vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Houston Finance Co.
State: TX

Complaint narrative:
I submitted a dispute regarding Houston finance and how it was reporting on my credit and they stated that they would remove the reporting from my credit and it has not been updated. Please see below. 

Case number : XXXX Back STATUS Response disputed Houston finance said : Explanation of closure We will delete the account from all XXXX Credit Bureaus. 

Response We never received direct communication from XXXX XXXX concerning her credit bureau rating. We did get a dispute from the Credit Bureau which we responded was correct. Her account was due to pay out XXXX/XXXX/XXXX. XXXX paid the account out XXXX/XXXX/XXXX which was over 120 days late. We will delete the account from all XXXX Credit Bureaus due to the fact that we did get paid and it was a long time ago. 
WHAT HAPPENED Describe what happened so we can understand the issue ... 
Houston finance has been paid off and closed since XXXX and I disputed this account with the credit bureaus and it came back as reported accurate. This account is reporting that it 's 120 days past due and that is impossible if it 's paid off not to mention it was never to the 120 days late. This account is affecting of my credit report and credit rating by inaccurately reporting the status as 120 days late. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Consumer Loan : Installment loan Which of these best describes your issue? Managing the loan or lease DESIRED RESOLUTION What do you think would be a fair resolution to your issue? 
This account needs to be deleted from all XXXX credit bureaus for violating federal and state laws of consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 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: TX

Complaint narrative:
Today, XXXX/XXXX/15, I was reviewing my credit reports when I noticed a derogatory collections remark added to my XXXX credit report from SW Credit collections Agency. I was caught by surprise because I never received any collections notification with the right to dispute this debt that I do NOT owe. I am dumbfound by such a collections approach. To me this seem to be fraud and defamation of Character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: IL

Complaint narrative:
PayPal is randomly sending PayPal account holders debit cards without permission ( unless permission is buried in fine print ). Recipients of the card do n't know what it is, why we are receiving it, if it was fraudulently requested, etc. -- then we have to spend 20 minutes holding for PayPal customer service only to find out that PayPal randomly sends the cards to account holders whether or not they request it. It is absolutely ridiculous and PayPal should know better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Netspend Corporation
State: MN

Complaint narrative:
I opened up a Netspend account and you can access reload locations in Minnesota at most XXXX XXXX XXXX. I was at the XXXX in XXXX MN yesterday on XXXX/XXXX/2016 and store clerk XXXX assisted me. Store # XXXX XXXX XXXX XXXX XXXX XXXX MN Phone number XXXX. I was trying to put {$500.00} on my card and there is a {$3.00} transaction fee. He said it went through took my money and I thought that was it. I went out to my car and realized I never got the instant text message alerting me to my funds being added. I immediately get on the phone to call Netspend Customer Service and they were clueless. I went back into the gas station and XXXX told me that he could not help me my money was in the safe and that I would have to speak to a manager XXXX or XXXX on XXXX/XXXX/2016. I called the store at XXXX this morning on XXXX/XXXX/2016 and spoke to XXXX. He told me could I come in there with my receipt. I did just that got there around XXXX. He looked into it and found that he was getting a failed message unable to load my pre-paid debit card. I just want my {$500.00} back. XXXX took my only proof in my receipt to take my Name, Phone Number, & Address down. I have contacted Netspend via e-mail will be calling them back. I have called & emailed XXXX XXXX XXXX corporation but I 'm afraid I 'm not going to get my money back. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 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: FL

Complaint narrative:
I received notification I have an XXXX debt which is false. Requested validation and nothing has been received. Please help

Company response to consumer: Closed
Consumer complaint received 2015-10-12 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: MN

Complaint narrative:
I was not properly notified whether or not I owed a {$280.00} XXXX bill that is now in collection and is adversely affecting my credit score. 

I had XXXX 2 years ago. I took a small break from their services and then I re-established service. I have maintained my account current at all times. When I took a break from having XXXX services I was not notified that I had a remaining balance due. When I reconnected services, I was never notified that I had an outstanding balance. I was re-issued service and I have maintained my bill current the entire time. I have recently reviewed my credit report and a {$280.00} collection appeared. I disputed the account because I did not recognize it. The account ended up being verified. I called the collection agency XXXX Southwest Credit System XXXX and they gave me an account number to give XXXX. They ended up finding an account that had a past due balance that is not linked to the account I have now. 

I feel that XXXX did not properly keep records of my past and current account balances even though the service was reconnected at the exact same address with all of my exact same personal data. As far as I was concerned ( and according to my monthly bill XXXX everything was current on my account. 

If I would have been notified that I had a past due balance at the time I disconnect, during my service break, or once I reconnected my service, I would have paid it. I have lived at the same address during that service break ( before, during, and after ) and I was never notified that I owed this amount. 

I feel that this is not FAIR Credit Reporting because now I have an account in collection that I never knew about. I even attempted to call with my current account information and they always told me that my account was current. 

If I would have been issued a regular bill I would have paid it but this collection notice was the first time I found out about this account.

Company response to consumer: Closed
Consumer complaint received 2015-10-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received a post card from Huntington Bank, stating that if I open a checking accounting plus a payroll direct deposit over next 60 days, I would receive {$200.00} incentives. But I could not find it when I wanted to open an account. Then, I went to the local XXXX branch. The manger searched their database and could not find any records of their mailing to me. He also tried to see any unused promotion codes that he could apply it to me. He did not find any. I went back home and XXXX the promotion. I found that Huntington Bank website offered the same promotion but with {$150.00} incentives. I applied for a checking & saving account online on XXXX/XXXX/2015. Everything went smoothly. I forgot the {$150.00} until one day I received a message from the Bank, stating that if I could open a money market account, I would receive {$100.00} incentives. This reminded me about my {$150.00}. On XXXX/XXXX/2015 ( XXXX ), I called XXXX from my cell and talked to a lady. She said that there was a problem in my initial application. She would initiate an investigation to find out whether there was an online promotion during the period that I opened an account. She said that I would receive findings in mail in FIVE days and asked me to call back if I did not receive the letter. On XXXX/XXXX/2015 XXXX XXXX XXXX, I called XXXX from my home because I did not receive any mail ( even up to today XXXX/XXXX/2015 ). The gentleman that I talked to said that they were still investigating it and the information given previously was misleading. I was mad. I could smell that the bank was not sincere. On XXXX/XXXX/2015 XXXX XXXX ), I called XXXX from my office. A lady answered me. She saw the time that I called but she did not find why I was calling for. She said that the promotion code that I entered was " funny ''. It is funny if a wrong code was entered, the Bank would reject it immediately. She said that she would fill a form and expedite the investigation. To be honest, I am getting to lose the confidence in this bank. I filed a complaint XXXX on XXXX/XXXX/2015 XXXX Refer # XXXX XXXX. Today, XXXX told me that the Bank required more time to investigate the matter. It has been 30 days since I initially filed the complaint to the Bank on XXXX/XXXX/2015. It is a simple issue. What is going on with the Bank?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Southwest Credit Systems, L.P.
State: AR

Complaint narrative:
Reporting/collecting unverified/unvalidated debt to credit bureaus. They are not licensed to collect in my state ( Arkansas ) to do so,. See Ark. XXXX XXXX. XXXX. The statue of limitations is up in my state. AR Code XXXX XXXX. XXXX XXXX This is a violation of AR collection law and fair debt reporting practices. I have been disputing a collection account on my report from Southwest Credit Systems, L.P. ( original creditor XXXX XXXX XXXX XXXX ) since XXXX 2016. On XXXX 2016 the account was removed from my XXXX credit report because it could not be verified or validated ; and at this time XXXX was the only bureau reporting the collection account. Since, the company has changed the address and even date and re-reported the debt without my knowledge or the 5-day notice required by law to notify that it would be re-inserted. This situation is really hurting my credit reports on all XXXX bureaus and affecting my ability to purchase a reliable vehicle and take care of my family. I check with a lawyer and we have found multiple violations. The collection should not be on my report and is affecting my ability to purchase a reliable vehicle and take care of my family. Please remove this from all XXXX bureaus as it is being unfairly and wrongly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted XXXX applications through the Bank of America, which were both declined and as a result, have negatively affected my credit score due to the number of credit enquiries. The first application submitted for an additional credit card was declined due to not having a 'credit history '. I was issued a letter outing this however, no information was provided to me confirming what the Bank of America classifies as a 'credit history ', how long it would take to establish a 'credit history ' or what I could do to establish a 'credit history '. I did not receive a follow-up phone call or information advising where I could access this information. 

The second application for refinancing on an auto loan I submitted on XXXX XXXX, 2016. I submitted my second application confidently once I was given strong advice by XXXX of your employees that I would not have an issue with the approval of this application given I have been banking with Bank of America for over a year and other factors that were discussed. These employees were XXXX XXXX, a personal banker and the XXXX XXXX, XXXX XXXX location and XXXX XXXX, a relationship manager at the XXXX XXXX XXXX, XXXX XXXX location. My XXXX application for refinancing was declined due to not having a 'credit history '.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington bank has again double debited my checking account!! This time it 's XXXX transactions totaling {$140.00} I have printed copies of the bank statement real time before they change it in the morning, like they did before, they are able to manipulate balance, erase deposits, shift numbers around so that it would be near impossible to figure out except for a brief period where the double debits show, I submitted printed copies of my bank statement showing transactions debited twice with balance once in pending and once in completed. They will change the numbers around ( meaning removing the pending transactions in the morning ) but will not change double debited balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Unprecedented case. After 30 years working with Merchant Services, Bank of America, XXXX XXXX, the XXXX XXXX VISA/MC bankcard machine we used during the ... craft show, did not capture XXXX of a XXXX day craft show resulting in lost revenue ( cyberspace ) of approximately {$9700.00}. Our XX/XX/XXXX show ran XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX Tuesday through Saturday. On Wednesday, our credit card machine ( always set to work offline due to poor phone lines at XXXX ) continued to accept customer bankcards from XXXX until XXXX and " batched out '' properly. However, the batch report seemed rather odd indicating a bankcard entered at XXXX and the last XXXX batched out at closing. We immediately notified XXXX XXXX Merchant Services through B of A XXXX. It has been 14 days now and our {$9700.00} remains 'lost ' in cyberspace. Merchant research department, technical department, B of A president in XXXX, XXXX XXXX top leader, XXXX XXXX XXXX office, XXXX and more reps are all unable to locate our funds. They do not know what to do. We are now asking for our {$9700.00} to be put back into our account so that we may move forward to pay our contracted vendors. When the bank asked for more information, we provided XXXX signed receipts with individual charges totaling {$9700.00} including a few cards that may have been declined. We were smart enough to capture phone numbers from XXXX customers per receipt ... but we do not feel it is our job to have to invoice each customer as the bankcards were never declined ... they were simply 'no where to be found '. Bank of America should refund our lost/stolen money and take care of collecting from the customers themselves. It has been 14 days now and the lost authorization receipts have a shelf life of no more than 30 days. Where is our money? Why is B of A shrugging their shoulders and not helping us? We feel, as small business owners we are being treated unfairly when compared to the bigger guys. We are the XXXX ' trying hard to sling our voices towards XXXX ... .Can anyone help us?????

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 2016-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account was sent to collections regarding an account that covered my checking account in the event I had insufficient funds. Currently I would like to agree on a settlement. 

I have had terrible luck in communicating with any representative to settle this collection issue.

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 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have been trying to work with BOA in qualifying for a program to lower my payments-specifically my interest rate with no assistance. I began the process speaking with a HUD counselor who assured me I met the HAMP guidelines due to the extensive questionnaire and financial information she collected. After many months I was told I qualified for a trail modification which RAISED my payment with no other changes to the loan. After appealing my decision I was told again I did not qualify for any program and this letter dated XXXX stated I was not interested in refinance options at this time. What exactly do you call trying to lower your payment and interest rate?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Ok, first problem is that I have {$15.00} in rewards that I am not being allowed to redeem because I did not meet the {$25.00} minimum requirement before they closed this account. Next, the 0 % interest agreement was for almost 2 years, including more on the balance transfers and I am still getting charged interest. This XX/XX/XXXX month, I was charged almost {$60.00} in interest that should not be there.

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 2016-03-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: GreenSky, LLC
State: FL

Complaint narrative:
I received a home improvement loan from Home Depot. I have requested on numerous occasions an " itemized '' accounting of all the charges. There were services cancelled, credited and not done at all, but I can not verify the charges. I contacted the XXXX XXXX in XXXX, Georgia with a written request and was sent a " payment history ''. I am charged for items, assessed interest and demanded to pay what they will not verify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XX/XX/XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00}. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number Transunion and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with Transunion, the man who spoke to me from Transunion told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the Transunion representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.

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