BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-17
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have a car note that was refunded to my rushcard on XX/XX/2016 I spoke to XXXX different agents who stated that I will receive my funds within 10 days I am delinquent with my rent thanks to Rushcard.. 1 agent stated that they neededa email from the Merchant which was sent then they stated that the pending status would fall off after 10 days ... still no funds. Had a conference call with my Merchant and Rushcard agents..the Merchant told the agent they cancelled out the payment and released my funds but the Rushcard is holding my funds Not sure what to do to get my monies to pay RENT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have been a member of RushCard Services since XX/XX/XXXX, and have experienced very little problems in regards to their service overall. 

However, the recent conversion has me concerned with being able to collect upon my recent losses. I have been expecting a direct deposit since XXXX, and my attempts to contact any competent RushCard customer service representative have been fruitless. 

I understand they have had an outage, but provide no reliable information as to how they insure a customer 's account will be restored. 

I want to sever ties with this company, as the transition to the new banking service they acquired has left me less than confident in continued business with the service RushCard provides, but I also do not wish to lose out on money that is owed to me. 

Please assist me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been a capital one card holder for almost 7 years. I have had remarkable success with my interactions with capital one staff members until recently ( 1 yr. ago ). My card was restricted XX/XX/2021 with no warning while I was in EXCEPTIONAL STANDINGS. I have always paid my bill on time, and I was often granted an increase in my line of credit. 

Once my card was restricted in XX/XX/2021, I immediately reached out to the fraud department. They advised that I send a copy of my drivers license and social security card. After 8 attempts, I finally was told they received it but now they needed a copy of my utility bill with my address showing. After going back and forth with multiple representatives, giving false promises that they will call me black after they receive a copy, and after sending my utility bill five times because the first four attempts were not a clear copy ( although they read everything to me, but they still needed a clearer copy! ) Finally, after capital one admitted they received all three requested documents on XX/XX/XXXX, I was advised by three different representatives ( last representative was XXXX XXXX ) he said he need my bank statement. Now this is going too far. I am an ACTIVE, GOOD STANDING CARD HOLDER why do I have to provide my personal bank statement. He was vague and would not give me a reason for requesting my bank statement. 

I feel completely disgusted with the service I have been receiving from Capital One. I do not feel valued, I feel like I am being taking for a ride. I am not satisfied with the service that I have been provided and I am requesting someone please take a good look at my current file and read the notes in detailed. I should not experience what I have been experiencing as a valued customer. I am requesting action and hopefully this will get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: ACIMA CREDIT, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Acima XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section XXXX States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. I currently work from home. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
I had to block the harrasments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: MS
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
RushCard offered " Rush Goals '', separate accounts used to accomplish specific goals, like a " Savings ''. All of my goals have disappeared along with the funds that were included in them.

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

Complaint:
I am a customer of rush card. I am unable to accessy money. They are not answering the phone. My direct deposit is not there and I need answers as my payroll check is deposited there and it is not allowing me to access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17
Company: GOLD KEY CREDIT, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The emergency room failed to file to my insurance company after repeated attempts to rectify the situation they had all the necessary insurance info and now the credit company is refusing to remove the negative remarks even though they are aware this debt is in accurate

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 2015-11-02
Company: Empowerment Ventures, LLC
State: LA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I 'm an online college student and I receive financial aid in which I chose to receive it via direct deposit through rushcard. I just recently found out about the glitch in the rush card system. I was expecting to receive my financial aid today however, I see no pending deposits. I called rushcard customer service but when I was transferred to a representative It said my call could not be completed. I never had this problem before and I always get my funds directed to rushcard with no problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: Chime Financial Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My phone, license and debit card were stolen Sunday, XX/XX/2022. I got a new phone replaced and a new license ordered. When I called my bank they locked my account. I have gone back and forth with them via email and phone to get my account unlocked. They required I send my social security card in place of my license and a selfie with my card. I sent it several times and they keep asking for more information. I have called them numerous times and each time they direct me no where and now they have started to hang up on me. I have sent them all my info and now I am afraid it will be misused because they now have all of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: DISCOVER BANK
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
First the identity theft was after scam. I didn't know I was being scammed until the wire transfer was done. And I kept trying confront the person, the account that the money went to had nothing to do with customs, that's how I learned, it was a scam. After that the same person got a hold of my account information, trying to deposit a bad check. So learn the whole story before denying me anything. You did not investigate because you don't even have story correct. Maybe your involved in the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Empowerment Ventures, LLC
State: CT
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
I was paid on XXXX XXXX, 2015 {$1700.00} and have not been able to have access to my money. Rush Card keeps telling people that they are going through a system update, but it is going to be a month. This was my only source of income to be able to pay my bills, feed my XXXX year old and XXXX month old. I struggle day to day trying to make ends meet. I call them everyday and all I get is the same XXXX response. I just want my money that I worked so hard for back.please help me. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: Data and Contact Management Solutions, LLC
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
On XXXX/XXXX/2016, DCM Services, a debt collector, left a message for me ( the executor of an estate ) on my home voicemail, that was listened to by my daughter and her friends while I was not at home. The call came from XXXX XXXX XXXX ... " Hello this XXXX XXXX XXXX at DCM Services. This is a private message for ________. We are a debt collector attempting to collect a debt of the late__________. Please call me immediately at ... .. '' Although they stated that this is a private message and " if you are not ________, please do not listen to this message. ", they are not authorized to call my home and direct the persons living there as to what they can and can not do in the privacy of our home. I have asked this company to put any requests for information in writing, and I have directed them not to call my home again, prior to this call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
negative information from this creditor is past 7 years and it never goes away. Creditor needs to delete this old account from the credit bureaus.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently checked my credit report and noticed a lot of inaccurate information that has been reporting to my credit. 

Accounts that I don't recognize are, XXXX XXXX, XXXX XXXX XXXX Original Creditor, Preferred open XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX  XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ), Also I found a few inaccurate addresses as well.

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 2022-03-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have checking and saving accounts with USAA and no other types of accounts. I received a message that required me to disclose both my annual schedule income and net worth in order to keep access to my account via the mobile app. Absent investment accounts, which I do not have this is a violation of my privacy as I believe this info is only used to market me other products.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Empowerment Ventures, LLC
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The Rush Card has been with holding money from my account, which I have been unable to pay bills, get to work, move in to a new home, and feed my family I was suppose to recieve my direct deposit and it is promise to me that it will be there two days befor my pay check, this happen during the end of the month when I have to pay rent. They keep telling me that they can not give me a time frame on how long it will take but keep guarenteeing me the money is safe but mean while my car insurance was just cancelled XXXX 2015 and the bill collector will not take an excuse I have suffered severaly from these damages and lost out on a home, a drop in credit, late fees, unable to keep my daughter in day care/after school, lost in hours at work and emtional stress I have to check my self in a hospital because of head aches im recieveing from stress. I have been unable to feed my family and had to borrow money from others that I have still been unable to pay back so far I have lost XXXX because of the lost hours at work and unable to get gas to meet deadlines and im lossing by the day because the issue is still not resolved I call them spoke to someone and pleaded my case they just countinue to place me on hold for hours and hope I hang up or they will hang up please help me, I soon will have to take out a pay day loan to help myself in this financial crisis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I am writing on behalf of my son, who was a former customer of Scottrade financial products. My son has been a victim of corporate green at Scottrade when his account got hacked and Scottrade refused to refund any of the stolen money. 

Today I am writing to express my concerns over Scottrade 's response to my son 's complaints. Recently, my son discovered that XXXX XXXX XXXX, a branch manager at Scottrade exposed my son 's personal information by accepting insecure emails. Roughly 10 days after the insecure email, my son 's account was hacked. 

My son has been trying to resolve this with Scottrade but Scottrade has resorted to harassment and will not respond to his complaints. My son asks simple questions and Scottrade responds in a manner that is dehumanizing.

Company response to consumer: Closed
Consumer complaint received 2022-03-23
Company: F.H. Cann & Associates, Inc.
State: NV
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The school that I attended, XXXX XXXX XXXX XXXX, has blocked me from ordering my official transcripts. They are saying I owe a debt from 2007 for a private University loan that was received. The total a little over {$3000.00}. However, when I went to go and check and verify the debt, the University has sold this debt to a debt collection agency. I've never received a letter or call from this agency, and I've also tried to contact them several times but no one has gotten back to me. The collection agency is called FH Cann. What's even worse, the University still won't release my official transcripts even though they've sold the debt. I don't know what to do. This is so wrong and very confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: FL
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: The Outsource Group, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this account is in violation of the fair credit reporting act due to improper debt validation no contracts no signatures this is in violation of section 609 604 623 and maybe several others

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 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Transuion in XX/XX/2019 about an error reporting on an account in which they replied saying it was verified as correct. I sent another letter pointing out that same error and they replied the same in saying it was right. Transunion failed to perform an actual investigation but simply mirrored what's already in their system.

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 2022-07-17
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My PayPal account was locked And they said I can access my money in 180days Now my account have been locked for more than 180days and I cant reemive my funds I mail and call them but they dont want to help Please help me out I need my money My email is XXXX My name is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I bought my home 9 years ago with a VA loan from XXXX. The loan was sold to Nation Star and I didn't have a problem then. The loan has since been tranfered to a different part of Nation Star called Mr. Cooper. I can no longer access my documents and mortgage stuff from the XXXX website. 

My biggest problem is the privacy notice that I got. It basically says that they are going to use my personal data for marketing purposes not only with Mr. Cooper but their affiliates. The notice said that there is basically nothing that I can do about this. 

I don't know the law but I always thought that my personal data belonged to me. I never agreed to do business with Mr. Cooper. I bought my loan from XXXX. I don't know the law but I want to know what my rights are and if my personal information has value then why does my mortgage company think that my information belongs to them. 

Is the Privacy Act of 1974 applicable because it is a VA loan? Is there anything similar to the Privacy Act of 1974 that governs civilan companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Remove CHAPTER XXXX BANKRUPTCY DISCHARGE : XXXX. This is not my bankruptcy, you've got the wrong person here.. The court itself do not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX is writing this letter on my behalf and there aren't no 3rd party involved. I recently check my credit report and notice inquiries on my consumer report that wasnt me. I have attached my document

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: DISCOVER BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Discover Card closed my account because they could not verify name name with a 4506T form just prior i was married and not reported new name with IRS

Company response to consumer: Closed with explanation