vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
This compliant is in regards to a business credit line for my business XXXX. I currently have an installment loan with this bank with an initial loan for XXXX. I currently owe a balance after XXXX years of {$13000.00} in which I will be paying off as of XX/XX/XXXX because it does not make sense to pay a set amount based on XXXX when the loan is down to XXXX. I have not missed a payment and I am in good standing with the bank and my payments were all current and to date. I have a good credit score per personal in the XXXX 's and business score for my business because I was just recently approved for XXXX approx a month ago in credit card but the bank did not have a credit line product so I applied at Huntington Bank due to I have a relationship with them and a installment loan. I applied for a credit line for XXXX dollars and was told the process would take XXXX hours however after XXXX weeks I called XXXX and he stated that they were backed up on loans and also read the Email back to me stating the underwriting said that If I had a hard time paying off my current loan that would be an issue but which the banker, XXXX must have gotten the information confused that he sent to the underwriter becuase I told him I was paying of the existing loan but I express to the banker, XXXX I am paying off the existing loan but I just wanted to apply for the creadit line to have a credit line available it took XXXX weeks to find out I was denied but did not find out by that banker XXXX but only after calling several other personnel for customer service and branches. I am writing this compliant because I feel I was unfairly denied for a business loan I should have received. These are the following factors : XXXX. This existing loan will be paid off as of XX/XX/XXXX XXXX. I have good personal and business credit XXXX. I have been in business over 15 years XXXX. I have not missed a payment on the loan XXXX and have paid XXXX XXXX years current and in good standing. I feel the banker has dropped the ball and handle this particular banking issue reckessly. Further, I have several other credit lines and have had for over 20 years and all are in good standing. This is the lst time I have encountered a situation where it takes XXXX weeks and still no answer until I call another bank and even they thought it was odd to wait XXXX weeks for a decision. Last, I am writing this compliant due to the banker XXXX not properly conveying my circumstances for receiving a credit line and has in essence blown my chances for a credit line I was suppose to receive based on my currently standing in business and I feel not only a violation for my business but my rights as a business owner. 

Desired Outcome : My desired out come is to have my case properly conveyed and reviewed so the outcome by the underwriter can be made with proper and correct information and not misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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 Netspend card at XXXX of their " FREE '' ATMs. AFTER logging in and clicking " withdrawal '' I was then asked whether the w/d should be from Savings or Checking ( I was given the choice ) ; so I chose " Savings ''. The machine then denied the choice IT gave me and charged me a decline fee for insufficient funds ; not because the amt was n't in my saving account, but because ( from calling them ) they say they do n't allow withdrawals from savings. If you 're going to charge a fee for an option you do not allow, you should n't offer the unallowed option as a choice. Please look into this. I have saved the receipt and I 'll supply you with what you need. Thank you XXXXXXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My savings account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. I was not notified of this closure. I called and asked why and was told that the account was at a 0 balance for XXXX months. I advised that the account had not even been open XXXX months, and the bank changed their answer to say that they had a policy if the account was at a 0 balance for 3 months it would be closed. The account still had not been open XXXX months when it was closed but when I asked for a copy of this policy ( as the packet I had been upon opening the account given did not state this ), they refused to send it and said I could only get it at the local branch. I unfortunately work all the hours the branch is open and asked again if I could get a copy sent to me. When the representative again refused, I asked to speak to a supervisor, was put on hold, and no one ever came back on the line. 

This is concerning to me as it seems the rules either changed and I was never notified, or was not given the proper paperwork upon opening the account. It 's especially concerning that the bank seems to be adopting deceptive practices by not clearly stating those terms in writing, and moreover refusing to show the supposedly available paperwork upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX : Grant Mercantile Agency Account : XXXX XXXX XXXX XXXX XXXX, Grant Mercantile Agency has been sending me threatening letters and emails trying to collect a debt for XXXX XXXX XXXX XXXX that was Discharged in my Bankruptcy No. : XXXX. We have sent them numerous documents including XXXX XXXX XXXX XXXX Statement of Charges showing ( XXXX ) XXXX balances and XXXX due, stamped, dated and initialed by the XXXX XXXX XXXX XXXX supervisor. 

They were also given the phone numbers of XXXX XXXX XXXX XXXX patient records so that they could call to verify our documents but according to XXXX XXXX XXXX XXXX 's last contact ... GMA has never made any attempt to contact them in anyway. 

Further, on XX/XX/2016 GMA filed collection notices with all XXXX Credit Reporting agencies for the XXXX XXXX accounts and sent me a letter saying I had 30 days from XX/XX/2016 to pay them or they would take legal action against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: Netspend Corporation
State: NJ

Complaint narrative:
Netspend on behalf of XXXX offers a Pre-Paid Savings account that offers a 5 % optional savings account that you get when you open a XXXX Prepaid MasterCard. In XX/XX/2015 I reopened my card and deposited {$2300.00} into my savings account. When I logged onto my XXXX Prepaid App, the savings account showed an interest rate of 0.0 % for the statement quarter, violating the agreement that netspend included in their terms and conditions. I kept the amount for a month hoping it would change, however it still remained listed as 0 %. I then pulled my money out of it on XXXX/XXXX/2015. When I went to close my XXXX Prepaid yesterday, I was told there was no interest to be paid out, again directly violating the legally binding agreement that I made with Netspend when I opened the XXXX Prepaid Account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank bought out XXXX. I had a checking account with XXXX XXXX. I attempted to access my account through Huntington, but could n't. When I called Huntington they said the account was closed, because I owed {$70.00} something to my XXXX XXXX account, which had been sent to collections. My very last communication with XXXX XXXX was an email saying my account was low, but not overdrafted. Huntington told me to contact XXXX XXXX ... which, of course, does n't exist any more. I have received no communication with either Huntington nor with any collections agents. Huntington 's staff was incredibly rude and unhelpful. I was hung up on twice, and they kept rerouting me to different departments. No one would give me an employee ID number, even when I asked. The names of the employees I did talk to was " XXXX '' XXXX she would not give me her last name ), and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
I verbally advised this company to stop calling me after I settled and paid a debt. Since I 've made the settlement payment, Receivables Performance Management calls me XXXX times per day. I 've asked them to stop calling me, Ive requested managers and supervisors but the representatives who answer the phone refuse to connect me with someone in leadership. I want them to stop calling me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Consultants of California
State: CA

Complaint narrative:
2nd complaint. 

I have sent in XXXX requests certified mail asking for Collections Consultants Of California to:1. Prove that the debt is mine and have yet to receive any validation. 


2. I have also requested a HIPAA authorization askingThey have no right to " subrogate '' ( substitute ) themselves into a medical related contract, whether it is by purchase, assignment, transfer, or trade. If they " bought '' the debt, they did it on their own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: OK

Complaint narrative:
Company contacts me several times a day at my employment. I have asked them numerous times to cease and desist all communication. No debt is owed, on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Regional Management Corporation
State: OK

Complaint narrative:
A loan worker calls me two to three times a day and leaves voice mails now they called my work to verify employment for wage garnishment. I have never received a judgment or an letter for garnishment. They have drove to my house an came up the drive they have called me several times a day an have contacted my employer under no legal grounds and are now making threatening phone calls to me I am feeling harassed and I never applied for a loan with this company they sent me a check in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07 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: Avadyne Health Holdings, Inc
State: IN

Complaint narrative:
My credit is being attacked be cause of some bill from XXXX XXXX. 
My husband is covered by the VA. They pay all his bills. 
My credit is being attacked because of this delay. After explaining this several times, HR collections continues to put it on my credit report ( as my services ). They should be talking to XXXX XXXX and or Veterans Administrations. Not be wasting time trying to get me to pay someone else 's bill. I should not be being punished.??? HELP!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: VA

Complaint narrative:
In the last few years I have received repeated calls from various collection agencies for a debt that is not mine. They are calling for my ex husbands son. I have been divorced for XXXX years and he has never lived in my home and I have no relationship with him. I do not know how he continues to be associated with me or my family since the marriage was disolved a long time ago. When I ask to speak to a supervisor, I get disconnected. I have asked for them to stop but it seems to shift from agency to agency. Any adivice you can provide would be greatly appreciated. None of the agencies will tell me how they got my name and say it 's to protect their client.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I received a call from Navient, the entity handling my school loan. During this conversation, I was told they made a mistake in calculating the interest and in order for them to adhere to the ending date for my loan, they need to change the monthly payment from {$790.00} to {$1700.00}. The ending date for my loan is XXXX XXXX, XXXX. There is only 7 months left remaining on my loam, which I have been paying since XXXX. The {$1700.00} payment is to begin XXXX XXXX, XXXX. I requested a copy of the promissory note/contract, justifying their actions. Initially, I was told they would not be able to locate it because it was so old. I insisted they provide a copy and I was told they would mail a copy to me in 7 to 14 days. I have not received it. I also requested they terminate the Auto Pay feature. They agreed to do so. Yesterday, I received a letter from Navient stating I will be charged additional interest because I terminated the Auto Pay. The letter did not provide any information as to the amount of additional interest. In the same envelope, another letter stated there could be other options available to repay my loan by extending the repayment period up to 10 years. I also spoke with a supervisor at Navient, who confirmed my payment will change due a mistake they made in calculating the interest. Navient gave me less than 30 days notice concerning this drastic change in my loan payment and they have not provided any documentation to support their action. Their internal appeal process takes more than 30 days and can take up to 90 days, which does not allow me sufficient time to dispute their actions before the outrageous payment of {$1700.00} is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America purchased my loan from Countrywide. The loan statements at that time and since then have been extremely inaccurate with over XXXX " Misc '' postings XXXX in excess of {$100000.00}. I have requested an explanation and corrected loan statement many times without one being furnished. Bank of America latest loan servicer - XXXX XXXX XXXX now say that the information is not available. Bank of America is still using the amounts that they can not substantiate as the amount due on the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 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:
I was trying to open a bank account at Bank of American but the banker told me that I ca n't open bank account at Bank of American because they said I abuse an account that I had. At that moment I was confuse because I have never open account at Bank of American before I was a victim of identity theft before I had fraud on my credit report. So I had to go to my local police station to file a police report that day so I need this bank to do a investigation on who open this account without my authority Bank of American told me I can never open a bank account never in life because of this situation.

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 2015-07-25 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent XXXX to someone with XXXX in XXXX, XXXX last XXXX XXXX, 2015 though my bank. It was international money transfer. I came to know that i sent it to him by my mistake. I had called XXXX several times to send it back to my account but they kept telling me to talk with him for his approval but i dont know him. I dont have or dont know his phone number. His bank told me to send an email to them what my problem was. so i emailed to them several times and they ignored me for a long time. I was angry. When i called the bank, i needed my money back asap and they said they cant do anything because they said i am not a XXXX customer and i must speak to the receiver. I was stuck and told his friends to communicate with him for me. He was so angry because he was not allowed to give me his phone number then he decided to close his account after he told his bank to transfer my money back. His friend notified me that my money was on way to my account but the fund was never wired for XXXX months!!! I even stopped by my bank about that many times so my bank contacted their wiring dept to request what happened to my fund and where it was. They found that my fund IS STILL AT XXXX ACCOUNT. My bank from XXXX different locations requested it to XXXX to wire it back to my account several times but XXXX refused to do it for no reason. Why?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 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: MA

Complaint narrative:
I am seeking the legal dates of first delinquency on my former XXXX XXXX, now Navient, loans. Navient 's website, my recollection, the Navient phone reps, and my credit reports all disagree. Despite emails to Navient and phone calls and multiple requests to speak with a supervisor, I am given multi-levels of conflicting and inaccurate information. I believe that Navient has purposefully misstated the original delinquency dates in it 's records/credit reports to manipulate me into paying the debts. I am currently paying their collection agency, but some Navient representatives say they do not even have access to the name of the collection agency, that the Navient website no longer works, that the Navient website does n't get updated anymore, that the Navient website is not updated for people in collections, and that the website works fine and there is no reason for someone to have told me that. No one seems to be able to access my records other than to give me inaccurate delinquency dates. I am trying to obtain a legal document in writing detailing my dates of delinquency for each loan. I have tried to reach someone to explain why I think that they have the dates wrong, and to discuss searching for the correct ones, but I have been unable to reach anyone who can help at Navient. Furthermore, I was told repeatedly that I could not speak with a supervisor. Eventually, after arguing my case for getting a supervisor on the phone for an hour, I was transferred to someone 's voicemail that was so garbled, I did not even understand the name of the recipient. I left a detailed message asking for a call back and have not received XXXX. Therefore, I am concerned that said document may be inaccurate anyway and would prefer to discuss live in addition to receiving a written letter ( not an email ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX/XXXX/13, without my authorization, Bank of America withdrew {$29000.00} from my personal account to charge off my company credit card ( XXXX - Bank of America ). My corporation had a separate bank account and a Business card account with Bank of America not linked with my personal account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened up a XXXX " Outdoor Rewards '' Master Card. I did not get a " XXXX '' statement. The XXXX statement I received said that I missed the XXXX payment and I was being assessed a {$25.00} late fee plus {$7.00} in interest. I called the customer service number and " XXXX '' said that she could not help me and take the late fee off due to my accnt. being delinquent. So, according to them, it is my fault that I did not make the XXXX payment ( even though there is no way I could have not having received a first statement ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation