vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services
State: IN

Complaint narrative:
In XXXX or XXXX, myself and my now ex-husband consolidated our student loans. As of today this consolidation program no longer exist yet I am stuck in it. He and I are no longer married and I have made several attempts to lower my payments since I am currently in school but I am unable to get an affordable payment without my ex husband meeting the same criteria. This is a conflict because not only am I locked into a program that no longer exist, I also have " no contact '' with my ex husband. All I want to do is make a payment that I can afford and not be penalized in the process. I have no knowledge of my ex husband financial situations. I just wish there was something that I could do on my own, to pay off and resolve this matter. We are both children of deceased veterans, I have worked for a non profit organization for 7 years, I am a single mother, and I am currently a XXXX XXXX student. I just want to do good but the payments are just way more than I can afford to pay. There has to be some other options to those that have entered a consolidation program that no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent GULF COAST COLLECTION BUREAU certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters sent a letter stating that I owed {$2000.00} which was never taken out. The phone number given transfers to XXXX XXXX which refuses to provide information on the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
My Scottrade account was hacked and Scottrade is refusing to honor their Online Security Guarantee. I would like to file an arbitration case against Scottrade but Scottrade will not provide me with instructions on how to file arbitration against Scottrade.

Company response to consumer: Closed
Consumer complaint received 2015-11-13 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: PA

Complaint narrative:
Rushcard took my whole direct deposit from my account because of a system glitz they are having..i was told since the XXXX of XXXX that they working on getting my money back ..it is now XXXX..customer service wo n't help ... keep telling me it up to corporate office..i been treated so unfair for something that not my fault.i ca n't pay my rent ..im upset and dissatisfied with how they act like they dont carr..the sytem was suppose to have deposit my account twice but it didnt..but they took XXXX deposit out if my account..so ehen i got pay on the XXXX of XXXX account was in the negative..so they took XXXX of my XXXX check..now yhey gettinge the run around about my money..please help me get my money thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
I am a recent victim of the rush card scam. I have never in my life dealt with a company that has such low regards for their customers. Not one person has contacted me yet. I have put myself in a financial burden because of the rushcard. I can eat food, let alone feed my children. Please please please I am disgusted to the XXXX power and I want to take some legal actions. I have my next check being directly deposited. So does this mean they will take my money again. What are they doing gambling with my check for their own corporate scheme. I want my money so I can cancel their services. I have been embarrassed on so many levels. This is a joke and shame that people can do this to you without America protecting the citizens of this great nation. please will someone help me or send information about how I can take this to the next legal step

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23 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: APEX Asset Management, LLC
State: PA

Complaint narrative:
I requested that Apex Asset management LLC provide me with proof that I requested service from XXXX XXXX the debtor they are collecting for. XX/XX/2016 I requested " A signature '' " A contract '' something so I may see my handwriting or proof of some sort that this belongs to me. The first reply I got from them was nothing more than a print out with my name, the amount owed and pretty much the info that 's on my credit report. I replied XX/XX/2016 that this is insufficient, I need a signature or something proving this is mine. 
The next reply I get from them is a list of programming from start to finish which once again does not prove to me that I ordered this service only that it 's been ordered and my name is attached to it. 
This is going over 60 days, 2 letters and 2 replied in which I requested validation and still I have none. I have requested they remove this debt from my credit reports if they can not comply with my request, it still remains on my credit reports and I still have no valid proof that I ordered this service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
Company : XXXX XXXX rush cards. XXXX of customers of prepaid debit cards backed by hip-hop mogul XXXX XXXX remain without access to their money more than a week after technical problems first began plaguing the cards. This has been going on for years. Back in 2012 it was income tax time, payday, and bonus check time for us. They withheld our money and froze our account. We lost access to funds. Rush Cards Stating that we had too much income coming in all at once. It was unfrozen a week or so later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Deatrick & Spies PSC
State: VA

Complaint narrative:
I was illegally evicted in XXXX as there was a formal dispute with a written letter to with hold rent until electrical problems were resolved and if not resolved, I would move out in 30 days without paying rent. The electrical issues weren ' t resolved. There was nothing on my credit report reflecting this. I vacated the premises and have heard nothing from the landlord. Upon reviewing my credit report in XXXX, I observed a recent Notice of Judgement Lien on REAL ESTATE had been filed by attorneys representing my landlord. They are subtotaling {$4300.00} excluding interest and a total of {$6900.00}. I was told by this law firm that they were n't able to forward returned documentation to me relating to this law suit/judgement and XXXX documents were n't received by me in which they validate and advised this was how they obtained the judgment. I requested information to support the judgment to XXXX who was very rude and refused to provide information on XXXX/XXXX/XXXX, I called back. I then spoke w/ XXXX who was very professional and mailed information that the landlord had provided which was a statement. I did n't receive any paperwork or documentation to support the judgment being filed. I am concerned with the time gap as well. There should be a statue of limitations. also, if no writ was reflected on my credit by way of legal dispute due to electrical problems, how is they able to come back 10 years later, indicating a year of XXXX when it was XXXX and attempt to now collect? 
I want to report this action because it is illegal and is impacting my credit score negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: MD

Complaint narrative:
Hello, I have a Rush Card. Today I loaded XXXX dollars to my card at XXXX though greendot. Then I called to check my balance to make sure It was credit. It said it was. Later I went online to pay my care note and the system said I have insufficient funds. I called Rush company, they had me on hold forever. I talked to XXXX ppl. Then I finally talked to someone they said they cant locate my money. I provided ref # and everything. All they tell me that they send to higher authority and there 's nothing they can. So now Im out of XXXX dollars and carnote not paid. I read on the internet ppl have not be getting their money. what can we do about our money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Reliable Credit Association, Inc.
State: OR

Complaint narrative:
XXXX called my Employer - and left a message on the Department Heads voice mail saying they are calling for me XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
I have not been able to use my rush card or access my funds since Monday XXXX XXXX, 2015 and today is Tuesday XXXX XXXX, 2015. I have called customer service everyday three and four times a day and wait on hold for an hour or longer to be told they are working on it and they dont have an exact time it will be corrected. That is when I am able to reach someone the other time I get disconnected. How am I expected to live without access to my money, I have bills due and no food to eat, also no gas to get to work!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
original creditor and went to court and the case was dismissed by the circuit court judge. The debt was found to be no accurate. The case was dismissed. I have supporting documentation from the courts to prove it 's dismissal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
They said they updating their system XXXX been calling for a week about my account and to get a new card because I lost my old one I keep calling Rushcard and the phone just keep hanging up and my benefits come on that card in about week please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAC Financial Corp
State: KY

Complaint narrative:
someone stole my identity they opened accounts i did n't even know about. I do n't owe anything I just want to get this mess over with.

Company response to consumer: Closed
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
In the tail end of 2014, I found myself going through some financial difficulties. Recently divorce, a new business that was not even brining even, and clients that were not paying for their services. I was contacted by the servicing company that has my loan, a debt collector called " Green Tree Servicing '' after offering to send a loan modification application in the mail, and telling me that I could pay a bit lower amount than the monthly mortgage, until I got approved, I felt, I was on my way to saving my home from going into foreclosure. I received and application, that was going to determine if I qualified for the H.A.M.P., and after XXXX mailing it, and faxing all those papers, I was told by Green Tree that the could n't find my application. A couple of weeks went by, I re-fax the application and after almost 2 months, received a letter from Green Tree telling me that I did nt qualify because my credit was too low and the house was not my primary residency. 
After finding out that I did not qualify according to GT, I wanted to know what amount I owed, so I could plan to pay to bring my account up to date. Green Tree would come up with so many reasons why they could n't calculate this amount, why their computer system was not work, and how the supervisor or the person in charge of my account, needed to be the XXXX helping me, while encouraging me to wait for an alternative modification, that some of their investors were going to offer me. I was told they had mail the papers, but after asking them to fax them, so a least, I could see them, their offer seem a worst of solution, than, if I paid everything, and went back to my regular payments. They were offering a 40 years mortgage, at 4.00 interest, higher Escrow, higher PMI, and the monthly fee was adjustable just after 1 year. Lastly, I most say, I want to being able to keep my home, bring my account up to date, and have this scammers brought to justice. Green Tree reported me to the credit companies, and told them I was diluting in my mortgage payments, they make it impossible for me to qualify for a loan, so I could only use them, and accept their " offer from XXXX '' Could you guys help me save my home!!?

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: 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 overseas. 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 20 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 : XXXX I 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 de novo 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 7 different occasions.

Company response to consumer: Closed
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC
State: PA

Complaint narrative:
Medicare paid for XXXX % and Medicaid paid the other XXXX % and they are billing my for XXXX and I was told it would be removed since I faxed them proof. They are commiting medicare fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
I was paid by my employer on XX/XX/XXXX, but never rec'vd my funds to my account. After ten ( 10 ) days Rush Card has still yet to release the funds as they are ... and i quote, " trying to locate my account in order to post my funds. I 've had the same deposit information on file with my employer for Rush Card for XXXX months now as well as I 've had the same account since XX/XX/XXXX ... how is my account invalid. I have an eviction, disconnect on utilities, phone bill, storage fees, cancellation of my car insurance which I have to carry XXXX. I NEED HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: NY

Complaint narrative:
I received notice of collection, I contacted them for validation of debt representative verify all my information I advise this is not me he then proceeded to state that since all my information matches this belongs to me and I have to pay without no sort of proof, them having all my information correct is more then proof as he stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SQUARETWO FINANCIAL CORPORATION
State: GA

Complaint narrative:
THIS COMANY IS REPORTING A NEGATIVE REPORT ON MY REPORT AND I HAVE ALREAD YED THEM PLEASE REMOVE FROM MY CREDIT THANKS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
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: DE

Complaint narrative:
I have been with Rushcard for over 4 years. As of late, they have held my money for over a week and refuse to give me a time frame on when my money will be released. I am a full time college student and have daily expenses that I can not take care of now because they refuse to release my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NRA Group, LLC
State: MA

Complaint narrative:
National Recovery Agency insist that I owe {$5700.00} in charges. I am a victim of Identity Theft. I was recently contacted by the United States XXXX XXXX XXXX XXXX informing me that I was a victim of ID theft. They informed me that my information has been compromised.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
My account was recently involved in a breach of Scottrade Bank 's security systems. In total XXXX Million+ customers were effected. 

I have asked Scottrade numerous times to provide explanation on what data was breached, however, Scottrade refuses to respond. 

Personally, I am closing my account with Scottrade and will not trust them with any personal information again. Every time I call, I get a rude customer support agent who sends me in circles going back and forth between departments and promising to follow up at a later point in time but never accomplishing anything.

Company response to consumer: Closed
Consumer complaint received 2016-03-11 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: IL

Complaint narrative:
I was trying to buy another house, all of a sudden a bill appears from a Common Wealth Financial Systems for {$75.00} in my credit report. I contacted them and they gave me XXXX different stories of where the bill came from. XXXX was from a physicians office and the other story is that I went in to XXXX hospital in XXXX XXXX. I live in XXXX, I have never been to a XXXX hospital or any medical providers there. I called XXXX of these places and neither of them have proof or record of me being there. Common Wealth Financial Systems told me that they bought this bill from XXXX XXXX XXXX, but that they can not give me XXXX information. I have tried looking for XXXX contact information online, but there are many of those companies, I have also read similar stories to mine and they have all been fraud collections from XXXX.

Company response to consumer: Closed with explanation