vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Universal Fidelity LP
State: CA

Complaint narrative:
The online seller company charged every cost of the order I placed before company shipped their products. No one online seller will ship out their product to buyer if they has not charge the full payment from buyer, either the payment method is paper check or credit card. In my case, this company always charged the payment from my credit card account. I can show all the payments I have paid and orders that I have placed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
I have had this number for almost two years now and have been called by XXXX to XXXX collections agencies to include this Southwest which I called on XXXX XXXX, 2015 to tell them I am not the party they are attempting to collect from and have no idea whom they are. They ask for XXXX or XXXX XXXX each time. I am not sure if I spelled XXXX correctly. I again called this collection company on XXXX XXXX, 2015 for a call I received on Sunday XXXX XXXX, 2015 to let them know I was reporting them and a XXXX claimed I have never been called by them. Seems they all say that, but I maintain a scrap paper note of these calls and Southwest is one that has called with the same telephone number. My home phone is unpublished and unlisted for my privacy. 

Note I have been receiving collection calls for this party from the day I switched from XXXX system to XXXX and one reason I changed was because I received calls on XXXX system for a different party collection. I am filled to my ears with the annoyance as they call from morning to night, seven days a week. I am about ready to shut down my phone service.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
I contacted this agency in regards to this claim. I was told by a representative that this account was listed in error. The information on this account is not even my social security number so therefore was a data entry error on this agency 's side. I explained that this internal error was affecting my credit score. I spoke to a supervisor and was told that they are unable to fix this issue and I must dispute this directly with the credit bureau. I feel that this is unprofessional and that it is their responsibility to fix this error since they created it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Netspend Corporation
State: TX

Complaint narrative:
I have contacted NetSpend 4 times via email regarding my inability to log in online. The issue is not due to clearing the cookies or cache of a browser because I can not log in with any browser on any operating system including : IOS, Windows, Linux, Chrome, Firefox, Safari, Internet Explorer. When I log into XXXX the page loops back to XXXX as if I have never logged in. 
This continues to perpetually loop. I am, however, able to log on to the mobile app and access my information. It is important for a consumer to be able to access all avenues the service/bank provides. 
NetSpend customer service gets back to me no less than 48 hours after sending each email. My fear is that the mobile app will not work after the next update and I will have no ability to access my account and be forced to pay the fees that NetSpend requires to make a call to the bank for any reason. 
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 2016-07-06 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: MI

Complaint narrative:
On XXXX/XXXX/2016 I discovered an adverse remark being reported on my credit profile from Southwest Credit Systems, who is attempting to collect a debt on a {$74.00} account for XXXX XXXX. I was surprised as I was not aware of any debt owed to Charter, nor was I ever contacted or sent a bill. I called SW Credit Systems and they informed me that they sent the bill to an old address, and that they recently received the account in XXXX 2016. Should they have sent the bill to the correct address ( Upon closing my XXXX XXXX account I informed them I was moving and gave them my new address ) I would have paid the bill and avoided a negative remark on my credit report. There failure to meet the requirements set forth by the FDCPA, which clearly state that within 5 days from the initial communication they have to send me a notice advising me of my consumer rights and allowing me 30 days to dispute or pay this bill is now causing me serious financial harm. It is ridiculous that due to their own error, which they admit, they are unwilling to remove an unjust, erroneous, and incorrect adverse remark on my credit report. 

Ref # XXXX

Company response to consumer: Closed
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This debt was included in a Chapter XXXX BK XXXX filing. This has been addressed by the CFPB previously and the collection agency stated they would stop all collections and remove debt from my credit report. This debt has now been added back to by credit report and the collection calls has returned.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-12-17 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: Constar Financial Services, LLC
State: SC

Complaint narrative:
XXXX Transaction : Thru XXXX. {$1200.00}. 
Item ( military XXXX & XXXX ) was sold on XXXX and payment received from XXXX. 
The purchaser then had buyers remorse and requested a REFUND. 
The buyer them shipped the item back without a proper XXXX # when XXXX arrived with the Package IT WAS XXXX LB 's lighter that original package that I shipped. ( XXXX was kept? ) So the package was refused. XXXX and XXXX have both put my account on hold. I have done {$60000.00} in business with them in the last 15 years? Have these people lost their MINDS? I 'm told this is a XXXX scam and they had a class action law suit against them in 2004 that they settled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
Southwest Credit XXXX continues to harass me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: MN

Complaint narrative:
Received and Debit card from netspend of XXXX TX that I did not request. 
You need to read the fine print to realize why you got 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 2016-03-30 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
SW credit systems no longer has the account and still reporting on my credit report after I disputed it.

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 2017-01-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I am a parent that agreed to consign my child 's student loan. My daughter has not worked in over a year. I make a monthly payment however, it 's not the payment amount that the company want me to pay. I have my debt responsibilities to maintain. As a result of me only paying between $ XXXX {$60.00} dollars monthly, my credit score took a hard hit. I received between 5-8 calls daily from Navient. I hit the ceiling when they told me that I had {$10000.00} available on a credit card and why ca n't I make a payment with this card. They did n't say the name of the card but I knew what card they were referring to. The customer representative has said this to me the months of XXXX, XXXX ( XXXX ) and XXXX XXXX. These people continually threaten me with court action and that they will have my salary garnished and any tax returns garnished. I have always had a high credit score however, as a result of me only making the small monthly payment, my credit score has plummeted. They say that they want to work with me, I keep telling them that I ca n't make a higher payment. I have my bills to pay as well as my living and commuting expenses. I refuse to give them my salary information. This seems to anger them. They even ask me if I have someone else helping me with my expenses ( I do n't ) I live paycheck to paycheck frugally. These people also dislike it when I tell them to review the recording on past months. I tell them the same thing over and over again. As I previously stated, I make a small payment monthly, I ca n't go any higher, I need to maintain my bills and living expenses. I can not afford an attorney. Navient is wrong, I feel, looking at my credit report and saying that they see that I maintain my bills but refuse to pay them. When I say that I ca n't make a higher payment then they say " so you 're refusing to make a payment ". I have told them that they are twisting and playing on words by saying this. This happens every month. My daughter hopes to start a new job in a few weeks. She is very timid. She cries when these people talk to her so now she wo n't talk at all to them. Once she starts working, she will make her payments. The payments will not be the payments that Navient want ( she too will have living expenses ) but payments will be made. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
For years I have struggled with Navient. I 've had to pay monthly, at least {$600.00}, while I was in school. I recently took a year off of my graduate studies and moved to another city to support my younger brother with his living expenses through college. The payments to Navient have risen so incredibly high that there is no realistic way for me to pay them, my rent, bills and other necessities. They asked me to pay about {$1100.00} per month. I also have an elderly Cosigner, who is of no relation to me, just an old family friend, and he has absolutely no intention of paying for my loan for me. His credit was the only thing that would allow me to get into my XXXX school. I was never offered a chance or program to release my Cosigner. Recently, when I asked, due to the recent legal issues that have arisen against Navient, they only gave me two ultimatums. Either pay off the entire, approx, {$120000.00} or pay {$1100.00} for 12 months on auto pay without fail. I had just given Navient all of my income information, and based on the numbers they could clearly see I could n't afford that. They also requested the Cosigner 's credit and income information. He does n't want to have anything to with my payments and does n't wish to give the information to them. 
Since XX/XX/2011 I 've had to deal with Navient and through their rude and unhelpful customer service, ultimatum deals and negotiations, incessant phone calls and absolute lack of organization, I 've struggled to make end 's meet. They would call automatically, and blame it on the computer programming, myself, my cosigner ( who is an incredibly busy man ) and my parents at number of times called reaching as high as 15 times in one day to a phone call every 10-15 minutes ; with each call from a different phone number, while I 'm working. I 'm afraid to pick up the phone anymore. When I do pick up the phone call, customer service can barely help you and they just want to collect money and get you off of the phone as fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I bank with Bank of America. In several occasions Bank of America has place a hold upon a payroll deposit check I have made. On all of these occasions I have asked for and received a copy of the cleared from the accountant for my employer. The hold has always been place one day after the check cleared and in such a manner that out my account into negative status. It seems to me the algorithm that is responsible is targeting accounts that may earn Bank of America a financial reward in the term of fees for overdraft. It even happened when my employer changed to Bamk of Amercica as the a. Punt holder for payroll. I was told that Bank of America had received information that 's payroll check would be returned even though it was drawn from anothe Bank of XXXX account. Bank of America 's fraudulent actions have cost me XXXX dollars of late fees and associated costs due to the fraudulent holds being placed upon my account to. I have evidence of the day the checks where authorized and screen shots of my a. Punt showing that money was credited to my account and a hold was placed on my account after the date the payroll checks cleared. I believe that Bank of America has a working agorythem that is trying to maximize based on holding checks deposited to encure over draft fees.

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 2017-01-25 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: PA

Complaint narrative:
I got a loan with Navient for school. When it came time to pay i had set up automatic payments with them from my bank. They stated it would be more easier that way and also save me a percentage on the loan through lower interest with on time payments. XXXX payment was made this way and after that they said i was late in paying which was impossible because it was automatically set up and the funds were there. I fully believe they manipulated the payment some how just to stick me with higher interest through FALSE/DECEITFUL business practices. Im very upset with them but stuck with Navient until my loan is paid in full. When i inquired about another copy of the letter they sent me telling me about my rejection from the program they were not forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
well, I got a credit card from Bank Of America with the balance of {$2000.00} and have paying for the last 18 Months and it shows only a balance of {$1900.00} and the credit card Computation seems very unrealistic and scum!! and also the company reported me late for more than 30 days in XXXX XXXX and XXXX XXXX which in XXXX case I did not get the statements on time, and as a result damaged my credit report making harder to refinance my Home Mortgage, I paid approximately XXXX - {$1400.00} which makes it mathematically impossible for the balance the showed to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank Of America Has Been Placing Hard Inquiry on My Credit Report. They Keep performing hard inquiry again and again. Numerous Certified Mail Phone calls and Even lack of Proof on my part to authorize them has not been investigated nor even acknowledged by the Bank Of America. My credit report is on fraud Alert and itys really hard to place a hard Inquiry. These are the Numerous dates of they inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They ca n't provide a proof for my authorization for these inquiries. Yet no Response from The Bank nor any compliance from Credit Bureaus. Please note the same branch and location of this Bank Keeps Placing Hard Inquiry on My Credit Report. 
BANK OF AMERICAXXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I had to wait 20 minutes ( on hold ) just to get the address I needed to mail in my monthly bill payment. The information I needed did not appear to be available on the website.

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 2017-02-22 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: TX

Complaint narrative:
Good afternoon XXXX and Navient student loans merged and my interest rate increased significantly. I am never late and I overpay but my interest is still outrageous. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I receive about 5-8 phone calls from Navient regarding my private student loan each day. Some I missed a payment last month, Navient had called me non-stop every day on an auto-dialer. I know it is an auto-dialer because when I answer the phone there immediately is a prompt about the call being monitored and recorded. This is harassment because I am aware of my past due payment from email, and when I can make a payment I intend to. 

Also, there is no forgiveness for private student loans like there is for federal. I borrowed this loan when I went to culinary school. I did not end up becoming a chef, the college changed its name, and has since closed down. However, Navient is still harassing me about this loan when had it been a federal loan it could be forgiven by this point! I 'm owing them now so much interest it 's unlikely believable! Plus, part of the loan was for a time when I had withdrawn from the college. I ended up leaving the school on the first day of a semester, but they still charged me for laboratory fees for the entire semester! I never used the lab at all. This would be forgiven as well if I had a federal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
Financial Control attempted to collect more than I owed for medical bills, that my insurance Company, XXXX XXXX had paid. I did pay CFC a lesser amount that we settled upon more than a year ago during 2014. They stated that the collection would be removed from my Credit Report if I agreed to pay that day! I felt forced to pay it, since I knew it would negatively affect my credit score. A year later it is still on my credit report!!! I want Central Financial Control to remove this from my credit report as they stated they would. This is an unfair tactic, that destroys ones credit.

Company response to consumer: Closed with explanation