vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

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 2016-07-31 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: VT

Complaint narrative:
I consolidated all of my student loans to XXXX XX/XX/2015. Several months later, I noticed while checking my credit report that I had a 60 day late payment on a student loan through XXXX / Navient. I contacted XXXX to notify them that I had never received any communication stating that I owed a payment and that my loan had been consolidated with another lender. They acknowledged the consolidation but refused to remove the late payment from my XXXX credit bureau reports. The credit reports clearly show that there is no data from the month of the late payment, XX/XX/2015, forward. I am requesting that this late payment be removed form all XXXX credit reporting agencies as I had no knowledge of owing any remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: IL

Complaint narrative:
After 10 business days after filing my claim with Netspend they determined that there were " No Errors " The claim was for XXXX spent while I was incapacitated and the card was not in my possession and I provided proof to XXXX . I find it impossible to make a determination I 'm 10 days, I feel that the problem is the amount of the claim, that they have a problem with, after several attempts to call them, I get hung up on or am on hold for 10 minutes or more and have even talked to someone in the corporate office and they have even made notes on my account that Ithey spoke with me on XXXX/XXXX/2016, when in fact they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: CA

Complaint narrative:
I cancelled internet service with XXXX XXXX XXXX. Per their own instructions and mailing label they provided via email, I returned the router as requested. Per the tracking number from said mailing label, it shows when I mailed back the router to XXXX XXXX XXXX. XXXX XXXX XXXX kept billing me for the router in the amount of $ XXXX but whenever I called XXXX & XXXX to advise that I had already mailed back the router, the representative would not assist with closing the account properly. XXXX XXXX XXXX now sent the amount to collections. I responded to the collection company with a copy of the print out from the U.S. Postal service showing that the router had been mailed back. The collection company is now claiming that through their " investigation '' that I still owe the claimed amount. This has also been reported to credit reporting agencies that I am in collections which resulted in loan applications being declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
Representative called me at work, he began right away questioning if I was going to pay the creditor the funds I owed them, " and than stated of course you have a {$39.00} debt owed to some other folks ''. I asked him to please call me at home not to call me at work, his reply was, due to this being your debt why dont you call me back. If I do not hear from you, I will call you at work. I attempted to tell him, he is not allowed to call me at work after I have asked him not too. He began with Are you sure about that, are you a lawyer? " Let me give you the scope on that ''. I told him I was at work and that I could not talk and I hung up. He was rude irrogant and unprofessional. I do owe the bill, as I stated to him, the hospital never submitted a claim to insurance. He was rude, and to me threatning. How many complaints have to be made regarding H & R Accounts in XXXX, Il before something is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 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: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from SW CRDT SYS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against SW CRDT SYS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I began taking control of my financial matters and pulled my credit report. After careful review it was determined that I had been a victim of identity theft. Listed on my report was a collection charge in the amount of {$1700.00}. Immediately I contacted XXXX to inquire about the said charges and any details that could be shared. As it turns out I 've never lived in the state of CT at anytime in my life at either address that XXXX csr provided. Secondly I contacted the credit collection agency as well, informing them of the fraudulent activity. The collection agency indicated the would send a investigative packet out to me to complete. I did offer them a copy of my lease which clearly indicates my residence for the ladt 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: PA

Complaint narrative:
On XXXX XXXX, 2015 netspend closed my account I called that day asking what was going on and all they told me is that they closed it due to a deposit. I explained to them that I had received that check as payment and did n't know that the check was a forged check. Well on XXXX XXXX XXXX was deposited in to my account I called them back up and asked for my money I was told that they will be mailing me out a refund check with my money and that it would take 20 business days. I called a week later to make sure my check was mailed out I was told it was sent out on XXXX, 2015 while on the phone I asked to make sure my address was right cause I had moved and changed it. Well while they was repeating my address they said my zip code wrong I told them that is not what I had gave them and I was told that it would be fixed and another check would be sent out and this XXXX will come in 10 business days. I call a week later again to check I was told something completely different saying that the check was sent out on XXXX XXXX and I had to wait 20 business days. Nothing about the previous call about the zip code being wrong and nothing about another check being mailed out. I called back on XXXX XXXX and was told that I will get my refund check on XXXX XXXX I asked how is that possible if that is thanks giving then they changed it to the XXXX of XXXX I asked o talk to a supervisor and she told me that it would be their on the XXXX and gave me some number telling me this is how I would be able to track my check. The number I was giving was not any number usps used and I was upset again for giving me another lie. I called back on XXXX XXXX and told them.I still have not recived my money and was told that they sent out another check and that I would Ger it in 3 to five days. I called again on the XXXX and was told another story about how my account was just called as of XXXX XXXX and that a check was never mailed out till the XXXX cause I didnr turn in the paper work thatbwas requested since I requested to close the account. I told her that was a lie and that I never asked to close my account and that my account was closed on XXXX XXXX I was told the was not true and that it was closed XXXX XXXX and that was when the refund check was issued. Today is XXXX XXXX and I still have not received my money and I 'm about to be evicted and lose my car and no food to feed my XXXX kids. I really need my money and I 'm tired of getting the running around with them with my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Netspend Corporation
State: VA

Complaint narrative:
I was sent an unsolicited debit card with an account already authorized in my name for which I did not apply for, request, nor agree to. The financial institution associated with it is trying to defraud me by opening an account in my name without my permission. It is either an attempt to steal money from me or steal my identity. The bank is NetSpend which is owned by XXXX, which is owned by XXXX XXXX XXXX in association with XXXX XXXX Bank and XXXX 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 2015-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MN

Complaint narrative:
1. I was 'served ' a Summons and Complaint with the statement " You are being sued. " ; however, there is not lawsuit filed against me. The person delivering the document said, " You are being served. " ; however, in reality I was not being served actual legal documents. I was handed a document that looks like a court document. Their document should have stated they were intending on suing me, especially if I do n't answer their 'summons and complaint. ' Instead they made it look like a court document to use it as a means to intimidate and scare me. There is no court file no listed on the forms nor is it listed as an active case against me on the website for XXXX Trial Court Public Access : XXXX. ( Fair debt collection practices act, 807, 2A, and 812 ). 

2. When I was 'served ', the documents with my personal information were not enclosed in an envelope and this a violation of my privacy rights according to FDCPA. 

3. The company that is threatening me is located in XX/XX/<YYYY> and I am requesting from the company that they are in fact licensed to collect debt in Minnesota.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On XX/XX/2017 I reached out to Nelnet regarding an extension for my Income Based Repayment Plan because I had yet to receive my W-2 's. The representative informed me that this information was not due until XXXX and I had " plenty of time ''. I then asked her to notate my account of this " due date '' and she did. Today, XX/XX/2017 I called Nelnet and requested the IBR form and the rep. informed me that the form was due tomorrow and that I have been " kicked off '' IBR and that I would face capitalization of my accrued interest of the past year and that would be applied to my principal balance. She acknowledged that a rep had written an XXXX due date on my account and that this was incorrect information given to me by this representative. Since she would not assist me after I was provided incorrect information by her colleague, I asked to speak to a manager. I was transferred to XXXX who stated that my IBR form was not due tomorrow, but due last month. He also acknowledged the XXXX due date notated on my account and also acknowledged that I was given an incorrect due date however would not assist me. In fact, I am being penalized. I am now being Capitalized on my interest, in the amount of {$2300.00}, toward my principal balance. Both representatives are acknowledging that another agent gave me that information and are still penalizing me for acting on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: GA

Complaint narrative:
RE : NetSpend Visa Debit Card - Received yesterday XXXX/XXXX/16 " This replaces the temporary card you recently purchased. '' Did NOT purchase or request this card. Husband 's ID very recently stolen. Thief opened a credit card and XXXX checking accts. in his name ( police reports filed ). Today received unsolicited debit card as notated above. Inquiry to issuer as to how they obtained our personal info and how card was issued without request. They requested verification from us by asking that we confirm his SS no. which we did not provide. They will NOT divulge how/where they came to have this info. We believe ID thief is involved in some way. This company is either highly unethical, fraudulent or both. Although they claim affiliation with XXXX, there is zero reason for them to have access to SS no., etc. We are and have been extremely vigilant re/personal info and handling of credit and would never, ever use such a card - very alarmed here. 
Thank you for your attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Netspend Corporation
State: TX

Complaint narrative:
The company Netspend promised if I used there services I would have my XXXX check deposited 2 days early. They have continually failed. My rent is due today. They will not reply to my inquiries of why they are not depositing my XXXX check I was directed here by the Texas attorney general could you please investigate why they failed to do as they said.Thank You, XXXX XXXX my phone number is XXXX XXXX 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 2016-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Automated Collection Services, Inc.
State: NY

Complaint narrative:
My school loan went into collections a few years ago, XXXX ( XXXX XXXX XXXX XXXX ) was the first to contact me in XXXX XXXX after my bankruptcy closed a few months earlier. I have since made arrangements with them for repayment. I was also contacted numerous times by mail, phone and even my work place from ACSI ( Automated Collection Services , Inc ) which started about 2 months after XXXX contacted me. ACSI had NO accurate, up to date information on me, I had requested multiple times by phone, in writing for information on the loan they claimed to be collecting on-I never received any return calls or emails with this information. In XXXX XXXX I received a notice for wage garnishment from ACSI, I filled out the forms asking for a hearing, mailed back to them certified return receipt XX/XX/XXXX, they received it, but I have not received ANY updates or contact from them since. About a week after I sent the garnishment forms back a NEW collection agency-XXXX sent me a letter claiming to be collecting on the same exact loan as ACSI and threatening to take my federal tax return-again NO confirmation of the loan information. Both ACSI and Performant claim it is from XXXX XXXX XXXX ( I consolidated my loans with them after completing 1 year in school ) In contacting XXXX XXXX XXXX it was brought to my attention that ONLY XXXX handles the collections for XXXX XXXX XXXX. My Federal return for filing year XXXX has been confiscated with no advanced notice of this happening. I have not heard from ACSI or XXXX regarding any collections processes since XXXX, I have never received any confirming information on the loan they claim to be collecting on, the amount they claim I owe is equal to 5 years in school ... I went into a certificate program which was 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Genesis Lending
State: CA

Complaint narrative:
the college I was attending was XXXX XXXX which is closed three weeksago. I had a private loan with Genesis Lending Company about XXXX andI am still paying for it even after the college ceases its service. So I amlooking for help to stop this payment and get a refund for all thosepayment I have done for more than a year.

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 2015-06-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: WA

Complaint narrative:
I attended XXXX College, a XXXX College in 2012 and was set up with a private loan through Genesis Lending. As well as a Federal Loan. I received no state help and left responsible for a large balance, attending a school that treated their students with no respect. They were welcoming and polite when recruiting you to attend their school but once they stuck you with a large debt and received their money, the politeness was out the door. There were so many promises and guarantee 's made with no follow through. I struggled to make the payments while I was in school, this was something I was not informed of until I started receiving bills and told if I did not pay or made a late payment I would be pulled from class and not allowed back until my account was up to date. Any time you showed up a few minutes late, miss a day due to a funeral or when I missed a few days due to an illness in which I provided a doctors note XXXX, I was threatened to be kicked out and the administration always brought it back to how much money is being provided to us for being there. I finished with straight A 's and a huge debt I struggle to pay but make sure I never default so my credit stays in tact. Dealing with the lender has been a nightmare. I am set up for auto pay to avoid dealing with the lender. Often they do not pull on the scheduled date which turns into many calls in XXXX day harassing me to pay my bill. It 's not my fault they 're system is messed up and I do not appreciate the calls. Multiple times they charged my account XXXX, they point the finger and claim to not be able to reverse my payment. My interest rate is ridiculous. I was told the lowest they ever give anyone is 12 % no matter what your credit score is. I 've contacted the school many times to receive paperwork they 'd promised to provide and after many attempts, they have yet to deliver my request. I recently received a letter that Genesis is transferring my loan over to XXXX. I would never recommend anyone to XXXX Colleges.

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 2015-06-15 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Heritage Financial Group, Inc.
State: GA

Complaint narrative:
On XXXX XXXX my sister received a call from XXXX a representative with Heritage acceptance. She did not Identify herself or the company she was calling from. XXXX was calling to confirm my residence through my sister. My sister advised them that I was XXXX. A week later I receive a letter stating that there was a judgement against me the amount and how much I owe. However the did not specifically state that this was an attempt to collect. This debt was from XX/XX/XXXX, and the judgement was filed XX/XX/XXXX. The statue has passed for them to report this to the credit bureau as the have threatened to do so with in the letter. Also the were advised that I am disable and do not have the ability to pay. XXXX then asked my sister who was speaking on my behalf if she was able to pay it. Which was inappropriate to solicit my sister for she did not owe. My sister asked to speak with the supervisor XXXX and she explained the same thing to the supervisor and XXXX was still insistent upon collecting on the debt as well. I am mentally and physically XXXX and have been for along time, with the documentation to provided details concerning my XXXX of which I feel I should not have to disclose. The were advised that I do n't have the ability to pay, and the debt is 18yrs old. XXXX stated that they can try to collect on a judgement up to 20yrs. Either way I do n't have the ability to pay, am currently XXXX and request that the debt be eliminated. I can afford to continually be contacted about this debt and I am on a fixed income that barely meet my daily living expenses

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