vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: KS

Complaint narrative:
I had a XXXX from Drive Time that turned out to be a lemon. They agreed to take it back and I could get another car. I got a XXXX which is now a mess also. The car has a short somewhere as it keeps locking its self and now the alarm keeps going off and I tried to undue the battery and kept it off for a while and when I put it back on alarm goes off again and I ca n't get in my truck cause it thinks the car is being broke into with the alarm going off. I was driving down the road one day when my lights started flickering and the alarm was going off while I was driving it. I was told XXXX was made better now and that they did n't have very many problems and now this which is now a second lemon plus the trunk pop up twice while I was driving it due to some damage back there that I did not see when purchased. They are selling cars that can cause wreaks or kill someone. I only had this car for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates
State: PR

Complaint narrative:
On approximately XXXX I began a two ( 2 ) year security contract with : XXXX XXXX XXXX XXXX XXXX, TX XXXX. When I tried to cancel my contract my contract in XXXX XXXX, I was informed by XXXX That I could not cancel my contract because it was self-renewing. I disagreed with their claim and requested to speak with the cancellation department which informed that I had another extra year to go prior of allowing me to cancel the contract. For several months I attempted to cancel my contract and I offered them a total payment of {$220.00} which was the amount that I owed until XXXX XXXX. My offered was rejected and they will not accept the payment neither they would cancel the contract. I did not receive any notification from the collecting agency. I noticed this irregularity when I ran my credit report via a free app called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
THIS IS NO WAY MINE. I HAVE DISPUTED MULTIPLE TIMES, AND NEVER GOTTEN PROOF, OR ACTUAL INFO YET THEY SAY THEY CAN VERIFY IT. IDENTITY THEFT. PLEASE REMOVE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime
State: TN

Complaint narrative:
My daughter wanted to purchase her first car on her own, but even though her credit score qualified, she did not have sufficient income, so I had to co-sign with her in order for her to purchase a car through DriveTime. The information presented during the financing of the vehicle was extremely misleading, because nowhere does it spell out that XXXX-XXXX % of your payments will ALWAYS go to interest, which means you will ALWAYS be upside down on your car loan. Our intention at the time of purchase was to get the car, pay on it for 12 months until she could qualify to finance on her own and then refinance it to remove my name. That will never happen because of the way that they setup the payments and interest. This should be not allowed. These people take major advantage of folks and then leave them hanging with no way out. Additionally, they consider you " delinquent '' on your payment if you are one day late, and no matter who you talk to and notify them of when you will be making the next payment, they call continuously and pretend they have no notes about your payment. Surely something can be done about these people!!!! This is ridiculous. Now my daughter qualifies for a loan on a brand new vehicle with more than one bank, but because of how the loan is structured with DriveTime there is no way for her to trade it in or refinance it. Her only way out is to let the car go back to DriveTime which would immediately ruin her credit that we have worked so hard to establish. These people are crooks!!!!

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 2017-03-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime
State: KS

Complaint narrative:
On XX/XX/XXXX I purchased a XX/XX/XXXX XXXX Note from DriveTime in XXXX, KS. The Sales Representative XXXX said the " optional '' warranties were cancellable. We stated we did not want them prior to the contract and sale. She did not act to remove the warrantee products that were financed. I should have known better. She gave me the understanding that they were required, despite the optional nature indicated in the contract. This was recorded. There should be a record that we did not want the warranties. Her inclusion of the XXXX products in the contract should not have been done given our misgivings about the products and the lack of need for their coverage on a XXXX mileage vehicle. DriveTime has a history of sanctions by this Federal Agency for collection practices. This sales practice is unfair and deceptive. The warranty should not be automatically produced in the contract for the sale, increasing the almost XXXX percent APR financing of the {$5200.00} for GAP, Service and Anti-theft warranty products. I signed the contract with the understanding I did not want these XXXX products. The representative failed to remove the products from the contact, stating they are cancelable. I was not able to execute the cancellations until today, XX/XX/XXXX. The product is prorated and financed. I requested their customer service representative to pull the video of the contract signing. I specifically stated I did not want these products and the sales representative failed to remove them.

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 2015-12-19 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
My mother has XXXX and is XXXX years old making it difficult for her to get around when she is not hospitalized. A few years back we went to a branch and had my name added to her passbook savings account in case of situations like this. I had no reason to go since then, until now, but when I went, the bank had mixed someone else 's information with my name on the account and it would be difficult to straighten it out without my mother. In the interim we went and had power of attorney documents notarized for me. However when I went to the bank, they stated they still need to investigate since my information did not match and eventually when my mom was permitted to travel ( she is currently in a XXXX ) by the doctor, we went to the branch near the XXXX, there they suggested she come in while she was out. The lady there said she would simply delete the incorrect information on the account for me. When she did this she put my correct information in and the " XXXX '' they use for new accounts rejected me because of low score, but they still will not honor the power of attorney document. This is a legal document and allows me to represent my mother and I see no reason why they can not abide by this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 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: CA

Complaint narrative:
For seven years I have received periodic calls at my work office number from " National Credit Adjusters. '' Their number is XXXX. They say they are tying to reach someone named " XXXX XXXX. '' I have explained to them for the last seven years that ( 1 ) I 'm not XXXX XXXX ; XXXX 2 ) there is no one in our company named XXXX XXXX ; and XXXX 3 ) I do n't know anyone named XXXX XXXX. 

I would greatly appreciate it if you would get these XXXX to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I received another letter from PennyMac about flood insurance and not being covered ... They are escrowing my insurances and taxes and the insurance company has sent them renewal notices but they have failed to pay the premium. This is second time I have filed a complaint and went over all this with them ... .My flood insurance has been with the same company going on the 3rd year and address is the same. I had to send them copies by fax Fri XXXX/XXXX/2015 in which they agreed they received it. I have to send them certified registered or fax confirmation for them to acknowledge they received copies of my insurances. My insurance company and agent are tired of the games and so am I. My insurance company tired of sending them copies of coverage and the bills which they do n't pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NRA Group, LLC
State: CT

Complaint narrative:
Disputed a collection account on my XXXX credit report i XX/XX/XXXX. The account was deleted. While checking my credit reports in XX/XX/XXXX, the account was back on my credit report. I was not notified that it would be re-inserted. Disputed the account again in XX/XX/XXXX, and the dispute results came back as verified.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: DE

Complaint narrative:
Rushcard issued me A duplicate card of the Card that recently expired XXXX XXXX I am unable to check my balance and enroll in text alerts I have been having this issue since late XXXX yes I received the letter with deposits I was able to receive before the complications of my account they sent no record of the issues that I have been having with Rushcard via metabank I have I have I have XXXX or more reference accounts where I contacted Rushcard via emailAcknowledge : no subject ( Ticket # XXXX ) Acknowledge : no subject ( Ticket # XXXX ) XXXXAcknowledge : no subject ( Ticket # XXXX ) These are the tracking numbers I received for the same issue not multiple but the same issue please respond immediately feeling really inconvenienced I 've been a customer with Rushcard since 2008

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
Our Rush card had XXXX side funds put aside XXXX emergency funds and on XXXX money for the kids. Just now got the emergency funds but they cleaned out the XXXX money. What the heck. Are we gon na get that back?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MO

Complaint narrative:
On XXXX XXXX there was a system upgrade and since that day, my funds have been depleted. There are multiple items that have been debited from my account numerous times after calling the merchant and getting the authorization codes I was told they could only release ONE. When I checked my account this morning, my money was once again GONE! 

There is also a dispute that I filed on XXXX XXXX for {$62.00} that has not been resolved. Customer service is HORRIBLE and I am MORE than fed up!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
Rush Card without my consent put a hold ( Potential Fraud ) on my account, locking my entire account down. Due to a refund from XXXX XXXX in the amount of {$550.00}. As stated from RushCard they required that I email or fax a copy of the receipt of the refund as well as a copy of my drivers license- as I did fax and email. I have no access to my account what so ever. As calling RushCard, they continued to tell me there was nothing they could do, even though I provided proof the XXXX refund was indeed valid. Which has tied up me paying my rent and other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK
State: OH

Complaint narrative:
This is in response to a previous complaint. Scottrade Bank has refused to credit my account for the $ XXXX+ in transactions from XXXX. They said there is an account with them using my email address. Well, I contacted them as well and what they did n't tell me is that the account is closed and there 's no way to access/withdraw the cash. XXXX is supposedly a binary options broker. You can deposit money with them using a debit card. The $ XXXX+ in transactions are actually deposits. So what 's happened is, XXXX has taken over {$6000.00} of my money and run off with it. They stole it! It 's a scam! Like I 've said in my previous complaint, they are an illegal company that is illegally targeting U.S. citizens. If you do n't issue a chargeback for these transactions, you 're just helping these crooks rip off American citizens!

Company response to consumer: Closed
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
GOLD KEY CREDIT INCXXXX XXXX XXXX, FL XXXXToll-Free XXXXLocal XXXXFax XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify GOLD KEY CREDIT INC ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : GOLD KEY CREDIT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, FL 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 2016-11-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I have XXXX open credit cards with Capital One. They have been open for about 10 years. I have never had a late payment on either. I have been receiving annual fees on both of these cards. I decided to call Capital One to see if they could remove the Annual Fees. They refused. I then asked if I could at least combine the XXXX accounts into XXXX, and therefore only receive XXXX annual fee. They refused that as well. I asked if the only alternative they were giving me was to close the accounts and take a hit to my credit score, they confirmed that it was my choice. I have a credit score of XXXX ; I am a very responsible consumer. This is a good example of a very unfair and deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SQUARETWO FINANCIAL CORPORATION
State: WA

Complaint narrative:
Cache, LLC filed a garnishment against me on behalf of XXXX XXXX XXXX XXXX. I do not even know who they are. They failed to send me any information regarding this supposedly {$50000.00} loan. They have garnished my personal account and I have no idea who they are. According to the Dept of Licensing, a current investigation is underway to determine and pinpoint their illegal practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
I have been a member of Rushcard since XXXX. On XXXX XXXX, XXXX someone was in XXXX, FL and took {$400.00} and had atm withdrawls of {$400.00}, {$2.00} for ATM fee, as well as XXXX charges of {$.00}. I was in XXXX, FL, which is about a XXXX minute drive. I had my card in my possession and the only reason I knew of the transaction was because I attempted a purchase in XXXX on XXXX XXXX XXXX XXXX, Florida on the XXXX of XXXX and the charge declined.. I then attempted a smaller amount without cash back and it still declined. I paid with a different method of payment and as I walked away from the register I pulled up the app for Rushcard and seen that my money was taken out at a ATM in XXXX, FL. I immediately called Rushcard and they stated that they will close out that account. They told me that they will open a dispute and asked me a series of questions, about did I give my pin to anyone and if I had the card. I told them no I did not give my pin to anyone and I still had card in my wallet. They explained that they will give me a credit of the funds owed, within 2 weeks while they investigate the situation that was on the XXXX. I received a letter on the XXXX dated the XXXX that the dispute was close and they do n't owe me anything. How can I be two places at one time and what type of investigation was done to find the person whole stole my money. This is unacceptable and I feel robbed by the person who did this as well as Rushcard for their poor business practice. That was money to feed me and my kids and have no money to give anyone. I work hard and need help to resolve this issue. I used the card like an hour or so earlier at XXXX for {$3.00} and I was in XXXX a good time before I attempted the transaction and have proof. I put on a law-a-way and have the receipt to prove it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-11 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:
In XXXX XXXX, I was surprised to find a collection entered on my credit report from Gold Key Credit , Inc. when I did n't have any prior notice, warning or communication that this debt was subject to or nearing collection efforts. At the very least, I would have attempted to settle the debt after confirming ownership to avoid this from hitting my credit report. I received a piece of mail on XXXX XXXX, XXXX from Gold Key Credit , Inc. requesting payment. According to their records, this debt occurred in or around XXXX XXXX. I was hospitalized for 5 days but XXXX XXXX XXXX XXXX reduced my debt to {$100.00} due to the fact that I was uninsured and unemployed. I can not confirm the validity of this debt as I was in a XXXX accident in XXXX XXXX and went to a different hospital, yet XXXX bills state I owed money to XXXX XXXX XXXX. The debt resulting from the XXXX accident has been paid through my attorneys and I produced documentation of payment to XXXX XXXX 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 2015-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade and their affiliates can not be trusted. XXXX states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, XXXX will not provide me with an arbitration agreement. Because of this and many other issues, I am refiling this complaint against Scottrade for the fifth time with the CFPB. 

Consumers beware, I have filed more than XXXX complaints against XXXX trying to get a copy of the arbitration agreement and each time XXXX responds with a boilerplate letter saying " we consider this issue closed and will no longer be responding ''. 

I would like to file arbitration against XXXX. XXXX has refused to provide me with a copy of the arbitration agreement. Can you please provide a copy of the arbitration contract.

Company response to consumer: Closed
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade allowed XXXX XXXX customers to have their personal information exposed in a database breach because Scottrade ignored warnings of cybersecurity incompetence and failed to encrypt any data. 

I personally submitted to Scottrade and the SEC instructions and detailed information about how their security procedures were inadequate. Specifically, the insecure databases and unencrypted authentication information. 

I would now like to report failures of Scottrade in regards to money controls, money transfers, and XXXX deficiencies. Specifically, if you review the attached, Scottrade has no effective policies to prevent money laundering or flag highly suspicious transactions, thus it is very easy to use Scottrade to launder and transfer enormous amounts of illicit money. 

I kindly request the CFPB and Scottrade review the attached. It would be unfortunate for Scottrade to once again ignore tips of failed security techniques and once again leave customers vulnerable.

Company response to consumer: Closed