vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-30 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: FL

Complaint narrative:
The debt was from 4 or 5 years ago, but it is being reported as a new debt as of XX/XX/2016, by SW Credit Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
This company calls our business daily.  When you answer they hang up. You call them back and they are asking for a person that does not or has ever worked here.  I have asked them repeatedly to take our number off of their call list.  XXXX 
They have called XX/XX/2015  XXXX
XX/XX/2015  XXXX  XXXX  XXXX
XX/XX/2015 XXXX
XX/XX/2015  XXXXM

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Regional Management Corporation
State: OK

Complaint narrative:
I have received multiple calls from Regional Finance in XXXX XXXX, to my place of employment after asking them on multiple times not to contact me at my job. I had to give them a notarized cist and desist to get them to stop communication at my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
I receive sometimes multiple calls a day from this number XXXX either as Name Unavailable or Receiveables. They do n't leave a message. Ringing my phone is very frustrating as I have an XXXX parent who may be trying to call me so I need to check the phone each time it rings. Please stop this nuisance!! And please insist that companies that accept credit applications CONFIRM the phone number before thay issue the credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX/XXXX/2017 I initiated a transfer of funds to my brother for {$500.00}. On XXXX/XXXX/2017, I was informed by my brother that he never received the payment. I realized that I entered the wrong phone number by XXXX digit. I immediately contacted the bank and filed a claim. I was told it would take 10 business days to resolve. I called regularly for updates. Was told that the person who did receive the funds was also a Bank of America customer and that the bank would try to contact them. On XXXX/XXXX/2017 I received a letter stating that the claim was closed and that I would not receive my money back. The bank had attempted to reach the other party but did not receive a response, however after speaking with a BOA rep, I was informed that the bank only tried to call the other party 3 times and did not begin trying to contact them until XXXX/XXXX/2017, which was 14 days after my initial claim was filed. I feel that BOA did not do a through job in trying to resolve this issue for me at all.

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 2015-05-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OR

Complaint narrative:
I have historically paid my bill late, due to not having the money to pay by the XXXX of the month. However, I have always paid my bill, each month. On their website in the statement section, it lists " due now '' in bright green, also it lists late fees separate from the due now amount for some reason, which is very confusing. But regardless, I have always paid, both the due now and fees amount. I would have followed my statements, but stopped trusting that the information was accurate when I received a statement in XX/XX/XXXX indicating that my account was 540 days past due, then another in XX/XX/XXXX indicating my account was 1470 days past due, which is obviously impossible. However, in XX/XX/XXXX, I paid my bill on XX/XX/XXXX, which was indeed 30 days late. They reported me as being sent to collections on XX/XX/XXXX as being 55 days past due. I received notices that I was past due of course, I knew I was, but nothing saying that I was being sent to collections for being 26 days past due. When I spoke to them on the phone, they told me that if you do n't pay on the due date, additional interest accrues, however, this is not indicated online in anyway. If I knew this was the case, I would have paid the amount. Additionally, when exchanging email correspondence, with XXXX XXXX, I called the number included in her email. The number turned out to direct me towards a scam which was trying to extract credit card information from me. I have spoken to multiple people on the phone and via email and no one can seem to give me a clear answer about how or why I was sent to collections, considering I was paying my bill every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California
State: CA

Complaint narrative:
I checked my credit report and saw a {$250.00} collection from Collection Consultants from XXXX. I called XXXX and I guess there was a mistake with the billing as I was covered at the time. XXXX confirmed these would be taken care of and the collection would be recalled from Collection Consultants and deleted from my credit reports. As of today, it is still there. I contacted Collection Consultants who told me I need to pay them. XXXX has confirmed these are closed and recalled from the agency and would be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 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: Receivables Performance Management, LLC
State: FL

Complaint narrative:
On XXXX/XXXX/2016 I filed a complain through CFPB against RPM for reporting a collection on my credit report. The original creditor was XXXX and after paying a debt that I owed, XXXX informed me that this account would not be listed anywhere on my credit report, but it was showing on my credit report as a collection. After filing a complaint with CFPB, Receivables Performance Management LLC responded to me with the following statement. 

" Upon receipt of this complaint, RPM contacted XXXX who confirmed that the account was properly placed for collection and had since been paid in full. XXXX has requested that RPM remove the account tradeline as a courtesy to XXXX XXXX. 
RPM appreciates the opportunity to respond to this matter and resolve it to XXXX XXXX 's satisfaction. If you have questions regarding RPM 's handling of this matter or if I may be of further assistance to XXXX XXXX please contact me directly at ( XXXX ) XXXX. 
Very Truly Yours, XXXX XXXX XXXX General Counsel '' It has been over 30 days and this company still has NOT removed this item from my XXXX report. I am trying to close on a home loan and this collection showing on my report is affecting me tremendously. I have attached documentation from both XXXX and RPM of where this item should have been removed.

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 2016-02-12 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: GA

Complaint narrative:
I 'm having a problem with netspend I requested a card and it 's been almost a month and have not received it so I requested a new card to be expedited through XXXX. I called back for a tracking number and they could n't provide one because a card was never sent out. They have my tax refund and do n't even release it to another netspend card, that I, have. Can you please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: NY

Complaint narrative:
I had my account locked for no reason by NetSpend. I sent in all the accepted documents that also had to be within 30 days. My bank statement was dated XXXX/XXXX/2015. And I then got an email 5 hours later of faxing the information stating it was not within 30 days. I have {$5400.00} in that account and proved who I was multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 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: PA

Complaint narrative:
XXXX has hired SW credit systems after a debit that was already contested by myself last XX/XX/XXXX. XXXX nor the previous debit collector ever sent proof of debit or notification that any amount was standing. 

I have included the previous complaint number for this very same debit. XXXX

XXXX and SW credit systems are in violation of the fdcpa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-19 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: DE

Complaint narrative:
Account Previously Deleted for non validation by previous collector and creditor. 
No dunning notice sent by this collector. 
This debt buyer has falsified date of account opening, first reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 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: GA

Complaint narrative:
This company previously removed this account from my credit report. About a week ago THEY PUT IT BACK ON. They continue to try to collect a debt that is not owed. 2 years ago I tried XXXX for cellular service. The service left a lot to be desired and every month my bill would creep up. XXXX day I contacted XXXX to find out why my bill was continuing to get higher and how I would go about canceling my service. I was told by the representative that I would have to send in a letter canceling my service. Well guess what I guess the rep got annoyed with me because 15 minutes later my service was disconnected. No warning nothing. Phone was disconnected so I was without a phone for several days. 

Then all of a sudden XXXX is telling me that I owe them {$500.00} for an early termination fee? How is that when XXXX was the one who broke the contract when the summarily turned off my phones for questioning their business practices. I filed a complaint with the XXXX and in response I received a phone call from a very rude women at corporate. 

I was told by their CORPORATE that if I returned the phones they would waive the early termination fee. I was even provided with shipping labels to return the phones. So I returned the phones ( by the way they were older model phones and refurbished so we are n't talking top of the line phones here ). I hear nothing again from XXXX and I figured they received their phones back. Fast forward ... .I begin getting letters from this Southwest Credit stating I still owe XXXX {$510.00} for " early termination fees '' A. XXXX turned off the service NOT ME and XXXX the phones were RETURNED. Somehow this company or XXXX can not do their jobs properly and are harassing me and ruining my credit for no reason other than they are incompetent. 

I am a single mother and a XXXX veteran and am trying to move to a better paying job but will be unable to secure housing for myself and my XXXX XXXX XXXX son because of this incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MI

Complaint narrative:
This company has garnished my bank account for a XXXX XXXX account that does not belong to me and viewing all of the other various other complaints against this company, I am not the first person that they have done this to. My first phone call was to my bank and they advised me to contact the court house which I did. When I gave the court house the Case number associated on the paperwork I received from my bank she advised that the case was named to someone with a similar name to mine, but not in my name. She also advised that the case was from 2007 and that the summons for the court case was not ever served to anyone and she could not explain how that happened and could not offer any additional information and advised me to contact the attorney handling the case. I contacted the attorney and spoke to a representative that could not provide any information other than to set up a payment arrangement on an account that was not mine which is absurd! I asked her for the process servers name and telephone number so that I can get the information on who and when this summons was served and she advised that she did not have that information and transferred me to an actual attorney by the name of XXXX XXXX ( who is not the attorney listed on the paperwork I received from my bank. ) He could not find my account in their system whatsoever. He listed addresses and last 4 of social security numbers asking if they were mine but none of them were ( the name on the paperwork is not my name and this account does not show up on my credit report either but somehow it is being garnished from my bank account. ) XXXX XXXX could not offer any help at all because he could not even find the account with their file number that was listed on the paperwork. He asked me to scan and email the paperwork that I received from the bank to him which would not be a problem except for the fact that I do not have access to a scanner and my only bank account is overdrawn and my bank said that they can not release the funds until they receive a release from the attorney 's office ( that apparently ca n't find the account. ) Meanwhile, I am being charged with late fees, overdraft fees and have NO money and no one can assist in resolving this. I have already filed a complaint with the XXXX so my next step is to contact the MI XXXX along with getting an attorney referral in my area for someone that specializes in these types of twilight scenarios!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: TX

Complaint narrative:
My account was used to make purchases I did not authorize. When I noticed these transaction the same day they were made I reported to Netspend XXXX/XXXX/16. On XXXX/XXXX/2016 I received an email that the dispute was started and gave me a dispute number. There were XXXX transactions totaling around {$700.00}. I get XXXX and that is my only income and I have no money to survive. Netspend is refusing to credit my money back pending the investigation and told me I have to wait till XXXX/XXXX/2016 to find out the results. I had possession of my card the whole time and I dont know how this happened. But the charges were for uninversal studios in XXXX and XXXX XXXX!! Some of the transactions have cleared but some are still pending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Coastal Financial Solutions, LLC
State: VA

Complaint narrative:
I am receiving calls at home, and work telling me that legal action will be taken on a payday loan that was illegal in the state of Virginia

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 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: FL

Complaint narrative:
Alleged debt from 2009. It was paid to the best of my knowledge, notwithstanding, attempting debt collections on a account from 2009 ( Last date of activity/account close request by me/consumer ). This is fraudulent and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I had a line of credit with a local Ohio bank. I paid it off about eight months ago. The current balance is XXXX. Now I am refinancing my home mortgage with a different bank. They are saying that the bank with the line of credit needs to be paid {$350.00} for closing the account ( they have a lien on the house even though I do n't owe anything ). I never was told about such a fee at the start of this line of credit ( which I used as a second mortgage ). Normally commercial banks do not charge anything for closing an account. Is this legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
What happened to my XXXX XXXX, 2016 's alert email? In XXXX XXXX, 2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, back in XXXX XXXX, 2016.

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 2016-05-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have XXXX federal loans, XXXX XXXX XXXX loans and XXXX Navient loans. My payment with Navient, alone, is {$480.00}. I have contacted them on numerous occasions in an effort to have this payment lowered. I have other student loans I am making payments on besides this. My father is the co-signer. After numerous conversations and providing them with the requested financial information, I was told the payment could not be reduced because my father had excellent credit. Navient told me that my father is responsible for the note as much as I am. I do not agree with this. That is not the role of the co-signer. The co-signer pays the note if I am unable to. But if they would reduce the payment to a reasonable amount, I could pay the note myself. Right now, my father is helping me pay the note so that our credit will not be affected. However, he is the only bread winner in his family, he has XXXX children of his own and is supporting his XXXX step-children with no child support from their father. So he is really not in a position to make payments. And why is this decision based on his credit score. That does not mean he is able to make payments. The Navient people are rude and extremely difficult to deal with. I had no problem getting the federal loans reduced but not so much with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Approximately 2 years ago I contacted XXXX XXXX XXXX ( XXXX ) to settle XXXX large debts I had with a couple of credit card companies. We arranged an amount of money to be drafted to them once a month - and when there were enough funds they would negotiate a settlement with the companies. Everything was fine with XXXX of the companies - a settlement was reached in XXXX XXXX. The other - Bank of America ( FIA card services as it was then XXXX ) - was a different matter. I waited another year and when I thought I had enough funds in my account began to call them about the other settlement. It was then I found out that they used a different company - XXXX XXXX XXXX - to negotiate the settlement ( although XXXX held my money ). I was given a gentleman called XXXX XXXX at XXXX as my negotiator. From then on - despite numerous telephone calls and emails from me, nothing was done, even though they continued to deduct my monthly payment. It was not until recently ( XXXX XXXX, XXXX ) that XXXX ( XXXX ) admitted that since XXXX they were no longer authorized to negotiate with B of A, and he suggested that I call them and try to negotiate a settlement. I explained that if that had been my intent in the XXXX place, why would I have needed them at all. I expressed my desire to have all my funds returned to me immediately, and I would try to deal with it myself. That is when I was also told that they did n't have my funds - XXXX did. I contacted XXXX by email and telephone, however, the " Customer Service Reps '' were extremely rude - talking over me as I tried to explain my problem and even hanging up on me! I finally managed to contact a supervisor ( XXXX ) who was very helpful and returned my funds ( {$7500.00} ), but I felt I was owed more than that given the length of time it had taken for this to happen ( a year and a half ), the amount of time and energy I had invested in getting to the truth, the fact that they did not put the money in some sort of interest bearing account, the appalling behavior of the customer service reps at both companies and the continual misinformation I was given. And I STILL have not resolved my debt to B of A. Please help!

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