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: FL

Complaint narrative:
i was affected by the XXXX/XXXX/15 outage that rush card had occur on their watch. i did not get my direct deposit until XXXX15. just about 2 days late. here i am on XX/XX/2015 it is XXXX as i write this, waiting for my direct deposit. i was told by the operator that i will be notified by telephone when the deposit reaches my account. that is little help when there are bills to pay and money to be spent to get to work. this is my second pay period dealing with yet another delay on my money and all i am being told is the system is back up and running etc etc etc. i even asked them to check to see if my deposit is on hold waiting to be put into my account and they can not even check that because their systems are not working properly. i have already taken the steps to not deal with rush card anymore with my direct deposit from my job. please can i get some help with this. this has been a very bad inconvenience for me through XXXX pay periods. someone should be held responsible!

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: LA

Complaint narrative:
I have been waiting since XXXX XXXX to access my money and my card is not reflecting the correct balance. I have made over a dozen attempts to get this corrected and no one helps me. This is dealing with Rushcard. I am very fed up. No one wants to help nor compensate me for the hardship this ha caused me while on vacation. They wont tell us what happened just continues to make excuses. You can also check there XXXX page lots of angry customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
I have been on the phone with Rush Card for 2 weeks now about my balance being at XXXX instead of XXXX and my card being used when I was n't using it. I tried to call and the phone is being hung up or not answer. I have been on the phone today for XXXX hours trying to see why my card is deactivated. I got told the system was down, they sent me a new card in which I have n't received, and the next XXXX yelled at me and now as I type I am on hold again and it had been XXXX mimutes. They are not giving any answers about this and all I want is my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: NV

Complaint narrative:
I have been using rush card for almost 5 years happily until XXXX XXXX. At that time a software glitch became a nightmare. On a trip to XXXX XXXX for a work conference I was embarrassed when my card declined a transaction that I should have been able to afford easily, from there I suffered the continued embarrassment of having to rely on my co workers to finance my expenses including a ride home to the air port. Till this date I still do not have access to my funds. I have been reduced to borrowing money from friends and family to pay for basic expenses. Numerous calls and emails to this organization have gone unanswered. It is as if my money has disappeared. It is XXXX XXXX and I still can not acces my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
I bank with Rushcard! I have yet to receive my direct deposit from XX/XX/2015! Its supposedly due to a glitch in the system due to a glitch! I need my money I worked hard for! My bills are yet to be paid! I ca n't keep putting them off till Rushcard decides to give me my money! Please help!

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

Complaint narrative:
On XXXX XXXX 2015 I reported my Rushcard lost/stolen. I was sent out a replacement card on XXXX 2015. I called back on XXXX XXXX 2015 to expedite the shipping of the replacement, the representative charged XXXX for expedited shipping and XXXX for the replacement. I received the expedited card on XXXX XXXX, 2015. This was the day that Rushcard notified me that they were processing upgrades to the system that would be between XXXX pst-XXXX pst. Until til this day XXXX XXXX, 2015 it has not been resolved. I have n't been able to contact customer service to resolve my first and second issue. I was able to view my transactions online on XXXX XXXX, 2015 my money was debited out of my account by XXXX XXXX transfer from the card I originally reported stolen. I did not authorize these transactions at all. The card was suppose to be blocked and inactive. I am without my payroll monies and facing eviction and utility disconnection. I contacted XXXX XXXX via XXXX and he asked any of the affected customers to direct message their personal information. ( i.e home phone number, address, and name ) I did so on XXXX XXXX. He stated someone would be in contact with me but no one has contacted me. Its been 18 days of hardship for me. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UBS BANK USA

Complaint narrative:
The big problem where I have an enormous financial loss, being a conservative / moderate, is by a XXXX investment of UBS. Similar XXXX investment offered by XXXX XXXX XXXX in six times in XXXX with our maturities in XXXX. All my XXXX dollars ' maturities were invested in those XXXX by XXXX XXXX XXXX without any term-sheet or confirming-sheet. I ask him the confirmation by email. I attach the email* with the petition and braking, if there is not the confirmation asked. 
XXXX investment has a clause specifying that can not be proposed in the USA. 

The six times XXXX investment was proposed by UBS/ XXXX XXXX XXXX and no other option. 

The six times XXXX investment was proposed by UBS/ XXXX XXXX XXXX XXXX the worst scenario because all indicators pointed to a strengthening dollar : very basic aspect to require any broker to have had him in mind. By contrast, UBS is betting the XXXX and in XXXX investment repeated six times. UBS has broken a golden rule so far he must know. 

UBS breaks my profile of moderate/conservative without any notice. All my investments are conservative and UBS knew this and I have been always very clear with XXXX XXXX about to risk only rates, not capital. XXXX XXXX recognized to have made that mistake and not follows my instructions. 

I have a financial loss to date of {$300000.00}. This is my request : UBS assumes that responsibility ; for not having covered these basic rules that are the most elemental for a broker. However, if the authorities confirm the UBS criminal actions, then, my claim would be for much more. 

UBS claims that this type of investment I made over several years. XXXX XXXX acknowledges that he has only who phoned to me for such investments XXXX, and never that I have asked them to him. Also, that it has not a high-risk prevention ; UBS recognized high-risk only after my complaint, never before. Even if I have made such investments before, always I felt they were under the protective mantle of respecting my profile moderate/conservative. In addition, they did not report losses that forced me as now to ask UBS response. 

If UBS does not assume such responsibilities, it is to break with the nature of a broker ; not respecting the most basic principles of investors. To accept that UBS can break the investor profiles, and moreover without their consent or warning, it means do not have any kind of investor protection. To accept that UBS can risk the assets of investors in XXXX instrument at high risk, and without any prevention, it is an extreme. If UBS does not respond and the authorities do not punish, it damages all the reliable broker environment and I ask the authorities protection and the laws that sanction this, or in the worst case, the specific laws that accepted those actions.

Company response to consumer: Closed
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
I have direct deposit, and my money is n't showing up on my card. It 's going on a week since my job has deposit my money into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: IN

Complaint narrative:
Should of had my paycheck deposited today and my money not there. On rush card. Customer service do n't even work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
To whom this may concern, Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage were a victim of an enormous hack during XX/XX/XXXX and XX/XX/XXXX. Scottrade Bank, Scottrade Brokerage, and Scottrade Financial Services were warned about these cybersecurity issues at a technical and cultural level yet no action was taken. 

I would like Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage to provide me with instructions on how to file a dispute with their companies. Specifically, Scottrade Bank and Scottrade Brokerage have failed to provide clarification on the currently conflicting and alleged dispute policies and Scottrade Financial Services has no dispute policy what so ever. 

If Scottrade has any concern for the fraud that occurred and the continued danger they are putting their customers in, I respectfully request that Scottrade step up their game and putting customer care as a higher priority.

Company response to consumer: Closed
Consumer complaint received 2015-10-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
From XXXX XXXX to this point XXXX XXXX XXXX the system at Rushcard has been unavailable. Causing funds to be unaccessable. They said the system would be up and running by XXXX on XXXX XXXX and it is not and there has been no update from the company. Also their customer service number disconnect all calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: IL

Complaint narrative:
It has been 14 days since I did a load at XXXX through XXXX to my Rushcard and still no reflection to my account balance I have called company everyday only to get either hung up on or on hold for hrs then hung up on CSR cant say when issue will be resolved this is putting me in a financial bind I even reached out to XXXX to see if load can be reversed and they said being the fact that they show that Rushcard has received this money they Rushcard would have to notify them to cancel transaction which is a catch XXXX situation because according to Rushcard they cant look anything up so very frustrating I have been with this company for 5years and trusted them with my money and for this to happen is just unacceptable PLEASE HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Century Credit & Collections, LLC
State: CA

Complaint narrative:
I have mailed this collection company requesting debt validation. But have only received a letter of " an attempt to collect '' with my name and a total of how much I owe. with no other information or proof from an original creditor/company, showing that i owe this amount of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
I been eating at XXXX for awhile, so today XXXX XXXX, 2016, I went to XXXX to eat and my bill was {$87.00}. The credit company charge me $ XXXX.I went back to XXXX and they show my what they charge.So I called the company and the supervisor XXXX XXXX told me that they take out gratuity or tax at the end of the day. Supervisor said all restaurants do that, so I let speak to the manager at XXXX and she told her that XXXX does not do that, that is against the law. This have never happened before.Somebody trying to get extra money in their pocket, XXXX only charge me what act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: PA

Complaint narrative:
I set up a payment arrangement on the phone for {$50.00} a month. With their monthly fee it comes to {$57.00} and I set up auto payments from my checking. After 6 months I got notice it was going up to {$100.00} a month. I called to see if I could keep it at {$50.00}! a month with the holidays and money being tight. I was told for 3 months and I said I would call back after that to see if I could afford more or not. The next week my regular {$57.00} payment was taken out along with an additional {$110.00}. I called immediately and was told I could have it applied to other payments or get a refund. I told him I wanted a refund. This was on a Thursday and I was told to call back Monday if it was n't credited. I called back Monday was put on hold and told the supervisor would call me later that day. It 's now two days later and I still have n't gotten a call from a supervisor. I called back again and asked to speak to the supervisor and explain my situation to the girl was placed on hold again then she came back on and said they were working on it and a supervisor would call me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Roquemore Holdings LLC
State: OH

Complaint narrative:
I received a voicemail today from a XXXX XXXX, who said she was calling from a firm XXXX and XXXX out of XXXX, TX. She called from XXXX trying to reach my husband XXXX XXXX. Her message stated : " I 'm reaching out to a family member regarding an insurance claim in my office involving a ... .a family member, uh, that has recently passed. If you could please, give me a call back directly at XXXX or toll free at XXXX. Thank you. '' I do not know what this is in reference to, nor do I plan to call back. I am appalled that someone would call and say that a family member has passed to get me to call back! 

The best I can find is that the company is XXXX. Reviewing feedback as best I can online ( which may or may be trusted ) says that this is a debt collection agency, they will do whatever they can for you to call back ( must be their effective methodology as touted on their website ), and that it has to do with a vehicle that may be potentially repossessed. We have no such vehicle, as we are current on both car loans. We have paid off our vehicles in the past, and had clear titles before trading them in. I 'm not sure who or what they need, but I will not be calling them back. 

Again, I am appalled that their methodology includes telling someone they are calling in regards to a family member who has passed away. My dad passed away recently, and it 's not a matter to be taken lightly. Just another example of how we ca n't trust those who call us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: INVESTORS BANK
State: PA

Complaint narrative:
We had a mortgage with XXXX bank, investors bank took the loan over during acquisition. At the time of origination the loan was an automatic deduction from bank account, once investors took over we were told to pay thru their online system. Problem is payments have been applied in a way that makes no sense, they are applying partial payments when they should be full payments. They did fix the balance at one point but it 's all screwed up again. Every contact with the servicing department is giving a different answer each time you talk to these people. We are very frustrated because we have never received one statement from this account and their online mortgage system is n't accurate. I have called their customer service XXXX in XXXX, sent email XXXX and various emails to mortgage service department. They have put all these late charges on our account that we do n't owe, resulting in collection department constantly harassing us both at home and work. These people refuse to call you including the XXXX, I do n't know if the servicing is done by third party but it is unacceptable.

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 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CT

Complaint narrative:
I had opened an account with Scottrade Bank some time ago. The account was left dormant and forgotten about. 

However, I recently tried to call Scottrade Bank to check my balance and close my account. After talking to support from the National Service Center I want told that I was unable to close my account because it had a negative balance. 

The support person told me on the phone that this was a result of fees I had agreed to when opening the account. I asked the support representative for a copy of the account agreement and was told I needed to contact my local office. 

After contacting my local office they said they could mail the requested information to me, but after 6+ weeks, I have yet to receive a copy of the contract and dispute provisions.

Company response to consumer: Closed
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NM

Complaint narrative:
Rush Card ( XXXX ) has had " computer issues '' and I have not had access to my money since XXXX XXXX, 2015. Previous to XXXX XXXX, there were XXXX pending charges on my account that were incorrect and making my available balance less than it should be. Since XXXX XXXX, because my Rush Card and XXXX accounts are linked, I have also had chargebacks debited through my XXXX account that are also held against my Rush Card account. In addition, I have also had a credit issued to my Rush Card account that I ca n't access. I have been unable to buy groceries and have had to cancel an appointment with my doctor because I have no access to my funds. As of today, XXXX XXXX, Rush Card 's system is still " down '', with no relief in sight. Customer service reps at the company can only say that when the service is restored, they will " call '' me. I have received no offers of recompense, or any assurances that I will ever be able to access my rightful monies again. They have, however, sent a text message graciously offering to " waive '' my account processing fee of $ XXXX/mo. for 4 months beginning in XXXX, 2015. As if, I would entrust them with my money again! Which brings up the problem of direct deposit : I had to contact XXXX to change the way to disburse my XXXX XXXX payment. Social Security now requires that one know the current account and routing numbers to change the disbursement arrangement. Since even the Rush Card customer service reps can not access such basic customer account records, I had to present myself and my ID at a local Social Security office. Since I am XXXX and can not drive, this was a major, and costly, endeavor. I shall receive my only source of income on XXXX XXXX, but until then, I have no access to any money due to Rush Card 's incompetence and negligence.

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:
Hello, I am an unfortunate customer of Rushcard/Unirush LLC. I have XXXX direct deposits that are missing from my account that have yet to be posted and I am being told by rushcard that they dont have the funds and cant do anything. My weekely pay check has been deposited into my rushcard acct seemlessly for the last year up until the rushcard " system update '' on XXXX/XXXX/15. Every since this supposed update I have not been able to accesing my existing funds or any deposits made. I should have had a deposit on XXXX/XXXX/2015 and a deposit on XXXX/XXXX/2015 neither of which are reflected in my balance. I have called rushcard several times being on hold for countless hours at a time and have been informed on my last call that they dont have my funds and there is nothing they can do. I have verified with my employer that the funds were accepeted by rushcard into my account so there is nothing they can do because the funds havent been returned. At this point I am exhausted and disgusted with the entire ordeal. The stress this is causing me isnt worth me to continue to call them and deal with this. I have had several automatic Billpay payments returned, I have no food, no gas and I have no one else to borrow from. Im hoping my complaint doesnt fall on deaf ears and I will one day see my hard earned money.

Company response to consumer: Closed with non-monetary relief