vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-10 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: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
This company continues to update to opening date on the account, ive tried to dispute results come back same everytime, they are in vilolation 605c. This debt is 6 plus years old and they continue to update it every six months. Someone must have used my id to purchase a tv from a loan company, ive neve used such company i have foughy this debt numerous times. Finally deciding to let it roll of my credit history after 7 years, except they keep refreshing it and continueisly is hurting my credit score. I refuse to pay such a debt that i know i havent accured. Ive been working on fixing my score my bad decisions as a young man, im completely caught up besides this reoccurring issue with this company

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 2015-10-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: PA

Complaint narrative:
RUSHCARD. Need I say more? XXXX XXXX is " working so diligently '' to " fix the problem. '' A problem he probably caused. What does he care - he 's LOADED??? He has no problem getting to his money and paying his bills. Our money - on the other hand - which is supposed to be on our RUSHCARD is not there. Where is it??? Why ca n't I pay my bills? Do you know how hard it is to buy gas and food with NO MONEY?!? 
RUSHCARD XXXX and I ca n't wait until the " straighten it all out '' so I can RUN FAST FROM RUSHCARD!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20 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: APEX Asset Management, LLC
State: PA

Complaint narrative:
The Apex asset management is trying to get money for rent for service XXXX/XXXX/XXXX XXXX XXXX $ XXXX in XXXX appartments, XXXX, PA. I do not live there since XXXX! I had lease for for period from XXXX for 1 year wich i signed. When i was leaving i told manager that i am leaving, i was roomate and the deptor was another girl, my classmate, she stayied there. I got letter from them ( Apex manegement ) that she left XXXX/XXXX/XXXX and i have to pay for 1 mons, because she left and did not pay for last mons. I have no idea, i did not see her already 3 years, i am living in XXXX 3 years since XXXX. Apex maneger told me anyway i have to pay, since i was in lease, but i signed for period 1 year ( XXXX ), i did not sign for 3 years. It is fraud, they crushed up my credit score and they opened dept collection now, wich i have to pay, but why? i do not live there since XX/XX/XXXXI have plenty of evidence that i live in XXXX since XXXX XXXX i have my job here, i have family, i have another lease agreement with another landlord since XXXX, i am making regular payments, i am person who will never drop something wich i have to do. Tank you for you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
I have a rushcard and have been unable to access the money deposited on it. This is very difficult as I have no way to get the money and no way to borrow money. Groceries, rent and utilities are all due and I have nothing I can do. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Empowerment Ventures, LLC
State: IN

Complaint narrative:
I have a visa Rushcard and they let some scammer steal {$100.00} last year and will not XXXX my money back. Then this year they denied to return my {$100.00} that XXXX stole from me for a supposed deposit for service/installation that I never received. That is all illegal and a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Delta Management Associates, Inc.
State: CA

Complaint narrative:
Delta Management Associates contacted me at my employer informing me I am in debt to them. My employer received wage garnishment letters and threats with a lawsuit if Delta did not receive payment from them. Personal information Delta claimed to be mine was inaccurate.

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 2015-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SQUARETWO FINANCIAL CORPORATION
State: NY

Complaint narrative:
Repeated calls from " Fresh View Solutions '' about unspecified debt of an unspecified debtor over the course of several months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
I loaded {$420.00} cash to my rush card at XXXX XXXX on XXXX and I am still waiting almost 3 weeks later to see the money on my card. I have emailed and called customer service on several occasions but they still have n't resolved this issue. I even mailed the corporate office a letter with a copy on the original receipt from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-15 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: NRA Group, LLC
State: PA

Complaint narrative:
NRA collections company contact me XX/XX/XXXX, I received XXXX letter stating I had a debt. I contacted them and said that I believe it was paid in full. They said put the account in dispute. I never heard from them again. After calling them today, XX/XX/XXXX, they said that I asked that they do not call me, I do not recall that. They turned it to collections, reporting that they have tried to collect it for 7 months. I have never received a request for payment, they did not list on my credit report that this is " in dispute '' as they told me. 

They list it as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' I disputed it, never heard anything else, not one letter or phone call. Now on my credit report showing, very unethical business practices, very rude, very unprofessional. XXXX in the XXXX office was rude and unprofessional. They told me to put it in dispute, I did, and never once contacted me again with verification of debt. 

I requested Name, Address and License Number and they hung up on me. Three times. 

They do not answer their phones, transfer you again and again, hang up while on hold. I was asked repeatedly to be put on hold and no one ever comes back to the line. I was on hold for two full hours today. 

I never received written notice of the dispute verification within the 5 day allowance. 

They listed on my credit report that they have tried for 7 months to collect, they have not tried even once to contact me, and they can not be reached for questions/concerns.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Data and Contact Management Solutions, LLC
State: WA

Complaint narrative:
DCM Services has phoned 2 times requesting information regarding the executor for my brother-in-law 's estate. I asked them NOT to contact me after the first phone call and they did so again this morning

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX 's request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hack. 

To warn other consumers, do not trust this company. At the current time Scottrade will not even address my concerns. 

Attached is the correspondence between myself and XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-11-06 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: PA

Complaint narrative:
I have a rush card and XXXX $ was deducted from my account. I call and never get a answer or I 'm hung up on, I 've even been transferred many times just to be on hold more to be placed on hold more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAC Financial Corp
State: TX

Complaint narrative:
Debt was paid balance was XXXX XXXX XXXX XXXX as of XXXX 2016. 

Have balance due was sent to me and stated XXXX ( XXXX ). 

Said they would report but have not over the last 3 months.

Company response to consumer: Closed
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
To whom this may concern, Please see the attached document as it details violations of the XXXX rules that protect consumers from illegal financing activities. 

Sincerely Yours, XXXX

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

Complaint narrative:
After a " system update '' with Rush Card serviceI have been unable to access my funds in XXXX days now. My account balance has been XXXX out and I have money that should be available to me. I have called customer service for this company at least XXXX dozen times and I get no human response, I get hung up on every time. I am unable to access my money and I am getting no response from the company after trying many times to make contact via telephone and email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: MS

Complaint narrative:
Rush card took what money I had left. No deposit is showing. I know it goes in today. No answers from the company. I need my money now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: NV

Complaint narrative:
I did hold a credit card account with XXXX issued by XXXX Bank from XX/XX/XXXX till XX/XX/XXXX when it was closed. On XX/XX/XXXX was the last payment made on the card showing XXXX balance. Since XX/XX/XXXX till XX/XX/XXXX there was no activity on the account. During the months of XX/XX/XXXX I have received a notice from a collection agency that I owe them {$690.00} that they claim I did not pay XXXX. When asked to prove the charges no one was able to produce said charges because they never existed. Since 2011 till now I have not received what I have requested but said information was reported to the credit bureau as bad debt. 

Merchandise was returned to XXXX and credit was received but XXXX Bank or XXXX some how decided that I owe them the {$690.00} when that amount was credited to the account based on merchandise returned to them.

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 2016-10-25 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I submit a stop payment request on this payday loan from my bank, XXXX. I paid the fee of {$30.00} but Cash Store was still able to withdraw my account putting it in negative. I tried to have them to stop payment via a phone conversation which they refused. My bank also will not stop payment because they have no control over automatic checks.

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 2015-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I keep getting harassed by a company called Sunbelt Credit ( XXXX ) for debt that I have absolutely NO affiliation with whatsoever. On numerous occasions, I have spoken with the Manager who states that he is removing my number ( XXXX XXXX # XXXX ) but never does as the calls persist. They have no right to continue to bombard me with an issue to which I have absolutely nothing to do with whatsoever!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
I had a loan with Hyundai Motor Finance ( HMF ). The account number was XXXX. I requested a payoff at the beginning of XXXX. I was given a payoff amount of that was {$13.00}?? more than I owed. I paid the payoff amount given and it was posted on XXXX XXXX 2015. Hyundai Motor Finance ( HMF ) indicated that a lien release would be sent within 2 weeks as would any excess payoff. By the XXXX of XXXX I had received neither. I called HMF and within XXXX days I received the lien release but not the excess payment. I again called HMF on the XXXX of XXXX and they said they would refund the excess immediately. I called again on the XXXX and was told that a check was sent on the XXXX of XXXX. As of the close of business today I have not received my refund. Please assist in having my refund issued. In addition I question if this is a typical practice of HMF and are there many, many customers who never received their refunds. 
Thank you for any assist you can provide. 
XXXX XXXX XXXX, KY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
A couple of months prior to my 36 month vehicle lease ending I received notification about possible additional charges. These were not mentioned at the time I leased the car. The only thing mentioned was the XXXX mile limit. When the lease ended they charged me {$400.00} to take their car back unless I agree to purchase the car. They also charged me for 2 tires, and scratch repair. The charges total over {$1200.00}. There were no scratches on the car when I returned it. They said it was inspected 3 days AFTER I returned the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
It happened around first week of XXXX 2015. I got a call from a finance company saying they send me a check for XXXX dollars in the mail and it got cashed. I told him I never applied any loan with you guys. He replied they send me a check without applying and they do it all the time but this is the first time it got cashed. So I told him maybe somebody did some fraud to me and asked what should I do now. I went their next day talked with them then reported to the police. next day I went there again signed the affidavit to investigate the fraud through the bank. I did my part as per they said. After that I did not hear nothing from them. Yesterday I checked my credit and now its showing up on my credit and ruining it. I went there yesterday again and asked them about the status of the case which they say is still not resolved and told me they ca n't remove it from my credit. I did not understand many things in this case. How can I be liable for something which I didnot even know of? How can they send a real check in mail without notice or without applying? How the check on my name got cashed without my signature and identification? Now I feel I got scammed and I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Carvana Group, LLC
State: TN

Complaint narrative:
On XXXX/XXXX/16 started the process of purchasing a vehicle from Carvana on a referral from a friend. Found there website easy to navigate thru and great selection of vehicles. Went to the process of esigning all of the documents. Was given a date to which to pickup the vehicle at the XXXX XXXX. We we 're excited as the whole XXXX concept intrigued us and something we can share with the family. On XXXX got a call from there Customer Advocate informing me that they would be furnishing us the loan because of what theu called discrepancies in my application. The same information was used to purchase my fiances vehicle and also to enter into a home loan purchase so was astounded to be told they would n't be doing the loan. Not sure why we get all the documents like purchasing agreement and buyer 's guide only to be told no. Also i entered our bank routing and account number which worries us that it 's just sitting in there system. I found there Customer Advocate to be extremely friendly and helped answer all my questions that we had prior to making the decision to purchase a vehicle from Carvana. There UW i found to be condescending extremely rude and heartless just calls says we ca n't help you. Did not nor would not give us the opportunity to correct any errors we might have made if there was

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I have received MANY phone calls by unknown numbers, often at early hours of the day. ( XXXX may be reasonable to lawmakers, but is ridiculous to me ). These come to both my home and cell numbers. Sometimes these calls can come XXXX times within a XXXX minute time-span. This is ridiculous and unacceptable, hence this complaint. Because I do not know the number, I have no reason to pick up. They should leave a voicemail message, identifying themselves and who they are calling for. This information is never provided. I answered XXXX of these calls from yet another unknown number ( this time at least a company name showed up on caller ID : XXXX XXXX ). The caller let me know this number was listed as an alternate number for my brother. Ok. That 's fine. I can take/deliver a message. Then the caller continued to say that they have been trying to reach him for a long time. I told the caller this is the XXXX message I have received. If a message is not left, this is the XXXX attempt to contact my brother at this number. Then I found out that this company is the one that has been calling and hanging up, with no voice mail message, which has been disruptive and harassing to me. This is NOT ok. 
The caller 's response was that they are not permitted to leave a message on voice mail, by law. 
1 ) if this is true, then the FTC needs to revise the law. I am sure this harassment is happening to other consumers, not just me. I am a law abiding consumer with great credit. I am willing to be the alternate contact for my brother and work with him to help find resolution, if that is what 's needed. However, the harassing phone calls are inexcusable!!! The credit collection company must be able to leave some kind of message. 
2 ) if this is not true and the company is allowed to leave a voice mail message, but instead instructs their employees to frequently dial numbers and hang up until someone picks up, then my complaint is against Central Credit Services. This practice is NOT ok. There must be some way to respect the people at the other end of the phone line ( including responsible consumers like me ) with basic information that does not give out confidential information. Perhaps a message stating " my name is XXXX from XXXX company. I am trying to reach so and so regarding a personal matter. Please call XXXX stating reference number XXXX. " There must be a way to protect responsible consumers, while still allowing the credit collection companies to function.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: NH

Complaint narrative:
XXXX/XXXX/XXXX received debt collection notice from Dynamic Recovery Solutions. I responded on XXXX/XXXX/XXXX asking them to validate the debt because I have never had a creditor by the name they indicate and I have never owed a debt in the amount indicated by Dynamic. I never received any response. Then on XXXX/XXXX/XXXX they sent another collection letter. I still have not been provided the information I requested and I have advised that this is not my debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from CENTRAL CREDIT SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL CREDIT SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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