vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-23 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I purchased an IPod from XXXX online. While the transaction went through, I tracked my order on line after I got a message that read order cancelled. I contacted Ace/elite Net spend and a Customer representative informed me that the " money was still there '' but had been frozen after a few days of the transaction and referred me back to XXXX. When I contacted XXXX they reported they could not 'pull their money. Again XXXX asked me to go back to Ace/Elite Netspend and a Clerk advised me to get back to XXXX and requests XXXX makes a Request in Writing!!! XXXX this time, I felt Netspend is playing games with my money and I request my money, but I am being shuffled around. 
I am demanding my funds effectively immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been faithfully been paying {$220.00} toward my private student loan of {$35000.00} and Navient turned around called me today and increased my payment to {$480.00}. I asked them about doing some type of repayment plan with a less amount for a longer period and they said it was nothing they could do about it. I am a single mother of XXXX children ( XXXX ) which I can hardly buy food or pay rent in the XXXX bedroom aprtment we live in now. I am a XXXX and work night shifts and it is affecting my health, rushing home to get my children up, fed and ready for school. I ca n't even go over homework with them and they fall behind due to my schedule trying to make money to pay back all this school debt which is {$150000.00}. I need help and nobody can seem to provide relief for me. It 's not fair to my children that I can not be there for them. I went to XXXX University and graduated and successfully have a career in XXXX as an XXXX but XXXX knows if I could pay all this school loan debt I would but this is taxing on my life, my children, and my health. I need HELP! If you can provide me with help or someone to contact please call me XXXX I ca n't take this anymore. My Aunt cosigned for me to get this loan so that I could continue my education to become a XXXX and I do n't want to let her down by going in default. Please, please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I was XXXX at the time of the collection and did not have anything owed to in my name. This is a mistake and is hurting my credit. I do not have an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Last week we settled a debt with the law firm, XXXX , XXXX XXXX XXXX XXXX, XXXX. They represented Huntington Bank in a repossession of a car. They told us we had to pay a minimum of {$2000.00} to get the hold taken off of the bank account I have with my husband. We paid {$7000.00} and they were willing to call the debt paid since that was the bulk of the debt. They told us all holds would be taken off and they would handle the legal work. We asked for documentation that the debt had been paid and that we would n't be bothered by them again. It has been a week later and the hold on our bank account has not been taken off and we have received no documentation that the debt has been paid. We want this finished. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
My father ( recently deceased ) had co-signed for private law loans and had been repaying them. Navient apparently bought the loans from XXXX XXXX. I contacted Navient and let them know I could not make the payment my dad was making but that I wanted to pay and not go in default. I said I could provide them with paperwork showing my recent bankruptcy, my snap aid for food, my pay stubs, evidence of my single parenthood, evidence of my federal aid being in economic hardship forbarence and anything else they might need to determine my eligibility for lower payments. They were of no help. They would not offer even gradually increasing payments over time. It seems like they just want me to default!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 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: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
This is not my debt. I have reported it to XXXX and XXXX and they will not remove it. THIS WAS LISTED ON MY REPORT IN THE PAST FEW YEARS WITH A DIFFERENT COLLECTION COMPANY AND A DIFFERENT HOME ADDRESS. I HAVE NEVER HAD A DEBT WITH XXXX. This is fraudulent. I have never been contacted by XXXX OR THIS COMPANY. I did not request or use any services from this provider. I have no idea why this is on my report. EVERY FEW YEARS IT APPEARS AGAIN, I COMPLAIN FOR MONTHS TO EVERY AGENCY WRITE NUMEROUS LETTERS ; THEN IT GOES AWAY FOR A FEW MONTHS AND COMES BACK AGAIN WITH ANOTHER COLLECTION COMPANY. I want this permanently removed.This is creating damage to my good name. PLEASE REMOVE IT AND CHARGE THIS COMPANY ACCORDINGLY I do not use XXXX services now and I have never had this serviceThe bill list the service started XX/XX/XXXX. I have no knowledge and I have never used it. 
SOUTHWEST CREDIT SYSTEMSAddress:XXXX , TX XXXX ( XXXX ) XXXX Account Number:XXXXOriginal Creditor : XXXXTAddress Identification Number:XXXXStatus : Collection account. {$150.00} past due as of XX/XX/XXXX. 

Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX. 
Date Opened:XXXX/XXXXReported Since:XXXX/XXXXDate of Status:XXXX/XXXXLast Reported:XXXX/XXXX Type : CollectionTerms:XXXX MonthsMonthly Payment : $ XXXXResponsibility : IndividualCredit Limit/Original Amount : $ XXXXHigh Balance : NARecent Balance : $ XXXXRecent Payment : {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Netspend Corporation
State: CO

Complaint narrative:
I while trying to log on to my Pre-Paid Visa account with Ace Elite/Net Spend, with my card ending in XXXX, I forgot the password and as usual went to the lost password link, I then entered the information and was sent via my e-mail a temporary password, but when I would go back and enter it in, I would receive a " account locked '' message and for me to call the toll free number, I do and then am told it is unlocked, I even received an e-mail that my account is unlocked, but then when I attempt to do the same function, the same message shows, this went on many times over the course of 2+ days. I sent Ace Elite a e-mail about the troubles and it was signed by a " XXXX '' that passwords and user names are case sensitive and that for me to try it again, this time I tired to guess the password and the same message appeared that my account is locked. I receive my Social Security benefits : SSI and XXXX with this card and did get fed up and I went into the Social Security Office to change my direct deposit canceling Ace Elite/Net Spend and picking up the official debit card for Social Security ; XXXX XXXX but I still need to get into account to print statements, can you help me as I feel this is no longer a professional and business experience with this company and I need outside intervention. 
My Social Security Number is : XXXX My Date of Birth is : XX/XX/XXXX My E-mail Address under the card is : XXXXXXXXXXXX Account Number : UNKNOWN Dear Cardholder, Thank you for contacting NetSpend Customer Care! 

I am sorry to hear that you are having problem accessing your online account. 

Please note that your username and password are case sensitive. If you have forgotten your username or password, please click the " Forgot Password '' link located below the password box. You will be asked to answer a few security questions and then, you may create a new username or password. Once you do that, you will be able to login to your account. 

Furthermore, I am unable to locate your account with the information provided. If the troubleshooting steps above do not work, I suggest that you call our Customer Care line so they may assist you further with this matter as I am unable to do so via this email conversation. I apologize for any inconvenience this has caused you. 

Thank you for choosing NetSpend. Have a great day! 

XXXX Customer Care Specialist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 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: MN

Complaint narrative:
I was previously a customer of XXXX. I cancelled my account and paid the final amount due in full, but an additional amount was reported to collections. XXXX claimed I had XXXX digital set top boxes, and did n't return XXXX of them. At the time, I lived in a XXXX, and definitely did not have a need for or possess more than one cable box. 

When I received a notice from the debt collection agency XXXX referred the bill to, Southwest Credit Systems, I requested that the debt be validated XXXX days after their initial contact. They did not respond, and have not responded to repeated requests to validate this debt. I 've filed disputes with the credit bureaus, but each time they claim the debt is valid based on information that Southwest Credit Systems supplies to them, but has never provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Netspend Corporation
State: UT

Complaint narrative:
This is regarding Netspend which offers XXXX dollar bonus to XXXX the referrer and referee when the referee orders a new card and loads it with XXXX dollars. I have been refered by my friend and I have ordered new card and loaded that card as well with XXXX dollars and satisfied all the requirements for the XXXX dollars bonus which never got credited. I have been calling customer care representatives multiple times and every time i get an assurance that my card will be loaded with the bonus. However, it never happens. I have contacted at least 10 times to customer services of Netspend and every time they assure me that I will get the bonus by next day but it never happens. I have met all the requirements for the bonus but we have not received the bonus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum
State: ME

Complaint narrative:
someone from XXXX XXXX XXXX, phone number XXXX has been calling daily stating they will take legal action. They do not state whom they are calling for and the message is a robo-voice. I have received no written information on this debt and there is no listing anywhere for a collection agency called XXXX XXXX XXXX. I do believe this is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Southwest Credit Systems I has illegally re-aged the " Date First Reported/Date First Delinquency '' for an unpaid cable bill from XX/XX/XXXX. They have showed multiple different Dates of First Delinquency. This account was closed in XXXX XXXX and I have not had any communication with XXXX or Southwest since XXXX XXXX. I have attached a copy of my XXXX Credit Report which shows the Date of 1st Delinquency in XXXX. I have also attached a copy of my XXXX report which states " This account is scheduled to continue on record until XXXX XXXX. ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
We got XXXX XXXX tax forms from HFC with XXXX sets of numbers, I called HFC and they told me that their company has sold all their mortgages to a company called XXXX XXXX. so I explained that I should call this company they proceded to tell me that they have n't received any paperwork from HFC that we would have to wait at least 3 weeks or so I explained that we were doing our taxes because we were going XXXX and needed to get them done, he said that wasent their problem, I explained that I spoke to the IRS and they told me to send in our taxes and I explained that if we were audited that they would be responsible because this is what the IRS told me to tell them the gentleman from XXXX XXXX told me to get a lawyer.he was very nasty.When we got a mortgage loan in XXXX from HFC they took out XXXX for our loan payment everyweek through XXXX.they told us if we pd weekly that we could pay the loan off much quicker, then we purchased a new vehicle in XXXX XXXX and financed that loan through XXXX in which HFC ended buying them out then HFC bought out XXXX out.So that is how HFC ended up with our car loan.We did not know this until we went to sell the vehicle that HFC had purchased XXXX, but HFC did not keep the accounts separate they added the car loan as a remortgage, So that is why they still have us owing XXXX for a house mortgage.Then this past XXXX they added XXXX XXXX XXXX to the same loan for taxes, we always have paid our own taxes, we did n't have escrow.They ended up paying somebody elses taxes and added it to our loan.The family that they pthey said they paid the taxes paid their own taxes, they are n't even mortgaged through HFC.This has been going on for years.I am about ready to stop all paynents to this company.They have scammed people over and over, Thant is why they are probably going out of business.We are about ready to get an attorney.I asked for the document from XXXX to now I got the documents for every month except the month of XXXX XXXX those are the documents I asked for and have asked for for years and they have n't sent them.Everything I have faxed to them they said they never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a Bank of America customer. I have a savings, checking, and credit card with them. I received an alert on my phone that I was charged a {$12.00} fee on my savings account for overdrafting my checking account. I did not overdraft my checking and called customer service. Remind you this is the XXXX or XXXX time that this has happened. I was placed on hold for over XXXX minutes and the representative still could not explain to me why I was charged the fee. I called back and spoke to another representative who was VERY rude XXXX XXXX from Nevada XXXX. He laughed at me for not understanding his explanation. He then said, " the computer system will automatically charge a fee if it THINKS you are going to overdraft. '' This made no sense to me and waived red flags. He then said, " that feature is for people that do not minitor your account as closely as you. '' This raised more red flags. I asked, so if I did n't notice and did n't call in then I would still be charged a overdraft fee, when I actually did not overdraft? I was laughed at and made to feel stupid because he could n't provide an answer that made sense to me. I was transferred to a supervisor, the fee was waived, and the supervisor had to do further research because she could n't provide an explanation either. This seems very suspicious and sketchy to me. It may be a glitch in their system, but I wonder how many Bank of America consumers do not notice these absurd fees? I apparently monitor my account to closely, according to Bank of America representative ; XXXX from 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 with monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had fraudulent activity occur on my Bank of America Checking Account between XXXX XXXX - XXXX XXXX. I called in and filed a claim upon seeing this activity on my account, as the charges could not have come from me being that occured XXXX when I was in XXXX for business with my company. 

The bank refunded me the money stolen while they performed their investigation, but they failed to cancel the temporary card that these transactions occured on and fraud happened AGAIN on my account from XXXX - XXXX. They apologized for failing to cancel the breached card and credit my account once again but, 2-3 weeks later removed the money from my account stating that I could have made those fraudulent charges. I 've supplied them with documents from XXXX XXXX and the XXXX XXXX XXXX proving my stay there. I 've also showed the bank evidence of someone monitoring my account for funds XXXX making balance inquiries XXXX in the states of XXXX and XXXX and taking those funds only once I was paid and my accounts had a positive balance. 

Even with this proof and cooperation from the Airlines and Hotel showing my flight to and stay XXXX, Bank of America has still been reluctant to give me back money that is rightfully mine although I clearly was not in the state to make those transactions and have proof. My account with Bank of America has been compromised prior to this happening and was even compromised 2 weeks ago, although no money was taken this time but it still shows security flaws with their products. 

The claim is being reevaluated again, but the bank has been such a hassle to work with and the notes they 've been making on the claim have been unclear even to other representatives who end up handling the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
It takes over a month for them to post payments that are made in excessive of what is due, so they can continue to charge more interest. I made the payments online, so I should n't have to pay a penalty for them taking so long. I also do n't agree with the interest charged. The interest should be less each month due to my overall loan status going down, but it is n't. When I was making payments through the mail, Navient would post the extra money I paid on the lower interest loans as well. This should automatically go towards the higher interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My private student loan is handled by Navient. My payment for this loan is {$82.00} per month and is due on the XXXX of each month. For well over a year now I have been making an increased payment of {$120.00} a month, but the loan is still earning interest in between that time. I sent an email to Navient regarding the same and received the following response : Dear XXXX, Thank you for your inquiry and for your business with Navient. 

Interest accrues daily based upon your principal balance and interest rate. When your balance is higher, you? re accruing more interest. As your balance decreases, you? ll accrue less. 

The number of days between payments determines the amount applied to interest from each payment. All payments are first applied to outstanding late fees ( if any ) and accrued interest. Whatever remains is applied to principal. 

In order to maximize the payments that you send, it? s a good idea to send them regularly - meaning every 30 days or so. If you let too much time pass before sending a payment, more interest will accrue. 

When you make a payment that is greater than your monthly payment amount, the payment is credited first to satisfy your current and any outstanding payments due. Any additional amount is applied toward future payments. 

If the additional amount is enough to satisfy a full future payment, your next billing statement will reflect {$0.00} Current Monthly Payment Amount Due. If the additional amount only partially satisfies a future installment, your Current Monthly Payment Amount Due will be a portion of your monthly installment amount. 

If you receive a bill for {$0.00} amount due, you may continue to make payments since interest will continue to accrue on your outstanding principal balance. 

If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX to XXXX., and Friday XXXX to 8:00 p.m., ET. 

Sincerely, XXXX, Your Navient Email Representative Navient says in its response that if I make payments every 30 days, the loan will " accrue no interest. '' See above response. Please help me find out what is going on. Thank you.

Company response to consumer: Closed with explanation