vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BlueChip Financial
State: GA

Complaint narrative:
Concerned the loan ( SPOTLOAN ) may have been illegal for the state I live in at the time it was approved. It appears the company is no longer doing loans for state of GA. Money was deducted from my account every payperiod. When my bank account was suggested to be closed due to fraud against it, I contact the company and was advised I could now make my payment by debit card. Called to make my payment, and system was down. Was told I would not be penalized when calling back to make payment. I called to make my final payment and was advised my account was marked as collection. Payment was charged for interest due to company not being able to accept payment on due date

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received a call from a young man who never identified himself he just asked for me by name and asked me to verify my DOB and SSN # before he could inform me of the purpose of him calling. I told him I would not be verifying any personal information and asked that he not contact me again if he could not inform me of who he was and the purpose he called for, as well as the company he represented. This man yelled to me " XXXX you need to pay your XXXX bills then, I told your XXXX XXXX I needed to verify your XXXX but you keep running your XXXX Mouth. '' I honestly thought this was a bad joke? No it was real I heard a call center background and laughter and then I heard a female in the background say to him " I hope there is no one on the other end of that line, because you just violated federally mandated laws as well as codes and ethical policies here. '' Then the phone hung up, so I called the number back. This representative ( I called the number to verify it was a place of business after, his outburst over the phone towards me ). The company is NCA- National Credit Adjusters, I stayed on the line and spoke with another ( different ) representative who I told about the incident and asked that I never be contacted by them again, he was as upset as I was and asked me to hold for him to get a supervisor, but we got disconnected and I had to go to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
these people started calling me on XXXX/XXXX/2015 about an illegal usury interest rate account, that they purchased from XXXX XXXX. XXXX XXXX does not have a license to make these type of transactions in the state of California ... ..I advised them that I will not pay {$900.00} in interest on a six month account and requested their license number..they have not provided it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: COMMERCE BANK
State: KS

Complaint narrative:
I do n't understand how my bank calculates low-balances. In XX/XX/XXXX, Commerce Bank in XXXX, Kansas took a third of my paycheck based upon " low balance. '' They do this every couple of months or so. This last time they charged me XXXX separate fees of {$36.00} each for a " low-balance ''. My balance never went below XXXX, and when I went back through the account to try to understand their math. I noticed that the " payable balance '' on any given date sometimes had holds based upon transactions that actually occurred one or more days AFTER the transaction that generated the running balance. I also noticed that some transactions that were shown as " holds '' never got paid. For example, there was a transaction for {$8.00} that appeared on a list of holds that was used by the bank to lower my payable balance and levy overdraft fees, but that amount never ended up coming out of my account. It just disappeared.When I tried to go back and find these items later, they had disappeared or the dates made sense. But I KNEW I had not imagined it. This month I have been keeping an eye out and I today I see an example. This XXXX is for XXXX. I got paid on XX/XX/XXXX. They always do this just before I 'm about to get paid. I 've attached XXXX files. XXXX shows a Running Balance for XXXX and XXXX shows the Payable Balance for XX/XX/2017 that you can get to by clicking on that Running Balance. The running balance for XX/XX/2017 shows XXXX holds. XXXX of holds is for {$6.00} and shows a transaction date of XX/XX/2017 but the actual transaction did not occur until the next day, XX/XX/XXXX. On the holds page the transaction date is shown as XX/XX/XXXX, but did not actually occur until XX/XX/XXXX. Can someone explain why it is dated XX/XX/XXXX on the payable balance page? What does the transaction date refer to in this context? Clearly it does not mean the date that the held transaction took place. Can someone explain to me what is going on here? How is it legal for the bank to jump forward and backward in time this way? And what about transactions that lower my payable balance such that I have to pay a fee, but then the transactions never actually get paid? Why do some transactions just disappear? I just want to understand the math here. Remember -- they are doing this to me without my bank balance ever going below XXXX. Without a better understanding I ca n't see how I can use this banks debit card, and without the debit card, why use this bank at all?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: CA

Complaint narrative:
I have reached out to ACS three weeks ago about having issues making payment on my loan. They informed me of some sort of income driven repayment and said they would send me an application. I am now a week overdue and I have not received the application. This unfortunately is not the first time I have had to deal with this type of issue with ACS and am finding them sending documents late a recurring issue. I always have to call, sometimes up to three times to get them to finally send me the document I need. This creates my account to go past due and I am then penalized. ACS needs to be a little more on top of sending me the documents I request so I can stay current.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 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:
Every time I deposit money in Scottrade, there is no telling when it will available. Sometimes it 's 3 days or XXXX maybe XXXX or XXXX ; they hold deposits for ransom. On the website it shows 2 or 3 days - bait and switch. I am going to close all accounts with Scottrade. The branch manager, XXXX XXXX, told me I should just use my other bank account that I transferred money from. Any bank I 've ever dealt with has a 3-day hold. This deposit was an ACH deposit from my other outside bank account. It 's not even a personal check ; it 's from one bank to Scottrade. I talked to XXXX different people at Scottrade and all XXXX had different answers from 3 days to 7 days. I called at XXXX in morning and I 'm still waiting for an answer XXXX hours later ; I 'm still waiting - maybe tomorrow, the money will be available. I made this deposit on XXXX/XXXX/13. On XXXX/XXXX/13, XXXX XXXX said that it should be available. This is a joke. Look on website ; it will show 2 or 3 days.

Company response to consumer: Closed
Consumer complaint received 2015-10-24 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: TN

Complaint narrative:
Rush card services has about XXXX $ of my gf direct deposit money an we depretly need it we 've called customer service emailed contacted via XXXX any advice greatly appreciated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: MN

Complaint narrative:
I added XXXX bucks threw XXXX to my rush card on th XXXX of XXXX. The company says everything is working but I ca n't get threw. When I do they tell me there is nothing they can do. I really need access to my funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK
State: IA

Complaint narrative:
My experiences have left me truly wondering if Scottrade should n't be investigated by the SEC. It 's very strange how one day my funds are scheduled to be settled, but when the day arrives my money is n't there. The local store representative blamed a " computer error '' when I called him and another representative offered me XXXX free trades to offset the inability to access about {$38000.00} for trading. No other explanation was proffered, despite my correspondence and a promise they would review the matter. 

Another suspicious occurrence involves Scottrade restricting my account and possibly limiting access to my cash for more days than the normal 2 to 3 days it takes trades to " settle '' because their store representative claimed their computer accused me of making a " free ride. '' However, I was very careful to sell only shares I had carried for as much as a couple of weeks, and I purposefully waited to sell shares which had n't settled until their reported settlement dates. But, the store clerk would n't accept my explanation and my account was restricted anyway. Remember, this is the same computer that their store clerk blamed for failing to fund my account a couple weeks prior. 

So, I 'm going to reduce my trading activities at Scottrade out of an abundance of caution, and likely take my grievance to the SEC in a formal complaint. I urge others to be careful and look out for activities like I 've described. Do n't forget that often matters dealing with brokerage accounts will require arbitration instead of a day in court.

Company response to consumer: Closed
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: ND

Complaint narrative:
I have been a loyal customer to Rushcard, since 2013. I received an email that they would be upgrading there system. When this happened many customers were affected not receiving their direct deposit, accessing the online page or money missing out of their account. I have had a total of {$150.00} missing from my account. There were bills that I paid that have not came out yet in the amount of {$15.00} and {$60.00}, that got returned and now im stuck with {$60.00} in late fees. 

We have been lied to by several messages posted on XXXX saying our money is safe and if we have questions to call them or send a private message. Everytime you call, you get hung up on and no private messages are returned. 

I need my money back and they have messed up everything and are not taking anything seriously with their customers in any compensation at all. 

Thank you, XXXX XXXX XXXX email XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09 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: NRA Group, LLC
State: WA

Complaint narrative:
I sold a house in XXXX, IN back in 2014, all bills were paid in full as part of the property sales agreement. Several months later the Indiana power company sent me a bill for new power consumption. I informed them at the time of the sale of the house and at receipt of the first bill that the house had been sold. NRA Group continually calls me now and refuses to send me proof of debt so I can address the 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 2017-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: INVESTORS BANK
State: SD

Complaint narrative:
In XX/XX/XXXX, I opened a home equity line of credit at Investors Bank ( account # XXXX ). In XX/XX/XXXX, we sold the house and informed Investors Bank of the sale. I told them that we no longer owned the house and would like to close the account. They never closed the account. Since then, I have informed them by phone and by mail that we do n't own the property and want the account closed, but they still have n't closed it. Please contact them and make them close the account. Since we do n't own the property, the bank ca n't foreclose on it. My fear is that someone will charge something to the account, and we will be responsible for their debt, and this will affect our credit. Thank you for anything you can do to help us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 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:
Filed CFPB dispute towards CACH LLC. CACH LLC responded in a timely fashion and stated that they would contact XXXX XXXX and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from CACH which has CACH 's response highlighted in yellow. 

I have attempted to contact XXXX at XXXX and tried to reach via phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
i have a rush card. I have not received my payroll check. it has caused me to not be able to purchase food gas and pay my bills. I am very disappointed with all of this happening because I trusted XXXX. but now im mad, simply because I feel he needs to make a public statement and stop hiding behind fb and twitter!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Delta Management Associates, Inc.
State: IL

Complaint narrative:
Delta Management Associations called and I agreed to pay {$5.00} a month back to be in a program called " Financial Disclosure For reasonable Affordable Rehabilitation Payments ''. I filled the paperwork out and included my pension pay stub, then they begin calling daily sometimes more than once a day. Next I had to refill out the paperwork a second time & re mail it back. Now they are saying they do n't have my pension pay stub and I ca n't be in the program. I 've made XXXX payments already before they started telling me I could n't be in the program unless I faxed them another copy of my pension pay stub. I explained I live on {$650.00} a month and ask them to dismiss it due to financial hardship. I also explained to them a couple of schools ( XXXX Online charged for classes I withdrew from and kept the loan instead of returning it ) ( another school has closed but also kept the loan money after I withdrew ). Delta Management is harassing me non stop and saying I ca n't be in the program unless I re mail my pension pay stub at once which I explained I ca n't until the first because I live on a fixed income and do n't have the money to go to town and fax them another copy. They are also demanding access to my bank account which I refuse to give them access. My income is limited only {$650.00} a month, I pay $ XXXX month insurance out of that. I feel if they get access to my bank they will withdraw all my money. When I ask to speak to someone in charge I was placed on hold for almost an hour so I hung the phone up. Delta Management is causing a lot of stress as now I 'm on XXXX XXXX meds because of them calling and demanding access to my bank account and telling me I 'm not in the program. They call after XXXX sometimes at night, block their number where you ca n't see that 's its them calling. I also never received the paperwork from them after agreeing to the {$5.00} a month for the program when they promised they would mail it right out. I was suppose to receive the paperwork showing the agreement. I do not like being lied to, them demanding to re send a pension pay stub, re mail in forms again, demanding access to my bank account. I feel since they are harassing me contributing to health issues and the fact I 'm in a hardship financially they should dismiss the money owed. They keep adding interest to the loan. I have not received any paperwork showing where I 've made XXXX payments. I 've ask for a forbearance also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
I got an email 1 day before I was supposed to receive my direct deposit stating that they are updating their account and everything should be fixed as of XXXX that day. The next morning my direct deposit was not on my account got to work checked with my employer and checked my paystub and it shows that they did indeed pay me. I told this to the customer service rep and he said they have maintenance issues and are working to fix the problem i asked what happened to my money and he had no answer for me. I have bills due and i have i 'm now jipped out of {$700.00} that i worked hard for, please help me get my money back and SHUT DOWN RUSHCARD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: PA

Complaint narrative:
I use this rush card for my direct deposits or work and I can use it to put other money on this card so I decided to put my income taxes on it this started on XX/XX/XXXX when my Federal was sent to my card got my money that day. went to bed it is XX/XX/XXXX that 's when my money was gone XXXX of it called the card hysterical wanting to no what happen to my money they said everything will b all rite and they will get to the bottom of this they sent me a form with what I told them and about two weeks later they said they found no error and that was it I have a police report as well and they are still looking into it I need more help I hope you guys can

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Delta Management Associates, Inc.
State: IN

Complaint narrative:
The representative from Delta Management called by immediate supervisor and discussed my debt with her. When my supervisor was unwilling to discuss this issue with the representative, they questioned her asking " if she was n't concerned about her employee not paying her bills ''. My supervisor indicated that the representative was very aggressive. 

This was very inappropriate and could have lingering impact on my employment. Attempts were made to contact me but I had been in meetings for most of the day today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Dear Scottrade, As mentioned in my separate letter, I wanted to highlight that my son reported vulnerabilities of Scottrade systems, including but not limited to the following errors:1. ) Failure to encrypt customer information, including secondary passwords, social security numbers, and other highly sensitive personal information. Scottrade ignored the warnings and as a result the recent XXXX XXXX customer data breach is now a serious issue. If Scottrade has listened to the reports that they did not properly encrypt and protect information the breach would not be as large of a risk to customers. 
2. ) ACH vulnerabilities in Scottrade 's systems that allow hackers to fraudulently initiate XXXX dollars if fraudulent trades. 
3. ) Failure to investigate fraud. 
4. ) Et al. 

To be sure, I have attached a letter sent to Scottrade and the SEC that describes a number of these issues and would invite Scottrade to respond to my concerns and explain why they ignored the fact that Social Security Information was being transmitted and stored in plain text.

Company response to consumer: Closed
Consumer complaint received 2015-11-12 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I would like to know why Scottrade failed to mention that Social Security Numbers and account numbers were stolen in the latest data breach and that the Social Security Numbers were left UN-ENCRYPTED. 

That data included brokerage account numbers, spokeswoman XXXX XXXX revealed Thursday. 

" They could have seen Social Security numbers, brokerage account numbers and emails, '' she said. " However, it appears that contact information was the focus of the incident, '' she said.

Company response to consumer: Closed
Consumer complaint received 2015-10-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: WV

Complaint narrative:
RushCard pre-paid debit cards had an update that was told to its customers in an email would only last five hours and be over XXXX on XX/XX/2015-Now we can not get on their website, call them, or contact them. Everything stopped working. Today is XXXX/XXXX/15 and its my payday and my funds are n't on my card. I was able to finally get through last night and the representative told me my direct deposit was pending and it would be placed on my card within 1-2 hours. Its the next day and nothing, phone hangs up or is silent when you call.

Company response to consumer: Closed with monetary relief