vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
XXXX 1 ) I, XXXX XXXX XXXX, never received services from XXXX DENTAL CARE the reporting client of this collection agency. This is not my account and is not for charges I incurred. This is not my dental care provider, has never been, and will never be such. 
( 2 XXXX The patient who received care is XXXX XXXX. XXXX XXXX is an adult, not a minor child nor a dependent of mine. XXXX XXXX is covered as a member under my health insurance, but as the enrollee in the insurance, I am neither required or responsible for payments for health care service received by the family members covered under my health plan. 
( 3 ) I never signed as a guarantor of payment on the account for XXXX XXXX. This company is attaching this to me simply because I am the enrollee in the health plan. Federal law allows me to add eligible adults to my plan, but does not mandate me to be responsible for the costs incurred by those covered. * ( 4 ) I have repeatedly told the staff at the collection agency and the dental office that this is not my account ; I have provided them with the contact information for the adult patient that received treatment ; and have provided documentation that these services were not received by me and as the enrollee for the insurance, I have no responsibility to pay someone else 's bill. 
The item is being reported to the XXXX credit reporting agencies from CENTRAL CREDIT SERVICES LLC, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and is inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
Receive calls all the times and asked I be remove from the do not contact list

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: LA

Complaint narrative:
For three weeks I have received daily calls from XXXX, XXXX XXXX at Mercantile Adjustment Bureau asking for XXXX XXXX regarding debt collection, including calls on Sunday morning. I am not XXXX XXXX and do not know XXXX. 

Last week I made XXXX call daily to this agency explaining that the number in their database was wrong and that XXXX XXXX was not at this number. I was told that my number would be removed from their database, but I continue to receive calls, again even during church on Sunday morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at XXXX Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain, in a public forum, why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.

Company response to consumer: Closed
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
This company calls me numerous times a day ( at least XXXX ) ..they have also called my work XXXX times daily, they have been told several times not to call me at work because im not able to receive personal calls, and they continue to call. If I do not answer they start calling from a blocked number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Omega RMS, LLC
State: NY

Complaint narrative:
I don t even recognize who the original creditor is and no account numbers available to contact and dispute the issue. Yet report says Individual and Joint account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
After checking my Credit report i reached out to RentDebt and ask for an invoice to verify debt and balances owed I was provided the information over the phone I stated the charges were inaccurate the rep told me the invoice will be emailed to me in 24 hours. I did not received the email so I called back I then told in order to receive the documents by email I will have to verbally say on a recorded line I am not disputing the collection, which I refused to do! I feel this is unfair Practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: HI

Complaint narrative:
I receive phone calls from Dynamic recovery solutions LLC daily on both my home phone and my cell phone. When I have answered the phone and interacted with them they have told me they are a debt collection agency attempting to collect a debt. I track my credit report closely and monitor it due to being in the military and having a clearance. Every time I have talked to them they have tried to tell me they are attempting to collect a debt for a credit card that I never had for an exuberant amount. Most recently they told me that I owed XXXX dollars on a XXXX XXXX XXXX credit card that was opened in XX/XX/XXXX. The earliest XXXX XXXX XXXX card I ever opened was in XX/XX/XXXX and I just closed the card last month paid on time and satisfactory. Dynamic Recovery Solutions refuses to remove me from their phone list and when I tell them they are violating Federal Collection laws, they hang up on me. The phone number I have recently been receiving the calls from is a California area code, even though their company address shows in North Carolina. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FINANCIAL MANAGEMENT  SOLUTIONS (NY)
State: MD

Complaint narrative:
This company just tried to scam me. A lady named XXXX ; First sign is that they did n't disclose the company name. They first said I owed money to XXXX XXXX XXXX bank, The second call said I owed XXXX BANK, and they wanted to serve me court papers. They tried to get me to verify my personal information.. I did not. 
Anyway, I called both institutions and they said nope you do n't owe us and we have no records saying that we were taking legal action against you. 
So I called this number back and told that I contacted both institutions and I do n't owe them. So the lady on the phone says No this is actually for XXXX XXXX Loans. I said first you say XXXX Bank, then you say XXXX XXXX XXXX, NOW your saying a payday loan.. lol Nope I do n't owe you [ *** ] but if you call this number again you will hear from my lawyer. 
Secondly I typed this number into google search and nothing but complaints came up and an additional number from XXXX Colorado also appeared. I called that number ( THE XXXX NUMBER ) XXXX and it was the same person that called stating they were suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I leased a kia I did the regular maintenance on it. Kia said that they are not responsible to honor warranty if not done at kia? They stated how do they know it was done properly. without any warning light first the battery needed a boost then it stalled the starter stopped and then the engine locked. never ever a warning light.the car was due back on a lease return and i am responsible for installing a new engine. i am a widow on social security and neerd to come up with over XXXX dollars

Company response to consumer: Closed
Consumer complaint received 2016-01-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX OR XXXX ' XXXX, XXXX ( SON ), OPENED A RABOBANK N.A., XXXX XXXX, CA., ACCOUNT # XXXX, ON XXXX XXXX XXXX FOR HIS FATHER XXXX XXXX XXXX ' XXXX ( VICTIM ), [ ACCT. SSN/TIN XXXX. ] ; XXXX, PARTNER IN A 'FAMILY CONSTRUCTION BUSINESS : XXXX XXXX XXXX & XXXX '. THE SON WAS AN 'AUTHORIZED SIGNER ' ON VICTIM 'S ACCOUNT. JUST PRIOR TO THE SON PASSING ON XXXX/XXXX/XXXX, VICTIM THOUGHT THE SON 'S WIFE [ XXXX XXXX XXXX. ] ( SUBJECT ), TRICKED VICTIM INTO BELIEVING SHE WAS ADDED TO HIS ACCOUNT AS A 'TEMPORARY AUTHORIZED SIGNER ' TO MAKE THE CURRENT AND SUBSEQUENT MONTHS PAYROLL & INVOICES [ UNTIL SHE LEARNED THE ACCOUNTING PROCESS AT ANOTHER BANK OWNED BY THE SON. ]. IN FACT [ SUBJECT ADMITTED TO FORGING VICTIM 'S NAME SEVERAL TIMES. ], SUBJECT OPENED A NEW RABOBANK XXXX ACCOUNT # XXXX, ON XXXX/XXXX/XXXX - BY IDENTITY THEFT : NAMING HERSELF AS 'OWNER ' OF THE NEW ACCOUNT AND VICTIM AS AN 'AUTHORIZED SIGNER ' ; USING, VICTIMS SSN/TIN XXXX, AS THE NEW ACCOUNT TIN. WHILE SUBJECT DID MAKE PAYROLL ; SHE, WITHDREW {$70000.00} ON XXXX/XXXX/XXXX FROM THE XXXX ACCOUNT ; AND, {$61000.00} FROM THE XXXX ACCOUNT [ KEEP IN MIND, VICTIM WAS XXXX YEARS-AGED AND AT THE HOSPITAL AWAITING HIS SON 'S DEMISE. ]. SUBJECT, THEN WITHDREW {$31000.00} ON XXXX/XXXX/XXXX AND CLOSED THE ACCOUNT. THE BANK NEVER NOTIFIED VICTIM THAT HIS ACCOUNT HAD BEEN TAKEN OVER BY SUBJECT ; AND, HAD VICTIM SIGN A SIGNATURE CARD ON XXXX/XXXX/XXXX ; LEADING VICTIM TO BELIEVE SUBJECT WAS 'TEMPORARILY ' PUT ON HIS ACCOUNT AS AN 'AUTHORIZED SIGNER ' TO MAKE PAYROLL. FURTHER, SUBPOENAED BANK RECORD AFFIDAVIT DOES NOT SHOW SUBJECT AS THE OWNER OF ACCOUNT XXXX ; AND, THE BANK WANTONLY FAILED TO NOTIFY ADULT PROTECTIVE SERVICES [ AS MANDATED. ] OF REASONABLY SUSPECTED ELDER FINANCIAL ABUSE. UPON SEEKING REIMBURSEMENT, THE BANK HAS ASSERTED THE STATUTE OF LIMITATIONS. WE WOULD LIKE TO KNOW IF THE BANK HAS INSURANCE UPON WHICH A CLAIM CAN BE MADE. THE ONLY OTHER WAY TO OBTAIN VICTIM 'S MONEY IS BY AN EQUITABLE SUIT BROUGHT BY THE GOVERNMENT TO PROTECT A RIGHT [ AND SINCE VICTIM REPRESENTS AN ELDER CLASS NOT PROTECTED BY THE STATE - A PUBLIC RIGHT. ] ; AN, ACTION AS A PRIVATE ATTORNEY GENERAL IS NEEDED AS THE STATUTE OF LIMITATIONS OR DOCTRINE OF LATCHES DO NOT APPLY UNDER SUCH SUITS. CAN YOU REPRESENT OR HELP XXXX XXXX, NOW AGED XXXX RECOVER HIS LIFE 'S SAVINGS. I PRAY YOU CAN HELP CR. 

XXXX XXXX, ADVOCATE FOR XXXX XXXX XXXX, XXXX XXXX DETECTIVE AGENCY CA STATE LIC. NO. XXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
Repeated calls to myself, place of work, all my family members saying there was a formal complaint in their office and that I would be served today ... today ... today. Never have been served yet. I told them I would love to take it to court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
Rushcard system is down my balance is not accurate they keep telling me it will be fixed soon. I ca n't even pay my bills because my funds are n't available due to their system outage. They keep putting me on hold and transferring me. The longest I 've been on hold was 50 minutes. Never had any issues before with them but now this is ridiculous

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

Complaint narrative:
for weeks my check been delayed late post it 's very wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
{$300.00} cash load was made to my XXXX card on XXXX/XXXX/15 through XXXX. The money was never credited to my account even though money gram shows it as having been received. Rush card customer service is non-existent. I have called and been hung up on repeatedly. I have emailed, private messaged on XXXX and twitter ( per XXXX XXXX request ) and have not been contacted in response. I have copies of all the receipts and proof that the money was paid and should have been loaded to my card immediately, but no one will help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I am writing to express my concern about Scottrade Bank when my online account was hacked while I was XXXX. At this time I had both a Scottrade Brokerage and Scottrade Bank account. I reported the fraud to Scottrade and was instructed to provide a police report as well as other materials which I did. I respectfully requested Scottrade cooperate with the law enforcement agency but they refused and stated I must go through an internal appeal at Scottrade. When I inquired on how to submit a formal complaint for internal review, Scottrade stated that " Corporate HQ '' would get back to me. Well " Corporate HQ '' did not get back to me and after XXXX phones calls, numerous certified letters, and complaints with third parties, Scottrade vaguely informed me that I would have to submit an appeal in writing, which I promptly did. 

What Scottrade Bank failed to inform me about was that there was a specific Scottrade Bank form for disputing fraudulent transfers and or hacked accounts available here XXXXI am unsure why Scottrade did not follow their own procedures for dealing with hacked accounts but I am sure that Scottrade 's failure to follow appropriate procedures appear to be an abuse of their position in an effort to avoid liability for the hacked accounts and failed database protections. 

I am writing to the CFPB because Scottrade refuses to acknowledge or respond to any of my complaints and I am kindly requesting Scottrade provide me an opportunity for a XXXX review of the situation. I have provided Scottrade with a completed account activity dispute form and will be expecting a response. The dispute form is available here, XXXX and Scottrade Bank has written policies about how to process the form. 

If Scottrade refuses to provide the requested documents and take appropriate action, I am specifically asking Scottrade provide me with a copy of the original arbitration agreement ( if it exists ), a request that Scottrade has refused to respond to on over XXXX different occasions.

Company response to consumer: Closed
Consumer complaint received 2015-10-29 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
Monday XXXX XXXX, 2015 I was emailed from the rush card company stating that the rush card would be down from XXXX until XXXX on Monday XXXX XXXX. I called rush card on the XXXX because I was n't able to access my account only to be informed that they were working around the clock to get the issue resolved. Then I stated that my card says it 's blocked on my application for rush card that I have downloaded to my cell phone. The girl representative stated that the website is uploading and she ca n't access my account. So I called back on the XXXX only to get the same results. I was placed on hold for XXXX hours to speak with a supervisor about the issue only to be hung up on. So I called again on Thursday XXXX XXXX to be placed on hold for another XXXX hours and again hung up on I was told that the systems were still uploading and they could n't get access to my account. So I hung up to call again for my card and then to hear that my card has n't been activated but they ca n't give me any information. I have rent due, cable, car note, utility bill due.

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

Complaint narrative:
Unable to receive my paycheck that 's been direct deposited.

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:
As a former member of Scottrade Bank, whose account was closed due to an ongoing dispute, I would like to obtain a copy of Scottrade Bank 's dispute resolution procedures for account that was linked to Scottrade Brokerage account XXXX. 

Furthermore, I would like Scottrade Bank to elaborate on the policies present to ensure arbitration is conducted fairly and appropriately. Does Scottrade Bank have a 'carve out ' provision for small claims court and are there any considerations given to potential claimants that may not be able to pay arbitration fees. For example, consumers in XXXX challenged arbitration provisions XXXX required customers to accept for its electronic disbursements services under its " clickwrap '' agreement on its website. The provisions defied the Protocol by limiting their remedies and subjecting them to high costs through arbitration. Although consumers mainly used XXXX for small transactions averaging {$55.00}, the arbitration clause precluded any class or consolidated relief, and did not allow customers to pursue claims in small claims court instead of arbitration. Furthermore, XXXX 's arbitration clause required consumers to arbitrate in XXXX 's home state of California and prescribed application of the XXXX rules for commercial instead of consumer arbitration, thereby requiring consumers to pay high travel costs and an equal share of fees in excess of {$5000.00}. These factors accumulated to lead a California court to strike the arbitration clause as allowing XXXX to " insulate itself '' from any meaningful challenges of its practices. Further, in the event of XXXX conflicting arbitration agreements, such as an agreement of Scottrade Bank and Scottrade XXXX, is there any precedence given to any of the agreement or provisions?

Company response to consumer: Closed
Consumer complaint received 2015-10-29 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: WI

Complaint narrative:
I ca n't access my money. And I ca n't make transfers. My dedit card says blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
unsolicited recorded call for dept collection. my number is on the do not call list, and have no outstanding consumer dept. 
Company name is RSI XXXX

Company response to consumer: Closed with explanation