vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
I received a letter of a debt owed to Lloyd & McDaniel. so I called to see what was the best route to go to repay the debt ( that I 'm still not a hundred percent sure how I got it ). We agreed that I would pay hundred dollars on the XXXX of each month until the total amount was paid. After making the first payment I got a call from human resource at my job about a garnishment from this same company. Thinking there was a mistake I called Lloyd & McDaniel the debt collector to clear the issue up. After being called a liar for fifteen minutes and being reminded that all calls are recorded which I found funny because if they listen to the previous call it would have cleared up this whole situation so I decided to end the call and try back later. I woke up to today to see my bank account had a XXXX balance, so thinking there was a banking error a called them and I found out the company in question was no other than Lloyd & McDaniel. So pretty much they lied to me to get my bank information and withdrew all my funds. It sad because I was going to pay a debt that I 'm still not a hundred percent sure about to keep my credit score high but instead got hustled by a company with no morals.

Company response to consumer: Closed
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: IL

Complaint narrative:
RushCard has somehow offloaded all its clients funds to never land! I ca n't access my account. Ca n't get thru to customer service. No explanation from RushCard. I 've called, been hung up on and on hold for a XXXX ... then hung up on again. I do n't know what 's going on, but I want my money! I 'm being told by their app that I have no cash ... when indeed I just got direct deposit which was released to their banks ... no lost ... Help! Only thru XXXX did I figure out what was going on .... I followed RushCard instructions and to no avail ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 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: Source Receivables Management LLC
State: CA

Complaint narrative:
I discovered this collection account after it was already sent to collections. I never received an initial letter of my right to dispute. I immediately faxed a dispute letter to the creditor and they have not contacted me and continue to report on my credit. I have no knowledge of this account and request proof of the following : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in California ; ( 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
( 6 ) Please provide a complete account history, including any charges added for collection activity. 
( 7 ) What is your authorization of law for your collection of this alleged debt? 
( 8 ) Please evidence your authorization to do business or operate in this state. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX contacted me disguised as a third-party under the name of " XXXX XXXX XXXX '' stating they had a court summons in hand and that they would be at my home and place of work in 24 to 48 hours to serve this summons. This is a violation of sections 806 and 807 of the Fair Debt Collection Practices Act. I have attached the voicemail as well, as evidence. If sound files are not allowed as attachments, I have attached a transcribed message of the original voicemail received on XXXX/XXXX/16 @ XXXX PST.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
I contacted the debt company to explain to the agency that the last time I spoke with XXXX XXXX, I asked them to resend my bill to my new secondary insurance. The associate stated to me that I never requested that. That is not true, I did request to have the bill sent over to my new secondary insurance over the phone, and I also requested it at my last office visit when they told me I had a balance.. It never was sent to my secondary insurance, instead it was sent to collections, and I found out about it through a credit report alert. And now because my secondary insurance did not receive it on time, I am battling with them to review a claim to pay the amount in full. When I asked the lady at the collections department to send it over to my secondary insurance, she told me it was already sent, and that is the amount I have to pay ... Which was a lie! It was never sent. I want this collection removed from my credit report. I will deal with the secondary insurance claim on my own and whatever is left over after my secondary insurance reviews it, I will pay in full at that time. A medical company can not deny sending something to a secondary insurance, and I do not appreciate being lied about the bill being sent to my secondary insurance in an effort to collect money upfront.

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

Complaint narrative:
Was informed of an update to take place XX/XX/XXXX,2015 by rush card ... ..as of today XX/XX/XXXX2015 I am still unable to receive my funds or my direct deposit from work. They are no longer answering phone calls or it will automatically hang up. This is unfair. I have bills and daily living to do which I ca n't because I ca n't access my money

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

Complaint narrative:
With the XXXX XXXX updates to the UniRush system I do not have access to my funds. I was anticipating a direct deposit yesterday and I never received it. To date my account reflects a zero balance and I have pending charges reflected on my account that are duplicates of charges paid weeks ago. Today, XXXX XXXX, I was on hold for 3 and 1 / 2 hours before I actually got to speak with a customer service representative. He told me that he could see my direct deposit in the system and he qued it to deposit, telling me to give it about 2 hours as they are depositing funds every two hours. So far I still have a XXXX balance. Given this debacle, we are at risk of having our utilities shut off. I need that money as it is my unemployment benefit and I am a single parent on XXXX from my job.

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

Complaint narrative:
Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain, in a public forum, why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via XXXX or XXXX, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.

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

Complaint narrative:
Do to rushcard my bills are being late and im being charge late fees my card is being declined.money is taking out of my account that was not suppose to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
I sent my complaint last week ... I Mentioned how they Dont answer, when they do answer u on hold for XXXX hours, every time I ask for a supervisor they transfer me to another agent, or they transfer me and I get disconnected, they wo n't give me straight forward answers I need answered, i got put on hold without knowing and how they lying on social sites this is all on top of whats going on with my account..I should have receive my paycheck direct deposit on XXXX/XXXX/15 to this date no check and today is XXXX/XXXX/15 no agent has called me or anything. Most of the rep just do n't say anything I 'm tired of this this is so stressful

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SQUARETWO FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Fresh view solution is attempting to violate banking usury laws by attempting to collect on an illegal invalid installment loan from XXXX bank through [ XXXX ], furthermore Fresh view has an adverse history in trying to collect debts without original bill of sale chaining all the back to the original creditor in this case Fresh view does not possess any and all required original documentation with original wet signature of officers with personal knowledge from avant again this is a blatant and clear case of fraudulent loan debt collection I am demanding that the CFPB investigate and order this company Fresh view to immediately cease any and all current and future collections of this illegal debt

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 2015-11-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NRA Group, LLC
State: RI

Complaint narrative:
My name is XXXX XXXX, last $ of SS : XXXX. I saw that I had XXXX debts on my credit report. It has been over 30 days since I have been trying to get the debts verified. The XXXX debts were from XXXX and they are now with National Recovery Agency. 
Every time, we reach out to them, they have different information. 
My credit repair consultant sent them a letter yesterday after being rushed by someone who did not want to help. 

Here is a copy of the letter : Please receive letter and supporting documents of Validation of Debt Request for accounts listed above that we already sent to you on XXXX/XXXX/2015. We called on XXXX/XXXX/2015, a representative stated that your company will send the validation of debt within 2 weeks. We called back again on XXXX/XXXX/2015, another representative stated that the file was still with the compliance department. We just called back and spoke with a representative named XXXX who did not take the time to verify any information or asked any additional question but just told us that you only verify information through fax and rushed us to hang up It is very frustrating that the 3 times that we called that we have received different information and that XXXX would not even take the time to gather appropriate information, even after we clearly explained to her that last time they told us that the file was with compliance and to call back within 2 weeks. 
It is either that you are not able to verify the debt or your associates are poorly trained. Either way, per the FCTA, you had 10 business days to verify the debts and it has been one month. 
So, you have 24 hours to verify the debt or send a " pay per delete '' letter ; otherwise, we are submitting a complaint to the Consumer Financial Protection Bureau in regards of your inappropriate care and service to our client. 
If you are not able to validate debt, please send " Pay Per Delete '' letter to : XXXX XXXX XXXX # XXXX XXXX, RI XXXXEmail : XXXXXXXXXXXXThank you for your cooperation and your help.

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 2016-01-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I occasionally use my Ebay account to purchase items over the internet. Since I 've had horrible results with Paypal in the past, I 've set my Ebay account preferences to always default to using my XXXX XXXX as the form of payment. 
On XXXX XXXX, of last year I purchased XXXX, minor sewing machine parts from a single vendor, via Ebay. The order totaled {$38.00}. I made a payment to my XXXX card to cover it, and thought it done, until this week. 
I received a paper statement from Paypal, telling me that only XXXX of the items was charged to my XXXX, and that the other XXXX were charged to Paypal credit, totally unbeknownst to me. I do not have a Paypal credit account, never wanted XXXX, and never agreed to the terms of XXXX. They 'd been charging me 100 % /month late fees, for three months, and that my account was now overdue, and I now owed over {$100.00}. XXXX one hour phone calls with Paypal, and XXXX with Ebay, failed to rectify this, with Paypal insisting I pay the total balance now due. 
I refused, and sincerely hope you stop Paypal from using it 's insider/subsidiary position as the processor of Ebay credit card purchases to poach credit customers from other, legitimate credit card companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
This complaint is about PayPal Credit. PayPal Credit offers promotional financing for certain purchases where interest is not assessed on the purchase if the balance is paid off within a XXXX promotional period. I was attracted by that promotion and paid for XXXX items with PayPal Credit. Both purchases were from XXXX XXXX. The promotional XXXX period expired XXXX XXXX, 2015. PayPal website states that payments may be made for same-day credit until XXXX XXXX on the due date. 

On XXXX XXXX at XXXX XXXX XXXX I tried over a dozen times to log in to pay the remaining balance before the promotional period ended, but the website froze each and every time. When I called customer service to pay the remaining balance, I found out that it closed at XXXX XXXX. 

I tried again to make the payment at XXXX XXXX through the website and finally succeeded in paying the balance due of {$1700.00}. At XXXX, I was finally able to reach customer service. They confirmed that the payment made at XXXX was received, did not know why the website was not working several hours prior, but said they would not waive the interest charges that now applied since the promotional period ended at midnight. 

PayPal 's website made a representation that same-day payments would be accepted until XXXX, but since the website was not working, effectively gave me no opportunity to make that payment since the customer service phone line was closed. I made the payment required under the promotion in full as soon as the website was operational, having to wake up in the middle of the night to do so. 

I was effectively precluded from making an ontime payment by a dysfunctional website and a closed customer service phone line. It 's deceptive to advertise a payment cut-off time, close the customer service phone line, effectively not provide the customer with the opportunity to pay, and then insist on penalizing the customer for PayPal 's own failures to provide the opportunity to pay. 

The promotional interest charges that should be waived total {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I commissioned a XXXX on XXXX/XXXX/2015 through XXXX. The XXXX was to agree to my terms, and even replied with his acceptance : The XXXX submitted several mock ups, however - in agreement with the terms, I stated my disagreement with how the XXXX was handling the piece. The XXXX has received a XXXX $ pay, and will not respond via deviantart note, email, or other. He completely ignores me, and has not sent a mock up in two weeks. Below is the copy/paste of the note from the XXXX : alright, that seems fair as it is also the standard practice. 

-XXXX no less than 1 per week -whole body shot -half of XXXX following the first image and the last image. 
-your email : XXXXXXXXXXXX -my email : xxxxxxx all sounds good to me see you there at the web-based email service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I 'm a victim of identity theft and someone open lots account in my name and I do n't no any thing about this account.

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 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I was attempting to make a {$10.00} purchase through PayPal. Once the transaction was completed, I received an email stating " Welcome to PayPal Credit ''. I immediately ( same day, within an hour of receipt ) called PayPal Customer Service who informed me that this was a line of credit that had been opened in my name and that PayPal had completed a hard credit inquiry to open the line. I informed them that I had not authorized this inquiry and had no interest in the line of credit. They informed me that the inquiry was completed and there was nothing that can be done. A quick XXXX search on this issue turns up numerous sites and forums of others who accidentally ended up with inquiries related to a PayPal Credit Line when they did n't want such a credit line. I am an extremely credit-conscious consumer ( credit score over XXXX ) and feel scammed and defrauded by the lack of transparency experience here. Thanks in advance for any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I was using my PayPal account to purchase an item on EBAY. When the option for PayPal came up I selected pay and link my accounts. PayPal asked for confirmation and the last four of my social security for security purposes. Two seconds later I have a credit card I did not want! They ran a hard check and will be on my credit report for two years. Can I please get this inquiry removed? What can I do to stop PayPal from doing this to other people? They are deceiving and stealing peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Other financial service — Refund anticipation check
Issue: Customer service/Customer relations — 
Company: Google Compare Credit Cards Inc.
State: WA

Complaint narrative:
Between XXXX and XXXX I had my identity comprimised and someone charged my credit cards from the google play store ... over 50 times between this time period. I have for 2 YEARS CALLING TALKING TO SUPERVISOR AFTER SUPERVISOR AFTER SUPERVISOR TRYING TO GET MY REFUND. I 've been hung up on, I 've been left hanging for months ... I have had no resolution. This has caused me financial burden and stress ... and I 'm tired .... so tired of dealing with Google ... I need your help and would like to be compensated for all the pain and suffering ... I do have full documentation of this via emails ...

Company response to consumer: Closed with explanation