BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: AL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I am XXXX of the XXXX effected by the rushcard scam or whatever happened that they took everyone 's money for 2 weeks and my account was messed up and caused bills to pile up and bills to bounce and I have late fees and missing money from my direct deposit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28
Company: Empowerment Ventures, LLC
State: MA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Managing, opening, or closing account

Complaint:
On XXXX XXXX Rushcard did a " system update '' and because of that i have not had access to my funds for almost 3 weeks now. Everytime i call i am on hold for hours or the phone keeps hangimg up. I spoke with a rep on Monday and was told the update glitch would be fixed that day and i would receive a text when my card was all set but i never received it and my card still didnt work. I have no access to my funds and had to decide to pay rent or my sons tuiton for school and because i chose rent my son will no longer be able attend until my balance is caught up. I already have my mother paying my rent no one can help me with my sons tuiton too. my electricity will be shut off tomorrow for non payment and my phone has already been shut off too. They have the wrong card info as being active ( i got a new card before the update ) and when i try to activate the correct card i am told by the auto system i already have a active card. When i did speak to a rep they told me when the sysrem is up and running i can activate my new card, they told me i would be able to later on that day and i still couldnt do it. On top of that i am still missing funds in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Ray Klein, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
PROF CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXXXXXXXXXX ATTENTION TO DISPUTE DEPARTMENT : XXXX 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 XXXX 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 : PROF CREDIT 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 XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

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
Consumer complaint received 2015-07-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
I wanted to use my credit card to purchase tickets for the upcoming XXXX XXXX XXXX in XXXX ; tickets were allocated through a lottery when if the lottery was successful the credit card on file would be charged immediately. I notified the bank that the charge would be coming not to reject it ; three days later when the charge came through it was rejected by the bank cancelling my application for tickets automatically so now I lost the tickets I was allocated. My request for processing this information is in their system in my account and still the charge was not processed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Hello, I am an unfortunate customer of Rushcard/Unirush LLC. I have XXXX direct deposits that are missing from my account that have yet to be posted and I am being told by rushcard that they dont have the funds and cant do anything. My weekely pay check has been deposited into my rushcard acct seemlessly for the last year up until the rushcard " system update '' on XXXX/XXXX/15. Every since this supposed update I have not been able to accesing my existing funds or any deposits made. I should have had a deposit on XXXX/XXXX/2015 and a deposit on XXXX/XXXX/2015 neither of which are reflected in my balance. I have called rushcard several times being on hold for countless hours at a time and have been informed on my last call that they dont have my funds and there is nothing they can do. I have verified with my employer that the funds were accepeted by rushcard into my account so there is nothing they can do because the funds havent been returned. At this point I am exhausted and disgusted with the entire ordeal. The stress this is causing me isnt worth me to continue to call them and deal with this. I have had several automatic Billpay payments returned, I have no food, no gas and I have no one else to borrow from. Im hoping my complaint doesnt fall on deaf ears and I will one day see my hard earned money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: SCOTTRADE BANK
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had opened an account with Scottrade Bank some time ago. The account was left dormant and forgotten about. 

However, I recently tried to call Scottrade Bank to check my balance and close my account. After talking to support from the National Service Center I want told that I was unable to close my account because it had a negative balance. 

The support person told me on the phone that this was a result of fees I had agreed to when opening the account. I asked the support representative for a copy of the account agreement and was told I needed to contact my local office. 

After contacting my local office they said they could mail the requested information to me, but after 6+ weeks, I have yet to receive a copy of the contract and dispute provisions.

Company response to consumer: Closed
Consumer complaint received 2017-02-02
Company: INVESTORS BANK
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a mortgage with XXXX bank, investors bank took the loan over during acquisition. At the time of origination the loan was an automatic deduction from bank account, once investors took over we were told to pay thru their online system. Problem is payments have been applied in a way that makes no sense, they are applying partial payments when they should be full payments. They did fix the balance at one point but it 's all screwed up again. Every contact with the servicing department is giving a different answer each time you talk to these people. We are very frustrated because we have never received one statement from this account and their online mortgage system is n't accurate. I have called their customer service XXXX in XXXX, sent email XXXX and various emails to mortgage service department. They have put all these late charges on our account that we do n't owe, resulting in collection department constantly harassing us both at home and work. These people refuse to call you including the XXXX, I do n't know if the servicing is done by third party but it is unacceptable.

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 2017-01-25
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I set up a payment arrangement on the phone for {$50.00} a month. With their monthly fee it comes to {$57.00} and I set up auto payments from my checking. After 6 months I got notice it was going up to {$100.00} a month. I called to see if I could keep it at {$50.00}! a month with the holidays and money being tight. I was told for 3 months and I said I would call back after that to see if I could afford more or not. The next week my regular {$57.00} payment was taken out along with an additional {$110.00}. I called immediately and was told I could have it applied to other payments or get a refund. I told him I wanted a refund. This was on a Thursday and I was told to call back Monday if it was n't credited. I called back Monday was put on hold and told the supervisor would call me later that day. It 's now two days later and I still have n't gotten a call from a supervisor. I called back again and asked to speak to the supervisor and explain my situation to the girl was placed on hold again then she came back on and said they were working on it and a supervisor would call me 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 2016-04-14
Company: Empowerment Ventures, LLC
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I been eating at XXXX for awhile, so today XXXX XXXX, 2016, I went to XXXX to eat and my bill was {$87.00}. The credit company charge me $ XXXX.I went back to XXXX and they show my what they charge.So I called the company and the supervisor XXXX XXXX told me that they take out gratuity or tax at the end of the day. Supervisor said all restaurants do that, so I let speak to the manager at XXXX and she told her that XXXX does not do that, that is against the law. This have never happened before.Somebody trying to get extra money in their pocket, XXXX only charge me what act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Century Credit & Collections, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have mailed this collection company requesting debt validation. But have only received a letter of " an attempt to collect '' with my name and a total of how much I owe. with no other information or proof from an original creditor/company, showing that i owe this amount of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2015-10-26
Company: Empowerment Ventures, LLC
State: IL
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
It has been 14 days since I did a load at XXXX through XXXX to my Rushcard and still no reflection to my account balance I have called company everyday only to get either hung up on or on hold for hrs then hung up on CSR cant say when issue will be resolved this is putting me in a financial bind I even reached out to XXXX to see if load can be reversed and they said being the fact that they show that Rushcard has received this money they Rushcard would have to notify them to cancel transaction which is a catch XXXX situation because according to Rushcard they cant look anything up so very frustrating I have been with this company for 5years and trusted them with my money and for this to happen is just unacceptable PLEASE HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
To whom this may concern, Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage were a victim of an enormous hack during XX/XX/XXXX and XX/XX/XXXX. Scottrade Bank, Scottrade Brokerage, and Scottrade Financial Services were warned about these cybersecurity issues at a technical and cultural level yet no action was taken. 

I would like Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage to provide me with instructions on how to file a dispute with their companies. Specifically, Scottrade Bank and Scottrade Brokerage have failed to provide clarification on the currently conflicting and alleged dispute policies and Scottrade Financial Services has no dispute policy what so ever. 

If Scottrade has any concern for the fraud that occurred and the continued danger they are putting their customers in, I respectfully request that Scottrade step up their game and putting customer care as a higher priority.

Company response to consumer: Closed
Consumer complaint received 2016-02-29
Company: UBS BANK USA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
The big problem where I have an enormous financial loss, being a conservative / moderate, is by a XXXX investment of UBS. Similar XXXX investment offered by XXXX XXXX XXXX in six times in XXXX with our maturities in XXXX. All my XXXX dollars ' maturities were invested in those XXXX by XXXX XXXX XXXX without any term-sheet or confirming-sheet. I ask him the confirmation by email. I attach the email* with the petition and braking, if there is not the confirmation asked. 
XXXX investment has a clause specifying that can not be proposed in the USA. 

The six times XXXX investment was proposed by UBS/ XXXX XXXX XXXX and no other option. 

The six times XXXX investment was proposed by UBS/ XXXX XXXX XXXX XXXX the worst scenario because all indicators pointed to a strengthening dollar : very basic aspect to require any broker to have had him in mind. By contrast, UBS is betting the XXXX and in XXXX investment repeated six times. UBS has broken a golden rule so far he must know. 

UBS breaks my profile of moderate/conservative without any notice. All my investments are conservative and UBS knew this and I have been always very clear with XXXX XXXX about to risk only rates, not capital. XXXX XXXX recognized to have made that mistake and not follows my instructions. 

I have a financial loss to date of {$300000.00}. This is my request : UBS assumes that responsibility ; for not having covered these basic rules that are the most elemental for a broker. However, if the authorities confirm the UBS criminal actions, then, my claim would be for much more. 

UBS claims that this type of investment I made over several years. XXXX XXXX acknowledges that he has only who phoned to me for such investments XXXX, and never that I have asked them to him. Also, that it has not a high-risk prevention ; UBS recognized high-risk only after my complaint, never before. Even if I have made such investments before, always I felt they were under the protective mantle of respecting my profile moderate/conservative. In addition, they did not report losses that forced me as now to ask UBS response. 

If UBS does not assume such responsibilities, it is to break with the nature of a broker ; not respecting the most basic principles of investors. To accept that UBS can break the investor profiles, and moreover without their consent or warning, it means do not have any kind of investor protection. To accept that UBS can risk the assets of investors in XXXX instrument at high risk, and without any prevention, it is an extreme. If UBS does not respond and the authorities do not punish, it damages all the reliable broker environment and I ask the authorities protection and the laws that sanction this, or in the worst case, the specific laws that accepted those actions.

Company response to consumer: Closed
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX 2015 I reported my Rushcard lost/stolen. I was sent out a replacement card on XXXX 2015. I called back on XXXX XXXX 2015 to expedite the shipping of the replacement, the representative charged XXXX for expedited shipping and XXXX for the replacement. I received the expedited card on XXXX XXXX, 2015. This was the day that Rushcard notified me that they were processing upgrades to the system that would be between XXXX pst-XXXX pst. Until til this day XXXX XXXX, 2015 it has not been resolved. I have n't been able to contact customer service to resolve my first and second issue. I was able to view my transactions online on XXXX XXXX, 2015 my money was debited out of my account by XXXX XXXX transfer from the card I originally reported stolen. I did not authorize these transactions at all. The card was suppose to be blocked and inactive. I am without my payroll monies and facing eviction and utility disconnection. I contacted XXXX XXXX via XXXX and he asked any of the affected customers to direct message their personal information. ( i.e home phone number, address, and name ) I did so on XXXX XXXX. He stated someone would be in contact with me but no one has contacted me. Its been 18 days of hardship for me. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I bank with Rushcard! I have yet to receive my direct deposit from XX/XX/2015! Its supposedly due to a glitch in the system due to a glitch! I need my money I worked hard for! My bills are yet to be paid! I ca n't keep putting them off till Rushcard decides to give me my money! Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have been using rush card for almost 5 years happily until XXXX XXXX. At that time a software glitch became a nightmare. On a trip to XXXX XXXX for a work conference I was embarrassed when my card declined a transaction that I should have been able to afford easily, from there I suffered the continued embarrassment of having to rely on my co workers to finance my expenses including a ride home to the air port. Till this date I still do not have access to my funds. I have been reduced to borrowing money from friends and family to pay for basic expenses. Numerous calls and emails to this organization have gone unanswered. It is as if my money has disappeared. It is XXXX XXXX and I still can not acces my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been on the phone with Rush Card for 2 weeks now about my balance being at XXXX instead of XXXX and my card being used when I was n't using it. I tried to call and the phone is being hung up or not answer. I have been on the phone today for XXXX hours trying to see why my card is deactivated. I got told the system was down, they sent me a new card in which I have n't received, and the next XXXX yelled at me and now as I type I am on hold again and it had been XXXX mimutes. They are not giving any answers about this and all I want is my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To whom this regards, I am writing this complaint after my Son and I opened a Scottrade account roughly 3 years ago. The Scottrade account was a joint custodial account with account number XXXX. 

I understand my Son later created a Individual account after turing XXXX, but the subject of this complaint has to do with XXXX. 

I understand that Scottrade suffered a data breach, that left the personal information of many exposed, Scottrade published a Press Release here : XXXX

Company response to consumer: Closed