vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Delta Management Associates, Inc.
State: IL

Complaint narrative:
After initially talking to Delta Mngmt. collection agency, we agreed upon a repayment plan for me to get out of default. After sending them XXXX stubs proving my employment, they contacted my employer thru fax and multiple calls to speak with me when I was there and was not. After I finally answered XXXX of the calls and told him to never contact me at my place of business again, he would not take no for an answer and continued to try to talk to me about my debt. My debt collector 's name is " XXXX XXXX '' ( sp? )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
According to a number of recent articles released today, such as XXXX Scottrade Bank as well as Scottrade XXXX was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade XXXX XXXX is the victim which means the hackings encompassed both Scottrade Bank and Scottrade XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-01-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: OK

Complaint narrative:
There was a debit or XXXX debuted from my rush card on XX/XX/2016 and I did not authorize such a transaction XXXX XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NV

Complaint narrative:
I have been a cardholder of rushcard for over 8 years. I chose to use rushcard for my payroll direct deposit and have trusted them for my financial services. Since XXXX/XXXX/2015 I have not had any access to any monies on my prepaid debit card and I am unable to perform any transactions such as paying bills or withdrawals. This has affected my daily life tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sent XXXX debt validation requests to CACH LLC and they have ignored all of my requests. I do not recognize this debt and I need proper validation.

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 2015-03-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
1. Hospital visit XXXX XXXX. My employer provides health care at 100 %. My Health Insurance company is XXXX3. XXXX paid the medical billsXXXX. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor. 
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency. 
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company. 
8. The item is removed from my credit report. 
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report. 

Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor. 
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago. 

My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report. 

I need your help to stop this once and for all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
Hi, I have noticed on my credit score report that I have a debt under collections from a COMMONWealth Financial Systems. I have tried to contact the organization in regards to my bill that was first charged for {$170.00}. However, after seeing my credit score report it says I own {$510.00} and I have not received any letter saying why am I being charge for, who is the provider, and why I have not received any letter notification. After speaking with several representatives at Commonweath Financial System, I have been treated very rudely, unprofessional, discriminatory ( due to my english being 2nd language/the debt collector was correcting my grammar in offensive way etc. ). I have tried to understand why am I being charge the amount, and why the amount has changed. The reply from the debt collector named Mr. XXXX said : " it is a XXXX bill, you can pay me {$350.00} and we will settle with that ''. Constantly, ignoring my questions and ignoring to further explain what is going on. I asked Mr. XXXX : " This means you are requesting my credit card number right now, with all my personal information without giving me any explanation or written form? ", Mr. XXXX, replied " Yes ''. I am afraid and confused on what is going on, yet I can not get any explanation. 
If this bill proves to be mine and accurate, I will do the best of my ability to take care of it. Please, provide me with an advice, suggestion, anything that can help remove this confusion. 
Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 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: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I began receiving notices from Ability Recovery Services who is or represents XXXX. when I received the initial contact it was months ago via voicemail messages left stating that I owe them XXXX and I need to pay or else. Months have passed and now they pop up on my credit report. On XXXX XXXX I sent a formal request to send proof of my ownership of debt, their response was just another collection letter not responding to my request for proof. They are now reporting to all XXXX bureaus me owing {$22000.00}. It 's been over 31 days and they have not marked my account as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Credit International Corporation
State: ID

Complaint narrative:
The man who called was speaking to me with a nasty tone and asking questions that were discriminating towards me, asking me " why are you talking so fast '', and you have a bank account dont you, very snotty, and talking to me very derisevely he made me feel like I was some kind of a low life and was asking for information that he did not need to know, when I told him I have no income and that my husband was the only XXXX with income he asked me where does my husband work, to which I told him that was none of his business, then continued to get very nasty with me still saying how he was gon na make the recommendation to the company that I didnt have a payment arrangement and wouldnt allow me to speak and told me have a nice day very very nasty like and literally hung up the phone on me. His name was XXXX, and I have never had anyone make me so angry so fast and talk to me in such a way, I felt like crying afterwards and he made me feel like I was being ridiculed by a parent and I was a child.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commonwealth Financial Systems, Inc.
State: CO

Complaint narrative:
Left voicemail saying they were about to take me to court over a debt from " XXXX '' that is more than 20 years old, plus it would have been discharged in my 2012 bankruptcy filing. When I stated I was aware that they were scammers, representative used abusive language and called me names, then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have contacted you regarding a collection agencies that will not stop trying to collect a medical bill that can not be paid by insurance for not having the copy of the actual bill. All three of the companies are affiliated with XXXX company. XXXX XXXX XXXX. XXXX of the collection agencies have been resolved and removed from my credit reporting. I thank you for looking into this to matter to re solve this complaint, 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 2015-06-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I received a notification via a credit monitoring service that an account was placed into collections in my name on XXXX credit reporting system. The original creditor was listed as XXXX XXXX XXXX Hospital XXXX XXXX XXXX, and the collection agency was listed as Commonwealth Financial Systems , Inc . 

I called XXXX because the alleged debt would have been incurred six and a half years ago in XXXX 2009. I had already been advised by XXXX that my account was paid in full several years ago. When I spoke with XXXX they advised I did not owe anything and that they had not sent anything to a collections agency whether it be in the form of referral or by way of selling the debt. 

I called Commonwealth to discuss why they 're attempting to collect a debt which I had never received any communication, written or verbal, about the alleged debt. Commonwealth said they purchased the debt from XXXX XXXX, and that they " were not required '' to disclose to me the original creditor ( which is an inaccurate statement ). These phone calls were recorded, so this information can be validated. They also stated they had no information on the debt and refused to speak with the billing manager at XXXX, despite my authorizing her to speak as a third party concerning my account. 

I now have an account in collections on my credit report for which I was never invoiced, from nearly seven years ago. I am in the process of background and credit checks for a new job and I could lose this job opportunity as a result of this inaccurate information being reported to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
There is a company called Commonwealth Financial reporting I owe a medical debt which I have not been to the hospital in many many years. I feel this is a mistake. I have disputed and it resolved nothing. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 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: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
The debt is from an overdrawn checking account from XXXX sometime around XX/XX/XXXX. The representative for ability recovery agreed to remove this debt from my credit report if I paid in full. around XXXX/XXXX/XXXX I made the payment of {$130.00} from my XXXX account. This is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
My credit report shows a collection account by XXXX XXXX XXXX for something called " XXXX XXXX ''. I sent the attached letter to XXXX XXXX XXXX requesting proof in the form of a signed document by me stating that I am responsible for this account and to date no one has responded to my request. I believe this is a violation of the Fair Credit Credit Reporting Act. My identity was stolen and I am only finding out about it now as I went to apply for a credit card. I am demanding strict proof that this is my debt and I want to see where I signed for this loan/credit card or whatever the original debt is. It has been over XXXX since since I made my request and this is hindering my approval for an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
World finance Corp is inaccurately reporting on my credit, this account is reflecting open which is impossible because the account is charged off as well as the date of last activity is reporting different on transunion and XXXX. The date of last activity is imperative to credit reporting because it directly affects how long an adverse account will be reported on your credit. I disputed this account and it came back as reported accurate. This creditor is in violation of federal and state laws and I will follow up my complaint with the Texas consumer credit commissioner and the Texas attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX on XXXX/XXXX/XXXX, I paid my co-pay during the visit. XXXX XXXX XXXX XXXX tried to use incorrect insurance information ( XXXX XXXX XXXX ), when I 've had XXXX XXXX XXXX XXXX of Texas insurance since XXXX of XXXX. 

XXXX sold/contacted CommonWealth Financial Systems, they submitted my debt/account to collections on my credit report in XXXX of XXXX. 

I contacted them stating I had insurance, they worked with XXXX to resubmit a claim to XXXX of Texas, which denied their claim stating the submission as 12 months past service date, and I was liable for {$0.00}. 

I will be submitting the explanation of benefits for the original service date, and the resubmitted XXXX from 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 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
We filed bankruptcy in XX/XX/XXXX?? We included a home we have a mortgage with DiTech, so that we 're protected, but we continued to pay the mortgage & still pay every month. We did miss paying the tax payment in XX/XX/XXXX, and DiTech paid it & added it to our mortgage. 
DiTech continues to call us several times a day, morning, afternoon, or evening. I accidentally answered one of their calls & the man claimed we missed 2 payments -- which was totally false. I told him to stop calling us. They mail us certified return receipt mail. 

It 's just harassment, after harassment, after harassment. We assume it 's because they want to refi the mortgage so that it is no longer protected under bankruptcy. But I did tell them we plan to continue paying the monthly bill every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Ditech was sent XXXX letters and has failed to contact me in regarding helping me out with loss mitigation efforts concerning a home

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 — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Barrett Asset Recovery Services, LLC.
State: CA

Complaint narrative:
I have been receiving emails and phone calls stating they want to talk with me or my attorney. I spoke with XXXX representative and she stated it was for a pay day loan. I have never taken out a payday loan. They have called all my family members and when I ask for anything in writing they state they can only email.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I 'm formally requesting you to delete 30 day late reported for act # XXXX for XX/XX/2015. My family on my behalf called Ditech to make a payment over the phone however it did NOT register in your system. I 'm a XXXX thus I used a line for XXXX to make the payment for XX/XX/XXXX and was assured that it will be property processed, but it was NOT. Now you are reporting a 30 day late on my credit report when in reality I was never late on this account it was YOUR fault and failure to properly process my payment. 
I 'm requesting you to delete this late reported as it is a violation and a discrimination on your behalf and it is hurting my credit greatly!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
WHILE MAKING AN ELECTRONIC PAYMENT ON XXXX/XXXX/15 GREEN TREE DOUBLE CHARGED ON THE SAME DAY AT THE SAME TIME MY XXXX XXXX XXXX ACCOUNT # XXXX FOR MY LOAN # XXXX. 
I DISCOVERED IT THE NEXT DAY AND PROMPTLY NOTIFIED GREEN TREE THEY HAD INCORRECTLY CHARGED ME TWICE FOR THE LOAN PAYMENT. 
INSTEAD OF SIMPLY LOOKING AND VERIFYING THE DOUBLE CHARGE IN THEIR RECORDS AND CORRECTING THE OBVIOUS MISTAKE THEY DEMANDED I PROVIDE THEM WITH BANK STATEMENTS AND ABOUT XXXX OTHER TIME AND EFFORT CONSUMING ACTIONS BEFORE THEY WOULD REIMBURSE ME THE MONIES. THIS UNNECESSARY WORK AND DOCUMENTATION WOULD RESULT IN A SIGNIFICANT DELAY WHILE THEY WRONGFULLY HELD MY MONEY. TO RESOLVE THE MATTER THEY AGREED TO SEND AN EMAIL DOCUMENTING THE REQUIRED ACTIONS BY ME BEFORE THEY WOULD RETURN MY MONEY. TO DATE THEY HAVE NOT DONE SO FURTHER DELAYING RETURN OF MY MONEY.THIS HAS CAUSED A HARDSHIP PAYING OTHER BILL BECAUSE OF THE LARGE AMOUNT OF MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
I had a very trying experience with Greentree and submitted a detailed complaint over a year ago ( # XXXX ). The company forced a flood policy on my account and charged me for it even though they had all the proof that my HOA held a flood policy. This forced policy made my payments erroneously inflated, which in turn made Greentree continue to call me for payments. I tried continuously for months to correct the problem and provided statements from my bank - who was making payments on my behalf. Finally, after the name change to Ditech, this company acknowledged their error and sent a refund along with a letter stating that late charges had been removed. I thought it was resolved until recently when I realized that they had reported me to the credit bureaus as a late payer! Now my stellar credit is ruined, and the score does not reflect the fact that I have always had an excellent score ( over 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 2016-07-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC
State: KS

Complaint narrative:
I check my credit and found a collection from DEBT RECOVERY SOLUTION. They had never sent me a validation letter or anything and put it on my credit.

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