vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: PA

Complaint narrative:
I lost my Netspend Debit Card back around XXXX 2016. I then discovered that XXXX unauthorized transactions were made. I immediately contacted Netspend Customer Service. The lost card was deactivated and an " investigation '' by Netspend began. I was informed by Netspend on XXXX XXXX 2016 that I will not be refunded the unauthorized transactions! They gave a lot of double talk as to why they made this decision, but at the end of the day, that money was stolen from my account, and the money is not Netspend 's but mine. 
So, I called the Customer Service number, and asked to speak to a Supervisor about this claim. I made a total of XXXX calls to Netspend. Each time I spoke to the Representative, I had to explain this claim, then they attempted to connect me to a Supervisor which never happened. 
XXXX XXXX @ XXXX-was on hold for 52 minutes XXXX XXXX @ XXXX, on hold for 10 minutes XXXX XXXX @ XXXX, on hold for 3 minutes XXXX XXXX @ XXXX, on hold for 21 minutes XXXX XXXX @ XXXX, on hold for 34 minutes Note, again, that I never got through to speak to a Supervisor about this claim. I have been in the XXXX for over 18 years ( XXXX ), and this ranks in the top XXXX, the worst way to handle a Customer Compliant. 
The sad thing is the amount is only {$250.00} that needs to be refunded, and the transactions were not authorized by me. Last, I placed a call to Netspend ; s Corporate Office on XXXX XXXX, 2016, but had to leave a voice mail message!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 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:
XXXX erroneously submitted my account to a collections company ( Southwest Credit Systems ) about an amount that I did not owe ( i.e., unreturned equipment and early termination fee for home security ). I returned the equipment and did n't terminate my home security contract as I transferred service due to moving. This is all well documented. Southwest Credit Systems called me several times, including at work and I asked them to stop. In addition, I told them that I was disputing the charges. They indicated that they were looking into it. Well, they are still persisting in trying to collect for an amount that I do not owe via letter after I told them that this was in error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Welcome Home Finance
State: PA

Complaint narrative:
We did our mortgage through Welcome Home Finance. I had asked several times for the appraisal prior to closing. We did not get the appraisal information until we showed up for closing. I learned later that we were supposed to have been given that information no less than three days prior to closing. The appraisal was dated well before the three-day prior date, so there does n't seem to be any reason for Welcome Home Finance to have not provided it to us. Maybe a week or two after the closing we were contacted by XXXX XXXX at Welcome Home Finance and told that there was a document that they forgot to have us sign. It turns out the document was a paper stating that we had been given the appraisal three days prior. XXXX asked us to back-date the document ( which I 'm pretty sure is illegal in ANY industry ) which we did because we did n't understand. We were first-time buyers and just wanted to be done and move on with getting our home settled. All they needed to do was to provide us the appraisal when it was done and they would n't have needed to go around the rules and ask us to sign and post-date a legal document.

Company response to consumer: Closed
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Netspend Corporation
State: TX

Complaint narrative:
XX/XX/XXXX in an attempt to make my water bill payment for {$110.00}, I added the mistake and put {$1100.00}. Upon receipt of confirmation of the transaction, I immediately contacted Netspend to request they reverse the pending transaction. They stated I needed to contact the merchant to have them submit reason authorization should be released, etc. I informed Netspend that the merchant stated payment had not been processed, so therefore, they do not have the funds. The merchant agreed to help me out and sent a receipt to Netspend stating that they would only process the initial payment of {$110.00} for the water bill. Upon receiving the receipt from the merchant, Netspend still refuses to release my {$1000.00} back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Sortis Financial, Inc.
State: MD

Complaint narrative:
ClearSpring Loan Services states I have a debt of {$950.00}. This is the XXXX or XXXX debt collector who has provided me with this debt. XXXX debt collector must be selling to another debt collector. They have stated this debt is a result of a foreclosure I had in XXXX XXXX. However, my research unveiled by calling the county court 's office of where the property was located, that the bank bought back the property for what was owed on the mortgage, no more. I reached out to the debt collector to give me more information about this debt on numerous occasions with a breakout of what this charge is for so I can verify. They 've agreed that they would do so on XXXX different occasions, but they never have. Each time, I get the same letter in the mail that says I have a debt of {$950.00}. No breakout whatsoever. They keep making empty promises, as the debt collectors call me every few days for the last couple years trying to collect. I grew so tired of them not abiding to their promises that I stop answering their calls. It is very frustrating, I keep getting the same runaround, and this has happened for several years. Additionally, I got a notice from them stating this : " As required by Section 46A-2-128 of the XXXX XXXX XXXX, ClearSpring Loan Services , Inc. is required to notify you of the following information concerning the account referenced above : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX - XXXX MRT Deficiencies can not sure you for it and XXXX - XXXX MRT Deficiencies can not report it to any credit reporting agencies. '' Even after receiving this notice, they still call me and try and collect on the apparent debt they say I owe. I called them to question this, and they stated that this notice does n't mean the debt goes away. I 've done everything I know of to research to see if there was a debt, requested the debt collector to send me a breakout of the debt so I can verify, but this has n't solved anything. I was so frustrated with them, I asked them never to call me again and that I wo n't pay them without being able to verify if this really is a debt of mine. However, they keep calling. I am writing because the debt still shows up on my credit report ; I would like that to be removed because I 'm under the impression when I go to get my next mortgage the bank securing the loan wo n't give it to me with a debt collection being reported. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WAFD BANK
State: OR

Complaint narrative:
My refi application process has stalled, my loan officer is not responding to emails.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 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: United Accounts, Inc.
State: WI

Complaint narrative:
I was a student and when I moved out of my apartment XXXX XXXX I paid the onsite manager for any and all cleaning. Apparently in XXXX XXXX the landlord decided they were due some cleaning money and or misc. costs. They chose not to contact me but instead sent it to a collection company with the address where I left not my home address that they had in the application. I found this out because my XXXX XXXX 's XXXX score showed a collection and I was told who the collection agency was I called them on XXXX/XXXX/XXXX and was told it was n't their problem they never sent me the notice to verify the debt. 
I believe the landlord provided a wrong address on purpose so it would be a collection action and I would be forced to pay it.If they would have provided my home address I could have responded to the collection companies XXXX notice.I also believe the collection company chose not to ask them for a good address because they did n't want me to reply. 
I am also concerned it took 7 months for the landlord to make that determination.

Company response to consumer: Closed
Consumer complaint received 2017-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp.
State: AZ

Complaint narrative:
United Auto Credit left threatening messages on my voicemail on more than one occasion. They left a voicemail on my phone before XXXX. They would call back after I ended the call and told them not to call minutes later. They continued to call my references cell phones after asked not to. They called my cell phone after asking not to. Once I received I text message saying they could find my vehicle. Would receive emails threatening the collateral no encrypted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems continues to report an account as in collections after it has been paid in full. While on the phone they stated with upon payment they would delete the account which they lied about. It 's still being reported as an account in collections which is negatively affecting my credit score

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
I took out an installment loan XX/XX/2016 for {$1700.00}. They paid off the balance of my car which was {$600.00}. When I signed my final loan papers, my payback the was on the screen stated {$2600.00}. I was off sick XX/XX/XXXX and when I looked again, my total payment for this loan was {$4000.00}. I immediately contacted them and asked them why it went up so much and they said this was the original amount. I tried to pull up the original info I signed and it wa sno longer available. I asked them how could they possibly charge me almost {$3000.00} for a {$1700.00} loan?? The interest rate is almost 591.00 % which is ridiculous! But with loop holes being in the Ohio consumer loan process, they get away with predatory lending which this is. They offer a loan amount to those who have bad credit and then charge a high payback along with ridiculous interest rates and fees. My car was almost paid off and now I am back in the whole with a 10 year old care fore 3-4 more years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
We have submitted numerous documents to obtain a loan modification from Specialized Loan Service, ( XXXX ) Loan No. XXXX. I never received their correspondence, even though I had a forwarding address since XXXX XXXX, XXXX ; they sent mail to the old address. I recently received the letter dated XXXX XXXX, XXXX, on XXXX XXXX, XXXX. I never received the requests for documents that were mentioned in the letter, and SLS has not set forth the documents that are needed. A Trustees Sale is set for XXXX XXXX, XXXX at XXXX. 
No reason for declining the modification was stated. We have submitted a new application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: VA

Complaint narrative:
I had originally contacted XXXX XXXX, which I had agreed to pay a loan at 135 % interest for XXXX years until it was paid back. They sold my loan to CashCall, and I still paid religiously from my checking account for over two years. I was paying nearly {$300.00} a month when I only borrowed {$2400.00} originally. I finally got sick of them taking money from my account and told my bank that they were no longer allowed to continue to receive payments, because the last XXXX times they caused my account to overdraw. Now they have been calling me daily from several different numbers almost every hour trying to get me to pay them. They even called my job and I spoke to one of their representatives and told them that I was no longer going to pay them because I had paid them every month over the last XXXX years and XXXX months, and feel that I have more than covered the amount that I originally borrowed and the interest. I had to tell them to never call my job again. According to my math I have paid them over $ 8k and honestly feel that I do not owe them anything more. I have even been receiving calls from a Private Number repeatedly that I refuse to answer because I think it may be them and I really have nothing more to say to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Management Company
State: FL

Complaint narrative:
I have contacted the original creditor and was informed that they never submitted the hospital bill to my car insurance or Medicare. I feel that they should release me from liability on this due to the fact that I was not informed of it until it was too late to submit it to either of my insurances. The hospital I was treated at received their payment. This was for the emergency physician I do n't feel this is right and should be removed.

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 2016-02-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
I took out a loan with One Main Financial and paid it on time, I applied to have my home refinanced and part of the requirements of the loan was for me to pay off One Main Financial. I told the I would be paying the off and needed a pay of amount. on XXXX/XXXX/XXXX I received a letter from them ( attached ) with the payoff amount of XXXX for XXXX XXXX, XXXX and said there would be a interest amount of {$5.00} everyday after that. I paid {$8500.00} on XXXX XXXX, XXXX. They did n't tell me anything after that and I asked for a receipt or printout of what was paid. On the print out it said I owed them {$350.00} more with no explanation and the charged me a late fee win I was paying interest for everyday I was late. I will send attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have XXXX accounts that are showing up with this company that were a result of my id 's being stolen and are fraudulent they are reporting on my credit file and the companies records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CASHCALL, INC.
State: OK

Complaint narrative:
I get daily calls from a creditor, regardless of the fact I have told them that I have no money at this time, and when I 'm able to go back to work, I will pay the debt. The tell me the same things, and ask the same questions every time they call and say they are 'making a note of my circumstances ' to try and get the calls stopped. They are generally abrupt, and sometimes rude, and tell me they will keep calling every day until I make an arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
Springleaf XXXX local office has taken out Hard Inquiries that were not authorized by me, amazingly 2 months apart - XXXX 2014 and XXXX 2014 - which is very stupid. 
I have not received any correspondence on these Inquiries concerning rejection. 
For my XXXX payment, of {$300.00}, they have only credited me with a payment of {$300.00}, with no visible reasons on the Springleaf website or correspondence of receipt. 
My receipt information shows a check of {$300.00} through XXXX XXXX Transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: FL

Complaint narrative:
This claim regards labwork that was covered 100 % by XXXX.I sent in an appeal to XXXX. I did not find out about this balance until XX/XX/2016. I immeditaely addressed this by sending un an appeal.I contacte myXXXX XXXX office and requestsed that they submit a corrected addendum if XXXX codes to correct this bill by XXXX. I am still wainting on a response. XXXX covers all pre-screening and preventative lab work. I am not responsible. Please remove from collections. Thank you 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 2016-06-24 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
Live in apartment complex " XXXX XXXX '' for close to 7 years. Payments for rent always on time however, it was an unsafe living situation, Report made o housing authority for leaking roof and rampant growing mold. Had just XXXX and management continued to refuse to fix mold problem. Had to move due to health issues. Now the apartment complex is still charging {$1800.00} for broken lease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Payday Loan, LLC (CA)
State: CA

Complaint narrative:
Payday Loan LLC did not credit my payment to my account and now they are reporting it as charged off on my credit report. As a XXXX XXXX who would like to be able to purchase a home, this mark is hurting my credit and my ability to access my XXXX 's benefits. Repaying with a cash payment is apparently a way that they can fraud people! I would not allow {$310.00} to ruin my chances at buying a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16 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: Penn Credit Corporation
State: GA

Complaint narrative:
I paid a debt i was unaware of to the XXXX of XXXX XXXX department. It was from a house i rented five years ago and just recently showed up on my credit report. The collector was unable to actually receive payment so i went and paid in person at the XXXX XXXX XXXX payment window. Now Penn Credit the debt collector and/or the XXXX of XXXX XXXX department are not updating the credit beureau 's that the debt is paid in full!! I have sent XXXX letters and numerous phone calls to each. I even submitted the bank statement showing the transaction paying the city.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I have asked Cash Call on several occasions now to refrain from contacting me at work. They called again today, and this is not acceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Actually, talked to me about someone else 's debt. By calling me trying to collect someone else 's debt, and then telling me their company name, they revealed to me that the person they named owes a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Penn credit reported a new debt without contacting me directly. I would have asked for verification per law, and if verified paid it in full before it was added to credit report. I have never been contacted by this collection company for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation