vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: GA

Complaint narrative:
This complaint is related to a previous complaint I forwarded to you on XXXX/XXXX/XXXX under Case Number XXXX, XXXX & XXXX. The same collection agency, State Collection and XXXX XXXX XXXX are now sending me, collection notices for services I received from XXXX XXXX on XXXX/XXXX/XXXX. I paid the amount my insurance did not pay in the amount of {$76.00} on XXXX XXXX, XXXX in the amount of {$390.00} which included the amount I owed for my mastectomy at the same hospital on XXXX XXXX, XXXX. This check cleared XXXX XXXX XXXX on XXXX XXXX, XXXX. The check is made payable to XXXX XXXX for services rendered on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. A copy of the cleared check was sent to XXXX XXXX on XXXX XXXX, XXXX and a copy was later sent to State Collection Agency, so there is no reason they should be harassing me over these charges. This is only a continued harassment over the charges I have proven we do not owe on my husband via my previous notices to you. The physical and mental toll of this harassment is taking it 's toll on me and my husband and I feel they are completely out of line and that their actions are punitive. I have notified them repeatedly that I am charging them for the time I have had to invest in responding to these unowed charges and my time charges alone are currently at {$720.00}. This does not include processing fees as well as punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
This is added to complaint number XXXX. Evidently, someone changed my overdraft protection which caused a alleged NSF ( not sufficient funds ). This caused a major problem but I still have n't received notice of this. I do n't believe in consequence, Someone from the IRS at the last minute to deny my tax refund due to the four years use of the Hope Credit. The problem is that I never used the Hope Credit because it does n't apply to me. Due to the NSF my check for rent was n't accepted for XXXX XXXX XXXX and suddenly under time they want to remove me even with funds available. I do n't believe that this fraud can be just happening and you still have n't received an answer from Huntington Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: AZ

Complaint narrative:
Received unsolicited pre-paid debit card. 

When I attempted to contact customer service the phone tree was always looping back to account activation where they requested DOB and SSN. There was no possible way to talk to a customer representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: IL

Complaint narrative:
I am a victim if ID Theft someone called as it was me and had {$1100.00} transferred to a XXXX in XXXX WI netpend states they are no error I informed them that was not me I was a victim of ID theft and needed my money returned they are refusing to give me my money back I have been a customer for 9 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
When I signed up for this checking account, I chose the option for no overdrafts ( if I did not have the funds in my account, then the transaction would be denied. ) However, Huntington has allowed my charges to go through when there were not the funds in the account and recently charged me {$130.00} in overdraft fees. ( XXXX overdraft charges and an " extended '' overdraft fee )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13 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: IN

Complaint narrative:
Southwest Credit System acquired a charged off account that I had through XXXX. They call me 5 or more times a day from various phone numbers. The majority of the times are robo calls and when i answer, it connects me to a live representative. They usually mask the phone number with an Indiana are code since I live in XXXX. The following is an example of what they are doing and this is just from XXXX XXXX. XXXX called 10 times, XXXX called 5 times, XXXX called 4 times, XXXX called 15 times, XXXX called 11 times, XXXX called 9 times and Unavailable called 6 times. There are other numbers and earlier dates but the above mentioned are the most recent. The times of the calls very during the day. For example XXXX ( XXXX ) XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XX/XX/XXXX XXXX., XXXX. and XXXX XX/XX/XXXX XXXX and XXXX. XX/XX/XXXX XXXX and XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX. This company has also put this debt on my credit report which I am trying to dispute. After reporting this, I plan on filing a written cease of communciation notice but I feel this company should be held liable for their collection actions. If any more information is needed please let me know. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
This is a collection agency. My medical bill was already written off by XXXX XXXX and I am even on a Medical Financial Assistance from XXXX. However, the Collection is still insisting that I pay them the medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I have never been late on any payments and I have also disputed with this agency with no return response Huntington National Bank Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I am not aware of this debt, Please help to remove from collection report / credit report asap.

Company response to consumer: Closed
Consumer complaint received 2016-08-09 00:00:00
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: MyScore LLC
State: CA

Complaint narrative:
I am just learning that XXXX is a well- known and much-reported scam. This is a copy of the email that was sent to me asking me to do a free credit report. I am asking for my three months ' billings to be refunded. I am in touch with XXXX Fraud Prevention and I am filing a claim. I have also been in touch with XXXX ( which is the company that you allegedly use ) that this scam is ongoing throughout the US. 
I am on social media and alerting all that this company as a scam. 

Here is another example of it : https : XXXX? XXXX -- -- -- -- -- THIS IS THE FORM LETTER I RECEIVED Hi XXXX, Thank you for your interest in the property listed for rent. You were the second to e-mail from the ad. The first prospective tenant no longer had to move because of his home situation. So we give the opportunity to you. We are now ready to lease with flexible terms and just completed all new renovations. We will work with you on move in date, lease length and security deposit. 

I understand that you desire the exact address of the property but my husband does not want me divulge due to safety reasons. We have had a string of break-ins, squatters and thefts at our other properties. We want to prevent that with this property because of the renovations that have cost plenty of money. You 'll be the first to move in with the renovations. That is why we want to confirm you haveyour updated report before we schedule a tour. 

All utilities are priced into the lease along with garage parking spaces. The appliances in the kitchen as well as laundry room were just installed. You have the option to pick your paint color and flooring priorto your arrival If you would like to set up an appointment, go to the link below and request a copy of your report. We recommend this site because all of our tenants used it and have n't had any problems. Just fill out the form and indicate that you want the report. We are not concerned with any negative report items, it 's more of a formality to ensure you have rental history. You can get your report by CLICKING HERE Do not send me the report over mail, bring it to the tour. Please let me know when you grab your report. I can then schedule you for a walk through of the place. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I BROUGHT A BRAIN ENHANCER ONLINE AND XXXX $ CAME OUT MY ACCOUNT 3 DAYS LATER THE SAME PEOPLE TOOK OUT XXXX BUCKS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 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: VA

Complaint narrative:
I have talked with this company XXXX and asked them to contact me in XXXX and i will make arrangements. They are constantly calling my work phone. I dont know, how they got this number, but i 've asked them not to call it. They want me to pay {$480.00} for a carpent replacement, when all the carpet needed was cleaning. The collections agency is constantly flagging my credit report every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-18 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: MO

Complaint narrative:
While I was undergoing a credit check in order to obtain my XXXX license, it was discovered that I had a previously unknown collection account on my credit. I contacted the debt collector " Southwest Credit XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone XXXX '' and was told it was a debt to XXXX from several years earlier. I asked them for verification of the debt, however all they sent me was what looks like a blank XXXX bill with the amount they say I owe as a " previous balance. '' I called them back and they told me that that was all that they have and I would have to call XXXX myself. When I called XXXX I was told that they do not know what they debt was for and that I would have to get that information from the debt collector. I talked to Southwest Credit XXXX XXXX time and they were very curt and said " We gave you what we have, now you need to pay. '' While no one at either XXXX or Southwest Credit can explain what the debt is for, my fear is that they are claiming that they never got their cable boxes back. When I closed my account I did so in person and turned in my equipment, but for almost 6 months I got phone calls almost every day saying I had not returned my equipment. I always told the caller that I did return my cable boxes and they always said they would look into it, and then the calls would keep coming. At this point I do n't know what to do, I firmly believe the debt is not valid and neither XXXX nor Southwest Credit will provide me with anything to show that it is valid ... however this is seriously endangering my employment and if it is not resolved soon I will be force to pay it. I 'm basically being held hostage and robbed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-13 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: NJ

Complaint narrative:
I paid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Hello, On XXXX/XXXX/15 Huntington Bank double debited checking account customers due to system errors. My account was affected, resulting debit transactions being declined even though I had money in my account. This was embarrassing and unacceptable. Moreover, My overdraft protection kicked in so i had to manually move that money back to my overdraft account. Once I moved the overdraft money back, Huntington also automatically moved that money back resulting in my checking account to be debited an extra {$1100.00}. We are now over 1 week since Huntington erroneously double debited XXXX folks and my checking and overdraft account are STILL broken. My own money has not been available to me for quite some time. I have been advised different things from various Huntington employees, and so far none have been true or correct. I have chat transcripts and there are recorded phone conversations as proof that I have been lied to on multiple occasions. I am very concerned that this will not get fixed, as we are at over a week since the double debit issue. This is extremely concerning behavior by Huntington towards its customers. At this point I have no choice but to continue to escalate, as I have bills that need paid and transactions I need to complete. Assistance in getting this escalated and resolved would be greatly appreciated. 

1. I was advised that since I manually transferred the money back to my ODP account the automatic transfer would NOT apply. This was not true. 
2. I then chatted with a bank rep ( I have the chat transcript ), who advised me to just transfer the money from the ODP back to the checking acct. This did not work since the ODP account was in the negative, another false statement from a Huntington rep. 
3. I spoke to a phone bank rep on XX/XX/XXXX ( which was recorded and on record ), who promised me the issue would be fixed overnight. This was not true, it had not been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America canceled our mortgage application, 7 days before closing, claiming we lacked sufficient funds available for closing. For almost 30 days, BoA had the necessary information to see proof that we had sufficient funds, but apparently never processed the documents internally so that they were available to the underwriter. Initially, our mortgage officer claimed we were denied for not submitting a copy of a check showing sale of a mututal funds for closing funds, but later admited they never asked for the canceled check. For 3+ weeks, it appears BOA did not process any documentation they had requested, then at the last minute, tried to fix their errors. Mortgage officer was unreasonably hard to get ahold of, ignored multiple requests for status updates, then had the audacity to blame us, the consumer, for Bank of America 's own failings. Had Bank of America reviewed the documents they had requested and received in a timely manner, they would have seen sufficient funds for closing, or would have had time to request further information. BoA did neither - they simply canceled a mortgage application 7 days before closing, 38 days into the process. 

We acted in good faith, submitting all requested documentation within 24 hours at each request. We sent multiple emails requesting status updates and got no response. Bank of America simply failed to execute the mortgage application due to their own errors and mistakes. Their reasoning for cancellation ignores the multiple documents submitted that clearly show our ability to close. 

It 's hard for us to understand anything we could have done better. Bank of America clearly failed, clearly made mistakes and clearly canceled our mortgage due to their own errors. The consumer is left dealing with the damage and heartache while Bank of America can move on to other mortgages as if nothing has happened.

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 2017-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My mother sent a check for {$14000.00} to Navient to pay off my student loan debt. The check was cashed by Navient on XX/XX/XXXX, 2017 but has yet to be credited to my account. I have contacted Navient on XXXX different occasions and they have yet to credit the money to my account. They claim that the check was going to be refunded to my mother, because they did not realize it was for my account but then they realized it belonged in my account, and now are in the process of crediting it to my account. However, they have been saying the same thing for 22 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 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: CA

Complaint narrative:
XXXX and Navient debt collection agency is harrassing me at my work, and my bosses via personal cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: NC

Complaint narrative:
The collection put a debt on my credit report which does not belong to me. It is a medical bill which belong to a child. When I called the company regarding the debt they told me I had to find out the information for the child in question and give it to them or that they would continue to report it as my debt. I told them I did not know anything about the child in question. I only knew the child 's name because one of their nicer creditors told me. I called the hospital in question regarding the debt and they said, clearly the debt do not belong to me and they have no record of any debt for me. When I called the collection agency back and informed them what the hospital stated, they said I had to send them in writing a letter disputing the debt which I did. They intern, sent me back a response stating " due to the concerns outlined in the letter I sent, their office has reviewed the account. According to your dispute, the account in question does not belong to you. In order to complete our investigation and resolve this matter, we need your assistance. Please provide this office with a copy of your Driver 's license/Identification Card and Social Security XXXX so we can verify your identity. Am I suppose to send them these documents. They used my SSN when they placed this debt on my credit report. I have been a victom of identity fraud before and am not comfortable with sending my documents through the mail. Why ca n't they just remove the information if they know that it is not accurate. North Carolina Permit # XXXX The company is Syndicated Office Systems , Inc. dba Central Financial Control Inc XXXX XXXX XXXX XXXX. XXXX, CA. They listed this same debt three times on my credit reports under both company 's name Please advise on sending personal identification to collection agency for the purpose of removing debt that does not belong to me. Thanks for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I wanted to stop a payment on a reoccurring charge from XXXX XXXX on my Bank of America checking account. I do n't plan on being in the area for a long time but XXXX XXXX needed proof that I was leaving to cancel my membership. I called the bank and they charged me thirty dollars to put a stop payment in place. Two to 3 days later, XXXX was able to access {$96.00} dollars from my debit card. I called the bank again and they told me that since the payment was still processing, I could call back and file a claim to get the money back once the payment went through. I did n't have time to immediately address this matter but after looking at my checking account purchases again, I saw another {$96.00} transaction from XXXX. I called the bank and spoke to a man named XXXX who told me that they did the wrong transaction to properly stop the payment when I originally called and that I probably would not get my money back since I did not cancel the gym membership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
A credit card from Bank of America is on my credit report. I do not have this card. I beleave my ex wife has it and wont take me off of the card. I am since remarried and we are trying to buy a home but the amount on this card is a real problem.

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 non-monetary relief
Consumer complaint received 2017-01-21 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: OH

Complaint narrative:
I have my majority of my student loans through Navient, both federal and private, and they have refused to put me on an income-based repayment plan. I have pleaded and argued with them for months now and continue to deny me this service. I have also noticed that every time I speak to an employee at Navient I am told different information whether it is I can file for forebearance or not until my current balance is due, which they currently charged me late fees that add up to {$810.00}. I am sick and tired of being used as a living bank that they think they can take all of my money, and leave me with nothing to live for.

Company response to consumer: Closed with explanation