vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ

Complaint narrative:
Mortgage Loan - Overcharge of PMI Original Complaint From XX/XX/XXXXMy original mortgage loan with Huntington was XXXX issues on XXXX XXXX property with appraised value of {$150000.00} and PMI in the amount of {$150.00} was added to this mortgage. Based on general rules of PMI it should have stopped when loan balance has reached 80 % of appraised value that was around XXXX XXXX or XXXX XXXX. However, the Huntington Bank continued to charge me PMI until I had refinanced my loan in XXXX XXXX. During the refinance process, I was made aware that I may have been over charged PMI for five and half year. My new loan ( XXXX ) was issued for loan amount of XXXX and the property appraised value was as original {$150000.00} XXXX original appraisal was used from XXXX ) and I was not charged PMI for the refinanced loan. 
I have discussed this issue several times with Huntington Bank and refuse to provide original loan documents and address this issue. I realize the loan document that are given to me at the time of loan closing are all incorrect because they were for 5 year arm product and my loan with Huntington was 30 year fixed at 6 %. Also Huntington Bank claims that PMI is charged 80 % of purchase price ( XXXX ) vs. appraised price. I think this explanation is incorrect because if true then I would be paying PMI on my refinanced loan because at the time of refinance my loan to value was XXXX = approximately 85 %. 
I notified to the Bank in XXXX XXXX and in XXXX I also sent a complaint to XXXXXXXXXXXX and then I continued with this matter after my refinance was closed in XXXX XXXX. In XXXX, I was not aware of OCC complaint form available online and XXXX Consumer Protection agency. Otherwise I would have registered my complaint earlier. I feel I have over paid approximately over {$10000.00} in PMI premium, plus interest that was charged at 6 % to my mortgage account if this amount was applied to my unpaid balance. In light of that I have never missed a payment on my either mortgage accounts or HELOC accounts and hold a good credit history. 
Please contact me at XXXX should require any additional details. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 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: CA

Complaint narrative:
XXXX XXXX, 2015 I received a XXXX page document from Southwest Credit Systems, L.P. stating that a delinquent account they claim is allegedly mine in the amount of {$310.00} for an apparent XXXX XXXX XXXX cell phone bill. On XXXX XXXX, 2015 I spoke with a representative who went by the name of XXXX. I requested for XXXX to re-verify the account was in deed mine. He claimed that his firm had already validated the debt by using my address. I attempted to explain to him and disputed the debt was not mine. I also requested he cross reference my social security number, middle initial, any previous addresses and the phone number that is in question. He stated that his firm had already done so. He then suggested to transfer me to the customer care dept. Immediately after the transfer I was disconnected. I believe that at the date and time of this call that the account was disputed. After several days of not hearing back from anyone associated with Southwest Credit Systems , L.P . I sent a letter disputing the same and included any and all information required to verify this account. On XXXX XXXX, 2015 I called back to Southwest Credit Systems. I spoke to a supervisor by the name of XXXX. She confirmed to me that the firm had indeed received my letter, however the account was still confirmed as mine. I explained to XXXX this call was an attempt to resolve the matter before the 30 day period of notice ends on XXXX XXXX 2015. I explained that I would seek to remedy this matter with legal action. After attempting to request for her to verify the debt as legitimate. She claimed the debt had in fact been verified. I called back approx. ( 1 ) hour later and spoke to a XXXX in the customer care dept. After not being able to get anything resolved and talking over each other I asked to speak to a supervisor. After a brief hold XXXX returned to the call and stated, " they said to take your number and someone would call you back. I question that comment due to the fact that all incoming calls and phone numbers are identified. With no other course of action I ended the call. This company filed the collection account to all three major credit reporting agencies on or before the XXXX of XXXX. Without making any attempts to contact me to verify the account. They have stated on more than several occasions and from different representatives that the account had been verified as belonging to me. Southwest Credit Systems has also failed to submit to my request for information documented in the XXXX XXXX letter ( see attached ). In addition they have violated the FDCPA statue [ 15 USC 1692e ] section ( 2 ) ( a ) and ( b ). Southwest Credit System failed to do due diligence in investigating and confirming the account was in deed mine and only used my personal home address in their verification process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
The debt collectors are calling back to back at least XXXX times a day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
The fees associated with Hunnington are very high and not necessary. Since XXXX of 2015 Hunnington made a mistake on double charging debit card holders one weekend. They did fix the fees associated with the account. But since then we have incurred lots of fees that have financially ruined my income and life. In XXXX there were almost {$700.00} in fees, XXXX {$500.00}, and who knows what I am accumilating this month. 
The customer service I am recieving is " there is nothing we can do about this '' they are telling me to watch my account better and use my ledger better that is all. 
I have been lied to from the customer service representives and then still charged fees and the bank refused to correct them. 
XXXX XXXX - I asked if the deposit on the XXXX would cover any negative charges. The customer service advised that I was in 24 hour grace and there would be no fees. So I found out I had XXXX {$37.00} fees the next morning. 
I called and asked them to waive them, they said I am not elgible. I was told to go to the branch and do a " Force Pay '' and went to the branch. Guess what they said they could n't do the " force pay ''. So I was lied too XXXX. in that XXXX instance. 
Other promises and lies are " pay this now so no fees get incurred tomorrow '' So I deposit the balance. Wake up and there are the fees. The same run around after numerous supervisors and chats. " Sorry your not elgible for any more fee reversals ''. 
I have lost upwards of {$1100.00} in fees in 3 months with this bank. They have charged a {$37.00} fee for a {$1.00} transaction. These are irreprehensible and I can not get any solution. The Michigan Attorney General suggested I reach out to Consumer Finacial Protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was on a joint acct with my son in XXXX 2015 there was a fraud done on the acct he forward the police and the FBI report to the bank they refunded the money XXXX {$500.00} XXXX back to his acct. In XXXX they decided they were going to take the money back out of his acct. on XXXX XXXX so on XXXX XXXX I told my son to get me off the acct so they do n't go into either my business or my personal acct so we closed the acct on XXXX XXXX on XXXX XXXX the bank ( XXXX XXXX XXXX reopened the acct and took the money out of my Business acct in which my son is not on so they should not have touched my money they said my ss # was hooked to that acct but it was n't I opened my business acct with my TIN and my son is not on either of those accts. I went into the bank on Friday and the Banker talk to a guy named XXXX was taking care of it and he would get it back into my acct on Tuesday XXXX XXXX it was put back into my acct by XXXX I closed my personal acct that day XXXX XXXX and by the following morning my money was once again taken out of my acct the business banker XXXX showed me the email from XXXX stating he put the money back into my acct and to have my son make arrangements with their collections department but yet and still they took the money out of my acct and have not put it back so I feel the robbed me they stole {$500.00} from my business and I want my money back. I also checked my acct at the atm when I left the bank and the money was back in my acct so I did see for myself that it was put back into my acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-15 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Coastal Financial Solutions, LLC
State: CA

Complaint narrative:
Customer called a number that did not belong to me but belonged to my parents, yelled at my mother insisting she was me, told her all of my information what I owe, payment got returned. I did not provide my parents number to the debt collector, and my parent 's number is on the do not call list. The collector was informed numerous times to not contact that number and continued. This collector is a 3rd party collector

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this account should be removed from my credit report and all collections efforts should cease.

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
Consumer complaint received 2017-02-02 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Netspend Corporation
State: CA

Complaint narrative:
XX/XX/2016, I notice a unauthorized foreign transaction was pending on my PayPal prepaid card, I immediately alerted PayPal prepaid and they did nothing about it. I researched the charge and learned that the charge has been reported by a lot of people as suspicious and fraud. Then PayPal prepaid took it upon themselves to cancel that card without my consent, without giving me a chance to pull the rest of the money I had in the account out, and they left me with no way at all to access the funds, they did this to me At the worst possible time which was XX/XX/XXXX, they left me broke and and I did n't get to celebrate or enjoy the holidays at all. They cause me so much hardship and had me waste so much time and energy everyday for the next 3 weeks calling them trying to access my funds. They would have me On hold for hours, reconnect me to another person several times and they would just hang up on me. They also caused my XXXX account to closed down because they would not approve the wire transfer I had scheduled, even though I had enough money for the transfer, causing me to go negative {$220.00}, and because of another transfer they did n't approve I was unable to pay off a loan from lendup and now I owe even more money. I first talked to them XX/XX/XXXX, they told me I would be updated about the situation XX/XX/XXXX, when XX/XX/XXXX came they told me I 'd have to wait till XX/XX/XXXX now. It 's starting to feel like they were the one that did the fraud charge, they have not been cooperative at all and they have n't helped me at all, Instead they caused me Even more stress and so much hardship ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX XXXX XXXX has taken an excessive amount of time to process a loan request for her client, which in turn is holding up XXXX closings contingent on closing this loan, which I am the seller. She has assured everyone involved that this loan is moving as fast as possible yet we seem to be getting no where. Every loan down the line is approved and waiting on XXXX XXXX to do her job in a timely manner. She has given XXXX possible loan closing dates with none going through. Now we are in the XXXX season and everyone expected to be moving into homes before XXXX which does not appear is going to happen. She does not return phone calls, text or messages. She sends one reply after hours so no one can contact her. Her client is upset, I am hot. Does this woman realize that she is affecting numerous loans and lives that are all contingent on her doing her job. We are losing locked in interest rates, past contract dates etc., and she says we should be able to get them extended because she extended her clients. It should not have to come to that and and it would n't if she would have been on the ball from the beginning. If she has to many responsibilities maybe she should be relieved of some so that the loan can be processed in an efficient manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 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: NJ

Complaint narrative:
Southwest Credit System added a negative account on all XXXX credit agencies, in the amount of XXXX, on XX/XX/2016. I contacted Southwest Credit System immediately by certified mail indicating that I am disputing said debt. I asked for validation of alleged debt in which Southwest Credit System has not been able to provide. I then sent two more certified letter asking for validation of this alleged debt, and Southwest Credit System still has not provided tangible proof this account belongs to me. They have continued to make late remarks on my credit report every month since XX/XX/XXXX as if I had a contract with their company, which I have never spoke to verbally or signed any documentation with this company. I feel they are in violation of the Fair Debt collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: CA

Complaint narrative:
Netspend.com sent me a debit in my name to my home address. 

I did n't apply for a debit card from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: CA

Complaint narrative:
Was XXXX at XXXX XXXX XXXX of XXXX XXXX California. Had difficulty paying the debt to the hospital or organization in which the debt originated, but had paid some of the amount in the beginning at the beginning of the agreement. Was XXXX twice since diagnosed in XX/XX/XXXX and again in XX/XX/XXXX that led to XXXX and being out of work for 4-months. Debt was turned over to USCB America who has been receiving the debt since around XX/XX/XXXX to present. They were deducting funds from my account on some months twice where i was n't informed, and since the last conversation XX/XX/XXXX they are claiming that they have n't received any payments and now only willing to settle if I pay half of the interest which was never agreed upon. It 's not a whole lot of money, but I hate feeling like we as consumers have no rights. I spoke with one of there staff members on XX/XX/XXXX, who discussed the payment history with me, because the first two payments made, they claimed they had no knowledge. Any assistance would be appreciated. I just want to get debt settle prior to the new year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
On XXXX XXXX, XX/XX/2015 I sent 300.00 to the incorrect credit card company Southwest Credit Card through money gram. I already faxed the company a letter stating I did n't have an account with them and I was wanting my money refunded so I can properly pay my debt that I owe to another company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
They have listed on my Credit Report that the debt was incurred in XX/XX/XXXX. 

This is impossible since I have not been a member of XXXX XXXX XXXX California since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-31 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:
Southwest Credit Systems never contacted me about item they posted to my credit report and has not validated the debt, I called them and they said that the item they put on my credit is from XXXX years ago, I never knew anything about this debt until I checked my credit report. 
I did a quick check online and found many bad reviews about Southwest Credit Systems, this company is accused of harassment, scamming, fraud, verbal abuse, producing false documentations etc. 
I do n't believe that they are licensed to collect in my state and I have reason to believe that this might be a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-21 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
A Man XXXX called, XXXX XXXX XXXX XXXX XXXX ... we talked for several weeks about a loan transfer with no interest for the entirety of the balance, pay {$700.00} up front and then transfer for a interest free note. I got the paperwork and it is set for a 22.5 % rate!!! 
I did not agree to this. I have called Barclays many times trying to straughten this out. No relief. They have closed this acct. and are pusuing payment. I refused to pay until they gave me what I agreed upon. They say they do not know who offered this to me, I have been misinformed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On or about XXXX XXXX, 2016 I received a letter stated that Huntington Bank had not received my mortgage payment on Account No. XXXX. On or about XXXX XXXX, 2016 I visited the XXXX XXXX Branch and met with the Branch Manager XXXX XXXX I presented him copies cancelled checks on both mortgage accounts. He called the account center and after research stated they found record of payment received and could not understand why the late payment letter was generated. 

On of about XXXX XXXX, 2016 received a call from Huntington Representative XXXX XXXX He stated that they had not received my mortgage payment. I explain my meeting with XXXX XXXX. On or about XXXX XXXX, 2016 received a called from Huntington Representative XXXX XXXX, he stated they had not received payment but later changed his allegation and stated they received a payment of {$2000.00} but my mortgage payment amount is {$2300.00}. I emailed a copy of my cancelled check showing Huntington cashed my check on XXXX XXXX, 2016 in the amount of {$2300.00}. My mortgage due date is XXXX XXXX, 2016. 

I have had this account for about 15 years. To the best of my knowledge I have never been late. It appears that Huntington Bank is attempting to jeopardize my excellent credit history so that I will not qualify for a line of credit on another account. 

Copy of cancelled check and mortgage invoice attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
In addition to contacting me after being notified to cease and desist communication, XXXX XXXX XXXX through their alleged agent SouthWest Credit contacted my cell phone on several occasion. XXXX XXXX XXXX has never had authorization to contact me on my cell phone. 
Additionally, this debt was disputed in XXXX of 2015. IN response, the previous agent for XXXX XXXX XXXX sent a few bills, but did not send the requested phone logs which will confirm cancellation of this account prior to the additional bills which were not authorized. 
Furthermore, in XXXX, 2015 in response to a new validation of debt letter sent by SouthWest Credit, no documents were sent and Southwest credit has unlawfully reported mt to the credit bureau in violation of the FDCPA. At this time I am in the process of purchasing a house and this defamation and slander of my credit will certainly adversely affect my ability to do so. If I actually owed the {$280.00} they are alleging, I would pay it instead of going down this route.

Company response to consumer: Closed