vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: VA

Complaint narrative:
An unknown party attempted to defraud by spending around {$500.00} on goods. That vendor contacted me, confirming I had not placed the order. NETSpend had the funds designated as Pending. After demanding a XXXX way call with the vendor and netspend and me, netspend demanded an email confirming extensive information, which the vendor sent that moment. Netspend has still not credited me for the funds. AND then I got an email from Netspend saying my account was on HOLD and I needed to contact them and order a new card. My funds would be held up for a long time ... they would not allow me access to the funds, insisting that the hold could not be removed. This is my social security money they are holding on to. Reference 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 2015-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit Systems refused to remove identity theft item after both a police and ftc report where made regarding the alleged debt. Companies like this should be more regulated. Changing get dates and account numbers for the debt as they snap their nose at anyone who tries to regulate them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Automated Collection Services, Inc.
State: MA

Complaint narrative:
I have received tons of mail regarding a student loan debt that is not mine. I called the company to let them know and they promised not to continue but I am still getting tons of mail! I do n't know what to do. 

AUTOMATED COLLECTION SERVICES, INC

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Approximately three weeks ago I did an Electronic transfer from my account to my wife 's account. Instead of sending The transfer electronically Huntington sent a check to my wife lives with me in my house. So I called Huntington Banks and told them that they made a mistake and sent a check to my wife instead of an electronic transfer. I asked to my money back, and they said the only way to do it was to stop payment on the checks and to reverse it back to my account. I said ok, would there be any fees he said no but if there are then just call us and we will reverse them. There were XXXX transfers did XXXX for {$100.00} and XXXX for {$1200.00}. The reason for the transfers was to put money in my wife 's account who is with Huntington also. I was charged {$31.00} twice. I called the back and after rudely speaking with me they revered only XXXX the fee 's. I am so mad I am a poor working man and I do not have an extra {$31.00} to give Huntington. I have never been charged any fees with at all never made a mistake, but I did the transfer as they recommend I do at the branch. they tricked me and I want my money back. I am filing complaints XXXX. Please help. The manager that assisted me the first his name was XXXX and the XXXX manager who was rude was XXXX. I just want my money back the {$31.00} dollars and an apology for the way I was treated, it 's like they do not care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: PA

Complaint narrative:
I purchased the card for {$4.00} put {$25.00} on it. I then I find out I had to spend {$4.00} to activate this card. This is a bogus card. hidden fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a lawsuit against me for a debt that was open by someone in XX/XX/XXXX when i was only 15 years old. Also I have a Bankruptcy that the Plaintiff has admit. they were aware of that was filed in XX/XX/XXXX and discharge in XX/XX/XXXX they never notify by mail or phone call also\they got a default judgment against me in stated garnishing my bank account.

Company response to consumer: Closed
Consumer complaint received 2015-04-21 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: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I 'm victim of identity teiff and I reach out to this company but they still want me to pay for it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Southwestern Investors Group, LLC
State: NV

Complaint narrative:
Southwestern Investors Group llc and XXXX XXXX who was recruited by Southwestern Investors Group llc has been threatening to file a lawsuit against me and also have me taken to jail for possession over stolen property when I never stole anything. This is over a game stop card I could n't pay. XXXX XXXX has many complaints from other people saying they told them similar things about being thrown in jail. I feel jeopardized that Southwestern gave my information to this company. XXXX XXXX claimed to be lawyers which they are n't. Southwestern acknowledged recruiting these people to basically threaten me with jail. I have been depressed, anxious and scared. Southwestern also said they are not a debt collector ( which they are ) and are merely a debt purchasing 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 2016-07-08 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: NJ

Complaint narrative:
several attempts asking for validation with no results. they continue to place this blemish on XXXX out of XXXX reports and at this point it is becoming harassment and slander. I do not own a home but I am trying to purchase one and I have never had any utility bills in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have being paying extra principal only payments and they have been being applied correctly. I have spoken to Huntington National Bank and have not received any return phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Netspend Corporation
State: NY

Complaint narrative:
I am an attorney with a law practice in XXXX. I am familiar with fraudulent offers, etc. Recently I found out through my CPA office that someone fraudulently filed an federal income tax return for 2015 to claim my refund. Fortunately the IRS picked up on this and with their help, today over the phone the fraudulent return was denied. About two weeks ago, I also received what appears to be a fraudulent offer from netSpend, XXXX, TX XXXX. They sent me, without my applying, a debit XXXX card in my name with instructions on how to activate it and to have money placed in it directly from my employer. I am hopeful I can attach a copy of the flyer to this complaint. If not, I would like to send it to you at some point. My wife and I both checked online and found numerous complaints about XXXX 's bad business practices. There was even an instance where the owner of a card that was not activated, was charged fees on his card and it was reported to a credit bureau that he had an outstanding debt to the netSpend. I tried calling their customer service number and could not speak with a live person. They only wanted my social security number or the card card account activated, both of which I refused. I want this card account terminated so that no charges or fees can ever be placed on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Will you guys ever support XXXX or XXXX pay. It is such an inconvenience at stores because with the chips in the cards people never know if they have to slide or insert their cards. You guys support XXXX Pay. Why wo n't you guys support XXXX or XXXX pay? Please respond. 
Sincerely, A frustrated customer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Vital Solutions, Inc.
State: OH

Complaint narrative:
A creditor sent me a fraudulent bill for {$1800.00} in XXXX XXXX. I sent the creditor a letter to cease all communications and confirmed that I disputed the charges. See attached letter. The letter was sent certified and the United States Post Office records confirm it was received by the creditor. 

Recently, I received a letter dated on XXXX XXXX, XXXX to attempt to collect the fraudulent charges. According to the Fair Debt Collection Act, a debt collector can not contact me since the original creditor was notified. Note that this is INDISPUTABLY a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: VA

Complaint narrative:
IRS says my funds were released on XXXX/XXXX/16 to my Netspend account that I 've had for years. A couple days go by and I still do not have my funds. When I call customer service it 's always someone Foreign who I can never understand. They tell me I need to check with IRS about my money. I should n't have to check with them when my direct deposit is with Netspend!! So I get on Netspend page on XXXX and seems like everyone is having the same issue. People opting for the Netspend card when they filed their taxes and no money. Turns out that Netspend has rejected everyone 's tax refund and now IRS will be mailing out a check on XXXX/XXXX/16. I had plans to move my family on a certain date now I ca n't thanks to Netspend not giving me the money that I have earned. They keep lying on their page instead of telling people the real truth on where their money is. The customer service sucks and they do not care about their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 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: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
I received a letter from Dynamic Recovery Solutions stating that owed {$3000.00} to XXXX XXXX XXXX XXXX XXXX and that the original owner is XXXX XXXX. I do not owed any money to XXXX XXXX or XXXX XXXX Services. I wrote a letter to Dynamic Recovery Solutions disputing this debt and requested proof that both the debt and the creditor are valid. This is a scam and I do not want this to affect my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
When clicking on the Loan Cost and Terms, link over the course of a week keep getting a " We apologize for the inconvenience but we have encountered a system error. '' When Requested a quote was not given the information requested

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC
State: MO

Complaint narrative:
This company loaned XXXX and with all the interest fees it is charging over XXXX. I have defaulted on the loan and it was sold to a collection agency XXXX. I was able to dispute the loan with this company and have it erased from my credit report, now the original lender is trying to come and collect, once they sell the loan they no longer can collect on it.

Company response to consumer: Closed
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Account Systems of Omaha, LLC
State: MO

Complaint narrative:
I have no contract with this company. I send them a letter verified requesting debt validation. I requested for the original contract bearing my signature and also my letter asked to show proof that the debt was under limitation. Also I requested proof of the collections agency being licensed for my state. According to the contract send by XXXX they are reporting outdated information falsely re age this account to collect. This collection agency has re aged this account according to the original creditors date of first delinquenc in a letter they send me.

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
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$4.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I 've been contacted recently by a Debt Collector with the most smelly attitude on earth weeks ago, the. She recently contacted me again threatening me that I have til the XXXX to pay my overdraft of {$120.00} from XXXX bank. But when I received the letter last week Monday, XXXX XXXX the letter informed that I have 30 days. But having her contact me knowing that I am in school at the age of XXXX trying to pursue my career especially off of a different number with a local area code is really rude of her to do so with the same attitude. I tried to inform her to do not call me anymore but she hung up the phone. Which is really unprofessional -- she needs to go back to school and pay her own debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC
State: TN

Complaint narrative:
I received a letter dated XXXX XXXX, XXXX from a company called Dynamic Recovery Solutions. They claim to represent XXXX XXXX XXXX XXXX. They list an original creditor as XXXX and an account ending in XXXX. They say I owe {$740.00}. I feel that this is incorrect as I have no Creditor known as XXXX. This does not appear on any of my current credit reports as an account. If this is my account I am sure it is old and past the statute of limitations in the state of Tennessee or perhaps it was an old account included in a bankruptcy I filed in XXXX. To summarize I feel that this is a non-collectable debt and I deny any and all responsibility for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: EZCORP, INC.
State: TX

Complaint narrative:
I have had a loan with TX EZ Money for several months now and as of XXXX XXXX, 2015 I was informed that they were going out of business and my account would no longer be accruing interest I would just be responsible for the principal. 
Today I called in to make a payment as scheduled and I was informed by XXXX, an employee, that she was going to refer me to another payday lender so I could apply for another loan to have my loan with TX EZ Money paid in full. 
I told her I was not interested in applying for another loan with another lender and that I would continue to pay my loan on my regularly scheduled day. 
After 45 minutes I received a call from XXXX XXXX payday loan asking me to go in and fill out paperwork and take all the required documents to apply for a new loan. I do not believe that this is a fair practice. I am no way obligated to try and get another payday loan from anyone and they shared my information with others without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Parker & Associates
State: MD

Complaint narrative:
I am receiving phone calls from several different debt collectors and a mediation service alleging that I have a debt with a payday loan company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Patrick K Willis Company Inc
State: TX

Complaint narrative:
My mother is in debt regarding her vehicle. " XXXX '' " XXXX XXXX '' from XXXX has called my home and cell numbers repeatedly. They have called MY NEIGHBORS to ask if they know my mother and why she is in debt over her XXXX vehicle. This is an embarrassment and violation of sharing information with a XXXX party. When I called and told them to stop, they called me back and harrassed me further to talk to my mother. I asked them for an address for his business. He refused to give it. I asked him for the phone number from which he is calling. He refused to give it. He continued to ask to speak to my mother. I stated he was in violation of law for continually calling me and for contacting XXXX party people and sharing information about my mother 's debt. When I continued to repeatedly ask for his address and phone number he hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Dynamic recovery solutions keeps calling me after they have said they 'd cease all communications. I do not owe dynamic recovery solutions or anyone else any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, 2015 my husband and I traded in our vehicle which still had a loan with Wells Fargo but had equity and used it as a down payment on a new vehicle. We traded it into the dealership XXXX XXXX in XXXX XXXX, CA. Two months later we bang receiving collection calls from Wells Fargo stating that we were behind XXXX payments. I informed them that we had traded the vehicle in and they stated that it had not yet been paid and was now being reported as delinquent to our credit. We kept trying to get in contact with the dealership but all they would say is that we were no longer liable and they would look into payment. On XXXX XXXX, 2015 Wells Fargo received a payment from XXXX XXXX for all but {$83.00} of the balance of our trade in. When we contacted the dealership about this they said that the lady that handles the pay offs will be out of town for XXXX weeks. In the meantime, we continue to receive numerous collection calls and our credit is still suffering because of it. Neither Wells Fargo or XXXX XXXX will help us with getting this resolved and expect us to pay this amount to stop the collection calls. While it is a small amount, it is unfair to force us to pay the penalty because of XXXX XXXX mistake. It is also not right that our credit is now showing delinquency because XXXX XXXX did not take care of their responsibility.

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