vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-25 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: TX

Complaint narrative:
I tried to send money abroad using XXXX & they would not allow me to do so. They returned my funds to my NetSpend prepaid M/C on XXXX, but NetSpend keeps giving me excuses to not put it back on my card. It has now been 10 days and they are still telling me I have to have XXXX fax to them on their letterhead a letter of cancellation of transactions, and they have done so at least 6 or 7 times, as well as keeping me updated on transmissions. They also tell me I can send them emails giving dates & times of the cancellations, which I did but they do not accept them either and I follow their instructions to a XXXX NetSpend now is giving me the same list over & over & we do what they say to do, but never acknowledges and returns my funds to my card. I was told by a friend they must be trying to scam & cheat me out of my money. I just need my money back on my card account. They have been using my money interest free for 10 days now and seem to not be too interested in releasing my funds back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 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:
They keep calling for a debt that 's in my husbands name, that we wholeheartedly intend on paying but I asked them to stop calling and to put me on the DNC list. He said okay. Now they keep calling but not speaking. They call up to 3 times a day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
The Huntington National Bank willfully deposited several Social Security & other checks on which I, XXXX XXXX, was the payee and had not signed in to a checking account ending in # XXXX on or about XXXX, 2012 and continuing beginning with {$31000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit Systems ( XXXX ) XXXX, keeps calling my telephone number looking for a XXXX XXXX. I have tried contacting them several times asking them to stop calling my number for this person because I do n't know who this person. They called ( robo call ) me today Sunday, XXXX XXXX, 2016 at XXXX. I want them to stop!

Company response to consumer: Closed
Consumer complaint received 2016-09-26 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: PA

Complaint narrative:
Southwest Credit Systems are reporting XXXX account balances I have from XXXX. XXXX balance is {$810.00} and XXXX balance is {$610.00}. I want to pay XXXX balances in full. In exchange, I would like SCS to remove these accounts from my credit report. As I understand, reporting to credit bureaus is voluntary and the company has the discretion to remove the entry. Since there is no law requiring the entries on my report, I think removing them immediately after I pay the balances in full is fair. The account for the {$810.00} is now time barred. The statute of limitations has run out on being able to collect it. I still want to pay it if the entries are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: MI

Complaint narrative:
My ebenefits account was compromised and changed my direct deposit from my XXXX bank account and transferred my funds to a prepaid netspend card and used this card to withdraw money from the atm XXXX, which I stay XXXX. I never authorized this transaction and would like this matter to be resolve.I also would like to NetSpend to be investigated because I followed the FTC guidelines and forward all pertinent information to them, but I got only a hard time and told that they never received my fax of my documents after I sent them numerous times.I called numerous times and requested a supervisor because the customer representatives do n't speak XXXX which I find kind of odd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Netspend Corporation
State: CA

Complaint narrative:
ILLEGAL & CAPRICIOUS SEIZURE AND HOLDING OF CONSUMER FUNDS : Netspend Corporation ( XXXX ) has seized funds on our card and do to errors refuses to release the funds, allow us access to the account, allow us to make corrections on the account, or give us any possible way to get our money. The money was loaded into the account using XXXX XXXX 's re-load service. XXXX refuses to help. XXXX uses XXXX to reload cards. XXXX can not help us refund the money. 

DISCRIMINATION : It is discriminatory to hold our money without any way to release it, correct the situation, etc. Net spend claims it is because we changed our address and they are punishing us for having to move. 

NO SUPPORT ACCESS BY CONSUMERS : Netspend customer service NEVER answers phones any more as they did when I opened my account over 6 years ago. It is impossible to directly reach to company to gain access to our money.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-05-18 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: FL

Complaint narrative:
Southwest Credit Systems sent several harassing phone calls to my parents and, a few weeks later, sent me a bill saying I owe XXXX {$400.00}. I contacted XXXX which confirmed that my balance was paid and that I did not owe anything. XXXX faxed confirmation of this to SCS. SCS refuses to confirm that they received fax and insists I pay this bill that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
Rausch, Strum, Israel, Enerson and Hornik, LLC did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX XXXX, XXXX I noticed a " Miscellaneous '' debt in the amount of {$470.00} to my checking account with The Huntington National Bank. I immediately called the customer service hot line and spoke with a representative. The representative said she could not see what the charge was, but it looked like it had been initiated at a banking office. She stated that since the charge was still in pending status that I had to wait for it to clear before I could find out what it was. The morning of XXXX XXXX, XXXX I looked at my bank balance and the charge listed as " OD Recovery ''. I went to my local branch office in XXXX Ohio, XXXX XXXX location to find out what was going on. The man I spoke with, XXXX XXXX, made a phone call and after several minutes informed me that it was Huntington that took the money out of my account. It was supposedly to pay off a closed account from XXXX that charged off in the amount of {$470.00}. This money was taken out of my current checking account, without warning/notice. I received no notification that this was going to take place. I was given no chance to investigate if it is even a factual/legitimate debt that I owe. Furthermore, I have check written on that account that will now bounce or withdraw my current account. The banker that I spoke with, XXXX, said they had been trying to take the money out of my account for years and now they " finally got it ''. When I asked him why I was n't notified that I was going to be withdrawn from my account, he said I will be receiving a letter, after the fact, of course. When I asked him what I was to do about the checks I have outstanding on my account, that I had the funds to cover, until this morning when they took money out of my account without permission, he said I should turn to a church.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
Someone opened a comcast cable bill in my name. They some how got a hold of my social sersurity number and there are asking for {$1000.00} in false debt charges.!! Southwest Credit Collection in XXXX XXXX .is at XXXX 
Spoke with " supervisor : XXXX XXXX, and Ijust get transferred to a " voice mail acconut and know one retiuns my call?? ( XXXX }, has then listed as being " OUT OF BUSINESS ''. 
GOTO THIS SITE FOR MORE INFO XXXX ( cut and paste into search ) XXXX Support number is : XXXX. In order to get a copy of the false contact I would have to go to " XXXX XXXX XXXX " to pick one up? 
That would take my hours at a cost of around {$40.00}. 

My XXXX Bank Statement has ne " using my debit card three ( 3 ) times, on the date this Account was opened.Hmm ... .Can not be at XXXX place at once!!! 

Please " publish this, for the public to read. '' Copies XXXX b mailed out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: USCB, Inc.
State: CA

Complaint narrative:
USCB IS AGRESSIVELY ATTEMPING TO COLLECT ON THE DEBT THEY POTENTIALLY OWN. THEY STATED THIS DEBTS ARE FROM XXXX BUT WHEN I REQUESTED XXXX TO VALIDATE THESE ACCOUNTS THEY WERE NOT ABLE TO FINE ANYTHING CLOSE TO THESE NUMBERS AND/OR UNDER MY NAME. I HAVE SERVED USCB WITH THE RESULTS OF MY FINDINGS BUT THEY FAILED TO RESPOND AND THEY ARE STILL ILLEGALLY ATTEMPTING TO COLLECT ON THE DEBT THEY COULD NOT VALIDATE OR VERIFY TO ME. THIS IS HURTING MY CREDIT AND FINANCIAL BEING

Company response to consumer: Closed
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received a certified letter last Tuesday, XX/XX/2016 that my savings and checking accounts and my son 's savings and checking accounts, which I am a co-signer, were being closed on XX/XX/2016 and that our ATM cards were being closed on XX/XX/2016. I called the XXXX number on the letter and left a message that someone would call me back. When they called back, they said it was a business decision, no other reason was offered. I stopped at my local bank to see if they had an answer and they could not find anything. After running around to get all my direct deposits changed to a new bank and making sure all my bills were covered, I called the number again asking for a supervisor, manager or someone who does not just answer the phone with a book of basic, obscure answers call me back. After two unsuccessful messages, someone called me back and gave me the same answer, " it 's a business decision. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Coastal Financial Solutions, LLC
State: CA

Complaint narrative:
A rep ( Assistant Director of Operations of the Process and Warrant Division ) from Coastal Financial Solutions called and left me a voicemail stating that there are allegations of fraud under my name and social security number that they had tried numerous times to talk to me about my loan debt, and that since this has n't been resolved outside of court and if it was n't resolved within 24 hours, that they would send my case back to my county for further processing to be scheduled. He said that if I want to get this resolved out of court I had only until XXXX EST to call him back. At this point, this was the first I had heard from them. If they had called previously, they did n't leave a message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ESCALLATE, LLC
State: SC

Complaint narrative:
I have asked Escallate LLC to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ESCALLATE, LLC
State: IL

Complaint narrative:
Dear sir/madamI have disputed this debt from ESCALLATE for so many time now but ESCALLATE stated that they were told to continue collecting the false debt from me without providing any proof of documentation to show that I own this debt. Account number XXXX I copied this account number from my XXXX credit report.. 
I do n't own any MEDICAL BILL to ESCALLATE LLC or any of it 's affiliates or so called original creditor. I am requesting a further investigation to this matter and also ESCALLATE LLC have to provide proof of documentation concerning the debt. example the document or documents I submitted when I seek for the care from the Original creditor. 

I BELIEVED THEY GOT MY ADDRESS FROM THE DESPUTE I SUBMITTED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: ESCALLATE, LLC
State: NY

Complaint narrative:
The amount on mu credit report does not match what is owed. I was told that it does n't matter if it 's accurate and to " just pay my bills ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc.
State: NC

Complaint narrative:
Hi. My loan recently was bought and transferred XX/XX/XXXX. Before the loan was transferred to the new servicer, the previous servicer approved us for a loan modification. ( HAMP I believe ). I received a letter that we had been approved, dated XX/XX/XXXX, and our loan was transferred on XX/XX/XXXX. The new servicer/investor is refusing to honor the modification. What can I do. We really need this modification or we might lose our home

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 2015-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ARC Management Group, LLC
State: FL

Complaint narrative:
In XXXX, 2015 I entered a written dispute with ARC MANAGEMENT GROUP reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ARC MANAGEMENT GROUP was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ARC MANAGEMENT GROUP failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARC MANAGEMENT GROUP an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARC MANAGEMENT GROUP failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ARC MANAGEMENT GROUP is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ARC MANAGEMENT GROUP have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud. 


A full and complete deletion of offending ARC MANAGEMENT GROUP collection account from my credit report at the XXXX, XXXX and XXXX XXXX consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Solutions To Portfolios, LLC
State: OH

Complaint narrative:
I was called by this company 7 times before XXXX I called the number back and asked them to stop calling me and they still called back 4 more times, totaling 11 calls in 1 day, all before XXXX I feel that this is harassment. I called back a 2nd time and was told that whoever I spoke with the first time should have taken me off their list and did not.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Selene Finance LP
State: DC

Complaint narrative:
I received a phone call today from Selene Finance attempting to collect a debt discharged in bankruptcy. My mortgage. Attached also is a copy of a letter I received on XXXX XXXX, 2015. I do n't understand why it is taking so long to foreclose on that house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My Mortgage was transferred from bank to bank since I'v bought it a few years ago, and I noticed Fraud on their end. They refused to acknowledge it and have begun Foreclosure proceedings on me and my family.

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 2015-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC.
State: ME

Complaint narrative:
an amount on my credit report which is not in my name nor have I had a history with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Selene Finance LP
State: MO

Complaint narrative:
This Mortgage debt with Selene Finance has been discharged in a bankruptcy filed legally and document with U.S. Bankruptcy Court XXXX XXXX of Missouri. Currently on my credit reports it shows that the listed account for Selene Finance, a real estate mortgage account as having a closed as " derogatory '' status as of the date of XXXX XXXX, 2012 which happens to be the same date of the Chapter XXXX Bankruptcy filing which included this creditor. The creditor seems to insist on reporting incorrect information on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: PINNACLE RECOVERY, INC.
State: NC

Complaint narrative:
They have people who have tried to act like they were someone else and not who they profess to be. People are very rude and not very ethical when they are talking to you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: NC

Complaint narrative:
I can not get my mortgage company to send me a bill. They are mailing it to the wrong address and told me I need to correct it. I never asked them to send it there so I do not understand why I ca n't get a bill mailed to the home on file ( the property address for the mortgage ). I am unable to pay my bill, so my credit is being affected.

Company response to consumer: Closed with explanation