vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Netspend Corporation
State: OR

Complaint narrative:
I have been a netspend customer for 7 years. I have worked for the same company the entire time and i have my bi-weekly check direct deposited into my account. This week i received a bonus which put my account balance over the maximum on the card. As a result my account was frozen. I immediately called in and they said i needed to provide proof of deposit from my company. Our payroll department immediately provided. Then radio silent. I called back in XXXX hours later to check status. Customer Service informed me that they had all they needed but it take XXXX hours to process. Fine. So after the XXXX hours expired i called back ( XXXX time ). The rep told me that she did n't know why it had n't been unfrozen but assured me they had what they needed. So once again i hung up. then XXXX hours later i called again. I asked to please talk to the documents department and they said they can not call them. But they emailed. Low and behold right after that email went i receive a notice that they still have n't received the documents they need. Now keep in mind no one told me any documents were required beyond proof of deposit even though i asked XXXX people. So i immediately sent the documents. That was at XXXX yesterday. So i called again last night at XXXX to check to see -- what else was needed, what are next steps. Again nothing other than it takes XXXX hours. So this morning i call back ( call number XXXX ) and once again there is no update. Then they transfer me to the fraud department. The fraud guy says he does n't know why i am there and puts me back with customer service. So the new customer service agent asks for all of my informaiton again and then says i need to hang up and call back in. that is when i lost it. Finally i spoke to a supervisor who supposedly sent another email and apparently was going to document that this needed to be escalated. I am now back on the phone ( XXXX call in but XXXX person i have spoken to ) and she said they ca n't address until monday because the people are n't working. BRAND NEW NEWS. So i am on hold once again waiting for supervisor and all of this time my money is locked down. Once again i understand need to do verifications but this is insanity and i honestly feel like i am losing my mind. This whole process has to be illegal. I honestly can not believe that not XXXX person can get a clear status update. What they do n't realize is that this completely messes up people 's lives severely. Sad, tragic and completely has me in tears.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03 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: IL

Complaint narrative:
A collection reported me to all XXXX credit bureaus about a fraudlent debt, that I never owed to XXXX, and without notifying me. I faxed a letter to that company on XX/XX/XXXX disputing the debt and requesting that they contact the credit bureaus and inform me that the debt is being disputed and requesting them to delete it from my credit report. 
The company failed to do that and asked the credit bureaus to continue the debt till XX/XX/XXXX.I verified with XXXX rep and she advised me that the collection agency requested to keep the debt on my report. 
Please see attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: GA

Complaint narrative:
A company has refunded my money in the amount of XXXX. They have provided documentation that they have refunded the money to my account. Netspend is saying they have n't received the money and told me they would n't make a decision on my claim until XXXX XXXX, 2015.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Disputed account with all XXXX credit bureaus, requested debt validation under the FDCPA and they have not validated the deb but continue to validate the dispute with the credit bureaus which is a violation under the FCRA. They have not provided any proof consent given to share or obtain private and protected medical information under the medical bills act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Fairway Capital Recovery, LLC
State: OH

Complaint narrative:
My mother was in the XXXX XXXX XXXX in XXXX, Ohio after XXXX. She left the facility in 2013 after having paid in full all personal expenses ( private room, telephone ) that were not covered by her medical insurance. Months after her discharge the facility sent her a bill for {$560.00}. She repeatedly sent them copies of the 'paid in full ' receipt. After more than two years since her discharge XXXX XXXX has evidently turned collection of this {$560.00} over to Fairway Capital. A caller phoned my mother several times a day for a week and, because she is XXXX, he evidently became frustrated and very nasty. Mother gave the caller my name and phone number. XXXX XXXX XXXX called me on my cell phone twice last week during work hours leaving a voice mail message claiming he was from Fairway Capital calling to collect {$560.00} from my Mother. When I returned the call I attempted to explain this is no debt as the expenses were paid in full, and I offered to provide proof of payment. XXXX XXXX XXXX said there was a debt and it needed to be paid in full or actions would be taken against myself and against my Mother.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I was contacted by a company calling itself XXXX XXXX XXXX about a debt from a repossessed vehicle XX/XX/XXXX, almost XXXX years ago. The original loan was through Huntington Bank. They even called my parents home which I have n't lived at since XX/XX/XXXX. I was told they were taking legal action against me if I did n't clear the debt immediately. She then tried to get a credit card number from me. I asked for the business address which she refused to give me, then she hung up the phone. The caller id from the call was XXXX. When you call that number it rings then just hangs up. The number that was left on my answering machine was XXXX XXXX XXXX XXXX. Someone answers that number with a simple " hello how can i help you? '' A search of the internet for " XXXX XXXX XXXX '' yields no results.

Company response to consumer: Closed
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: USCB, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I sent a letter to USCB regarding a debt they said that I owed to XXXX XXXX. The text of letter is pasted below : XXXX XXXX, XXXX USCB America XXXX. XXXX XXXX XXXX XXXX, CA XXXX RE : ATTEMPT TO COLLECT A DEBT ON BEHALF OF XXXX XXXX, MEDICAL RECORD NUMBER XXXX To Whom It May Concern : I am receipt of your statement dated XXXX regarding an attempt to collect and settle a debt with XXXX XXXX ( copy attached ). As I discussed with your representatives on the phone several times, this debt was already settled directly with XXXX and paid in full XX/XX/XXXX, very shortly after I received their first bill. Enclosed is a statement which shows all charges to XXXX have been paid in full. 

You are breaking the law by : Failing to verify disputed debts and Ignoring my cease communication requests Please update your records and cease your collection attempts immediately. Any further attempt on your behalf to collect this debt, including phone calls, letters, or incorrect and negative impacts to my credit report, will be considered harassment, and I will file complaints with the CFPB and the California Attorney General, and possibly seek damages through legal action. 


Sincerely, XXXX XXXX As stated in this letter, I do not owe this debt, and my account with XXXX is paid in full. I asked that they cease communication with me. However, I have since received repeated phone calls from them, and today I received yet another phone call from them. ( XXXX/XXXX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RESMAC, INC.
State: SC

Complaint narrative:
Loan office has some sort of issue with questions about my loan. Every time I ask details I get unclear answers and push to another time. If I email him my questions about the extra payment plan agreed to, I receive vague answers in red & no contact info for said XXXX party servicer ( XXXX ). XXXX who services my mortgage knows nothing about extra payment plan agreed to. My original mortgage is with Resmac, my servicer is XXXX, the third party whom they have the agreement with is XXXX. It 's a whirlwind of confusion. XXXX XXXX XXXX a XXXX Resmac

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I applied for a credit card at my bank and was turned down. I received a letter that they turned me down because of XXXX. I called and asked what were the main reasons I was turned down or how to get the main reasons. they said I had to go to the bank to find out. I am XXXX and do n't drive in essence cant get to bank. bank would n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: USCB, Inc.
State: CA

Complaint narrative:
I have tried to communicate with USCB America for the past 8 months in regards to an account ( XXXX ) they have placed on my credit which is totally false. 

The original creditor is XXXX. I have always been insured without any interruptions or slow pays and I actually have worked for XXXX as a nurse for the past 7 years. 

The account is totally bogus. I have sent them several notices in the mail and they have not responded to any of them. However the account remains on my credit and they have responded to the credit bureaus and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I got a car loan with Huntington Bank with payments starting XX/XX/XXXX for XXXX payments. I paid off my car in XX/XX/XXXX and was charged a XXXX early payoff fee. I got a letter stating they electronically filed my title and I have to go to the title bureau and pay for a paper title. I got a copy of my loan agreement and it states on line ( XXXX ) License, title AND registration fees {$20.00}. Bank reps state that I did not pay for my title just the registration fees. I stated that is not what I signed and that is not what the line states it stated AND not OR. I originally called on XXXX XXXX and someone was suppose to call me back by that Friday XXXX XXXX. No call and I called back today XXXX XXXX and the Supervisor I talked to on XXXX XXXX failed to notate my account at all. The Supervisor I talked to today stated the above so I filed a complaint with Huntington case # # XXXX and they stated I might get a letter with the resolution? Which would be nothing because I did not pay for a title and that line means any of the fees. I stated again then it should state OR not AND. I believe I should get a paper copy of my title since I paid for my car in full or I should get remimbursed for the fee I paid plus interest that I paid for all of the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Prepaid card — General purpose card
Issue: Overdraft, savings or rewards features — 
Company: Netspend Corporation
State: AZ

Complaint narrative:
I had an issue with my account due to a duplicate transaction. The credit card company charged me an overdraft fee and assured me that it would be refunded once the dispute had been resolved. Once the dispute was resolved I noticed that the overdraft fee had not been refunded. I contacted Netspend to make them aware of the issue and both agents were rude and unhelpful. At one point of the call the representative told me that she would have to hang up because the call was taking too long. I then asked to speak to a supervisor for further assistance. Netspend is telling me that they refunded the money, but when I ask them to walk me through it they wo n't. The information I have online does not match what they have in their system. They claim credits have been issued to my account that I can not see. I do n't think that this is fair to me as the consumer, I also do n't like how the customer service reps treated 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 2015-04-02 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: MD

Complaint narrative:
I closed this account in XX/XX/XXXX/XX/XX/2014 and established service with another carrier. XXXX XXXX XXXX continued to charge/bill me for services, I had closed/canceled. I 've called and wrote letters to resolve this issue with no avail. I mailed a check showing where account was paid in full. XXXX XXXX XXXX never responded to my letters disputing these charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
According to Walmart MoneyGram website, it states transfer money within XXXX minutes, but when I called to inquiry, I was told up to XXXX hours. The XXXX minutes was highlighted next the the fee of {$4.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America abruptly closed both of my credit cards with the bank ( in a letter dated XX/XX/XXXX, but which I only received yesterday ). The only reason provided was " your risk profile no longer aligns with the bank 's risk tolerance. '' I have a credit score of XXXX ( FICO ), have always paid my credit card bills on time, and received no warning that these cards might be closed. The only previous actions Bank of America had taken with these cards were to increase my credit limits on both. I called Bank of America and they said they have no say over it and I had to talk to FIA Services, who apparently administers Bank of America branded credit cards ( I was never told this ). FIA Services told me on the phone that they could n't provide any further explanation, and that there 's no way to appeal the decision internally. In the process, Bank of America / FIA Services eliminated all reward points I 'd gained on the card. I 'm especially concerned that this may hurt my credit rating, which has otherwise had no negative events. What can I do?

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 2015-12-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: KY

Complaint narrative:
I underwent a XXXX XX/XX/2014 at XXXX XXXX XXXX Hospital, XXXX, KY, the XXXX of XXXX that year. The first XXXX were properly billed and paid by my Medicaid insurer. In the case of the XXXX XXXX, the hospital attempted to bill the wrong insurance carrier, then failed to recognize the error for more than a year. Now, XXXX XXXX 's has turned the bill over to Central Financial Control for collection. It is illegal for a hospital to send a collection agency after a Medicaid recipient. Under Kentucky law, balance billing is prohibited for Medicaid recipients not in an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
we have a few problems with Bank of America 1. Bank of America issued an incorrect payoff to our attorney. 
2. we had closing on our house XXXX XXXX, XXXX 3. Bank of America lost the wire transfer to pay the house off. 
4. We called many times to try and resolve it and ended up wiring an additional {$9300.00} 5. We had had to pay for forced placed flood insurance through XXXX XXXX eventhough we do n't own the house. 
6. they are supposed to cancel flood insurance and issue a refund from closing date 7. they have n't issued a refund of flood insurance we sold our house. 
8. The house suffered substantial damage in super storm sandy. it needed to be torn down and rebuilt. the flood insurance did not give us enough money to rebuild. so the house had to still have flood insurance on it even though it had no insurable value. 

Bank of America gave the lawyer the incorrect amount for payoff. Our title company wired the payoff on XXXX XXXX. Several days went by and our account did not reflect any payments. We called our lawyer and then the bank. Bank of America kept saying it would appear and give it more time. Finally after my husband had called almost every da we found someone in payoff who looked up the wire by the dollar amount and found that it had been received by XXXX XXXX. They said the amount of payoff was incorrect we owed money for forced placed flood insurance. We wired the amount they said we owed over {$9300.00}. We had to pay for flood insurance for insurance from XXXX XXXX to XXXX. They would cancel our insurance and issue us a refund. We received a letter saying they would refund us {$1300.00} because the insurance was not needed after XXXX XXXX. Closing was XXXX XXXX. 
we called XXXX XXXX, XXXX and a bank of America representative said the check would be received by us by XXXX XXXX, XXXX we called XXXX XXXX, XXXX and they said to give it to XXXX XXXX, XXXX if we still have n't received it they would issue an new check. 
we called XXXX XXXX, XXXX they said they had no record of us deserving a refund check. finally after being bounced back and forth between many departments they requested we fax them the letter we received from then because they cant find it. 
Bank of America is very difficult to deal with. They should have honored the incorrect payoff or they should have deducted what we owed after the flood insurance was cancelled and had up pay that amount so we would not have to wait for a refund. or how about they cut us a break and not charge us interest for the last 11 months. we paid our mortgage up until XXXX XXXX we just could n't afford it anymore we had to pay rent on a place to live. Its been horrible since super storm sandy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has XXXX the ability to make principal only payments on their website. The only way to pay extra principal payments is to make a future loan payment, and then pay extra on top of that.

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 2016-09-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since Bank of America caused to be recorded the XXXX XXXX, 2016 Notice of Default ( NOD ) and Election to Sell with California Declaration and a separate Substitution of Trustee I have had to fend off all manner of folks coming to my home, sending a multitude of unsolicited junk mail, and telephone solicitation contact all related to the bankruptcy, foreclosure and real estate industries. I have has to take steps to prevent these people including, but not limited to, Bank of America representatives, from harassing me, trespassing upon my property, invading my home and life. I have even had mail addressed to persons affiliated with the banking and real estate industries with my home address and their name to portray and seem as if they actually reside in my home as early XXXX 2016. It does n't seem to matter one bit to these folks that the NOD was executed in error.

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 2016-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America failed to disclose proper documents as to the proper owner of my home. Bank of America also did not allow another modification due to a previous modification within 24 months. I was told I could not appeal and had to start the RMA process all over again and the only option was to short sell. Bank of America had incorrect information from the creditors and the amount for my mortgage was calculated higher, leaving me with a denied application. I have also submitted at summary judgement against Bank of America. My home was sent to foreclosure in the courts by the attorneys of Bank of America. I do not feel Bank of America is doing everything to help me save my 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 with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
collector has duplicated account in collection with XXXX different account numbers on same debt.

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