vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I logged on to my bank checking account this morning and found a miscellaneous pending charge. When I called the bank to find out what this charge was, they claim it is a check that was submitted and since my account went negative that it was it was pending to see if would be paid or returned. Huntington has my account set up to pay any overdrafts and then I have the 24 hour grace to put funds into the account before I would be charged a fee. Huntington said they could not tell me who this charge was from and that this was a new policy that was implemented this week. I told them that I did not write a check for this amount and I needed to know who was trying to take the money out of my account and they refused to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Advertising, marketing or disclosures — 
Company: Netspend Corporation
State: IA

Complaint narrative:
On XXXX XXXX, 2015, I received a prepaid XXXX Debit card from a company named NetSpend. I have notified Iowa 's Attorney General 's Office and NetSpend that I did not sign up for a this type of card. NetSpend sent an email back to me stating that they would remove my personal information and to cut up the card. I recently started looking at online surveys but have not received any funds or rewards. I am not sure if NetSpend received my information from a survey affiliate or my personal information was sold to a XXXX party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 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: AR

Complaint narrative:
The original principal was caused by a typo of my address when mailing the bill and not long after that, SouthwestCredit contacted me stating the principal belonged to them. The typo of address was made by XXXX XXXX XXXX. 

SouthwestCredit has never told me my right to dispute the collection for all the times they contacted me. 

SouthwestCredit did not either provide verification of debt at all. It should be mailed in within 5 days after the first attempt.

Company response to consumer: Closed
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MN

Complaint narrative:
They are trying to collect a debt that was paid in full to the original creditor ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-20 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: NY

Complaint narrative:
I put {$100.00}. on my card, they took XXXX, left with XXXX, I order something for XXXX, when I checked my card I had XXXX left, Please explain

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Coastal Financial Solutions, LLC
State: TN

Complaint narrative:
I received a missed call from phone number XXXX, when I called the number back a man answered saying " this is ( his name ). '' He would not identify himself further and started typing something. I asked if he represented a business of some sort and he would not answer. He did n't say anything else and told me to listen to my voicemail messages and call him back. When I listened to the messages there was only a man breathing into the phone. 
I called back asking if it was a joke, he got very aggressive in tone with me an would not answer who he worked for because he could n't find my phone number in his system. He then asked for my social security number and refused to identify themselves further. After prodding he finally told me he worked for " Coastal financial solutions '' an internet search reveals complaints that their employees are indeed aggressive and disrespectful, but they all seemed to identify themselves. 
I am concerned that someone is committing fraud as a false employee of the company looking for SSN 's or that I have an outstanding debt I am unaware of. I do not have any dings on my credit report so I am assuming the former. Please let me know if this was a legitimate phone number associated with your company or I 'll be reaching out to the FBI. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Select Management Resources, LLC
State: MO

Complaint narrative:
This is my work number and they are calling this and my personal cell more than 5 times in an 8 hour period I have received calls as early as XXXX and after XXXX. They have also called my son and sister repeatedly as well as my landlord.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Background : My business savings at Huntington is used for paying taxes and insurance only, therefore I put money in on a monthly basis, till they are due in XXXX. 
I reviewed that account on XX/XX/2016, only to realize it had been hacked on the Bank end, going back several months. I filed a fraud alert that day ; Huntington Bank returned most of the money within a couple weeks, however, refuses to return the remaining saying they only return back for 90 days. They are refusing to return {$840.00}. I 've called headquarters, and spoken to the Bank manager, but now I 'm hoping you can help. I feel I am being pressured to accept it or go through the extensive work to move everything to another institute. As a business owner, I have several tentacles wrapped into my XXXX accounts with Huntington. To move would be costly and time consuming. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 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: FL

Complaint narrative:
Called regarding a cable bill for a location I have never lived with a company I have never had an account with and wo n't stop calling. They are robo-dial calls, so generally there is no one on the other end. I have disputed the claim and left XXXX messages for their dispute department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: SC

Complaint narrative:
Today, XXXX/XXXX/16, I received a XXXX XXXX card with my name on it, which was referred to as a prepaid XXXX card. It was from " netSpend '', XXXX XXXX XXXX, XXXX, TX XXXX. I did not request the card and have never heard of the company/bank which claims to be FDIC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 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: FL

Complaint narrative:
I received an alert regarding a collection account placed on my XXXX report. I have never received anything in writing confirming any sort of delinquent accounts or debt collections. All addresses in all my credit reports are up to date and accurate because there is fraud alert on all my credit reports. It states the account was opened in XX/XX/2015 and i do not have an account with the original creditor. When I contacted the phone number listed for the company they did not verify who I was. I checked all past XXXX, XXXX, and XXXX credit reports there is n't anything listed on my report from any collection agency or the original creditor. Both my XXXX and XXXX current credit reports do not have this account on 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 with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vital Solutions, Inc.
State: FL

Complaint narrative:
I am contacted daily by vital finance recovery! I do n't owe anyone money & there is no debt. If I call them back they say they do n't have my number & I tell them that I am reporting them to the FCC for harassment. I have been on the do not call list for years, I am harassed daily with vm from this company threatening that this is a debt collector and must collect a debt or I will be prosecuted. They claim I have received a number in the mail from them which is not true. They are rude & deny they have my number to call but my phone tells a different story.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 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: NY

Complaint narrative:
I 'm a victim of identity theft and the person open accounts in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Allgate Financial, LLC
State: GA

Complaint narrative:
CFPB Ordered XXXX XXXX to Refund {$34.00} XXXX for Deceptive Health-Care Credit Card Enrollment. 

I am a victim of XXXX XXXX and I have not been notified by this Company about the settlement that has been enforced by CFPB. I am still getting letters from Attorneys asking me to pay over {$2000.00} to XXXX XXXX for the deceptive services that I received from my Dentist Office. This account goes back to 2002, I have written them and asked to have my balance reviewed and asked to get a lower interest rate and lower payments. They have not given me any consideration. I contacted CFPB and they asked me to put in a complaint on this site. 

Please respond. 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I recently opened a small business account with The Huntington National Bank. I specifically asked and was told that they do not stack withdrawals ahead of deposits, Apparenty they do. I had my deposit and a check for my house payment post to my account on the same day. Huntington chose to return the check and charge me a fee then add my deposit. I had even called them the day before to make certain that this would not happen. I was told that they never do this and that there should not be a problem. When I confronted them about it I was told, " Sorry, it is what it is '' and that the check was posted to my account the day before my deposit. I repeatedly told the account manager that it was not the case and was looking at the transactions on their site to which he again reiterated that it was the day prior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Golden State Collections LLC
State: CA

Complaint narrative:
I contacted Golden State Collections LLC after I discovered a debt on my credit from them. I have sent them XXXX certified letters thus far and I have not received a response and the account is still on my credit. It has been 3 months since I have wrote to them, the last letter was sent on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 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: EMCC Holdings, LLC
State: NV

Complaint narrative:
I requested validation and a copy of the signed contract for a debt listed on my credit file. The company responded with we are unable to grant your request and provided a payment history but not the initial signed contract and stated they are reporting the information accurately. This is not accurate and I think if a company is listing a debt against you they should be able to provide validation. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I need your assistance in helping me to get this Amsher Collection account remove from my XXXX Credit Report. This account is not mine. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified XXXX along with Amsher Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
I lived in an apartment, called " The XXXX '' in XXXX, VA. I fell behind in payments. I began to catch up with them on terms with XXXX specific person XXXX XXXX XXXX XXXX. That person left the company. I made other arrangements but that person also left the company. An agent from Carter-Young contacted me and I began to dispute the amount that was said I owed while agreeing to start paying off in the process. The agent XXXX XXXX XXXX ) I worked with did not put my information into dispute and also wanted me to pay a higher amount every month as she was not satisfied with me paying the minimum. She then threatened to put it on my credit report as someone who was not paying anything, then hung up on me. I called back attempting to converse about what was going on and to speak to a manager, she said everything was fine and would not transfer me. 
Less than a week later it showed up on my credit report and with a higher balance. I then called the main number to reach a manager because the agent would not transfer me to or get the attention of her manager for me to speak to. 
Speaking to the manager, the manager said the best thing to do is send in all of my proof that the balance was off, then she forwarded it to corporate of " The XXXX ''. 
The XXXX ' XXXX XXXX also asked me to send the information, but then disregarded it and said that all of the paper work did not match what they have and that it was therefore dismissed. I have papers from the court saying that I paid and even the proof that I had been trying to pay until each mishap and they continue to leave the same balance on my credit report and are blocking me from doing anything, as they keep placing derogatory marks on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Solutions To Portfolios, LLC
State: TX

Complaint narrative:
I have received several threatening phone calls XXXX times a day at work and on my cell phone about a debt that I owe to a company called XXXX. They harass me threatening the money I owe is a felony which it is not and threatening to call my employer and disclose information to them. I have asked them to stop calling and they will not. I have voicemails on my phone harassing me and telling me that if I do n't make a payment by a certain time that day that will take me to court. I told them to take me to court, and that I do n't deserve to be treated this way yet they keep calling, yelling at me calling me worthless hanging up and then calling right back. I keep blocking the numbers they call from and then they call me from different numbers. They will not give me their address or actual telephone number or even tell me the name of the person I am speaking to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I sent XXXX XXXX XXXX a XXXX letter asking for and I quote Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by the Original creditor ( creditor as defined by the FDCPA ) or A copy of the contract XXXX purchased the alleged debt. 
If the alleged debt was purchased, provide a copy of an agreement between XXXX and myself, signed by me, stating that I have a contractual responsibility to XXXX for the alleged debt Provide proof that XXXX is bonded/Licensed for debt collecting in the State of Your StateI received a statement back not proving anything and they DENY my dispute. Under the FCRA Section 623 I have a right to verify this information for myself, if it can not be validated then the tradeline must be deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: MO

Complaint narrative:
My husband passed away XX/XX/XXXX and I need to refinance the house to get a lower interest rate and his name off of the loan. In XX/XX/XXXX I requested a copy of the agreement. I followed up on many of occasions and was told that the is no law that regulates the time line for this request and they would get to it. I finally received it in XX/XX/XXXX Then I got all my ducks in row to refinance and began working with my leader. We have requested the payoff on XX/XX/XXXX and to this day the payoff has not been sent to us. I have talked to them many times only to be told oh we faxed that yesterday but they have no receipt of the fax and neither my lender or myself have received this fax. I am at my wits end. The loan company is Selene Finance XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Any help I can get would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: POPULAR BANK
State: NY

Complaint narrative:
I applied for a loan for emergency purpose and was never notified of the decision. The institution did not provide me with consumer credit review or an adverse action letter. I called the company several times only to be told that the application is still in review process.

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 2015-06-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SIMM Associates, Inc.
State: MD

Complaint narrative:
I have defaulted on a student loan from national collegiate trust which was being paid via XXXX XXXX XXXX XXXX XXXX XXXX refuses to provide me with the contact information for XXXX XXXX XXXX and sent the defaulted loan to SIMM ASSOCIATES. SIMM ASSOCIATES continues to harass me about the defaulted loan demanding I pay the full $ 41K immediately and I have no means. I have requested, via certified mail that the debt be validated and I receive information on the original creditor of the school loan and SIMM ASSOCIATES has failed to do so but continues to call. All I am doing is trying to validate the debt as what SIMM ASSOCIATES is trying to collect on is not what I have in my own personal records. I would also like to settle and work with my original creditor on this issue. SIMM ASSOCIATES continues to use harassing practices while calling me at work, fails to send proper documentation, or says they have sent the proper documentation and I have yet to receive any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 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: Amsher Collection Services, Inc.

Complaint narrative:
The company has been harassing around about 3 months for account open by identity theft with XXXX, We request a copy of the alleged agreement and a copy of his license to collect money in my state and have not given me any kind of document. Rather they began to report the XXXX credit bureaus account. Credit card companies, XXXX, XXXX, XXXX, remove the account when you do get the police report of my identity theft, and the agency returns infrige laws and nuemamente I reported the same account. I already have bad with constant harassment, I will take an action with this agency or fined for not following the CRA rules.

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