vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Mariner finance keeps calling my job and telling my employees they are going to repossess a car that is n't under my name. I call them back to inform that they have to stop. Along my job and giving my personal information out. The guy answered back that if I wanted to play games I could.

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 2016-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
We are trying to get a satisfaction/release from a mortage institute from the time they were switching names. My court house shows that I still owe the company that the now mortage comany use to be under. It is still the same loan and the company says its one of the same of the 3 different names it was listed under. I tell them the court house needs a statisfactory from the old name showing that they are paid and We only owe to the company under the new name. They keep giving me the run around stating they ca n't do it and are getting no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX The company rush card claimed that my debit card had been compromised although the card was and has been in my possession. I made XXXX transactions on XX/XX/XXXX XXXX to XXXX XXXX to pay my cellular phone bill and another at XXXX for breakfast. Around lunch time me and a few coworkers went out to a restaurant where I was embarrassed due to my card declining from Rush card placing a " HOLD '' on my card. I was on the phone with the company 's customer service representatives all day since that moment and I was placed on hold for XXXX minutes in between constantly calling back to back for answers speaking to a total of XXXX agents ( XXXX supervisors ) getting NO HELP AT ALL to resolve my dreadful issue only to be told they 'd have to mail me out another card which will take a few business days and I can not access my money whatsoever. This is Absolutely redundant and I am extremely inconvenienced. I am NOT happy with Rush Card and I have been a customer since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
The collection agency Source Receivables has been trying to collect a debt from me that was bought from XXXX as the original lender of the account. Prior to this, I was making payments on this account to another collection agency and without notifying me, the account was sold to Source Receivables. I have requested verification of the debt that would include an original contract with my signature stating that I am responsible for this account. I have not received this information from either the original lender or from either Collection Agency, yet this account is still listed on my credit report under a collection/charge off. I do not have a contract between myself and a third party with the agreement that I owe them money. The supposed original agreement is between myself and XXXX but no original paperwork has been sent to me with my signature for a valid debt validation.

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 — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: DE

Complaint narrative:
I had a scheduled DD for XXXX which did not post to acct, and all prior monies in account were missing. After contacting the company via email the dd was processed manually howerver, my monies that was there {$480.00} was and IS still missing ... I was NOT and STILL can not access it as debit only credit. I was not able to use the atm except XXXX and it took my balance to XXXX although my dd was loaded. My statement is showing as pending with transactions that were posted and paid XX/XX/XXXX. I have emailed them over 10x, messaged them XXXX as requested, called every corporate number and no return call regarding my missing monies. ( I am now missing XXXX that was credited back to my account ) XXXX XXXX has been stating that the system is up working at 97 % capacity which is not true. He states that only individuals who cards were deactivated in error are still having issues, NOT TRUE. Take a look at his Rush card XXXX pages do those comments look as if all is okay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: AZ

Complaint narrative:
Rushcard has taken my direct deposit paycheck and after talking to customer service today, they said it could be weeks or months before my funds will be available! In the mean time they are making millions off interest with other peoples money while it just sits in their bank. I want my money. They have my rent and groceries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: CT

Complaint narrative:
I am a customer of rush card and my account has been frozen for 7 days. I have not been able to access my funds which is causing Late fees, car repo, eviction from home..I am very dissatisfied and nervous about this situation I have young kids that I also can not provide for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SQUARETWO FINANCIAL CORPORATION
State: MA

Complaint narrative:
Credit Card collection agency has repeatedly called my place of employment after being asked multiple times to not call. In addition collection agency has contacted my parents, sister and elderly grandfather repeatedly. Call are made sometimes XXXX or more in a single day with only a single message being left. After calling and speaking to agency and asking them to cease calls to my place of employment - I am a XXXX and do not have an outside line to my XXXX and will never be able to receive calls at work as a result ( nor is it appropriate ) - they left detailed messages for me with both the XXXX secretary and the XXXX. This has been going on for 3 years and as most recently as XXXX 2015. 
I called in XXXX of 2015 to make a settlement offer of {$800.00} for my outstanding debt of {$1200.00} ( more than 70 % of a 5 year old debt ) and was told that I needed to come up with {$1000.00} and I should " call back when I have the rest of the $ '' and was hung up on. The collections calls have since resumed to multiple calls each day. I would like a reasonable settlement offer sent to me IN WRITING as I do not feel comfortable dealing with a company via phone that ignores my requests for cease calls, ignores me when no permission has been given to contact on certain phone numbers and refuses to send me anything via mail. My information was updated with this company in XXXX of 2015 and I simply want to resolve this debt reasonably and expediently without myself or my family being treated rudely or unprofessionally. I want no further contact from this company via phone call to any number. As soon as I receive a reasonable settlement offer by mail, I will remit payment accordingly but will not do so without something in writing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Delta Management Associates, Inc.
State: FL

Complaint narrative:
I had worked with XXXX and XXXX XXXX from Delta Management Associates who were handling collections on behalf of American Student Assistance regarding defaulted Federal Stafford Loans. I had provided a payment of {$7800.00} to be applied to loan XXXX which would be paid off in full. The XXXX remaining loans of XXXX, XXXX, XXXX would be entered into rehabilitation with a monthly payment of {$230.00}. The loan ending XXXX had an interest rate of 6.8 % while the other XXXX had interest rates of 2.32 %. Delta Management Associates misappropriated my payment across all XXXX loans instead of applying payment as agreed upon and paying XXXX completely off. I view this misappropriation as a deliberate action of the loan servicing company, Delta Management Associates, and believe that their practices should not be tolerated by the US Government or the CFPB and that their license to service Student Loans should be revoked.

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 2015-10-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: ID

Complaint narrative:
I use Rushcard and they informed users that they would be doing maintenance on Monday, XXXX. That was fine since it was a bank XXXX anyway. I sent money to my account from XXXX on Friday. With Monday being a bank XXXX, I did n't expect the money until Tuesday. Tuesday has come and gone and still no money. My direct deposit was also due in my account on Wednesday, XXXX, and it also has not been deposited. Rushcard has acknowledged that they are having issues, but are n't keeping users informed on the status of our money. If you look at their XXXX ( XXXXRushCard ), this is the same problem everyone is having. It 's as if our money has just disappeared and we are not getting an adequate explanation of when we can expect to have it back. Money that was available in our accounts before the system update is also now gone with our accounts giving us a {$0.00} balance. We all have bills to pay and no timeframe we can give our creditors. It 's frustrating and financially devastating for a lot of people. I understood their issues on Monday since they warned us, but this is the XXXX day and no one at the company is helping other than releasing updates that are obviously not true. Some of their XXXX numbers have been disconnected, customer service is hanging up on people, and other people are waiting hours to speak with someone. It 's unprofessional and as a financial institute, they need to be held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Source Receivables Management LLC
State: OR

Complaint narrative:
This company, XXXX XXXX XXXX, XXXX, ID Phone Number : XXXX, keeps calling me after being told numerous times that the person they are trying to collect a debt from DOES NOT LIVE AT THIS HOME AND THIS IS NOT HIS PHONE NUMBER. I contacted them and asked for a supervisor after the calls continued. I informed the " supervisor '' that I had asked numerous times for them to stop calling me, and that the person they are trying to reach does not live here. He said he would remove my phone number from the file. I am still getting calls from them, but now they are blocking the caller ID in an attempt to disguise themselves and get someone to answer the phone, I know this because I answered it and it was Source Receivables Management. I WANT THIS STOPPED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
I would like delete the debt in my credit report because the debt was paid in agreements by {$700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Asset Maximization Group, Inc.
State: NY

Complaint narrative:
Did n't know this account existed. I always carried and provided medical insurance/ XXXX to the hospital. Hospitals never called, either.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: H. Kent Hollins, Attorney at Law, P.A
State: GA

Complaint narrative:
original debt was XX/XX/XXXX in the state of XXXX. It was filed in XXXX by H. Kent Hollins. Law Firm. H Kent Hollins # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX address : XXXXXXXXXXXX ( XXXX XXXX XXXX ( Local no. ) ( XXXX ) XXXX ( toll Free no. ) It 's over 15 years old and they are trying to collect from me. They garnished my bank account with XXXX XXXX XXXX in XX/XX/XXXX of this year and I had to contact the XXXX XXXX XXXX XXXX order processing. XXXX XXXX XXXX XXXX XXXX XXXX and the Legal Levy Department Regarding to Reference # XXXX. I did file another complaint with your agency before and I though this matter was taken care of and the bank was able to remove the restriction and restore my account. H. Kent Hollins, sent me by mail a form regarding to the debt. And then filed another garnishment against my account on XX/XX/XXXX. The bank is informing me that even though this is fraudulent, they are under the order of the collection agency, until this matter is resolved. This collection agency is very aggressive and they are not conducting their services in professional manner by refiling again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
Myself along with thousands of other people have not received our direct deposits and even if there are funds on your card we do n't have access to it because the cards are not working. The phone lines to the company are now down and when they were up and working I got hung up on after waiting for hours. I am about to lose so much because of this i dont know what I 'm going to do but Rush Card needs to be reported!

Company response to consumer: Closed with monetary relief
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: AL

Complaint narrative:
I have a Rush Card and I think they have deliberately restricted online access to people 's accounts so that we will not be able to track transactions. They have issued many statements asserting that all issues have been resolved, however, unless you are willing to hold for three hrs to speak to a representative, you have no way to know how much has gone into or come out of your account. My accent information is not accessible thru their website nor their iphone app. They know this but have not taken any steps to resolve it. Keeping us in the dark only serves to benefit RushCard. I 'm sure if I could see my transaction history, I would find discrepancies. I 'm positive there is money missing from my account. Who can I even speak to about this?? It is tragic that RushCard could treat their customers like this when they know they service economically disadvantaged consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
I was text on XXXX/XXXX/15 that rush card would be updating there system and me the holder of a rush card should withdrawal funds from my accout before XXXX the early morning because the update would not allow me to access my funds until monday XXXX/XXXX/15 at XXXX, so after XXXX i tried to withdrawal from my account and i was not successful to doing so, so then i tried and tired to contact customer service and when i finally got through i was told that my card has been blocked ( for what reason i do n't know ), next i tried using the card again the next day Tuesday XXXX/XXXX/2015 and it allowed me withdrawal {$20.00} out following that tried to use the online app to see what my balance was and again it toldme that my card was blocked and not activated again i tried and tried to get in contact with rush card and when i did i was either put on hold for an hour or after being on hold the phone call was disconnected ... .so again with another try at the atm ... my card said declind or unauthorized usage ... .i receive direct deposit to this card from my employer and i also had a remaining balance from my last direct deposit which was posted on Tuesday XXXX/XXXX/2015 so i cant see how my card is not activated..i 've been calling all day today and still not able to get through ... .i would greatly appreciate it if you can get to the root of my problem for me or direct me to any other source that can help me get a resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Empowerment Ventures, LLC
State: MO

Complaint narrative:
I have money missing out of m RUSHCARD ACCOUNT. THIS HAS BEEN GOING ON SINCE THE XXXX OF XXXX. I AM MISSING {$300.00} FROM MY ACCOUNT. TRANSACTIONS HAVE COMEPLETELY DISSAPPREARED. I HAVE BEEN TRYING TO CALL AND AM DISCONNECTED ON EVERY CALL. I AM GOING TO XXXX XXXX SATURDAY AND NEED MY MONEY ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06 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: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Last year I paid this account to clean my credit. I do n't know what this debt was for but I paid a reduced amount in order to have it removed from my credit and receive a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 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: RSI Enterprises, Inc.
State: CA

Complaint narrative:
Hello! 

RSI Enterprises is threatening to claim debt collection to a citation issued by XXXX ( XXXX XXXX XXXX XXXX XXXX ) for a supposed photo " stop sign violation '' and a {$100.00} fine ( now {$130.00} after collection fees ) from 2015. I finally received a collections letter dated this month. There is no available proof online that this even occurred, no video of the supposed violation nor of the driver to prove that I was driving. 

Firstly, I never agreed to pay this debt, therefore this is considered invalid right off the bat. There is not a posted sign at the entrance to this private property park and therefore does not constitute a Legal Contract. Secondly, the laws clearly state that a " promise to pay '' MUST exist before anyone can post to a credit report ... deeming this a false claim on collections. 

It is illegal for out of state companies to claim collections on private property that are n't legally enforced. When driving on public roads and am cited for a violation, by LAW, the officer must have the suspect sign that claims they will be responsible for any/all debts or fees that are incurred by said violation. 

Many others have also had this happen to them ; some fight it in court, some just ignore the claims by RSI Inc.. It seems that ignoring the collection letters is completely valid due to their acting on illegal collections and because there are no DMV restrictions or appearance on credit reports ... just proving even further that this a scam run by XXXX. 

Thanks for submitting this company and hopefully we can fight to take them down with everyone else that has had these illegal debt collections sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
Rushcard had an update to there system which locked me out of my account and I am unable to check my balance and all of my transactions are getting declined. My direct deposit deposited it and the wrong amount was marked up and them removed then a different amount posted to the account. I withdrew and paid as many bills as I could went back to get the rest of the money that was left in my account and it was gone my account know shows a zero Balance there should of been at least XXXX dollars left in the account know there is no money. I cancelled my direct deposit because Rush card customer service will not talk to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
My client has submitted a request for pre-foreclosure sale with a servicer and has been treated unfairly, and my prior request for the CFPB to intervene has been disregarded by the servicer. The file was assigned to a representative and she has not been following up on the status of the file and I was informed that the property will be foreclosed upon next Wednesday because our offer was low. I requested a valuation review and was told that it is too late and that the servicer is foreclosing. The negotiator 's supervisor will not return calls and they are acting in bad faith. The servicer has mis-represented the case form the beginning and said it is too bad that Virginia laws allow for the foreclosure to happen so quickly. The negotiator refused to give me the name of the person assigned to review the CFPB complaint and said we are going into foreclosure and there is nothing I can do to stop it.

Company response to consumer: Closed with explanation