vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: TX

Complaint narrative:
Hi My name is XXXX I have a pre-paid debit card with Netspend.and I had been issued a refund from a cheer uniform company due to the fact that they had sent me the wrong size kit so my cheerleader 's uniforms were mad wrong. after several talks with the merchant they found out that they did send me the wrong size kit. so they decided to issue me half for the tops. well the money was sent to my Netspend card. which I had no Idea that they would put a hold on the funds and not issue to me. after sending serveral documents, after speaking with the Merchant they still refuse to send or release the funds, They did not warn me or tell me that they could do or that it was their policy. the amount that they are holding is XXXX, XXXX They are saying the only way that they would release the funds or mail the check back to the merchant is that they would have to have a XXXX letter. Well the XXXX letter was e-mail now the fraud department at netspend said that they have to have the physical letter. I have called the XXXX, I have filed with the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 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:
My bank account was withdrawn {$12.00} for fees for using a non Huntington ATM. This charge happened weeks after I actually used the ATM. They quickly charged me more and more overdraft fees of ridiculous amounts. I spoke to a customer service agent who told me that as long as I made my account positive by XXXX XXXX, they would refund me the overdraft fees. I did this BEFORE XXXX XXXX and they refused to honor their word. In my eyes they lied to me and stole my money. I should not have owed them {$200.00} for a {$12.00} charge in the first place. They also refused to honor their word when I made a payment promise to them. I was told I would have {$60.00} in my account after the fees were removed, which did n't happen. The customer service agents were very rude and unprofessional and refused to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 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: LA

Complaint narrative:
I have written Southwest Credit several times asking them to very the debt that they claim I owe. They have not provided me with any paperwork saying that I signed my name to a contract, only thing they keep sending out is a Bill. A bill does not validate a debt. I have been a victim of identity theft in the past. All i want is validation that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
We had a mortgage loan with Huntington Bank and we are having difficulties in getting corrected yearend statements produced for the years affecting XX/XX/XXXX and XX/XX/XXXX. There seems to be incorrect coding in Huntington 's servicing system where it was not recognizing a bankruptcy that was discharged in XX/XX/XXXX.?? In XX/XX/XXXX both my ex-husband and myself filed a bankruptcy XXXX because of a failed XXXX. The BK was in fact discharged in XXXX XXXX. No reaffirmation was filed. In XX/XX/XXXX we tried to sell the home but was unsuccessful because we owed more than what it was worth. We had several short sale offers come in on the home but with repeated delays on Huntington 's end, we lost all offers. Because of delays and poor customer service by Huntington 's Loss Mit/short sale department caused the home to go to sheriff sale in XXXX XXXX. In XXXX and XXXX XXXX I received several XXXX forms from XXXX and XXXX that were prepared by Huntington. When I received the forms I called Huntington. I left a message with a rep who I explained what my phone call was about. She guaranteed me that someone will contact me back within a week ... ..which of course did not happen. I called again and finally spoke with a supervisor along with a manager and requested a correction. Because of the bankruptcy being discharged and with no reaffirmation filed, we were no longer liable for the debt. I was expecting a correction which would clearly state a " correction '' on the form along with not marking the form " not liable ''. The supervisor did say the proper BK coding was not there and corrections were made. The supervisor advised me that a correction will be sent on the XXXX form but I should disregard the XXXX form since that was an error. Even with receiving what I received and speaking with both the supervisor and XXXX I still felt the proper corrections were not sent to the IRS. Now in XX/XX/XXXX I received not only a XXXX but I received a XXXX on a house that was sold in XXXX XXXX??? The XX/XX/XXXX form came from Huntington Bank ... why? Why would we get these forms? I would like an answer from Huntington advising me that the proper corrections were made to the IRS in XX/XX/XXXX and why am I getting forms for XX/XX/XXXX. When it comes to the IRS I certainly do not want improper information sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
SW CRDT SYS is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. It was for XXXX. While the account was in good standing I stopped this service. That was over 9 years ago. I had never hear from SW CRDT SYS so I contacted them and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false. This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806.

Company response to consumer: Closed
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Coastal Financial Solutions, LLC
State: MI

Complaint narrative:
This place is calling my relatives ( not sure how they got their numbers ) stating that their is a claim they are moving forward on so they need me to contact them by XXXX or XXXX that day. I am not aware of what *claim* this is for ... nor is it one I 've ever received via snail mail. I am not going to assume I have a debt because of a phone call. They are faxing my place of employment with documents that are not legal but trying to obtain personal information. They are stating they are trying to locate me, but have not sent any formal documentation stating what this claim is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I have XXXX private student loans with XXXX separate companies. Both cost $ XXXX, each. I have tried desperately to decrease the monthly payment but neither XXXX or navient are willing to work with me. They both report my parents, who co-signed back in the late XXXX have the financial means to pay if I do n't, this is absolutely false. My father is in poor health, both are retired and in their XXXX. I am current with XXXX XXXX at the moment but Navient was supposed to be withdrawing my monthly payments from my checking account. I did n't have enough money in the account one month and they placed me in default. I was told that I can either pay a lump sum by out, borrow the money from my parents who Navient says have the means, Im certain they do not. Or pay $ XXXX, 3 times more than the payment I was unable to manage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received an unfair and very upsetting response from Bank of America regarding my payment that they debit from my account, when I made a payment on XXXX XXXXJust because I am behind on my payments that does not allow them to take more then XXXX payment without my authorization. Please investigate this case and have them credit my account XXXX payment as a courtesy due to drafting my payment for more than XXXX payment and fess from my checking account and leaving me with any money to feed my kids or gas for work and unable to pay my bills. Its was snowing that day and was scare my light was going to get cut off because I did not have the funds available to make my payment because they took all my funds from my checking. Plus they charged me NSF fees because I placed a stop on my payment and took my bank XXXX to XXXX days to clear that transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-04 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: MA

Complaint narrative:
This is the same debt that was from another Collection Agency, Southwest Credit, that was originally hired by XXXX for a payment of XXXX USD. This debt was carried over, even though the payment has already been paid last year. 

XXXX XXXX XXXX is the new collection agency that is trying to get me to pay money that I do not owe, that was passed from one collection agency to another

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 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: FL

Complaint narrative:
although I have a pending dispute filed via the CFPB, I am still receiving repeated phone calls asking for this debt to be paid. I filed a ID Theft Affidavit ( # XXXX ) in XXXX 2014 ; I wrote repeatedly to the XXXX credit bureaus and the collection company in XXXX, this account is still reporting in my credit file. This account was opened after my information was stolen due to a XXXX breach of security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
There was a Deposit applied to our account in the amount of {$1000.00} for a reversed check made by our bank Huntington. My wife called and spoke with a customer representative who confirmed that the money was ours and it was OK to use. A week later they withdrew the money without us knowing causing our account to be negative. We again called Huntington and they could not provide us with any resolution and only escalated the call. We called in originally to prevent this from happening. How can we be held accountable for their mistake after receiving verbal confirmation as well as the call being documented in there call software as approved funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I explained to company and all XXXX Credit Agencies that this does n't belong to me. They refuse to move it or send me proof that I should pay it.

Company response to consumer: Closed
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: NM

Complaint narrative:
This is a debt associated with my sister in law. I have phoned them twice to tell them that this is not my debt nor does my sister in law reside at this number. They have been calling every single weekday for over 8 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I, XXXX XXXX filed a complaint directly with the Federal Housing Finance Agency recently directly against Bank of America, and it 's inability to apply the multiple options available to me by an act of Congress with the establishment of this agency to intercede against the fraudulent actions of national banks that brought about the real estate meltdown that started in 2008. The Federal Housing Finance Agency was established to clean up the trillions in what is known now as " zombie debts '' throughout the United States. My complaint has actually brought about a filing of a lawsuit against Bank of America, all servicers and the XXXX XXXX XXXX XXXX that is the current owner of my mortgage. The national banks such as Bank of America are in position to easily help resolve my dispute. I personally can not compete against the extensive legal and financial resources that Bank of America has at its disposal. The Federal Deposit Insurance Corporation eventually pays for all foreclosure defenses for national banks, while an individual such as myself can not afford to match said resources. I respectfully request the Consumer Financial Protection Bureau to review my complaint to see if this matter can be resolved professionally to the best interest of all parties. I had no other option but to complete a personal bankruptcy petition to cease the continuous destruction to my personal credit. However, I still wish to maintain my residence with a substantially reduced and restructured mortgage arrangement.

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 2015-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For some unknown reasons, Bank of America closed all of my accounts like checking, saving, and credit accounts. I tried to contact some banking representatives but they explained that my accounts was closed for " business decision '' and they ca n't give any further information. I just need to know what I did wrong so that I can avoid in future banking

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX, 2015, someone deposited ( not me ) XXXX bad checks into my account and also took the money out. I did n't notice my card was missing until the next morning and did n't discover any of this until I tried to use my card. If you look over the history of my account, I usually pay bills then pull money out ( overdrawing it ) until my next pay check. I do n't deposit bad checks. The activity on the account is not usual. I do get emails and text messages for unusual activity however ; I did n't get any text messages. I did get an email but I did not check them because I did n't have much power on my phone. That day all of this was going on, my lights were off. I made arrangements with the cash I had on me and was scheduled to make a payment on XXXX/XXXX/2015. Because of all of this my lights are off, I have a payroll check that I ca n't get any access too and I have XXXX kids. I have filed a police report and possible names of people who could have possible done something to my account. I have cooperated as much as I can and I have no assistance. My account is about to be closed for something that I have not done and I need my money to take care of my kids. Please help me fix this problem quickly. More importantly, help me get my lights back on TODAY. They have been off since Monday since I did n't keep my arrangement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX I called a bank of america representative-stationed in the aurora, Illinois office, and requested a home equity loan. While on our phone conversation he determined I was approved for a XXXX home equity loan. I was advised to return his call to provide all my credit card information to be paid off and I did so. He then gave me an exact amount of money I would be receiving after some of my debt was paid off. He also told me to wait for an incoming packet to be sent so that my wife and I could sign them or bring them to his office. I received the packet on XXXX/XXXX/2016 and my wife and I signed the packet. However, I decided to call the main branch number that was located in the packet and spoke with a supervisor who told me we were in fact, not approved for the loan. The supervisor stated the agent-XXXX XXXX gave me the wrong calculations when he approved my loan verbally over the phone. I was devastated, because I was holding a packet that said I was approved. A supervisor I spoke with stated the agent in the XXXX, Il branch gave me the wrong information and therefore should have never approved my home equity loan. He told me the loan was secured. He knowingly gave me false information in order to sell his product. He literally stated to me that my loan was approved and that 's why I gave him all my information including social information to check my credit scores. He misled me during the entire loan process. I also purchased an {$800.00} dollar phone on XXXX/XXXX/16 knowing that several of my credit cards would be paid off and I would have additional monies from the bank of america. I have a contract that shows the cell phone was bought on the above date. I also did call the bank on XX/XX/2016-XX/XX/2016 and spoke with a supervisor ( female ) who was not receptive to my situation and stated she would talk to the agent who approved my home equity loan.

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 2017-03-10 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I received a letter from XXXX XXXX XXXX , XXXX claiming that they are collecting on behalf of Navient Education Credit. In there letter dated XX/XX/XXXX, the claim that my total current balance is {$13000.00}. As it stands according to Navient, I do not owe them nor any collection agency. The debt they allege I owe is not valid nor accurate. Proof that is attached to this complaint will show that this company is illegally trying to collect on an account that is paid in full and is also closed with Navient. The account they also is past the statute of limitation based of the Fair Debt Collection Practice Act, Fair Credit Reporting Act and Texas statute of limitation that is enforced by the Texas Attorney General. They have no right to collect on the account since it is paid in full. Furthermore, no documents or proof that this account is accurate was sent to me by XXXX XXXX XXXX , XXXX. I am going to consult with my attorney or legal recourse as they are breaking several federal and state laws. Also, since Navient has been the center of several lawsuits, their selling off and transferring of accounts to deceive individuals as myself will not be tolerated. Also the fact that the XXXX loans I had with Navient : XXXX for {$4000.00} and XXXX {$2600.00} are nowhere near the doubled amount this company and Navient are trying to collect wrongfully from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 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: KY

Complaint narrative:
Navient made it impossible to lower my monthly payments and charged outrageously high interest rates while my loan was on forbearance, also I 'm bring charged for two loans when I only accepted one and they have not assisted in finding out where the second loan came from

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
credit card with bank of america with account number XXXX I am a XXXX and a lot of credit is merging with my name that I have no knowledge of and this is destroying my life and my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
This company named general revenue service contacted both my mother and husband in regards to a alleged debt that is owed. They would not tell either of them what the call was in regards to and what their company did. I myself contacted them after to find out why they were calling and they could not give me an answer. I spoke to a representative who proceeded to yell at me when I told him not to contact any third party other than myself or my attorney. I then proceeded to ask what the call was in regards to and he could not tell me.

Company response to consumer: Closed with explanation