vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
A joint credit card that my ex husband and I had was sent to a collection agency. I agreed to pay them starting 2009. My ex husband filed bankruptcy but I did not. This credit card was discharged in his bankruptcy case. The collection agency stopped taking payments out of my bank account at that point. Now a new attorney office/collection agency is coming after me for the balance even though it was listed in bankruptcy and paid through my ex husband 's bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 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: First Advantage LNS Inc.
State: MD

Complaint narrative:
I recently moved out of XXXX XXXX Apartments owned and managed by XXXX XXXX in XXXX, Delaware. My deposit has been held due to improper accounting and the local office, charged with clarifying any complaints, has yet to act to correct this claim with the corporate office. I have receive no communication from the corporate office after numerous attempts to rectify the situation. Instead, I have been issued a collection request from National Credit Audit Corporation. I have scans of my original lease documents and the money orders used to zero any balance remaining on my account. The local office claims they have no record of the money orders, although I have emailed them the scanned copies of the receipt I received in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pono Ventures Inc.
State: TX

Complaint narrative:
Debt can not possibly be mine. During the times that this company is reporting " Date Opened '' and " Date of Status '' I was XXXX in support of XXXX to both the XXXX XXXX XXXX at XXXX XXXX California and XXXX XXXX. I have disputed this account in the past and received no results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 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: CO

Complaint narrative:
A company named Receivables Performance Management has placed a false and fictitious collection that was previously filed by another collection company XXXX XXXX and removed back in XXXX 2016. This is the ongoing debt that was paid to XXXX XXXX when they installed my service. The initial installation had a defective receiver and they had a technician come out and replace it and he took the defective receiver with him. They billed and charged me for the defective receiver I never had. I made many attempts to get XXXX XXXX to reimburse me for overcharging me and they never refunded my money. In addition they falsely advertised they would send me a {$200.00} Visa gift card for signing up with their service, which they never delivered to me. I am attaching a copy of my credit card statement to demonstrated I was falsely billed and overcharged for their services. In addition I am attaching a copy of the XXXX receipt of proof the last receiver being returned to XXXX along with copies of the previous dispute in XXXX and correspondence with XXXX. I am not sure how a collection company can falsely attach a fictitious claim against me and not be held accountable for their crooked actions. Again, my statements are true and correct and you may contact me at XXXX or XXXX or XXXXXXXXXXXX to discuss the matter further.

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 2016-06-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Andreu, Palma & Andreu, PL
State: WA

Complaint narrative:
I was asked to not be contacted 3 times by a certain debt collector, and continue to receive letters that are inaccurate and should be consider harassment. They need to be investigated for not operating ethically or legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I receive multiple calls per day. I know that collection efforts must take place between XXXX and XXXX in the recipients time zone and calls can not be made on Sundays. They are violating all of these.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Genesis Lending
State: FL

Complaint narrative:
I attended XXXX campus in XXXX XXXX to XXXX XXXX in the XXXX degree. I was forced to open a private student loan through the campuses financial company. They called it a Genesis loan. The loan amount was for XXXX. It was to cover the difference of tuition that my federal student loans did not cover. I currently have XXXX in federal loans due to this school that was found to have fraudulent financial practices such as inflating tuition and making students take out these private loans. I need help in forgiving this loan due to the fraudulent financial practices of my school.

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 2016-11-21 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: First Advantage LNS Inc.
State: VA

Complaint narrative:
Apartment complex automatically renewed lease after having written them to close lease at the end of original terms. The complex never did so, a few months later I received a letter from a dept collector in an attempt to collect this debt that I was not away of. Since I had wrote the originator of this debt telling them I would not be renewing. I then wrote the collection agency request ion information of verification of the debt, however I never received any information back from the collection agency. I have never received any calls or attempts to colllect this, so I thought the matter was closed until I saw it on my credit report. Now, it shows on XXXX different credit reports under XXXX different names.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 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: WV

Complaint narrative:
RPM placed a derogatory comment on my credit report, regarding a disputed debt with XXXX. XXXX has recently contacted me to say they have reversed the disputed amount in question and will contact RPM to remove any derogatory comments or other items that might affect my credit. RPM should remove any negative comments regarding my credit, as promised by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: VA

Complaint narrative:
I brought a XXXX debit card. I loaded XXXX on the card. At XXXX. I tried to activate the card.and was told I ca n't activate becuase there is a restriction on account. Representative said she will send a email to have it removed in 4 hrs. The next day I called to check on the status is the Restriction. The automatic machine allow me to complete activation. XXXX I finish it said my balance was XXXX. I asked customer service, they said it was a debit for XXXX i owed net spend from XX/XX/XXXX I have filed bankruptcy in XX/XX/XXXX and it was discharged. Also I do n't understand how I owe money on a pre paid card. When I asked for proof of debt they said they do n't have it. And to be honest the last time I hand net spend was in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-25 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: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
I have continued for weeks calling Southwest Credit Systems to get the fraudulent account that was set up in my name cleared from collections. I have spoken to Southwest on two occasions to verify I have a fraudulent account. They have confirmed that I do have an account, every time I get transferred to the fraud department there is only an answering machine. I have left dozens of messages with the fraud department and they have not called me back. I am trying to get all XXXX credit companies to clear this collection account that was not made by me. I am unable to do so because Southwest collections will not work with me, or call me to work this situation out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-04 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: TX

Complaint narrative:
I contacted XXXX on multiple occasions to resolve this issue that they sold an account with my name and social to a debt recovery agency and the account was never mines to begin with. I have had XXXX service for the last six years. My identity was stolen some years ago and multiple accounts were opened under my name i.e. Credit cards and and phone services. All the companies resolved the issues by removing the accounts and erasing the fraudulent accounts. XXXX however continues to tell me this debt is mine and wo n't remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant Mercantile Agency
State: AZ

Complaint narrative:
I called Grant Mercantile Agency debt collector to verify company since I never received a bill for this amount from XXXX XXXX XXXX. I have received and paid other bills that have come in the mail from XXXX XXXX XXXX. When I asked for the company license number I was put on hold and then told I was n't allowed to have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
wrong information on credit my credit report and they know it and will not remove it southwest credit systems credit reference number is XXXX and the creditor account number is XXXX this belong to a XXXX XXXX at XXXX XXXX XXXX XXXX maryland XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX will you please help me get his bill off of my credit report XXXX and south west has said this is not my bill

Company response to consumer: Closed
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
Indirect when I am asking what business matter is about then asks to verify personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-01 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I believe this debt was the result of id theft. When I called the could give mo valid reason why it was not. Since I have a current account with XXXX and since iff any payment was not made on a pre- paid insurance account that insurance would have quickly became invalid and a non issue. According to the Southwest rep it would be simpler to pay a debt of {$60.00} then exercise my rights but I strongly disagree. I would like to see the signed contract with my signature witch this company has refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Netspend Corporation
State: NV

Complaint narrative:
My netspend debit card got unauthorized transactions for a hotel in XXXX which I do not have passport nor purchased a plane ticket..I had charges from XXXX XXXX.XXXX XXXX.i called the police as it was happening be they did not have a 24th our hot line called in the morning had card blocked was told charges was pending an they allowed the transaction to go thru days later after having my card blocked..I 've called several times an told different things an hung up on ... I am very upset I have bills do an need food for my children ... Please send a fax so I can fax documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have a Home equity loan that was opened in XXXX XXXX. Huntington National bank has sent me a letter dated XXXX XXXX XXXX saying my ten years for my access of funds expire in four months. Then someone from Huntington calls me and takes my income information and sends me a letter that they need to get my income to debt ratio corrected. So they want to increase my credit line at a higher variable interest rate of 4.50 % presently 2.50 % and pay off my car and credit cards. It sounds good but they did the same thing last year and that guy said I did n't qualify for the new loan since I retired and so nothing changed, I could access my credit line and just pay interest if I want. Both time they said if I do n't get the new loan I will need to have a 20 year loan and pay monthly payments 5 times what I am paying now. I do n't understand why did n't this happen in XXXX XXXX instead of now? I told this last lady that I guy from your bank called me for the same thing last year but I did n't qualify for a new loan and she said well I will check but have not heard back from her about that. Just an email saying how happy she was that I was initially approved for the loan but needed to send in all my income proof. And another lady would be calling me. I just do n't understand any of this? Are they just trying to get me to pay more interest and a larger loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have noticed that a number of credit card statements use a very small font. I 'd guess XXXX pt or less while others use a much larger font - XXXX of XXXX pt. On at least XXXX occassion I have misread XXXX of the small font payment stubs where the day was printed as a " XXXX '' but I misread it as a " XXXX ''. I do n't need glasses in the normal course of my activities but have have bought reading glasses jus so I can read these statements. 

While there maybe other companies using the smaller fonts, FIA Card Services and XXXX XXXX XXXX XXXX are XXXX companies which user a smaller font. The payment coupons do not have a space issue that would require the use of these small fonts so I suspect these fonts are used intentionally in the hopes the consumer will misread them an permit the company to charge a fee for submitting an incorrect amount or missing the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have a debit card for use with the Bank of America ( BOA ) Health Savings Account. Today BOA refused to allow payment of heath expenses using my card because I had already paid the limit of bills I could pay in one day. " Supervisor '' XXXX, who was a first level supervisor and who advised he had no higher level supervisor, indicated a limit of paying XXXX bills per day and no ability to override. He also incorrectly stated that this limit is in the user agreement and in the FAQs -- it appears in neither. The user agreement indicates it can put on a dollar limit if I am advised in advance, which I have not been, and there would be no reason to do so as long as funds are in the account, or stop a transaction if they think there is fraud. BOA is illegally holding my funds. Clearly this is an issue that goes beyond me, as BOA collects interest on these funds while refusing to allow its customers to use their own funds. I do realize I can resolve this with a few days, but the point is CFPB should look into this illegal practice.

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 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was recently denied a refinance on my present mortgage by Bank of America. 
They claimed my debt to income ratio was too high. That may be so but they dragged out the approval process over two months. I paid for an appraisal after underwriting started. The loan office told me I could get a refund on the appraisal if my loan was denied. Now he is telling me I ca n't get a refund because services were rendered. Bank of America 's entity called XXXX made XXXX separate credit inquiries into my credit over the two months, and then demanded a letter explaining why my credit had received so many inquiries!

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 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I paid off my son 's XXXX XXXX loan in XXXX of 2009. Last year Navient contacted him at work and threatened him with collection if he did not agree to begin making payments. Not understanding that this was not a debt he owed, he agreed. When the amount they were demanding went up after 9 months, he contacted me. I sent them all of my documentation proving the loan had been paid in full three weeks ago. Nothing has been done to erase this debt, nor have I been able to reach a supervisor in the fraud dept -- today I have been on hold for almost two hours. This is ridiculous! I want this loan removed, and the money he sent them under duress refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient parent loan is out of control with excessive interest charge, late fees, and lack advise/assistance from Navient in loan direction and to set plan to eliminate. Many times ( after each deferment ) I would receive many predatory calls and emails from independent help outfits to reduce or eliminate the loan payment. I did not feel comfortable with the feedback received from these independent help outfits and I found it uncanny that these sources were quede to call a couple days after deferment. Really need help in resolving issue and loan reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have a XXXX year old XXXX study loan with XXXX XXXX. Navient is apparently the legal name that now administrates it. I have not received a bill in several years. Nor do I receive confirmation of payment. I quit paying it in XXXX of this year because I had no idea what was left owed or if I was dumping money into a black hole somewhere. I thought I would get a statement in the mail if payment was not made. Nothing happened. The loan was turned in for collection due to default. 
Upon checking my email I discovered Navient sent me several emails - but none of them are statements. Even if they had - I did n't sign up for email billing. Apparently the Navient process is for you to sign up for an account and view statements online. I 'm very familiar with online accounts - but was not noticed nor did I opt in to paperless billing or billing via a website somewhere. 

I 've contacted Navient to have everything sent by mail going forward. I was told that was not possible. I 'd like to pay off the remaining balance, but I do n't intend to pay penalty interest on late payments for an invoice I never received, which is all of them. 

I will contact their ombudsman program. 

Interestingly, my neighbor had the same issue with Navient last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I lost my Bank of America Visa credit card : XXXX and someone made over {$600.00} worth of unauthorized and fraudulent charges on my credit card account. I have notified Bank of America on numerous occasions about the unauthorized charges, but I keep getting harassing and threatening telephone calls and death threats, informing me I need to make a payment on my account immediately. Under the Fair Credit Billing Act ( FCBA ) a consumer is not liable for unauthorized or fraudulent credit card charges.

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