vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
I sent {$250.00} to Rushcard via XXXX this past Friday. After receiving my money my account said pending activation after a few days past I finally got in contact with customer service in Sunday. And my card was activated then I went to an ATM and my transaction was denied. My account now says XXXX balance but the deposit is showing in my transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC.
State: MI

Complaint narrative:
I believe the so-called company " XXXX , Inc. '' Is fraudulent and I fear that my identity, finances and credit are at stake! 

I received a letter in the mail that stated that my account number has been turned over to " XXXX, Inc. '' for collection. This letter was asking me too forward payment in full or to call the office to arrange payment terms. It also stated that they report to XXXX and XXXX and that it is in my best interest to pay the money or contact them. The end of the letter was signed " Sincerely, XXXX '' Additional comments at bottom of letter : " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this. Or any portion thereof, this office will assume this that is valid. If you notify this office in writing within 30 days from receiving this notice that the debt, or any portion thereof, is disputed, this office will obtain verification of the debt or a copy of a judgment against you, & a copy of such verification or judgment will be mailed to you. Upon your written request within the 30 day period, this office will provide you with the name and address of the original creditor, if different from the current creditor. 
This is an attempt to collect a debt. Any information obtained will be used for that purpose. 
This communication is from a debt collector. '' I believe that this is a fraudulent company whom is attempting to steal money from me and possibly steal my identity. When I contacted the number to inform them that any or all of my medical debt has been paid in full, they were rude, demanding and very unhelpful unless I exposed personal and/or important information about myself. They refused to discuss the matter any further until I gave them my birthday, social security number and other information that I am NOT comfortable giving over the phone. When I research the company online through the XXXX there were endless complaints about this company being fraudulent and harassing other people around the United States!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade refuses to remove known-to-be-fraudulent information submitted to my IRS file. 
I would like Scottrade to remove the fraudulent information submitted to the IRS file. Everything on or after XX/XX/2013, should be removed. Scottrade is in possession of a police report that supports this request.

Company response to consumer: Closed
Consumer complaint received 2016-10-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Fairfield Services M, LLC
State: NY

Complaint narrative:
Applied for a mortgage with Fairfield Mortgage Company in XX/XX/2016 and was approved for a mortgage in XX/XX/2016. It is now XX/XX/XXXX and still have not closed. I have been lied to about closing dates happening that never occurred. I continually get the run around about when the closing date will occur which leads me to believe they are not being truthful with me and continue to lie about what is really happening here. I continue to get lip service from XXXX, who is supposed to be the boss, that he was going to do this and that and there would be no problems ex.He said ( in emails ) that he would overide the 90 day period that the loan was good for ( never happened ) and talk to the President of the bank which he never did. Mortgage has been delayed because of mistakes made by this company that should not have been made if they knew what they were doing such as telling me to show a certain amount being withdrawn from a bank acct when in fact it was the wrong amount which caused a 3 week delay because I had to get it changed. I do n't believe they even have a bank for the mortgage but keep playing games with me till they find one. They should not be selling mortgages

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: AL

Complaint narrative:
My account with Rushcard had a block placed on it as of XXXX XXXX XXXX. I was instructed to send in documents verifying my name and address which I did on multiple occassions only to be told that I needed to send the documents in again and again and again. This went on until XXXX XXXX XXXX when Rushcard finally closed my account and told me I would receive a check in the mail in 5-7 business days. Unfortunately for me this is around the time that they 're " system update " was to take place and now my online account is showing a zero balance and when I call in the automated system says my card has not been activated and I 've yet to be able to reach anyone from customer service since the system crash.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SQUARETWO FINANCIAL CORPORATION
State: OK

Complaint narrative:
The XXXX XXXX XXXX, XXXX. law firm is representing CACH , LLC in collecting a debt I do not owe. The name on the account is not my legal name and I believe the account was created from identity theft. A judgment for {$160000.00} was granted against me. This has been a series of long and never ending harassment events over the past 2-3 years. I have pending complaint against XXXX XXXX XXXX with the Oklahoma Bar Association for unethical behavior. Also, I have provided a valid and notarized ID Theft Affidavit to XXXX XXXX XXXX, XXXX. law firm. I seeking all monies garnished and collected from me to be returned and release the judgment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
I am unable to access any of my money after an apparent " system upgrade ''. My payroll deposit is not posted, my prepaid debit card shows inactive on the site, and the amount listed available is a mysterious amount. No one in customer service is answering and it has been well over 24 hours. An email was sent stating the upgrade would be from XXXX Monday XXXX/XXXX/15 but I still can not access my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
For over a week I have not been able to access my account with Rush Card. My direct deposit is 4 days overdue and can not reach customer service ... They do n't answer emails, private messages or anything else I have tried. There are XXXX of people affected by this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
I 'm a Rushcard member and my direct deposit was never issued to me. When using mu card it declines all transactions! I 've had to borrow money in order to feed my family and pay bills!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This is fraudulent. It is not mine. I got no notice, and disputed multiple times requesting information they do n't have and cant provide. kindly help me to get this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
Call all the time do not identify who it is or subject of call.Call and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Information Bureau, Inc.
State: CT

Complaint narrative:
On XXXX XXXX, 2015, I paid the original creditor, Tax Collector XXXX of XXXX {$860.00}. 

Yet, on XXXX XXXX, 2015, collection agency Credit Information Bureau verified the account with the all credit reporting agencies, and updated the trade-line XXXX to PAID then updated it to CLOSED. 

I am confused, as Credit Information Bureau has not provided me any credit, loan or service. I have documentation from the XXXX of XXXX of my paid in full payment, yet the credit reporting agencies are still allowing Credit Information Bureau to verify and update which is adversely affecting my credit rating. 

I have sent letters ( certified mail ) to Credit Information Bureau ( dated XXXX XXXX, 2015, XXXX XXXX, 2015 ) asking them to validate this account. I received no response to either letters. 

I have also sent letters and done on-line disputes to XXXX, asking the agency verify the account, yet it continues to report the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: NY

Complaint narrative:
daughter and i bought a mobile home set up in a parkter on welfare in public housing and im XXXX.She moved in her, her kids and boyfriend.She is cosighner im primary.She left in 1 month.I paid everything down payment and all..She never told welfare she was moving in and went back to the same housing.They have her listed as XXXX owner I asked to take her off they said refinance i asked my bank.they said they need a title the finance place said there was none.I paid for title insurance.It has a serial number..My daughter wont sighn to get it.She can come into this home anytime.She wont let go i told her to pay she wont.I just want out without being peilized or to get her name off the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
On XXXX XXXX, 2015 I enrolled in a online course through XXXX University. I enrolled in this class with a Federal Student Loan Credit. It was a Direct Unsubsidized Loan. XXXX XXXX XXXX did not provide for any other means of payment for the course, other than this student loan. According to the student loan, the student must be enrolled for a certain amount of days for the loan to pay off. I withdrew from the course on XXXX XXXX, 2015. The financial aid office was aware of this ( the payment date of the loan ) ; they made me aware of this. Still, they made no further provision for payments. The days of which I participated on-line was to be paid through financial aid. It is my understanding that I had the jurisdiction to withdraw without penalty/payment expected, because the payments was set up under the guidlines of the rules of the U. S. Dept. of Education Federal Student Loan. And no other provision was expected, nor signed for. XXXX University has placed a debt of {$910.00} on my credit report and I deny that this is my bill. I believe that this should be removed from my credit report. With the exception of the weekend days, I only had less than 10 days of on-line opportunity of which to work on line for the course. XXXX was aware as to when the student loan was to pay off and did not request any payments for the days prior to the payment from the student loan company. They did not make this request at the time of registration and should not be allowed to do so after the withdrawal. The instructor kept complaining that I was not submitting my work in the proper format that he could receive it. I tried many times to correct this issue and it did not resolve. Therefore, this online course was not appropriate for me and there was not a need to waste the Federal Student Loan. I have discussed this issue with the financial aide office at XXXX University many times. I have discuss this situation with the credit reporting agency - XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX - via a response mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 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: FL

Complaint narrative:
false information, this collection it 's not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I had a builders construction account set-up for myself and XXXX. We deposited {$170000.00} into it, and XXXX deposited another {$170000.00} into it in as loaned funds in our behalf. Frost Bank set-up the account as a construction debts account in our behalf with the builder. The builder began to misappropriate funds and mismanage the account. The Bank fired the builder, and now we want to know if the account was insured by the bank for theft and fraud, and if so, buy whom or what federal agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
My complaint is with Commonwealth Financial services AKA North east credit & collections. They have reinserted into my credit file again a bill for {$88.00} from XXXX of XXXX XXXX To XXXX and XXXX . The last time they did this it was reported also to XXXX which they deleted due to lack of validation. 
They are reporting this time to XXXX and XXXX. XX/XX/2014 it was deleted for failure to respond to XXXX request for validation. XXXX deleted for lack of validation in XX/XX/XXXX. In XX/XX/2014 XXXX deleted this account. I have sent certified letters to XXXX and XXXX explaining my request to remove for lack of Full validation and for reinserting this account. A certified letter was sent to Commonwealth Financial services also requesting validation and warning of reinserting this bill ( I suspect they changed account numbers to claim a new bill when in reality it is the same bill? ) They can not fully validate this account and continue to violate my credit rights by doing this. The last time this happened with them your Agency helped along with the Pennsylvania Attorney General complaint which also requested the deletion of this account. I would appreciate it if you could help me on this as I keep my credit good and will be applying for a home loan soon and do not need their nonsense on this constant issue for lack of validation. The previous CFPB complaint concerning this same company is # XXXX Thank you so much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
I quit paying XXXX XXXX because I have. XXXX & lost my job. This is an very old debt and this cdebt collector will not say who they are & want they want without making me answer questions that they say is being recorded. It 's White Hammel & Something out of XXXX. For years they have called me & threatened to sue me. They said my debt will never reach a time when is it expires. How long can this go on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 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: TN

Complaint narrative:
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
I recently attempted to obtain a mortgage, at which time I discovered that Commonwealth Financial Systems had a judgment against me for {$4000.00} ( for a XXXX XXXX credit card from XX/XX/XXXX ). I was never notified that there was a lawsuit pending against me. I went to the XXXX Court system website and printed out the entire case file. It was then that I noticed that they documented at least 5 unsuccessful attempts to serve me with the paperwork. The final attempt, which they say was successful, is dated XXXX/XXXX/XXXX. I did not move to my current address until XXXX/XXXX/XXXX. It is at this address that they claimed they served me. Which is patently false. The file says the case was dismissed once for failure to notify me, and I feel that legally they can not uphold a judgment that was obtained without my knowledge. I need some guidance to see if I can have the judgment overturned based on the affidavit of service that indicates that I received the subpoena a full 9 months before I even moved to my current address. If I am able to have it overturned, they will not be able to sue me again, since the 4-year statute of limitations has long since passed on this debt. I am attaching the full copy of the case file. I also have a copy of my current apartment lease that can be furnished if needed. Please advise what my next step should be in this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I make over-payments nearly every month. My account at with my mortgage servicer is supposed to be set up so that over-payments are automatically credited to the principal. However several times over the last few years Ditech has taken to diverting my over-payment to other " accounts ''. Several times they have taken to diverting my over-payment into an " Unapplied Funds '' account, as if I had not made the full payment due. Each time I notice it on my next statement, I have to call in and have the customer service representatives move the credit to my principal, and each time they tell me that my account is set up so that any over-payment is applied directly to principal as of the payment date and they " have no idea why this happened ''. They will " fix it '', and for stretches of a few or several months the payments are applied correctly again. 
Last month, my servicer diverted my over-payment to my escrow account, although I did not designate the over-payment to go to escrow. When I called in again for them to fix this problem, I got the same line from the customer service representative : my account is set up so that all over-payments go to principal, we have " no idea how this happened '', and she submitted for it to be fixed. This time I thought to insist on the application to my principal being back-dated to my payment date as well. 
As per my understanding of my account terms, all over-payments I make are supposed to be credited directly to principal. Each time I speak with customer service representatives they confirm this to be true, but the company just does whatever it likes with my money. I resent that I have to babysit my mortgage servicer. Carrying an extra hundred or two on the principal for a month or so costs a few dollars of interest, but if I was not quick to pay attention it would add up. This time, the one diverted over-payment was {$280.00}. When put into a mortgage calculator at the correct date, that one over-payment saves me {$490.00} in interest charges over the projected life of my loan. That is hundreds of dollars more profit to this servicer than I even suspected! By waiting just one month for me to notice and apply the over-payment, they might have profited an extra XXXX dollars and change from me, but it all adds up! 
As far as I see it Ditech is stealing by account terms manipulation, purposefully. They brag that they service XXXX loans. Granted not everyone makes over-payments but how many other people are they stealing from in this manner? It ca n't be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: GA

Complaint narrative:
This company has been contacting me for a debt I do not owe, this account is not mine, I have disputed the account multiple times. They are reporting XXXX different amounts, they are stating i owe, {$220.00}, {$300.00}, {$310.00} and {$360.00}. I have never opened an account with this company and would like this account removed from my credit reports this is a violation of Fair Credit Reporting Act

Company response to consumer: Closed with explanation