vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
This is an insurance claim that I have talked to the provider about and provided insurance information to. I was covered by Medicaid and the provider is NOT suppose to bill me for anything other than the contracted co-pay set by Medicaid. {$1000.00} is NOT a co-pay. When I talked to the provider of the medical services, I gave them the insurance information and they said they would file it with Medicaid. I am not liable for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
Rushcard did send out emails to inform customers of technology updates XXXX Monday XXXX XXXX that should have been completed by XXXX.This in turn denied ALL access to funds on card.The next response from the company was that updates were taking longer than anticipated so as of today XXXX XXXX ALL Rushcard members do n't have access to all or part of their funds, have n't received direct deposits from employers..nothing.there is no one answering calls from Rushcard or Metabank or they hang up on you.So no answers and no money.my employer will not cut me a check because the direct deposit was accepted by Rushcard and they have n't rejected the funds.My paycheck as well as other card members is being held hostage with these companies.as of now ca n't pay bills ... .missing work ... this is devastating and I 'm sure there are people affected more deeply than myself.please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: RSI Enterprises, Inc.
State: TX

Complaint narrative:
did received a payment notice from collecting agency RSI ENTERPRISE, INC for the amount of {$110.00} due for service non received at XXXX Texas to clarify that XXXX XXXX XXXX XXXX is Under investigation for insurance fraud .complain filed by myself to Texas XXXX pratics askin RSI stay out of my life till the above is resolved also a letter of complain XXXX was filed XX/XX/XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
I have the Rushcard. I 'm sure you are aware to the current issues. I was unable to use my card for transactions since they updated their system over 12 days ago. I was unable to pay for my mail order medication so I was without for 5 days. I was unable to pay an emergency room co-pay because I could n't use my card. I was forced to go the the emergency room because I was unable to get my medicine because I could not use my Rushcard. I called Rushcard was on hold for over an to only be told we do n't know when our system will be working. Then today I received a email from Rushcard telling me they can not locate my account. This is unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
Source RM Receivables repeatedly calls me for what they claim to be a {$300.00} from a XXXX Hospital in XXXX XXXX. I dispute this bill as not mine or owed as I was insured at the time. In addition, they continually refused to provide me with their company name/ contact information/ and repeatedly refused to provide me with a supervisor to speak to ; just put me on hold and had the same representative I spoke to 'pretend ' to be a supervisor, when I repeatedly stated I do not owe this debt they stated they would put my account as 'refuse to pay ' as opposed to actually verifying any information with me regarding it being a legitimate debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I am writing in regards to the hacking that occurred at XXXX Scottrade Bank. 

Specifically, I seek clarification on whether my passwords were encrypted or hashed. 

Scottrade 's press release here : XXXX, states that the passwords were encrypted and NOT hashed. 

If Scottrade did not hash passwords, I would like to know why, and I would like to know if the encrypted key has been or could have been targeted in the hack.

Company response to consumer: Closed
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NE

Complaint narrative:
My direct.depoait is missing as it should have deposited on friday, XXXX XXXX 2015. As of this morning still nothing. My employer ca n't reissue a check until they get a rejection notice from rushcard so until I 'm BROKE ... no one to borrow money from ... car payment needs to be paid ... .rent needs to be paid ... .other bills need to be paid ... ..unable to ... .what 's crazy is that people I work with received their money but me I 'm still waiting ... .please do something about this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: APEX Asset Management, LLC
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: PA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: PR

Complaint narrative:
Scottrade Bank promised that by opening a Scottrade Bank account I would be able to increase the speed of my transfers to and from my XXXX Account. 

After opening a Scottrade Bank account, I got a call from Scottrade 's National Service Center saying my account was going to be closed for " business reasons ''. I was furious and called the branch manager who said there was nothing he could do. 

The worst part is XXXX XXXX and Scottrade Bank did not allow me to transfer my funds out myself and instead put me in the backseat while their back office took over 6 weeks to print a check and send it, without tracking, to my address. 

Overall, very bad customer service and communication with clients. I would recommend moving your money elsewhere.

Company response to consumer: Closed
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC.
State: NY

Complaint narrative:
GOLD KEY CREDIT SCAMMED ME THEY NEVER BILLED MY INSURANCE I GAVE THEM MY INSURANCE INFO THEY PURPOSELY DONT BILL INSURANCE TO SCAM PEOPLE AND PUT THINGS ON PEOPLE CREDIT REPORT WHICH IS A VIOLATION OF THE LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc.
State: NJ

Complaint narrative:
Called a family member that did NOT have my cell phone #

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I was formerly a Scottrade customer and part time Scottrade intern at the XXXX XXXX campus - and I can not say I am surprised that this happened. 

Scottrade 's customer support has always been horrendous with managers placing emphasis on an unwritten policy to not deal with any dispute if it requires significant resources. Managers have cut the Scottrade support staff to a minimum and instructed employees that if a customer is not satisfied - " force them to use arbitration ''. The corporate culture is all about profit - not a minute is dedicated towards customer satisfaction. 

In terms of cybersecurity, Scottrade is at best below par, at worst, utterly incompetent. I have now moved to the Cybersecurity business and have analyzed complaints against Scottrade as well as their statements in an effort to research the industry and found some very disturbing things. Like others has mentioned, it took Scottrade more than two years to discover the breach, they refuse to give details, and do not provide retroactive identity theft coverage - but there is much more. 

1. ) If you XXXX " scottrade muckrock '' you will see that a number of complaints submitted to the SEC and forwarded to Scottrade have directly reported the failed cybersecurity infrastructure and corporate ignorance. If you file FOIA requests with the SEC you can obtain more information. 
2. ) An associate of mine was a victim of an " account takeover '' in 2013. His Scottrade account was hacked and over XXXX dollars was stolen. Scottrade refused to acknowledge the fraud and claimed on numerous occasions that their cyber systems are " flawless ''. 
3. ) Also reading complaints about Scottrade and researching their computer networks, there are STILL security vulnerabilities in Scottrade 's systems that allow fraudulent ACH transfers, fake account, and market manipulation. 

To everybody that has decided to leave Scottrade - Good for you. 

To everybody that is decided whether to go elsewhere - There are numerous other options available, choose somebody that offers two factor authentication, that is generally an indicator that they at least have a half-way competent cybersecurity department. 

To everybody that is still doing business with Scottrade - If things go south, expect Scottrade to XXXX you in an efforts to protect their profits and avoid liability.

Company response to consumer: Closed
Consumer complaint received 2015-10-11 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: GA

Complaint narrative:
I never had a credit card that was in this large amount of {$13000.00}. I did have a card in 2006 but it only had a limit of {$5000.00}. They would refuse to accept any of my offers to pay them smaller amounts. I have no proof that this was the same card. This debt has been sold over and over and CACH , LLC has harassed and scared me with letters over the years. I never received any phone calls and now I am receiving a summons to garnish my wages! I have no job and XXXX children. I have a bank account set up under my father that I do not want them to touch. This is his money, not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
I 've been having payroll deposit my bi-monthly check deposited into my prepaid rush card for 6 years. Begining XXXX/XXXX/15 I have not been able to access my funds. After calling all this past weekend and being hung up on most of the time, I finally got through to a live person and was told thhere is no pending deposit on my account. Yesterday I spoke with payroll at my employers HR department and they confirmed it had been sent like always. I have a small amount deducted from each pay go into a savings account at a local credit union and those funds were available. I am constantly told by rush card that they do not see a deposit and to keep checking. This is the XXXX day I have not been able to access my funds and have had to borrow money to pay light bill and have a car payment due accumulating late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: IN

Complaint narrative:
I have a Rush Card & I have been unable to manage or access my funds for over a week. I am going to be possibly be evicted & have my electricity turned off because of their " system issues ''. I just want access to my money, I work hard & not being able to access my paycheck is unacceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GOLD KEY CREDIT, INC.
State: NY

Complaint narrative:
Due to a mail sorting issue i received a letter from Gold Key Credit Inc. Much later then i was suppose to. I called them om XX/XX/XXXX to get more information. I then faxed over my insurance information that will cover the bill. A few weeks later a received another call demanding immediate payment or they will place this on my credit report. I advised them that i have insurance and i faxed all the documents. I was told that they were missing information. I then called back later that day and provided them with the missing info. The rep indicated that since its will be in pending status it will not be on my credit report unless my claim is denied. I also asked for them to provide proof that i owe this money. A few weeks later i saw this on my credit report. I called and asked why and to have this removed since i was cooperating and I asked for proof again. I was denied the right to speak to a supervisor and was told that one will get back to me in 24-48. The rep i spoke to was new and stated that he cant give me all the information. After 48 hours i did not receive a call. I called them again and made the same request. I also happened to get the same rep as last time. I advised him that i want to dispute and i want to speak to his supervisor. He told me that he will call me back in 24 hrs. I argued that he failed to do that last time but he still would not put me on.

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 2016-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Cach LLC apparently had a judgement from XXXX I did n't know about nor was I contacted about. They just now in XXXX submitted a request for wage garnishment, which gives them four years of interest on the principle amount. I had a bad divorce where my ex husband used a large number of cards and things in my name before we split. I have been in constant dispute with these things trying to get them removed from my credit report. This debt they 're supposedly claiming does n't appear on my report. The only judgement on my report is from XXXX for a lease I was aware of owing. I have already been garnished for this amount as of XXXX and completed payment on it. Upon looking at the paperwork, the previous garnisher was apparently also Cach LLC. I have been unable to get in contact with them to have them verify who/who debt they 're pursuing or collecting now. Garnishment is set to begin right away, and I ca n't even argue anything because I was never served anything in person, I also moved a lot in XXXX after my divorce.

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 2015-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I would like Scottrade and Scottrade Bank to review their security policies and provide clarification on the following issues:1. ) Scottrade and Scottrade Bank claims in their Online Security Guarantee that Scottrade and Scottrade Bank have the right to review a computer in the event of an account takeover event, in what cirumstances will Scottrade and Scottrade Bank utilize this and how long does Scottrade and Scottrade Bank typically hold the compute for. 
2. ) Has Scottrade and Scottrade Bank fully vetted and confirmed the fidelity of information and services provided by XXXX. I would assume since XXXX is being investigated for a criminal matter that Scottrade and Scottrade Bank at least reviewed their use of XXXX as a third party service provider. 
3. ) How often and on what dates have Scottrade and Scottrade Bank updated their online Security Guarantee. 
4. ) Does Scottrade have any plans to implement two factor authentication? 
5. ) Review attached.

Company response to consumer: Closed
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION
State: NY

Complaint narrative:
In the attached document in additional information. The response is not clear, on who has my debt. it appears, that someone or a another company has the debt, that are not to have under law. Who has the debt, why did they not notify me that they have the debt, and what if any giving information to any other entity. What other companies have a hold on this debt, has ti been sold and resold to other companies, if so, they have violated several federal laws and XXXX XXXX Laws.

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 2015-06-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SQUARETWO FINANCIAL CORPORATION
State: GA

Complaint narrative:
I never received anything from CACH , LLC about a debt I owe them until the Sheriff Department served me with a Summons ( XXXX/XXXX/2014 ). I got legal representation righ after this. My attorney requested that CACH , LLC send them validation of debt. Neither XXXX of us ( my attorney & myself ) never received any validation stating the debt is mine. In XXXX of 2014 I pulled all three of my credit reports and the collections was on my credit report. I was denied credit with XXXX because of this negative impact on my credit report. Since CACH , LLC could not verify the debt and I answered the summons they dismissed my case. But they are still reporting this debt on my credit report as belonging to me without verification of the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: MO

Complaint narrative:
I was formerly a Scottrade customer and former college intern at the XXXX XXXX Scottrade HQ. I am writing this complaint to express my dissatisfaction with Scottrade 's customer service. 

Specifically, as an intern I witnessed Scottrade management specifically instructed Scottrade employees not to help customers who have been the victim of hacks, are complaining about fees, or have complaints that require a " significant amount of resources ''. This corporate culture rubbed me the wrong way and I chose not to continue my internship at Scottrade and would advise others not to conduct business this this company. 

In regards to my Scottrade account, a Brokerage Account and a Bank Account, I closed them after taking my leave and moved my money elsewhere. However, recently, I was informed by Scottrade ( no differentiation between whether Scottrade Brokerage or Scottrade Bank was the entity ) that my personal information was exposed in the recent Scottrade hack. 

I written to Scottrade 's customer support and have not received a response. My concerns are as follows:1. ) Scottrade 's instructions for getting identity theft protection services do not work. Specifically, the phone number Scottrade provided did not work. 
2. ) Scottrade will not respond to my complaints or provide any explanation about the hack. 
3. ) Scottrade will not provide an explanation of whether Scottrade Brokerage or Scottrade Bank was effected. 

In light of the above, I believe Scottrade is trying to " short cut '' and " down play '' the seriousness of this hack in order to avoid having to spend money and resources on treating customers right. 

As a former customer who had his data released as a result of Scottrade 's incompetence, I would like Scottrade to respond.

Company response to consumer: Closed