vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Genesis Lending
State: NV

Complaint narrative:
I was mandated to make monthly payments to Genesis Lending on my private student loans while attending classes at XXXX XXXX, XXXX, NV. From XX/XX/XXXX thru XX/XX/XXXX my monthly payments ranged from $ XXXX {$150.00}, for a total amount exceeding {$1300.00}. I was aware that such practices were prohibited while attending classes, however, should I failed to make payments I would have been barred from classes. 
I would like to be reimburse for those funds.

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 2016-04-20 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: Receivables Performance Management, LLC
State: OH

Complaint narrative:
XXXX continues to say I owe a paid debt. I have a letter from them saying paid in full and XXXX will not remove either despite complaints and copy of paid in full letter

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 2015-12-22 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Adding money — 
Company: Netspend Corporation
State: MI

Complaint narrative:
I went to a XXXX XXXX store o purchase a prepaid netspend card to pay abill over the phone. When I trie to activate the the person on the stated she could not activate card do to a block. I ask her how could that be this is a prepaid card, I paid XXXX XXXX money to put on the card. She sayed it wasn, t anything she could do. Go back to XXXX XXXX to get a refund. I went back to the XXXX XXXX to get a refund the clerk stated that netspend had put a block on the prepaid card so I could, nt received refund. I call netspend back sh he stated she would release a check on XXXX/XXXX/2015 to waite 5 to 10 days. I d not received check in 5 days, so I call netspend back the person that answer phone stated she did not she wear it was a check mail to me. she stated she would issue the check the next day. To wait 3 to 5 day. It is XX/XX/XXXX2015. I still have not receive my owe money I paid to be put on this card. Everybody at netspend have been telling me a big lie every since XXXX/XXXX/2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: TX

Complaint narrative:
I received a NetSpend prepaid master card in the mail today, which I did not request.In their disclosure they admit that they received my name & address because I indicated interest in offers similar to this and not in response to an application. They are lying because I have not expresses an interest in a prepaid card. I have a real credit card and a Bank that I have dealt with over 30 years. 

This madness started when I was doing a job search on a site for XXXX about a month ago. I immediately started receiving tons of spam by email & telephone.. NetSpend said to opt out of this offer & future mailings to call XXXX or if you want to activate it call XXXX. I called the number to opt out, expecting to speak to a live Rep but it was not to be. The automated line stated to press option XXXX to opt out & asked for the card number. After entering that info, it requested that you hold on until they activate the card?? I hung up before the next message came on.This is on the opt out line. This is nothing but a scam because I did not request or need this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 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: MD

Complaint narrative:
I had XXXX XXXX XXXX XXXX XXXX service. When I moved I called to close my account. I was told to return the equipment to XXXX. The equipment has returned and I have the receipt. 

I was contacted by a different collection agency in XXXX XXXX and I sent a copy of my receipt. In XXXX XXXX I leaned a collection item was on my credit report. I sent SW Credit a copy of the receipt showing I returned the equipment. They have not removed the collection team from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/2017 a transaction was processed from my prepaid account in the amount of {$100.00} from XXXX. First and foremost XXXX should not have debited the account because I cancelled the scheduled payment however they were able to process the payment on a card that a fraud agent with Net Spend told me would be deactivated. Since I have contacted Net Spend several times to have the money put back in my account because it does not take a rocket scientist to see that with notes a fraud agent with their company told me the card would be deactivated and it was not. Therefore there should not be any question about the transaction because Net Spend 's risk management department informed me that once I activated my new card my old would be deactivated and no charges from that old card should take place. Taking 10 to 45 days to clear a dispute which was clearly their fault in not deactivating the card as I was told caused this transaction to go through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have complained before about our family home of 23 years being stole from under us by Huntington Bank Mortage. We paid everything they asked and they still foreclosed on our house. My grandson who is XXXX XXXX XXXX now is now in counseling because of the XXXX this bank has put us threw. It took " 5 years '' to foreclose on the house according to Huntington Bank. The XXXX XXXX sheriffs office harassed us for months and we finally packed everything into a storage unit and had to leave a lot behind and left. Then on XXXX XXXX XXXX ( my daughters birthday ) they sold the house as a sheriff sale to Huntington Bank for {$48000.00} ( who " owed '' the house in the first place ). Then XXXX5 months later Huntington Bank sent me papers stating I needed to insure the house which we do not own. I called the higher up at Huntington Bank and they stated there is no record of the house being sold and/or foreclosed on. We then received another notice a month or so later stating we still needed to insure the house. Then on XXXX XXXX XXXX at XXXX we found out that the house was going up for a public auction online where the auctioneer stated the house was sold but XXXX XXXX still has the house in Huntington Bank as the owner. We have been threw XXXX with this bank and I am very disappointed in this Bank as well as XXXX XXXX. There was no professionalism at all dealing with this house and will NEVER have another bank loan again! We are currently living with family members and my daughter and grandson are now in government housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Netspend Corporation
State: NY

Complaint narrative:
my name XXXX XXXX XXXX i get supplment secuity payment XXXX to account XXXX XXXX rounting num, ber XXXX on XXXX/XXXX/2016 loacl office XXXX XXXX XXXX XXXX XXXX ny XXXX. input direct deposit netspend ace elite card XXXX my socail secuity XXXX account XXXX. on XXXX/XXXX/2016 unipt XXXX XXXX XXXX XXXX account for paayment XXXX/XXXX/2016 ssi/ socail secuity XXXX account XXXX frame transaction account bank cards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I received a letter from CMRE financial services INC. for a principal amount of XXXX. This is for a XXXX XXXX and XXXX I had done. During the time of this visit I had insurance with XXXX through my father, XXXX XXXX, which they failed to bill. I never received a statement for the money owed they just sent this bill to a collection agency. Furthermore, to add insult to injury, this company is unlawfully charging me interest. The CMRE Account # XXXX PIN # XXXX Account # XXXX. From what I recall this is for XXXX done to gauge my XXXX due to being diagnosed with XXXX in 2011. This was requested, I believe, by a XXXX XXXX XXXX in XXXX XXXX, CA.

Company public response: Company 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 — 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: MA

Complaint narrative:
I have written to Southwest Credit Systems requesting - " proof of the validity of the debt claim made by XXXX, including detailed proof of the amount owed and any interest charged on the alleged debt ; documentation of any and all communications with me regarding the alleged debt ; proof that Southwest Credit Systems is licensed to collect debt in Massachusetts and has a valid legal right to collect the debt ''. To date, Southwest Credit Systems has ignored my request and is falsely reporting this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
On XXXX/XXXX/2016 received a phone call from a female who only said she was from Southwest and wanted to speak to me, when i told her she was she then wanted me to give her my social security number. She would not answer my inquiry as to who was southwest she just kept asking for my social security numer. I refused and she hung up with no explination as to why she called or any explination as to who Southwest was. I found out later while checking my credit report she was from Southwest Credit Systems in XXXX, Texas and that she had just place deragortory comments on my credit report. This person was rude and would not answer any of my questions as to who Southwest was. I will not give out my personal information to anyone over the phoe but she would not take no for a answer. Found out she was a collector trying to get information for collecting a debt i did not know existed. I have never received any mail or other correspondence from this Southwest company. We have moved twice due to selling our house. Still this company is rude with the way rhey treat people. I have checked with the XXXX Texas and supposedly there have been numerous complaints against this company.

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 2016-02-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Association Capital Resources, LLC
State: CA

Complaint narrative:
HOA debt. I received a letter dated XX/XX/XXXX on XXXX/XXXX/XXXX. they called my home phone and spoke to my husband on XX/XX/XXXX who has XXXX. When I finally received the letter of the debt which was not detailed. I found out it was for XXXX XXXX and XXXX XXXX HOA fees plus some accrued interest. I called on XX/XX/XXXX and was told now I owe {$420.00} more because of the time that passed and the fact that I did not return the phone call which my husband answered the phone and is not capable of writing messages. 
I then received a faxed copy of a letter that was sent out supposedly on XXXX XXXX, about 3 weeks from the FIRST letter and now the balance {$750.00}. 
They would not discuss and just said this was owed. I was willing to pay for the HOA fees plus interest and late fees BUT the {$420.00} for collection costs is ludicrous. 
XXXX was rude on the phone. 
I have paid the amount of XXXX which was the balance from the letter dated XX/XX/XXXX

Company response to consumer: Closed
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
COLLECTOR FAILED TO VALIDATE, CALL MY DAD AND SENT COLLECTIONS TO HIS HOUSE AND HAVE BEEN GETTING PHONE CALLS IN VIOLATION OF FDCPA AND TCPA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-11-06 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vital Solutions, Inc.
State: TX

Complaint narrative:
I have been contacted by this company numerous times over the last 3 months via mail and phone regarding a debt that is not mine. I have sent XXXX certified letters explaining the debt is not mine. I have also spoken to an agent and given all the required information to show that this is not my debt. I have not received a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 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: GA

Complaint narrative:
XXXX charge on my account was paid on XXXX/XXXX/2014 but is still open on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: New Era Asset Management, LLC
State: NY

Complaint narrative:
XXXX ( XXXX ) from New Era Asset Management has called my workplace on the unsecured line, called other phone lines in my name, very aggressive nature and states he was told to contact me for a complaint filed in XXXX County for a debt that I owe. I have not received any written documentation from his company regarding the debt or a chance to call them with a resolution. I am recently employed after being laid off 2 years ago and along with caring for my XXXX sick mother and also dealing with my own health issues, I have fallen behind with a lot of debt and will need 3-6 months to get caught up. XXXX states that the " smart '' thing to do would be to call him back. He also states that he knows where I work- this statement implying a threat to interfere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: RESMAC, INC.
State: FL

Complaint narrative:
XXXX XXXX I sent in a loan application to Resmac Mortgage for a reverse mortgage. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl branch was the contact. i provided everything electronically. and called for updates several times. I never heard back and never got a Good Faith or any disclosure of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Netspend Corporation
State: WY

Complaint narrative:
Dear Sir or miss On XXXX XXXX I buy a airline ticked with my debit car net Spend to fly to the XXXX XXXX from XXXX XXXX Wyoming the ticket was {$350.00} however the whether was bad the streets where close and I dint make it to the airport I call the airline 2 day before to tell them the situation I also call my credit card company They told me to submit the my airline ticket witch I di it after few days they give me a refund for the XXXX them they took it again is XX/XX/XXXX and I am still in Wyoming trying to get my money back but they say no the case it has been close and they are not going to give me my money I di everything they told me to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I tried to lower my monthly payments based on my salary and working for a XXXX. Navinet would only give me a forbearance and added on more interest. Unwilling to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I began this investigation because I received a letter from Bank of America stating that my payments would be going up to approximately {$840.00} per month beginning XXXX XXXX. My loan amount was only {$19000.00} which was reflected in my closing documents. I have been paying almost {$300.00} a month on this loan for over 8 years and there is no way I should still owe this much. I contacted Bank of America and was given information on where the missing {$75000.00} went. I was told that {$75000.00} was disbursed to XXXX separate people : MY Financial and XXXX XXXX. I was told that an advancement was taken on my line of credit, deposited into my account ending in XXXX, then XXXX cashier checks were processed and distributed using my debit card and pin. 

The issue is that I did not authorize these transactions. My closing documents, which I signed, state that only XXXX checks were to be disbursed. XXXX was for {$10000.00} and XXXX for {$8500.00} both payable to XXXX XXXX for student loans. No other money was to be taken out of my line of credit and paid to anyone. My payoff amount is {$25000.00}. The closing documents state that I only authorize Lender to automatically deduct from my account, ending in XXXX, the amount of any loan payment which was to begin XXXX XXXX, XXXX. BoA states that money was transferred into account ending in XXXX then taken out. The other issue is that I was never issued a debit card or pin. There are a few pieces of information I still need : 1 ) Who was the agent at the bank who handled my closing on XXXX XXXX, XXXX? 
2 ) What date was the debit card and pin issued? Was it mailed or issued at the bank and by who? When was the pin # established? 
3 ) Who authorized the counter debit and issued the cashier 's checks without me being present? 
4 ) Please verify that the business name is M Y and not M and some other letter. I am coming up with other initials in my search. 
5 ) Location/Address of the branch involved 6 ) What assistance is BoA going to offer me in order to track down the recipients and get my funds back? 

I have been paying on my loan for 8 years on time. I ca n't be expected to pay for money I never received or authorized to be paid to others. If I was going to pay someone any money, I would have included it in my closing documents. I need all of the help and resources that BoA can provide to me as a valued customer. This issue will not be resolved until BoA can determine who at that bank instigated this fraud against me. Until my funds are returned and the parties involved identified, this case will not be considered resolved.

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 2017-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient has only offered me forbearance and never a repayment plan, deferment or loan forgiveness. After logging onto their site Navient does n't list the break down of my loans, which college it is, location, amount of the original loan prior to accrued interest and the amount of interest listed of 2.5 percent is n't accurate either. I would have never agreed to forbearance if all of the risks and high interest were explained to me. Also, Navient continuously stated to me that my income was to high to qualify for anything else other than forbearance before taxes I make XXXX and after tax XXXX. In addition, I have serious health condition that I disclosed to Navient due to my high medical debt from being hospitalized several times, this was to no concern to them they simply ignored it and kept pressing forbearance. In addition, Navient sent me a paper statement just recently when I originally asked for electronic. Lastly, I work for the XXXX and was n't informed I may qualify for loan forgiveness either partially or full.

Company response to consumer: Closed with explanation