vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Merrill Lynch lists an account by my name with an assigned number for me -- XXXX -- within my online " ML '' account summary/log/record but it 's never on my ML bank statements ... The suspicious thing : " account closed '' balance " XXXX '' since when? No check was ever sent to me for XXXX XXXX dollars : despite the several different [ real ] reasons why/how/when the account balance should be or was XXXX XXXX dollars [ US ]. There are no listings of transactions/activity or when it was allegedly closed. So? There has to be a legitimate inquiry -- investigation -- for ML to fully disclose. ML bought BOFA XXXX : Bank of America " BOFA '' then bought Merrill Lynch ... ML took over long standing BOFA accounts valued at greater than {$100000.00} and then those accounts were quickly reassigned to BOFA sans the funds exceeding the FDIC limit [ at that time ] and/or sans funds completely!? In my case : ML says completely XXXX And since when? ML does -- has refused -- not say. ML must return any/all actual account value to me : the real account balance fro XXXX must be disclosed to me and I must be allowed access to those funds and any interest earnings on the funds must be attributed to me for my use exclusively.

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 2016-01-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ACCESS GROUP INC.
State: NH

Complaint narrative:
I cosigned a loan which was later settled. After settlement, the originator ( Access Group ) improperly put the account into collection multiple times. Collectors contacted my family members regarding the account. The collection account was put on my credit report. 
XXXX other Access Group accounts associated with the same student, which I did not cosign, were also improperly put into collection in my name and put on my credit report. 
I have been able to get the accounts removed from my credit report after informing the collection agencies, but these accounts should never have been put in collection or on my credit report in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
After receiving a copy of my credit report, I discovered that this debt was being reported without me having any knowledge of even having this debt. I have attempted on several occasions to obtain validation and verification of the debt from the creditor. The collection agency has no knowledge of anything about me outside of my name. When I contacted the collection agency, the representative repeatedly requested my birthdate, social security number, address and phone number in a very rude manner, before giving me any information pertaining to this debt. Representative also informed me that it was against the law to refuse to pay a debt that I owe and attempted to collect without verifying that is was indeed my account, that I owed on the account. or what the amount owed actually was.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: PR

Complaint narrative:
Under the Deceptive Trade Practices Act, Scottrade Inc. was found liable for misrepresentation of material facts that resulted in losses to individual investors such as myself and many others. Scottrade 's negligence and omission of material information pertaining to the sale of known harmful securities to the public is not only highly unethical but bordering criminal activity due to its commission structure that encourages such activities to occur at the great expense of hard-working ordinary investors who have saved up all their life only to lose it all to somebody who took advantage of the system. 

Scottrade needs to be sued and ordered to pay compensatory damages to victims as well as punitive fines for violations of securities regulations. Otherwise, more ordinary individual investors and naive investors will lose their hard-earned money to Scottrade 's deceptive practices, material omissions, misrepresentations, and negligence.

Company response to consumer: Closed
Consumer complaint received 2017-03-02 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: Penn Credit Corporation
State: MO

Complaint narrative:
I settled the debt with Penn Credit Corp in 2012 in the amount of {$210.00}. It has recently hit my credit report as an active open collections account. I need to know how to have it marked as closed or removed from my report all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 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 bank, Huntington Bank, had given me a wrong bank account number which caused my direct deposit to bounce back and my account to go into the negative. They charged me a total of {$280.00} on an overdraft of {$27.00} dollars that 's an almost 800 % interest rate. This is unfair half my check was gone and it was their fault to begin. 

I was given the run around for a week speaking to several customer service managers ; XXXX, XXXX and a Voicemail that was never answered by a XXXX at least that is what his out going message said his name was but when I called back he was non existent. 

This is unfair and predatory especially since it was their mistake

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-09 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: NJ

Complaint narrative:
I file a complaint with XXXX about SW Credit Systems because Systems SW Credit Systems added a debt of $ XXXX.to my credit reports without notice has caused me a denial of housing, this is not my debt. Southwest Credit Systems, LP, did not provide notice to me prior to reporting negative information to the credit reporting agencies. Because Southwest Credit Systems did not give me prior notification, I was denied the right to dispute the debt or verification of debt. 

Southwest Credit Systems, LP also reported on my credit report that I opened the account with them ( Southwest Credit Systems, LP ) on XX/XX/XXXX. This is not true, I never opened account with SWCS, LP. I have no knowledge of nor am I aware of such business transactions with this company Southwest Credit Systems, LP or the company they represent ( XXXX ). 

By Southwest Credit Systems adding the debt of {$840.00} to my credit reports without notice has caused me a denial of housing and credit. By SW Credit Systems, LP adding / reporting a debt of {$840.00} and not notifying me prior to reporting to the credit reporting agencies is SWCS, LP for me to pay a debt that is not mine. I also sent a certified letter # XXXX to Southwest to remove the debt b/c it was not mine. During that time SW Credit reported the debt to XXXX and XXXX, after numerous back and forth between Southwest Credit Systems and the XXXX, Southwest removed it from my XXXX and XXXX reports at the time of SWC reported the debt it was not reported on my XXXX. On XXXX/XXXX/XXXX Southwest Credit they would cease and desist all contact regarding this matter on I got an alert that on XX/XX/XXXX Southwest reported to XXXX the same debt of {$840.00}. Also, I was in such in a dire to move from current resident I offered to pay {$250.00} so I could obtain housing. This offer was not a settlement but an agreement that they would remove this debt or report paid in full as agreed so I could obtain housing. SWC did not provide validation of this debt belonging to me. This has been on-going with Southwest Credit System since XX/XX/XXXX, as I have stated to Southwest, this is not my debt. I have no knowledge of this I only offered to pay {$250.00}. b/c I was in need of immediate housing and I am un-employed. This was an offer, not a settlement only to get housing that is the only reason I offered the payment of {$250.00}. for this debt that do not belong to me.

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 2016-10-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I moved from XXXX to XXXX the end of XXXX XXXX, In XXXX XXXX Navient Told me I was past due on my loans. I asked that they consolidate my loans into one montly payment. It was decided I would pay {$290.00} from XXXX to XXXX and {$400.00} from XXXX to XXXX to avoid any late payments In XXXX, however, I learned that all the loans had not been consoilated and that I had to pay a one-time check for {$530.00} in XXXX XXXX to make up the difference. In addition, I just got my Transaction report and learned I had been past due 60 days on XXXX separate reports in XXXX -- {$93.00} on a loan of {$5500.00}, {$93.00} on a loan of {$5.00}, and {$310.00} for a loan for a loan of {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
I was contacted by this company about this debt that I do not owe. At the time of the services provided I was indigent and this account should have been filed under my states indigent fund therefore alleviating me of the obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Netspend Corporation
State: NC

Complaint narrative:
On XX/XX/XXXX I bought a prepaid debit card through NetSpend from my local grocery store ( XXXX ). I purchased the card for {$4.00}, and put {$130.00} on the card to pay my car insurance from my computer. Once I got home I attempted to activate it. I put in the necessary information ( SSN, birthdate, full name, etc, ). Once I completed this process and put the inactive card number in, I received and error message and was instructed to call the company. I did not see anything strange with this as I have had my identity stolen before. I called and attempted to complete the process over the phone and was directed immediately after entering my number to a customer service agent ( which I use this term very loosely as you will soon realize ) and was first informed about a previous charge on my card from five years ago that resulted in a negative balance of {$XXXX}. I was then told that until I cleared this debt, I could not activate my card. My only other options were to of course let them take the funds " owed '', or to get a refund on my purchase and wait 20 days for it to come in the mail. In addition to that I would be charged a fee for them to do this. In retrospect I did not react well to this news. I became quite the person to deal with and I ended up hanging up the phone because I was so frustrated. After I had calmed down just a bit, I called them to try to find out about their policies and where it stated that they were allowed to do this. I still have not gotten the answer to that. I was then told by a representative, that I would need to submit my ID, SSN, and proof of residency. I have done this countless times from this past Friday until now, but they keep saying different things like I did not receive a reference number, my copies were incomplete. Today I have scanned the documents in versus taking a photo from my phone, so hopefully this annoyance will cease. As for them taking my money, I have researched and researched. From what I have gathered, they can not legally do this, especially since they made no attempts to collect said debt from XX/XX/XXXX. Their response is that they treat me like any bank would when there is a balanced owed. My response was that a bank would attempt to collect said debt, through email, snail mail, or phone call. It is even more frustrating since I have told them they may collect said debt, and they still refuse to activate my card. I have repeatedly told them that I would no longer be bothered with their company or their services once this has been done. Why can I not have access to my own funds? Why am I punished for a debt I have no knowledge of from XXXX years ago? Please let me know if I have missed some legality.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26 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: MA

Complaint narrative:
They claim to hold a debt I have with XXXX XXXX XXXX. I informed them that I 'm not working a permanent job, but when I have the money I will pay. They call repeatedly and when I answer they hang up. Per my caller ID they have called : Week 1 XXXX/XXXX/16 at XXXX, XXXX, XXXX XXXX/XXXX/16 at. XXXX, XXXX XXXX/XXXX/16 at XXXX, XXXX Week 2 XXXX/XXXX/16 at XXXX, XXXX, XXXX They call from XXXX different numbers : XXXX and XXXX This causes me to get XXXX, I feel like I 'm being badgered and bullied. I 've paid over {$5000.00} in debt this year alone that my estranged husband left in my name when he walked out on me. I 'm working really hard to rebuild my credit. I want to pay them, and I will. It 's just not fair to harass me, I 'm already under a lot of XXXX. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 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: ME

Complaint narrative:
Have XXXX on my account from this company never have had any info on what is for on my trans union report the number is XXXX and the second is XXXX do n't know what they are for we have had XXXX XXXX for years and the other says insurance and we have had XXXX for years so no clue and never been contacted about these or had any info

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
Approximately 3 years ago I opened an account with Huntington bank and have been in good standing with them until recently. On XXXX/XXXX/2015 Huntington Bank allowed and unauthorised transaction to take place for over {$1700.00} by XXXX XXXX a car. In no way, shape or form did I authorise this transaction nor anywhere in the area remotely close to that amount. Moreover I specifically went to see my personal Banker about one month prior to this transaction and personally opted out of any overdraft protection for fear of something like this would happen. As soon as I caught the fraudulent transaction I immediately contacted the bank. After a week or so I went to see my personal banker and he made some phone calls regarding the travesty, I do n't know who he was speaking to but he did remind whoever it was that I had no overdraft protection, and made reference to a small transaction sometime ago at XXXX which was denied due to insufficient funds. He actually was arguing and at one point, pointed out about how a small grocery transaction could be denied but yet a {$1700.00} could slip through. For whatever reason the person on the other end, cut the conversation short, and I was given an excuse for them allowing it. It through me into such a daze, I cant even remember what exactly was said. I formally disputed the matter sending XXXX XXXX several document via email showing what it was XXXX had been doing. Long story short both the bank and XXXX had been making banking mistakes and I should not have to be the one paying for it. I have struggled most of my life from XXXX issues which in turn caused me problems to ruin my credit. I have been doing well for several years now and have been making some headway in trying to repair my credit, I wanted to try and buy a home here as a first time home buyer but now I cant even get a car loan. It has brought me to the point of XXXX because of all the financial hardships Both Huntington and XXXX have caused, I would never authorise and amount that I could n't cover and every single time I called XXXX, I made XXXX well sure the money was there at the time to cover it, as I did with all business. 
I returned the car in better shape than it was when I rented it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Netspend Corporation
State: WA

Complaint narrative:
I CALLED NETSPEND COPRORATION AFTER BUYING A NETSPEND PAY PAL CARD, IN WHCIH THEY TOLD ME THAT THEY COULDNT ACTIVATE A XXXX WOMENS CARD I BOUGHT THE CARD IN XXXX PAID XXXX DOLLARS AND PREPAID FEE TO PUT THE MONEY ON THE CARD IN XX/XX/2017, THE SECOND TIME I CALLED THEY CALLED ME A XXXX WHEN I CALLED AND I HAVENT GOT MY MONEY BACK

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: AZ

Complaint narrative:
This company, Net Spend sent me a debit card that I did not request. The card can only be activated by entering my social security number, not the card number. I tried to contact Net Spend and without activating the card I could not speak to customer service. I have filed a complaint with the FTC and Local Police. My name and address is listed with Opt-out Prescreen list and flagged with the credit bureaus. I had to email them to cancel card XXXX exp 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 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am submitting a complaint regarding my student loans with Navient. My student loans were switched from XXXX XXXX to Navient several years ago. My student loans stem all the way back to 2005 when I began my educational training for XXXX XXXX through XXXX XXXX XXXX in XXXX XXXX OH. My education was put on hold do to financial difficulties and within no time, I was being billed for the classes I had completed. XXXX XXXX made it very difficult to work out a convenient payment plan. I fell behind and my credit began to drop. Without notification, my loans were switched to Navient. Again, Navient made no attempt to work with me on setting up a reasonable payment plan. Instead, I was under the impression forbearance would be the best option. During this time, I began trying to register for classes at XXXX XXXX to complete the program and receive my degree. XXXX XXXX XXXX has since closed all it locations and I am now stuck with student loans for a degree I do n't have. 
I do not know who to talk to regarding this issue. 
I been unsure of who to contact regarding my complaint. I am paying a high amount for a degree I have not received. I am struggling to pay for student loans that have built interest while in forbearance and now the XXXX is no longer in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am in the repayment phase of my student loans and have been for the last XXXX years. 
I consolidated my loans with XXXX XXXX and that loan was later transferred to Navient. 
During the consolidation process around 14 years ago my loan interest rate was locked in for 30 years at 3.375 %. I have been paying {$250.00} / month ( via direct debit ) since I consolidated my loan at that time. 
Recently I received a letter from Navient stating that they had to " recalculate my payment '' but that the other terms of my loan ( principle owed, interest rate, and number of payments ) were not being changed. When I called customer service ( on two separate occasions ) and later uploaded an email message online, eventually I was advised that they are now using the original interest rate of 4.625 % to calculate the payment ( but I am " still getting the lower interest rate of 3.375 % '' ; huh? ). Even though they state that this will pay the principle down faster, they still show the same number of payments being paid ( 196 total monthly payments ). ( Anyone with a sense of numbers knows that this makes no sense. ) {$38000.00} - amount currently due 3.375 % interest rate XXXX payments. 
Based on these numbers my monthly payment should be {$250.00}, not the {$270.00} to which they have raised my payment. 
I have spoken to them on the phone twice and emailed them with no better response ; at first I just thought I was speaking to a dullard on the phone but the consistency of their responses makes me think otherwise. I think the company is making a concerted effort to defraud me ( and I would presume others as well ), as clearly the terms have changed on my loan, which is NOT a variable loan. Please help. 
Look at the numbers on their website, which I have uploaded. ( It is broken down into the XXXX loans that were consolidated. The numbers do not add up when you put them into an amortization calculator. If I pay the principle due with the payments they have calculated, it should pay down faster than what they have listed. In their email response to my inquiry they noted that " the minimum monthly payment amount for your loan needed to be modified to ensure that your loan will be paid off by your agreed upon loan term end date. '' If you calculate the numbers you will see that that statement is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
Central Financial Control has XXXX collections listings on my credit report. They span XXXX - XXXX. Each is for a different amount. It is illegal for a company to report a false amount. Furthermore, I have no idea what these are for. I have already attempted to contact the company, and get proof of these debts. The company ignored me.

Company response to consumer: Closed with explanation