vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-16 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: SQUARETWO FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This is a paid debt that is more than 10 years ago and yet the original creditor charged it-off but continues to report it even though it is very old. The collection agency has switched several times over 10 years. The current collection firm will not provide me with the note signed by me nor a listing of all payments and dates. This is the third collection agency for this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Delta Management Associates, Inc.
State: AZ

Complaint narrative:
They called ( XXXX AZ ) and told me they were calling on a recorded line. Asked for my DOB and SSN. I refused, asked them to explain who they are and why calling. Refused, gave company as " DELTA MANAGEMENT ASSOCIATES, INC. '' -- I asked for EIN/StateFileNumber, they refused. I asked them to validate, claimed they sent letter - never arrived. I see they are a debt collector, but never told me they are collecting debt. Simply refused to say anything but ask for my SSN/DOB. 

Collector Called From : XXXX

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 2015-10-28 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: KY

Complaint narrative:
Could not use my Rush card. My electricity was disconnected due to this poor service.Still as of today I have money on the card but ca n't access the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
This company has taken double the money debit from the acct. Then u have to call and wait for rep to apply money back to ur card. There not posting Direct deposit s to the card. Took over five days to get my paycheck refunded to my payroll dept to read issue. Makes promises of quick and speedy service tht always turns into a few days wait or no nothing at all. In turn ur calling the company back to try and get the problem rectified. Wen u ask for a Supervisor they hang up on u or leave u on hold

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
I placed an order online with XXXX in my RushCard account show as pending, called the company several times & I 'm being told they do n't see a transaction but my money is gone from my account balance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK
State: OH

Complaint narrative:
This is in regards to XXXX and the illegal transactions posted in my XXXX Bank account. I 'm not going to drop this issue until you acknowledge the fact that Finpari.com is an illegal company and every transaction from them is null and void. I will not accept your previous " determination ''. The SEC and CFTC even says that Finpari.com is illegal. I urge you to contact them so we can be done with this.

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

Complaint narrative:
I am a card holder for " RUSHCARD '' and for 10 days i have not been able to access my account due to a programming switch glitch within the company. Not only myself but XXXX of other card holders are suffering due to this situation. We all have payroll checks Goverment checks posting to that card. the bank that Rushcard is affiliated with is XXXX. Now my XXXX payroll check will be deposited on my Rushcard account tomorrow and i still can not access. This has been going on since XX/XX/XXXX. 
As it stands i can not pay my bills all services are on final notice and can not pay rent so my housing is on the line. My job is on the line cause i can not drive to work nor pay anyone cause i have no access to my funds. Can not purchase groceries i work everyday for minimum wage in the State of Connecticut and i am not really making the bills now. i have moved 3 times this year cause of financial issues and now to have my pay check just taken from me is more than i can bare. i am a XXXX mother of XXXX it was XXXX children but XXXX are grown and have families of there own.But i still have XXXX that i have to take care of and XXXX is XXXX. i have been a member since XX/XX/XXXX and never encountered anything like this. I call i go through the automated and get transferred to customer service just to get hung up on. i have called over 30 times in the past 2 weeks and end up with the same result Nothing. No Explaination no Compensation for the hardships that we all as cardholders are enduring at this time. We are loosing everything and nothing is being done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
My employer releseased my paycheck funds to XXXX ( the bank that services my prepaid Rushcard ) on XXXX/XXXX/15. Actual paydate for is is XXXX/XXXX/15. It is now XX/XX/2015 and Rushcard has not posted my paycheck. They wo n't return my emails and when I call the XXXX customer service number, they place me on hold and then it rings twice and they hang up. I live paycheck to paycheck and I am facing eviction if I do n't get my paycheck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
I went to the bank on XXXX/XXXX/16 to do a cash advance for XXXX from my Rushcard debit card and the teller never received a authorization number from the terminal or printout to give me my money. The teller stated it was not going through, it kept giving him a error message.But the withdrawal and fee was pending on my account till this afternoon on XXXX/XXXX/16. It cleared my account and now Rushcard Does not want to return my money when they were having system issues and doing a system maintenance update the same day. I am very unhappy, because it was not my problem and customer service is not able to see the error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
I contacted Rush Card via the phone. Informed the rep that I had several codes and ask which promo would be bet for direct deposit. Gave the code, waited. Had problem setting up the direct deposit. Finally did and did n't receive XXXX $ sign on bonus. From XXXX I called daily being given th4e run around. I was told my code was invalid, I would receive the bonus. Needless to say when I informed the rep I was recording her rudeness she hung up. I was physically writing down her comments. I was repeatedly lied to and informed that I had been escalated and promised resolution and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Goldman Sachs purchased my mortgage note from XXXX XXXX in 2006. A securitized transaction that included my home loan was completed on XXXX XXXX, 2006. 

The transaction names XXXX Bank as the Trustee for Goldman Sachs XXXX XXXX XXXX XXXX. 

The transaction is deemed invalid, as the mortgage note was not transferred or recorded into the Trust within the 90-day closing period that is required by New York law and the Pooling and Servicing Agreement. 

For the past few years, Goldman Sachs has relied upon XXXX XXXX XXXX Mortgage and XXXX Bank to fabricate fraudulent Assignment of Mortgage documents in an effort to gain a legal standing to execute a foreclosure sale against my home. 

These types of action have led to the recent approval of a civil lawsuit against Goldman Sachs for {$5.00} XXXX Dollars ; which, I am seeking inclusion in the suit for wrongful foreclosure, unfair business practices and excessive emotional grief. 

Without recording the mortgage note into the Trust within the required 90-day time frame, Goldman Sachs, its Trustee or other representatives have no standing to foreclose on my home. 

I am a U.S. veteran who should not be subjected to shady financial transactions that were orchestrated by banks / investors who assisted in the toppling of our country 's financial system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
TSC Accounts Receivable Solutions, claims that I was admitted to XXXX Hospital XXXX for medical treatment on XXXX XXXX, 2011. As I have no record of this, I have requested XXXX items from TSC Accounts Receivable Solutions : 1 ) A signed copy of the admission and/or release form showing I was admitted on this date. 
2 ) A signed form showing they are assigned this debt and have authority to collect on it. 
To date, TSC Accounts Receivable Solutions has not provided either item, nor any other signed document showing I am responsible for this debt. 

TSC Accounts Receivable Solutions has provided me what they call an " itemized bill '' and a " Hospital XXXX Admit sheet '', stating these " as proof of this debt and his responsibility for payment '', but if I was truly admitted to the XXXX, I would have had to sign forms to allow treatment and for financial responsibility. To this point, TSC Accounts Receivable Solutions has not provided any signed documents. 

At this time, TSC Accounts Receivable Solutions, and indirectly XXXX XXXX XXXX XXXX, has and continues to cause me financial harm by providing credit reporting companies with negative information that they either can not, or will not, prove. 

Reporting false information to credit reporting companies is a violation of the law, and both parties continuing refusal to provide the above information makes this matter even worse. I am trying once again to get TSC Accounts Receivable Solutions and XXXX to provide this supportive information before I pursue my rights under FCRA regulates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
Investors bank has increased my monthly payment from {$1300.00} to {$1800.00}. Calls to the bank were not returned although representative promised they would call back.

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 2017-03-01 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Century Credit & Collections, LLC
State: CA

Complaint narrative:
Century Credit & Collections , LLC has continued to harass and threaten me with constant telephone calls. I was threatened with credit reporting that would adversely affect my credit. I have made multiple attempts to reconcile the account with a repayment plan. Century Credit & Collections , LLC refused to accept a payment plan I could afford. As a result, I was hung up on. These kinds of strong arm tactics are unacceptable, unprofessional and create emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: LA

Complaint narrative:
Friday, XX/XX/2016 I cancelled a layaway at XXXX and the {$400.00} was credited back to my prepaid card. Rushcard credited the account in an hour and then blocked the card for potential fraud. i used the card to do the layaway at XXXX that is the reason the money was refunded back to the card. rushcard states i never used the card at XXXX which is a lie. i have {$280.00} that i do n't have access to plus i will receive a direct deposit to the card in 2 days that I will not have access to. They claim the corporate office has to review the matter and release the hold. I have submitted a documents requested such as id, ss card, proof of address and receipt of transaction at least 4 times since Friday still no resolution. this is causing me a financial hardship and i am very disappointed with Rush card. I want to officially file a complaint on Rush card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
I have been a loyal customer with Rushcard since 2005, NEVER IN MY LIFE HAVE I EXSPERIENCED SUCH APPALLING BEHAVIOR FROM A BUSINESS, I AM OUT {$280.00} DOLLARS I HAVE DORECT DEPOSITED FROM CHILD SUPPORT! AND LOCKED OUT OF MY ACCOUNT! HUNG UP ON WHEN I TRY AND CALL TO ACCESS MY MONEY HOW DO THEY EXPECT PEOPLE TO LIVE DAY TO DAY WITH NO MONEY ... OUR OWN MONEY WE CAN NOT ACCESS ... 10 DAYS I AM IN DIRE STRAIGHTS DUE TO THE INCOMPETENCE OF RUSHCARD, XXXX, XXXX XXXX ... ..GIVE ME MY MONEY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP
State: CA

Complaint narrative:
i was at work when a women claiming to be a debt collector with Capital Management call my Supervisor and told her that I had a debt and she was trying to collect from me. She then told my boss that she called my phone before asking who she was calling for. 
i this is a violation so I called to make a complaint and told then I was unaware of any debt and to onloy contact me via mail. I spoke with XXXX and he could not find anyone in the complaint department and tried to side with the woman who called. he then said he would review the call..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I notice an unauthorized charge on my credit report from advance america. They claimed I took out a loan in the year XX/XX/2012. I have not taken any loans out during this year or prior. I had a bankruptcy XXXX XXXX I was paying for. This charge on my credit report is not mine. 

I can be reach at XXXX. XXXX Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Hillcrest Davidson & Associates
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 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: CARS Acquisition, LLC
State: GA

Complaint narrative:
On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX XXXX, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account CAR FINANCIAL SERVICES via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with CAR FINANCIAL SERVICES ( XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX ). 
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX XXXX XXXX XXXX, Georgia, ( XXXX XXXX XXXX, Clerk Superior, State and Juvenile Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX. XXXX XXXX, XXXX, TX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with CAR FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ). 
On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing CAR Financial Services , Inc. the following : I do n't know anything about this debt please send to the Original Creditor. 
As Resolution of this complaint, I ask that CAR Financial Services , Inc. stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14 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: Systematic National Collection, Inc.
State: CA

Complaint narrative:
After I moved from an apartment the manager turned the apartment into a model by by bringing in furniture and place settings. Then telling me I am still responsible for the rent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I am paying on medical bills monthly. The company I was paying sent me to collections because I did not set up a payment plan with them. I was told if I did not pay the full amount within XXXX days they would send to collections. Since I have so many bills piled up, I can only pay a small amount each month. I have not been sent to collection in the past and have/had very good credit. Now my credit score is decreasing because XXXX of the bills I have been regularly paying on that sent me to collections. Thanks to our XXXX insurance plans we are required to carry, I am now swimming in debt. Why do some companies allow partial payments and some do not? Does n't seem fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I am seeing a debt on my credit report, I have no payday loan with any company for the last 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Capital Management Services, LP
State: NY

Complaint narrative:
Starting in XXXX 2016 my husband and I have been receiving phone calls from XXXX, Capital Management Services wanting our social security numbers and birth dates. I asked them what this for, they said unpaid debt, and I told them my husband had a XXXX XXXX and has XXXX and to explain to me. I would not give them a ss number but did give a birthdate which was not his and told them to cease and desist. A supervisor told me they had the wrong party and they would comply. Now we are both getting these unrelenting calls again, days, nights, weekends several times a day. Now they say unless I give them ss numbers they will not stop. I said you have our address and to put this in writing. I ask where they are located to send a cease and desist and they will not give it to me. I am not releasing any personal information over the phone to Capital Management Services. I am assuming this is a college loan but I am really not sure what type of loan it is because they will not divulge any information to me regarding this collection. I ca n't describe my issue because I do n't really know what it is. Also, they do not have permission or authorization to use our cell phones. This is not our debt! They have the wrong people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
This debt agency keep calling my telephone number XXXX day and night harassing me and trying to threating me about this debt. They went to far by calling my place of employment.

Company response to consumer: Closed with explanation