vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Citi Management Group, LLC
State: TX

Complaint narrative:
Citi Management group has sent me a letter and called and threaten to send me to jail if I did n't pay ... .they sent me a letter of debt. but sent me a deferent person letter ... .I brought this to there attention and they resent me the same letter but just change the name 's. The account number stayed the same and the address from NC. now they are calling me from deferent number threaten me to pay this or it will be turn over to the court and I will have legal matters. And I explain to then the I would like to take care of this issue but all the information is in correct ... My last conversation the man told me he was sending a letter to my payroll department and collect from them ... and then this guy XXXX call back and told me that i was n't going scheme out of this and just hung up on me ... 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 2017-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Southwest Recovery Services, Inc.
State: AZ

Complaint narrative:
Southwest Recovery Services called at XXXX AFTER repeatedly calling and saying the account would be turned over to their attorney by XXXX that same day. 

I will include a screen shot with their office number to verify they called at XXXX and when call was received, a live agent with Southwest Recovery was on the line named, " XXXX. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
getting repeated calls from debt collection company, Bureau of Medical Economics ( that blocks their caller ID number, but I got the agent to give me their number : XXXX ) It is for a supposed medical procedure done by XXXX XXXX XXXX, XXXX that the company agrees is NOT a valid charge. They must have then sold the " supposed debt '' to this collection agency!!

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 2015-10-21 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: WI

Complaint narrative:
I am unable to access my online account and when I try to call the Rush Card customer service or email them, they do not resolve my issues. I want to make sure that all of my money has been appropriately used by me, and because i am locked out of my account I ca n't do that. Rush Card customer service representatives told me Sunday XXXX/XXXX/2015 that my account was unlocked and it was not. I feel very uncomfortable about them having my personal information and they are beng dishonest. Had the Rush Card rep told me they could n't help me that would have given me some trust in them. I unable to review my transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NRA Group, LLC
State: MN

Complaint narrative:
On XXXX/XXXX/XXXX I had my bureau information pulled to complete a motorcycle loan. They informed me of a collection account that was added to my XXXX bureau XX/XX/XXXX. On Monday XXXX/XXXX/XXXX I pulled my Free Credit bureau from XXXX and noted that I did have a new unpaid collection from XX/XX/XXXX on my bureau from National Recovery. I needed to get this collection account removed in order to get the best rate on my motorcycle loan. I called the number listed on the collection and they were not able to find a collection in my name. They informed me to contact XXXX to obtain the full account number. I contacted XXXX and entered a formal dispute for this item and indicated I had not received any written notice and I obtained my account number. I called back to the National Recovery unit and offered to pay the collection if they could immediately send me confirmation via Fax or Email that I had paid the debt. They indicated they would not be able to send me confirmation of debt payment immediately and I would instead need to send them a self-addressed stamped envelope to receive a receipt of payment. My account number for the collection was XXXX and my confirmation of payment is XXXX. These practices cause consumer harm. Not having received written notice does not give the consumer the opportunity to dispute a collection prior to it showing up on a credit bureau and then not allowing customers to immediate proof of payment on a collection can result in them having a higher interest rate on loans. A consumer has the most rights to their own information and with today 's technology collection agencies should be required to provide an immediate receipt to customers. National Recovery should be investigated for violations of the Fair Credit Reporting Act for not sending out a written notice prior to entering a collection account on my credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: FL

Complaint narrative:
Company withdrew money from my bank account after I advised them they did not have permission to withdraw funds from my account. They refused to provide a settlement offer of no less than 60 % of the amount. They refused to refund money that they withdrew without my consent and they charging for fees for NSF in which they caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CT

Complaint narrative:
On XX/XX/2017 I tried to deposit a check for {$13000.00} to my Scottrade checking account with F.D.O. ( For Deposit Only ) on the back of the check. They rejected the check. They said it had to be signed with my signature. F.D.O. is perfectly legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SQUARETWO FINANCIAL CORPORATION
State: WA

Complaint narrative:
I got a voice mail from a XXXX XXXX at " XXXX ( sp? ) XXXX XXXX in XXXX threatening me with legal action and that they were sending someone to my house to serve me with legal documents and I need to call the " Litigation Office '' at : XXXX with reference number : XXXX. 

I called this number and they said they had a Lawsuit filed for a XXXX ( XXXX XXXX ) and I have to pay them " X '' amount in order to stop this Lawsuit. I explained to them him I am permanently XXXX and am Social Security XXXX. 

He did NOT care and was EXTREMELY rude, intimidating and threatening, then he hung up on me! 

This XXXX, XXXX XXXX account is WAY past the Statue of Limitations. This account was opened on XX/XX/XXXX & was last paid on XX/XX/XXXX. 

The account was opened when I lived in Nevada where the Statue of Limitations is Four Years. It 's OVER Five Years ( close to Six ) past the Statue of Limitations. 

They also called ALL of my Relatives before they called me! 

I sent XXXX ( now XXXX ) & the collection company ( CACH , LLC ) a Cease & Desist letter several years ago and have not heard from them since. 

I am currently looking into my legal recourse against them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Home Servicing LLC
State: GA

Complaint narrative:
Had a terrible experience working with XXXX XXXX at Home Services Lending. He forwarded a rate lock agreement for 4.5 % that my husband and I signed. Two days later, he stated that he would not honor the interest rate of 4.5 % because his computer erroneously put in the rate. Instead, he advised that our rate was 4.75 %. When I escalated this issue to XXXX 's superior - XXXX XXXX, she also suggested an error in the computer generated agreement. However, regardless of any such error, XXXX XXXX signed the rate lock agreement for 4.5 % prior to forwarding it to my husband and I to sign. Despite this fact, neither XXXX nor XXXX agreed to honor the rate, and my husband and I were forced to close on our house at a rate of 4.75 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NRA Group, LLC
State: DE

Complaint narrative:
I received a copy of my credit report, and that is when I notice the collection account for National Recovery Agency. I was never notified by the collection company, so I was unable to dispute the account for which they are reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NRA Group, LLC
State: PA

Complaint narrative:
A debt collection agency had applied a fraudulent debt that does not belong to me. This debt belongs to a person I have never heard of, from a town I have never lived, and in reference to a hospital I have never visited. I only first learned of this debt, when I applied for a student loan and was denied due to having " a bill in collections ''. Since I am certain I have never had a delinquent bill in collections, I checked my credit report which listed this fraudulent debt, along with the identity of another person who may have used my social security number. The debt collection agency had never contacted me to verify this debt belongs to me, or to let me know that they were trying to collect payments on this fictitious debt. This has caused me immense harm as now I can not receive a student loan so that I may finish my last semester of college. When I called the debt collection agency they had told me to call the credit bureaus to get the full account number ( of the fraudulent debt ) then call them back. I received the account number, called back and was told " could not speak to me '' because I was not the name on the account. They realized at this point that the information they have is fraudulent, and was applied to social security number incorrectly. I asked to speak to a supervisor, at this point I was hung up on. I called back and asked immediately for a supervisor, the supervisor told me I should try calling the hospital where the debt originated and then ended the call. I then called back the next day, explaining how this debt is fraudulent, was never verified, and that i expected the debt to be removed immediately, the man told me his supervisor would call me back that afternoon and never did. The name on my credit report ( from XXXX & XXXX ) lists the name and address of the person who apparently stole my identity, their address, their employer, and phone numbers. The XXXX report also has my name incorrectly listed as having a middle initial of 'XXXX ', I XXXX name.

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 non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: PA

Complaint narrative:
this was reported once to my XXXX report by national recovery agency. i contacted them and asked the debt by provided in writing and they refused so i contacted XXXX and they researched my account and found it to be correct. i payed them directly and they notified national recovery and it was removed and then rereported to 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 2016-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc.
State: NC

Complaint narrative:
I continue to block phone calls from Delta Management, which calls from ( XXXX ) XXXX and ( XXXX ) XXXX. My XXXX app says Delta Management is a mortgage lender. I have a mortgage through a credit union. Today I got a message from my church saying XXXX from Delta Management called to ask if I worked there. This is abusive and illegal.

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 2015-10-23 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: NV

Complaint narrative:
I have {$1500.00} dollars missing from my Rushcard account, I have an email from dated the XXXX of XXXX stating the money will be refunded back into my account in XXXX business days. My account is still missing the {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I would like Scottrade to fully and responsively address my other complaints instead of providing generic responses that allegedly relate to the XXXX XXXX, 2013, letter. Indeed, a number of the concerns I raised are wholly new issues and not addressed in the XXXX XXXX, 2013 letter, thus Scottrade 's boilerplate use of previous correspondence for materially new disputes is inappropriate.

Company response to consumer: Closed
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: IA

Complaint narrative:
Company tried to launch new services and it failed. Ca n't access money. Ca n't even get through to talk to anyone. After prompts the phone hangs up on second ring. Ordered new card paid {$30.00} to have 2 day delivery, still nothing.

Company response to consumer: Closed with 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: TX

Complaint narrative:
My complaint is against Rush card. I have not been able to access my money or use my card since XX/XX/XXXX. I 've made multiple phone calls, sent multiple emails, sent multiple messages on social media, and here it is XX/XX/XXXX, and I am still without my money. I 've been contacted by a representative XXXX time, and that was on XX/XX/XXXX, after I was advised to send a direct message on XXXX. The representative had no resolution for me and advised that she did not know when the issue would be resolved. You ca n't get any answers from anyone, meanwhile this has had a huge impact on my life. I have now had to pay a XXXX deposit to my electric provider because I could not pay my bill by the shut off date. Rush card is not providing any help to their customers, and these issues are not resolved as they say on social media.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
Reliable Credit falsely submitted an application using my personal information without my permission on XX/XX/2016. I did not authorized anyone employed by their company to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: MS

Complaint narrative:
Well first off i have a rushcard. I understand they r having ptoblems but when i cant get to my money its a big problem. I noticed that my card that had got stollen months ago was the card on file. And thats where my direct doposit went. Then today i checked it and XXXX is missing. every time i call someone is hanging up on me or acting like its not an issue and its not for them but a big one for me. I have bills and now i have late fees on bills.i also have a fine i have to pay and a child to take care of. I dont have gas and i dont have family to borrow from. Its just sad because i am stressing badly and the company does not care that my money is missing they think by saying its safe iits ok dont think that it is unless i have it. I work hard for it. Is there anything i can do my landlord thinks im full of XXXX and just dont have it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-10 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
I first noticed a transaction of {$120.00} was taken off my Rush Card, on XXXX/XXXX/2016. I went back as far as my phone would allow. I saw the same transactions in XXXX, XXXX and XXXX. I tried to contact Rush Card. They no longer have customer service. I also checked my statements on line, there are no records of these transactions. Any assistance you can provide will be greatly appreciated. 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 2016-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
Currently with Ditech Mortgage company - pay one month in advance on mortgage payments. Ditech shifted internal mortgage account numbers and when did, the new statement showed payment due one month prior. Representative stated that instead of payment applied to future month and additional principle, XXXX % of it was applied to principle. This is a no-penalty advance pay mortgage contract and we are quickly approaching the 'late fee ' date with funds not being reallocated as indicated on the coupon and as requested for the last 3 weeks ... multiple supervisors spoken to and NO ONE seems to want to take responsibility and call back. PLEASE HELP!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: ME

Complaint narrative:
I do remember closing this account back in XXXX. I also requested for all accounts using my social security number to be closed, and remaining monies returned to me. Now, I am receiving emails stating I still have funds available, and to use the funds before a " dormant fee '' applies. I have attempted logging into my account, but the site is asking for my card info. I destroyed the card ( s ), in XXXX, I also recall the card ending in XXXX, had an expiration of XXXX, XXXX. Reason why I closed this account, is due to an over sixty day delay in the issuance of monies from the IRS. Also, I was notified from a government depositor, they permanently blocked this cards routing number, due to possible fraud occurring with other clients. It is stating my available balance on the card ending in XXXX is a little over XXXX dollars.

Company response to consumer: Closed with explanation