vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XXXX XXXX XXXX I contacted an ad on XXXX for a XXXX XXXX pickup truck. I left a message and XXXX XXXX XXXX XXXX called me back. He said he was a sales manager for XXXX XXXX XXXX in XXXX Kansas. He gave me all the info I asked for along with a copy of the title, video of truck running and specific pictures I had asked for. We negotiated and agreed on a price. They offered a shipping company who worked for them to deliver the vehicle to me within 72 hours after payment was received. On the XXXX we agreed on {$15000.00} plus shipping. At that time he wanted my drivers license in order to process the state paper work and to title the vehicle. He then emailed me a buyers order and all the account information to wire the money to their bank. On XXXX XXXX I went to our Huntington Bank and wired {$15000.00} to his XXXX account. After that he contacted me to tell me he received the money and that they were loading the vehicle on the truck and the truck driver would be contacting me. That evening the truck driver did contact me and said he would be here early afternoon on Monday XXXX XXXX. He would call when he was close. When I never got a call on Monday afternoon I began calling them and and never received any calls back. I started XXXX and realized it was a scam. They are still running XXXX other antique cars on other websites including the same truck I already was scammed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
In XXXX 2014 I purchased a new XXXX from a local dealership in XXXX. My downpayment in cash was over 50 % of the total vehicle cost and the dealership financed the balance over 3 years with Huntington National Bank with whom I had never previously done business. My credit rating is very high and I provided proof of more-than-adequate private insurance coverage on the new vehicle. Since I wished to pay off the loan earlier than 3 years I would often send 2 or 3 payments in one check with the accompanying tear-off coupons from the book sent me by Huntington. The final coupon instructed me to call for a pay-off amount, which I did. Since the pay-off amount quoted was somewhat higher than I expected since I had paid off the loan 11 months early, I queried this. I stated that I had never been mailed any sort of statement by Huntington as to how my payments had been applied, how they arrived at the pay-off amount, etc. I was told that the pay-off quoted included a {$40.00} insurance premium for what turned out to be a forced insurance situation that would have covered Huntington had my insurance been cancelled during the life of the loan ( it had not and remains in full force and effect ) or if my car had been totaled ( and presumably Huntington would not get sufficient settlement to pay off the loan balance ) - the car has never been in an accident. I contended I should not be forced to pay this but paid 'under protest ' and then filed a complaint with the OCC , having first tried to resolve the issue over the phone with Huntington 's corporate office - to no avail. Filing the OCC complaint got me a brief phone call from the same corporate woman I had already spoken with previously and a follow-up letter enclosing certain copies - one of which purported to be the print-out of all the payments I had made through the 2 years 1 month. However, the print-out not only only covered the last 11 months of the loan ( the first 13 months were missing ) but it merely showed the monthly amount reflected on each coupon and the date each payment was due - not, as had actually happened, the actual amounts of the various checks I had sent to Huntington. I would be very glad to hear from all Huntington auto loan customers who have experienced the same issue as I always believe there is strength in numbers. Not only that but, quite by chance, a car salesman at the dealership where I had purchased the vehicle told me ( when I called to complain to them, too, about this matter ) that he had been charged at point of pay-off on his car loan and that he had complained and ultimately ( after 5 or 6 months ) Huntington had sent him a refund check in the mail for a little more than the amount he complained he had overpaid. Of course, it might be that since he worked for a car dealership that hawks Huntington auto loans, whereas I do not, that he got preferential treatment - I dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 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: CA

Complaint narrative:
I paid the remaining balance that I owed on the subscription XX/XX/2014. I have not recieved any services from XXXX since XX/XX/2014. Why open a collection two years later? This is now the second time this company is harassing me for money that I have already paid to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Unauthorized inquiry and/or unknown company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I filed a dispute due to a charge on my Huntington Bank Credit Card that was not mine at the end of XXXX 2016. I have provided them with all the information needed to start my case and received a case number # XXXX. The case manager has tried to contact me by phone and left voicemail messages. When I return the call, I am routed from one agent to the next and have to provide all the details of the case over and over again and still am not able to speak to the case manager. It is clear I will not be able to resolve the dispute without speaking to the case manager, but the agents will not get her on the line for me when I call in or give me her name so that I can request to be transferred to her. This constant run around makes me think they are waiting for me to give up and boot me out of the system as an unresolved dispute since the amount was under {$100.00}. Please let me know if you can help. I can not be the only one frustrated with this lack of communication within the same " dispute resolution department ''. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Fairway Capital Recovery, LLC
State: IL

Complaint narrative:
FAURWAY KEEPS CALLING IN VIOLATION OF T.C.P.A. SEVERAL NUMBERS CONTACTED SINCE XXXX LIKE : ( XXXX ) XXXX, ( XXXX ) XXXX & XXXX, ( XXXX XXXX & XXXX, ( XXXX ) XXXX AND ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I called Nissan XXXX to make payment I requested automatic payment they told me there setting up automatic payment they did n't set up automatic payment instead they put XXXX late fees on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION

Complaint narrative:
I am XXXX XXXX - filing this complaint for my XXXX, XXXX XXXX. She appears to have been involved in some predatory banking with Santander Bank, N.A., XXXX. She is currently XXXX years old, was given a line of credit of {$100000.00} in XXXX on a home that was not worth that much, but my main concern is that she only had {$630.00} coming in via SSI with no other means of repayment. I do not think she understood that this had to be paid back, possibly she thought it was a " reverse mortgage ''. Plus already had a line of credit from XX/XX/XXXX with her Mother who has been deceased since XX/XX/XXXX in the amount of {$10000.00}. She has given my sister and I power of attorney so we can assist with this matter. My grandparents built this home in XX/XX/XXXX and had it paid off XX/XX/XXXX. I do not understand how she qualified for these monies. Now the bank wants us to put the property up for sale before they will foreclose. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CT XXXX Cell XXXX Work XXXX

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 2015-09-15 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc
State: FL

Complaint narrative:
Not 100 % sure if they are a legit Collection agency, but harassed me on the phone about paying back a cash advance that I owed in 2010, which I never took out,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that they have on file that was used to verify the verizon accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' For some reason, Experian thinks sending me a letter stative " it 's been verified '', is proof of verification which it clearly is not. Please resolve this manner as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Please be advised that we have a short sale file opened with Wells Fargo Bank. WE have cleared all liens, and our buyer is going to walk if we do not get approval. The seller started the process long ago, and Wells continuous delays will cost them another buyer. WE have filed complaints with the senator, congressman, XXXX XXXX HUD 's contract and need additional assistance. The offer supports the best offer in the current economy. This is an FHA loan that will require mold treatment and a loss to the XXXX government and tax payers if the home is conveyed to HUD with a substantial loss to the XXXX government and tax payers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This would also relate to cfpb case numbers : XXXX & XXXX, filed against XXXX. 
On XXXX/XXXX/XXXX, I contacted " XXXXXXXXXXXX '' to notify them that my mortgage account being serviced by XXXX XXXX XXXX, XXXX was paid in full on XXXX/XXXX/XXXX by wire transfer, with such enclosed documentation so that my credit report could be updated and consequently improved. However, XXXX XXXX 's email response on XX/XX/XXXX was that I needed to initiate a dispute, which was effectively immediately done through their very restrictive website prohibiting ways to adequately formulate the nature of the complaint. Today, through EXPERIAN 'S report number XXXX, dated XX/XX/XXXX, it refutes my claim that the mortgage loan which XXXX had been servicing has indeed been paid. In fact my newest credit report dated XX/XX/XXXX, my order number : XXXX, shows the real estate accounts with Experian ; XXXX and XXXX remain at {$170000.00}. And to make matters even worse, the report also indicates that my credit scores with Experian and XXXX have been lowered to XXXX from a high of XXXX most recently, and probably XXXX will soon do the same. 
This is vexing and extremely humiliating since I have gone to extraodinary lenghts to pay off the mortgage loan to XXXX for an overall sum of {$170000.00} on XXXX/XXXX/XXXX, plus additional closing cost of {$16000.00} and an addtional remittance of {$2900.00} for taxes for which an escrow account already existed with XXXX. The closing could not be effectuated if I had not disbursed that sum of money for real estate taxes. In total, in order to safeguard a good credit report, I sold my house for {$180000.00} on XXXX/XXXX/XXXX and which I paid for on XX/XX/XXXX in the amount of {$230000.00}. But the damages to my credit report continues because, Experian will not amend the report to show full payment of the loan and on top of it, the newest report shows payment latenesses on XX/XX/XXXX and XX/XX/XXXX, when XXXX was informed that the loan was due to be paid in full in XX/XX/XXXX and for which it provided a PayOff Quote Valid Through XXXX/XXXX/XXXX for {$170000.00} but which it ultimately increased to {$170000.00}. EXPERIAN is acting in bad faith and does not show any concern for the right of the consumer who attempts, even through incredible financial losses, to maintain an honnest and credible financial status. When the financial mortgage sector had collapsed in XX/XX/XXXX, I could have foreclosed on that loan but decided against it, despite numerous legal advice, in order to preclude such a negative notation in my overall credit bureaus rating. But instead, the response is absolute contempts by the credit bureaus. I demand that these wrongdoings by Experian and the other credit bureaus be immediately corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Inaccurate info such as home loansinaccurate loan and information on credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX County Special - XXXX XXXX County Special - XXXX XXXX County Special - XXXX

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 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian refuses to delete a paid judgment. I sent them the document stating that the judgment has been satisfied, and according to NYS 5 year rule, it should be off my report. Experian told CFPB, that the judgment is not on my report, but that is a LIE, it is still on there and still marked as unpaid. This is my second complaint to CFPB, if Experian does not remove this judgment I have no choice but to sue. The judgment is paid, I sent them the paper that shows it is paid, I called the court, the court says it is paid, it has been 5 years I an a New York State resident, why is this still on my report? If Experian actually investigated they would know that the judgment is paid they obviously did not investigate anything. 
XXXX Experian Identification number {$14.00}, XXXX civil claim judgment XXXX XXXX XXXX. 
Date filed XXXX, 2011.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RMB, Inc.
State: AL

Complaint narrative:
RMB Inc has posted an account on my credit report in the amount of {$5400.00}. I was covered under Alabama XXXX XXXX at the time of the service due to pregnancy. I believe that RMB should be pursuing Alabama XXXX instead of me for payment of this bill. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please help me, I have disputed previously a couple things with Experian, provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.

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 2016-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian put a " Security Alert '' on my account due to incorrect and false information they received from XXXX. XXXX purposely and maliciously assigned a non existant address to me. I have been fighting with XXXX for over a month about this and now they have reported the incorrect details to Experian and to XXXX. This matter needs to be solved and the false address completely removed from my account info ( on all three agencies ). XXXX XXXX does not exist. I live on XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a few XXXX credit card account 's with my wife, however, there is an individual past due XXXX account listed on my credit report, as an individual account. I have never had an individual account with XXXX. I have asked for copies of documents, to no avail. This is not my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegment was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX Court, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are multiple incorrect addresses on my credit reports ( for example - Experian has XXXX social security numbers that are not mine, and a host of addresses that are not mine. ) I have disputed with all three credit reporting agencies. They will also not let me dispute them any more even with proof of my current address and social security card!!!!!!! The only correct addresses are XXXX XXXX XXXX and XXXX XXXX The rest are inaccurate and reporting as such. I have asked for ways they have verified this information, and received nothing other than they investigated and found the addresses to be accurate. I just want the inaccurate socials and addresses removed!!!!

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