vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-18 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
I had the Rushcard since XX/XX/XXXX. XX/XX/XXXX they were having technical issues and people were not able to access their money. They stated that they would be compensating it 's customers for the problems they encountered just as I was in the process of moving my direct deposit from them. I opened a XXXX account and have been with them since. Recently, I wanted to go back to Rushcard because I liked getting paid 2 days earlier. On or about XXXX/XXXX/XXXX, I called Rushcard to make sure everything was ok with their system and if my account was ok for direct deposit again. I was told that everything was good, thanked me for being a customer since XX/XX/XXXX and never mentioned any negative balance. I was in contact with Rushcard for over a week before my direct deposit went in and.no one ever mentioned a negative balance until I called them about not receiving my pay. Rushcard is saying that they deposited my payroll twice in error. From XX/XX/XXXX I was never contacted about this. I am a XXXXyr old grandmother of XXXX on a budget and they just took my entire paycheck, XXXX. I had to borrow money to pay my rent. I can not pay my utilities. I called and begged them to make some kind of payment arrangement with me but not to take my entire pay. They told me they would escalate the issue and it would take 2 business days. This was on Friday XXXX/XXXX/XXXX. I called them back after not hearing anything on Wednesday XXXX/XXXX/XXXX and was told my money would be posted back to my account in 2 business days. When I called back on Thursday about not seeing my next paycheck I was told that the information about the pay they took going back to my account was incorrect. I was counting on this, making promises to my bill companies and all. She said if no one contacted me in 2 business days, that meant the escalation was denied..This is a huge huge loss I can not have. I will be in the dark, my cable and car will be gone. Rushcard should not be able to make people suffer for their mistakes. i thought the extra money was the compensation rushcard was giving customers. They never said how much or when they would be doing it. I am perfectly willing to pay the money back but not like this. I am suffering a great deal. My bills were already late so now i am in desperate trouble. These people can not get away with this! I am going back to XXXX. I would have never gone back to a company knowing i took funds from them. I did not know and they never told me, just took my money. I will also lose my health insurance which i desperately need. I need help, please! 

Thank you in advance for anything that you can do. 
God Bless You!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-19 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: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
I registered, couple years ago, to take some classes at XXXX College in XXXX ( Illinois ) and I should mysellf pay my tuitions of $ XXXX.Unfortunately, I did not take those classes. 

Later, I received a bill from the college and went to dispute with the college direction. I was told that I have to pay it accordingly to their policy. I asked to see the policy there was nothing backing their reason. 
On XX/XX/2016, a mail came from a collection agency in XXXX about this matter and wrote a dispute letter in between 30 days. I did ask again the policy backing the reason I have to pay the tuition for those classes. 
About 40 days after my letter disputing the debt, I received a mail from the agency said that they are still investing on it and they 'll be soon in touch with me. 
As of today, I have n't received the results of their investigations, the agency has already sent the report to XXXX and to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
RSI ENTERPRISES IS TRYING TO COLLECT XXXX DEBT FROM XXXX XXXX XXXX, THAT HAS A BALANCE OF XXXX THEY HAVE ENTERED XXXX SEPARTE COLLECTION REPORTS OF XXXX,XXXX,XXXX AS OWED ACCOUNTS. I HAVE A STATEMENT FROM XXXX XXXX SHOWING XXXX, THIS BALANCE IS FROM MY HEALTH INSURANCE COMPANY FAILURE TO PAY THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Delray Capital, LLC
State: NM

Complaint narrative:
I got a phone call from a woman from Del Ray Capital saying i took out a payday loan from the cash store. They told me they were an installment loan place. the lady told me i was going to be charged with a misdemeanor and go to jail as well get sued. she got very nasty with me yelling at me and reading stuff off of my credit report. she called me at my place of business i asked her not to and she said they could do whatever they want. I asked her to mail me documentation on her allegations and she said no she would just have my county proceed with charging me. I know my rights but for someone who doesnt know this could have been very scary. the amount she said i owe is more than XXXX of what i borrowed. i did make payments towards it when i got it as well. I hope they are investigated and learn that you can not talk to consumers in that way. threatening is no way to collect a debt, i worked collections for many years. i asked to speak to a supervisor and the rep proceeded to tell me she was the owner of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NRA Group, LLC
State: PA

Complaint narrative:
Called National Recovery Agency about a debt collection they reported to credit bureaus. I asked to have any info sent to me verifying that this was in fact a debt of mine, because I had no knowledge of the debt. NRA said ok, after trying to get me to pay the debt over the phone stating they would send proof after I paid. I refused to pay without proof. They told me I would get proof by mail 5-10 business days. Well its been close to a month and I still have not got anything from them, yet they still report the collection on my credit report.

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: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
I am showing a {$0.00} balance on my card Rushcard. I have a transaction which is not mine, for {$53.00} and although it 's not a lot, it was my phone and grocery money to the end of the month. I have a dispute number from Rush that was automated and here is that information. This is an automatic acknowledgement to let you know that we have received your inquiry. Your ticket code is XXXX. Please use this code in any further communication. 

If your inquiry is related to specific account information or transactional information please reply with the following authentication information if it was n't already included in your first email : First NameLast NameLast XXXX digits of your Social Security NumberRushCard has recently updated our automated telephone system with several great new features! If you call our toll-free number, please pay careful attention to the new menu prompts to ensure that you choose the correct option. 

You will receive a response to your inquiry within 12 hours. If your request requires more immediate assistance, please feel free to contact us at the toll-free number below. 

To check your account balance and/or recent transactions, please visit us online at www.rushcard.com. 


Thank you, RushCard Member ServicesXXXXXXXXXXXXXXXX have had no contact from Rushcard. I borrowed a friend 's phone and was on hold 2 times totaling 3 hours only to be hung up on. I have private messaged them on XXXX as they asked, and no response. Other numbers and updates have been rhetoric. I am unable to move my upcoming direct deposit because it was too late ( XX/XX/XXXX was the cutoff date & gt ; ). Thousands of posts are made to social media and to the co-founder of Rushcard only to be ignored. I need my money. Today is day 3 since I have eaten last.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Presto Auto Loans, Inc.
State: AZ

Complaint narrative:
Back in 2008 I obtained an Payday loan. I then had to file for bankruptcy and then it got dismissed. Most of my debt form that bankruptcy it appears on my credit report. I attempted to pay this off as it states on my credit report that I owe {$130.00} to clear this off. I called to pay this off and clear the debt. They refuse to take the {$130.00} that they are reporting and now they want me to pay over {$500.00}. I have all the emails and correspondence of this attempts to settle and their response. I then decided to go to the office since I thought I could be easier once I was there to try to settle this matter XXXX more time. This was not possible and instead they claim they will settle with me for the amount of $ 300+. I informed them that this debt has been since 2008 and it would soon fall off my credit report but that I wanted to make the attempt XXXX more time to settle. They are reluctant in any changes. What upsets me is not only that I am trying to clear this off but that they provide the incorrect information and they still are adamant about settling. Why do they report XXXX amount and then ask for another? They claimed that if I did not settle for the amount they are asking that they will NEVER clear the title on the vehicle. I do not use that vehicle but all I want is to remove it from my credit report to improve my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
I have 2 different deragatory marks on my credit report that I am disputing because they are false One on the XXXX end for {$3900.00} and one on the XXXX side for {$2100.00}. I have paid and continued to pay the direct hopsital on these bills that have since been reported on my credit. I am NOT DELINQUENT. I have contacted Gold Key directly to get assistance in having this lifted off my credit report and I never am contacted back, and was hung up on when I explained the error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: KS

Complaint narrative:
Rushcard took my money didnt allow me access to the internet or funds. I called ay least XXXX times anf could not get thru. When i did i was lied to repeatedly saying it was gon na be fixed soon. The stress has been undeniable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I am writing to inform the CFPB - and consumers around the world that : 1. ) Scottrade Financial Services was warned, on multiple occasions, from employees and outsiders, that their database and securities systems lacked the most basic protections - Scottrade Financial Services ignored these tips and as a result over XXXX customers has their most sensative personal information exposed in a very preventable cyber attack. 

For anybody who was a victim of this breach, a cybersecurity researcher, or a consumer policy advocate, you may obtain detailed documents of the multiple warnings I, and others gave Scottrade by submitting Freedom Of Information Act requests to the SEC, OCC, and CFPB for complaints made against Scottrade Financial Services. These complaints started XX/XX/XXXX and continue until XX/XX/XXXX. Keywords to help with the search may include, " cyberattacked '', " account takeover '', " hacked '', " XXXX '', " cybersecurity '', " unencrypted '', " stolen '', etc. A very limited number of these documents can be obtained by searching for " Scottrade XXXX '' on XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I was a XXXX customer until XX/XX/XXXX. On XXXX/XXXX/XXXX I received a letter from SourceRM stating that I owed XXXX {$36.00}. I called XXXX, complaining that they waited 17 months to contact me. I requested that they check their records, and after a 10 minute delay told me that I owed nothing. I checked my bank records to prove that I had paid the full amount of over {$60.00}, but they only credited me with about {$30.00}. If they were able to check their records and show that I had paid the full amount, why did they refer a {$30.00} past due notice to a collection agency? On XX/XX/XXXX I called SourceRM and the woman who answered the phone verified that my account showed " paid in full ''. Today, XX/XX/XXXX I received another letter from SourceRM reminding me that I owe {$36.00}. I 'm assuming at this point that it was mailed before I called them on XX/XX/XXXX. My concern is that many people would just pay the {$30.00} to avoid " a negative credit bureau record ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: FL

Complaint narrative:
I got a loan with Drive Time in XXXX till XXXX, I was never late or missed a payment. XX/XX/XXXX I discovered my payments history was not reported to any of the credit agencies. Initially Drive Time refused to fix it and that is when I filled my 1st complaint with Bureau Of Consumer Finance. Shortly after I was contacted in writing by XXXX XXXX B. 
please see letter attached ( although she had the wrong year on top of the letter ) She contacted me in XX/XX/XXXX not XX/XX/XXXX. In the letter she stated " we are only able to reinstate paid loans through XXXX, as they are the only credit bureau with the ability to do so. This update should reflect on XXXX XXXX 's credit reporting with XXXX within 30-60 days. '' I accepted her terms, however till this day XX/XX/XXXX, XXXX tells me they never received the information from Drive Time to report it. XXXX provided me with a copy of my credit report showing no evidence of Drive time being reported. I contacted XXXX XXXX XXXX office on XX/XX/XXXX, XX/XX/XXXX and XXXX, I spoke with XXXX different people and they all claimed XXXX XXXX XXXX was not available. None of them seem to know about the letter from XXXX XXXX B in XXXX XXXX and when I brought it to their attention, they all said XXXX XXXX XXXX will have to call me back. I find this completely irresponsible from Drive Time and I ask for mediate compliance as per the letter from XXXX XXXX XXXX, please see copy attached. 
Thank you

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 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services
State: OR

Complaint narrative:
I obtained XXXX separate private education loans from XXXX XXXX XX/XX/XXXX ( {$18000.00} ) ; XX/XX/XXXX ( {$20000.00} ) ; and XX/XX/XXXX ( {$11000.00} ). The Promissory Note for each loan indicates that the variable interest rate is calculated as the 3 Month LIBOR, plus a margin ranging from 1.70 % to 4.30 %, as " identified in my Disclosure Statement, '' adjusted quarterly. The Disclosure Statement is a separate document from the Promissory Notes, which do not state the amount of the margin applicable to my loans. 
My loans have been transferred to and are currently serviced by ACS Education Services. 

Despite multiple attempts, ACS is unwilling or unable to provide copies of the Disclosure Statements with respect to my loans and has indicated that they do not have copies of the original Disclosure Statements in their loan files. Written requests were made on XX/XX/XXXX, and again on XX/XX/XXXX. Multiple phone calls have also occurred in which ACS indicated it will request copies of the original Disclosure Statements from XXXX XXXX and forward them to me. Instead, ACS continuously resends copies of the Promissory Notes. 

Nonetheless, ACS is applying a 3.75 % margin rate to each of my loans without any documentation to support that this is the correct margin rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: The Leviton Law Firm, Ltd.
State: FL

Complaint narrative:
I was contacted by Levinton Law XXXX over a debt I owed with their client XXXX. Over the course of the past year I have attempted to make payments of {$300.00} per month to pay down my balance I owe. Each time, my balance has never gone down. I asked for receipts and they would not give them to me. They also would not give me a summary showing my payoff and each time the price would not go down. They have threatened to arrest me, to put me in prison, sue me and constantly abuse me. Today, they called to ask me to make a payment. They asked me if i can agree to take payments of {$50.00} per month and when I agree they stated OH you dont agree. I dont understand these mind games. I am just trying to pay my debt to power pay. I shouldnt be forced to deal with these ridiculous collection tactics. Over the last few months I have been unable to make a payment but offered several times to make some sort of a payment and each time I was told to pay in full the whole amount. It was not until I complained to power pay that I even got my real balance. They refuse to put any sort of payment arrangement in writing. It is like they are just gunning to sue me. When i tell them to stop writing me they continue to do it. They also threat to seize all my property and sell it at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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

Complaint narrative:
Hello, I have a student loan from my university that is serviced with ACS and had been transferred to them from XXXX XXXX. I have been paying on this loan regularly for over six years and am in good standing with all of my loans through XXXX, XXXX and ACS. Since this particular loan was transferred from XXXX XXXX, I have run into numerous issues. I often can not get onto the website to pay due to technical issues and site outages. I 'm currently working abroad, so being able to pay online is important. When I phone ACS, the line disconnects or it goes to an answering service- I am never able to reach a human being. Last month, I reached out to ACS via email to let them know the issues I was having and requested assistance. My loans have been late a few times in the past year due to these technical issues on their site and once again, I was trying to pay a loan and the website would not let me log in. I then requested that ACS set me up for automated billing, as I can not continue to worry about whether or not the payment functionality on their end will work. Instead, ACS sent me a notice that I had applied for a Forbearance- I never once asked for a Forbearance. I emailed them again to let them know that I had asked to be enrolled in automated monthly debit and that I had not applied for Forbearance, and I requested that the matter be corrected. I have not heard from them on this. It also looks like my last payment has been processed two weeks after the fact. 
My complaint is not about paying my loans- I pay regularly as I have for many years, despite my frustrations at never seeing my loan balance decrease, and am fortunate enough to be able to afford student loan payments at this time in my life. My complaint is that I am unable to work with this student loan company, ACS, because they : a ) do not have a working and functional website b ) do not answer the phone, c ) make errors in my requests and d ) are not reliable in responding to emails. As of now, I do not know where my loans stand with them since they are apparently processing a forbearance that I never asked for. What are my options here?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services
State: CA

Complaint narrative:
I was told that after XXXX on time consecutive payments, my co-signer would be released from my loan. I made the XXXX on time consecutive payments but my aunt was not removed as my co-signer. They told me that she could not be removed because it was based on my credit at the time. I asked them to provide me with a copy of the promissory note showing this information. They have not yet provided me with a copy of the promissory note and that was approximately XXXX years ago that it was requested. I need someone to help me because I am unable to get anything done with this loan servicer. This is just XXXX of the many problems I have ran into with them. I need help with many other things but thought I would start with the most important. I need my aunt removed as my co-signer like they stipulated in my promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: DriveTime
State: TN

Complaint narrative:
on XXXX we bought a car from drive time and until XX/XX/XXXX the were reporting our credit history to all XXXX credit bureaus and since XXXX there has not been any records shared with any of XXXX credit bureaus we have been trying for months to resolve this problem with no success this is hurting our credibility. after we finnish payingfor this car we will have spent {$21000.00}. please help us and get drive time to report all of our payment history to all XXXX credit bureaus like the said they would do.

Company response to consumer: Closed with explanation