vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
I am long time customer of rushcard and recently they updated and changed their technology and now im not able to access any of my money no deposits are showing up and im not able to contact anyone working for this company I think they are stealing everyones money and trying to get away with it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03 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, After reviewing this document : http : XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.

Company response to consumer: Closed
Consumer complaint received 2015-10-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: IA

Complaint narrative:
I have had no access to my money on my card for 3 days since they tried to upgrade, I have spent several hours on hold, with no resolution. They have sent out several social media messages saying the problem is fixed, or saying it will be fixed and as of this moment I still can not access my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: H. Kent Hollins, Attorney at Law, P.A
State: OH

Complaint narrative:
A check was written in XXXX of XXXX in Kansas at XXXX. I advised the company that I left the country in XXXX of XXXX. I am being garnished for this currently is n't the statue of limitations 7 years. I never received any information on it I did get a few phone calls in XXXX and then a letter from my payroll department starting this garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
I loaded {$300.00} dollars to a Rushcard on XXXX XXXX. The funds have niot been added to my balance to allow me to get the money. I have been calling for almost three weeks to have it fixed and am constantly rerouted with no solution.

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: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
Rushard has denied me access to my active account. I have in the account nearly $ 200.00+ a refund from a department store of {$36.00} that bever posted. I have called, emailed and posted via social media several times. I 've even spoken to someone and was told my issue is on the radar and being escalated. Rush has made several promises to call me back with a day or hour. The phone lines are down. I have been borrowing money for gas to get to work and to feed my kids until I can make it to another payday. As a single mother of XXXX this has a been a strain on me. Please help, what rush card is doing is morally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Michigan Mutual, Inc.
State: WA

Complaint narrative:
I applied for a loan to purchase a home in XXXX XXXX. I was a pre-approved $ XXXX with XXXX XXXX, Mi Mutual Mortgages. We moved on with the purchase, did the inspection and they were working on the loan. They kept on asking me for documents over and over and I provided them with everything requested. I was told that everything is ok that the loan is just processing and we are waiting for the appraisal. The whole process was longer that usual and the communication very poor. At one point right after the appraisal was done my lender completely stopped communicating with me. He never answered my calls, e-mails or text messages. Just to find out from my realtor right before closing that the loan was not approved and they need more documentation. Now the file got moved to the company 's branch manager, XXXX XXXX, who took over from here. He was as bad in communication as his employees. The only updates I got were from my realtor and she was trying really hard to keep this communication going. They kept promising us that they would review the file at a higher level in the company. All the emails that my realtor shared with me clearly stated that they would n't approve us, but XXXX kept saying that they were working on it. They even pushed us to get an extension where my earnest money would have been jeopardized. Luckly my realtor did not let this happen, knowing that all we have in hand is a promise. At that point the listing agent got involved and he had his wife, who happens to be a lender try to look at this loan and see if anything can be done. XXXX completely refused this. This is when we found out that Mi Mutual had not even done a verification of employment, almost two months into this transaction, although they had all the necessary information from the beginning. 
Now if they knew so long ago that this loan wo n't get approved then why did they do appraisal? I spent {$700.00} out of my pocket and an additional {$350.00} on inspection just to tell us two months later that they ca n't approve the loan. This is outrageous! 
I tried contacting them several times requesting at least my appraisal money back. It was their mistake from the beginning. I felt like they overlooked and ignored my file until later in the transaction and they were trying to save it all at the end. 
Now when I asked for a resolution and my appraisal money back, I got no answer, no response to my emails or calls. I have received no communication from the mortgage company whatsoever. 
More so, going through another lender afterwards, they would only approve me for max $ XXXX. This is almost $ XXXX difference!!! How can they be so off in their calculations if they had many sets of eyes going over my loan? This is unethical and Mi Mutual Mortgages need to be held accountable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
Hi ON THE XXXX OF XXXX I WENT TO XXXX AND DEPOSITED {$840.00} ON TO MY PREPAID RUSHCARD ... .UP TO THIS DAY THE XXXX OF XXXX I HAVE YET TO RECEIVE THIS MONEY ON MY CARD FROM THIS COMPANY ... ..I CONTACTED XXXX AND THEY TOLD ME THAT EVERYTHING WENT THROUGH AND THE PROBLEM IS WITH RUSHCARD ... .I HAVE CALLED RUSHCARD FROM THE XXXX UP TO TODAY THE XXXX OF XXXX AND CAN NOT GET THROUGH TO CUSTOMER SERVICE..THEY ARE HANGING UP THE PHONES, ,NOT ANSWERING, ,LONG WAIT TIMES TO TALK O SOMEONE..ETC ... THE FEW TIMES I GOT THROUGH TO THEM LAST WEEK THEY TOOK MY INFORMATION, REFERENCE NUMBER FOR MY XXXX DEPOSIT AND SAID THAT IN 2 DAYS MY MONEY WILL BE ON ... ..STILL NOT ON MY CARD ... ..CALLED AGAIN AFTER THAT THE SAME EXACT THING ... YOUR MONEY WIL BE ON IN XXXX HOURS..UP TO THIS DAY STILL NOT THERE ... .I HAVE BILLS TO PAY, RENT, MEDICAL FEES, ETC ... NO ONE CARES AND NO ONE IS HELPING ... ..ON XXXX THE OWNER OF RUSHCARD ID ON THERE SAYING TO DM HIM AND EMAIL CUSTOMER SERVICE..I DID THAT MANY TIMES AND STILL NO RESPONSE ... .THIS IS BY FAR THE WORST POSSIBLE THING I HAVE EVER GONE THROUGH ... I WANT AND NEED MY MONEY ... .HE IS SAYING THAT EVERYTHING IS UP AND RUNNING BUT YET THOUSANDS OF PEOPLE STILL CAN NOT GET ACCESS TO THERE MONEY AND ACCOUNTS ... .JUST ENDLESS LIES ARE BEING TOLD ... ..WE NEED OUR MONEY NOW, ,AND W NEED TO BE COMPENSATED BECAUSE THIS HAS MESSED UP MY LIFE AND MANY OTHER 'S ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
On Wednesday XXXX XXXX 2015 money has Been missing off my pre paid rush card my money came on my card around XXXX and ask soon ask i when to check my account i saw a transaction of XXXX dollars i didnt make. I really need that money a back on my card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAC Financial Corp
State: FL

Complaint narrative:
received a notification from all XXXX credit agencies that this entry was made to my credit history. have contacted the collection agency in question 4 times to try to verify the debt and get more information. To date ( 4 months later ) I have not yet received a reply. Have tried calling them 3 times only to hear that the manager will call me back. No-one has called me back

Company response to consumer: Closed
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade submitted false information to the IRS and refuses to correct it, that is the short story. 

More information : During the past years when I previously used my former Scottrade account, I noticed a number of problems with Scottrade 's XXXX submissions that they were reporting to the IRS. The problems included incorrect trade dates, improperly formatted items, and most severely incorrect profit/loss calculations. ( Brief research on this topic shows that Scottrade has a number of complaints about late, false, or incorrect XXXX. ) I contacted Scottrade to have these issued resolved and unbelievably, they refuse to respond and claim that because I am no longer a customer, I am no longer eligible for account services. Interestingly enough, the IRS agreed with me, corrected the problems and sent me a balance for the overpaid tax. Shortly after that and shortly after my complaints to Scottrade, Scottrade re-submitted unchanged XXXX forms to the IRS. The IRS then processed those forms and promptly asked for the balance that I had received back.

Company response to consumer: Closed
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Upon selling my home XXXX PennyMac failed to refund my entire escrow account. Despite a letter from PennyMac stating they have {$240.00} for me all I need to do is tell PennyMac I want the money and they will send it they continue to hold the money. I emailed the documentation they requested to advise them I wanted the money and I have also called PennyMac twice yet PennyMac continues to provide excuses about why I have n't received my money. I have provided my current address on XXXX occasions yet PennyMac can not seem to update their system to reflect the proper address.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Adjusters, LLC
State: ME

Complaint narrative:
This alleged account is reporting on my credit report ( s ). I am unaware of this account, and I did not receive any or telephone contact, in regards to this account. I have been residing at my current address since 2014, and I do not recall any letters being mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Requesting payoff balances from JP Morgan Chase on a XXXX Mortgage and a XXXX Mortgage. The loans are residential and not a short sale. The Home is part of an Estate Chase will not provide the payoff balances to escrow. Our Attorney who handled the estate faxed to Chase the death Certificate and the superior court letter appointing the executor of the estate. Chase said have her call she called they would not talk to her without the same paperwork. ( Death Certificate and Court Letter appointing the Executor ). Faxed a second time got a file or ticket number. Executor called again they said they did not have the documents again refused to talk with her again and requested the documents again. Escrow and the Estate Attorney and the real estate broker faxed the documents again and got ticket numbers. Executor has been calling and escrow has been requesting the payoffs for over a week and still no payoffs have been provided..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has a " policy '' that any deposit made after XXXX will be credited the next day, however CASH deposits show as available money in the account, available after making the deposit at anytime of the day or night. Chase openly admits that they have now charged my account three times because a cash deposit was made after XXXX and transactions that were pushed through that night caused and overdraft fee despite the fact that my account clearly showed an " available balance '' of higher than all transactions. Chase hides behind their " policies '', but what they are doing is criminal. The Cash deposit was in the account BEFORE the charges were pushed through, the available balance was higher than the charges, but Chase is still charging an overdraft fee. 
I noticed on a Chase bank complaint message board numerous similar complaints, where someone pointed out the obvious fact that a CASH deposit is a CASH deposit. It does not matter what time it is deposited. It is given an automatic available balance, so if the the money is in the bank before the charges go through and is available, it would be illegal to say that there were insufficient funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
We are now in our 2nd year and our 2nd attempt of trying to get a loan modification, Chase our mortgage holder has done everything possible in putting obstacles to getting it done, Including fraud and out right LYING

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Chase credit card specifically in order to use it for the no balance transfer fee and no interest on transfer balance for 18 months. I was accepted and instructed Chase with all pertinent information to pay off my old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Visa account. Chase claims they have done this but the XXXX has informed me after repeated inquiries by telephone that they have no record of this transaction. Repeated requests for action from Chase via telephone and their online messaging system have gotten me a promise that I will receive a letter in the XXXX mail in 30 days with an answer to my request. This is unacceptable. Chase made a mistake and is not proactively fixing their error while I am, in good faith, currently paying off XXXX credit card debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX, my office ( Home Loan Alliance Title ) initiated an outgoing wire from our escrow account held with Chase Bank. The wire we requested was for {$100000.00}, sent to XXXX XXXX XXXX. This wire was to pay off a current mortgage lien. 14 days ago, when we initiated this wire, the funds were deducted from our Chase account by Chase and showed completed. Yesterday I was notified by Chase the wire was not sent to the recipient, XXXX XXXX XXXX. It was instead held for review and Chase now needed further verification in order to release the wire. It 's been held for14 days without notification and as of today Chase still has not released the funds. When Chase contacted my office yesterday I was transferred to a couple different agents within their company for assistance but none who could resolve the issue. XXXX XXXX was one of the agents I spoke to and she verified there were no errors in the account information enter on the wire. She also provided a reference number ( XXXX ) regarding the wire issue and stated I would receive a call back. The next call I received was from XXXX XXXX with Chase. He stated the Chase compliance department needed information regarding a third party ( XXXX XXXX ). Not understanding why and XXXX inability to explain, I requested to speak to someone in the Chase compliance department and was told XXXX XXXX would contact me. I am still waiting on that call. Meanwhile, trying to get this urgent issue resolved, I 've since emailed several others people within Chase and spoke to XXXX who is at our local branch and XXXX XXXX from another department. Both calls ended with no resolution and that someone will contact me. 
As of right now, Chase is still in possession of the {$100000.00} and the loan the wire was intended to payoff is accruing additional interest and fees. 
The way our account and this issue is being handled by Chase is not only extremely unprofessional but also negligent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: COAST PROFESSIONAL, INC.
State: VA

Complaint narrative:
The intake department at XXXX online was so helpful until they got my money, after fraudulent claims and withholding information regarding my tuition. They also wo n't release my transcripts because they applied the next semesters charges to my account and said I have an outstanding balance for the XXXX semester. Very deceitful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XXXX XXXX, I dispute a series of charges made with chase credit card with online merchange premier cru. The merchant has failed to deliver the " pre-arrival '' wine that were ordered years ago, I have expressed concern to the card card specialist that they should block all transactions linked to this merchant since it appear that they might running a " fraud '' company or ponzi scheme. XXXX XXXX, I submit my detailed claim for all my chase credit cards. The merchant premier cru has since filed for bankruptcy and which means that they will not be able to deliver all out-standing merchanise. 
Chase issued provisional credit, which they subsequently reverse, citing reasons i ) that they have contacted the merchant and they did refuse to issue a credit Upon investigating and calling in, I found that they called the " wrong merchant '', another shop of the similar name and claim that they have done their due diligence. Next, they send me a report of another consumer 's credit dispute which is completely un-related to the case. It an act of gross negligence and breach of confidential information. 
They continue to cite that the charge is valid, due to the date of the charge, and the merchant is n't under obligation to provide credit to the account. This is not true when as of the time of dispute XXXX XXXX, bulk of the charges are within 540 days chargeback limit. When I call in again, saying that the " XXXX '' case is under FBI investigation, and it is most likely a fraud and hence qualify for protection, the specialist stated that nothing is certain till the investigation is finalized On XXXX XXXX XXXX, XXXX XXXX, the owner of XXXX, once a leading wine merchant, was escorted into an XXXX, XXXX, courtroom by federal marshals last week, shackled hand and foot. In a low voice, XXXX, XXXX, pleaded guilty to a single count of wire fraud in connection with a massive Ponzi scheme he operated at XXXX XXXX, the XXXX XXXX he cofounded with warehouse manager XXXX XXXX in XXXX. 

Given this new evidence, I hope chase credit card will handle the case diligently, given that the consumer look toward to the card credit|agency to detect such fraud and at the same time, there has been repeated warnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I purchased a car from XXXX in XXXX 2015. Upon purchasing the car, it was unknown to me that the company was not in business in the state of Florida. In XXXX upon trying to renew the decal for the car, I was told the car had no owner. I reached out to XXXX XXXX who was the person I was interacting with upon the purchase. He gave me a number to a XXXX XXXX. Upon speaking to this individual I was advised he did not have any paper work in the car. After not being able to contact XXXX XXXX for some time, I reached out to the finance company which at the time was Western Funding. After speaking with their titles department, I was advised by XXXX XXXX, they have been investigating this company which was also known as XXXX XXXX XXXX for fraud. They had XXXX cars with no titles to them from this company. Their legal department was looking into this, but in the mean time, I still could not renew the decal for the car. After filing a report with the Florida State XXXX, I was able to renew the decal and I was also given the title to the car. The finance company wanted the title to the car, even after all the fraud that was going on with the car dealerships. They repossess the car. I still have the title due to it having no lender on the original title.

Company response to consumer: Closed with explanation