vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
I have XXXX charges of XXXX from Gold Key credit XXXX medical bills. 

I opted to pay off these stated debts as this debt collector has been submitting these debts upwards of 5-7 years old as new debt month to month causing ongoing detriment for years which far exceeds the value of the debt. 

IN contacting Gold Key, THEY agreed that paying off the XXXX debts they would fully remove the debt from my credit. 

According to my bank statement, this was paid in full on XX/XX/2016 in the total amount, {$130.00}. 
PURCHASE AUTHORIZED ON XX/XX/XXXX GOLD KEY CREDIT ( XXXX XXXX FL XXXX CARD XXXX To date, the promise from Gold Key to remove this debt has not been fulfilled as it still shows on all credit reporting agencies with mis-leading, false or inaccurate information.

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 2017-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: NC

Complaint narrative:
Stated debt was opened on XX/XX/1991. I was XXXX years old and living at home without a job at the time. They have never provided information regarding what this debt is, or any information to prove it is mine, nor informed me of any hearings in regards to the matter except the final motion to claim exempt property. I was not living in the state of Florida when the final Judgement on the case was served in the state of Florida, nor did I receive any notification this was happening.

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 2016-08-21 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: The CBE Group, Inc.
State: CT

Complaint narrative:
I have an unverified account from CBE GROUP. I had previously disputed this account. I have never done business with CBE GROUP pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CBE GROUP Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
On XXXX XXXX 2015 I cash a check with the company XXXX at XXXX pm and it was suppose to load on my rushcard within XXXX mins I paid the XXXX $ fee in which at this rush card had sent Msg via text and email that they were " up grading " their system from XXXX til XXXX on XX/XX/2015 and XXXX XXXX was a holiday ... XXXX did process the check and the money never made it to my card on the amount of XXXX $ til this day there is no record of that check going to rush card and now my money is missing as XXXX XXXX th 2015 and no one has did anything to find nor return my money back to me there is nothing I can do because the check has been cash thru XXXX .... I want my money and at this point rush card has not assist me in this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Empowerment Ventures, LLC
State: NV

Complaint narrative:
I have had an account with Rush Card for six years now. Two days ago I misplaced my card and had to report it Rush Card and request a new card. Well let me tell about the last XXXX hours on the phone and not being able to contact Customer Service to do what THEY require. Without my card I can not pay rent buy food and pay my bills that are due now. I have already discontinued my direct deposits and changed banks. This whole deal with Rush Card is a bunch of XXXX and needs to be dealt with one the Federal Level.

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

Complaint narrative:
As of XX/XX/2015 I have been unable to access my funds from RUSHCARD. I am 4 months pregnant and I am extremely upset. I had my last paycheck deposited into my account on the XX/XX/XXXX, when it usually is deposited on the XXXX. After going on Social Media I noticed customer complaints about missing money, unauthorized transactions. etc. On the XX/XX/XXXX I requested a block on the card to protect myself from any problems. On XX/XX/2015 my direct deposit was credited to my account. I called RUSHCARD, and was told by a Customer Service Rep that the system was down and they could not pull up my account. I explained that all i wanted was a block removed from my card. She informed me it was nothing she could do. I called customer service and email RUSHCARD everyday for the past 2 weeks. Everytime I called I am put on hold and eventually the line hangs up. Last week I called and was told by a Rep that I requested my account to be closed and they would semd me a paper check for my remaining balance. This is untrue. I never requested account be closed. I called RUSHCARD customer right back, they put me on hold and later call was dropped. I have requested numerous times to speak to a Supervisor, someone that can help me, only to be ignored and hung up on. This does n't suppose to happen XXXX. I have 2 weeks wirhout money, and still no response from RUSHCARD. I am worried about my unborn baby because I have not been able to eat healthy food for the past 2 weeks. My kids are hungry, my car was repossessed, and Im about to lose my storage all because I believed in my country the great USA. I thought this could never happen, but I was wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
i sent a certified letter to XXXX XXXX disputing the chargeoff and lates and they responded back to me in a letter stating they DO NOT have any info on me becuase they sold the old account. i sent a copy of the letter and disputing to equifax to delete this account because they can not verify it. equifax ignored the letter and stated it was verified, i asked about how they verified it, they said through electronicly. i told them i wanted it to be removed for they can not report info on me if they dont have it. they claimed they can not do that and they are referring me back to XXXX XXXX. THEY keep passing the buck back in forth. I WANT THIS INACCURATE UNVERIFIABLE info off my credit report PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I completed my XXXX XX/XX/2008. Since my 10 years For loan forgiveness is coming up I submitted some Documentation from hr supporting the length Of time I had worked as a XXXX. 
I got a reply from the dept of ed stating my loans did n't Qualify. I began looking for a better loan rate Because navient said I could n't lower my rate. 
I was about to refinance my loan with a private company with a lower apr Then navient gave me the number to the dep of ed When I called the dept of ed, they walked me through the application and lowered My monthly payment. I called navient back and the y told me that per dept of ed rules I have To wait ten more years for loan forgiveness. I explained That if I knew I had to apply to qualify I would have done it immediately after graduating They said that it was the dept of ed rules and sorry. They are freezing my payments while my loan forgiveness application is pending. 
Approx 2 months. It seems that they deliberately did not tell me about applying for The loan forgiveness until I was about to transfer my loans from navient to a private lender. 
I do n't feel I sgould have to wait more than ten years for loan forgiveness. They also advised me to take a foreberance on two occasions. I feel taken advantage of and deceived by navient

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Data and Contact Management Solutions, LLC
State: MD

Complaint narrative:
My husband died on XXXX/XXXX/16. He does not have an estate. There are no funds to pay the debts. I notified all of his creditors. XXXX has continued to send bills, text messages & unlike other creditors ( XXXX, etc. ) has n't sent any letters. However, I have received calls from DCM Services which does not provide information about the debt, etc. I have told them twice that there is no estate, that I want them to stop calling me & asked the name of the creditor. Both times, they hung up the phone but continue to call asking to speak with someone handling my husband 's estate, but again fail to advise on who 's behalf they are calling. This is harassing and I find it reprehensible. I need this to stop asap. NOTE THAT I AM PROVIDING MY HUSBAND 'S social security number as they are trying to reach his estate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
In 2013, my Scottrade XXXX and Scottrade Bank account was hacked. Somebody accessed my account and initiated over {$800000.00} of ACH transfers which were then used to trade stocks at enormous losses, essentially buying stocks in my account at a premium while another account was selling them. 

Long story short, Scottrade refused to acknowledge the fraud and blamed me responsible, as a result of Scottrade 's failures I conducted research into Scottrade 's security systems and subsequently warned them in the Summer of 2013 about the database vulnerabilities that Scottrade recently acknowledged after two years of doing nothing. 

Bottom line, Scottrade 's management has death ears when it comes to hearing customers complaints and suggestions - and as a result XXXX XXXX customers are now at risk of identity theft and fraud. 

If you are curious about the complaints against Scottrade and want proof that Scottrade was informed of their security failures please feel free to XXXX " XXXX Scottrade '' or submit Freedom Of Information Act requests to the SEC requesting all complaints against Scottrade. 

My XXXX cents, steer clear of this company and its employees.

Company response to consumer: Closed
Consumer complaint received 2015-12-28 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 in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade Brokerage have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade Brokerage account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade Brokerage but was not supplied with an original account agreement. I signed up for the accounts in XX/XX/XXXX, however, Scottrade Bank and Scottrade Brokerage provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XX/XX/XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade Brokerage use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade Brokerage provide me with the corresponding and original XX/XX/XXXX version of the sign contract and not a XX/XX/XXXX version that is materially different.

Company response to consumer: Closed
Consumer complaint received 2015-12-07 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: GA

Complaint narrative:
Repeated calls for my ex husband 's wife. We have been divorced for over twenty years. I have not talked nor laid eyes on these people in twenty years. The repeated calls are upsetting me and my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: FL

Complaint narrative:
I have received XXXX a letter and repeated phone calls from NRA Group , LLC. I gave them a courtesy call after the letter to explain they have the wrong person. They indicated they would take me off the list. Since I have received at least XXXX additional calls. I consider this harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
We are on Day 5 of no access to our accounts with Rushcard. My husband 's XXXX direct deposit is not in his account. We can not speak with anyone, we can not get a text balance and we are locked out of our accounts. Rushcard has had five days to fix this and no one is getting satisfaction. I 'm sure this is illegal and I hope there is something that can be done. Quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27 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:
Electric company ( XXXX XXXX ) turned account over to debt collection agency for refusal to pay portion of my bill that resulted from utility theft/charges being placed on my account that I was not responsible for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am in the process of purchasing a home for my son and his family. WHile completing the mortgage application, there was a judgement that appeared on my credit report. I have no idea what this is from. 
My loan officer assited in researching the matter as the only number listed on the credit report is the courthouse. 
I filed Chapter XXXX BK in 1999. I included all credit card debt at that time. 
My credit report shows the Planitff as Cach LLC ( XXXX ) with an amount owed of {$6300.00}. After calling CACH, they sent me to XXXX XXXX XXXX CO who apparently now has the debt. I spoke with XXXX XXXX ( XXXX ) who informed me that the debt was from a XXXX XXXX account. The debt is now {$9500.00}. I pulled my BK papers and reviewed the debt that was included in the BK and non show XXXX XXXX. I know there are a few credit cards companies listed on my BK papers that are no longer in existence which is hard to follow and obtain docuemntation ont his debt. 
I asked for the credit card agreement that was signed and was told a request was sent and the timeframe was uncertain. 

I would like proof that this debt exists and how I owe {$9500.00} when the judgement shows XXXX. 

Please call me at XXXX if any additional information is required as I would like to resolve this matter ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
The Cash Store continues to call me while I am at work, even though I left XXXX messages telling them that I work from XXXX-XXXX Monday through Friday and may have to work some Saturdays depending on workflow. I just starting working at this job on XXXX/XXXX/XXXX and I am on probation until XX/XX/XXXX. I work in a call center environment and these calls are disruptive to me because I ca n't take their calls because I am at. I did speak an attorney and he advised they are suppose to call him during the times I asked them to. Their continuous calls are stressing me out and would rather communicate with them through written communication only. If I lose this job, then they will not get anything from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I took out a payday loan back in 2012 with Cash Store. I strongly believe I paid the money back. A couple years later someone contacted me posing as a police officer saying I still owed more money. He told me if I did not render a payment immediately, I would be arrested. He also contacted family members and disclosed personal information and my full social security number. Out of fear, I rendered a {$800.00} payment. It cleared immediately and I never received a confirmation email. Now years later ... I am being harassed again. They are very threatening ... Threaten to come pick me up and hold me without bail ... And say i have committed a felony. They will not provide me with anything in writing and want me to use money gram to transfer or wire the funds. They constantly pose as police officers and/or attorneys or investigators in XXXX XXXX. I have contacted XXXX XXXX court, and none of them are legit. No matter how many times I change my number they harass and leave threatening voicemails for me and my extended family. I feel the Cash Store has sold or shared my information illegally.

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 2016-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have a loan with Hyundai Motor Finance that matured in XXXX XXXX. I had some payments deferred to the back of the loan which were due after the maturity date. I have a contract with HMF stating that these payments were acceptable after XX/XX/XXXX, beginning in XXXX XXXX. I have been making these payments two weeks late because my mortgage payment is due at the same time. I do pay the {$30.00} late fee that they request. HMF is stating that I am 30 days delinquent and have reported that on my credit, which has brought my score down significantly. I have the contract from HMF which states that these payments are acceptable, however when I spoke with a representative they were saying that they would withhold the title on the car when I have completed the payments in XX/XX/XXXX. They have also threatened repossession of the vehicle. They are not honoring their own contract, they are phoning my home after I told them not to contact me there. I have a XXXX wife and this is XXXX to her health. I want them to honor their contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Lockhart, Morris & Montgomery Inc.
State: AR

Complaint narrative:
I owe XXXX for my tuition, I have tried to work with them to resolve this and pay it off. Instead they send my bill to Morris Lockhart and Montgomery in XXXX texas, and now they are threatening to take my XXXX away and get a hold of my employer and have me fired. 

They know what I do for a living, and still they call me while I 'm XXXX ( working ), nearly causing me to wreck on several occasions because I become so perturbed and distraught at the thought of losing my livelihood. 
( Side note : I use a hands free communications device while driving, in the event of an emergency. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation