vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
My loan was originally taken out through XXXX XXXX XXXX XXXX. Without notifying me, they then transferred the loan to XXXX XXXX. XXXX then told me I had to contact a different servicer, ECSI. ECSI now has two of my loans and every single time I call to speak with them they confuse what loan I am calling to speak about, which is a hindrance but I can deal with it. My main complaint is that when talking with a representative from ECSI in XXXX to discuss taking my loan off of automatic repayment, they told me that I had a " grace period '' from the XXXX of the month until the XXXX to pay. What they did not tell me was that my interest rate would go up, increasing the amount I have to pay every month, and that additionally I would be accruing interest every day that the loan goes unpaid. I have been facing payments more than I paid before, and they now include interest charges on top of that. Every representative I have spoken to since has said that the information I was given was wrong, but they will not do anything to take off the interest charges. Additionally, my billing statement has a lower amount due than what I am told to pay when I log in. I am attaching documentation of what I was told to pay, and receipt of my payment for that amount rather than the higher one. " Included with the documentation is a chat log from today, XXXX XXXX, 2016, when I was told that my interest rate was raised. I never received correspondence about this. It is supposed to be a fixed interest rate, and I am assuming it was raised when I turned off recurring payments but apparently there is no way to get it back down now that it is with a different servicer. I was told during a chat with a representative that " some credit unions give discounts if you are on reoccurring payments but theres no way i can tell you if your credit union lendkey had you consolidate with is one of those '' ( XXXX ). I am extremely tired of not knowing what happened with my loan, my interest rates going up, my monthly payments changing, and being told misinformation that costs me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: CA

Complaint narrative:
My name is XXXX I attended XXXX XXXX in XXXX CA. This school has been shut down. I had a private loan through Genesis Lending. I have no Idea how to repay this or if they are in some kind of lawsuit I would like to know the status of this. They no longer have a website or contact number. 

If you can find any info on my account or on the loan company that would be appreciated. 



Thank You

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 2016-09-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I am writing this missive to complain about unfair collection practices of a law firm, Andreu, Palma, Lavin, Solis. Apparently they represent a collection agency. They sent me a letter XX/XX/2016 informing me of their representation of a debt collector. I IMMEDIATELY wrote a letter attempting to understand who they were and who they were representing as well as any facts germane to this collection. I never received a reply from them, even though MY letter to them requested a reply so that I could understand their contention. I never received a reply from them. XX/XX/XXXX I reached out directly to XXXX XXXX who is a partner in the aforementioned law firm. He acknowledged receipt of my letter and admitted that he willfully and intentionally ignored it as he " thought these questions had already been answered ''. Are n't creditors obligated to respond to the person with whom they have a dispute with in a timely fashion? Are they allowed to ignore legitimate requests for information? How can I defend myself or even proceed to negotiation if I am not in possession of all the facts. The answer is, I can not! I would like this to be resolved by your agency. I want this debt to go away and any public record of this action to be expunged. I believe it is illegal to ignore a good faith request for information. Please do n't allow these predatory firms the right to ignore correspondence that seeks answers. It is a corruption of the system enacted to protect consumers. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
No notification of Dormant Account Fee for A free checking Account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Netspend Corporation
State: PA

Complaint narrative:
I signed up with net spend and then signed up for their direct deposit depositing well over XXXX a month. I also was told by ace checking cashing to enroll in plan that charges flat fee each month where I wo n't be charged per transaction. I never pay attention to my net spend account until lately in which I noticed they been charging me a dollar per transaction when I called their customer service to be enrolled in flat fee each month. They are refusing to listen to call and refund me. The second card I got I automatically called and did the same thing and enrolled in XXXX this year. If there rep made a mistake and did n't enroll me not my fault and they need to refund me. Tired of this company that has nothing but foreign people who do n't speak good XXXX and who are rude as ever

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I created a loan XX/XX/XXXX initially with XXXX which was later purchased by The Huntington National Bank. 

The problem began in the course of a divorce settlement and I was dismissed from responsibility from the loan. I received the loan marked paid and also received a cover letter acknowledging the loan being paid in full, the letter was dated XX/XX/XXXX signed by XXXX XXXXXXXX XXXX. 

Since then collection efforts have been made and the debt is still shown as outstanding on the three major credit bureaus. 

I have the original note marked paid and the letters acknowledging the obligation being paid in full. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: DE

Complaint narrative:
I received a letter in my mailbox from netSpend out of XXXX, Texas it is a Prepaid MasterCard that you can load your full or percentage of your paycheck to. This company even provides you with a Routing number XXXX and an account number XXXX through XXXX, ( this is not my information it is theirs ) I believe they are in XXXX XXXX, South Dakota. The thing about this prepaid card is in order to set it up you have to enter the XXXX digit card number and then the # key. Then they ask you for your SOCIAL SECURITY NO. and DOB. You can not speak to anyone at this company until you do those following steps. What makes this situation weird is I am unemployed and as random as this card is there are over XXXX complaints on line from people who have given this information on line and have lost their paychecks and have bills that are past due. 
I actually put in a fake SS no and a fake DOB to see what would happen and I was able to give the card a XXXX digit pin. What makes this bad is after I spoke with this company over the phone I got an email where someone had changed the pin number. This company is in the business of scamming people out of their paychecks by making them use their financial institution to deposit their money. Many people are not aware that this tactic is illegal. The mention on the letter that they do not accept printed checks, they do not accept deposits via wire transfers, if you do they will return the check to you or destroy it. Only the person on the card can make the direct deposit. The note directly under the card says " I indicated that I had an interest in the card and that is why they sent it to me ''. I have never heard of this company nor did I intentionally or unintentionally ask for this card- so that is a lie. Once a customer signs up for this card giving them their social security number the company now has access to your credit and all of your other banking and credit reports. They take money from your account, add stop payments to other bills to other companies and put stop payments out on you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The branch manager at Bank of America in XXXX XXXX is in desperate need of XXXX followed by retraining as to her obligations as a manager, fiduciary representative and customer service provider. XXXX the branch manager not only lacks basic mediation skills that are required of such a position but also the knowledge to adequately perform her duties. She was rude, uncouthed and seemed to be uneducated in basic fiduciary duties. A seemingly simple transaction turned into a 5 day hassle with XXXX roundtrip visits to the actual branch and 3+ hours additionally in telephone transactions. In all of this may i add she never bothered to return a single phone call or respond to the XXXX meshes i left her. In the end, my actions on good faith were of no consequence causing only frustration, financial expense, a XXXX hold of my funds AND she got a new account out of me! The attempt to validate my less than satisfactory experience with Bank of America on XXXX XXXX, XXXX XXXX, CA. left me only MORE disgruntled. These people obviously care less than an iota for the people they claim they aim to serve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 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: TN

Complaint narrative:
I have requested for the company to validate the with a copy of the original agreement bearing my signature. All I receive is copy of bill with a name that is not mine correct name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I have received a collection letter from Southwest Credit for a XXXX cable bill.I called XXXX cable and they stated that they do not have any record of me owing any money from any account with them.They have never heard of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-15 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:
I had a savings and checking account with Huntington Bank for the last 6 years. I was victimized by a scam artistic who got my email address from previous professional shops I had completed. Nevertheless, they wrote me a fraudulent check which I had no idea it was a bad check. I immediately contacted my local authorities since my checking account had been compromised. Huntington closed my account after the fraudulent check was deposited. I am the one who had been victimized. I was informed that I could no longer have an account with Huntington after I am the one who reported the bad check. Thus reporting the scam artistic to the authorities showing the various emails to my local police. The police file number is XXXX. I am requesting that a new checking account be able to be opened. Since I still have a savings account with Huntington. 

Thank you for reviewing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Well my husband and I are with Huntington Bank for our car loan for a XXXX Honda fit. 
In XX/XX/XXXX I asked to have it moved to the beginning of the and after a while I was finding out that it was going to be late because we could not pay until the end. Well they refused and we kept getting late fee after later fee. 
Well in XX/XX/XXXX I made the last XXXX payments to catch up and then with the last payment I also paid XXXX for a skip a payment and to which they charged us XXXX late fees. 

My husband and I are disgusted. We have had this car and feels like we are getting nowhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-22 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: NM

Complaint narrative:
Southwest Credit Systems, L.P. issued XXXX separate collections accounts for the same {$190.00} dollar debt from XXXX, and both these accounts, despite representing the same collection, appear on my credit report. This money was not owed originally, as I have the receipt to prove I sent in my modem etc. I was not contacted to dispute the debt and show my proof of not owing the money. I contacted Southwest Credit Systems directly via certified postal mail to ask for verification of debt and to clear up the XXXX accounts that they have listed on my report. It has been 30 days and I have not received this information from them nor has the duplicate collection been removed from XXXX or XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I got a copy of my credit report and noticed a negative reporting from an unknown company ( Southwest Credit ) I disputed this debt with the credit bureau, because I do not know of this debt, who its from, when account was opened, and even if it is indeed my debt. I never received a debt collection letter from Southwest Credit giving me a chance to dispute or verify the debt, before they went and reported negatively on my credit report. 

Where did this debt come from, when was the account opened, where was correspondence sent regarding this debt, who is the original creditor, and I would like proof ( application, signed by me ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: GA

Complaint narrative:
I pay my mortgage every month on time. The Mortgage Company changed addresses and never notified me. My payments went to the wrong address and were forwarded to their office for 4 months, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, before they decided to tell me I was late. They sent me a letter after 4 months and told me to pay 4 months of late payments. They also reported me late for those 4 months. I called and asked about it and he said there was nothing he could do about it. I even spoke to the bank and I have proof the payments arrived on time to their former office from the bank because I pay everything on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
My XXXX year old sister, works at a XXXX earns XXXX dollars an hour, has XXXX saved, and is very stubborn and not very educated, has completed a year of college. She applied to a loan at Huntington Bank, they approved her for XXXX. At her pay, should could n't even pay for utilities and food, let alone a mortgage. Given that an adults brain does n't even fully develop till age XXXX, where your frontal lobe that makes decisions develops. ( at age XXXX I believe you 're learning what beer is ) How is that bank is allowed to give a naive person XXXX debt, that they will be tied to and will harm my family that survives off a mother earning XXXX a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 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: IN

Complaint narrative:
I have no knowledge of this debt collection. I have never received any notice or anything regarding this collection from this company. This debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
I am unemployed and a single Mother. The debt is over XXXX years old, they have seized my checking account and declined a settlement that I offered. Child support funds were in the account.

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 2016-11-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I USED TO HAVE AN XXXX ACCOUNT FOR MY VEHICLE. I SOLD MY VEHICLE IN 2014 AND DID NOT RENEW MY XXXX ACCOUNT BECAUSE I AM USING XXXX AND DO N'T HAVE A VEHICLE ANYMORE. TWO MONTHS AGO I WAS TRYING TO GET MY STUDENT LOAN AND THEY PULLED MY FILE AND ADVISED ME THAT THEY CAN NOT FINANCE ME A LOAN BECAUSE I HAVE A COLLECTION FROM SOUTHWEST CREDIT SYSTEMS. I HAVE CONTACTED THIS COLLECTION AGENCY AT XXXX AND THEY INFORMED ME THEY ARE COLLECTION FOR XXXX COMPANY. I HAVE EXPLAINED THEM THAT I HAVE PAID THEM FOR FULL YEAR AND NEXT YEAR DID NOT RENEW MY ACCOUNT BECAUSE I SOLD MY VEHICLE AND DID NOT NEED XXXX ACCOUNT ANYMORE. ALSO I NEVER HAD A CONTRACT WITH XXXX COMPANY. THEY HAVE REFUSED TO SEND ME ANY TYPE A CONTRACT THAT I SIGNED. ALSO INFORMED ME THAT I OWE THEY {$120.00} AND IF I DO N'T PAY THEY WILL HURT MY CREDIT FOR ANOTHER 5 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Vital Solutions, Inc.
State: CA

Complaint narrative:
I had an end of auto lease obligation to pay XXXX XXXX XXXX XXXX back in XXXX 2015. I contacted XXXX via mail and let them know I was out of work and I could pay small monthly payments until the account was paid in full. Without waiting for a response I started paying XXXX {$25.00} a month, sometimes more if I could afford it. They took my payments and applied them towards my account reducing the principal ( {$1000.00} ) and sent me updated statements with the remaining balance. Yesterday, XXXX XXXX, 2015, I received a letter from Vital Recovery Services LLC, a debt collection agency that required a payment for the alleged debt I owed XXXX. The principal amount was also wrong. Obviously, despite the fact that I keep making monthly payments that I can barely afford, XXXX XXXX XXXX XXXX hired a collection agency while at the same time taking payments from me. This is not a legal action. They can not sell the account to collection agency when I keep making payments and they take my payments. My account is not in default. This will hurt my credit that I am trying to revive while I am looking for a job. XXXX refuses to work with me on this for whatever reasons. I will not pay the full amount to the collection agency because I can not. It is in XXXX best interest to take my monthly payments and get it over with rather than losing the entire money because of poor company practice of handling debt. I know I have a responsibility to pay, and I am very willing to pay it off, but I can not be put under pressure to do so when I am working very hard to maintain monthly payments and find a job so I could pay it off at once and never deal with XXXX again. XXXX of companies work with you on this, they assist you with monthly payments ; however, XXXX does n't train its associates to work with people who have financial hardship and need assistance. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I risk being in default of my private student loan with Navient and they will not adjust the payment to relieve me of undue hardship. My current interest only private student loan repayment loan has expired and I can not pay the new monthly amount that Navient requests. I have no more discretionary income to pay them. I have reported to Navient that I will default if they do not adjust the payment terms. Navient 's solution was to adjust the interest rate which still leaves me with a monthly payment that exceeds my monthly descretionary income amount. On XXXX/XXXX/16 account manager at Navient, XXXX, reported to me that she did n't care if I default because it is my loan. On a previous call with XXXX, she told me the account manager would help me refinance the loan with another provider, but XXXX refused to assist me with that option and said it had nothing to do with their company. Hopefully, the CFPB can help me adjust the terms of the loan with a reduced rate that does not cause undue economic hardship.

Company response to consumer: Closed with explanation