vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum
State: AZ

Complaint narrative:
I 've not had any written communication from this company. I have received two calls that do n't say it 's debt collection but that 's implied. They do n't say who they 're calling for. Here 's the transcription of the messages left from the two calls. 

XXXX/XXXX/15 XXXXHello, this is XXXX. We have some papers in your name and address that 's??? an investigation. They require your immediate attention. We need a return call back to me so that we can report to you 've been quoted in compliant in our investigation. Our office number is XXXX XXXX ) XXXX Please reference file number???? when calling. Have a good day. 

XXXX/XXXX/15 XXXXThis is the final courtesy call from XXXX XXXX XXXX before reporting that you 've been uncooperative in the investigation against you.??? hear from either yourself or your legal representation today we 'll be left with no recourse other then to report your noncompliance in this issue to the proper jurisdiction. Our office number is XXXX XXXX ) XXXX Please reference file number????. Thanks, we look forward your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I received an unknown bill from Southwest Credit representing XXXX on XXXX XXXX. The bill was for {$62.00}. I have never paid XXXX less than {$90.00} per month and I do have another XXXX account currently. No invoice was received from XXXX. I am of course happy to pay the bill with proper communication and explanation - I paid it to protect my credit. 

Southewst Credit called my parents before I was contacted. According to the XXXX XXXX XXXX Collection Practices Act this is not allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I closed my account at Huntington Bank in XXXX on XXXX XXXX XXXX and they kept it open and continued to bully me through unauthorized usage of my account which is unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 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: OH

Complaint narrative:
Stated clearly that only current dated verification materials would be accepted, as a pending FCC complaint is ongoing. Debt collector has misrepresented themselves as being in real-time contact with the original creditor. Presented nearly two year-old material as " verification, '' in direct contrast to the request made. Debt collector has also failed to provide itemized debt verification, and has artificially inflated the amount of debt for their own gain.

Company response to consumer: Closed
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
Eaton Group Attorneys are collecting an alleged debt for XXXX XXXX XXXX and continue to contact me at my place of employment ( also a law office ), leaving recorded messages, voice mails on my employer 's phone and it is an automated call. I have written, faxed and e-mailed Eaton Group, provided them videos of the recorded calls and voice mails, and photographs of the caller I.D . at the law office where I work together with an Exhibit listing the dates and times of the ongoing calls and they still will not discontinue the calls. I have been verbally warned by my employer not to continue receiving " personal '' calls at the office and am in fear of losing my job!! 

Because I can not seem to get anywhere with Eaton Group directly, this is my next line of action. 

I have also provided Eaton Group with an Affidavit showing that the XXXX XXXX card for which they are trying to collect was never in my possession and was likely stolen along with my vehicle a couple of years ago as that was around the same time that whoever stole the car also started using the credit card. I have disputed owing the debt but doing so is like talking to a brick wall. They do not seem to " follow the rules '' when it comes to debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Just as what happened at XXXX XXXX XXXX whom transferred my account without my consent to Huntington Bank monies were removed via late fees which now are getting close to {$1000.00} per month for the last 3 months. several times late fees were changed to my account without any reason at first they were removed now they 're getting worse. I called and requested that charges be removed and my account audited for the year. Bank officer on phone XXXX said they would send me a email how to get a audit, the email never came. I requested this on XXXX/XXXX/2016. Now I have filed several complaints which have proven with paperwork to be correct but I have never been refunded on any of the cases I filed with CFPB, FTC, DOJ or any legal agency even though my paperwork was use to prove cases. This I believe is a criminal organization which seems to get people inside banks, agencies to commit fraud then violate me in trying to protect reputation including Federal agencies whom I sent paperwork and went in person to give paperwork to FBI, IRS etc. As for CFPB I have received after filing complaint a call which states that I should call a phone number I do so but the number never answers and phone company states number out of order. Just In the last several months means to directly contact Huntington has gone from website there is n't any chat, email or a direct address to headquarters when there used to be able to do so online. 
In conclusion I have filed similar complaints sent in evidence as I did for my former home address when several banks fraudulently use a similar address to mine to file fake mortgages then when I reported case to FBI and police cases would be filed without trial to protect government officials involved in fraud. ( XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX ). I sent in claim paperwork to DOJ law firm in XXXX and have heard nothing for the last 3 years, likewise for my bank complaints like XXXX and now the same thing at Huntington Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-24 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: TX

Complaint narrative:
I previously had cable services thru XX/XX/XXXX with XXXX. Upon moving in XXXX XXXX, I lost a cable box, therefore, I was being billed for the box. I finally found the box in XXXX XXXX and called XXXX to see if I could still return it. I was told that once I returned the box, my balance would be {$0.00}. I returned the box on XXXX/XXXX/XXXX at their XXXX, TX store. I have attached the receipt given to me to reflect the return. After returning the equipment, I never received any calls nor notification from XXXX that I owed anything else. 3 years later, I noticed that a collection account by SW Credit was placed on my credit bureaus for the {$200.00} that was previously owed before I returned the box.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MT

Complaint narrative:
Recording says that they are seeking information concerning a debt and to please call XXXX. The recording then stops. They call daily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
In XXXX 2016 called First Hawaiian Bank 's Consumer Service to let them know about a fraudulent charge on my credit card. The representative said she would reverse the charge and told me the balance I owed which I paid. This same fraudulent charge appeared back on my next statement so I wrote a letter regarding such to XXXX XXXX the Ops Mgr. He says that I should have placed my complaint in writing and that the time to do so had Expired. To me this is disingenuous and hypocritical. My response is that their Customer Service representative led me to believe that the problem had been resolved. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Law Offices of Gary H. Kreppel P.C.
State: MA

Complaint narrative:
In XXXX I defaulted on my student loan. I went to court with the company that was seeking repayment and told them that I was willing to work out a deal to repay my loan. The company decided not to pursue the debt at they missed court dates. The case was dismissed in court. 

During about the same time but before the original case was dismissed another company came and filled suit at the same court house for the same debt. I had no idea that this company filed a civil complaint. The paper work i received I believed to be from the original company. I was being sued at the same court house for the same debt at the same time.This all happened in XXXX. 

Finally when I realized this it was XXXX. I filed a motion to dismiss the case which the judge granted but also said that this case would start from square XXXX. 

I do not believe this second company owns the debt and I should be protected from this type of practice debt collection practice. I have not been able to find an attorney to take the case and have been looking for months. 

I can email more details about my complaint including documents for you to better understand.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ESCALLATE, LLC
State: IL

Complaint narrative:
i been paying this sence XXXX i asked them to send bill. they said no. just send money. they wont send a bill but will add interest and late charges. i dont know how much i owe anymore. it 's been along time.

Company response to consumer: Closed
Consumer complaint received 2016-04-27 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CHECK INTO CASH INC.
State: IN

Complaint narrative:
XXXX sent me a email telling me i owed a certain amount of money for a payday loan that is less than what they are saying. When i looked up ace cash services i found out its a scam company trying to recieve money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ESCALLATE, LLC
State: OH

Complaint narrative:
I spoke with this collection agency about accounts in my name and XXXX representative was extremely rude and disrespectful. Prior to speaking with her i received threat phone calls with this agency {$100.00} and more. Every time i speak with a deb collector i ask for a full description of any bill and all other information needed to confirm any amount due. I advised that my insurance paid these accounts and she did not listen and tells me that i have more account than what is reported on file. The information they have of me phone number, address, are all invalid information. I have accounts on my credit report and was not informed by any such debt by mail ever.

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 2015-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
I received a document delivered by the Sheriff of the county I live in. I was not home and the document was attached to the front door of my residence. I immediately called the Sheriff once I got home and read the document. The document said I owed a debt and listed the dollar amount of the debt on the document. The sheriff and other unknown persons were able to see my personal financial information. The debt collection agency threatened to take my vehicle as payment if I did not call them immediately and set up a payment plan. The sheriff also called the debt collection agency and he was told too that they would take my vehicle as payment if I did not call and set up a payment plan. I began to have a XXXX XXXX and contacted my M.D. I was prescribed XXXX to control my XXXX and prevent me from XXXX. I began to suffer from XXXX the same night as the document was left on my front door ; I returned to my M.D. suffering from XXXX and prescribed XXXX. After I got myself healthy adn back on track I was able to stop taking the XXXX but I still suffer from anxiety as I look over my shoulder feeling as though someone is going to take my vehicle as I go into XXXX to pick up a few groceries. It 's an awful feeling and as I am unemployed but actively looking for employment ; a payment plan is impossible as I am living off of my savings after moving into my mother 's home unable to pay rent or live independently due to unemployment and lack of money. My vehicle is paid off but the debt collection agency said they put a hold on the VIN so I could not transer the title into another name ; the hold on the VIN makes it impossible to sell the vehicle and buy a cheaper vehicle in order to make a lttle profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: ESCALLATE, LLC
State: GA

Complaint narrative:
XXXX of New York charged me for a service that was utterly fraudulent. They claimed to have to have done a XXXX, when in fact they did virtually nothing. The description of the procedure was absolutely false. Clearly they were trying to justify a large charge to my insurance company.

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 2015-04-08 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: POPULAR BANK
State: NY

Complaint narrative:
sent XXXX XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX XXXX XXXX XXXX in cash advance to receive a XXXX loan reinbust of XXXX total of XXXX threw XXXX wanted me to send more money of just about XXXX per pick up to receive funds on XXXX XXXX XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has charged me over {$600.00} in overdraft fees in a matter of days. I started to receive these fees everyday for unauthorized transactions. They were no help in the end, my dispute was just passed around to different departments who provided me with inaccurate information just to get me off of the phone. This bank has me very angry because they are careless about their customers. They are very inconsiderate about people who have to pay for bills and rent. The dispute was supposed to take 10 business days but they responded to me the same day saying, " Unfortunately there is nothing we can do. '' Which just goes to show that they did n't even take the time to really look into my claim. They were recently sued due to similar situations but obviously loosing customers does not matter to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a 7-day fare-lock service for a XXXX flight with my Discover card. The automatic purchase was not selected at the time of the purchase. Prior to fare lock expiration, I purchased the ticket using the XXXX credit service. After the purchase I received notification from XXXX regarding the recent purchase from XXXX. I chose XXXX due to the promotional offer of 0 % APR for 6 months for purchases over {$99.00}. I noticed the charge on my Discover card several days after the initial purchase. My XXXX credit account is not linked to my Discover credit card. I contacted Discover, XXXX and XXXX XXXX about the use of the incorrect card, initiated by XXXX XXXX, for the purchase of the flight ticket. XXXX stated the charge was pending due to XXXX not taking the necessary steps to confirm the payment. I gave XXXX all relevant information I gathered from XXXX including transaction ID information and was assured by XXXX that an investigation would take place and a resolution would be found. I called XXXX XXXX additional times and was told an investigation was underway. During this time I am also disputing the charge on my Discover account because I did not initiate the flight purchase transaction using my Discover card. I cancelled the flight due to the impending investigation. I am continuing to dispute the transaction on my Discover card because I did not initiate the transaction on my Discover card and XXXX has also supplied information verifying this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: WA

Complaint narrative:
To whom this may concern, I 'm writing to seek some assistants in regards to a property that I 've tried for several months since XX/XX/XXXX to complete a short sale on a home. The lender has not called us back or followed up with us. The person assigned mentioned last time we spoke with was over a month ago said that she was going to review the documents and offer, if she was missing anything she was going to call us and let us know, we never heard back. So we called and called with no call back. Once we got her on the phone she did n't remember the conversation and once again told us that she would review the documents and offer and submit it over to the investor for approval, we still have n't heard back. We 've called left at least 3 messages a week on her voice mail with no return call back. They have linked my office phone to only go to her extension so I ca n't talk to anyone else. Now they have set another foreclosure sale date set for XXXX XXXX. They are not reviewing the file or the short sale of the home and will not advise us as to why or follow up with our numerous attempts. Please help us in away possible as we have had this offer with them since XXXX XXXX 2015. This seller has filed bankruptcy and the lender has tried 3 times to take the seller to court to foreclosure on the property but everytime it 's thrown out because this property has a bad deed. In XX/XX/XXXX we 've also submitted in a value dispute with no response back in regards to that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc.
State: FL

Complaint narrative:
I got a heloc loan with XXXX XXXX XXXX XXXX 2006 .. the loan was transfered to XXXX XXXX XXXX ..XXXX XXXX had pmi insurance on the heloc ..the loan went into default and was transfered to XXXX XXXX XXXX XXXX, XXXX . there I spoke to a representative there who told me that the loan was paid in full by XXXX XXXX XXXX. now a company call FCI lender Services inc XXXX XXXX XXXX XXXX Ca XXXX is threatening to foreclose on my property. my concern is if the loan was paid in full by XXXX XXXX XXXX with pmi insurance how can this debt be collected on again.. and can they foreclose on my property..?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation