vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I went to XXXX XXXX for XXXX shopping but my card was declined. I called Phone banking but was put on long holds, finally when some one made their self available I was told that my card was temporarily blocked. This stupid decision was made without even informing me thus after queuing up in line to buy for weekend and XXXX I had to leave store empty handed. Further when ever I contact BoA I have to face long holds and their chat representative are always busy as well. This wastes my time and in case of emergency i do n't think i would be able to get in touch with them. Do n't they calculate their capacity model, whats the use of having help line and chat if they are always out of representatives. 
Can you please look into the above complain because the representatives at BoA do not care about customer complains.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: OH

Complaint narrative:
I have had an account with NetSpend Debit for three years. On XXXX XXXX, 2016 filed a dispute for an inaccurate purchase that took place on XXXX XXXX, 2016. Because I did not receive the product from the vendor. After 15 days plus, I was told that I was not going to receive credit for the amount disputed because the transaction was over 120 days. I requested to have a copy of the Statutes of dispute filing limitations of which I was refused. I received a call on XXXX XXXX 2016 from the NetSpend corporate office and was told that I was not going to receive credit or further investigation based on their policy of " Safe Harbor Law ''. My issue is that their is nothing in any of the marketing literature, documents that I signed in entering the agreement etc. I am demanding to have in document form the policy that states the statutes of filing disputes over 120 days based or due to the " safe harbor rule ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I have a netspend debit, credit card, I have several direct deposit going into that account. 
On XXXX/XXXX/16 my retirement went into the account. Some called in and talk to customer service agent and ask to have my pin change and address. They transferred {$1000.00} into some name XXXX XXXX account without my knowledge. They sent me a email stating that some request pin change and wanted the money transferred, if you did not request please call right away. I did to let them know it was not me. They started talking about it would take up to 45 days It did not take them that long to give my money away. I 'm really thinking it is a inside job, there are so many complaints against Netspend of them not returning their money. They should be closed down if this is the way they conduct their business. Hope someone can help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am the primary account holder of a checking account at Huntington National Bank. About three weeks ago I noticed a withdrawal of {$34.00} from my bank account and had not made any such withdrawal myself. Being curious, I called the Bank and asked what the withdrawal was. I was told that an account linked to mine had been negative and they were offsetting. After finally getting more information I found out that because my Mother is the secondary account holder of my account and the secondary account holder of my sisters account ( which at the time was negative ), huntington had pulled the amount from my account to fix my sisters account. However, It was n't til long after the complaint that I found this out. I had called on XXXX XXXX, and asked for a return phone call which never came, so on XXXX XXXX, I called them back and explained the situation again and after sitting on hold for a very long time was told that even though the other account was now positive, that the bank was keeping the money. After asking to speak to a manager/supervisor I was told all managers and supervisors were in meetings and I 'd have to leave a voicemail and they would get back to me the very same day. Of course I have not heard back from them. I understand that a bank is in business to make money and part of the way they do that is by collecting fees, however, taking from XXXX to give to another and then keeping for yourself is very questionable. I 'm a student who pays tuition and is on student loans trying to make it on my own, and {$34.00} is a lot of money to someone who on good days struggles to keep a positive balance. I 'm not asking for anything, but my money back. I 've been a Huntington Customer for many years, more than 10 years to be honest, and I have never been more upset with a financial institution than I am right now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-16 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: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from XXXX . I had previously disputed this account. I have never done business withXXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt SW CREDIT SYSTEMS L.P purport I owe. I request that SW CREDIT SYSTEMS L.PProvide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SW CREDIT SYSTEMS L.P Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

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
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Vital Solutions, Inc.
State: FL

Complaint narrative:
There name is vital recovery systems I asked for there address because they were calling XXXX to XXXX times a day for a debt I never heard of or owe.I sent them a letter telling them to cease the calls there leaving messages on a business number and stating that they were a collection company using the number XXXX.Now when I pick up the phone is makes it seem like I was placing the call and says " I 'm sorry we can not connect you we are experiencing technical difficulties '' They have harassed me for weeks! The people that call are very rude and sometimes they call back with a false caller ID number from my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
My husband took out a title loan with this company. They repeatedly harassed him at work on his cell and office number when he told them not to call his cell or work number. He got laid off in XX/XX/XXXX and totaled the truck in XX/XX/XXXX. They are the title holder and was notified by the toll truck company and me. They put insurance on these vehicles in case something happens. After the vehicle was totaled they repeatedly called harassing him. They were informed 2 weeks ago that he died on XXXX/XXXX/2015. Today XXXX/XXXX/15 they texted his phone. Quote " Good afternoon this is XXXX mgr at Lone Star Title Loans it is important for you to call me at XXXX before XXXX XXXX or you may text back '' sent XXXX XXXX. How is a deceased person suppose to call or text, really you idiots. I used to work for a company like this one they can verify date of death at XXXX or the funeral homes website. I provided this info the them today. by responding to the text message. They were told not to call the cell number I know they did not have permission to text. What happened to the cell phone consent policy.Then they called his phone from the same number at XXXX XXXX today and did not leave a message. My grandson started asking questions again about his papas death and started crying because they were trying to contact a dead person. Really you dummies this is borderline harass.

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 2016-05-24 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
on XXXX XXXX I have a medical emergency my husband called the XXXX to take me to the hospital when I got better I started to pay all my medical bills that a got in my mail boxXX/XX/XXXX I found that out by checking my credit that I have a collection from grant mercantile agency with the XXXX so I check my medical bills and I never receive any bill from them so I call them and ask them what was goin on and after while I found that our that they where sending the bill to the wrong address I want to setlle this out so they would help me fix my credit but they did n't want to help until I have paid the whole amount wich was from {$1200.00} to over XXXX I do n't know what to do, they did wrong and ruin my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I open account with chase bank in Nevada I had over {$10000.00} in saving and small checking account over {$5000.00} aftera few checks. then I did not have any activity in my account. I let mymoney stay in bank with combined of checking and saving over {$14000.00} I was very busy to remodeling my future property forbusiness I decided to check my account for balance to open newbusiness account. I notice that chase bank was deducting $ XXXXfrom my account every month clos to a year. 
I called the bank. the said they can only give me Three monthsback not any more. go to branch and talk to them. 
I did as they guided me. but the branch did not do anything. 
I had no choice to close my account and lost {$500.00} to chaseBank even the employee first refused to give my money back. 
and close the account for because I told him that I am going tocomplain through face book, internet, any where I can and have myvoice to be heard. then he said now since you said that call thisnumber and get your money from them. I showed reaction. and toldhim you need to pay me now and I have no desire to have anybanking with chase at all. therefore I closed my account with $ XXXXlose and left the bank that supposed to keep my money safe. 
instead they stole my money. I like to know what is my option. 
Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Universal Fidelity LP
State: ME

Complaint narrative:
automated message to call number XXXX regarding debt. 

I have no debt nor does my spouse as the only occupants at our household.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
As part of my agreement to pay the account in full the company agreed to delete the account from my credit reports. The account was paid in full on XXXX/XXXX/2014. To date the company has not forfilled there promise and the account is still on my credit reports. I called the company to follow and they stated that they will not stop reporting the account or ask the credit companies to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 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: Southwest Credit Systems, L.P.
State: NE

Complaint narrative:
I disputed this debt and on XXXX the agency removed it from my credit report. This company runs under many different names. I would get letter stating again, that I owe the debt. I would write back as required within 30 days stating I do not owe the debt, and requested proof that I owe it. I never received the proof, because I do not owe it. I sent the last letter out to their address and the letter was sent back to me, the letter was requesting proof that I owed the debt. Now, again, on XX/XX/XXXX, they are once again reporting it on my credit report. Mind you that this debt is from more than 5 years ago. They are reporting it as new, when it is not. In the state of Nebraska the statute states that the statute of limitation is 4 yeas, and mine falls under that category. I have explained to them I do not owe the debt, and the debt I had, I paid to the original creditor. Also, that I never lived at the address one of the services were provided. I am tired of this company reporting to my credit, and sending me letter from their sub companies in order to obtain money I do not owe. I have once again disputed with XXXX, and have decided to file this complaint. They have shady tactics to obtain money from a debt account they purchased. Originally it was with SW Credit Systems, I disputed it with them as well, then they " sold '' my account to XXXX XXXX, Or XXXX, and its subcompanies. I need them to stop and not to " sell '' this account to someone else so I can go through the same thing all over again.

Company response to consumer: Closed
Consumer complaint received 2015-05-20 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: Receivables Performance Management, LLC
State: WA

Complaint narrative:
I had added XXXX lines to my account with XXXX. My husband suddenly bailed on our marriage and cancelled those XXXX lines, incurring early termination fees. We each made a {$200.00} payment toward the {$1700.00} bill. The account was turned over to collecttions. Neither payment was reflected in the balance they were seeking. Within two months, I received bills from a different collection agency, again not reflecting our payments. I made regular payments to them on a monthly basis. A woman from the agency contacted me and proposed a settlement agreement. ; if paid {$210.00} for the next 3 months, the debt would be settled. I agreed and fulfilled my portion of the contract. She told me I would receive a letter after my last payment within 30 days stating the account was satisfied in full. The letter never arrived. I called her back ; she told me to call the " escalation department. '' When I did so, the phone was either not answered or answered by someone who just said hello and then hung up on me. Next, I received a bill from another collection agency asserting that I owed the amount that was supposed to have been written off. At this point, I have paid the entire balance ; there 's nothing to write off. The last collection agency is still trying to get {$600.00} from me. I was deceptively treated. XXXX has written off this account ; these people are trying to milk me for more money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I have an account with XXXX XXXX XXXX Privacy Assistance to monitor my credit. This month I called agency, RECEIVABLES PERFORM MGT/XXXX, that states that a dish account was opened under my social security number and that I owe {$80.00}. They reported it as a new account. They said that the XXXX service is for XXXX XXXX XXXX XXXX XXXX Georgia XXXX. I have never lived in Georgia. I already filled a complain to XXXX and XXXX, with a subject of identity theft.

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 2015-05-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending
State: IN

Complaint narrative:
While attending XXXX XXXX in XXXX IN from XX/XX/XXXX-XX/XX/XXXX I was paying for my student loan ( Genesis Lending ) every month. It was hard enough working a part time job and going to school, plus paying for one of my student loans on top of that? Sure, I believed them that it was what had to be done to stay in the program, but I needed a job quick that would start out with decent pay. Is it the amount they told me I would start off at, of course not! I have now been in my field for over 6 years, out of XXXX students in my class I was XXXX of XXXX that actually got a job in what we went to school for. I also believe that I am over paying for my schooling. I would like to know what my next steps are to get relief from paying the rest of my student loans back since I have already OVERPAID what other schools such as XXXX XXXX are charging for the same program and with a degree or if I will be receiving any money back that I feel this school system legitimately stole from me. I feel that it is only the right thing to do to relieve me from paying off the rest of my loans through Genesis and XXXX XXXX. Plus, giving me back some money that I feel I deserve from putting up with this nonsense. It 's been nothing but a struggle trying to go back to school because NO ONE takes any credits from XXXX. If you ask me I 'm so ashamed and EMBARRASSED to say that I actually went to XXXX. XXXX promised that any accredited school would accept credits from there, shame on me for believing them. I feel I 'm very well qualified to continue with my education, but thanks to XXXX I literally have to start all over with everything. NO credits, NO degree, NOTHING. I feel as a student that attended XXXX I deserve something, whether that be relief of the rest of my loans or some kind of refund. All I have to say is what a JOKE!

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 2016-08-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ACQ Holdings, LLC.
State: MO

Complaint narrative:
I asked XXXX in XXXX XXXX KS. for a payday loan of {$100.00} they sent me {$400.00} then took out {$300.00} and charged me {$10.00} for taking it out. Then my bank got overcharges i had not the money to pay so i said i would take the other {$300.00} and they put in {$400.00}, and then {$530.00} and now i am told i owe {$900.00}. I sent an email stating i can not pay that. And now they want to offer me another loan to get out of this loan. I am so confused and i do not know what to do. It is to my savings account which i want to close but can not because i am being overdraft {$26.00} that i do n't even have because they keep sending it through. What are my options please help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: NM

Complaint narrative:
The call multiple times a day- i do not know what debt they are attempting to collect as i have received no prior written communication from this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I received my escrow statement from the mortgage company that acquired our new loan from the originator bank. The escrow statement had my escrow shortage at {$840.00} and listed my county property taxes at {$4200.00}. This was going to increase our mortgage payment by {$280.00} a month. I knew that the county taxes were incorrect. I contacted the mortgage company and told them it was incorrect on XXXX XXXX. They told me to contact the county and then it should n't be a issue. I did this and even printed out the current county tax bill which is only {$2100.00}. I then called the mortgage company back and told them. They advised to fax the bill in and they would tax care of everything. I advised I was trying to take of this matter prior to XXXX XXXX when the next bill would be due. I called back every few days and kept getting the run around that someone was working on it and that they did receive my tax bill. I continued to do this until around XX/XX/XXXX when a rep advised that the case was closed and that they were n't going to do another escrow analysis until the next cycle, which would be XXXX 2017. I told them I was n't going to be paying double my county taxes for the next year to only get a refund in 2017. I knew that they could fix this. I 've been with another mortgage company for over 7 years. So I requested to speak with a manager. A manager finally called me back late that evening. She acted like she understood me and that she was going to get everything fixed. I 've since spoken with her a few times and each time have to re-explain the issues. Today XX/XX/XXXX, she called me back and thought that my complaint was that I had to pay the {$2100.00} on top of the {$4200.00}. I again explained I was being charged double and wanted to get the payment corrected so that I could make my regular monthly payment amount. She again advised that she was trying to get the issue fixed and waiting on new people. 

I feel that they are n't understanding what is needed to be fixed and that this is just going to continue.

Company response to consumer: Closed with explanation