vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: OK

Complaint narrative:
I have added money to my Rush Card today and have not been able to access it. I spoke with a rep and was told that she was unaware of when my funds would be available for me to use, now my family of XXXX will be without a phones and have to pay reconnection fees to get them turned back on. This is very unacceptable being that i have a set income and do not have the money to pay them. I will no longer use this company after i receive my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-03 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Blackwater Capital Group LLC.
State: OH

Complaint narrative:
I got an installment loan from XXXX loans in XXXX XXXX. I began making payments to the company, but, after my husband was hospitalized, I had a income declination and was unable to fulfill my debt. I emailed the company in XXXX or XXXX asking them to offer me a settlement amount. I went to my bank to get the matter resolved. I received no contact from the company. However, in XXXX XXXX, I received a call at work from a company called the XXXX XXXX XXXX ( XXXX XXXX ) stating that they had the account. I asked him to NEVER call me at work again. We set up arrangements on the account and I told them that I could send the payment via money order, but, he insisted that I give him a debit/credit card number. After tirelessly arguing with him about not having a card, I discovered that I did have an old debit card from school. I told him that I would have to go to the school to load the card ... I was unable to do so because the school was on XXXX break. I informed him of that. A day later, he found a cousin-in-law via Internet and called him regarding my debt. Then, on XXXX XXXX and XXXX XXXX XXXX, he located my mother-in-law and did the same thing, He held a conversation with her and left a message on her cell phone on another occasion. I have never listed either of the XXXX people contacted on any application that I completed. I am not sure where they got each cell phone number from, but, the XXXX XXXX XXXX has found a way and they have been constantly calling and harassing my mother-in-law. I am wondering if there is something that can be done about this matter. The company has all of my contact information, there is no excuse. Also, the day that XXXX XXXX called me at work, I called him from my daughter 's cell phone when I got off from work. He asked me if it were ok for him to call me at that number ( must have shown up on caller-id ), I told him NO! I said this is my daughter 's phone. Nevertheless, he called a few times and left a message on her phone on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
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: NC

Complaint narrative:
I have been a Ruch Card holder for over 4 yrs. I am not able to get my money for over 2 weeks. My bill have fell behind and I am about to be evicted from my apt . I am at my witts end on what to do. Please help me get my money off my RushCard. 
XXXX XXXX Worried

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I XXXX XXXX XXXX, need help with my home, we complied with all the requested documents sent for modification to Bayview Loan Servicing. We were told we did not qualify. We confided in a person from XXXX and we were told to take our documents we did we had n't heard from this person who told us everything was fine do n't worry we waited and waited. we decided to go to the office and we were told this person no longer worked there. Now we are facing pre-foreclosure we have XXXX children and no where to go we sent letter to Bayview please help us save our home. My wife lost her business work was slow for me. Now I am the only wage earner we are struggling we want to save our home please help us. If we knew this person was n't doing anything to help us we would have struggled our best to pay our mortgage and not fall into default. Please help us. Now we have someone helping us gather all the documents together and making copies.

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

Complaint narrative:
Last week i was surpose to get my money in my rushcard account but my money was not in it. I called some many times. I would look on my account. To see if it posted and it is not. Now it the last week of XXXX and i still did not received my last week pay. What is going on. I need my money now. I know i have my money in the account but with the glitch and cant access my account i have no money now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
RushCard had scheduled maintenance for XXXX XXXX from XXXX XXXX to XXXX XXXX well on XXXX XXXX at XXXX XXXX they stated it would be a little longer and they would fix the system issue well long story short its XXXX XXXX and my funds on my card has been lost and their cutomer service line is down and my payroll deposits and my other deposits are suppose to be on my card on this day XXXX XXXX and i have important bills thats due..it one thing to give a time frame and i prepared for the update but its gone to long and i cant access my online account or anything the website is down and each update that rushcard puts on facebook its a new issue. first it was maintainace now its an outage. well i was able to call my card after hours an check my balance and its not my correct balance. it money missing i cant get in touch with customer service because they are not picking up the phone and on XXXX XXXX at night i sat on hold for 58 mins before i gave up and hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-07 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I was a former Scottrade Bank customer ( I closed my account after what I consider to be a complete failure of Bank responsibilities when Scottrade announced that over XXXX XXXX customers had their very personal information breached ), see here : XXXXI closed my account because Scottrade refused to answer my questions about the data breach and had a generally unhelpful and unconcerned attitude towards the situation. Considering I 've been a victim of identity theft before, I am very concerned. 

Late week, I found that others are having identity theft problems as a result of the databreach and if you review XXXX and a google search for " XXXX Scottrade '' you will see that in as early as 2013, Scottrade was warned about security flaws but apparently did nothing. This is most concerning, in one of the FOIA requests obtainable by searching " XXXX " Scottrade '', Scottrade admits to being in receipt to a tip that detailed the exact flaws within Scottrade 's database system. 

Bottom line is, I am unhappy with Scottrade service and upon discovery that Scottrade failed to investigate warnings of failed security, I will be pursuing action against Scottrade. In this, I kindly request Scottrade provide me with a copy of the arbitration agreement.

Company response to consumer: Closed
Consumer complaint received 2016-06-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Roquemore Holdings LLC
State: FL

Complaint narrative:
My truck payments is 37 days late and the buy here pay here dealership will not entertain making payment arrangements and are aggressively pursuing repossession with a hired collection agency : Rockmore & Rockmore ( spelling? ) out of Texas. Rockmore has now called my place of employment and my mother 's cell phone, without even reaching out to me first to discuss. I have made arrangements with the dealership but they are not communicating this, or any other interactions we have had, to the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: SC

Complaint narrative:
Looked at my deposit this morning and it is not accurate ... Rushcard deposiy only XXXX into my account when it should have been XXXX I have been on hold for 30 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAC Financial Corp
State: AZ

Complaint narrative:
Contacted me at work after I asked them not to.

Company response to consumer: Closed
Consumer complaint received 2015-10-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: LA

Complaint narrative:
I had my direct deposit set up with Rushcard and now I ca n't access my funds. It posts the funds to the account but when I try to withdraw it from the ATM it does n't allow me to. It also wipes out my balance when I try to use it in any store or contact them about not being able to use it. Also, when I contact them they hang up in my face or tell me that there is nothing they can do until it 's fixed and they have not estimated date or time that it will be corrected. I call them everyday and as soon as I 'm connected to an agent they hangs up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CT

Complaint narrative:
Scottrade Bank was hacked, yet Scottrade Bank staff refuse to acknowledge that the XXXX of customer credentials exposed effected both Scottrade XXXX and Scottrade Bank accounts. 

I have written to Scottrade Bank, Scottrade XXXX, and Scottrade XXXX XXXX on a number of occasions and they al refuse to respond to my complaint. In turn, after a number of phone calls to management, I received a phone call from the branch manager who said my account had been permanently frozen and will be closed shortly. Allowing my no opportunity to withdrawal the funds and giving me no ability to plan financially. The branch manager at Scottrade was very rude and acted as though he did not care that I have paid XXXX in fees for the past few years. My last quest was a request that I talk to the legal department, Scottrade profusely declined and has since then blocked my calls. 

I am writing to the CFPB in hopes that Scottrade will provide an appropriate and customer friendly response.

Company response to consumer: Closed
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
This is in regards to case Number XXXX. I have sent you another letter about Advantage Financial Services. I have proof, and will present it at a Schudule hearing on XXXX XXXX. I have already informed you about it in the past. 
Advantage Financial Services signs their own complaints. No attorney signs them. I have found that to be so in our case and I am in connect with another person that it has happened to. The signatures on the Complaints are not AFS 's attorney. I have seen the XXXX signature, the signature on our complaint, and the signature of this other person. I am telling the other person to also file a complaint. I am not including her name here because I do not yet have her permission to state her name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SQUARETWO FINANCIAL CORPORATION
State: IL

Complaint narrative:
Several related complaints : 1. Cach , LLC purchased the original debt from XXXX ( managing company for XXXX XXXX XXXX ) 2. XXXX XXXX was the attorney collecting for Cach , LLC. 
3. XXXX successfully began a wage garnishment from my employer. In a discussion I had with this company, they lied about the original amount and said they were asking for {$250.00} per month. The amount is actually {$250.00} per biweekly pay period. This should be available on the recorded line we spoke on. 
XXXX. XXXX XXXX XXXX somehow became the new debt collector, taking over for Cach , LLC. in the collection process. 
4. XXXX XXXX XXXX began collecting for the full amount of the debt, and claimed no prior knowledge of the payments that I had been making for the past two years and also claimed no knowledge of the garnishment. They just started collecting again for everything. I explained they were collecting double and was told this was for a different debt. It is not. 
5. On XXXX I spoke to XXXX XXXX XXXX and was told my existing balance was {$1000.00} and that the last payment was made on XXXX/XXXX/16. 
6. I asked XXXX to note my account with the following information : The payment for {$250.00} that was received on XXXX must have been from my XXXX paycheck. On XXXX and XXXX I paid {$250.00} out of each of those paychecks as well. So, according to my calculations, I would only owe {$580.00}. 
7. I requested a copy of the last statement they sent my employer, with the amount they say I still owed. The representative I spoke to refused to provide this information, telling me to get it from my employer ( again, please listen to the call recording ). 
8. After some discussion, I was told that XXXX XXXX would call me back and let me know if they could accomodate this request. 

Complaint is for collecting for a debt that already had a wage garnishment in progress, not providing correct information, misrepresenting themselves as a branch of the government ( they sent documentation that I was being sued again ) and refusing to provide information when asked about this debt. 

Additional complaint is about the interest charges. I am being charged interest on interest and the payments I made are not going to the principal first. The interest rate and fees that I have been charged have been grossly unfair.

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 2016-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Stated their company does not maintain a " Do Not Call '' list after I asked. Stated they have the legal authority to call a cell phone after I informed them not to contact me on that phone. Ignored the National Do Not Call registry. Refused to answer all of my questions without me first stating my name. Stated they will call again. http : //www.goldkeycreditinc.net/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: TX

Complaint narrative:
I recently applied for and received a loan modification from Selene Finance. Between the time that the loan modification paperwork was executed by Selene and the XXXX XXXX, 2016 statement, I anticipated that a XXXX payment would be due and did not want it to be late. Therefore, on XXXX/XXXX/2016 I sent a check to the bank and it was received. Two days after I mailed the XXXX payment, I received the XXXX statement from Selene indicating that a $ XXXX was due XXXX XXXX and that my next regular payment would be due XXXX/XXXX/2016. So I called them and asked them to credit the payment that they would be receiving to the principal portion of my account. They denied the accuracy of the $ XXXX statement saying that a system glitch had sent out the statement. However, I again received a statement today confirming that a XXXX - NOT XXXX - payment would be due on XXXX/XXXX/2016. Can you help me to get credit for the XXXX payment that I sent in and have it credited to the principal balance? Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Closed my account with Scottrade Bank today because it 's been over a month and I never received a debit card. I called them a week ago, and they said I was supposed to request one. Request a debit card??? Why would n't that be automatic? Then they said it could take 3-5 days to get it ... wrong again ... Somebody is definitely asleep at the wheel. The brokerage could n't even contact their own banking representatives. What a joke

Company response to consumer: Closed
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — Transit card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: PA

Complaint narrative:
I loaded XXXX dollars to my prepaid rush card this afternoon. My card doesnt show the load. The reps are not helpful. They insist system is down. I need that money. If they are having so many issue 's then why allow money to continue to be loaded. I need my money. Then im closing the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GREAT LAKES
State: OH

Complaint narrative:
I submitted my application to renew my income-driven repayment plan before the deadline in XXXX. When asked to submit income verification, I mailed both mine and my husband 's paystubs. I was later notified that my paystub was insufficient and needed to send in a self-certified statement of self-employment income, stating either my monthly or annual expected income. At this time, I asked if my husband 's income verification was sufficient, and was informed that it was. I gladly obliged the request, with a statement of monthly expected gross income. I was then notified that that was n't good enough, and I needed to submit a statement of expected annual income. Again, I obliged, copying the requested verbage word-for-word. It was at this point I was informed that I needed to verify my husband 's income. Since I had already done so, had ascertained that his information was received and was sufficient, and had waited XXXX4 weeks between each request, I refused to participate any longer in the unnecessary back-and-forth. I called to ensure all necessary paperwork had been received, which it had, and submitted proof of acceptance of all necessary paperwork. It is now XXXX and I am still receiving requests for my husband 's income verification. I 've now made 4 monthly payments that I can not afford, and I can not afford to wait any longer for them to process my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have a payroll account for my job with TD bank. I set my initial account XXXX 2015. Someone via XXXX accessed my account in XXXX this year. 
TD 's solution was to 1. freeze my account or 2. close and open a new a account. I chose to open a new account. The Fraud department of TD did an investigation and told me that the person who accessed my account had closed the account so there was no way to retrieve my money. While I was very upset, I let it go since the total was under {$5.00}. Today I noticed my account was short. Upon investigation, XXXX has again accessed my account on XXXX occasions totaling {$340.00}. The Fraud department 's solution is freeze my account. That is not possible since I have pending charges and bill payment set up. I want to know why TD is not accounta like other banks. With XXXX, that money would be back in my account while there is an investigation. TD 's resolution to my first breach was " that person closed the account we ca n't get your money back ''! 
Where is my consumer protection?! Take it up with XXXX. 
Why are they not accountable? I am closing my payroll account today and will no longer use the Worlds ' Most Inconvenient bank. Someone should look into this. TD tells me that my account was breached using my routing and account number both time. I feel that this is a breach in their bank system. I am sure upon further investigation it will be revealed. 
In the meantime, I am out of my hard earned money due to this bank 's lack in oversight and protection.

Company response to consumer: Closed with explanation