vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
I have not been able to access my accounts since XXXX XXXX, 2015. I call Rushcard 's customer service line and not only is the wait over two hours but once you reach a representative, they hang up on you. I spoke to the representative on XXXX XXXX. I was told that since I can not transfer money from XXXX account to the other, I can request new replacement cards. Not only ca n't I access my money but I was told that I will be charged {$34.00} per card. I was promised that my cards will be delivered to me no later than Monday, XXXX XXXX ( XXXX delivery ). I contacted Fed-Ex and there is no record of any package being sent to me. Not only did Rushcard lie about sending me new cards so that I can access my money but they also lied about sending it via FedEx after I was on the phone with different supervisors for three hours. My cell phone got disconnected, my lights got shutoff and I have had to resort to friends and family for help with gas and groceries for me and my XXXX daughters. This has created an enormous financial hardship. I was not able to pay for my daughters ' childcare s I have missed days of work. Not only am I unable to access my money but I 'm losing money in the process. Something needs to be done against Rushcard and I am looking into filing a lawsuit for my pain and suffering! Please help! I am a single mother who works XXXX jobs to make ends meet and that is still not enough. Someone needs to give me answers since Rushcard continues to hang up on me after hours of being on hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-22 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have received at least XXXX solicitations for a balance transfer from CapitalOne over the past several weeks. I decided to accept their offer onXX/XX/XXXX at approximately XXXX. Upon completing the informationfor the transfer, Capital One shut down my account due to " suspiciousactivity ''. When I called them, they cut me off XXXX before asking me aseries of questions, which had no answer from a representative whodid not have a capable command of the XXXX language. Questionsincluded the age of my father, which I answered correctly, a car that Iowned XX/XX/XXXX, which I answered correctly, and towns where I lived, which did not exist ( e.g. XXXX, NJ-there is no town called XXXX, NJ, I did tell them that I lived in XXXX County, NJ at some point, whichserved to confused the issue ). They informed me that I would have to filepaperwork to re-open my account due to possible fraud. This is not thefirst episode of ridiculousness that I have had with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
I have an incorrect collection on my credit report without verification of debt. I asked for verification of contract and have yet to receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc.
State: NV

Complaint narrative:
Common Wealth Financial has previously been notified that the debt is from Identity theft. They deleted it in from XXXX, but on XXXX XXXX, 2015 they reinserted the debt in my XXXX file. XXXX different collection agencies reported the same debt on my credit files within 30 days. XXXX/XXXX/2015 XXXX reported it. XXXX/XXXX/2015 Common Wealth Financial reported it. XXXX/XXXX/2015 North East Credit & Collect XXXX inserted the same bad debt on my XXXX. There is no way XXXX debt collectors can have a legal right to pursue XXXX bill at the same time with XXXX of them listing it 15 days apart in the same month.. Commonwealth Financial has the XXXX debt SEPERATED into XXXX accounts instead of the total being listed once. I 've spoken to the original creditor they tell me it should be listed as XXXX account number, NOT XXXX. They 've separated it to do as much damage as possible to my credit scores. The same {$1300.00} bill had been listed as {$3500.00} in my reports.Why would they remove from XXXX bureau then at a later date report it another?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Thomas & Williams LLC
State: IL

Complaint narrative:
I received a call from a company, XXXX XXXX, stating that I owed a payday loan that I never took. I did look into one years ago, but the fees were outrageous and I did n't finalize anything. They stated that it was my responsibilty to prove I did n't take it and that the fact that they had my information was enough for them to prove I did. All I have is a phone number for them, XXXX and after searching online, I found that they are doing this to alot of consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
XXXX XXXX has been working with servicer, PennyMac, for over four years trying to accomplish a short sale or a deed in lieu. XXXX first contacted her mortgage servicer when her hardship began to avoid foreclosure and find a resolution that benefited all parties involved. Upon review of the short sale in XXXX, PennyMac declined the short sale and encouraged XXXX to complete a deed in lieu of foreclosure instead. Upon completion of the DIL review, PennyMac then advised XXXX to re-list the property as a short sale and attempt the short sale. This was incredibly misleading as the previous buyer walked when the short sale was declined. Now, years have gone by without resolution on the debt and PennyMac 's unwillingness to work with her has caused the property to go into foreclosure. Once again in XXXX, the property was listed for sale via a short sale and an offer was received on the property. We ultimately had to dispute the value set forth by the VA and we had an agreed upon adjusted value and offer in the amount of XXXX. PennyMac then issued a decline on the XXXX offer stating that the net proceeds were unacceptable due to the deficiency on the loan. We reached out to the VA and they confirmed that PennyMac 's decline does not abide by VA servicing guide and that the servicer, PennyMac, should have accepted the short sale offer on the property. Please see attachment. Since XXXX XXXX, we have been unable to get answers on PennyMac 's short sale decline. The court agreed to cancel the foreclosure sale date of XXXX and reset the sale date to XXXX to allow additional time to close on the short sale. The foreclosure sale date is now re-approaching and we have not gotten anywhere with PennyMac. They have encouraged XXXX, yet again, to apply for a deed in lieu. There is a decent offer on the property which should have been accepted back in XXXX. It is clear that PennyMac is not willing to work with this homeowner who is clearly trying to avoid foreclosure and find a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: BlueChip Financial
State: KY

Complaint narrative:
I had contacted a payday loan debt consolidation company, XXXX XXXX XXXX. My representative name was XXXX XXXX. The company sent out letters and I believe contacted Spot loan to cease all ACH debits and I revoked the withdrawal of payments from Spotloan. They sent a limited Power of Attorney. 

Spotloan continued to go into my account and my bank refused to do a reversal of payments. I have put a stop payment on my account. This left me in a worse financial situation. 

Since this time, I have cancelled my participation in XXXX XXXX XXXX and I have since learned that online payday loans are illegal XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX toll XXXX faxI have also filed a complaint with XXXX XXXX XXXX XXXX. Since XXXX sent a letter, they have sent me an email which I will attach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MD

Complaint narrative:
I am a Rushcard holder. I have no idea why. I have bank accounts. I will close my Rushcard account after I get my money. I received a text stating my card had been blocked for suspicious activity and to contact Rushcard. I called them immediately and upon me calling, I started receiving text stating I am being issued a new card and it will be in the mail in 7-10 business days. I began asking what was compromised and a better explanation and the rep is short with me and tells me that it comes from coporate. It has been 7 days, I still do n't have my " new card ''. They did n't even offer me the option to expedite the card! I get paid tonight and will not be able to access my funds. This will be a deposit of over XXXX. I have XXXX children. I work everyday. I called again today and XXXX, the floor supervisor in customer service told me to wait until Monday and at least my money is on the card and I should n't be upset. And if I want to get a lawyer to go ahead. I then called XXXX customer service who told me, someone will call me back in 2 business days! I am very disappointed. I told my family members about the service due to THEM not having a bank account. I should have never opened a card with them. That Fee holiday is XXXX. They should be ashamed. Please someone do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 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: NRA Group, LLC
State: RI

Complaint narrative:
The NRA LLC ( National Recover Agency ), stating to represent utility provider XXXX repeatedly calls my home attempting to collect a debt that is not mine. I have made numerous attempts to convince them that the debt is not mine and that the last XXXX digits of the social security number they have provided are not mine and the address of the property involved is not owned by me or under my control. They have threatened to take legal action if I do not satisfy the debt, refuse to hear my explanations, have hung on me and continue to harass me after I have asked them to cease calling.

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 — Savings account
Issue: Deposits and withdrawals — 
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 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 HTTP or HTTPS, 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 2015-10-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
I am a Rush card holder customer. I have not had access to the funds in my account since XXXX/XXXX/15. I can not move, withdraw, or access my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: NJ

Complaint narrative:
Never recieved a bill so i do not understand why im recieving this letter. I have insuranc so i should be covered for whatever procedure!

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 non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
Well on Thursday the XX/XX/XXXX I loaded {$85.00} on my XXXX Rush card I went to use it XXXX there were no funds I was on hold from XXXX in till XXXX jus for someone to tell me sorry your funds should be there shortly we are working on are system. Then here it is XXXX still not able to use XXXX because there is no money where is my money. I cant pay any bills are any thing. I would like to know what XXXX is doing people need to live to

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing has not processed my loan modification and is basically blaming me for the delinquency, stating that they did n't get documents. This would be my second time using them for a first loan modification. I had sent my new application to them in XXXX timeframe. I had decided to go with back with them since it was a pretty smooth process the first time. This time has been a complete fiasco. They sent me a letter stating that my loan modification had been approved XXXX/XXXX/2016, subject to information ( one form ) that was faxed to them on XXXX/XXXX/16. A Delinquency Letter was sent XXXX/XXXX/16. After that, a letter a month came with a new issues every time. After speaking to them on various occasions, they stated that there was nothing to worry about, all of this is was standard procedure for loan processing. However, like I said previously my loan had already been processed and was approved. As the mortgage statements came I continued to pay the amount stated as my modification. Then they sent me a letter stating that my application was n't complete in XXXX 2016, the document missing was a tax form. We sent the document that they requested four different times as you will see from the faxes. They also had left out the information that was needed on the tax form and by the third time sending it then asked for a letter of clarification. The main problem was that they took an IRS form and made it theirs ( which was illegible on their part ) I ended up downloading the form directly from the IRS site. After they said the form was legible they said they would reprocess my application which had already been approved in XXXX. It has been an on going battle. They said my loan should be completed by XXXX XXXX and scheduled a conference call for the XXXX. Prior to that they sent a letter stating that they had not gotten a response from the third party loan ... On the call on the XXXX then stated the application was with the underwriters and would still have to get word from the third party loan. Ocwen went on to give info from help if loan does n't go thru ... What?????? Please review all attached documents to help settle my compliant. I am XXXX and do n't want to lose my home to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: AFNI INC.
State: AR

Complaint narrative:
I received an email informing me that a late payment had been listed on my XXXX report the morning of XX/XX/2017. The compsny was Afni, and before yesterday morning I had never heard of them. Later that same night, I received notification that the same company had also reported to XXXX. I was never contacted by this company to receive notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Collection is continuing to collect a debt with an erroneous balance and fraudulent charges. I 've continued to requested a detail statement of all principal charges and have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Affiliated Group, Inc
State: AZ

Complaint narrative:
The last correspondence I sent this company on XXXX XXXX, 2015 pertained to a demand for validation. The company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

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 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
The employee took down all of my information. He signed me up for an account. Then asked me to wait a second left the office and came back with an adverse action letter. He said some banks may be reporting incorrect information and this is why he is denying me an 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 2015-07-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX-XXXX etc..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-11 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: The Affiliated Group, Inc
State: WA

Complaint narrative:
I had a debt of {$830.00} owed to XXXX XXXX XXXX. On XX/XX/2016 I made a payment of XXXX over the phone to a man named XXXX. It cleared my account. ( # XXXX Seq. # XXXX ) with my debt card. I received a bill for the balance in XXXX and sent a check for the balance of XXXX well be fore the end of the month. I noticed credit monitoring activity. It showed that The affiliated group have a Collection against me for the whole amount of {$830.00}. I have noticed that the XXXX check has not yet been cashed and XXXX will not tell me if they received it. I want to pay the XXXX to whomever but want to be sure that I do not have to pay the Collection agency the amount I paid XXXX on XX/XX/2016. I have a bank statement showing I Paid them over the phone the XX/XX/XXXX {$270.00} of the {$830.00} debt. I want this off my credit report a.s.a.p.

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 2016-01-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
This complaint falls under ALL the above issues ... My Risk Management department called me regarding a call they received stating that I was going to be served at work. I in turn contacted the number left, and was told it was for a credit card that was charged off in 2011 and if I did not settle with her on the phone, she would have no choice to take me to court. When I asked for a validation letter, she referred me back to the original creditor and told me that they would be able to tell me who the debt was " sold to, and sold to again '' until I got right back to the lady I was talking to. She was willing to settle the debt over the phone, or take me to court and add on thousands of extra dollars in fees.

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