vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-12 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: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I was initially contacted by this agency and informed about an alleged debt. I then informed them of my bankruptcy case, and the inclusion of the original creditor they were attempting to collect on behalf of. 

The call stopped for a little over one month, then I began to receive credit monitoring alerts regarding a collection being reported. 

It turns out this company just, up and decided to start trying to collect during an automatic stay after they were notified. 

I contacted them regarding this new collection reporting, and they indicated that their compliance department handles this, but they could n't transfer me, nor could they talk to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
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 Scottrade also provide a public response.

Company response to consumer: Closed
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have requested that the company cease and desist telephone calls XXXX times and that has been acknowledged by the company XXXX, but they continue to call. When I asked via email that they stop calls, they continue collection attempts but do not address the telephone issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
THE COMPANY IS REPORTING DEBIT AS ONLY XXXX YEARS OLD WHEN IN FACT THE DEBIT IS XXXX YEARS OLD

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2014 I had a XXXX in The XXXX XXXX in XXXX FL. I was taken to XXXX XXXX XXXX Hospital XXXX. The hospital was given my Insurance information, XXXX and XXXX and all of medical bills were paid by XXXX XXXX XXXX XXXX XXXX and any bills related to this accident paid by XXXX or XXXX were reimbursed through XXXX. I was searching my credit report online and was wondering why my credit score was was so low and I found in the Collection ( s ) Part all these bills from a XXXX. XXXX, XXXX and XXXX in XXXX, FL attached to the the accident that were never billed to me or XXXX XXXX XXXX Company. When trying to resolved the problem I could not obtain bills from this Online Info Service Collection Company or the doctors putting these charges in collections. XXXX XXXX and I have tried numerous times to get bills related to this doctor group but no one is able to assist us. The name of the Collection Agency is, Online Info Service, XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX ( XXXX XXXX and the Doctors are XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX. Please help me to resolve this and get this off my Collections on my Credit Score. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on a Debt that they have Changed the Date to a Newer Date and they made XXXX Debts into claiming that they is now XXXX Debts. There were only XXXX Debts and they were from XX/XX/XXXX-XX/XX/XXXX and now they claim that there are XXXX Debts and they are the XXXX duplicates.. I called them and told them they were the same Debts and they told me to pay all XXXX of them or they would have me arrested. Contacted XXXX and they claim they are valid, But never did any research on any of the debts or they would have clearly seen they are the same debts and are " re-aged ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: AZ

Complaint narrative:
Lenderlive XXXX mortgage servicer sent me an escrow refund check in the amount of {$420.00} and I then receive a delinquent tax bill from XXXX XXXX stating the taxes have n't been paid. I contacted Lenderlive and they eventually paid the back taxes ; however, my mortgage payment has now increased 8 % from {$1600.00} to {$1700.00} due to a projected shortfall in the escrow account. Even though I put down 20 % when I purchased my house and would have preferred to pay my own taxes and insurance, I was required by my lender to make these payments into an escrow account. Now I 'm stuck with Lenderlive XXXX who ca n't seem to keep their records straight. If I 'm being held accountable for making my mortgage payments on time, then there should be some sort of repercussions for Lenderlive 's late tax payment and poor record keeping. The increased payment is not the issue. I understand why it 's happening. The issue is that I 'm held to XXXX standard and Lenderlive can apparently do whatever they please.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Northeast Collection Bureau
State: CA

Complaint narrative:
I was called about an amount of {$260.00} that I owed to the bank XXXX XXXX from this number ( XXXX ) XXXX I made payment of the amount of XXXX from XX/XX/XXXX to XX/XX/XXXX I was expected and told to get up paper received in the confirmation of my payment for this account I never have gotten it

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Cavalry has continued to report and attempt to collect debt that is not mine. I have attempted several times to resolve this issue with Cavalry to no avail. They continue to send me collection letters for accounts ending in XXXX and XXXX. This is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
My issue is with Rushcard XXXX. Earlier this week I received an email stating there was going to be an update that eould cause an outage XXXX. Never would I have imagined an outage would mean an outage of my direct deposit. I can not explain the agony that this has caused my family. We are presently living from paycheck to paycheck like most americans and have {$0.00} to live off of until this matter is resolved. I have made countless attenpts to reach a live representative of Rushcard for an explanation and it seems as if they have completely cut their phones lines off as the automated system does nothing but disconnect the call without connecting to a representative. After doing some online research, I was able to find a phone number XXXX. I called and spoke to a representative named XXXX who was completely rude from the beginning of the call. It seemed as if he was overall frustrated from the XXXX calls that I am sure he received just like mine today. He would not let me complete a sentence, he did not give me an ETA. I asked for his supervisor 's name and he told me XXXX. I asked for the VP of the company 's name and he told me I could look it up on the website. He then proceeded to tell me there was XXXX calls waiting in queue as if it was my problem and hung up the phone in my face. I was unable to get through back through as it was after XXXX hours when i was finally connected to a rep. I was XXXX to the point of tears because I held on the phone for over 30 minutes just to be treated that way. As a consumer and a person who also works XXXX, I know the number XXXX rule is customer service. I am completely paranoid over the fact that my money is lingering out there and the only explanation I have gotten is a pitiful post on Rushcard 's XXXX page from the ownerXXXX. XXXX families are being affected by this " glitch '' and we have yet to get a satisfactory answer. I would really like for someone to assist me as well as the other families as I know this is not the American Way. Someone please help me! Please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Maximization Group, Inc.
State: NY

Complaint narrative:
This bill was already paid by my insurance companies

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
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: 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 2015-10-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
I am unable to access my funds on my Rushcard. My balance went from {$700.00} to {$8.00} in one day and I didnt use any of the money. Now I ca n't get in contact with anyone with answers and my lights have been disconnected. Can someone please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
Rush Card/ XXXX XXXX on XXXX XXXX, 2015 there was a service up that same day the update was completed and service was supposed to be normal. On Wednesday XXXX XXXX, 2015 my employer send my direct deposit in the amount of {$500.00}. These funds are to be available the following day, but this was not the case. From the recording when you call something happened with the update and funds would be available on your regular pay day which is Friday. Rush card offers 2 day early direct deposit is one of the reason I have been with them so long. Today is XXXX XXXX, 2015 and I still have no funds and according to them they have idea when I will have my funds which is unacceptable. Others I know are having the same problem. All I want is my money so that I can close my card out and be done with this company. Since this update no one has been available to anser questions and the line keeps hanging up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
Called and left voicemail confirming call was for a debt on voicemail. I returned call, XXXX stated the debt was for XXXX medical bills, did not confirm who I was. When I mentioned an attorney, she said she would note the account that they do not have the information and hung up on me. I called and asked for a supervisor, whom also would not take my attorney 's information and hung up on me. Was very rude, interrupting me, claiming I filed bankruptcy in XX/XX/2015, which I never ever have, threatened me, used abusive language, very unprofessional harassment. Filing this complaint and sending formal DO NOT CONTACT me letter, with my attorney 's information included.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: AP

Complaint narrative:
I transferred money from my Rushcard Prepaid Visa card on XXXX XXXX, 2015, to my XXXX checking account. It was an amount of {$370.00}. The money is shown on my XXXX account as a credit and the balance showed that. On XXXX XXXX, 2015, {$370.00} was debited from my XXXX account back to my Rushcard account, and my Rushcard was unlinked from my XXXX account, bringing my account to a negative balance. That money should have gone back to my Rushcard, but it did n't. I also found out that the transfer out of my Rushcard account into my XXXX account did n't show up on my Rushcard. I called XXXX, and they told me that this would be on Rushcard 's side. Rushcard has been telling me that they do n't see the transaction on my card, so I ca n't get my money back. When I first called Rushcard about it, I was told that the transaction was seen on my card, and that whenever their system recovered from the system outage that occurred coincidentally right after I transferred the money, that my balance would be updated. Subsequently, I was told that the transfer is n't seen on my transaction history. I also keep being told that I ca n't make transfers out of my Rushcard account, which I was unaware of when I attempted to move the money between accounts. I called Rushcard a week ago, and I spoke with XXXX, who is apparently a senior customer service representative. He gave me his employee # and told me he would work this issue personally since it had been in the works for so long. I asked to speak with him today, and I was told that they did n't know if he was at work and that there was no way to get in touch with him directly. His employee # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: LA

Complaint narrative:
Have a rushcard loaded money cash on XXXX. Funds still not avaliableand its now XXXX. Keep calling a d sending emails only got XXXX reply saying cant access my info. Called back finally got through only to be transferred put on hold for XXXX and hung up on. I have XXXX kids this was groceries ang car insurance moneymy dad sent. Had to borrow from someone to pay it.

Company response to consumer: Closed with non-monetary relief
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: SC

Complaint narrative:
I can not get my money off rush card. I get paid XXXX times a month and I have part of my paycheck going to rush card. Thank XXXX it is not my entire check. For over three years I got paid two days earlier and until XXXX 2015 rush card put me in a situation because my money did not show up. I did not have access to an agent or online and today the same issue started over. Giving me extra money or waiving fees is fine, but how can rush card help me when I know for a fact I get paid two days early and called and was informed I had a balance. I went to a gas station and was stuck!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX my daughter started an Application online to borrow money from XXXX XXXX. I agreed to co-sign her application. After SM disclosed their APR 11.99 % we decided not to proceed with them.XXXX ignored luck of my signature or copies my SSN, ID ( that was required for he loan approval ) and, having loan that was not legally established, they transferred money to the University. When we found out that XXXX sent money, refund to XXXX was requested. Due to bureaucracy, it did not happened immediately. XXXX started to charge me fees!!!! 
Moreover, even though I was disputing fees they were trying to collect, they already sent false information to the Credit Report System! My Credit History score dropped due to XXXX false report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
My employer direct deposited my payroll check on XXXX XXXX, 2015 on my Rushcardand some of my money is still not available to me. It automated phone is telling me my last deposit was on Thursday, XXXX XXXX, 2015. I work very hard for my money and I 'm XXXX, I need my money to pay for my medications which the pharmacy deducts from my Rushcard.

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

Company response to consumer: Closed
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Empowerment Ventures, LLC
State: AZ

Complaint narrative:
there was suppose to be an update to the rushcard system on XXXX XXXX however there was a glitch and now I am getting charged a domestic POS fee every time I use my card which has added up to over {$35.00} in fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
On XXXX/XXXX/15 a direct deposit was made by ACH using a link to fund my account at Scottstrade Bank. 

A few days later a request was made for the sender to provide a statement of account sending funds, the sender who was paying me refused on privacy grounds. 

No fraud has been found, the sender did not request his money back. 

It is now XXXX/XXXX/15 and the bank refuses to release funds without statement disclosure by sender. 

The link was made by getting the routing number and account number and the sender providing the verify code of {$1.00} in XXXX deposits [ ie cents totalling {$1.00} XXXX The bank closed my account without stating why. So i requested my money which i had been paid for previously by the direct deposit. 

Can they do this after this ammount of time and state it is undetermined when i will receive my funds upon account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: NV

Complaint narrative:
Cach llc has failed to verify the {$1200.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification several times, month after month since XXXX 2016. I still have the documents i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( 1 ) ( A ), " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action to file a small claims lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. Cach llc is headquartered in XXXX, XXXX but there is no active status in California according to " California XXXX '' so i 'm not sure who or what should i label as the defendant on my lawsuit due to jurisdiction statute. I 'm ready to take action, I just want the reported debt account to be removed from all XXXX of the credit bureaus, as it is illegal reporting.

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 non-monetary relief