vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-20 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: TX

Complaint narrative:
None of the above problems describes by issue. I have a charged off debt owned by a company called CACH LLC. In XXXX 2015, I was contacted by Fresh View Solutions about a payment arrangement. I agreed to pay XXXX per month on the XXXX for six months. After that, we would renegotiate a new payment amount. The amount of the payment is not in dispute. My ex-wife, at the request of the XXXX, needs a copy of the original payment agreement arrangement and Fresh View refuses to furnish this information after numerous requests. They have provided a payment history and a letter stating that the payments were made in accordance with the agreement but this will not satisfy the XXXX. They require the actual payment terms ( amount, due date, etc. ), which Fresh View will not provide. They state that they mailed a copy at the beginning of the payment arrangement, but I have no copy of it and they will not provide another one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: NJ

Complaint narrative:
I requested verification of debt and no information has been received. I need signed documents that I entered into contract with CACH LLC.

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 2015-10-13 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: SC

Complaint narrative:
I was told to email this email to notify them of a story that is going on right now. Rushcard XXXX of the leading prepaid debit card companies has been holding XXXX of its customers funds hostage since Sunday night. They reported an update to take place on Sunday night from XXXX to XXXX. It was then released that it would go until XXXX Monday. It is now XXXX on Tuesday and XXXX of customer like myself are without funding. I cant get into my online account because it says its locked, when you call the customer service line it hangs up or you sit on hold for hours on end to no reply, when you email or inbox them it does n't get a reply this is ripping people off. We have no XXXX to else to call no one else to email or inbox. I think the media needs to shed light on this situation. I am not able to make any bill payments, my payroll check has not be loaded to the card, and if you check any of their social media you will see a lot of people that are just like me. Please he lp bring this story to light so we can get something done. We are being bullied out of our funding that we work hard for.

Company response to consumer: Closed with monetary relief
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: NY

Complaint narrative:
I have used Scottrade for 3 years, 2 times. The first, I should of learned my lesson. Some of the branch reps, are highly rude, talk down, when they in fact make errors and due to technical issues, I lost XXXX on the XXXX. I placed a buy pre-market and has been done plenty of times. After XXXX am Eastern time to XXXX, I could not switch from extended to regular to sell my shares while all else worked fine. I called the branch and was told, " Well what do you want from me? '' Unreal! I told him what happened and he offered one free trade which when after I decided to leave later and said I may come back later, it was removed from my account. Then when I went down to do an in-person wire transfer, another rep messed up in detail after reviewing all information and got double-charged {$50.00}! That is just a small part of what service I received. 

You get what you paid for and will NEVER return, and they SEC, XXXX should look into Scottrade. I have heard so many real stories and i am no sore loser if I lose money. But they have countless technical issues, horrible customer relations and attitude changes dramatic when I turned down a rep from a branch for assistance for a Broker to handle my money. My advice, get out and use XXXX, XXXX, XXXX XXXX, XXXX or any other. Trust me and do not say you were not warned!

Company response to consumer: Closed
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
I 'm not able to access money not able to go online and check my account and not able to login to my account balance is showing XXXX when there are available funds direct deposit is not showing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
RushCard has locked me out of my account for 10 days now and I have no access to my paycheck or student refund from my school. I am a single of XXXX and I am not even able to go to the store to by my XXXX old son formula. I am desperate and upset that I can not even take care of my children because of the technical glitch. I have called their customer service number over 100 times and have gotten hung up on, placed on hold for hours then hung up on, and told by their customer service agents that there is absolutely nothing they can do. Please help my family! I do n't know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Data and Contact Management Solutions, LLC
State: NJ

Complaint narrative:
This is debt belong to my son XXXX XXXX who passed away on XX/XX/2016. The XXXX XXXX XXXX used the collector agency DCM Services, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. Tel XXXX XXXX XXXX. In the amount of {$890.00} Ref # XXXX. Turned over this debt to my name, who is the father. 
My name is XXXX XXXX. I do not have anything to do with this debt or any knowledge at all. I Do Not co signed anything on this debt. I already sent out his original death certificate to XXXX XXXX XXXX notified, verified after his death. DCM Service sent me Certified letter that the debt {$890.00} was once belonged to XXXX XXXX now is be under my name XXXX XXXX. Why is that? 
Do I have responsibility to all my kid ' s XXXX? Till I died too? 
Sorry to say, I have been paying his life insurance all this time, did not know I paid for nothing because he was over XXXX years old. 
Now for this I did nothing, 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 2015-12-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: SC

Complaint narrative:
Rush card asked we provide information to them to release funds. They told XXXX hours, has merchant release forms, are rude, hangs up in on. Holding out funds where we could not access funding from payroll that 's from our work! Causing us to have late payments and could not access funds during a disaster for shelter or gas to get to work. They give us misinformation and multiple representatives laugh and say it 's nothing we can do you will have to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MO

Complaint narrative:
I have been rushcard member since 2008 and I stopped using it for awhile after the big issue they had before but a friend said if you do direct deposit you 'll get funds a day in advance. So i reactivated it, first direct deposit went through but todays didnt and i banked on getting that money for gas and food and i havent even made it to work and is on hold with them as im writing this 2 hours now. This company should not be allowed to play with people hard earned money and thank XXXX i didnt deposit my whole payroll check or id be in hospital for having a XXXX XXXX. Its not right!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
According to a number of recent articles released today, such as ( XXXX ), Scottrade Bank as well as Scottrade Brokerage was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade Financial Services is the victim which means the hackings encompassed both Scottrade Bank and Scottrade Brokerage.

Company response to consumer: Closed
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:
I am writing on behalf of my son. My son and I opened a custodial account with Scottrade and the account was a victim of a cyberattack that allowed over XXXX to be stolen. 

Scottrade has endeavored to cover up the hack and refuses to provide statements of the XXXX theft. Scottrade has refused to address the matter internally and upper management has acknowledged that their security systems failed to stop the fraud. 

As a result, Scottrade had refused to respond to the past XXXX CFPB letters. I am simply asking that Scottrade provide me with a copy of the arbitration contract but Scottrade has not responded. 

I kindly request the CFPB ask Scottrade to provide an original version of the arbitration agreement.

Company response to consumer: Closed
Consumer complaint received 2015-10-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
on XXXX XXXX weekend i was affected by the RUSHCARD fiasco.I didnt recieve my direct deposit as i normally do and when i did i wasnt able to access my online account due to being locked out. I am not able to check my balances due to the text alerts not working. the problem was said to be fixed however here it is time for pay again and i have not recieved anything. I have attempted to reach out to RUSH Card at XXXX and i continue to get hung up on. I would just like to be able to access my money so that i can move my services elsewhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: OK

Complaint narrative:
About 2 weeks ago ( XXXX XXXX, 2015? Rush Card ( UniRush ) said they would be doing a system update. Well since then I have been unable to access my funds. I have called everyday since this has been going on and still havent heard anything. I have been told they cant access my account and that its being worked on and there is nothing they can do. They have a system called Rush Goals that is like a savings and I have money in there that I cant access to withdraw off the account. I have been a member with Rush Card for 5 years and this is unacceptable. I have contacted them via phone, email, XXXX, XXXX, and XXXX and no response from anyone. I need my money, that is money i use to set aside for grocerys and I cant do that. Please, Please Help Me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: NRA Group, LLC
State: PA

Complaint narrative:
On Friday XXXX XXXX 2015, I received a voicemail from XXXX. This number does not match the collection agency so I believe it was spoofed. The caller claimed to be from the XXXX county sheriff 's office and stated that I had XXXX warrants out for my arrest and that by calling me, I had been ''served '' I have no warrants and this call was from National Recovery Agency , a bill collector. The caller did not identify herself or state that she or the company was a debt collector. It is illegal to impersonate law enforcement and I doubt the sheriff 's office would take kindly to this.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
UniRush owns RushCard prepaid and on XXXX XXXX, 2015 RushCard was suppose to do maintenance to their website which was suppose to be completed by XXXX then it was XXXX. When I spoke to someone on XX/XX/2015 they claim the problem would be fixed in a few hours once I told them I was n't able to load money on my card. When I called again on XX/XX/2015 and told the representative RushCard had locked my card the representative kept having me put in my information on my online account to the point RushCard had put my account on hold. As of Wednesday XXXX XXXX, 2015 RushCard has Deactivated XXXX if not XXXX of it 's customers cards, locked their accounts, and stolen our funds. Now XXXX hours later customers still have no access to their cards, their money, and when you call RushCard their representatives have such bad broken English, they do n't comprehend English, and they ca n't assist customers. Like many other customers I have to pay bills among other things. At this point customers believe RushCard has stolen everyone 's money and continue to lie about it being an update. I 've never seen any company take XXXX hours to do a system update. UniRush needs to be investigated because they 're holdong customer 's money hostage and do n't give a XXXX what anyone has to do. When you call the UniRush Corporate phone number they never answer and when you call the RushCard customer service number you 're on hold for an hour then you get someone on the phone who ca n't assist you because they ca n't speak English properly. 

RushCard first locked my card then they deactivated my card with my money on it and they 've done this to XXXX of other customers as well of their system is giving the wrong information as well as their system told me my card is n't even activated. I 've called their customers service far too many times and have been told XXXX lie after another. They 've refused to compensate their customers for all the inconvenience they 've put us thru and they 're not trying to move fast enough to fix the problem.

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

Complaint narrative:
I was supposed to get paid on XXXX XXXX. Today is XXXX XXXX and I still have not received my direct deposit. My car was scheduled to be towed, rent never paid and several other bills due including daycare. I had to stay home from work. Rush card then cancelled my check and sent it back to my company two days before notifying me, which then took an additional five days to be mailed. Therefore I am still not paid

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
i bought a new car thru kia finance the monthly payments are due on the XXXX of every month I enrolled in auto pay to have it withdrawn automatically from my checking account on the XXXX of every month, I called to cancel auto pay because I decided to pay myself on the due date every month I was told that my DUE DATE was changed to the XXXX instead of just my request for auto pay on the XXXX when I brought this to the attention of XXXX supervisors I was informed that the DUE DATE could not be changed for a year!!! I explained that it was an error on their part not mine and was told that there was nothing they can do they made the mistake I never wanted the DUE DATE changed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
Dear CFPB-I was served court documents by the above named Law Firm dated XXXX XXXX 2015. After following through filing and answering back to this Law Firm with proper legal documents. We have received more legal/letter documents dated XXXX XXXX. 2015, upon reading and reviewing all the documents, the Law Firm has erroneously and falsely indicated in these forms that I had acknowledge having legal counsel concerning my rights and stipulation concerning these forms. Also from previous phone conversations on XXXX XXXX. 2015, we had requested XXXX ( Law Firm Representative ) to please contact XXXX that we are willing to settle the debt for half the amount if possible. We feel that she never attempted to contacted the Bank, other then admitting that the debt was reviewed and that our request is denied. I also feel that my rights as a consumer are being violated by this Law Firm forcefully wanting me sign their forms/documents. Please advise me of proper legal proceeding with this Law Firm. Thank you kindly for your assistance. 

Respectfully-XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Barclay 's bank issued a new XXXX XXXX XXXX card to me in 2015 that I did not request and then sent it to the wrong address along with subsequent statements and eventual termination notice. I live at XXXX XXXX XXXX but the account was associated with my name at XXXX XXXX XXXX By the time I learned of the issue the account had already been closed for nonpayment. The representative I spoke to on the phone told me that nobody I could speak with on the phone could reverse the negative impact on my credit report once an account had been closed. The agent also confirmed for me that no purchases had been made on the card but that I had been assessed an annual fee that then accumulated interest + late fees and eventual closure of the account. I obviously can not be expected to respond to correspondence that is not sent to my correct address, let alone pay an annual fee for a credit card that I did not request or use.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hunt & Henriques
State: CA

Complaint narrative:
In response to complaint # XXXX Debt Collection Law Firm Hunt & Henriques I have enclosed copies of a judgement defendant XXXX that this law states it belongs to me. I have no contractual agreement with Hunt & Henriques nor XXXX. Hunt & Henriques must permanently cease and desist. I have also fied a complaint inquiry with the Attorney General office state of California. I have also filed a formal complaint with the Federal Trade Commission for violating the FDCPA. A formal investigation should be conducted by your agency against this Hunt & Hemriques. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I had no knowledge of this account. I tried to dispute this account before and no changes were made.

Company response to consumer: Closed
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX IA XXXX To Whom It May Concern This letter is to request help ; we have just learned that our XXXX on our home with Rabobank has entered into foreclosure. We had a line of credit that we have been paying on without issue, it matured in XXXX XXXX which we did not realize and never received notice from bank. Around XXXX XXXX when payments were not being credited out our account correctly I went into the local bank in XXXX and learned our credit line was due and we need to refinance which I obtained the paperwork and began the process. Around XXXX of XXXX I learned that the bank had started the foreclose process and all paperwork which was turned into local bank was relocated to the foreclosure division. I worked with a XXXX XXXX whom turns things over to someone else about month ago. I have completed all items that I 'm aware of and not word or understanding on where we are in process. I want to save my home please HELP! 
Questions please let me know. 
Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
I 'm XXXX years old and my junker XXXX XXXX XXXX goes up in smoke on the side of the highway. It 's XXXX and I have n't been able to find work since XXXX because of College. I have no money in my bank account, and awful credit. In desperate need of a car I walk myself into a XXXX dealership and tell them I have absolutely no money and need a car. With no work history, no money, awful credit, and at XXXX years old they approved me for a 36-month loan for $ XXXX, {$21000.00} for a {$13000.00} vehicle. I 'm almost XXXX, can barely afford to take even XXXX or XXXX classes a semester a the XXXX college, absolutely can not afford this car without starving myself and living in it. I am willing to return the car but I feel taken advantage of and I can not deal with this loan.

Company response to consumer: Closed with explanation