vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I 'm unaware of this debt. I 'm XXXX and homeless. 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 2016-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: VA

Complaint narrative:
I have been trying to get my loan that is currently consolidated with ACS-Education Services to be transferred over to XXXX which is the student loan forgiveness program through the government. They will not release my information to the company, I have made many attempts. I have even made a complaint to the XXXX Group who is still trying to retrieve information from them with no success. They keep raising my IBR payments when I submit my paperwork or they lose it and say that I have n't sent it in. I have really had a hard time with this company for some years now and it seems that I 'm not the only XXXX. I am in a waiting period to see if the Ombudsman group can find out whats going on. In the meantime my information is not being put in the system correctly when XXXX has tried to retrieve the loan or they keep changing my status. I have been billed for this month on the XXXX but for everything that I have been through I feel that I have to refuse to pay until they release my loan to XXXX. I 'm on here because I do n't want ACS to mess up my credit while going through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: IL

Complaint narrative:
Have n't received any direct deposits in 4 weeks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-08 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
I applied for a RushCard XX/XX/XXXX, XX/XX/XXXX it was my first time using the card for my payroll DD. Their system shows that my deposit posted on XX/XX/XXXX however, I never received it as an available balance. I have made several phone calls to their Customer Service department with still no resolution. I am not able to pay my rent, my utility, or my car note. I 've also made several attempts to speak with XXXX XXXX on social media channels, he just asked for my information and nothing was ever done still. XXXX his colleagues by the name of " XXXX '' contacted me last week Thursday assuring me that my funds would be made available that day and still my money is not available, and all his customer service department can say is there is a system glitch and they have no timeframe for a resolution. I have a XXXX daughter I just want what 's mine, what I worked hard to earn. He continues to say on social media the concern is resolved when actually it 's not and that 's a blatant lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was contacted in regards to a debt that is not mine. I have written several letters and after further review of the FTC guidelines decided to go through the proper channels and have an FTC Affidavit notarized. I sent it certified but this company keeps calling me at work and home. Please help me get this resolved. 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 monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
There was money added and fees that where never authorized and then fees and withdrawls not authors and then denied access to funds after applied and then account closed and a new card issued without authorization or my funds

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
I have been with Rushcard since XXXX, and this year as been the worst experience I have had with this company. In XXXX of XXXX I received XXXX fraudulent charges from XXXX different XXXX in GA within a minute apart. At the time of the charges I was at work in XXXX, FL. I contacted Rushcard and reported the charges. They advised me I had to fill a form and send it back and after 10 days I will receive a provisional credit. I received the credit. Fast forward to XXXX XXXX and i was charged again for the same charges, being advised that they did not find anything wrong with these charges, but they can not advise me of their finding or anything. Every time i call i am being advised of misinformation from the reps, they are not nice and do not care. They have an oh well attitude. I also received a new card and for the past 3 days I am unable to access any funds from card because the security code on the back of the card is not good. I spoke to someone on XXXX XXXX, XXXX at XXXX and they advise that they will be expediting my issue to corporate so that they can manually activate the card and it will be completed in 24 hours. i called back later that day to check the status and i was told that it was never expedited and they were doing it then and that was at XXXX. I called back on Friday and was advised that it takes 1-2 business for expedited issues and Monday was holiday so my issue will not be resolved until Tuesday or Wednesday. So now i have no access to my money, or direct deposit. I am unable to buy food for my child, put gas in my car, purchase my child 's medication or pay my cell phone bill because the people at Rushcard keep telling me sorry for the inconvenience. Currently my cellphone will be off because i have no access to pay for it and my life is going downhill because i can not pay my bills. and they are basically telling me i have to go almost a whole week with NO MONEY!!!!!! That is not fair and that is not how you treat customers. This as cause me so much stress and grief that i do not know what i am going to do and no one there seems or want to help or attempt to help or care about the fact that i have a child that i need to take care of and i only have {$2.00} dollars to my name and i am a single parent. I would not recommend this company to no one because when it comes to solving problems they are not good at it and they do not care that you have a life as well and everything as to be done with sending an email. And their phone system for some reasons always hangs up on you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 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 Rushcard user who can not access my account. I previously had XXXX dollars in my account before my direct deposit got transferred into my account and my balance remains at XXXX. When I call the number I get put on hold for more than an hour each time then someone gets on the line and tells me they can not tell me anything about my Account. At this moment my car is at risk of being repossessed because o was not able to pay my monthly car note.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: CT

Complaint narrative:
Rush Card deducted {$500.00} from account for bill pay, but has never delivered. I am allegedly one of many people having this issue. They stated last week that they would be returning funds within 2-3 days, but nothing thus far. View of current statement shows a decrease of {$500.00} in the balance with no explanation. Calls and emails not being answered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: NV

Complaint narrative:
On XX/XX/2016 I sent National Recovery a certified letter asking them to verified this debt that is appearing on my credit report. As of XX/XX/XXXX, they have not responded to my request or mark my file that this item is being disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Michigan Mutual, Inc.
State: CA

Complaint narrative:
We have a mortgage in California. We are in a flood zone and do have a flood insurance policy that we have always paid on time. We recently refinanced our mortgage and it funded without issue. 3 months later, our mortgage company is claiming that we have to have our food insurance impounded with our mortgage payment, that it 's the law in California and this law went into effect XXXX/XXXX/16. We had a mortgage through another lender and have never been told that we had to have our flood insurance impounded, nor did we. 
We have current flood insurance that is fully paid for the year and we do not want to have our current mortgage holder try to charge us late fees or ruin our credit over this. How do we proceed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: MD

Complaint narrative:
I have been locked out of my Rush Card account direct deposit since XXXX/XXXX/15. XXXX XXXX explained to me they are the bank but XXXX XXXX is over the prepaid card. No real person answers the phone line, I get automated response when I email to company, the phone line is stating my card is not activated. I have not spoke to no rep from that business as of yet I am unable to pay a bill, eat, get medication buy gas for my car, my phone will be cut off, my rent, my utilties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc.
State: LA

Complaint narrative:
I am Low Income and on XXXX. I telephoned Delta Management collection agency to inform them that I would like to rehabilitate my loan. First they tried to talk to me into a discharge. I explicitly informed them That was n't my best option and I knew my rights. this went on seemed like XXXX minutes and they finally agreed to send me paperwork for rehabilitation. So I gave that seven days for that to reach them by post mail. I called them and they chose to give me the run around again. I then had to call XXXX because somehow my account was suspended for XXXX days. they said I had to call XXXX. At which point I did and XXXX was even fruststrated. XXXX then told me I have the right to do whatever I would like to do in regards to my loan. XXXX then directed me to call the department of education inorder for the XXXX to contact delta management to get my rights addressed and my loan rehabilitated. Now the D.O.E just tells me that XXXX XXXX can take care of everything I need to rehabilitate the loan and that XXXX XXXX are the ones who have the right to choose not to honor the suspension and go ahead rehabilitate my loan. So I called XXXX XXXX and was hung up on mid conversation. I then got in touch with a supervisor haworth who told me I had to call XXXX or the department of education. called everyone twice and they all had me calling the other .wether it be XXXX, XXXX. or Delta Management. This went on for over an hour and still nothing is resolved. So I then get back on the phone with XXXX and they give me an address to D.O.E to write them a letter to get off a XXXX discharge program. in which I never wanted to be on. they say it 'll take XXXX days for that to go through. I just wanted to rehabilitate my loan. 
I spoke with XXXX XXXX at DELTA MANAGEMENT Associates XXXX XXXX is also with Delta Management Associates on my File. 
I spoke with XXXX XXXX at XXXX. debt colections division and she tells me just send me the agreed amount of rehab payment. with no rehabilitation aggreement .And it is my understanding XXXX. can not accept any monies unless it 's full amount of loan once it is in possesion of collection agency. I Informed XXXX XXXX that i was contactiong CFPB and she says to me well let me write a little note about advising me that I can hust sent the rehab payment amount to them YOU DO NOT HAVE A DESCRIPTION OF MY ISSUE. But falls under Communication Tactics. Dis regard frequent or repeated calls to me by them. But I am the one who made repeated calls to them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
I put money on RushCard, my entire paycheck, and a few days later my card was declined at the store. I knew I had the funds so I called them to find out what the issue was. The money was there but without my permission or knowledge, RushCard blocked my card. This is something they claim ca n't be undone. I had to wait to be sent a new card and in the meantime, no money. Nothing. I get XXXX cards delivered and they ca n't activate either after being assured by a supervisor that activation would n't be an issue. Time it takes to notify corporate to manually activate a card? A few BUSINESS days ( the exact number dends on whow i talk to ). While I wait, my card remains blocked. While they try to figure out THEIR issue, they still refuse to unblock my card. They have the most non-caring, ignorant cust srv reps that I have ever encountered in my life who ca n't half speak or understand XXXX. They apologize, that 's it. That. Is. It. Escalated issues are not handled there but at corporate office and you ca n't find a phone number or address or get it from the cust srv. They give you an email address, not to corporate, it goes back to them. It is scary that people that essentially steal money are allowed to do business in this country. As of today, I still do not have access to my own money. When I call, I continue to get the run around and the number of different updates I 'm given on my account depends on the number of representatives I talk to. I need my money for groceries, bills, gas and no one should have the right to put me in a position where I ca n't pay my bills and access the money I worked for. RushCard caused this situation, as well as others and as usual they are n't doing a thing to rectify it and THOUSANDS of others will and have experienced thsee same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: AZ

Complaint narrative:
unable to acess funds from the rush card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: WA

Complaint narrative:
I think this is my wife 's loan. She did not tell me about this loan. She had loss her business back in 2012 and we then had limited income. I was then the sole income earner. She was later sued from another company for {>= $1,000,000}. We had to get an attorney, which cost is thousands of dollars and this dragged on for over two years. 
She was not able to win and we had to come to a settlement with the other company.

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 2015-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade Brokerage have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade Brokerage account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade Brokerage but was not supplied with an original account agreement. I signed up for the accounts XX/XX/XXXX, however, Scottrade Bank and Scottrade Brokerage provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XX/XX/XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade Brokerage use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade Brokerage provide me with the corresponding and original XX/XX/XXXX version of the sign contract and not a XX/XX/XXXX version that is materially different. 

Sincerely Yours, XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2017-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Delta Management Associates, Inc.
State: TX

Complaint narrative:
I received contact from my next door neighbor that XXXX XXXX of Delta Management contacted them regarding my debt purposely to humiliate, embarass, and intimidate me. I have lived in the same home for 17 years and have had same job for 17 years. I do not socialize with my neigbors. Thery are neither responsible for me or privy to any of my information. 
In addition, my XXXX children have been contacted via mobile ph. after being advised repeatedly.

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: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
debts were paid in full with one payment months ago and still show unpaid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
The purpose of this letter is to inform you that I disputing my debt with Ability Recovery Services XXXX LLC of {$2000.00}. The debt that I owe originated from XXXX University XXXX " the School '' ). The reason why I am disputing this debt is because my outstanding debt to the school is {$1600.00}. However, upon receiving a collection notice from the Ability Recovery Services XXXX LLC ( " the Company '' XXXX, the outstanding debt increased by {$400.00}. 

On XXXX XXXX, 2015, I spoke to XXXX XXXX XXXX a representative of the Company to request the actual amount I owe to the School. During my conversation with XXXX XXXX, I informed her that the collection amount sent to me was incorrect and that I was told by the School to ask them how much they were charging me over and above my outstanding debt. XXXX XXXX 's response was that her company was not going to disclose that information as I did not have a need to know about my outstanding debt and that the Company had a right to profit off of me. After writing the attached letter to the Company on XXXX XXXX, I received an Account History Report from the Company on XXXX XXXX, which I have included. 

There are few issues that I would like investigated. The reason for the investigation is that I believe the Company is conducting an unethical business. 

The XXXX item I would like you to investigate is the excess charge of {$400.00} over and above my outstanding debt with the School. The XXXX issue deals with the threats and harassment by XXXX XXXX. XXXX XXXX became threating and started harassing me during the conversation in which she told me it did not matter that I was working with the School as they were going to report my outstanding debt to the credit bureau regardless of the efforts I was taking to address my debt. At that point, I asked to speak to a manager and was not allowed to do so. In fact, XXXX XXXX told me that was not going to talk to me and that they had no reason to do so. She proceeded to hang up the phone on me. 

In closing, I am still striving to work with the School to see if we can settle my outstanding debt and set up payment arrangements.

Company response to consumer: Closed with explanation