vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Signed up for a {$400.00} checking account signon bonus in XX/XX/XXXX. As of XX/XX/XXXX I have yet to see the bonus credited. From day 1 I should have realized banking with Citibank was a mistake as they took forever to put in my initial deposit which was in the online application, but somehow overlooked. A trip to the branch could n't even get the initial deposit completed and I had to personally call their XXXX number to get it done. Citibank also had very poor handling of new accounts created online and never sent out any confirmation of account opening. Now come XX/XX/XXXX and I 've been patiently waiting for their bonus which they say they will credit, but they keep sending the issue to research and it is yet unresolved. First they say they do n't have a XXXX form, which I filled out within two weeks of opening the account and handed personally to an account representative at their local branch. That means their online banking entity is completely separate from their branches or their system is so poor that they are n't in sync. I mailed another form in and after calling them they confirmed that they received it but still waiting for that bonus to be funded. A week goes by and now it is high priority researching status again. My experience with you shows you are unprofessional, unreliable, have poor communication, inefficient, and not trustworthy to do business with. No way do I want my money in your bank. Citibank you have totally lost me as a future customer.

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 2015-10-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Empowerment Ventures, LLC
State: MA

Complaint narrative:
I am a rush card customer and I called to replace a card. The first time I am replacing a card. I was charged a fee when I was told I was n't going to be. so I called to dispute the XXXX $ fee I was told 1-2 business days it would be removed it has been a week it is still there. This is after I had to argue with a lady to tell her that I have never replaced a card before because she kept telling me I did, when the previous person had confirmed with me that I had not and it would be sent free of charge. I also needed to dispute a charge that was charged twice and they sent me the dispute paper I faxed it and they do n't know if they got it. I was calling for 3 days the phone kept ringing and hanging up telling me my social was wrong, or would just keep me on hold and hang up or would n't ring at all. This morning XXXX/XXXX/2015 I attempted to call and it keeps hanging up. I have been waiting for a replacement card for 11 days. I received the dispute paper that I requested after a replacement card. My direct deposit has not come in on time and they said they have n't received it when all of sudden the week of the outage the direct deposit is late. I can not get into my online account because it was locked I do n't know why, I cant reset it because I am still waiting for a card so I have no idea how much money is in my account now and there is n't anything they can do. This is very unprofessional if you do n't have the money or technology required to do a update do n't do it because XXXX customers are dependent on you for a means of living. This is sad, a XXXX owned business that I truly believe was great has turned into a major disappointment. XXXX XXXX get it together. Praying for those affected ARE YOU KIDDING ME? We are n't dying but who knows someone might since they cant access there funds for medicine or even food. My heat payment is late and there is n't anything I can do. You said you will call people if the DM you on XXXX that they are still having a problem! What difference does that make because they would be talking to you? Like come on this is serious! you have money, and you created rush card for those that you believe needed the help now what do you call this! SAD! Get it together!!! UNCLE RUSH!!! The apologizes, prayers and promises do not improve anything.

Company response to consumer: Closed with non-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: MA

Complaint narrative:
I ca n't access my funds with RushCard

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

Complaint narrative:
I have not received money from Rushcard

Company response to consumer: Closed with monetary relief
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:
According to the Fair Debt Collection Practices Act ( FDCPA ), a company is required to verify a debt using documentation held within the businesses or their affiliates. 

I would like Scottrade Bank to provide verification of any debt that Scottrade Bank or their affiliates allege that I owe. 

According to the, Fair Debt Collection Practices Act ( FDCPA ), Scottrade Bank and their affiliates are required to provide this information promptly.

Company response to consumer: Closed
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: FL

Complaint narrative:
My direct deposit has not posted and it was sent to Rushcard 3 days ago, my water has been turned off, my phone is going to be turned off, we have no food for the week end, I have XXXX children and a XXXX mother, Rush card system update was more of a Downgrade. 

I have no money and now everything is becoming late with additional late fees added.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade : On page XXXX of the attached draft letter, my son warned your compliance and security department that you were storing security questions in plain text and allowing them to be transmitted via plain text as well. 

I am writing today, considering the recent Scottrade data breach to seek clarification of what items were encrypted and what items were stored in plain text. 

For example, in Scottrade 's notice to security breach victims, Scottrade advised clients to take appropriate security measures such as changing passwords, however, there is no recommendation on changing secondary security questions. 

Because the secondary security questions were stored in plain text, I assume they have been breached, thus, I am curious as to why Scottrade has failed to advise customers to change these questions as well as take additional action such as getting a new account number.

Company response to consumer: Closed
Consumer complaint received 2015-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK

Complaint narrative:
Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX Time ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain, in a public forum, why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 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: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I have a collection account on my credit report that show Commonwealth Finance is handling for XXXX services. I have requested several times for the said business to send me documentation of the said debt. I spoke with a representative on XX/XX/2016 stating that this debt was not mines and that I had never been notified of the debt. I also communicated to the representative that they had the wrong address on file and he claimed that I would receive a phone call/letter in mail regarding the debt. I called and spoke with a representative on XX/XX/2016 stating that I have not received a phone call neither have I received any documentation by mail. I have been disputing this debt for some time now and still have not be able to get the matter resolve. Still have not been able to receive any documentation showing I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
Commonwealth Financial System - A Debt Collector has put negative information on my credit report for a bill that should have been paid by VA. Almost ten years ago I went to a VA Clinic because of XXXX XXXX XXXX ( XXXX ). When I arrive at the clinic they were concerned that my XXXX and called an ambulance to take me to the nearest hospital. I told them that I would drive to the hospital myself but they insisted that it was n't safe and I must go via ambulance so I relented and was transported by the ambulance the called to a nearby hospital. Several months later I started receiving bills from the ambulance carrier because VA had not paid the ambulance. My wife contacted VA who agreed that the trip was initiated by them and would therefore be covered. Months went by and the bills started again. Again we contacted VA to request that they pay the bill. After nearly a year of going back and forth with them they explained that this coverage had not been paid because VA had restructured and this benefit was moved to a different department. We had to start the process over with them. After many months and tremendous frustration VA agreed again that they would cover the ambulance ride. We believed that after 2-3 years of working through the bureaucracy that this was finally taken care of. In XXXX of 2016 according to my credit report Commonwealth Financial System a Debt collector is trying to collect on the ambulance ride provided by VA again. I explained all of this to them but they are unwilling to remove it from my credit report. I asked them if they had anything signed by me saying I was responsible for the debt. They said " no '' but they are not going to remove this fraudulent collection unless I pay the bill. I am a vet who 's credit is being hurt because VA has not paid has somehow not paid a bill that they created and Commonwealth Financial System is holding me hostage for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Creditors Specialty Service Inc
State: CA

Complaint narrative:
Received notice of attempt to collect a debt ; performed due diligence and called the agency to dispute the debt ; the Debt Collector then communicated that there was a mistake it was a different Company who was seeking a collection. I explained that the company had been partially paid because due to incompetence on their part a larger debt was incurred and via email had been notified that unless the credit card payment was returned the matter would be considered closed and paid in full ; the collector then verbalized that, that could only be done via a check as payment, then threatened to have me served tomorrow at my address ; I then communicated that, that was illegal as I had not even received proper notice and the opportunity to dispute the debt based on my documentation, the debt collector then began to belligerently insist that there was going to be a suit filed tomorrow, that I was going to be served at my residence, he was going to file the suit before I had the 30 days to dispute the debt ; even thought this particular company had the wrong debt attached to my name. When I informed the debt collector that such actions could not be taken until proper notice was completed and the my right to dispute the debt process completed a law suit could not be filed. The collector kept taunting saying Oh are you upset now when I repeatedly communicated I was not upset that I had just been to XXXX again belligerently trying to have me become emotional he told me to go back to XXXX and practice that XXXX stuff ; XXXX XXXX communicated that his boss wanted to speak with me, I again verbalized I knew my rights and recompense under the law to the second debt collector who did not give me his name much of the same belligerent threats of filing a lawsuit ensued at which time I repeated that I had not even received proper notice he kept repeating he was going to serve me tomorrow if he wanted to and the debt would be over {$500.00} by then, I repeated I knew he was not within his rights to do so until proper notice, and my response process was complete he hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
Ditech LLC assumed our mortgage in XXXX XXXX. They have now raised our escrow payment by {$140.00} per month despite the fact that we have had an overage in our escrow in past years under a different service company. Ditech has established a required beginning escrow balance of XXXX, which is not consistent with our original loan. Our current escrow balance is {$980.00} after paying hazard insurance for XXXX in full. The only amounts that remain to be levied are monthly PMI and property taxes that the XXXX Assessor 's office predicts will total {$3300.00} in XXXX XXXX. The company claims an anticipated {$4700.00} property tax bill. In 15 years, our highest property tax bill has been {$3800.00}. I have been unable to speak to anyone to correct this clear error in determining our escrow payment. This seems to be a continuation of bad practices engaged in by this company when it was Green Tree.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, 2015 I was transferring {$350.00} to a friend XXXX. My friend and I decided it was wiser to meet and exchange funds so the transaction was Cancelled. The debit of {$350.00} came out of my BB & T checking account. It took until XXXX XXXX, 2015 for a credit of {$350.00}. to appear. I was charged {$72.00} in return item fees on XXXX XXXX XXXX My account would not have overdrawn had the {$350.00} been in it XXXX. After daily phone calls to both BB & T and XXXX and many XXXX calls XXXX it was decided on the phone with BB & T on XXXX XXXX that a claim would be put into Escalation to return the return item fees ... A process I was told takes 24 - 48 hours. On XXXX XXXX I again called. Not only had the {$72.00} not been credited to my account but another {$36.00} overdraft fee was charged ... My account would not have been in negative had the {$72.00} been there!! I was informed by BB & T that they had filed the wrong claim form and that ... oops, we 'll send the right one up XXXX A process I wish I could charge {$36.00} for ) ... I have called on a daily basis. I went to close my account from BB & T XX/XX/XXXX and asked how they 'd be returning my money for the incorrect fees only to be informed that returning my money was " courtesy '' and if I close my account I would Forfeit the funds!! It is now XXXX XXXX, 2015 almost one month later and I STILL HAVE NOT RECEIVED THE MONEY FOR THE BANK 's ERROR! Additionally, the companies that the items were returned to have charged returned check fees and in XXXX case a late fee. NONE of these fees or mistakes are of my own doing! The money to satisfy my debits would have been there had it not been for XXXX initial error and BB & T 's assessed fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I have debt for a company regarding services I have never received. The company claims I had medical services in Arizona in which I have not had any medical services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
I RECEIVED A LETTER FROM A COMPANY SAYING THEY HAVE TAKEN OVER MY MORTGAGE. 2 YEARS AGO I RECEIVED A LETTER FROM XXXX TELLING ME THAT THEY ARE RELEASING MY LEIN ON MY HOUSE. THAT I AM NOW RESPONSIBLE FOR MY TAXES AND MY INSURANCE. I WAS BEHIND IN MY LOAN AT THAT TIME. ON XXXX/XXXX/15 I RECEIVED A LETTER FROM GREEN TREE SAYING THAT MY LOAN WAS TRANSFERRED TO THEM ON XX/XX/XXXX. THEY ARE SAYING THAT I OWE ALOT MORE THAN I DID OWE. I CA N'T BELIEVE THAT THIS WAS A WHOLE YEAR BEFORE THEY EVEN CONTACTED ME. ON XX/XX/XXXX I RECEIVED A STATEMENT FROM GREEN TREE.SHOWING THE PRINCIPAL AMOUNT ALONG WITH OTHER EXPENCES. I KNOW THAT MY PRINCIPAL AMOUNT WAS NOT THAT MUCH. I SENT THEM A CERTIFIED LETTER REQUESTING A PAYMENT HISTORY AND THEY REPLIED BACK WITH THE ORIGINAL LOAN REPAYMENT AND SECURITY AGREEMENT THAT I SIGNED WITH BENEFICIAL BUT NO PAYMENT HISTORY. I DO N'T KNOW IF THIS IS SOME KIND OF SCAM. FIRST OF ALL IT TOOK THEM 2 YEARS FROM THE TIME I RECEIVED THE NOTICE FROM XXXX ABOUT HAVE MY LEIN RELEASED. THEN THEY COULD NOT SEND ME A PAYMENT HISTORY SO I CAN MAKE SURE THAT THIS AMOUNT IS INCORRECT. I 'M NOT SURE WHAT TO DO. PLEASE 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 2016-08-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I filed an insurance claim to my insurance company for damage. They issued me a check written to me and my mortgage company. I signed the check and sent it overnite express to the mortgage company. They re received the check XXXX/XXXX/2016 they never said what other information they would need. The only way I found out anything was by calling to make sure they received the check and asked how long before they would be sending me they money. That is when I was informed about all the different documents they needed before they would issue me any money. Mind you the documents they needed were not anything I was familiar with so I had to keep calling them to make sure I was sending the correct items. Every time I called I had to go through customer service and give my account number my name the property address and last XXXX of my social and my home phone and cell phone number before I could ask any questions. Each time I was connected to a different person. I was told so many different answers. 
Each person would tell me something they needed in addition to the I items I already sent. Other calls I was told they never received the items so I would have to fax the papers again. I faxed over to them 3 times the contractors list. Also 3 times the adjusters itemized list. Also the XXXX. They never once contacted me to say they have not received any of of my faxes. I would only find out when I called. I would be told yes we received it, I would call back in 2 days to see if the check has been released nd would be told no because we still need the contractors list. 
Even though I was told by another individual days prior that they had everything they needed. Each time they received any paperwork from I was told it would take 7-10 business days to review it. In 10 days I will be on the street with my XXXX dogs and my daughter looking for a place to sleep because my insurance will not pay any more housing for me. 
I do not have money for hotel stay for us and our dogs. This entire situation with the mortgage company has made me so ill. I stress all the time. My daughter is XXXX years old and has made her worry that we will not have a place to live when she starts school. My contactor has mentioned passing on my home because he has passed a couple of jobs up because we keep anticipating my job starting. I feel they are using my money for their gain and the employees they have are very incompetent I need my money now. I am the one who pays the insur ance not them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation