vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
In XX/XX/XXXX, I purchased a laptop on XXXX, using XXXX, and the purchased was funded through my Discover Credit Card. I had a warranty issue with the laptop, but I was not able to contact the original merchant. I started a Purchase Protection Claim, and was never informed I was out of the date range for the claim to be valid until XX/XX/XXXX. After no contact from Discover, I issued a chargeback through Discover, and they did an investigation. They asked that I return the item per XXXX 's request, and provide proof of return. I did so on XX/XX/XXXX, at XXXX. I had called Discover at around XXXX the same day to confirm the adress was correct with the representative, asking if this was the required step to move forward - she confirmed both. A month later, I was then informed that I was outside of the range of time, and that nothing could be done about the missing money or laptop sent back at their request. I 've spoken with their executive resolution department, and was told the charge was valid and that their investigation showed no such request to mail the laptop back, which is not true, as reviewing the call from XX/XX/XXXX ( and a week prior ) should confirm. 

I have also put in a complaint with the BBB ( unresolved ), and the Florida Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I wanted to use my credit card to purchase tickets for the upcoming XXXX XXXX XXXX in XXXX ; tickets were allocated through a lottery when if the lottery was successful the credit card on file would be charged immediately. I notified the bank that the charge would be coming not to reject it ; three days later when the charge came through it was rejected by the bank cancelling my application for tickets automatically so now I lost the tickets I was allocated. My request for processing this information is in their system in my account and still the charge was not processed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ray Klein, Inc.
State: FL

Complaint narrative:
PROF CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXXXXXXXXXX ATTENTION TO DISPUTE DEPARTMENT : XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROF CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

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
Consumer complaint received 2016-06-04 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
Rushcard has ignored my dispute that I made directly with them. A merchant had somehow debited my rushcard account using the ACH method

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: MA

Complaint narrative:
On XXXX XXXX Rushcard did a " system update '' and because of that i have not had access to my funds for almost 3 weeks now. Everytime i call i am on hold for hours or the phone keeps hangimg up. I spoke with a rep on Monday and was told the update glitch would be fixed that day and i would receive a text when my card was all set but i never received it and my card still didnt work. I have no access to my funds and had to decide to pay rent or my sons tuiton for school and because i chose rent my son will no longer be able attend until my balance is caught up. I already have my mother paying my rent no one can help me with my sons tuiton too. my electricity will be shut off tomorrow for non payment and my phone has already been shut off too. They have the wrong card info as being active ( i got a new card before the update ) and when i try to activate the correct card i am told by the auto system i already have a active card. When i did speak to a rep they told me when the sysrem is up and running i can activate my new card, they told me i would be able to later on that day and i still couldnt do it. On top of that i am still missing funds in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: H. Kent Hollins, Attorney at Law, P.A
State: IL

Complaint narrative:
This debt collector has garnished my wages, assumingly illegally, in XXXX for supposedly a {$20.00} bad check in XXXX at a XXXX XXXX DBA XXXX XXXX XXXX in XXXX , Kansas . On my notice of unpaid judgement it has an Account # of XXXX balance of {$1300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: AL

Complaint narrative:
I am XXXX of the XXXX effected by the rushcard scam or whatever happened that they took everyone 's money for 2 weeks and my account was messed up and caused bills to pile up and bills to bounce and I have late fees and missing money from my direct deposit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: CA

Complaint narrative:
I continue to get debt collection notices from CACH , LLC ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I informed them repeatedly that they got the wrong person. Pursuant to my rights under federal debt collection laws, I requested in a certified letter that CACH , LLC cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' They received letter on XXXX XXXX, 2015. On XXXX XXXX, 2015 I received another letter from them asking for monies. I want them to cease and decease letters and phone calls to my residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
In a recent review of my credit report ( XXXX XXXX, 2016 ) I noticed a collection agency ( Source Receivables Management ) that I have no recollection of, placed a collection account on my credit report alleging that I owe a balance of {$230.00} resulting in a derogatory trade line. Source Receivables Management NEVER contacted me via phone nor mail regarding this collection account prior to placing the account on my credit report. Under the laws mandated by the Fair Debt Collections Practice Act ( FDCPA ), and pursuant to 809. Validation of debts [ 15 USC 1692g ], I am entitled to be privy to this information prior to a collection account negatively impacting my credit report. As a consumer who is familiar with the laws and regulations regarding collection agencies and credit reporting, I knew my consumer rights were violated by Source Receivables Management once I saw the collection account trade line on my credit report and never received any formal documentation in the mail, nor was a phone call ever received prior to SRM placing the collection account on my credit report. Immediately after I was aware of the negative trade line placed on my credit report by SRM, I mailed SRM a certified letter ( XXXX XXXX ) with a return receipt ( tracking # XXXX XXXX XXXX XXXX XXXX ) informing SRM of their FDCPA violation and requesting formal validation with proof that this is my account that I owe SRM, and to immediately cease all collection efforts as SRM did not comply with the FDCPA while attempting to collect on this debt. To this date, I have not received any documentation in the mail, nor has any communication been made with me from SRM in an effort to validate the debt. In addition to my efforts at trying to acquire validation of this debt from XXXX, I have also had an attorney mail out formal notarized letters on XXXX XXXX and XXXX XXXX requesting validation and to no avail, our efforts have been unsuccessful and SRM still has not communicated with myself nor my attorney. I also filed a formal complaint with the XXXX of North Carolina/XXXX on XXXX XXXX and am still awaiting a response. At this time I am reaching out to the CFPB to assist me with getting SRM to comply with the FDCPA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RSI Enterprises, Inc.
State: WI

Complaint narrative:
RSI Enterprises contacted me to collect upon a debt that is ; a. invalid b. not within their rights to collect on upon asking RSI for verification via U.S. certified mail, I received a response that does not fit the burden of proof for such a debt. RSI at this time has continued their collection efforts on this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
I have been forced to remain a customer of RushCard when on XXXX XXXX the company accepted XXXX separate deposits into an account with an expired debit card, an account that i had not used in over three years. Because the company gave me to other option i was forced to order a new card, because that would be the only way to access my money. I ordered a new card on XXXX XXXX and was charged {$4.00}. After waiting two weeks i contacted RushCard because I still had not received the card. After speaking with an agent i was told i could have the new card rushed to me within 1-2 business days. The Rep went through the process of updating my information and placed me on hold, and then hung up. I called back only to be hung up on XXXX more. Finally i was able to speak with another rep, whom i had to repeat my entire situation to, because apparently RushCard Reps do not make any notes on the account when they speak to a customer. So to my surprise this new Rep told me that i would have to pay {$30.00} for them to rush me a replacement card. I went back and forth with the Rep over this charge because i felt as though i should not have to pay for something that was not my fault. The Rep explained that she could send an email asking for the charges to be reversed, but she would have to charge the card in order for me to get the card in 1-2 business days. That was XXXX XXXX. It has now been 11 days, my account was charged XXXX for {$4.00} for a new card and XXXX for {$30.00} to expedite s shipping. And i still have not received my card. I have called everyday only to be hung up on every time I 'm on hold waiting to talk to a Rep. I 've also emailed the times, only to receive an automatic response saying i would be contacted within 12 hours, but I have yet to receive any form of response.

Company response to consumer: Closed with monetary relief
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: IL

Complaint narrative:
On XXXX/XXXX/2015 XXXX fraudulent charges were made to my Rushcard. My card was then blocked by the company but I was never notified of such charges. I only found out because I tried to use my card at the grocery store and at that time found out it was blocked. I checked my balance and found that I had much less then when I checked. It earlier that morning and came across the charges. I have been trying to resolve the matter since then. I have been in contact with Rushcard for the past 2 days and they are telling me that their system has been down and they can not help me until it comes back up. So until then I am without my funds and can not pay any upcoming bills I have due their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
To whom this may concern, I am writing in response to claims by Scottrade that they will not respond to the CFPB. This bad behavior by Scottrade appears to be a repeat of other bad behavior. 

In the attached you will see that Scottrade for a period of no less than 2 years hide behind the OCC while defrauding regulatory agencies by maintaining the veil that their company has less than XXXX XXXX in assets.

Company response to consumer: Closed
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
I applied for a refinance with this bank based on Radio commercials calling for a XXXX refinance. The issue I have was that theyrequire you to fill out a mortgage application and require you to pull your credit, PRIOR to requiring you to pay the nonrefundable XXXX fee. I contacted XXXX XXXX who put me in touch with her Manager XXXX XXXX XXXX XXXX regarding themain issue is the fact that they require you to pull your credit prior to disclosing the fee. I would have never have givenpermission to pull my credit if I had know the fee was non refundable and up front. Credit Inquiries affect credit worthiness andcould affect me being able to get a mortgage at a competitor. I asked him to write a letter to send to the credit bureaus to removethis inquiry he refused. He also refused to do anything in regards to either making the fee payable once the loan is all approved orroll it into the closing cost. This structure almost forces a customers hand to go with them since they have already dinged creditand forced them to pay the XXXX. I have an issue with the fact that they were just no helpful and they just chalked it up to this howour system works. They should have to disclose the fee prior to filling out the application NOT the very last screen since theyhave already pulled credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
I have been unable to have access to my funds for about two weeks. the online banking statement is stating that i have a negative balance of {$1400.00}. How is this even possible and it is a prepaid card. Rushcard is a very crooked company. I have called for two weeks and the phone continuously hangs up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
Midwest Recovery has put a collection on my credit reports for a debt that I do not owe. I paid the loan off many years ago. Midwest Recovery called me XXXX time and I requested they send me proof of the debt, I did not hear any thing else. So now they have put a collection on all XXXX of my credit reports for {$2300.00} I did not even borrow close to that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: UBS BANK USA
State: LA

Complaint narrative:
On XXXX XXXX, XXXX, I rented a car for use in XXXX, XXXX, from XXXX via my XXXX membership. I declined insurance with the belief that my visa card covered any accident liability. Unfortunately, I found out when I filed an insurance claim that visa does not cover car rental damage in XXXX, along with XXXX other countries. 

If I would have known about this, I would have have purchased car insurance. I am an informed consumer, and I do not bet. I would never drive a car without insurance, in fact, it is probably illegal, and XXXX should have not rented me a car without insurance. 

I feel that this exclusion information was not easy to come by. On a search of visa 's policy on this, I found this at https : //usa.visa.comXXXX # XXXX " Effective XXXX/XXXX/XXXX. Please note : This benefit is available on all XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Rewards cards. 
Protect against collision and theft. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Rewards cardholders receive Auto Rental Collision Damage Waiver coverage for damage due to collision or theft. 
Benefit at a glance Collision and theft coverage on auto rentals. 
To activate coverage, complete the entire rental transaction with your eligible XXXX card and decline the collision damage waiver ( CDW ) coverage if offered by the rental company. 
The Auto Rental Collision Damage Waiver ( " Auto Rental CDW '' ) benefit offers insurance coverage for automobile rentals made with your Visa card. The benefit provides reimbursement ( subject to the terms and conditions in this guide ) for damage due to collision or theft up to the actual cash value of most rental vehicles. '' Nowhere does it say that there are exceptions to this coverage. 

And specifically, I found this on the webpage of my personal XXXX card issuer : http : //financialservicesinc.ubs.comXXXX/UBSVisaXXXX.html http : //financialservicesinc.ubs.comXXXX " Auto rental loss/damage coverage Up to {$50000.00} " Nowhere was it noted that it did n't apply to cars rented in XXXX until I got to this website : XXXX : XXXX " This benefit is available in the United States and most foreign countries XXXX However, no benefit is provided for motor vehicles rented in XXXX, XXXX, the XXXX XXXX XXXX, or XXXX XXXX. '' I have sent my complaint to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UBS Bank XXXX - Disputes XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Car Rental dates : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RSI Enterprises, Inc.
State: FL

Complaint narrative:
In a recent review of my credit report, it has some to my attention I have a derogatory debt on my credit report and I do not know what this is about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: WA

Complaint narrative:
A collection account showed up on my credit reports for Midwest Recovery Systems. They 're phone number is listed as XXXX. They 're address is listed as XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. They show original creditor as XXXX XXXX. 1. I have not ever received debt verification or any correspondence from the collection agency. They say the account was placed in their office XX/XX/XXXX for debt dated XX/XX/XXXX, yet they have never contacted me. 2. I have never done business with CP Investors. I have not ever been contacted by them for any debt. 
I believe XXXX XXXX to be a scam and Midwest Recovery also. They failed to notify my of any account in their office within 30 days and reported a, fraudulent account to the credit bureaus. I would like the account removed immediately and Midwest Recovery held accountable for failure to comply with the law. What they are doing appears to be fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This activity is still controlled by XXXX XXXX XXXX that made the illegal usury unlicensed high interest rate to me, I have paid them {$2700.00} on a one year account of {$2500.00} of 1000 %, XXXX XXXX gave this account to their affiliate National Credit Adjusters XXXX XXXX XXXX XXXX Who in return gave the illegal activity to another affiliate XXXX XXXX XXXX # XXXX these companies do not have the legal right to collect usury interest rate accounts and these companies do not have a license to collect usury interest rates that are designed to prey and take advantage of old people, they are not licensed by the Ca .Department XXXX or the CFPBThanksXXXXXXXX XXXX Ca. 








XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA.

Company response to consumer: Closed with explanation