vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
I recieved my actual paycheck after my original pay date

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: AL

Complaint narrative:
Rush card 's systems were down for maintenance but when they became operational again they no longer allowed me access to my funds. I misplaced my card and blocked its usage online to prevent fraud and am now being told my account can not be unblocked. Every representative I 've spoken with claims they ca n't even view my account however thy insist and often times transfer with out approval or notice. I have been forced to wait for ridiculous hold times exceeding XXXX minutes to an hour and a half and have been hung-up on and refused the assistance of a Supervisor. I was told, " You have all of the information you need so there is no need to transfer you to a supervisor ''. All I want is MY hard-earned money off of this card. Some sort of compensation for this ordeal would be nice but I 'm not going to hold my breath.. These people are unprofessional, incompetent, rude, obnoxious and the list can go on and on. Any assistance you can provide would be helpful and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
On behalf of the XXXX XXXX+ customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : IC3 Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that XXXX also provide a public response.

Company response to consumer: Closed
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
Rushcard went through a system update on the XXXX of XXXX and I have not had access to funds since then, and this includes a direct deposit that was supposed to have hit on the XXXX. I checked my balance after they said the deposits were late due to the system update and it showed on XXXX XXXX, but by the time I got to an atm ( about XXXX minutes later ) the funds were gone and the balance was {$0.00}. I called Rushcard and they claim they do not show a deposit and to contact payroll at my job to see if the funds were returned. My job assured me no money was returned and that Rushcard has my deposit. I have not been able to get in contact with Rushcard as the customer service number now hangs up on you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
I use Rushcard services for my military XXXX deposit, my money goes in on the XXXX and I try to pay may bills but the card is decline. The card I 'm using expiration date is XXXX. So I call customer service and they say the card no longer works because the new card they sent out came back to them for the wrong address. I tried to explain to them that my card is good til the end of the month but the service rep told me that 's how their system works. Even though I have to accounts with them I still can not touch my money. Now the rep tells me to verify my address so I did, the rep then says the card would be in the mail in 2 days. Those days have pass and still no card because they sent the card to the wrong address again. We are now on day 3 and I 'm told they sent it to the right address and ups got it wrong. Mean while I have XXXX accounts with them and they would not make my money available to me. I have child care, cable bill and etc that are due when due otherwise there are no services. A rep sent me an email at XXXX stating they know how frustrating it could be and I might have a card in 3 to 5 days but if I need my funds immediately to leave them my contact information so I left my contact information and now there 's no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
I lost my card two days ago, there was {$940.00} on it. I tried to call right away to have a replacement mailed and to have that card blocked but I kept getting hung up on or I 'd get through and wait, and after XXXX minutes of waiting, I 'd still get hung up on. What if someone would 've found my card? I would 've been screwed because I was n't able to get a hold of someone right away. I trusted these people with my money and what 's worse is that I get outsourced to people in the XXXX or XXXX. I finally got a hold of someone just now after XXXX minutes of waiting. This is unprofessional and now I have to wait to pay the rest of my bills. I still ca n't access my account online!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I applied to receive a loan from Big Picture Loans.com XX/XX/2017. The loan was approved for {$550.00} and the funds were deposited in my bank account on XX/XX/2017.The agent stated if the loan payment is made 3-4 days prior to the due date, no finance charges would apply. I contacted the company on XX/XX/2017 to repay the full loan amount of {$550.00}. At this time the agent stated it could not be done due to the over {$200.00} finance fees. I requestd to speak to a supervisor and was transferred to XXXX # XXXX who stated I needed to cancel the loan within 2 days or repay the loan by XX/XX/2017. The loan agreement does not state to pay by XX/XX/2017 in order to avoid finance fees. I only used this {$550.00} less than 30 days and impossible to cancel within a 2 day period when that option was not clarified. Plus the effective date of XX/XX/2017 was for funds could be received prior to this date has nothing to do with repayment by XXXX. Had I had been thoroughly made aware of BiqPictureloans, com interpretation of the loan agreement versus what I understood it to mean, I would not have accepted this loan of {$550.00}. I believe this company is deceitful and predatory. I want to repay the loan amount I received and nothing more on XX/XX/2017 and have the loan closed out. I want to report this company to your department that is attaching a 559 % annual to their loans. Please forbid this company from doing business in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I APPLIED FOR A CREDIT CARD ONLINE, ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: WA

Complaint narrative:
I unfortunately have XXXX ongoing issues with Rushcard. The XXXX being that a new card was supposed to be expedited to me on the XXXX of XXXX that was never shipped. On the XXXX I called to inquire the whereabouts of my card only to be informed it had not been processed so a new card was expedited on the XXXX to again arrive in 1-2 business days. As of theXXXX of XXXX, I still have not received my card not can anyone find a tracking number to find out where it is. 

Issue # 2. On the XXXX of XXXX, a deposit in the amount of {$400.00} was sent to Rushcard via my employer. I have called ever day since theXXXX, sometimes XXXX times to follow up only to either be on hold for XXXX hours or have the automated system hang up on me. If I did get connected to a rep, I would hear the scripted apology & please be patient. 

The cost of this issue has me losing my car as well as costing me additional rent costs as I was in the process of moving when this fiasco began. I now will owe my Landlord an additional {$220.00} if I receive my money on the XXXX as I was once again guaranteed. My job had been in jeopardy since Its a requirement to have a car. I work with XXXX I 'm forced to take unpaid time off. 

Ther most embarrassing part is that I have not had any money since theXXXX so I 've been scraping by eating whatever is edible in my home. This has consisted of rice & mash potatoes for a majority of the time. I 've run out of both so now I 'm going hungry or eating crackers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Identity Fraud committed against me. Someone used my personal information to open up bank account with Capital One 360 online. Credit monitoring service alerted me to this and I called Capital One to inform them of the fraud. They closed the account, but refused to send me letter stating that the account was not mine, that it was opened fraudulently and that I am not responsible/liable. They refused to send me anything and refused to engage with me on this. FTC guidelines say they are supposed to close the loop and assist the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Credit Service of Central Washington, Inc.
State: WA

Complaint narrative:
My wages started being garnished XXXX XXXX, I called in XXXX XXXX and made a payment agreement with XXXX XXXX for {$300.00} every 2 weeks to get my garnishments to stop. I have multiple times asked for a written agreement of what my payment is to be and when it is due and was told they could n't do that, all they could give me is what I have paid. I called in today and was told I missed a payment on XX/XX/XXXX and that my account was going in for garnishment and that I owed another payment on XX/XX/XXXX and XXXX XXXX was not there to speak to. I asked if I could just make a {$300.00} payment today and call back tomorrow to talk to XXXX XXXX. I was told no I had to make a {$600.00} payment to ( XXXX XXXX ) or I would be garnished again. I made the {$600.00} payment and then asked her again why I would in another week that my agreement was every 2 weeks not ever week. The lady told me you do n't owe next week you owe on XX/XX/XXXX ( which my payment is due XX/XX/XXXX ), I told her that 's not what you just said and she told me to call tomorrow to speak with XXXX XXXX that she could n't give me any more information. I asked than to speak to the owners and was told no. I than asked to speak to the manager there and was told that was XXXX XXXX and I needed to call back tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have received calls from the same credit card company upwards of four times PER DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is a follow up to a complaint I filed with the XXXX about Capital One over a capital one card ( # XXXX XXXX. 

After repeated attempts to resolve my credit card balance with capital one and been mistreated, mislead, lied to and had my credit destroyed ... Capital One just recently sent my account to a company called XXXX ( XXXX ) ( ref. # XXXX XXXX XXXX contacted me saying they were now collecting, although they were very elusive when I tried to get them to admit that they had simply bought the debt. 

They tried to convince me to pay a certain amount by a certain date otherwise it would hurt my credit. They were not specific about how it would hurt it, they simply used that threat to try and convince me to pay what they wanted when they wanted it. They would n't negotiate, they did n't care about the circumstances. 

How is it legal for a company to sell off debt to another company which then has the power to further hurt one 's credit ... .without any of the context of the problem or without any due process? 

This new company refused to negotiate and continues to call me. I told them the situation and made them a more than fair offer, despite the fact that this debt should be settled with Capital One. They did n't even consider it. 

So basically, Capital One XXXX me over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have continuously contacted the creditor whom refuses my dispute of the validation of this unauthorized inquiry. The representative could not provide with verifiable proof of the unauthorized inquiry, because they did not have the right to view my credit file in the first place. Also, The representative could not provide me with validation as requested, and I have continuously advised the creditor that this inquiry does not belong to me, and request that the following be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc.
State: ID

Complaint narrative:
I had my info hacked as a result of identity theft, result being I received a bill from XXXX for services in XXXX. I have filled out all the forms and send copies of all pertitent info on this bill and mailed to Credit Collections Service of XXXX.I have not heard from this collection service since?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One taunts its credit card as a tool to establish credit yet it does not REPORT correctly or adequately to XXXX MY good credit. 1. I have paid on my account now for 1 1/2 years and yet it is not reported. 2. They do not update my balance that decreases every month, therefore inflating a lowered credit score. 3. They do not report my correct credit limit of Credit Line : {$1400.00}. 4. They promise to increase my credit limit with good payment history and yet NOTHING. I am still at a low balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
We received a letter addressed to my husband XXXX XXXX XXXX letter says XXXX XXXX XXXX XXXX, stating we owe a debt to capital one bank. We do not have an account with Capital one. The letter gave us a huge fright and now, believing it is not our debt, we want to ensure others do not get caught by this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis XXXX reported to XXXX XXXX XXXX incorrect Indiana XXXX information. Called LexisNexis XXXX and asked how to get a certified XXXX record to them so they could delete the incorrect report they were sending out. I was told I can not provide a certified XXXX record and XXXX and the Indiana XXXX is responsible for correcting the incorrect third party information. The refusal to allow me to provide the certified dmv record is affecting my auto insurance renewal and the incorrect information resulted in a refusal to renew auto insurance effective XXXX/XXXX/16. I spoke with XXXX ID # XXXX on XXXX/XXXX/16 at XXXX XXXX at Lexis Nexis. They are providing information that affects my financial well being and preventing me from obtaining auto insurance. This is a consumer reporting agency - third party - and they are providing incorrect information and will not allow me to dispute the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a GM card for many years. I was living XXXX since XXXX and paying my card very regularly. I found that they had blocked my ability to pay over the internet XX/XX/XXXX because I tried several times and then it was too late to send a check. I suspect it was purposeful, since I had accumulated thousands of dollars towards a new GM car. Or maybe it was just a security issue about signing in from outside the XXXX. At any rate, I wrote them a letter that I wanted to pay and keep up my card, but they had put it up for collection almost immediately -- which makes me think they were purposely trying to get rid of some accounts that they felt were at risk. So now they canceled my credits and have caused me trouble with my credit report. I would like elimination of the sale of the account in the first place because it was done in a deceptive manner, and secondly to void the debt retroactively because they caused me damage and are preventing me from getting loans as I 'm back in the US now. Here is a copy of the letter I wrote them : Subject : GM Card ( left out ) XXXX XXXX, XXXX Dear Sirs, I have been trying for months to access my GM account in order to pay my bill, but I ca n't access it, so I figure it was not just a temporary glitch and I am writing you instead, and I would like to 1. Know what is going on 2. Pay my bills 3. Obtain a cancellation of any late or interest charges. As part of that, I would like in writing whether you have reported this to any credit agencies, and, if so, a copy of your letter correcting this mistake. 
4. Restore my internet access to the account. This is important to me as I currently live XXXX. 
Please respond to me at ( left out ). 
Thank you, -- -- -- -- -- -- -Please note that the card management is not clear. At the time that it happened, it appeared to have been administered by XXXX, who may have purchased it from XXXX, and I think it was passed on through several other card companies after that. 
-- -- -- -- -- -- I am not sure what the billing address was at the time of the incident. I put one that might be correct, but I 'm not sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This debt is beyond the statue of limitations I am not taking responsibility for the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: United Acceptance Inc.
State: PA

Complaint narrative:
this account do n't belong to me please remove off my name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was the victim of identity theft. On XXXX XXXX I noticed an unauthorized XXXX pending withdrawal from my XXXX checking account to an account at capital one. I requested this transfer be stopped on XXXX XXXX. XXXX XXXX denied my request to stop this illegal transferred allowed it to occur on XXXX XXXX. After contacting the XXXX, NJ police XXXX XXXX did request a return of my money from Capital One on XXXX XXXX. I have never done any business with Capital One how did they open an account in my name?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been on time for over a year and a half and the late payments stated is effecting my approval rates for loans and credit cards so it is in my best interest to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation