vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
penny Mac loan services where I have my mortgage place on my credit that I missed five payments -which is NOT TRUE! I WAS ALWAYS CURRENT - I had a hardship my wife had a back operation and I am XXXX living on XXXX XXXX filed for a Modification with them and they gave me XXXX which drop my payment from {$1100.00} to {$1000.00} which did help me a little. Then they placed placed this on my credit missing all them payments which is a LIE! I was always current just needed some help and still current on my payments, I talked to them and they refuse to take this off my credit, this is unjust - I was never told that this would happen if I was told I would have never had a modification in the first place. Please help -I 'm a XXXX XXXX going through a hardship this will help my credit if this was taken off -I believe it is a crime for what there doing to me - Thanks for helping - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
A collection was reported to my credit file on XXXX XXXX. This is not my account and I do not have knowledge of such account. I called the numbr listed and its a fraudulent number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
An alarm company install an alarm system with out my permission, someone else sign the contract and it wasent me, i dont know if they sign with my name but since the house is on my name now the collection agency its telling me that am the one that has to pay the money owed wich exceds the {$3000.00}, before the account was sold to the collection agency my mom contact the alarm company and told them that the owener of the house never aprove or sign any contract for them to install the alarm system and they told her that I was the one that was supposed to call and tell them that because the house was on my name, wich is very weird because when they install the system they didnt care if i was there or not or if it was me the one that sign that contract ( wich it wasent me ). When i was talking to the debt collector he hang up on me before i finish talking. I also explain to him that I never sign any contract and he told me that i was responsible because the house is on my name. I ask him that how come when they went to install everything they didnt ask for an ID to verify that it was me and he said that that was not a requirement, than when they go to the houses and someone opens the door for them and give them permission to install the system they go ahead and do it but the ower of the house its responsible, wich i think its very dumb cuz how can i be responsible for something that i didnt aprove. I also explain him why I told my mom to contact the alarm company on my behalf because i work from XXXX to XXXX or later and its hard for me to make phone calls. I dont understan why when my mom call the alarm company to tell them that they need it to go and take all the equipment because i never aprove that, they told her that i was the one that was supposed to call not her because the account was on my name but when they went to install everything they didnt care if the owener of the house in this case me was there to aprove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BlueChip Financial
State: IN

Complaint narrative:
I initially took out a {$600.00} personal loan with the online company named Spot Loan. I defaulted on the loan, and I began getting harassing phone calls from numerous identified phone numbers with all of my personal information. I contacted Spot Loan to find out what the situation with my loan was. They informed me that they had sold my loan to a third party debt collector. When I asked to whom they sold it to, they vaguely gave me a name of a company called XXXX and the phone number XXXX. They still to this day have n't given me a mailing address. When I called the XXXX number, there is a recorded message saying to leave my name, number and loan information and someone will return my call. I received a call from numerous out of state phone numbers, XXXX lady claimed to be calling me back from XXXX. She said they sold my loan to a company called XXXX XXXX XXXX phone number XXXX. I called that number and I was told my loan was sold to XXXX XXXX XXXX at XXXX. I called that number and it was a recorded message about taking a travel survey. So basically, I was at a dead end with no answers In the mean time, I was receiving harassing phone calls from XXXX and XXXX claiming to be calling me from a company called XXXX. ( XXXX ). I XXXX all of these companies and none of them are legitimate debt collectors. These calls from XXXX. were threatening to serve me papers, and they were telling me that I would be going to court for check fraud. I told them to serve me then, and that I knew by law that they had 5 days to send me verification of the debt by mail. They refused and we 're demanding my bank account information for a payment. I refused. I understand that I have an outstanding debt, but nothing about this is the legal way of collecting it. This company Spot Loan obviously sold my personal information to a scam third party for whatever profit they could. They should be held accountable, and if they supposedly sold this loan legitimately, they should be able to provide more information to whom ... .most importantly a business address for the company that they sold it to.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2016 I noticed a collection on my credit reports from Midwest Recovery Systems for {$1300.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$500.00} and I paid most of that back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
While checking my credit report I noticed a collection account from a Midwest Recovery Systems stating that I owe {$500.00} from an XXXX XXXX XXXX. I have had dealings with them in the past after I had received several spam/fraud emails from another collection agency XXXX that was threatening to " take me to the courthouse if I do not pay '' I asked for proof of the debt being that I am a victim of identity theft in past. The never sent me any proof of the debt. I filed a complaint with my states attorney General, and they stated that the emails I was receiving were fraudulent. I also filed a complaint with the CFPB. After this, and not receiving any feedback from any XXXX, I thought the matter was closed. Now this collection agency Midwest Recovery Systems has placed this account on my credit report which has caused my credit score to drop nearly XXXX points! I am in the process of looking for a home to rent and this has severely affected my chances of getting approved by potential agents/ landlords. I have sent letters to all " collection agencies '' that are claiming to represent XXXX with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Source Receivables Management LLC
State: AZ

Complaint narrative:
I moved out of an apartment but the gas bill was not transferred correctly to the new tenant. As I had moved out of state, I received no bill for the months that the service was being billed incorrectly to me. I had no idea that the mistake had occurred for over a year, when I received a call from Source Receivables credit agency notifying me that they were attempting to collect a debt. I initially spoke with XXXX ( employee ID unknown ), who told me that if I paid in full that day the issue would not impact my credit, but that if I chose to wait and dispute the claim with the gas company it might negatively impact my credit. I chose to pay the claim in full to avoid potential consequences to my credit. I left the call feeling as though this was a positive encounter. 

A few months later, I came to learn that the claim was still showing up on my credit report despite my having paid it in full, and that it was negatively impacting my middle credit score. This was surprising to me, as I had been told by Source Receivables staff that the claim would have no impact on my credit if paid in full that day. At the urging of a financial adviser, I called company and asked them to remove the record as the account had been paid in full. The original person I spoke with, XXXX, transferred me to her supervisor, XXXX ( Employee ID # XXXX ). XXXX was extremely rude and aggressive on the phone and told me that he would not remove the claim under any circumstances. When I asked for more information about what would be needed to have this record removed, he would not provide me with more information. When I asked to speak with his supervisor, XXXX refused. When I inquired about the company 's grievance process, XXXX refused to provide information about this process. 

I feel as though was lied to by Source Receivables staff about how this information would impact my credit, and then was denied access to critical information about how to file a grievance against lying, rude, and aggressive employees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: MA

Complaint narrative:
My direct deposit still is not going through on my account. Same issue last week. I can not pay my bills and this is the second time within ten days I have trouble accesing my money. Customer service keeps hanging up the phone on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: PA

Complaint narrative:
Starting XXXX XXXX 2015 I was not able to use my rush card to access my money due to what they called a update that was suppose to happen at XXXX and end by XXXX the same day. It end up going on for several weeks. I was locked out of my account my debit card was inactive for several weeks. My direct deposit was late. I also incurred late fees for bills that did not get paid because I have no access to my money. When I tried to call customer support I was hung up on every single time not even getting the chance to speak with anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2015 I should have received my direct deposit from my employer to my Rushcard account and I did not receive it. I tried to access my account through my mobile app and I got locked out. I called the customer service and every call I got two different types of responses. One response is that I have an available balance but it was from XXXX XXXX, 2015 not the previous pay period on XXXX XXXX, 2015. The second response is that they 're sorry but they ca n't access my account and I 'll be directed to an customer service representative and the phone would hang up on me. I also noticed it is XXXX different female voice operators. Numerous times the phone hung up on me and I only spoke to XXXX representative XXXX separate times and when they told me the issue and said they were going to resolve my account issue they had me on hold for over and hour and when I would call back the phone hangs up before it can even ring or the holding music plays. I called again on XXXX XXXX, 2015 and spoke with a representative on how can I have them send the deposit back to my employer and I got put on hold for almost over XXXX minutes. I see I 'm still apart of the ones whose account issues did not get resolved and it 's holding me up from paying rent, bills, food, gas and other necessities. Mind you it has been over two weeks now and I still have n't got an email, text or anything in the mail about the issue or contacted about how they apologize for the action and how they were going to resolve the issue. Very unprofessional and I feel like I 'm being scammed and I want everything owed back to me and I want to close my account with Rushcard and I do not want them to have any of my information no longer nor conduct any business with them because this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: LA

Complaint narrative:
I had a direct deposit on XXXX/XXXX/2015 in the amount of {$280.00} and could n't access my money from Rushcard. They said they are having problems due to the update on XXXX/XXXX/015 and they are working hard on this issue. I have spoken to them everyday since this time and nothing has been resolved. They have no answers and I ca n't get my money out because it is saying {$0.00} balance ; even though I had a deposit on XXXX/XXXX/2015. I am very upset and bills are due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: IN

Complaint narrative:
I am a customer with rush card / meta bank and I have not received my direct deposit that was processed by my employer and I have been unable to contact customer service to get any updates as to when I will receive my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAC Financial Corp
State: LA

Complaint narrative:
Do not owe CAC Financial a penny. Reported several derogatory accounts on my bureaus. Approxiamately XXXX times in fact! Never signed a contact with them, Dont know who they are. Also listed them as medical which is againt HiPAA regulations. I sent a certified letter asking for validation with my signature and they failed to provide it! I have gotten turned down for a mortgage, credit cards, and my insurance payment is extremely high as a result of this! CAC has ruined my credit and basically my life at this point.

Company response to consumer: Closed
Consumer complaint received 2016-12-03 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: MO

Complaint narrative:
I have been a customer of Rushcard since XX/XX/XXXX. On XX/XX/XXXX i received a refund over {$2400.00} to my rushcard from my Home Mortgage Insurance company. Rushcard immediately froze my account and labeled this matter as fraud. They would not even allow me to access funds i already had in the account before the refund was deposited into my account. i sent in proof of my identity and the insurance company sent in proof of this transaction showing it is legeit. Rushcard will not allow me still to access the funds that were previous in my account. i have XXXX kids to feed and i have no money because all of my money was on my rushcard debit card. Your help is greatly appreciated.

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

Complaint narrative:
I have a Rushcard account, which I opened XX/XX/2015. I have been adding funds to the card without any issues, However, on XXXX XXXX, 2015, I added a total of {$1000.00} to the card XXXX XXXX separate transactions of {$500.00} each ). There is no record of the the reload that I made on XXXX XXXX. On XXXX XXXX, I added another {$500.00} to the card, which is also not being reflected when I call Rushcard 's card services automated line. I called the company on XXXX XXXX and was able to speak with a representative who told me that they were updating their systems and that the system would be working by XXXX XXXX on XXXX XXXX. I checked my balance again on XXXX XXXX, and my balance was still XXXX. I called Rushcard again and spoke with a representative who asked me for all of the numbers on the receipt, including a transaction number. Once I read every number on the receipt, I was informed that none of those numbers were recognized by their system. She then told me to go back to the retail outlet where I reloaded the card to ask them for the transaction number, I did and was told by the store manager that the numbers on the receipt should suffice for Rushcard to identify my reload. I called Rushcard again on XXXX XXXX and told the representative what the store manager said, and at that time the representative told me that she would escalate my complaint. Since XXXX, I have not received a response from Rushcard, and to make matters worse, I have called card services at Rushcard at least 30 times since then. When I press " XXXX '' for a representative, the phone rings once or twice and then I am disconnected. The automated system is still reflecting a XXXX balance on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
My complaint is with Rush Card from XXXX XXXX on XX/XX/XXXX I received an email telling me about a maintenance cleaning that they were going to be doing and that it would only last for four hours the next day I thought it was fine and that I would be able to pay my bills ( pay-cellphone bill, gas in the my car, buy food for my kids, get costumes, buy personal things for my self ) but everywhere I went they told me that my card was declined. and I 'm still struggling today because of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-02 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.

Company response to consumer: Closed
Consumer complaint received 2015-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
I have a Rushcard and my pay is deposited twice per month there has been an issue with customers of Rush including my self with having access to our money for more than a week some longer. My most recent issue is that my balance is not correct. Rushcard is saying that a gas merchant is holding XXXX for XXXX gas transactions XXXX for XXXX the other for XXXX. I have use this place XXXX of times now all of a sudden they are holding XXXX of my money for XXXX worth of gas, my balance with Rush changed 5 times in one day and on the day i got my deposit into my debit card less than half my pay was in there, that is due to Rush and not the merchant. Their was and is a problem with my availble balance because of Rush, if the merchant is holding my funds it is out of concern that Rush will not pay or when the merchant submits for payment that person will show no funds available because of the issues at Rushcard I have no money to finish paying my bills. XXXX remaing bills are for insurance and if not paid they will lapse. Nothing fair about this, people are suffering in many ways due to Rushcards carelessness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
My account was froze for 5 days. I could not access my money or check my account. My payroll deposit was 2 days late and as of right now I cant log in 2 see my transactions or account balance. You call Customer service and the phone just hangs up. I had to borrow money just to pay my bills. This has been one of the most stressful weeks of my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
My card was made inactive as usual when you go over the limit for your plan in a month, prior to this the amount I had available at that time was XXXX {$.00} it was there until RUSH card system went down then the balance changed to {$0.00} when I access my online account. I 've called customer service several times and have been told the system is still down at this time and no answers for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: CT

Complaint narrative:
My name is XXXX XXXX i have a rush card, I went to XXXX to had money to my card I did XXXX cash deposit XXXX for XXXX dollars and the other was for XXXX. And I never got my money on my card. It 's been 3days ever since Friday. I have bills that is due by a certain time and every time I call rush customer service there is always a long wait with no answers. My money is missing and I wan na it now. I have XXXX plus a grandson so I need my cash.

Company response to consumer: Closed with monetary relief