vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
I had my payroll check being deposited to the Rush prepaid card which is done every other Friday it has been 7 days since my deposit & I have not been able to get my money off of the card. The company says they had some type of software glitch so it 's happened to thousands of customers however the CEO XXXX XXXX ( very well known XXXX or XXXX ) has taken up all social media outlets saying the problem has been rectified yet I still have no access to my funds. I 've literally called their XXXX number probably XXXX times everyday just to be told that I should be able to get my money within an hour yet each time that has failed. I call the XXXX number again just to be placed on hold for XXXX hours then hung up on. I 've emailed, sent messages via XXXX, XXXX, etc per what they 're telling us to do on the XXXX yet nothing has worked. I work hard for my money & have several severe medical issues which causes me to take medicine that I have n't been able to afford to get. So it 's been a week since I 've had my medication I 'm literally praying that I make it through each day. Please help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SQUARETWO FINANCIAL CORPORATION
State: FL

Complaint narrative:
Defendant gave debt to collection agency who could not verify debt and bowed out and deleted negative info. Defendant went ahead and acting as their own collection agency never contacted me per law put negative info on account XXXX/XXXX/2014. Ignored request for info and after 30 days per FCRA sent desist letter which they ignored. State of Florida requires all collection agencies etc to be licensed which they are not. All contact ignored.

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

Complaint narrative:
Have n't been able to access my money on my rushcard nor have i been able to see if anything has been deposited its been twice this month I 've had this issue and i know its due to rushcard switching services. Its a great pain that needs to be handled i need my money asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
misplaced credit card.. -but found credit card .. call for a replacement never received replacement and this had been since XXXX/XXXX/15 spoke to a person on the XXXX/XXXX/15 and said I will be receiving XXXX on either XXXX or XXXX did n't come ..also spoke to a person on XXXX and said to call back on XXXX for a routing number for a card but did n't get threw. The number that RUSH card has do not work their always busy and when they answer they put you on hold for at least XXXX hrs. -- no XXXX customer service .. the only time they are reachable is XXXX ; XXXX in the morning ..I have sent a couple of email which take at least XXXX hrs. to be answers but the website says a it a XXXX hrs. turn around. I just want a replacement card my payroll check is deposited on this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: MS

Complaint narrative:
Rush card shut down are glitch been almost 2 weeks still ca n't access my money they block my old card I had to pay {$30.00} for a replacement card that was ship over night card arrive today an still ca n't activate to have access to my money it 's so many complaints balances wrong on account no help they said d m them on XXXX an community @ Rushcard no feed back are card they are ripping us off been with the company for years an this sad so many people are loosing everything due to this so call glitch are computer hack an XXXX XXXX seems not to care claiming they are working XXXX to address this issue this been going on for almost 2 weeks I need my hard working money can you guys help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
I am a Rush Card customer and my direct deposit from my payroll check is missing. It was never deposited into my account. Friday XXXX XXXX 2015 the Rush Card Company claimed that all direct deposits would post but it did n't. Its been XXXX weeks since the company claimed they had a update glitch but funds are still missing and the problem still is n't fixed. I really am hurting by not receiving my check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: PA

Complaint narrative:
I was billed for services never received and charged for a high end toothbrush I never received and the dental office fabricat d statements for dates I never visited the office. The account was placed in collections and they claim the balance is due.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: CA

Complaint narrative:
Over the past six months, I have received three telephone calls from National Recovery Agency, claiming I owe {$20.00} to XXXX, dating back to XX/XX/XXXX. Each time, I have requested a printed information as to the debt, which I would be happy to pay, if indeed I owe the {$20.00}. The NRA file # is XXXX. For one brief period, I did receive medication from XXXX XXXX, and during that time the company had my credit card on file. Subsequently, my insurer changed my prescription supplier to XXXX XXXX. As a result of the NRA calls, I contacted XXXX XXXX, which was quite helpful, and it went back through its records until XX/XX/XXXX, and could find no evidence that I owed the company anything. I do not know what to do. I am being harassed over a {$20.00} debt, which apparently I do not owe, and NRA will not ( as required by law ) provide me with a copy of the evidence of the debt. As an individual with a XXXX XXXX, for which XXXX XXXX briefly provided medication, this is not very good. I am not supposed to be getting stressed. Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
I am a rushcard holder, and two weeks ago there was some type of glitch with their system once they upgraded their technology. Because of this, I was unable to gain access to my funds that were supposed to be direct deposited the day before. I also was not able to reach anyone at Rushcard for several days, and still have been unable to reach anyone as of today. 

This caused my bills to be late, and I am now trying to play catch up on the expenses that I had during that time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: SC

Complaint narrative:
I have a Rushcard prepaid debit card on which my XXXX funds have been deposited to for the past XXXX years. As of XXXX XXXX I started having problems accessing my account. I understood that the company was having computer issues. I have made a total of XXXX calls to Rushcard with only XXXX calls actually connecting to live people after hours of being of hold. When I spoke with the first representative, I explained that my account balance was incorrect and that their were pending items on the account which were actually paid on XXXX XXXX, 2015. She checked the account and confirmed that I was correct. She stated that she would put in a request for corrections to be made. After 3 days the balance was still the same so I tried calling again. The XXXX representative confirmed that I had called in before and that there was indeed a problem with the account. She told me to hold for a supervisor. The supervisor stated that she would expedite the request for correction. Today is XXXX XXXX, 2015 and it still as not been corrected. I made my last call today about an hour ago. I was told that the balances on the computer and the ones that were being given by the automated telephone service were incorrect and that to obtain a correct balance I needed to go to an ATM. Well, that did n't work either. My amount that is missing from my account is small, but when you are on a budget you need every cent. I have since had my direct deposit stopped, but I would like to have my balance corrected and the remaining funds made available to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: WI

Complaint narrative:
I have no access to my money on my rushcard. I have been unable to receive my money since the XXXX of XXXX. Rushcard systems have been down and I have no way of paying bills, buying grocerys, or getting around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Brokers Inc.
State: TX

Complaint narrative:
I have contacted this company in writing twice as well as through the XXXX demanding debt verification from the collection agency. They did not respond within 30 days stating they needed more time to verify the debt as required by the Texas XXXX. They sent only a bill via usps, not the complete debt verification as requird through the Texas XXXX. Account brokers has consistently violated the Texas XXXX XXXX, as well as ignored my demands XXXX. 

I dispute the validity of this entire debt. I request validation of this debt per Texas XXXX XXXX. I have disputed this debt with the credit reporting agencies and you continue to validate it without providing the information I have requested. Please note XXXX are bonded in the state of Texas and are required to comply with Texas XXXX XXXX if you fail to meet code requirements. 
Delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. XXXX ( d ) ( XXXX ) For the purpose of validation provide me with : The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceAny fees added by your agency. Sec. XXXX ( a ) ( XXXX ) Texas Surety bond information as required by Sec. XXXX am invoking Texas XXXX XXXX XXXX CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. 
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. XXXX ( a ) ( XXXX ) Please reply with your response vis XXXX MAIL. 
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. XXXX. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: SC

Complaint narrative:
I have a rushcard ... they were having some kind of technical work done on the cards I guess switching them over XXXX, now I 'm unable to use my card that my child support payments are deposited on. I need to know when will I be able to use my card again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade does not properly protect confidential information. Specifically, and according to Scottrade 's CIO, in XXXX and XXXX, Scottrade experienced a data breach which effected roughly XXXX XXXX customers. This is a huge problem in its self, however, Scottrade 's handling of the situation is even worse. 

Scottrade released a press release that seriously construed the facts and made it look like only Scottrade Brokerage customers were victim of the attack. However, this can not be true. According to this link, http : XXXX, as well as Scottrade 's own documents, Scottrade Brokerage only has XXXX XXXX customers, less than the XXXX XXXX customers who were hacked. 

As a result, Scottrade has deceptively shared false information and adversely effects individuals who were customers of Scottrade Bank and or former customers of Scottrade. These XXXX categories represent nearly XXXX or XXXX XXXX customers in which Scottrade failed to notify and false stated that they would have no problems. 

I am writing today to complain, specifically, Scottrade purposely sent out false information and is refusing to contact all of the individuals who has their personal information compromised.

Company response to consumer: Closed
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Brokers Inc.
State: CO

Complaint narrative:
Account brokers of XXXX county picked up a debt of medical bills that my insurance was suppose to pay but did n't. The bill was under XXXX dollars but they sued me for it and added XXXX dollars for that. That increased the debt to over XXXX dollars with interest I paid them XXXX dollars then about a month and a half later they send out a wage garnishment and added XXXX dollars for that even though I was paying then. The garnishment paperwork says they are now coming after over XXXX dollars off my wife 's wages!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Franklin Financial  Corporation
State: WI

Complaint narrative:
The issue that I am having with the financial institution is that I have a verbally told them to not contact me at my place of employment XXXX separate occasions and they are still calling my employer also as well as verbally telling them I did draw up a cease-and-desist paper explaining again demanding them to stop contacting me at my job and today, they called my job again and left a detailed message on the voicemail. My boss is writing me up, and is on the verge of ending my employment. Along with that, they have sent a copy of my vehicle title to an unauthorized reference through email, this reference is NOT listed on the loan and therefore I feel it was a gross violation of our privacy policy. Also, a reference I listed has been continuously called and harassed by Franklin Finance, even after telling them the calls need to stop, they still call him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: IN

Complaint narrative:
I currently have a rush prepaid account. They guarantee you receive u money two days early and nothing has been posted to my account. I was locked out my account and hung up on enormous amount of times. I currently live pay check to paycheck and can not afford this inconvenience at the time. I call my hr department at work but they said it has already been deposited. I will be canceling my card once I receive my money. They could n't even tell me where my money was since the check is deposited but not in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-17 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:
As I was checking my credit score. I saw the debt collectors ( GOLD KEY INC ) send a medical debt of {$710.00} I was not aware of.The debt agency did not contact me to dispute the matter in order to see if there can be any arrangement made to have the debt paid off. I received no phone calls and there was no form of contact made to informed me of the debt. I'am filling a complain due to not receiving notice of right to dispute and also for not receiving any letter via mail concerning the debt. I'am willing to work with them in compliance, if they are willing to work with me to have the debt remove from my credit report profile. Thus affecting my credit score. I 'm seeking help because I feel like it was unfair to me due to the fact that I receive no form of letter informing me of the debt or trying to reach me via phone to discuss the matter. 
Thank you!.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
Could n't use card with my payroll on it to pay my bills and buy things that was needed for home, i had late fees to pay and my phone was disconnected because of rushcard

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
I have a rush card and I am unable to access my funds since XX/XX/2015 I am a single parent and I am in need of my funds I reported this issue to my employer and my employer stated my funds were already loaded to my Rush Card when I call customer service for Rush Card the first time I waited XXXX hour and XXXX minutes to speak to a representative this was on XXXX XXXX they stated they were going to issue me another card and I should receive it no later than 7 days, to this date I still have not yet received my new card. I have called customer service to check on the status of my account to only be hung up on numerous calls. I am frustrated that no one can help me with my questions I can no longer be without money.I emailed Rush card and no one has responded back to my concerns.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAC Financial Corp
State: FL

Complaint narrative:
I have a false medical collection on my credit report from CAC FINANCIAL CORP, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, Phone : ( XXXX ) XXXX. It is for a doctor 's visit in which my regular doctor was busy playing video poker to see me so a nurse stood in and doubled billed my insurance and she lied and billed me as a specialist. Her name is XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I have contacted the collection agency and I have contacted the billing department for the crooked doctor 's office and so far they have n't corrected the fraudulent claim. Attached is the fraudulent XXXX bill and a copy of my usual bill. I paid the XXXX bill the first time at the office the day of the visit, I did n't learn of her attempt at double billing until I received a email stating the collection was on my credit report a couple of weeks ago. I have been trying to get everyone involved to fix this issue.

Company response to consumer: Closed
Consumer complaint received 2016-08-26 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: SQUARETWO FINANCIAL CORPORATION
State: CA

Complaint narrative:
I continue to get debt collection notices from CACH , LLC, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I have repeatedly told them they have the wrong person! Pursuant to my rights under federal debt collection laws, I requested in many certified letters that CACH LLC cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' I want them to decease letters to my residence of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX They only verified name and address and started sending notices. I am not XXXX, my birthday is not XXXX/XXXX/1950, and my SSN is not XXXX. Stop the harassment and compromising my identity and credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested my report individually from Experian, XXXX and XXXX 
I have only received a report from XXXX. XXXX XXXX requested additional information after I provided to all XXXX of them my DOB, SS #, address, and enclosed a copy of my drivers license, my social security card, a water utility bill and a copy of my pay stub. Experian I never even heard back from. It has been more than 30 days since the original requests were made. 
I am now doing ANOTHER request through annual credit report but so far it is impossible to find what must be included with the request. 
Finally, I have to go through this written request process EVERYTIME I want a credit report because they ALWAYS have some of my Dad 's ( I am a XXXX ) information on my credit report so I CAN NOT answer the questions for identification. It 's has become a ridiculous pain in the XXXX to access my credit report especially when after providing more than the required documentation XXXX XXXX requests more of the exact same information and Experian does n't even deign to reply.

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 non-monetary relief