vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-19 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: Receivables Performance Management, LLC
State: IA

Complaint narrative:
Receivables Performance/XXXX XXXX XXXX Scam, con-artist company that calls my house all day, every day. I am deaf but they continue to call and now there 's a collection on my credit report for a bill that 's not mine. I feel like I 've been taken advantage of. I do not owe XXXX money for services they did not provide. I actually received a letter apologizing for their poor broadband performance but no other effort to rectify the problem or make it right. I had to retake a class that cost me $ $ $ because XXXX 's ISP connection had another outage during the final exam. ( I took the class online ) I moved onto a different ISP because they were not providing services I was paying for, yet they continued to try and bill me for when I was not using their ISP or bundled TV service. They refused to allow XXXX to port my new number and held up the process. They exhibited extremely poor service and failed to follow through with promises on a regular basis. Now these scam artists are calling all hours of the day and while my elementary school aged son is asleep in bed for school. The other collections via XXXX have been removed from my report, but this new one just popped up via XXXX and XXXX. 

XXXX and Receivables Performance are XXXX companies that need to go out of business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 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: TX

Complaint narrative:
My account with XXXX XXXX Cable was paid prior to being closed. XXXX XXXX Cable disagreed and sold the account to a collection agency. The account according to XXXX was removed XXXX and continues to be put on my credit report and is severely effecting my credit with all XXXX credit agencies. Also XXXX has stopped collecting on all my credit card debts and has discharged the debt in which XXXX forms were filed and paid for. This was an agreement with XXXX il because they were no longer collecting on the debts. However, they continue to report amount owed on my credit report instead of reporting it as zero like other accounts on my credit report by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
Loan processor is blocking my ability to pay them thru ACH unless I forfeit control of my bank account to them thru ACH. ACH can be initiated by the customer or lender. 
Since the loan processor has already made many errors on my loan account, I am not about to hand over control of ACH debits to them. I want to maintain control of ACH amounts & due dates. 

The loan processor messed up the amount and due date for my student loan. I still have not gotten them to agree that they made errors, and in the mean time they are claiming I am 15 days overdue & they are going to report me to a credit bureau. 

So I am forced to pay even before they fix their errors. AND they REFUSE to give me their bank routing # s so I can send payment electronically. They INSIST on them controlling the ACH withdrawls. Since they have already screwed up the amount, the due date and refuse to acknowledge their mistake, I am NOT about to hand over control of my bank account to them! I can send ACH payments while controlling the amount and date on my end, NOT them controlling when & how much they take. 
I want them to give me the relevant info so I can send ACH payment on my terms. I do NOT want to hand over control to them so they can take what they want & when they want. 

This should be a blatantly obvious right of customers to control what amount & when they send out of their own bank account. Loan processor refuses to give me that option unless I hand over all control of ACH to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Lightning Fast Finance
State: CA

Complaint narrative:
Today my husband XXXX XXXX, received a disturbing call from XXXX with XXXX XXXX. XXXX NY XXXX XXXX, Ext XXXX XXXXHe advised him he was calling re a debt incurred over XXXX years ago with Lightning Fast Finance . 
My husband XXXX XXXX, and i filed Ch XXXX and were discharged from bankruptcy XXXX. He advised the collector we filed bankruptcy and he then began using harassing language, advising he would continue calling until the debt was paid. I have also received several calls on my cell phone from this office, but voicemails were left as I neglected to return the calls since they addressed my husband. 
In addition, I can provide a copy of my filed list with the bankruptcy courts as we listed all parties that reports on our credit at the time of filing XXXX. 
Please respond with any requests for documents or call history records as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 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: Receivables Performance Management, LLC
State: PA

Complaint narrative:
receivables performance management LLC. IS CALLING ME DAY AND NIGHT AT HOME AND JOB.A BOUT A ACT I DONT NO NOTING ABOUT MAKEING THREAT THAT THEY ARE GOING TO SEND COP TO MY HOME AND JOB.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Insight Financial Services LLC
State: FL

Complaint narrative:
XXXX 2016, we submitted a loan application and the required docs and received a Pre-Approval letter by Insight Loans so we placed a contract on a home based on the amount of the Pre-Approval. 

Awaiting closing, we packed up our entire household items, informed our landlord that we were moving out so he arranged showings on the house, and many other time consuming and/or costly changes. A few days before closing, we had n't received any updates except a few text messages stating that underwriting was very busy but rest assured everything will be fine. Closing day came and went without any return calls/emails that we made as well as requests from our realtor and the seller 's realtor. We also emailed XXXX XXXX ( lender ), to no avail. 

A day after expected close date, we were asked for an extension from Insight. The sellers did not give us an extension because they were very frustrated and had already moved out ( expecting to close ) and paying XXXX mortgages. We never received an update from Insight Loans that day and the home was put back on the market. 

Later that week, we were informed that the Senior Underwriter did n't approve our loan! We were in shock! NOTHING had changed on our end - everything remained the same. The final excuse we received as to why our loan was declined was because the Loan Officer calculated the income incorrectly. 

We understand that closings fall through all of the time due to changes that occur on the buyer 's end. However, there were NO changes on our end and the loan officer agreed. We met every condition the underwriter had sent. We are devastated that we lost the home and how this affected many families. The after-the-fact apology that was received by the loan officer does not begin to make up for what we are going through. 

How could this process go this far and then only receive an excuse of " the income was calculated incorrectly ''?? We have it all documented in an email. 

We are living in a house that is all packed up with nowhere to go. Also, the sellers are now refusing to give us our earnest money back and we have paid money towards inspections, etc. that we have not received back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had XXXX XXXX credit card accounts and one " XXXX '' (??! ) account on my credit report which were NOT MINE. I was shocked. i notified the bureaus of this error ( see letter attached ). They were somewhat helpful, removing XXXX of the XXXX accounts -- but not the other. I was totally bewildered. Neither account is mine. I do n't know how they became attached to me! Anyway, I was then instructed to contact the " data furnishers '' about the error ( see letter attached ). They were even less helpful. They did nothing to help. I then notified Equifax of my intent to file a complaint. i am following through with this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Prepaid card — General purpose card
Issue: Overdraft, savings or rewards features — 
Company: Netspend Corporation
State: NY

Complaint narrative:
I purchase a prepaid card from Netspend for XXXX while trying to activate the account I was not able to do so and the check cashing facility who sold me the card do not do refunds on prepaid cards. Upon contacting Netspend I was advised that prior to six years ago a purchase was made on a netspend account in which the charges was in error a provisional credit was given and I advised the representative the account was reconciled to a XXXX balance and I no longer used the card. Upon requesting my money back from Netspend I spoke with a supervisor I requested to the supervisor this was well over six year ago and I was never made aware of any balance due on this account nor was I notify of any past due amounts. I am requesting the return of the money on this separate account and for Net Spend to validate this debt by supplying me with copies of the receipts showing my signature. 
I would like to add this was during a time when I was making funeral arrangements for my mother! for Netspend to withhold my funds from a separate account six years later is of great concern : Also after speaking with the representative and requesting a supervisor I was placed on hold and transfer to another representative by the name of XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MD

Complaint narrative:
Mortgage originated XX/XX/XXXX with XXXX XXXX - XXXX XXXX was paid off through a refinance with the same bank XX/XX/XXXX. The mortgage filed XX/XX/XXXX book XXXX page XXXX was never released. XXXX XXXX was eventually acquired by Huntington Bank. Requests for the release have been made via e-mail on XX/XX/XXXX and on XX/XX/XXXX, the requests included the title search showing the old mortgage as well as the HUD-1 showing the payoff. When I spoke with Huntington 's customer service on XXXX I was advised that all items submitted through XX/XX/XXXX had been completed. I re-submitted to the e-mail address they verified on XX/XX/XXXX. I spoke with them again today and keep being told there is no incoming phone line to their paid release department so the can not answer my question as to where is the release or what other information may I provide to assist. Really, no incoming phone lines to a department in a bank? 

Mortgage customer service tells me they can only go by the messages they receive from the paid release department advising them of the submission dates that have been cleared. I have a Home Equity line with another bank that is expiring and the lack of release is precluding us from going forward with a new line. The title company, XXXX XXXX that handled the remote closing ( in my dining room ) is no longer in business. Attached you will find copies of the HUD-1 and additional documents from the refinance that paid this loan, as well as a portion of the title search showing the unpaid lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: OR

Complaint narrative:
I have determined that Southwest Credit or SWC, of XXXX, XXXX, has left repeated automatic recordings using two different phone numbers. XXXX and XXXX. The recordings ask for XXXX ( not my name ). I have dealt with scam debt collection agencies through CFPB before. When contacted by CFPB they claim they made a mistake and the employee responsible has been re-assigned and is being retrained. I do not owe any money to anyone or any agency anywhere. If I did they would send me a letter. I would appreciate CFPB contacting Southwest Credit in XXXX ( I live in XXXX ) and inform them that if they can not prove I owe a debt to cease and desist calling me and remove my phone number from their robo list. I am on several " Do Not Call '' lists but they do no good. My research shows SWC has over XXXX complaints against them. Is that worth shutting them down?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
My account, as well as at least two others belonging to my friends were debited a " Account Maintenance Fee '' on the same date XXXX/XXXX/15. These accounts are enrolled in NetSpend " Pay As You Go Plan '', therefore should not be charged a monthly fee. In the previous months no Account Maintenance Fees were deducted from these accounts, only for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 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: CA

Complaint narrative:
No knowledge of this account. Never received a notice to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc.
State: CA

Complaint narrative:
I have asked them to not call me before XXXX. They also call me during the weekend. I have received several calls for the past week during work hours. It is disruptive to my place of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 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:
I paid my final bill to XXXX, sometime in XX/XX/XXXX. I no longer owe them money, or even have an account with them. At least once a week I receive a phone call from Southwest Credit about the " debt. '' I have informed them many times that it has been paid, and I even called XXXX to straighten it out, and I am still receiving calls and letters to 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 2015-07-14 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Overdraft, savings or rewards features — 
Company: Netspend Corporation
State: NV

Complaint narrative:
Netspend offers to allow customers to refer a friend to get a Netspend card and after their friend makes {$40.00} in deposits onto the prepaid card, both people are supposed to get {$20.00} each deposited onto their cards. I e-mailed the link to my domestic partner who does not have a bank account due to losing employment and having ruined credit in the wake. He clicked the link to their site and completed the application XXXX times before giving up because it had been weeks since he applied and the screen told him that his card would be here in 2-4 weeks. 2-4 months later, he decided to try to just go in through my account online and order himself a card. They linked his card to my account and we called Netspend customer service for assistance to get him the card I had sent him a referral for. The new card had to be cancelled and he was sent a different card that is his own account independent of mine. We called them this morning to inquire about our {$20.00} deposits that have not shown up ( that we could really use to help us pay the rent this month ) and they said that he did not qualify for the program because I could not have referred him because he got a card the same day I did ( referring to the XXXX linked to my account that I did not add anyone to at all! ). We spoke with a rep and a supervisor and they maintain that XXXX has been a customer longer than me and that he is not eligible to be a referral of mine. It is just frustrating that this is where my paychecks are going to now and these people are idiots, saying XXXX purchased his card from XXXX XXXX. He did not! It is the XXXX and only card he ever received from his inquiries from the referral program that XXXX of their idiotic employees sent to him. He never received any other cards on any other accounts and I never even authorized him as a user on my account. I just happened to be logged into it XXXX time when he was trying again to reapply for the card that never came. We were on the phone with them for over an hour this morning just trying to get the referral money promised by their ads ( because we are poor and need it that desperately ). XXXX has gone through so much hassle with all of this nonsense and explained it to the rude woman on the phone today. We did everything we were supposed to for the program, but never got the money promised. The lady said it could have been their software/internet issue, but refused to manually credit the reward fund to either of our accounts. After all of this trouble, I sure wo n't be referring anyone else there, that is for sure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: NC

Complaint narrative:
For my job XXXX. These profiles are not used anywhere other than in our testing environment. 
Today I received a XXXX XXXX paycheck card from a company called netSpend. The card is associated with XXXX of my XXXX, but it has my personal home address on it. 
There is no way this company obtained this profile through legitimate sources. I tried calling the company but was not able to get through to anyone. 

Account number is XXXX XXXX XXXX XXXX Name on the card is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
This is about Huntington National Bank, I have had to file XXXX XXXX cases against them for what started out as fees that should n't have been charged on XXXX accounts. Then XXXX started taking out money and overdrafting the accounts, and a block was put on them so they could n't withdraw any money, they were taking direct debits that were n't authorized. Then I started to get harassed by customer service employees, they would no longer help me on the phone, and my contact person for the XXXX cases started harassing me. Once this started, the XXXX block was taken off of the accounts and many transactions that did n't even make sense and a lot of fees were going on, and were not being credited back, the XXXX was no longer able to get anywhere with the contact. He refused to issue anymore refunds to any of our accounts. It did n't matter that these were fraudulent charges, and unauthorized charges. I had opened XXXX accounts to just be XXXX accounts for my mom and myself, and charges like crazy and fees were going through those as well as the bill accounts. There were many times we were unable to pay our bill and ended up getting a month behind, because the bank would n't refund the fees, so that the bills could go through a second time. I opened another case last night because all XXXX accounts have been allowed to total over XXXX in fees and charges that were put through on already negative accounts. Mostly because of XXXX being allowed to take whatever they want. I opened a case with XXXX on Sunday that covers all of XXXX through today of the fraudulent charges being put through. I have repeated my case over and over, and I no longer get help this has me so upset and worried, we moved to a new bank, and I want these accounts to be at XXXX and closed that 's what I 'm asking for now, I do n't want this to be sent to collections for charges and fees that are n't our fault to hurt our credit. Please do n't back down from this company and see what they are doing with these accounts. the contact in question, tried to call me after the case was closed, he is the XXXX harassing me, he has been spoken to, and not supposed to contact me, I do not want harassment from him and the bank employees to continue, Please stop him as well. I 'm becoming afraid of what he is doing possible to the accounts because he has direct access to them, and what he may do to me in a harassment manner, he has my address, and my state is right next to his. I just want this all over with, and the accounts closed. This has been a horrible experience, the XXXX recommended that I contact you this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
A number of incorrect or wrong charges were placed on my account. 

I faxed Huntington Bank dispute forms for about XXXX charges. 

I never heard back. They were never removed from my account.

Company response to consumer: Closed with explanation