vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-11 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: ClearOne Advantage, LLC
State: VA

Complaint narrative:
We signed up for ClearOne Advantage to handle our debt situation. While with our other accounts we had been satisfied, our major account is when caused me to investigate further and realize that this company used a number of shady practices. 

XX/XX/XXXX, I began to receive calls and emails from ClearOne saying they had come to a settlement agreement with XXXX XXXX on a credit card, from {$23000.00} down to about {$9500.00}, in payments over a couple of years. While I was glad for a possible settlement, I was due to receive a sizable bonus XX/XX/XXXX and wanted to pay it off all at once, knowing a lump sum payment would result in an even lower settlement. I expressed this interest and set up a special draft for {$9000.00} XX/XX/XXXX. A few days later I began to receive calls notifying me that a settlement for {$8300.00} had been reached, but again spreading the payments out over a number of months, the first being {$10.00} followed by significantly higher payments the remaining months. I was told that this would be the best settlement, and that with a lump sum XXXX XXXX would actually want more money. ( This was later found by myself to be a lie ). This is when what only be described as harassment began. My wife began to receive numerous phone calls and emails every day urging us to accept the offer. While we were still hesitant and wanted to call XXXX XXXX to ask about a lump sum ourselves, due to the near constant stream of calls, emails and text messages we went ahead and accepted, with the full intention of calling XXXX XXXX ourselves and settling in a lump sum. What we were not told at the time was that by accepting this settlement we were also accepting the ClearOne Advantage fee, which was XXXX % of the ORIGINAL debt, to the amount of {$5800.00}. This, by their contract, is " locked in '' when the first payment is made ( which now shows me why the {$10.00} initial payment was made so promptly ). 

This was all discovered by me after negotiating with XXXX XXXX for a significantly lower lump sum payment of {$7600.00}. 

So, in the end I have XXXX issues : The harassment to accept the settlement I asked for a lump sum settlement for this particular account, and made funds available to do so. I was told this was not possible - this was a lie. 
When accepting the settlements, the fact that this would also accept the fees with ClearOne, with the amount of said fees should be part of the settlement agreement. So instead of the agreement simply showing the {$8300.00}, it should explain that it would also result in the {$5800.00} fee, to a total of {$14000.00}.

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 2016-05-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MD

Complaint narrative:
I receive a retirement check of {$41.00} from XXXX bank XXXX New York. I did not receive it for the month of XXXX I contacted the bank and was asked to wait until the XXXX of XXXX which I did still did not receive it.I called today XXXX XXXX and was told it was cashed at the central bank in the XXXX.I am very upset this has never happened before. The XXXX bank wants me to wait for them to get the cashed check back before they do anything. I want to know how my check ended up in the XXXX XXXX when I live in The United States. This bank has had my retirement since I retired in XX/XX/XXXX so not having my address is not an issue I have received last months and the months before with no problem. It may not be much but it is mine. I want my checks on time as always.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Commonwealth Financial Systems, Inc.
State: NE

Complaint narrative:
I worked with another debt collection company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to resolve this debt. It was a medical debt from XX/XX/XXXX. I filed chapter XXXX in XX/XX/XXXX. They removed this from my credit report XX/XX/XXXX after I sent them proof ) For a 3rd time ) of my bankruptcy. I had been fighting them for years to remove this. They sold this account to commonwealth financial systems. They have put it back on my credit report as of XXXX, as an open collections account. My credit instantly dropped XXXX points. They are sending me letters to collect the amount owed {$420.00}. I called and had to resend all of my bankruptcy information to them. I plan to buy a house soon and my credit has been ruined by these guys. I 'm not sure how a company can reopen a discharged debt and why it falls on the consumer to have to continually resend documentation. If they keep adding it to my credit report every time they sell information to other companies this is not right. I want it removed asap, not in 30 - 60 days. Again, this is ruining my chance of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 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: Source Receivables Management LLC
State: GA

Complaint narrative:
I pulled a copy of my credit report and saw that this company was reporting a XXXX debt. I sent them a debt validation letter to see if this account was indeed mine and they replied with a simple letter just stating what the balance on the account was. That does not prove this account is mine. I sent another letter on XXXX XXXX stating to please prove the debt is mine with something that has my signature on it or a contract and they have not yet replied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I have received collection notices from this company regarding a medical debt and I believe the they are trying to collect a debt that I do not owe. 
I have contacted the original creditor and they do not have an account that is tied to either my name or my social security number. Also, on the validation document that I received from the creditor, the name is not spelled the same as mine, the address is to a place I 've never lived, and I have never been treated at the hospital in question or on the date of services listed on the 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 2016-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SQUARETWO FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been taken to small claims court through the XXXX, without EVER being notified of the court proceedings or the debt being requested. I do not even know what the debt is for, how much or when the debt is from.

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 2015-08-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAC Financial Corp
State: FL

Complaint narrative:
This company from XXXX XXXX, OK states that I owe {$51.00} to a company called XXXX XXXX XXXX from XXXX, Florida and they have stated that they have investigated this amount owed on my behalf with the creditor XXXX XXXX XXXX that they work for and they have stated in their letter that they are sending this information to the credit bureaus in the meantime without letting me dispute it first and receive a detailed invoice and/or statement for these alleged charges. These people are definitely a bunch of crooks and they are saying that they follow the FCRA which is totally false and misleading. They have never given me any reasonable time to dispute these allegations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MO

Complaint narrative:
I 'm having a lot of issues with rush card prepaid card because I been with rush card for a year and some months and they been locking my card so I ca n't use it or withdraw off my money I get Social security and I have my direct deposit on my rush card every month and phone company been going on my account and taking money off my card without my permission and I will call rush card costumer service and they will hang up on me and rush card will have me on the phone on hold for hours at a time and they will never pick up the phone when they do they will argue with me saying it 's my fault and I allow the phone companies to take money off my card and it 's not true when I check my account balance i know some money been taking out of my account and rush card will tell me they put the money back on there and they never put the money back on my card and I 'm sick and tried of it something needs to be done about it asap it 's a constant thing with rush card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I have had issues with my Scottrade Bank account ever since my account was improperly accessed ( hacked ) and Scottrade Bank has refused to investigate the fraud and unauthorized transactions that occurred. 

I 've attempted to go through Scottrade Bank 's internal dispute resolution procedures but, thus far, Scottrade Bank and its compliance department have been enormously rude and failed to acknowledge my dispute or provide instructions on how to remedy the situation. 

For over 6 months, I have been asking Scottrade Bank to provide me with a copy of the arbitration agreement Scottrade Bank says I signed, however, to date, Scottrade Bank has been completely unwilling to discuss the arbitration agreement or how to resolve the situation. 

If I had known that Scottrade 's actions would have been so unhelpful, I would have closed my account a long time ago.

Company response to consumer: Closed
Consumer complaint received 2015-11-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
On XXXX XXXX, 2015 there was a direct deposit made by job of {$80.00} to my Rushcard account. That same day Rushcard made a duplicate deposit of {$80.00} and then made a duplicate reversal of {$160.00}. I contacted the company on XXXX separate occasions to explain why this transaction occurred and when can I expect to have my money returned to me. On each occasion I was placed on hold for more than an hour and despite promises to rectify my account the money has not been returned to me. The last representative I spoke to advised that he would take this matter straight to the corporate office to resolve and would send me an email confirmation of our conversation. This was on XXXX and I have not heard from anyone nor did I receive the email. I am very frustrated at this situation and the lack of resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — Transit card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
rushcard did not load direct deposit its veen a week

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
I have the Rushcard and been locked out of my account, been hit with late fees on numerous bills, no food, no access to my money since XXXX XXXX. My rent is due this week and have no access to my money ....

Company response to consumer: Closed with monetary relief
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: GA

Complaint narrative:
I have been trying to speak with someone by calling Rushcard XXXX number. Every time I call I 'm either on hold for XXXX hours or they hang up, this last time the young lady was so rude I forgot why I was calling. These past few weeks have been a headache. I went from missing money to not receiving my deposits. I understand they might not come early anymore but it 's past my pay date and no XXXX will come to the phone. I have been a member since 2011 and you would think they would handle this more professionally. They need more customer service reps and to keep their customers in the loop.

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

Complaint narrative:
There has been several issues. I was charged incorrectly for my card. Rush card owes me XXXX and refuses to pay. I had XXXX fraud fees on my card of XXXX each and they still have not investigated it and have not taken measures to refund y account or secure it. 
For two week + I have not been able to use my card.I have direct deposits that have mysteriously disappear and my balances have fluctuated They are crooks and I want compensation for all the turmoil I have been though I have called the company a number of times with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: PA

Complaint narrative:
National Recovery Agency agents rude despite offering to pay debt in full during first phone call XX/XX/2016. After I gave them a time to call me back when I had payment info ready, they failed to do so. After calling me during random times, I told the agents that they need to call me after XXXX so that I may provide payment info. On XX/XX/XXXX, they called again and I provided payment info. At time of payment, I requested a receipt and was told that I need to mail a letter with a self-addressed, stamped envelope and that 's the only way I 'll get a receipt. 
This was an oversight on my part not paying the bill before they sent it off to a collector, but I have been trying to get it paid and National Recovery Agency was rude and made the entire process unfriendly. 
My customer number with NRA is 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 2015-09-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Data and Contact Management Solutions, LLC
State: NY

Complaint narrative:
My mother, age XXXX, was contacted by DCM Services and informed they were trying to collect on a hospital bill regarding my deceased father. They told her she needed to agree to arbitration to settle the debt. 

They claim to be licensed in the state of Minnesota, but when I went to the Minnesota Department of Commerce and did a search for them using their name and license #, the portal could not locate them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MS

Complaint narrative:
i have been calling ruschcard since wednesday about my direct deposit and all they have been telling me is that, they are working to fix the problem. {$470.00} direct deposit hasnt been recieved and now i have bills piled up and a car about to get repoed because i dont have my money.. i have a XXXX baby to take care of and she needs alot of things that i can not get. XXXX transactions were made at atm but i recieved no money out of and my account was charged for. Rushcard said theres nothing that they can do about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
Midstate Collection Solutions, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX IL XXXXContinues to send mail showing a debt from XX/XX/XXXX and XX/XX/XXXX. 

They also sent a false signature on a document from XX/XX/XXXX. 

This is NOT MY DEBT ... Also the FCRA states that any debt over 7 years old should be deleted from Credit Reports, however MSCSI continues to report this debt on my Credit File. 

I disputed this Debt with the Credit Bureau, and it continues to report on my Credit File ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: MA

Complaint narrative:
I ordered a replacement card from the rush card company. I am unable to activate the card over the phone or on the Internet. customer service does not answer any of the phone calls or return any emails. I have been calling for almost a week about the situation. I simply want to get the rest of my money out and I will not use this card anymore. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
I received notification on XXXX/XXXX/2015 that there was a posting by a collection agency to my credit reports I checked and found it was Gold Key Credit that has posted derogatory information to my report and is in violation for they did not send me any notifications concerning this debt XXXX days in advance as required by the rules and regulations and laws of the FTC, FCRA & Consumer Protection Agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RSI Enterprises, Inc.
State: NV

Complaint narrative:
There are a couple items listed on my credit file which are unknown, several times I have disputed with no response. Please help assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
I am a customer of Rushcard for several years. About 2 weeks ago they had a system change which rendered my card useless. Since then my balance is missing XXXX I tried contacting member services for days. The phone would hang up after XXXX rings. I sent emails and XXXX messages that were unanswered. After finally holding for XXXX hours I get a rep that says he sees the discrepancy and will send it to the risk team and I will get a call back. I have not received a call. As of today the systems are down again. This is insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Dear Scottrade, CFPB Officials, and the Concerned Public : I am writing to follow up on the unproductive behavior of Scottrade and their affiliates, collectively known as Scottrade. Specifically, in 2013, Scottrade allowed a custodial account held by me and my son to be hacked. Likely in the databreach Scottrade had that led to XXXX XXXX customers having their personal information exposed, ( XXXX ). 

Myself and my son worked diligently in attempts to resolve the situation and worked with numerous other financial institutions involved in the fraud. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and IRS have all agreed that the actions that occurred were the result of identity theft and fraud. However, Scottrade refuses to acknowledge these events as fraud for fear of exposing that their security systems are very poor. 

To warn the general public about the actions of Scottrade, I would invite current and potential customers to Google Scottrade 's customer reviews and I assure you will not want to do business with this type of company. 

For the purposes of resolving this issue professionally, I will be attaching, under a separate cover, the harassing letters Scottrade has sent to myself and my son, absolutely refusing to reopen my account, provide verification of debt, or even provide an original contract copy.

Company response to consumer: Closed
Consumer complaint received 2015-10-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: MA

Complaint narrative:
I have a rushcard and I 've been locked out if my funds for over 2 weeks now.I 've missed a car payment, and i have XXXX kids all under XXXX yrs old and a XXXX wife.I 've been told they would call me the one time i actually got through to them that was well over a week ago.i know stuff happens sometimes but this should have been resolved a long time ago.i just want my money that i worked hard for.

Company response to consumer: Closed with monetary relief