my money. I missed worked today because I ca n't buy gas. I need groceries for my family. I call the customer service line and I get hung up on it told to call back. No answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: SQUARETWO FINANCIAL CORPORATION

Complaint narrative:
I DO NOT KNOW?, I live in XXXX, and after signing up on karma, XXXX to 8 months later these XXXX ( XXXX ) remarks shows up on my credit history. 
I written to both companies over two ( 2 ) weeks ago and no response, using your cfpb letters. 
I want these wrongful remarks off my credit history.

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 monetary relief
Consumer complaint received 2016-09-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: MN

Complaint narrative:
Statement from " Ability Recovery Services LLC '' Reference # : XXXX University Total : $ XXXX States they must commence the collection process because I have failed to respond to previous correspondence on the above identified account. 

*There is no way I owe XXXX to XXXX, but wow ... if they would like to offer that amount to me that would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Ray Klein, Inc.
State: SC

Complaint narrative:
In XXXX 2016, I attempted to reach out to Professional Credit Services located in XXXX, OR for a collections account that is related to a medical bill. During the conversation, the agency stated they would investigate this account ( when I never requested this ) and never sent me any information about this collection so I can understand what medical insurance documents I had to send to prove it was paid. I am not certain how something can be investigated if I never got any information about it and I am unsure what specifically they are attempting to collect. According to the credit bureaus, the collection is for the amount of {$540.00} originally and now it is stating it is {$770.00}. Firstly, I attempted to go on all credit reporting agencies sites ( XXXX, XXXX and XXXX ) and it does not allow me to dispute because the collections agency Professional Credit Services recently updated their commentary on the account. The commentary on the account is not right! It says that the consumer disputed and the account is FCRA compliant. How is the account FCRA compliant if I never received any documents about this account and any evidence that the fees charged are valid. Under FCRA it states, '' report results to the consumer, generally within 30 days. '' It is more than 30 days at this point. There is no paperwork to denote the accuracy. I am requesting that the collections be removed from all bureaus due to noncompliance by this collections agency to properly send information pertaining to this account and adding on additional fees that were never identified or properly explained.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ability Recovery Services, LLC
State: MA

Complaint narrative:
I had a missed call from them I called back she started off with an attitude I told her that my computer is broken so I could n't do my schooling I work to much to get to a library and my friends do n't have an extra computer to borrow she told me the balance and she offered {$15.00} a month I said that 's fine no problem but I had to get back to work told her to call me back after XXXX. She called back and I had my boyfriend answer they one did n't asked him to verify my info and they disclosed to him that the call was about a debt. I gave them my okay to speak to him after they disclosed. they were giving him a hard time and he asked to speak with a supervisor or manager and they said no they said that they are not gon na be calling and any more communication will be written .. I never said I wanted that the lady ended call after. we called back and was pretty much begging for a supervisor the male kept saying we were very rude and he wont assist us. and kept hanging up on us. I have recordings of this going on also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft. I filled out an affidavit with a notary I also have a police report. I mailed, faxed and email my document to Common Wealth Financial Service beginning in XXXX. I have called numerous time to get my situation resolved. I have yet to receive any details of the bill who I owe and why I owe. It has been well over 30-60 days. Each time I call in I get the run around from very unprofessional representatives. We are waiting but never given a description of what.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 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: FL

Complaint narrative:
This collection company does n't abide by the laws set forth by the FDCPA and have made clear violations of FDCPA 809 ( b ). I was never contacted by this company regarding a debt they were collecting on. I found out by credit monitoring service that reported new collection activity. After reviewing my credit reports I disputed this collection account with the XXXX of the XXXX major credit reporting agencies ( XXXX and XXXX ) as XXXX was not reporting such account. Both disputes with XXXX and XXXX came back as verified so I sent a letter to Ability Recovery Services requesting validation of the alleged debt on XX/XX/2016. They failed to respond yet continued to update their collection status on XXXX and XXXX and even started reporting to XXXX. I had to file an initial complaint with the CFPB regarding their lack of response to my request and their continued reporting of alleged debt. They responded with their documentation and claimed that they mailed a response to me on XX/XX/2016. I never received such response. They attached the documents they claim they sent me and both documents are dated after XX/XX/2016. Regardless, their continued and new credit reporting and collection efforts occurred between the time they received my request for validation and the time they claim they responded to my request. I am hereby filing a complaint against this company for their violations of FDCPA 809 ( b ).

Company response to consumer: Closed with explanation