vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I made settlement with collection agency and paid the agreed amount. The agency after this, reported the XXXX Credit Bureau that I have a balance of the remaining amount. It dropped my score for almost XXXX points. When I called the agency to find out why they did it, they have no valid answer. I requested to speak with the supervisor, but he wo n't talk to me. I am planning to buy home soon, but now due to this I have to wait for months before my score gets up. I am really frustrated and request you guys to ask this collection agency why they did this. The debt is about three years old. They never contacted me. Recently, like they called me a month ago, and I settled the debt. During the last three or more years the agency never reported this debt this to any Credit bureau, but as soon as I settled this this debt they reported to the Credit bureau that this is a collection account. I really do n't understand this. All I can think is sheer negligence, incompetence, and carelessness on the part of the agency

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
The debt was from XXXX XXXX XXXX XXXX XXXX for a modem which I returned to the company in XXXX 2015 ; XXXX issued a receipt to me but did not clear the {$60.00} from their records. The company recorded {$60.00} as a debt and transferred the collection to Credit Control Corporation which has added {$31.00} to the original amount being collected. CCC is now sending me collection letters for {$91.00}. This debt is not only unjustified, it is entirely wrong and has been recorded in my credit report thereby affecting my credit score. Please have it removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I used my debit card to hold a hotel room on Friday XXXX XXXX, 2016. I made the reservation around XXXX and XXXX I called to cancel the reservation because of bad weather. We were on a motorcycle and we had to get off the road due to a tropical storm. I called the hotel and hotel.com to cancel. The attendant at the hotel said to call XXXX and let them know. I confirmed that they canceled my reservation and immediately called XXXX. I got a confirmation number and I thought that was the end of the reservation. They still took the money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: TX

Complaint narrative:
I lost my card ending in XXXX. Western union pp card rep told XXXX I could buy another card at XXXX and attach the card to my XXXX account which has a XXXX monthly fee and overdraft protection. I wanted access tomy account but they said I had to transfer the money and only XXXX a day which I thought was strange since the accounts were to be linked. I then noticed that every time I made a purchase they would charge me XXXX dollar I called back and after being on hold for 45 minutes I was told that my fee plans from the XXXX account was now attached to new card XXXX. I learned the next morning that I was charged another XXXX fee and that I would not be able to access my funds until XXXX XXXX when a replacement card arrives. This is created a hardship for me. If only I was given the correct information then I could have made a more informed choice I feel like western union netspend is taking advantage of me holding my money and XXXX charging me fees. They ensured me the cards linked to my XXXX account and thatmy employer direct deposit would be available on the XXXX card. When I talked to XXXX in escalations she informed me that it was XXXX accounts and all information told to me on the XXXX prior calls was incorrect and all she could do is reprimand the XXXX reps and forward my request to corporate when I said I will file this complaint I am still without access to my money during the holidays when my grandsons are here. I would like my money to be in XXXX and a XXXX fee credit then I will remove my money and seek a more truthful company to handle my money with our hidden and excessive fees and lying customer service representatives and a more caring escalation team providing real customer services keeping the customer satisfaction as a top priority.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: WI

Complaint narrative:
I have been attempting to gather the correct balance of my deficiency balance for the past 6 months. I submitted a validation of debt dispute with Rausch, Sturm, Isreal, Enerson and Hornik LLC on XXXX/XXXX/2015 through email along with certified mail. The balance of XXXX was incorrect. I received a response to my dispute of the debt from this law office on XXXX/XXXX/2015, in which they indicated that they verified the debt. Once I reviewed the documentation that Rausch, Sturm, Israel, Enerson and Hornik provide. I noticed that the sale proceeds from my car was never applied to my account balance. I reviewed the documentation in 5 minutes and it was clear that the proceeds had never been applied. Based upon my dispute this company continued to misrepresent my debt balance. Once the dispute was submitted it was on this company or the company that retained them to review all documentation thoroughly prior to responding to my dispute. In which this company did not. This is a clear violation of the fair debt collection act, due to the misrepresentation of the balance that is owed. Please be advised that this loan was originated through first investors financial corporation. This incorrect balance has also been misrepresented on my XXXX credit report as well. This is an issue that XXXX has been penalized for in the past.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
my payroll check has cleared ( my job 's bank XXXX XXXX XXXX ) but my bank Huntington has my funds on hold it was deposited XXXX/XXXX/16. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: TN

Complaint narrative:
I had an issue with a purchase in XXXX and filed a charge back with my bank in XXXX. The transaction was supposed to be refunded however my prepaid card company kept part of that money {$54.00}. The company in question is netspend

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX changed my bill without authorization, causing me to cancel my service. I canceled as soon as they notified me on XXXX XXXX, 2015 that my bill was going to be {$320.00}, however they took 16 days to process my request for cancellation and proceeded to charge me for those 16 days. Had they processed my cancellation promptly their systems would not have thought I had a pending bill. They then proceeded to put me into collection for {$110.00} that I did not rightfully owe them. I proceeded to pay it to avoid any impact to my credit and I intended to take the issue up with XXXX directly as opposed to the collections agency. The collections account has hit my credit 2 months in a row now, the alleged debt having been paid on XXXX/XXXX/2015, before either derogatory mark was applied, XXXX on XXXX/XXXX/2015 and the other on XXXX/XXXX/2015, to my XXXX report. I would like these removed from my credit history, my credit score recalculated without the derogatory marks, and a written apology from the CEO of XXXX for stealing from me and then ruining my credit even though I paid the amount they were asking for. I lost almost XXXX points from my credit score because of XXXX and Southwest Credit Systems L.P.

Company response to consumer: Closed
Consumer complaint received 2017-01-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2017, I did my banking at the XXXX Huntington Bank of the University of XXXX, at XXXX, my transaction was exactly at XXXX, it consisted of me giving out my name, address, city, state and ID number from one of my debit cards. At XXXX, another debit card of my from a different banking institution was closed out. The bank employees females were XXXX and XXXX. I found out later in the evening from my other banking institution that someone from a bank called and had my account closed. Since XXXX has been working at Huntington Bank she has harassed me and a month ago I had to report her. I know she had something to do with my account being closing she also on several occasions would ask if wanted to deposit my money into my debit account so that she would have access to it. Both of these employees have committed fraud, violated confidentiality laws and violated my FERPA as that this involved my school account at the University of XXXX Huntington Bank in XXXX, both of these employees have been watching me and my accounts for several months. They also did an unauthorized credit check to find out what accounts I had in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
I had an XXXX XX/XX/2015 which should 've been covered by insurance. To date, I have not received a bill from XXXX fire dept or from the collection agency. I have also not received any phone calls. I went to get a car today and there is a collection on all XXXX reports which has dropped my score over XXXX points. The original creditor has not reached out to me neither has the collection agency. Now my credit score has been damaged as a result of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Southwest Credit Systems L.P. a appear on my XXXX credit report, which i have reached out to the company to rectify the problem because i am not and have n't done any business with XXXX for quit sometime. the account in question belong someone from XXXX NJ I was also told the SSN was different.. That 's what i was told when i initiated an investigation. I would for both XXXX and Southwest Credit Systems to stop all collection efforts. and to instruct the credit bureau to delete it from my credit file. Its important to note i have NEVER lived in XXXX NJ. and i was told that the account also had a SSN which was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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: Southwest Credit Systems, L.P.
State: NE

Complaint narrative:
This company has attempted to collect a debt that is not valid. I changed cell services from XXXX to XXXX. The final bill and Early Termination Fees were to be paid by XXXX but this never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MN

Complaint narrative:
Hello, I really was not sure which drop down to select. I have been getting a notice of intent of garnishment from a law firm. The debt is from 2007 and I believe it may be a credit card debt but I am not sure and I not really sure of the cost as it is not listed on the letter that I continue to receive. I am a single father with some major health issues and have had to receive food support from time to to get by. Can this company continue to collect and send me these notice of garnishment from a 2007 case? When I look up the case on public court website it says the debt was paid in 2007 and XXXX is owed. I just dont get it. Can you help me resolve this issue. I have XXXX and things like this does not only put additional stress on me but causes symptoms to react. I really want to know if they can continue to collect on this 2007 case?? I have attached several documents for your review. I have a lot of medical debt and cant afford for my paycheck to be garnished. It would bring great hardship to me. This debt could be from my previous marriage, I am not sure but I do know it is very old. Please review the documents provided. Thank you for your help if you can provide some.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
southwest credit systems L.P. continue trying to collect on a debt that is barred from collecting according to 42 PA C.S. 5525 ( a ) promissory notes and open end accounts is four years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Southwest Credit Systems, L.P.
State: MN

Complaint narrative:
I have gotten XXXX phone calls today from a number that pulls up as Southwest Credit, which is a company that I have contacted recently to cease all communications and record that I dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Netspend Corporation
State: PR

Complaint narrative:
NET SPEND HAD XXXX OPEN ACCOUNTS OF ME. DID NOT NOTIFIED ME AND IT AFFECTED MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint about use of excessive exchange rate for international wire transfer!! 
This is regarding a wire transfer to a ( my ) international ( XXXX ) bank account. In addition to a fee of US {$35.00}, BoA uses an exchange rate US Dollar/XXXX of XXXX, which appears excessive given the actual traded exchange rate of about XXXX. 
Info of wire transfer is as follows : Transfer Date : XX/XX/2015Confirmation number : XXXXOrder number : XXXXFrom : Adv Tiered Interest Chkg - XXXX : XXXX : ( XXXX XXXX XXXX ) Transfer Amount : XXXX XXXX. 

Thank you!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY

Complaint narrative:
We are working with a local Bank here in XXXX, Wyoming to get our Interest Rate lowered and the Bank submitted a Title check of our Loan and found that the previous Mortage Holder of our Loan ( XXXX ) that went Bankrupt during 2008 the loan was acquired by Bank Of America and has us with the Inital Loan not being eliminated.

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 2015-10-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America, has not dealt with our loan modifications in good faith. In the past, they claimed the investor never approved the loan modifications. On XX/XX/XXXX, Bank ofAmerica responded to our complaint, and they claimed I filed for Bankruptcy ( BK ) protection in XX/XX/XXXX. I did not file for BK protection in XX/XX/XXXX. Furthermore, my attorney has researched the federal records & my name does not appear in the federal BK database for this period. In the same letter, they claimed to have granted a loan modification on XX/XX/XXXX, which was not accepted by me. It would have been impossible to accept their offer since we never received their letter with their favorable decision. 
I would have accepted their proposed modification immediately upon delivery. I have invested time and capital to secure a modification, it is not logical to for us to not respond to a favorable offer. At this moment, I request Bank of America to reinstate their offer and mail the notification via certified mail. The foreclosure of our home would have a devastating impact on our extended family. Please treat us fairly and negotiate in good faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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: MS

Complaint narrative:
They not only took loan payments from my mom and only applied them to XXXX loan instead of all the loans that were being covered so that she had to pay higher interest and kept calling and harassing us telling us loans were past due. And my loan went from XXXX to XXXX because of late fees and interest. They would n't let me initially put my loan on forbearance they would n't let me do any repayment plans they told me I was not eligible for any of them. And then I found out that they have sent {$5000.00} to a school I never attended and when I spoke to them about that they told me it was my problem and I had to get the money form the school back. I spoke to that school and received a letter stating that I was never a student there and they return the first XXXX that they sent because the loan was canceled then after all that navient sent them another XXXX even after they were told the loan was cancelled and wo n't tell me who they sent that money to you with any proof of who they sent it to. So what happened to that XXXX navient is trying to force me to pay or they will put me in default and ruin my credit and they have already done damage to my parent 's credit and that is only the tip of the iceberg I do n't even think I can fit everything they 've done to us on this. But then when my mom confronted them they lied to my mom and said I told them to give me the {$5000.00} they accused me of theft and slandered me to my own family I never once told them to do that. And now I received a bill from them stating I owed {$480.00} but my mom got one for the same loan stating she only owed {$280.00} and when I spoke to them on the phone they said only {$210.00} was passed due and would not give me a straight answer they just kept giving me the runaround on why they were different payment amounts this causing undue stress on me and my family causing family problems they are trying to tear my family apart apparently and destroy our credit and our life. I have XXXX different loans from XXXX to which I received private expense loans which I will gladly pay back and have almost completely paid back to the XXXX that I refuse to make payments for money sent to a school that magically disappeared that I never even attended. I only went to XXXX School the situation is very confusing but as a lending company they should be required to keep their loans straight and separated like they should be XXXX of those XXXX schools I ended up not attending due to financial situations and inability to move out of state.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 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: MD

Complaint narrative:
My wife and I had an overdraft yesterday ( Thursday XX/XX/XXXX ) on a {$30.00} charge which reduced our checking account at Bank of America to - {$10.00}. Money is tight, and because we knew that our paychecks were going in today ( Friday ) my wife deposited {$11.00} to bring the balance ( just barely ) above XXXX. Apparently, after her deposit yesterday afternoon, Bank of America put a check we had written for {$84.00} through and then charged us for XXXX overdrafts ( {$35.00} each ) but claiming on the iPhone app this morning that the {$84.00} check went through first so they could charge us for both ( versus sending the {$84.00} after we had made the deposit bringing the balance over XXXX ). The {$84.00} check had not been processed at the time my wife made the deposit, otherwise {$11.00} could not have raised the balance above XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have several stuent loans through navient, some of my student loans are about 20 years old. Over the past few years I have made several attempts to get into a repayment status I can afford. I was never told about IBR until I researched it online because I could not afford the monthly payment of almost {$800.00} they wanted me to make. Prior to me researching and learning about the IBR I kept putting my accounts in deferrment where they would gain all this intrest. Once I applied for the IBR, Navient would take longer than normal to process the paperwork and still would send out a bill until I called them continusoly to process paperwork. Also my balance is not being reported accurately under my credit report. Also I filed a bankruptcy in 2014 and was advised there was nothing that could be done when later I found out I could have included this in my bankruptcy.

Company response to consumer: Closed with explanation