vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-10 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: SC

Complaint narrative:
I pulled my credit report and saw this company on listed as collecting XXXX. I myself personally do not go to XXXX any amusement parks. I sent in a dispute in writing in early XXXX 2015. I kept calling back to get the status of the dispute and was continually told to call back each week. I finally received correspondence in the mail showing what supposed charges. I requested to have the contract showing where I agreed to the account, date I agreed to the contract, and proof that the account was mine. The agency was only abel to provide me with a copy showing it was drafted from a XXXX account, but it did not show my name as listed on the XXXX account. I called this morning and spoke with XXXX XXXX. I advised her I received the documentation only showing that the account was drafted under XXXX. She was extremely rude and berating. I advised her that I requested further documentation proving the account was mine. She then in a heated and belittling voice told me that was the documentation, and that it was my account. I advised her that what was sent was not proof that it was my account, and that since I have requested complete validation of the debt over a month ago, and that it was not provided that under FCRA the account needs to be removed from my credit report. Her tone took an even more hateful tone. She then started to not let me speak, and basically called me a liar in so many words. I told her that since my name does not appear on the drafting account for XXXX I needed social security number that is attached to the accountI. She rudely stated that there is not XXXX. I asked her how can it be proven without my name on the XXXX account and my social how can this be proven it is mine, and then her response was " XXXX does n't require a social. '' I asked to speak with a manager and she said she was a manager, and that there was no XXXX higher i could speak to. I asked her her extension and she advised me that she does n't have an extension that we were speaking on a recorded line for managers at extension XXXX. I advised her that I would be getting in contact with the Attorney Generals office in her state and she just said " OK! '' I have the written documentation that was sent to me and I would be glad to send it in to accompany this complaint via fax. I do not have a way to scan it at this time, but can fax it today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: TN

Complaint narrative:
I am unable to spend any funds on my RushCard. I have waited on hold for more than XXXX hours. I ca n't get anyone to assist me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade continues to report fraudulent information to my tax file using information that is knowingly false and admittedly in dispute. Throughout complaint forums and other media, customers continue to have problems with Scottrade reporting false information to the IRS and refusing to correct it. I am suffering some the same failure and as a result have suffered significant damages. I kindly request Scottrade remove the information submitted to the IRS in accordance with my previously submitted letters.

Company response to consumer: Closed
Consumer complaint received 2017-04-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: NC

Complaint narrative:
I have been trying to get my IRA with Scottrade transferred to my local credit union for almost a month now. Scottrade continues to call & email, tells me that I and the CU are requesting distribution via incorrect forms ( which they 've emailed to me, ) that we ca n't have it sent to the account we are requesting, that we 've checked an incorrect box, etc., and it appears Scottrade is giving us erroneous info from what we can research online and the info from our CU ( a nonprofit. ) I submitted the 4th request ( at the very minimum ) for distribution today, just had a voicemail from Scottrade that they had more questions before it could be processed. I went online to Scottrade 's site and printed and completed the forms required for distribution last night - including a form that NONE of the many people with whom we have had interactions had bothered to send or tell me about. I am XXXX years old - past the age of concern about age for distribution, have an IRA at the CU that I should be able to easily transfer the Scottrade IRA to, have earned ALMOST NOTHING from Scottrade in years ( even tho they made big promises at the outset about how it would grow even tho a small amount, ) and I am VERY tired of this - want the check send to the CU XXXX my IRA. This is more than ridiculous and a nuisance. I have spent HOURS trying to get this IRA transferred to my local CU.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: NRA Group, LLC
State: AZ

Complaint narrative:
I recently moved to Arizona where I established a phone line through my cable provider for work purposes, as I do work from home. My employer reimburses me for this phone line so it is considered my work phone number. 

I received a call from XXXX XXXX on XXXX/XXXX/2015 @ XXXX in which I requested the number he called to be removed from their system as this is not a personal number and used only for business purposes. He continued to aggressively try to make me arrange a payment even after I requested no contact and asked that he only contact me on my cell phone number, which I know they have on file, as they have contacted me @ that number in the past. 

Then again on XXXX/XXXX/2015 @ XXXX, I received a call from National Recovery. I advised that I told them last week not to call this number, that it was for work purposes only. He was belligerent and rude and told me that I needed to advise of this in writing. I know my rights and a verbal request to not have contact @ my work phone number is well within the scope of the law. He refused to hear me and continued to argue with me over the phone. I politely terminated the phone 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 2015-10-31 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MD

Complaint narrative:
I was suppose to recieve a reversal from the merchant two days ago. However it has n't posted to my account there was an atm error in which the money that I was suppose to recieve was not dispensed to me however the full amount wss charged to my card. 
I have contacted rush card on a consistent bases just to get the run around. I am pregnant and ca n't eat because they have took my money. I have no help! I am devastated please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
To whom this may concern, In reference to my previous complaint about Scottrade 's treatment of my son. I have attached a bank statement that shows just how egregious the fraud at Scottrade has been. 

Over {$800000.00} of unauthorized ACH transfers occurred and Scottrade refused to refund the stolen money.

Company response to consumer: Closed
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: SC

Complaint narrative:
ON XXXX XXXX COMPANY RUSH CARD DID A SOFTWARE UPGRADE AND IN THE TRANSACTION PROCESSING SYSTEM DID N'T GO AS PLANNED CAUSING MY ACCOUNT TO SHOW XXXX BALANCE AND I HAD NO ACCESS TO MY MONEY I HAD ON THE RUSH CARD WHICH MEANT I WAS UNABLE TO PURCHASE FOOD, I COULD N'T PAY MY CAR PAYMENT, PAY MY BILLS WHICH CAUSE SOME TO BE LATE AND ADDED LATE FEES WHICH I WILL BE RESPONSIBLE FOR NOT RUSH CARD, AS OF TODAY XXXX/XXXX/2015 SOME REMAIN WITHOUT ACCESS TO THEIR MONEY MORE THAN A WEEK AFTER TECHNICAL PROBLEMS FIRST BEGIN THINGS ARE STILL NOT RIGHT AND THINK RUSH CARD SHOULD BE HELD RESPONSIBLE FOR ALL THE PAIN THEY HAVE CAUSED ME AND MILLIONS OF OTHER USERS ... THANK YOU!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Loan officer at quicken loans did not explain fees up front and lied when I directly asked the question about fees. She eventually apologized saying she misunderstood. Once I submitted my application and submitted my {$500.00} appraisal deposit she refused to order the appraisal saying I need to submit all my documentation to order the appraisal. I know this is not the case and want them to start processing my loan or the sellers agent said they will terminate the agreement. I also need to get a credit decision for their special loan program and told the loan officer if I do n't qualify for that program I would not use them. I think she is stalling to get closer to settlement date so I do n't have the option to start elsewhere. The loan officer said I was approved for the special program even though she is not an underwriter and did not have an underwriter look at the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
GOLD KEY CREDIT INCACCOUNT NUMBER : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXPHONE : ( XXXX ) XXXXFax XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : GOLD KEY CREDIT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXXSOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

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 2015-08-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SQUARETWO FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am receiving calls from a debt collection company for a non-existent debt. I originally filed a complaint to comsumerfinance.gov XX/XX/2014. The company'w response was that my name was closely associated with one they had a contract with. They admitted they had no contract with my name or s.s. number and said they had removed my number from their system. However, to this day they continue to call me and leave messages that I need to contact someone in their company about a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: WI

Complaint narrative:
On XXXX/XXXX/15 {$950.00} was directly deposited to my rushcard. Immediately I made some purchases. Leaving an available balance of {$590.00} on my rush card. On XXXX/XXXX/15 I received a text message saying my card has been blocked and to contact a representative at rush card. Numerous attempts were made to contact a rep. On XXXX I found out I would have to wait for rush card officials to " fix '' their system in order to spend my own money. Not one rep could tell me when this would take place. As of this evening I 'm still not given a specific time frame my hard earned money would be available to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I was given a Visa debit card as a XXXX gift by my employees. When I attempted to use the card I learned that it had a zero balance. Following a little more investigation I learned that several transactions had been made using the card number and had exhausted the cash value. I called XXXX at XXXX but could not talk to a person. I left my phone number with a request for a phone call I received nothing. A few days later I called again but was still unable to speak with anyone so I faxed all the information to XXXX at XXXX on XXXX XXXX, 2017. I was assigned XXXX case numbers XXXX and XXXX via a letter sent to me on XXXX XXXX, 2017. Yesterday a representative called my home phone and left a message stating that I needed to start the whole process over. I called again today and waited on the phone line for 30 minutes just hoping that I would get to talk with a real person. No luck. Please help me.

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 2016-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have owned my home for 14 years, not once in those 14 years have I made a late payment on my mortgage. My mortgage was apparently sold and is being serviced by Ditech. In XXXX 2016 my automatic payment for my Principal and Interest was not deducted from my bank account, there was however a NSF Fee. I contacted Ditech immediately to inquire about the issue. I was told that I had been sent a letter ( I never received ) requesting proof of flood insurance and when it was not provided that Ditech had opened an escrow account and my payments would be significantly higher due to this added escrow. This is not the first time I have had a mortgage servicer request proof of flood insurance, I gathered the requested information and faxed it to them immediately. I followed up and was told it had not been received. I sent it again. I followed up and was advised it had been received and would be resolved. I then began receiving letters that my account was delinquent, I called back several times. They refused to take payment unless I paid the Escrow amount that I had already been advised was not warranted. On my second attempt to make a payment, I explained the issue and spoke with a supervisor that authorized the payment on the principal and interest to get me current, she also assured me that once my insurance was received the insurance coverage they opened would be stopped and the escrow account closed, to find out afterward they applied it to the escrow account. I have sent Fax after Fax, email after email, proof of insurance for flood. Once confirmed they had updated the flood insurance, they then opened a Second account ( forced insurance ) for Hazard that no one until that moment had mentioned to me. I Immediately sent proof of Hazard insurance. I have requested in writing that the escrow account was not authorized or opened by me and requested it be closed, this was declined they said due to non payment of the same escrow account I have proven was not opened by me or required. My Insurance documents have been verified as having been received and updated yet I still can not make the proper payments on my mortgage. My insurance coverage has never lapsed, expired or been cancelled due to non-payment. I have been advised by ditech on several occasions that this will be resolved, yet it never has been. I have made dozens of calls requesting escalation and an insurance assessment and am still unable to get this issue resolved. I just want to pay my mortgage. They have received all requested information yet they are determined that I am going to have an escrow account and I am going to have to pay my insurance TWICE every month.

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 2015-08-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: NY

Complaint narrative:
they keep collecting debt that 's not mine they took me to court and stopped the case because they forged documents signatures etc. so they agreed to stop all collections now they put it back on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
I am one of the many affected by the RushCard fiasco. Today is the XX/XX/2015. My card is still being declined. I spent XXXX hrs on hold today. I have received txt saying my funds are on my old expired card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11 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: Source Receivables Management LLC
State: TX

Complaint narrative:
Reported a debt that is not mine to all XXXX credit reporting companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I have a loan with pennymac transfered from XXXX XXXX to XXXX. I spoke with people fromPennymac more than a week ago. They told me they were going to send me papers in the next seventy two hours, and I have not heard from them. My name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
This past year, my husband spent 7 days in the XXXX. A XXXX, who does not get paid during the summer and I, a XXXX XXXX XXXX will not receive a paycheck until XX/XX/XXXX. We are unable to pay XX/XX/XXXX 's mortgage and contacted our mortgage company, Penny Mac. For two weeks I have contacted our assigned representative, over 15 times as well as calling into other departments in an attempt to get a response. On XX/XX/XXXX I spent 45 minutes discussing our situation and was told I would receive a call in 2-3 days. On XX/XX/XXXX, I missed a call from our newly assigned representative and returned his call an hour later. I have left 15 messages for him as well as his superior and other departments have emailed him as well asking him to contact me. No return call has been received since XX/XX/XXXX. I was attempting to call early to avoid any late payments and work out a solution for XX/XX/XXXX, but it is clear Penny Mac has no interest in contacting us or assisting in this matter. Today, I sent a 3rd message in their message center and there to, have received no response. Penny Mac claims to want to help their customers but it is clear they have no interest unless it makes money for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
My mortgage was recently sold to PennyMac. PennyMac 's website does not interface well ( if at all ) with the Safari web browser resident on my iMac. There are XXXX Mac users and I am not the only customer with this problem. PennyMac acknowledges the issue, but it prevents me from making extra payments or finding out important info regarding amortization, etc. PennyMac has known about the problem since XXXX 2015 and " hopes to do something about it over the next year. '' If a company can not service the loan of a perfectly happy customer with their original lender, then what recourse does the customer have?

Company response to consumer: Closed with explanation