vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Constar Financial Services, LLC
State: OR

Complaint narrative:
Constar is attempting to collect on an auto lease that was originally intended through XXXX. XXXX collection efforts have exceeded the statute of limitations of 6 years. When I asked for information on the last payment on the account I was told that the information was not available. Today I received a letter in the mail from Constar which does not discolose any of the debt information and they are threatening me with legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Torriere Holdings INC
State: CO

Complaint narrative:
Spire recovery solutions called my brother saying I owed a dept since 2007 for a XXXX..I called XXXX today and they pulled up my credit saying this has never been on my credit report..and put out a fraud alart on this issue ... they have been harrsing me threw email and phone ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 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: LA

Complaint narrative:
This was a bill from an internet Co. in XXXX AR. The original bill was over 300.00. My daughter talked to them and they agreed to accept a lower amount which she paid. They then said " Paid in full '' and I never heard another word from them. 
This COMPANY IS XXXX and they were paid off in full. 
My name is XXXX XXXX XXXX XXXX LA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I filed a complaint with the XXXX in regards to the poor service that I received from Huntington National Bank and their refusal to refund full fees for a simple mistake. There was a {$10.00} difference. The staff was rude, very condescending, and antagonized me. After the complaint w/ the XXXX was filed, Huntington decided they were going to close my account and provided NO reason as to why the account was being closed. This was after I decided to let the matter go and did n't even respond to rebuttal their XXXX response. Instead, they waited until the day after XXXX closed my complaint and mailed a letter stating they were closing my account. So I complained about their service and they close my account? I, as a consumer, reserve the right to file complaints and seek assistance in resolving my matters. I have only contacted Huntington on XXXX occasions and this was my XXXX complaint with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: GA

Complaint narrative:
I used my card to order a product over the phone in XXXX 2016. In XXXX 2016 when I noticed another charge, I called the company I ordered from XXXX to advise them that I did not receive the product yet. I was told they would track it and have resent to me. That never happened so on XXXX16 I filed a dispute with Netspend to get my money refunded as XXXX was giving me the run around. I was initially told that the claim would be complete within 45 days. Netspend continues to advise me that they are working on the claim but it has been past 45 days and still no resolution. I am also getting the run around from them as well. They refuse to tell me the process or what steps they have taken to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allgate Financial, LLC
State: MN

Complaint narrative:
I received this summons and have not heard from these people before. I can not contact them for information as I do n't have any communication except for this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: American Finance LLC
State: DE

Complaint narrative:
Debt was paid in full. At XXXX point the pmts became deliquent all pmts from then on were paid in full in XX/XX/2011 per the the contract. American Finacial of XXXX DE placed a derogatory remark on my credit report stating the debt was charged off. It does show a XXXX balance

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I previously filed a complaint with the CPFB ( CFPB case # XXXX ; Huntington Bank Case XXXX ) regarding overdraft fees. Huntington told me and the CFPB that it refunded all of the overdraft fees. They did refund the fees on XXXX/XXXX/2016. Later that same day, Huntington reversed itself and withdrew the money from my account again. I believe this was done purposefully to deceive both me and the CFPB. I did not realize the refund reversal initially. 

Also, Huntington indicated in its response that I permitted Huntington to allow my account to overdraft at the time of signing up for my checking account. This is a bold faced lie. I made ABSOLUTELY certain to the bank representative that I did not want my account to overdraft if I did not have the funds in my account to cover a transaction. In Huntington 's response, they indicated I could opt out without providing detailed instructions to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23 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:
Huntington bank 24 hour grace period The media package nor the brochures offered by the bank do not disclose how this feature does not work.The bank determines whether or not to the transaction so if they determine to not pay it the grace period does not apply, I questioned the formula for their decision for paying or not paying bank states they do n't have one.This is very misleading and the consumer is given permission to overdraft and believes no fee will be incurred when many times a fee is assessed even when deposit is less than 24 hours.Bank states deposit could be 1 minute later it does not matter, this info needs to be given to consumer, not buried in fine print in a XXXX page disclosure that bank employees do n't even mention when opening an account.The fee is even assessed when a direct deposit is pending for 25 times the amount of the transaction, quite a money windfall for the bank at {$37.00} per fee.The media package for Huntington needs to be changed to full disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear : CFPB I need your help to solve this problem with Bank of America ( BoA ) I strongly believe that my right as a consumer had been violated and denied for too long with the negative and false report in my credit file from Bo A. In XXXX XXXX BoA send me letter for collection and credit refund this process is conflicting with XXXX and the other. 

On XXXX/XXXX/XXXX I spoke to Bank of America ( BoA ) over the phone ( XXXX ) XXXX, XXXX, XXXX and transfer to XXXX in the billing department about the credit report of late payment and delinquency in my credit file, after I explained to him the error happened since XXXX XXXX told me that the report on all of my accounts will be correct and remove, and the credit bureau said it take about 30 days to get it correct. 

Today I went online to order my annual credit report and find that the late payment and the delinquency report was back in my files. I call XXXX and spoke to XXXX he said BoA had made a final decision that the delinquency report stayed as is in my file. I requests to speak to XXXX in the billing department but was denied, how could I have a delinquency when BoA refund a credit of {$61.00} to me plus all the late fees and interests was refund and correct since XXXX XXXX statements? 

I pay my bill in timely manner and paid as agreed, I did not paid minimum balance instead I paid full balance each billing cycle on all credit cards that I have with XXXX, XXXX XXXX, and Bank of America for the pass several years, please verify this with other cards provider. 

Please I need your help and I requests for an investigation into this matter to correct and remove this false report that had destroyed my good credit for over a year. Thank you for all your help and understanding I am looking forward to hear from you. 

Respectfully, XXXX XXXX Ps : This matter concern the account # XXXX, XXXX ( last XXXX ) Attached documents already send through regular mail XXXX/XXXX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
We were tricked into accepting a high interest rate mortgage with Huntington Bank. Their employee outlined a plan for us to mortgage out of our land contract, then do a cash-out refinance on the new mortgage, something we could not have done on the land contract. His advice was for us to take premium points ( a higher interest rate XXXX on the first mortgage and use the bonus cash to pay the closing costs. We would then immediately cash-out refinance at a lower interest rate due to a points purchase, and pay closing costs as required. The net effect of this plan is to bypass rules against cash-out refinance of land contracts, and to avoid paying closing costs XXXX times while doing so. The day before our right of rescission was to expire, the employee confirmed his plan to be correct. Even when specifically asked whether or not seasoning was required before we could refinance, the employee confirmed it was not, that we were a special exception and we could proceed as planned as soon as our right of rescission had expired. The day our right of rescission expired, the same person told us we can not proceed as he had planned due to a requirement that our loan season for XXXX months before we can refinance ( seasoning ), that he had made a mistake and was sorry.The net effect of this trickery was that we now are stuck with a high interest rate mortgage. 
This person 's supervisor corroborated his plan prior to its execution and is culpable in his wrongdoing. 
We believe we have been intentionally tricked into this high interest rate product. 
This is not a hearsay situation, we have voicemail messages, text messages and witnesses ( including a notary public ) to a conversation which all prove the employee was intentional misleading for his own and his bank 's greater profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Dear sirs, I recently spoke with your rep and she read me the response from XXXX at Bank of America. This has truly been a nightmare i hope to end soon. The bank cleared this certified company check and then after being on hold for 4 days they cleared it into my account. The very next day they put a stop payment on it. Then to make matters worse they stopped payment on a check that was n't even real. The Bank will not return my calls, keep adding fees and will not let me close my account. BAnk of America is clearly avoiding the fact that their processors missed that this was fraud and refuse to admit they were wrong in letting this check get cleared and a stip payment be put in effect. The documents they sent you do not match the documents they sent me. This is in reference to a case i already have with Bank of America. if i am causing confusion i apoligize but i dont know how else to give the updated information to your company. I am attaching documents which clearly are different that the ones the bank sent to you. also the information they provided to you is indeed their side of the incedent and does not match what truly happened. case XXXX. 
I am homeless and temporary with a friend i am XXXX and it is hard for me to get around. i will check my email please let me know if you need me to call you. 
thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-19 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: AZ

Complaint narrative:
Been paying NAVIENT every month for years yet they fail to credit my account and report me in default every month -- -totally destroying my credit reports plus never responding to my queries. No payments forwarded to my school debt they take my money and keep it for themselves -- -RETURN MY PAYMENTS AND MY CREDIT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I was preapproved for a Mortgage with 10 % downpayment and a fixed interest rate. After submitting an offer on a house and paying for Earnest money, inspections, application fees, and 2 weeks away from the closing date, my lender informed me that they now required a 20 % down payment and were increasing the quoted interest rate by .6 %. The house offer was made and planned for based on the preapproval and I do n't have the additional 10 % down payment available. Because of the late notice, it is near impossible to get financing with another lender before the closing date.

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 non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
for 4 yrs straight they garnished my full tax refunds from XXXX ( each yr i was getting back over {$4000.00} ) and years after partially garnished. 
I am still getting mails about a balance am owing and I was making payments biwkly in XXXX and XXXX.Now when I logged on to website is showing all of a sudden I have a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I am an alumnus of XXXX University as of XX/XX/XXXX. During my collegiate career, I struck hardship and had to result to borrowing from private loan lenders to pay for my education. Now, less than a year after graduation, I am in the repayment process. The bulk of my private student loans come from Navient and XXXX XXXX. Navient has been unable to assist my cosigner and myself in being placed on an affordable repayment plan. With a monthly payment of {$830.00} from Navient alone we are unable to fulfill the payments. I recently ( XX/XX/XXXX ) spoke with several Navient representatives, including management, to lower my monthly payment with no positive outcome. I understand that federal student loans have many more repayment options than private lenders ; however, there needs to be some cooperation in the repayment process. It 's extremely hard to begin or elevate a career when you are in so much debt that it is crippling to your ability to grow financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX OWES ME {$500.00} DOLLARS, SO MADE A STATEMENT I TOOK HIS MONEY TO BANK OF AMERICA SOTHEY ARE HOLDING UP MY ACCOUNT OF {$400.00} DOLLARS AT MY BANK AT XXXX BANK ACCOUNT # ENDING IN XXXX I WANT MY MONEY RELEASED BACK INTO MY ACCOUNT, BECAUSE I HAVE PROOF THAT XXXX XXXX MADE FRAUDLENT TRANACTION FROM ACCOUNT TO HIS ACCOUNT, SO THE MONEY HE CLAIMS I XXXX XXXX BELONGS TO ME BECAUSE HE STOLE MONEY FROM MY ACCOUNT I'AM ASKING THAT MY {$400.00} DOLLARS BE RELEASE IMMEDIMATE PLEASE, XXXX XXXX IS A SCAM ARTIST, A RIPP OFF, AND THIS BANK OF AMERICA BELIEVE HIM BANK OF AMERICA IS A RIPP OFF TOO, I XXXX XXXX WANT MY MONEY PUT BACK INTO MY ACCOUNT WHICH THEY ARE HOLDING, BANK OF AMERICA IS A RIPP OFF, DISHONEST BANK, NOT GETTING THE ACTUAL FACTS, FRAUDLENT TOOK MY MONEY OUT OF MY ACCOUNT ... BANK OF AMERICA, RIPP OFF SCAM MY MONEY OUT OF MY ACCOUNT, RELEASE MY MONEY.

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 2015-04-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
ONGOING ISSUE! My original loan was through Countrywide. From my understanding Countrywide never gave up the note on my home to the trust ... .not because the home is worth considerably less. Therefore you do n't have securities backed by this mortgage. If Countrywide never gave up my note then they have no standing in this foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 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: PA

Complaint narrative:
Pioneer Credit Recovery sent a garnishment order to my employer before send me a notification or an income driven repayment plan according to the law. this put my family in a extreme economic hardship since we can not afford to pay our rent or put food on the table. I am living at my present address for over 11 years. please help.

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 2016-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My bank allowed charges to go through on a fraudulent charge. On XXXX/XXXX/16 I saw an offer for free trail of XXXX and to pay XXXX for shipping and the end of my transaction it was an offer for another XXXX for the same offer to try as a combo pay only shipping, I made sure no additional payments were required finished my transaction, I checked my account and notice strange charges and called the bank, they said it was international charges. The combo XXXX came a couple of weeks later. On XXXX/XXXX/16 XXXX was charged to my card I checked my email for any invoices or confirmation of purchase everytime i shop on line it is how I keep track of my online spending I did not get anything. I called the bank and I put a stop on the purchased and reported fraud. They reversed the charges and i told them to block the vendor I did n't buy anything for XXXX charged was returned XXXX. on XXXX/XXXX/16 XXXX charged my charged my card again causing an overdraft, I called the bank and i asked how did the charge go through and they could n't explain how it happen they read the notes from the weeks before, so on XXXX reversed the charges again. i still had n't gotten anything in the mail the bank could n't locate a phone number so i could call. XXXX got the XXXX and it had a letter telling me I was defrauding them for not paying. i finally got a number and I called and i told them they were the fraudulent ones, and i wanted to send them back. He told me they did n't take medicine back but they would refund my money, i told him that i told the bank they were fraud, XXXX was his name wanted me to take the fraud investigation off, he gave me a confirmation. I called the bank after i talked to XXXX. I gave her the information she said she took down what i said and confirmation number. on XXXX the bank took XXXX out of my account and then again on XXXX another XXXX stated their investigation show no error the purchase was valid. the paper work from their investigation from their website do n't match the charges from my account. I didn/t keep the pills nor did i keep the papers that came with them. The bank would claim to take notes and more times than one they had no record of my many calls

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