vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I changed the Account/DDA to withdraw funds and contribute towards my IRA. I informed the Huntington  XXXX   XXXX  of the new account number and routing number, this was completed on  XXXX   XXXX    XXXX   by faxing an updated form to them. I informed them the amount will stay the same, the only thing changing is the account. On  XXXX   XXXX ,  XXXX  Huntington withdrew the money from an old account and claimed since they were not informed of the amount they did not update the withdraw information. On  XXXX   XXXX ,   XXXX   I sent over the same form to have the account updated. I spoke with my personal banker and was informed this is now set up correctly.   Huntington sent me a letter stating they were unable to transfer funds, however this is due to their error of not withdrawing from the correct account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My  Credit score  has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquire  WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders off. So  HOW can my   XXXX   b e lower? OF course you 'll give me the unfortunately leaving off the total debt is less.

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 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My  Credit score  has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquire  WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders off.  So HOW can my   XXXX   be lower? OF course you 'll give me the unfortunately leav ing off the total debt is less.

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 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My Credit score has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquir e WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders of f. So HOW can my FICA be lower? OF course you 'll give me the unfortunately leaving o ff the total debt is less.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
RE-INSERT ALL ACCOUNTS INTO MY CREDIT PROFILES WITH  XXXX  OR BE SUED IN CLASSACTION EFFORTS.     THE CREDIT FURNISHER PAY   XXXX   MILLIONS IN FEES AND NOW ARE PUTTING YOU BANK IN JEOPARDY!     YOU HAVE 15 DAYS TO COMPLY OR BE SUED ALONG WITH  XXXX .     THEIR A  RE 100+ CONSUMER REPORTING AND CLIENT REPORTING LAWS BEING BROKEN.
THE DODD FRANK ACT EQUAL CREDIT OPPORTUNITY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
Sometime ago, long enough that I ca n't remember, I had signed up for an online subscription to "   XXXX   XXXX   '' magazine, not so much that I felt it was worth the money but more as a donation to support their efforts to present an alternative channel to mainstream media. I believe, the amount I paid was something like {$9.00} for a six month subscription. After a few weeks and reading some of their work, I decided not to renew my subscription after it was to expire a few months later and I cancelled it online. Even though I cancelled, I noticed that they kept sending me emails as if I was still subscribed. I responded indicating that I wish to cancel and they should stop this insensitive harassment. Then I received a paper mail at my home asking for money to renew the subscription. I replied in kind, with paper mail, that I wish to cancel my subscription and I did everything they made available to do so already. They should cancel and leave me alone. Now after many months, perhaps a few years, I get a letter from the  North Shore Agency c ollection service to pay them {$39.00} to settle payments to   XXXX   XXXX  . Given the long delay between my settlement of the issue with The Nation, I am now suspecting either   XXXX   XXXX   sold my personal address information to an unscrupulous " collection '' agency or they have developed their own means of intercepting such data and harassing consumers with modest amounts of payments hoping at least part of them will just pay rather than challenging their fraudulent attempts.

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 2017-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am very sorry, but the problem related to case  XXXX  has not even been remotely resolved.     Citigroup offered a $  XXXX  credit card to a person without an income, means to prove an income or the capacity to contract due to an  XXXX   XXXX   XXXX . This person is my wife and their they are flat out not stating what has transpired in their statement.     This is their statement.   " I sent a letter to  XXXX   XXXX  to advise him that we are unable to disclose any information about the account with a third party without a valid POA. I advised him to send us a certified copy of the document assignin g him POA for his wife in order to investigate this matter further. '' None of this is true.        1. They have never sent me a letter. Do they have proof of this? No, they do n't.
2. I spoke to them and they said they could not speak to me, so I asked them to simply send my wife a letter then, and she would talk to me about the contents of the letter.
3. They never sent me wife a letter, they never sent me a letter. We have had zero c  ommunication on this matter.     The issue here is th at Citi is a  predatory lender. They allowed someone with no income or means to have a $  XXXX  credit line with no verification of anything, such as an ability to repay this money.     Sorry, but this is not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners Holding, LLC
State: MA

Complaint narrative:
I went to an ER (  XXXX   XXXX   XXXX   XXXX   )  while traveling in Florida on  XXXX / XXXX /  XXXX  . I provided my health insurance information during this ER visit.  Two  years later after never receiving any letter of any debt I see a delinquency noted on my credit. When I called the number via the credit bureau I found that the  XXXX   XXXX   XXXX  had a contract with the doctor that actually saw me and that the doctor was affiliated with a company named  XXXX   XXXX   XXXX  of  XXXX . The medical center took my insurance information, sent a bill and got paid in full. The  XXXX   XXXX   XXXX  of  XXXX  doctor said that they did not get from  XXXX  the insurance information so they never sent their bill to the insurance. They also never sent any bills to me. Instead they sold the bill as bad debt to a  Company named Pendrick Capital Partners II, LLC. I called them and th ey were extremely rude. They said I had to pay and that many people were in my situation and that there was nothing I could do and I had to pay. They had already without billing me ever made a derogatory mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am writing concerning my Navient student loan which has since been transferred to a new loan servicer. On several occasions I attempted to work wit h Na  vient in an attempt to process a forbearance. In each instance the process was delayed. In the end the forbearance was granted but each time my credit was adversely affected. I am writing in hopes that you can assist in having the negative reporting removed. I have attempted this in the past directly with Navient, b ut with no positive results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
COMENTY IS FAILING TO REPORTS ALL ACCOUNT TO  XXXX . THESE ARE UNLAWFULL ACTS TO CONSUMERS.     RE-INSERT ALL ACCOUNTS ONTO OUR CREDIT REORTS.     THIS VIOLATING THE DODD-FRANK ACT AND OTHERS LAWS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
In  XXXX  of   XXXX   I received a bill for annual fee of {$95.00} for a credit card I did not use. I called to cancel the card and the customer service rep was very reluctant to close the account for me and said that if I kept it open she would credit the {$95.00} annual fee after I activated the card. The card did not arrive and I was charged {$95.00}. After multiple calls I finally received the card and activated but continued to receive past due for {$95.00}. After multiple additional calls I canceled the card and was told the fee would be waived. I continued to receive past due notices and a collection letter. I made additional calls and guaranteed it has been handled. I am requesting copies of letters sent to credit bureaus clearing this false late charge and documentation showing closed account with zero balance fo r Citibank  card ending in  XXXX . Please refer to the account notes and customer service calls  ( recorded ) to Citibank  to clarify and resolve this situation ( starting in  XXXX    XXXX   to present ). I am also contacting the better business bureau and the state attorney general 's office with this complaint.

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 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent certified letter to Equifax,   XXXX   and  XXXX , stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also have f or two y ears have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had a  XXXX  's credit card in which I also purchased insurance for back   XXXX   XXXX  . The insurance was to cover and pay my bill in full in the event of job loss, injury, etc. According to the creditor, the account was closed in   XXXX   which is correct because I lost my job and applied the insurance I would not have been responsible for the bill in which the insurance DID PAY. I made the payments that were required by me until the insurance paid the bill in full. However the creditor is showing on my credit report that I had a  30 30 60 90 l ate payment in  XXXX  after 6 months in which I was no longer responsible for the bill . Two thin gs are wrong here the contract by the creditor was breached and the reporting is inaccurate. I have called the credit reporting agencies and the creditor and this is still showing incorrect on my credit report. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent certified letter to  XXXX ,  XXXX  and transunion, stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also have  for two year s have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .

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 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent certified letter to  XXXX , experian and  XXXX , stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also hav e for two  years have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .

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 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had a  XXXX    XXXX   credit card in which I also purchased insurance for back  XXXX   XXXX . The insurance was to cover and pay my bill in full in the event of job loss, injury, etc. According to the creditor, the account was closed in  XXXX  which is correct because I lost my job and applied the insurance I would not have been responsible for the bill in which the insurance DID PAY. I made the payments that were required by me until the insurance paid the bill in full. However the creditor is showing on my credit report that I had  a 30 30 60 90 late p ayment in  XXXX  after 6 months in which I was no longer responsible for the bi ll. Two t hings are wrong here the contract by the creditor was breached and the reporting is inaccurate. I have called the credit reporting agencies and the creditor and this is still showing incorrect on my credit report. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In  XX/XX/XXXX  , I  borrowed  XXXX  from  XXXX   XXXX  to pay for my  XXXX . I began to pay back in the lat e  XX/XX/XXXX . A lthough I had periods of deferment and forbearance due to unemployment,   caring for my  child  an   d elderly parents, I s till have paid over 50K to  XXXX   XXXX   XXXX  Navient. Although I made payments to  XXXX   XXXX  before   XX/XX/XXXX ,   Navient reports that they do n't have records prior to   XX/XX/XXXX .      I also worked at   XXXX   XXXX   from  XX/XX/XXXX   through  XX/XX/XXXX   with a period of  XXXX  leave. I worked for    XXXX   XXXX   a nd  XXXX   XXXX   XXXX .     I would like to settle my balance but  Navient  insists that I still owe 41K+.   As I 've pointed out to Navient, I 'm  XXXX   years  old. This loan is most likely to outlive me yet they refuse to speak to me about a reasonable pay off. Additionally, I 'm paying for my own child 's tuition. I very much want to be done with this nemesis but the Navient reported balance strikes me as nothing more than usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MS

Complaint narrative:
I PURCHASED THE  XXXX   XXXX   XXXX . IN  XXXX  AND OBTAINED  A COMMERICAL   MORTGAGE  FRO M NATIONAL CITY MORTGAGE . CONSEQUENTLY IT FORCLOSED IN  XXXX , BUT LOOKING BACK I SHOULD HAVE NEVER BEEN APPROVED FOR A  XXXX  COMMERCIAL LOAN. I FEEL THAT THIS WAS A BLANTANT PREDATORY LENDING PRACTICE. NOW MY CREDIT IS MESSED UP. I CAN NOT BUY A BIKE WITH CREDIT.

Company response to consumer: Closed with explanation