vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SVB FINANCIAL GROUP
State: OK

Complaint narrative:
In XXXX XXXX, I was expecting a check from XXXX XXXX as settlement for my XXXX tax refund. Unfortunately, On XXXX XXXX, XXXX, my check cashed using a forged endorsement. The XXXX of the person who cashed it had been written on the check. After consulting with a detective in the XXXX Police Dept, I learned that the XXXX belonged to someone with the same name as mine, who lives in my neighborhood. After contacting XXXX XXXX headquarters, I was informed that i would not be issued another check, even though i did not benefit from the check, nor did was i aware of it being cashed. Also, I was incarcerated in the XXXX XXXX XXXX on the day the check was cashed. XXXX XXXX of XXXX XXXX provided me with a copy of the cashed check. Next, i contacted Silicon Valley Bank ( SVB ), which is the bank printed on the copy of the check, and informed them that i wanted to file an " affidavitt of forged endorsement ''. SVB would not provide me with their affidavitt, but forwarded it to XXXX XXXX, to be forwarded to me. However, XXXX XXXX denies receiving such email, and has since ignored my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 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 in middle of buying a home and the title company found a judgement against me that was n't on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, at approximately XXXX EST I went to the ATM and requested to withdraw {$200.00}. The machine did not dispense any cash and gave me a receipt with an error message indicating the amount I requested and that {$0.00} was dispensed. A few minutes later, I received a text alert from Rush Card indicating that {$200.00} had been deducted from my account. I immediately contacted them via email and phone to dispute the transaction and was informed that I needed to provide a dispute in writing. On XXXX XXXX, XXXX, I submitted a copy of the ATM receipt and the signed dispute form to Rush Card via fax and email. The same day I received an email from Rush Card customer service acknowledging receipt of the documents and indicating that I may check back within 1-2 business days. 

On XXXX XXXX - XXXX, I contacted Rush Card via email and phone requesting the status of my dispute and was informed that I would have to wait 10 business days for their XXXX XXXX to determine if a provisional credit should be issued. When I inquired why I had to wait, I was informed that I just do, that is there policy. I requested to speak with the XXXX XXXX and was informed that cardholders are only allowed to speak with the Dispute Office when the initial dispute is filed. After the dispute it received, cardholders can no longer be transferred to speak with the Dispute Office but are required to contact customer service who will send an electronic note to the Dispute Office. I have been a cardholder since XXXX, always kept my account in good standing, have bi-weekly deposits from my employer and never had to dispute any transactions. So, bearing this in mind the lack of concern and poor customer service that I have received regarding this dispute is disappointing and unacceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-29 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: VA

Complaint narrative:
Over the past three weeks I have received at least XXXX robocalls that purport to be from a debt collector. The caller/recording does not identify the person being called. Neither does the recording refer to a particular debt or creditor. " This is a call from a debt collector. Please XXXX. '' My caller ID lists the caller as " Unavailable. '' Due to the huge volume of solicitations and obvious scam calls to my phone ( despite being on the Do Not Call List ), I let calls from unknown callers go to voicemail. I DO NOT HAVE ANY DEBTS THAT WOULD REQUIRE A DEBT COLLECTOR TO CALL ME. PERIOD. Please make this caller stop calling me. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
I have not been able to use my RUSH card for emergency situations sch as traveling to see my kids and also pay bills. I think it is flat wrong to be hung up on by service reps, and lied to at every turn. I need to get my money out of this system ASAP

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: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: IL

Complaint narrative:
Rushcard : I lost my card on XXXX I was told a replacement card would be sent but could take XXXX business days to receive. On XXXX XXXX marked the 10th business day and I had not receievd the replacement. I attempted to call and with all of the issues occuring due to the system glitch I have yet to get a hold of anyone that could help me with the replacement of my card. At this point XXXX deposits of XXXX each are sitting on the card with inability to use as they told me the card was blocked. I did later not sure how or why was able to use my card via XXXX ( saved on my account ), but because I can not remember the card # and or XXXX digits on the back I 'm only limited to purchases on XXXX. The transfer option is not available ( a friend also has XXXX and was willing to help by giving me the funds after transferring to her ). I was able to addmyself as a payee and submitted a partial payment as a test to see if the payment would come. BUT this was only 2 days ago, and the scheduled time for arrival is 5 business days. We shall see if this option works in any way. Needless to say with {$1000.00} sitting on a card I ca n't acess has put me in a tight spot as my other cards are used for paying bills and in doing so am left scrambling to purchase other things. The service has been nothing but disspppointing, with NO ONE I have spoken to having no access to view my account, so they say, because many others have had the ability to check. There has been no effort to provide me with any updates other than those found on their site and it 's even more dissappointing that they are lying about being back up and running. I expect there be much more offered by the company than waiving of fees for a few months. That 's absolutely ridiculous to think that will resolve any issues they have caused for the thousands affected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-12 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:
Gold Key Credit, Inc been reporting the following medical collection account number ( XXXX ) since XXXX 2015 according to XXXX and XXXX XXXX consumer reports, but I have yet not received any communication from this agency pertaining to this account, as a result I do not have the full account number or any additional information validating this claim. However I have printed the account details from my credit report and forwarded a copy with my initial request for verification of the debt and production of documents on XXXX XXXX, 2015. At this time I have notified Gold Key Credit, Inc in XXXX separate written communications that I dispute the validity, accuracy and responsibility of the debt. As of today, XXXX XXXX, 2015 Gold Key Credit, Inc has not responded to my multiples request as they are required. I have also filed XXXX disputes with XXXX and XXXX XXXX and I have received notification from the bureaus that Gold Key Credit , Inc has verified that the account belongs to me. Gold Key Credit , Inc has violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by continuing to report their negative mark on my credit report, affecting my abilities to obtain credit and causing me to lose an average of XXXX points on my credit score since XXXX 2015. I want this agency to proof the validity and accuracy or remove their negative mark from my credit reports immediately. Any assistance from you will be very much appreciated. 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 2015-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: H. Kent Hollins, Attorney at Law, P.A
State: UT

Complaint narrative:
kent hollins XXXX is threatening my wages and my employeer for something that i have no idea what it is a gas station back in 2002 they are trying to get XXXX from me they are well beyond the statute of limitations XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: WI

Complaint narrative:
Starting XXXX, XXXX 2015 Rushcard stated that they are updating their systems and it would take XXXX hours. Days pasted and none of my funds was available. I call and they would hang up or keep me on hold for more than XXXX hours. It is now XXXX XXXX, 2015 and as of today I still can not access my paycheck from XXXX XXXX, 2015. This has caused financial stress on me with the issue of paying bills and having money to get to work and eat daily. For the past weeks I had to stress over how I am going to have enough gas to get to work. Today I called and was told that the system is yet again down and my account has went from {$500.00} to {$0.00} XXXX times today. On the occurrences that I seen money available I went to the ATM and get invalid responses and is told to contact my financial institution. I call them and they have NO answers of the time frame, its been 2 weeks. All they ask for is your number so that they can send you a text when the system is fixed. When I asked to speak to a manager I was put on hold and never returned to. The HARDSHIP this has caused for me and so many lower class citizens in America is unfair and should be unjust. There has to be some why this can be avoided in the future. Currently I am at home with {$10.00} in my pocket that I can not spend because it is my last. What do I do next week up until payday?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
Not sure what category it falls under, but I am a Rush card holder and has not had access to the remaining money on my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SQUARETWO FINANCIAL CORPORATION
State: FL

Complaint narrative:
debts are still reporting in the credit file. however, debts were paid back 2013 as part of settlement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Dear Sir/Madam, After reviewing this document : XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.

Company response to consumer: Closed
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
XXXX of Source RM was horribly rude and refused to provide documentation about a XXXX debt. When I asked for him to send me proof of the XXXX debt, he shouted that I received one from XXXX, which I did not receive. He was very rude and unprofessional and refused to sent me proof. This make me that this is fraudulent since they are not providing proof.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX and I am a XXXX XXXX XXXX. My son is also XXXX XXXX XXXX he is XXXX XXXX XXXX and we both live at XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/XXXX, my son went to XXXX medical services. They have charged my credit report for failure to pay this bill. I am a member of XXXX XXXX XXXX since XXXX and I have had medical coverage the whole time. When I called the Gold Key Credit Inc of XXXX XXXX. XXXX to explain they made a mistake, they told me I had to get my son to pay! I am estranged from my son. My Cell XXXX and email is XXXXXXXXXXXX. Thank you for your attention to this matterXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
My money was deposited into my rush card and i have n't been able to access my money. I 've called rush card and no one ever answers the phone and when your on hold, phone hangs up. I also faxed over to them a letter explaining that my card was deactivated and that the deposit id was incorrect. No one ever got back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BYL Collection Services
State: DE

Complaint narrative:
I went to the XXXX XXXX in XX/XX/2012, and there 's a {$920.00} balance that I needed to pay, but I did n't know I have that payment because I moved to a new apartment. So, I did n't receive the payment from the hospital. During these past XXXX years, nobody contacted me about this, and I did n't receive any payment about this either. I received a phone call from XXXX XXXX on XXXX XXXX, they said XXXX XXXX forwarded this payment to them, so I have to pay it. I paid it immediately after I understood everything, and I paid it through the phone using my credit card. Also, they sent me a document receipt after several days. Recently, I 'm trying to apply a credit card from XXXX, and they reject me because they declare that I have delinquency history, then I checked my credit report. I saw BYL collection services as a negative account on my credit report. I called BYL collect to ask them to remove this negative account because I 've already paid it, and they said they no longer have this payment because they 've transferred this to another collect company, which is XXXX XXXX. They told me that I should call Experian to ask them to dispute my record. However, XXXX agency told me they can not mark this payment as paid because they have to get the prove from BYL Collect. After they get the prove, they will mark it as paid, so XXXX agency suggested me to call BYL to ask them to send a prove to them to prove that I paid. Then, I called BYL collect again, they told me since they no longer have this payment, and I paid to XXXX XXXX, so they can not do anything about this. ThenI called XXXX again to ask them if I can call XXXX XXXX, they said it 's not working because the negative account on my report is BYL collect. I 'm frustrated now because I paid my payment, but the bad record still hurting my credit report. BYL said they could n't help me, but the negative account on my credit report is still BYL collect. I do n't know what should I do now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: MO

Complaint narrative:
I 've had a number of problems with my Scottrade Bank account from funds taking way to long to transfer to not receiving a debit card or checks for weeks. I brought this up with my branch manager and he said those issues are dealt with via the XXXX XXXX. Well I called the XXXX XXXX and as expected was transferred several times, told to wait a few days for a response, and then nothing. 

At this point I asked Scottrade Bank to provide me with a copy of the Arbitration Agreement for my account. Scottrade Bank refused and continues to refuse to do this.

Company response to consumer: Closed
Consumer complaint received 2015-10-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: CT

Complaint narrative:
After system glitch, I am missing XXXX dollars due to incorrect balance projected. Funds were also removed from my saving account without concent and removed from my transaction history. I have contacted rush card for over 2 weeks without a resolution I 've been avised it would be resolved at the highest priority. No one has us reach out to me via phone email and or XXXX on social media. I have multiple screen shots proving unauthorized activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midstate Collection Solutions, Inc.
State: IN

Complaint narrative:
I dropped the class and the XXXX XXXX college is saying I did n't drop the class and is charging me for the class.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I had water damage to my home. My insurance company, XXXX covered the claim. The check for the damages was written to both PennyMac and myself. I endorsed the check and submitted it to PennyMac. I notified them that all work was completed. When they had not released the funds by XX/XX/XXXX, I called to inquire. They said they were still in need of a final inspection. The inspection was completed on XXXX XXXX, XXXX. When I still had not received the release of funds, I called PennyMac XX/XX/XXXX. The agent looked over my file, apologized for the delay and said that funds were now going to be released and that I would receive a check in approximately XXXX business days. Two days later another agent called me. I returned the call and was told that they required signatures from me and my contractor for the original bid. She told me the forms would be emailed to me within two days. Now, on XXXX XXXX, XXXX, I still have not received the forms. On the copies of the documents I have, the bids are signed. I called PennyMac Loss XXXX Department and spoke with a manager, XXXX. XXXX said she would " look into it ''. She placed me on hold for over 30 minutes and then the call was disconnected. I have explained the importance of getting this settled immediately. My family is moving. Our has is under contract with a buyer and scheduled to close on XXXX XXXX. The sale will likely be blocked by a contractor lien if PennyMac does not release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX and finally received copies of statements from XXXX after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$830.00}, I requested XXXX to provide details on how the alleged amount of {$1000.00} was calculated, XXXX has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX, 2010 ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the XXXX is not authorized to collect interest unless it is authorized, I request XXXX to provide a contract from original creditor stating that XXXX is authorized to collect interest on this account. As per evidence presented above XXXX has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file.

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