vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have a bank account with BoA where I have been a account holder for over 16 years, I have my mortgage and direct deposit with them. I requested overdraft protection with them on my regular checking to be funded by my direct deposit account, instead it was setup backwards, now I am not sure how it occurred but the bottom line is I have over a {$100000.00} dollars in cash and bills flowing through them every year. I guess I am so small that they need to charge me for fees that I should not have been charged for and then can easily tell me no we will not help you. I called on XXXX/XXXX/2016 to their help line and was told no we can not help you. I am going to begin to move my funds away from them ASAP but just wanted to file a formal complaint on a company that does not care about it 's customers. I know they see all of the cash flowing through my accounts and could have easily refunded the small {$35.00} fee. I know if XXXX folks ask for {$35.00} it 's XXXX but I am sure it is still a small amount compared to the XXXX they make and the salary of their CEO.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Consumer Loan — Title loan
Issue: Applied for loan/did not receive money — 
Company: HUNTINGTON NATIONAL BANK, THE
State: VA

Complaint narrative:
XXXX XXXX XXXX poses as a lender who lend money to XXXX like myself. 
I poses as a lender for XXXX branch in XXXX Ohio. I wired to him {$1600.00} as fees and can not deliver. I told him today is a do or do n't. If he can not deliver refund me the money or I will get proper authority involved. He wrote me to say this : " Have you enrolled for anti money laundering program. If not then you have to get it done before funds will reflect in your account. I can help you with that. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Coastal Financial Solutions, LLC
State: IL

Complaint narrative:
The debt collector contacted Me via Cell Phone XXXX XXXX. At this time she told me I had a Debt of $ XXXX and needed to resolve this before she sent me to jail for writing a false check. Understanding that I do owe the debt, we worked out a payment arrangement. After a 30 minute discussion about my bills and what I could afford, she came up with a schedule, and amount of payments to be made ( Monthly Payments, XXXX at {$60.00} Each and XXXX for {$25.00} Each totaling {$220.00} payments for 6 months ) and she would eliminate the debt completely. After satisfying all payments, The last of which was in XXXX, I assumed the debt was settled. She then started calling me XX/XX/XXXX saying we need to set up a payment agreement to finish of the rest of the loan amount, and that we had never agreed to what i had already paid. After multiple harrassing phone calls in the very early morning and late evening, I called and left a voicemail. I told her specifically that i could not afford to continue paying anymore and that I could afford to pay off whatever we could agree on in XXXX When i get a little extra pay. XXXX XXXX She called my wife 5 times asking for me. After my wife answered she explained to the lady that this is unacceptable behavior and asked what this was about. The lady rudely said that her supervisor took the account from her a week ago, that he had taken it to their attorney 's office, Issued a warrant for my arrest, and i was to be served with papers the following business day. I Immediately received a frantic call at work from my wife telling me what was happening, and called her back. This time her story changed. They had n't Issued a warrant yet, and she could stop the process if i set up a payment agreement. So i set up a payment agreement, and intent to fulfill it. She asked me the payment dates, and i gave her specific instructions to deduct our agreed XXXX {$100.00} payments on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. After our conversation she said she would send me an email containing the payments, and that if i did not complete it asap, the warrant would still be issued and i would be arrested. The form she sent me has different dates on it Payment # 1 XXXX/XXXX/XXXX for {$100.00} & Payment # 2 XXXX/XXXX/XXXX {$100.00}. This is not our agreement and i can not afford to be jailed for a {$600.00} check i never wrote! Any help would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
An ambulance company ( nobody now is clear on whether it was XXXX XXXX in XXXX XXXX, from XXXX ; or XXXX, from XXXX ; anyway ... ) sold a debt to Grant Mercantile Agency ( XXXX XXXX XXXX ; XXXX, CA XXXX ; XXXX ). If in fact I was in an ambulance of theirs for any reason, and that is indeed how they collected my information, the point is, I have had XXXX since XXXX and they would have covered any ambulance pick-up or transport -- THIS IS NOT MY DEBT! I had insurance, they knew it, and I never should have been personally billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 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: VT

Complaint narrative:
I returned the XXXX and everything was in working condition. I starting getting letters in the mail that I owed money for the XXXX. They did n't give a receipt so I had no proof of returning. I had heard from other customers that they were doing the same to them. I think personnel were stealing equipment and the company is unaware and is going after the customer. I refused to pay the amount because I returned the equipment and whatever happened to it after I left is not my responsibilty. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Hello Team, I recently applied for a Huntington bank voice Credit card upon a invitation call from the bank representative in XXXX MI branch. 
After i visited the branch and provided all information she went ahead with processing my application. After sometime she came back to me stating my application is rejected as I am not a US citizen. 

I have many different credit cards and I have been living here since 3 years on a work visa. I have an excellent credit score. 
I want to know : 1 ) Is it legal for banks to reject Credit card application even if the person 's credit score is excellent and has furnished all his documents to bank. 
2 ) The bank should clearly mention it in the invitation and advertisement that credit cards are only for US citizens. 

This has left me with a shock on why my credit card application was rejected due to citizenship even if I am a tax paying, law abiding person legally living and working in US. 
- The bank invited me and processed my application taking my 30 minutes just to answer back that my application is rejected. This is disgusting and very frustrating. 

I want your help for the matter to be investigated and proper justification from bank. 

thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Vital Solutions, Inc.
State: HI

Complaint narrative:
VRS debited checking account without approval and failed to provide a refund of funds illegally debited from bank account. Account Number : XXXX Problem Date : XXXX XXXX 2016 VSR Reps : XXXX and XXXX XXXX Was told to FAX ( XXXX ) XXXX bank statement showing where money was withdrawn. Did so, phoned company to verify receipt. XXXX, told me her XXXX said, money was debited due to online payment. I told her, I never made an online payment for XX/XX/XXXX. She said, she would bring the attention to upper management for their resolution. I said, I was calling my bank to stop payment on the unauthorized payment, then filing a complaint with the XXXX and Federal Trade Commission due to Illegal collection practice

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
this creditor refused to validate this account .This account have been sold to diffrent collection agencies witch I am trying to make sure the information is validate with the proper documentation and also get original contract showing this is my account because I am not aware of this account. This is a collection agencies that I never had a contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Netspend Corporation
State: WA

Complaint narrative:
I got a credit card that i did not solicited for. It is in my name and from netspend. I researched on internet and there are many many complains and some start in 2008. 
This is scam and nobody seems to can stop 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 2015-08-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: RMK Financial Corp
State: CO

Complaint narrative:
constanly receiving harassing phone calls and mailings I have asked to stop several times.

Company response to consumer: Closed
Consumer complaint received 2016-07-06 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 is in response to company 's reply to case number XXXX : We were not advised of ANY of things the company mentioned in their response to my complaint. The company of record which I desired a business line of credit for was Base Operations, an 8 year old company at that time that had XXXX XXXX XXXX as well as XXXX XXXX and XXXX Business credit lines reporting at the time of the request. I was looking for a business line apart from my personal consumer credit profile, not BASED on it. While had expected my company 's credit to be hard pulled and maybe a soft pull on me to verify ownership, I never expected a hard pull on my personal consumer credit report. I strongly recommend reconsideration and respectfully request and update.

Company response to consumer: Closed
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I had an outstanding balance with XXXX XXXX XXXX that I paid XX/XX/2016. In XX/XX/XXXX, a collection agency named SW Credit Systems reported on my credit report with XXXX and XXXX XXXX, that I had a collection account with XXXX XXXX XXXX. At the time, I was under contract to purchase a house, and the appearance of this collection account dropped my scores and prevented me from doing so. I have contacted SW Credit System multiple times informing them that I never received a collection notice prior to this account showing up on my credit report. Furthermore, I have explained that this balance was paid, prior to their agency reporting it. Nevertheless, they have told me numerous times that they refuse to delete this account from my credit report. Meanwhile, its existence continues to prevent me from moving forward with mortgage financing options. Their actions are in direct violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed
Consumer complaint received 2015-11-28 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: LPH, Inc.
State: MT

Complaint narrative:
I CONTACTED UTILITY COMPANIES AND SWITCHED INTO MY NAME. BOTH THE WATER AND POWER COMPANIES ADMITTED THEY ERRED AND DID NOT BILL ME CORRECTLY. I HAVE SINCE PAID IN FULL BOTH ACCOUNTS WHICH I TOLD AND SENT PROOF TO THE CREDITOR AND ORIGINATOR OF THE DEBT. BOTH HAVE IGNORED PROOF THAT ALL DEBT IS PAID. THE CREDITOR CONTINUES TO SEND NOTICE DEMANDING PAYMENT AND CONTINUES TO ADD LATE/FINANCE CHARGES.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I had to open a case with the XXXX Department of Consumer Affairs. When I bought my vehicle, the purchase order said one thing, but when the promissory note arrived from the bank, there was an unnecessary extended warranty included, plus an unnecessary paint treatment. Both of those things added up to approximately {$7000.00} with interest. I asked the dealer to redo the loan, but they didnt. I have an appointment with the Department of Consumer Affairs on XXXX XXXX. Nonetheless, FirstBank has been making constant threats against me. They call me up to four times a day. Theyve visited me four times, threatening to repossess the vehicle : a XXXX Ford F150. I told them that I have an appointment on XXXX XXXX, and that if they want the vehicle before the Department of Consumer Affairs decision is made, they would have to get a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Coastal Financial Solutions, LLC
State: VA

Complaint narrative:
Coastal Financial Solutions continues to call my place of employment after I have told them that I 'm not allowed to receive phone calls at work. They have also not sent any formal written communication regarding this debt. This company will also leave voicemails on my work phone stating my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
on XX/XX/XXXX I had tried to use my Bank Card and my account was overdrawned so upon going to the website looking at my account I noticed that a few unauthorized transactions had been taken out of my account and so when I got off work I called the fraud team at the bank to let them know about these transactions. She informed me that the money had been taken out by my debit card which is hard to believe cause nobody but me has asset to my Bankcard or pin number. On XXXX/XXXX/16 I had XXXX transactions XXXX for XXXX and XXXX for XXXX which I stated to her I know nothing about she said they came from a XXXX Branch , I know nothing about that Branch only been to the XXXX at XXXX XXXX XXXX the only branch I know about in this area, she stated that they would pull the film from the camera to see who was at the branch at the time, I want to see who it was also cause I have XXXX dollars missing from my account. Then on XXXX/XXXX/2016 somebody withdrawn another XXXX. from my account that I know nothing about. So if any kind of investigation was done than you would know that it was n't me and could n't have been my card cause I had my card with me at work on both of these days and I was working on the XXXX XXXX. So now I recieve a letter that the transactions were authorized by me if they were where is my money cause I surely did n't get it? I have no idea where my money went and she want to tell me I authorized these transactions well I do n't even know how the money came out the bank but she says my bank card which is so not true cause my card is in my purse at all times.This is fraud and I turned in a fraud report and I want this fully investigated cause my money is gone and somebody has to account for it. I also had a problem with Huntington that was never solved where XXXX XXXX took funds from my account that was n't supposed to be taken and I gave them the paperwork with no charge on it so surely my XXXX. should have been refunded to me. Now if any film were pulled you did n't see me at the machine cause I do n't even know where that branch is, my money should have been put back in my account. my husband has his own card. He never uses my card and I do n't bother his. So if it 's not me or my husband getting the money out nobody should have it is mine and my husbands account so neither of us got the money where is it I do n't work for the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 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: IL

Complaint narrative:
SOUTHWEST CREDIT KEEPS CALLING MY CELL AND PARENTS PHONE IN VIOLATION TCPA, THESE ARE ROBO CALLS AND HAVE VOICE AND CALLING LOGS ETC.. 7 CALLS IN 3 DAYS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Its been more than 4 years that we have requested unsuccessfully access to the table that the First Bank used to compute the prevailing maximum rate for the conventional mortgage from XX/XX/XXXX to XX/XX/XXXX and also we have send First Bank a certified letter on XX/XX/XXXX describing in details why we are requesting that table. The certified letter was received but until this day has n't been answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Genesis Lending
State: IL

Complaint narrative:
I 'm a former student of XXXX University. I was forced to take out their privatestudent loans referred to as a " XXXX '' loan '' in order to continue my studies. Iwas not aware that I was out of Federal funding. I took out XXXX loan in theamount of XXXX. A few months later I was told I had to take out anotherloan in the amount of XXXX in order to graduate. So in all, a total of XXXXin XXXX separate loans with an interest rate of 6 % on each loan. I 'm currentlyunemployed, and will only pay XXXX a month on XXXX loan. I was also under theimpression that XXXX students were being awarded relief of 40 % on thesefraudulent loans. As of this day, I have not received any decrease in theamount I owe, and I was wanting an explanation as to why. In my opinion, allof these loans need to be forgiven. This school maxed out your Federal fundswithout your knowledge, and then forced you into their XXXX loans to eitherfinish your studies, or graduate. This school is corrupt, they are thieves, andwhat they have done to so many students like myself, is despicable. My nameis XXXX XXXX, I am a part of the original " XXXX XXXX ''. I made a trip toXXXX on XXXX XXXX, and met with the DOE, CFPB, and Dept of Treasury. Ipersonally asked the representative from CFPB why I had n't gotten any reliefon my XXXX loans, and he said it was being sent out in waves. I check myaccount daily and nothing. I also have not received a letter informing me of thestatus of my relief. 
XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
I am attaching additional evidence for Case number : XXXX and Case number : XXXX. I can only create a new complaint as there is a glitch in the system that does not allow me to log in or create or reset the password in order to update or review standing complaints. 

I am attaching evidence from XXXX XXXX to show that they return the LATE payment Firstbank tried to send for my Hazard Insurance. I had already paid XXXX directly because to me Firstbank had already began to steal money from the escrow account so that they can charge me forced place insurance and line their greedy pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 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: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Someone opened a cell account in my name. I disputed it with XXXX and XXXX, while XXXX deleted it because the account is not mine, XXXX did not. The name of the company is RECEIVABLES PERFORMANCEAccount Number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 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: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I received a call from XXXX XXXX XXXX asking if I wanted to switch to Uverse that it was better and that there was no charge or interruption of service. I received a new modem in the mail and after connecting it found out it was defective. I was directed to an XXXX office in XXXX, CA to exchange the Modem. Went to the store and was told that I was given the wrong information and had to send it back ( mail ) to exchange it for a working XXXX which I did. After about 20 days the system was up and running. Got a collection call several months afterword 's, I contacted XXXX XXXX XXXX who told me it was an error and that they would correct it. A year later I am starting to get collection calls and letters trying to collect the same account again. I called XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - would not give his last name ) and basically was told that either they could not find the account or that they could not do anything about the account because they had sold it and that I would have to work it out with the collection company. I had and still have the same service with XXXX XXXX XXXX with no interruptions in service.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation