BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-06
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Bank of the XXXX branch has been my bank for 27 years. Several years ago the present Manager and assistant told me I should have a Gold Line attached to my checking account because I was paying excessive overdraft feets that compiled even though the deposit to cover them was entered the same day. They placed the fees XXXX then registered the deposits. 
This has been the same only worse with the Gold Line because they can randomly choose an amount to transfer to cover an overdraft. Anywhere from {$50.00} up and then charge a loan fee of 19.9 % which is very very high. 
I asked the Manager XXXX in XXXX of 2015 if there was n't a different option and I was given the brush off and told no. 
The amounts of loaned money has grown to over {$900.00} and they keep " randomly adding money to my checking and building the loan amount. 
I know that many of the transfered money from the Gold line was unnecessary and that deposits were always made to cover my payments from the checking. 
There have been times when I know that the funds were available to cover a check but the bank used " timing '' in order to increase my Gold line balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: BANK OF THE WEST
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We started XXXX loan applications together with Bank of the West. BofW told us the loans would be handled as a package and they required that the loans all close together. In fact XXXX of the loans was for our primary residence which required a 72hr rescission/hold so the funds for the other XXXX loans were not available. The loan process was extended multiple times due to XXXX appraisal and other 3rd party delays, yet BofW at XXXX point decided to charge us roughly {$1500.00} in rate extension fees, but only on XXXX loan. The delays were compounded by poor communication and organization on the part of BofW and yet we paid the cost, in our opinion.

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 2015-12-10
Company: Nationwide Biweekly Administration, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When we bought our home, we received a letter from National Biweekly Administration promising that if we let them service us, we will be able to pay off our 30 year mortgage in 20 years. We decided to accept their offer. Now a year and a half later we received a letter saying that they can no longer hold up to their side of the deal. We had already paid all the necessary fees for their services, and each month, they charge us a fee for their services. We tried to contact them, but can not get through their phone system. They just simply tell us to call back later and hang up on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello, I have contacted AFNI ( collection company to validate a debt that is not mine, I sent this letter via certified mail in which they returned a bill from XXXX XXXX under the name XXXX XXXX, XXXX is my middle name but this debt is not mine. I requested AFNI to validate is information in which they refuse. I have disputed the information with all XXXX of the credit company 's in return they said debt has been validated. I never signed up for any XXXX account and I am being refused validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bait and switch by Regions bank to sign up for a new bank account. 
In XXXX 2015, I signed up for a public offer through XXXX - {$300.00} offered as a sign up bonus for a new bank account after ( 1 ) opening a XXXX checking account, ( 2 ) making XXXX purchases with the check card and ( 3 ) {$500.00} or more in direct deposit. Offer states that once criteria is met, " get a {$300.00} credit to your regions account within 120 days. '' Upon signing up for the public offer, I received a welcome phone call from a customer service representative who informed me that I successfully signed up for the {$300.00} offer as defined by the public offer. He stated that I would receive the {$300.00} bonus as long as all of the criteria was met within the defined time frame ( 60 days ). 
I met the above defined criteria within 45 days of opening the accounting. However, I did not receive my bonus within 120 days or anytime thereafter. I emailed Regions in XXXX, XXXX and XXXX to inquire as why I had not received the bonus. Each time they stated that I needed to wait longer and that the bonus should be credited to my account if I met the defined criteria. Finally, in late XXXX, my case was escalated to a customer service agent who investigated the issues. She returned with the response that I did not enter in the offer code and she put the burden of proof on me. However, the offer that I signed up for was a public offer, through a link on XXXX. I provided ( 1 ) the public offer link, ( 2 ) a screen shot of the public offer as defined when I signed up and ( 3 ) the public offer code ( non-unique ) that I entered when I signed up for the bank account - XXXX. Further, I was able to show that I signed up for the bank account with the intention to obtain the {$300.00} bonus by my activity within the account - I met the defined criteria within 45 days as evidenced by my bank account history information. 
Unfortunately, Regions informed me that I did not enter in the public offer code XXXX when signing up for the account and therefore was ineligible for the {$300.00} offer. However, as stated above, I ( 1 ) received a phone call from regions at account inception confirming that I entered the code, ( 2 ) was able to provide a screen shot of the offer when I signed up for the account - public offer, and ( 3 ) I was able to provide the exact code that I entered when signing up for the account - non-unique code of XXXX. 
I am very disappointed in this situation and feel that I was both wronged and defrauded by Regions bank. I met all defined criteria of a public offer and Regions did not come through on their end. Bait and switch tactics by the marketing department to increase the customer base within Florida.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I have been receiving the following email for several months about XXXX a week from Regions Bank. 
I Do Not Have an Account or have I ever had an Account with Regions Bank. I have emailed them numerous times and called numerous times and still I am being Harassed by them. 
Copy of email : Regions Bank XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX at XXXX XXXX To XXXXXXXXXXXX This message contains blocked images. 
Show Images Change this setting Message body Important Account Notice Available For Review Regions Bank logo divider Account Ending in XXXX This email has been sent to notify you of an overdraft on your account. To view the detailed notice, please visit our website and log in to Regions Online Banking. Select the account ending in the last XXXX digits provided above and click on the link for the overdraft located in the transaction history. 
Because we value your time, we are emailing this information to ensure you are notified as soon as possible. 
Regions marketing ad These notices are provided as a feature of your Online Statements enrollment. If you would not like to receive these notifications, you may unenroll for Online Statements. This will result in your monthly statement and any future overdraft notice being mailed to the address on file for your account. 
Do n't forget to keep your email address current. If you would like to change the email address to which this notification is sent, please select " Edit '' under the desired account on the Online Statements page. 
Should you need help with your online banking service, please call us at XXXX XXXX XXXX XXXX. 
Sincerely, Regions Online Banking divider Service email This is a service email from Regions Bank. Please note that you may receive service emails periodically, whether or not you have elected to receive promotional emails. 
Contacting Us Please do not reply to this email. If you have a question about your account, please log in to Regions Online Banking and send a secure message. Or, you may call us at XXXXREGIONS XXXX. 
Privacy and Security Regions values your privacy and security. To read our privacy and security policies please visit our website. 
Regions Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX 2016 Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX | XXXXREGIONS

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 2016-05-25
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a son who is XXXX years old living in XXXX. He uses my address even though I have asked him not to many times. He grew up in the house that I live in. He is financially irresponsible and I have no idea what debts he has but debt collectors are always trying to contact me. I am XXXX years old, have impeccable credit and own my own home ... I have no debt except a mortgage. I have XXXX rental properties on my property so several names are associated with my address. I have been receiving calls from a company called EOSCCA at a number using XXXX. Not only have I been receiving calls ... which are usually made during the day and I do n't pick up and they leave no messages ... .but they are also calling people that are my tenants and asking for my son by name. I have called EOSCCA and they are smug and unhelpful. They are obviously using tactics to get phone numbers that are not even associated with my son or his debt ( whatever that may be ). I would like to file a formal complaint against them and a demand that they stop calling me or anyone else associated with my address. I feel like I have to move away from my home to get this to stop happening. Please help and let me know what to do. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: REGIONS FINANCIAL CORPORATION
State: NH
Product: Credit card
Issue: Late fee

Complaint:
invoices arrive the day before the due date. I pay the invoices the day they arrive in the mail. My account is charged a {$75.00} Late because payment is n't received on time. Because its impossible to meet the terms of the card. There is no doubt in my mind they delay sending my invoices to intentionally collect the late fees. This card is a scam. 
I tried paying my latest invoice over the internet but surprisingly the feature on the account never works. This card is a scam and this company is making an exorbitant amount of money on late fees that cant be helped by the consumer. I want all my records deleted from their company and will seek damages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I subscribed to the XXXX based credit monitoring system Credit Check Total. When I logged in today to check my credit report my score had dropped by XXXX points. I investigated further to see that a collection had been added to my credit report illegally. I am unaware of this account and I was not notified by mail or phone concerning this alleged debt. Because I was not sent a dunning letter I was not able to exercise my right to dispute this alleged debt. This company has completely violated my rights under the law. Additionally, the account is listed as closed. Why is this illegal account on my credit reports. I would like it removed illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
NOTICE OF FILING CERTIFIED FRAUD EXAMINER AFFIDAVIT NOTICES IS GIVEN That XXXX XXXX XXXX, debtor hereby files a certified Fraud examiner Affidavit, with the propose to clarify Objection to Confirmation of Plan and Standing of creditors One West Bank Mortgage Servicing, a division of CIT Bank XXXX. 
FOR HIS CONCLUSION : One West Bank FSB does not have standing to foreclose on the subject property as it is not the holder in due course of the subject loan. According to PSA which created the trust which currently owns the loan, the only possible holder in due course is XXXX XXXX XXXX XXXX XXXX as trustee for the IndyMac XXXX XXXX. However, XXXX and IndyMac Bank, FSB violated their own securitization trust documents. Therefore, XXXX lost its interest in the subject property and its right to foreclose by violating its own PSA, giving both the homeowner and the REMIC investors a cause of action for fraud. 
I 'm victim of Robo Signer and all the proof are on this Certified Fraud Examiner Affidavit attach. 
THEREFORE, I respectfully request that this Honorable Court take this Notice in Consideration. 
I HEREBY CERTIFY That a true and correct copy of the foregoing has been furnished by U.S MAIL to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX FL XXXX and to XXXX XXXX Trustee XXXX XXXX XXXX at XXXX BOX XXXX, XXXX XXXX, Florida XXXX this XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection agency is re-aging old debt and reporting incorrect date of first delinquency. 
I am XXXX and this inaccuracy is causing unnecessary stress. I have disputed with all XXXX Collection Agencies, FCO continues to verify thier information as correct.

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 2021-03-15
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a summons from a law firm today claiming to represent Crown Asset Management. 

I did not receive a debt validation notice. 

If I had, this matter would have been paid in full. 

I have been on hold with this law office for over an hour and no one will answer the phone. 

How can I pay a debt if no one will take my payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX approved a short sale on our home in XXXX of 2011. XXXX of the conditions of the approval was that we sign a promissory note for {$5000.00} to be paid in installments of {$83.00} per month. XXXX was to send a coupon book to make such payments and never did so. I inquired by phone several times and XXXX could find no record of this transaction or the note. The next year after no reminder, bill from them, or anything, they reported as written off as bad dept on our credit report. We served our time with bad credit for that, as well as the shortsale itself. Now 5 years later, we are divorced, credit has improved greatly, they turn over to real time solutions for collection. They contact ONLY my ex husband, not me, and hit my credit for 90 days past due. There were forwarding addresses for both us registered with the post office. My ex husband has negotiated with real time to reduce this amount to {$1500.00}. He wants me to pay half to him. I feel XXXX XXXX XXXX is at fault here as they never sent the method of payment that they promised. Never a reminder or bill, as if it did n't exist. No record of it when I called to inquire. How do I know if this real time is a bogus outfit or not. It has been a long time ago. Is there no statute of limitations? I am attaching the documents provided to me from my now, ex husband. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have no received any information about this account. I have tried disputing and reaching out to the company online but get response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
this is the same complaint ive been complaining about and since my wages will be garnished I will have to file Chapter XXXX ... in XXXX a XXXX dollar line of credit with XXXX then sold to XXXX XXXX went into default due to a termination of my job thru no fault of my own ... I told my boss about my XXXX and he began taking work away from me and giving it to less skilled workers ... with that XXXX and this issue is adding unneccesary stress in my life ... at that time of turmoil with no money and house payments and truck payments and pets and other bills and food XXXX XXXX reps were calling me harassing me telling me the sheriff will be at my house soon to take my house and that i will go to jail ... they called me at off hours and i was an emotional wreck and they didnt help ... .I didnt find substantial employment until XXXX and i had to pay family friends and other things back ... so in XXXX lvnv on behalf of XXXX XXXX has the courts issue me a summons ... XXXX XXXX was bought out by XXXX in XXXX of XXXX so why is a bottom feeder who buys debts for pennies on a dollar representing XXXX XXXX sueing me when they dont even own the debt? i answered the summons i got in XXXX pro se which i have a right to do and requesated proof of debt, ownership of debt and how much the debt was actually bought for ... I hear nothing back so i figured the issue was mute. I got another XXXX in XXXX and believed it to be a scam from lvnv funding to get money from me so I ignored it. then i get a court ordered wage garnishment. I responded to the courts and explained that i thought it was a scam and again requested proof and also to vacate the judgement as it would incure an financila hardship. I heard nothing back from the courts. I contacted the nys attorney generals office, the garnishment from XXXX stopped. Then they started again last XXXX. Then they stopped and now theyre starting again. The original amount was XXXX dollars, now its well over XXXX. The account went into default in XXXX that would make it past the statute of limitations. I am not going to pay them this amount of money especially when they bought the debt for less than XXXX. I will file chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX, I was in an accident with grandmother, who was driving. The police and ambulance were called, and my grandmother was transported to the hospital in an ambulance, while I road to the hospital in the car of a relative who arrived on the scene. However, for the last 4 years I have had an item on my credit report from Arbor Professional Solutions for {$500.00} due to me being billed for riding in the ambulance with my grandmother. I never rode in the ambulance, which is what the {$500.00} bill is for. I most recently contacted the billing company XXXX XXXX XXXX XXXX in XX/XX/XXXX, and was told to contact my grandmother 's auto-insurance company to pay the bill, despite me not receiving the services for which the bill is for. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband ( BORROWER ) of a XXXX loan now deceased. I, the Non-Borrowing Spouse while in the mist of complying with ML XXXX learned TODAY XXXX/XXXX/2015 that the program as been rescinded. Ironically, today XXXX/XXXX/2015 was my deadline given to submit monies to comply with HUD 's Principal Limit Test. I called in this morning to get how to submit instructions and/or extension request. I was told that the program had be scraped by HUD and the server was not going to honor or offer the program to me. Devastating news to me for I stood ready to fulfill the outstanding requirements. So XXXX now I feel victimized of my rights as a XXXX, let alone the devastation of losing my husband I have to add these additional disappointments and agony. ML XXXX was rescinded with XXXX. This complaint goes out to HUD for their indecisiveness and wearing XXXX faces. HUD created the problem I am now faced with ( foreclosure ) while insisting that the lender proceed in foreclosing and creating my displacement all to satisfy the conditions for paying insurance claims. These foreclosures are illegal under federal law and I PROTEST. HUD need to be held accountable because I was removed from title to my home at the onset of the XXXX now I 'm being punished. I am being VICTIMIZED!!! Please advise!!!!.

Company response to consumer: Closed with explanation