BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I recently opened a small business account with The Huntington National Bank. I specifically asked and was told that they do not stack withdrawals ahead of deposits, Apparenty they do. I had my deposit and a check for my house payment post to my account on the same day. Huntington chose to return the check and charge me a fee then add my deposit. I had even called them the day before to make certain that this would not happen. I was told that they never do this and that there should not be a problem. When I confronted them about it I was told, " Sorry, it is what it is '' and that the check was posted to my account the day before my deposit. I repeatedly told the account manager that it was not the case and was looking at the transactions on their site to which he again reiterated that it was the day prior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-29
Company: Allgate Financial, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
CFPB Ordered XXXX XXXX to Refund {$34.00} XXXX for Deceptive Health-Care Credit Card Enrollment. 

I am a victim of XXXX XXXX and I have not been notified by this Company about the settlement that has been enforced by CFPB. I am still getting letters from Attorneys asking me to pay over {$2000.00} to XXXX XXXX for the deceptive services that I received from my Dentist Office. This account goes back to 2002, I have written them and asked to have my balance reviewed and asked to get a lower interest rate and lower payments. They have not given me any consideration. I contacted CFPB and they asked me to put in a complaint on this site. 

Please respond. 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Called regarding a cable bill for a location I have never lived with a company I have never had an account with and wo n't stop calling. They are robo-dial calls, so generally there is no one on the other end. I have disputed the claim and left XXXX messages for their dispute department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Background : My business savings at Huntington is used for paying taxes and insurance only, therefore I put money in on a monthly basis, till they are due in XXXX. 
I reviewed that account on XX/XX/2016, only to realize it had been hacked on the Bank end, going back several months. I filed a fraud alert that day ; Huntington Bank returned most of the money within a couple weeks, however, refuses to return the remaining saying they only return back for 90 days. They are refusing to return {$840.00}. I 've called headquarters, and spoken to the Bank manager, but now I 'm hoping you can help. I feel I am being pressured to accept it or go through the extensive work to move everything to another institute. As a business owner, I have several tentacles wrapped into my XXXX accounts with Huntington. To move would be costly and time consuming. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Southwest Credit Systems, L.P.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The original principal was caused by a typo of my address when mailing the bill and not long after that, SouthwestCredit contacted me stating the principal belonged to them. The typo of address was made by XXXX XXXX XXXX. 

SouthwestCredit has never told me my right to dispute the collection for all the times they contacted me. 

SouthwestCredit did not either provide verification of debt at all. It should be mailed in within 5 days after the first attempt.

Company response to consumer: Closed
Consumer complaint received 2015-07-27
Company: Netspend Corporation
State: IA
Product: Prepaid card
Sub-product: Payroll card
Issue: Advertising, marketing or disclosures

Complaint:
On XXXX XXXX, 2015, I received a prepaid XXXX Debit card from a company named NetSpend. I have notified Iowa 's Attorney General 's Office and NetSpend that I did not sign up for a this type of card. NetSpend sent an email back to me stating that they would remove my personal information and to cut up the card. I recently started looking at online surveys but have not received any funds or rewards. I am not sure if NetSpend received my information from a survey affiliate or my personal information was sold to a XXXX party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am XXXX years old. I went back to college about XXXX and, unfortunately, I selected a school called XXXX, later known as one of the " XXXX '' schools. I took out several student loans totalling about {$15000.00}. 
I have been unemployed since XX/XX/XXXX and have had my Navient account in forbearance. I just learned today that I am no longer eligible for forbearance or deferment, and my account will be going to collections. I filed Chapter XXXX bankruptcy in XX/XX/XXXX, but Navient claims they have no record of that bankruptcy. I am concerned that if this account is in collections when I turn XXXX and I apply for social security, that Navient will garnish my SSI. I have been awaiting a solution for students of the XXXX disaster, but nothing has appeared yet. 
How can I prevent my account from going into collections pending a sollution for students that were defrauded by XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute a situation with  XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of  XXXX  and Experian. It is past the seven years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a much longer period of time.     There has been very strange activity with this  XXXX   XXXX  account on the credit bureau reports. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting payments made from  XXXX  to  XXXX  as well as multiple consistent 120 day late entries from  XXXX  to  XXXX . I have made absolutely none of these payments! Actual pictures of the check or money order used to make the payments are being requested. It would seem as if the account was re-aged consistently over several years from  XXXX  to  XXXX . If, in fact, this was the activity being performed then it was without my involvement and consent and why I have brought up the matter with the Consumer Financial Protection Bureau.

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 2016-02-09
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have several private loans with XXXX XXXX now Navient. I called to lower my payments, my credit history and purchases were looked up without my permission unbeknownst to me. She then puts me on a brief hold, then she comes back reporting, '' Well you brought a car knowing you had to pay us '' and hung up. 
I did not give her permission to do this, she needed my permission to access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I sent navient all the paperwork they need to do a discharge for my student loans and they have denied me twice I went to XXXX University online and they committed fraud and their college was closed and now I am still in school and navient will not dischage these loans so that I can re add back my subsidized and unsubsidized by this school. I would like to get these loans discharged so that I can finish the next two years of my XXXX then get my XXXX without the rest of this funding I will have to drop from college at XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Advertising and marketing

Complaint:
HH Gregg advertises available financing on their website in XXXX easy steps. This would lead the average consumer to believe after being approved, they could immediately purchase items online. However, HH Gregg has advised their financing company, Synchrony Bank, not to disclose the account number to the applicant prior to the applicant receiving their card. Synchrony Bank will only provide the account information to HH Gregg staff. This prevents a new applicant from immediately utilizing their credit & obtaining all available discounts online. Furthermore, Synchrony will not release account number to customer even after purchase is made if requested prior to 14 days after application approval. This practice is deceptive and unethical. HH Gregg & Synchrony Bank are colluding to extend credit to consumers, and then withhold information pertaining to that credit once approved for an extended period ... in an elaborate scheme that essentially boils down to petty price-fixing. When contacting Synchrony Bank to obtain account number for online account setup AFTER making an in-store purchase with HH Gregg but prior to receiving the first statement/bill, they advise they can not disclose the account number. When asked why, they explain " it is the policy '' repeatedly. When pressed why that is the policy, their only explanation is " because that is what HH Gregg has requested ''. To offer credit online and not disclose that the line can not be immediately utilized online prior to the application - that is fraud & deception. To extend credit to a borrower and then refuse to disclose the account number to the borrower for 14 days ... may not be illegal ... but it certainly is n't an ethical business practice. If the excuse is security, that excuse is quickly eliminated since in-store purchases can be made immediately upon approval utilizing the same information you would provide over the phone to obtain the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Mercedes Benz Financial Services
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have XXXX open auto loan with Mercedes Benz Financial Services. I contacted MBFS because they had not been updating my balance with the credit bureaus. They stated that they would update my balance. Instead, they updated my balance to more than I originally purchased the auto for. I then contacted MBFS again and did not get anywhere with them. I filed complaints against MBFS and a member of their executive team, XXXX XXXX contacted me and stated that she would make sure the correct balance was reported. Two days later, I receive notification from XXXX that the MBFS account had been updated to reflect the correct balance owed HOWEVER, they also added another account to my credit report under XXXX XXXX XXXX using the same account number as I have with MBFS. Now I have XXXX accounts listed on my XXXX credit report with the same account number and different balances. XXXX stated to me that they can not remove the duplicate because it was reported under XXXX XXXX XXXX and that I would have to deal directly with MBFS. The account listed under MBFS is reported with the correct balance of {$48000.00} and the false XXXX XXXX XXXX is reported a balance of {$50000.00}. Both have identical account numbers but different balances. MBFS is listed underneath the XXXX XXXX XXXX. I now can not go forward with my home loan because my XXXX credit report shows that I have over {$99000.00} in auto loans which is FALSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter stating that I owed XXXX money and they were attempting to collect it. I contacted XXXX and they do n't know this company and I do n't owe any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Optimum Outcomes, Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Upon review of my XXXX Credit report I noticed company name : Optimum Outcomes has reported a collection account under my name. I do not have any binding agreement with Optimum Outcomes and was not aware or notified of this item being reported under a collection status. This account is showing in a closed status with a balance of XXXX in a paid status. Please explain why this company is reporting this account as collection. 
Please attach copies of : Please have company provide the following : Complete payment history, the requirement of which has been established Agreement that bears the signature of the alleged debtor Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name to the XXXX incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company bought a debt that has been disputed and removed from my credit reports. There is NO CONTRACT or any evidence bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS DEBT STAYED ON MY CREDIT REPORT FOR 9+ YEARS!! 
I TOLD THE CREDITS BUREAUS THIS NOT MY DEBT. IT IS A XXXX XXXX XXXX DEBT I KNOW NOTHING OF. IN 2012 OR NEAR, XXXX ATTEMPTED TO COLLECT SAME DEBT. I TOLD THEM THIS IS NOT MY DEBT. I AM XXXX VETERAN AND THIS IS CAUSING ME UNNECESSARY STRESS PLEASE ASSIST. I AM XXXX SORRY FOR CAPS.

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 2017-04-07
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CONVERGENT is trying to collect a debt that is not mine. According to XXXX this acct was not opened with no date of birth or social under their no credit check program. my name is a common and and I also have a cousin with the same exact first middle and last name. I am requesting this to be removed because this is not my debt.

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 2016-08-08
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am the victim of identity theft. Several years ago I banked with XXXX XXXX. XXXX had a massive data breach which resulted in my full name, driver 's license, social security number and birthday being sent to over XXXX people. Several accounts were opened in my name as a result. One of them was a residential lease that I was not part of and then cable service at this address I never lived at. During the time this lease was executed I did not even live in the state let alone the city. I have provided all credit reporting agencies and this company with proof yet this company continues to report this false information. I am attaching a proof of identity theft from XXXX XXXX which includes a phone number any creditor may call to validate my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: Blackhawk Network Holdings Inc.
State: OR
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Blackhawk Network has seized XXXX my accounts worth {$1500.00} Blackhawk Network Holdings XXXX Inc. XXXX BHN XXXX, doing business as T-Mobile XXXX XXXX and PayPower Visa XXXX, has seized XXXX my accounts with {$1500.00} between the XXXX : T-Mobile : XXXX XXXX XXXX ) Paypower : ******************* ( XXXX ) These accounts were funded entirely by me and were seized without cause, contact, or reason, immediately AFTER I loaded the funds to the account. In other words, BHN PURPOSELY WAITED FOR ME TO FUND THE ACCOUNTS BEFORE SEIZURE. 

This company is a borderline criminal organization and should be investigated by the appropriate authorities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-02
Company: CountryPlace Acceptance Corporation
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX my wife at the time and I purchased a manufactured home. Country Place Mortgage held the loan. XX/XX/XXXX I separated from her and moved out of the home. At that time she had agreed to pay the mortgage payments. Sometime after that the home was repossessed. I learned of this in XXXX XXXX I believe. Each year since I have tried contacting them to determine what the home sold for and if they were going to issue a XXXX to the IRS. Phone calls have not resulted in anything other than them telling me they have time to decide what they are going to do. They will not even tell me what the home sold for. I have since learned the home was re-titled XX/XX/XXXX to a business or leasing company. Currently they are reporting I owe {$75000.00} to all XXXX credit bureaus. This amount does not reflect properly even if the home was sold for {$1.00} I have recently obtained court documents that show they " served '' me via a 3rd party. The server states they asked if I was an XXXX XXXX Service Member of The U.S or New York and received a negative reply. I am in fact currently on XXXX XXXX in New York and was at the that time as well. Country Place WAS aware of this as I had sent my orders and a copy of the NYS Patriot Plan. I fully understand I will likely owe something regarding this as will my wife as it is a joint account. I am hoping to be divorced as soon as possible. I just need to know how much is pending and if or when they will issue a XXXX to which I would need to pay income tax on. This situation is now causing issues with my security clearance. I had thought I was handling this properly by reaching out to them yearly to ensure whether or not a XXXX was issued or to determine exactly what was owed. Any and all assistance is appreciated regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Northland Group Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I hired someone in IOWA to do work for our company. They never delivered anything. My company requested a refund. Initially he refused to issue a refund. Then agreed to a partial refund. He never made any effort to give any money back. We filed a claim with paypal who denied our disputes due to him lying and giving the false tracking number # XXXX. We then filed a chargeback through our Bank - Bank of America. The merchant has confirmed IN WRITING that they owe a refund and that they are NOT WITHOLDING our chargeback. They have agreed to refund us and say that XXXX has already WITHDRAWN THE FULL AMOUNT OF {$4600.00} from his account! All that is left is for BOA to credit my account. 

For almost 60 days now, I have made close to XXXX phone calls, spending hours on the phone with BOA who has also lied and has given us the runaround with false escalations, etc. 

First they were waiting on response from paypal ( not true ), then they claimed evidence was given ( not true ), they never sent me any paperwork, never sent me any emails, and never let me speak to so-called " investigators '' who make the actual decision. 

I have been mysteriously disconnected after waiting on hold in excess of 30 minutes multiple times. All of this, and they are supposed to be ON MY SIDE of the dispute. 

All evidence points back to BOA witholding information, dragging their feet and not showing any interest in resolving this issue. One rep told me " I do n't know why they have n't even looked at your request yet ''.

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 monetary relief