vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: AFNI INC.
State: MN

Complaint narrative:
On XXXX/XXXX/2016 I started the process to get a debt from AFNI , Inc validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX. XXXX XXXX XXXX, IL XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 { 15 USC 1962e ], which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. Within the 30 days as allocated by the aforementioned statute. they sent back copies of a phone bill totaling {$890.00}, and a letter stating ways to pay them. NO SIGNATURE ELECTRONIC OR OTHERWISE was contained in the response from AFNI , Inc . Anyone can make a phone bill with enough know how with Photoshop or many other free programs on the internet, I can take the same bill they mailed me and change it in about 5 min to make it look like THEY owe the bill. That to me is NOT validation of a debt, and none of the forms mailed to me contained any signatures of mine electronic or handwritten. They did mark their trade line on my report as " Disputed ''. Already with no proof of MY signature validating the debt, they have already broken Federal law, by not supplying it within 30 days. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, that they have broken Federal law, as good will giving them one last chance to have them to validate the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been one response from this agency. My follow up letter has been ignored, I have all documentation of my attempts of correspondence with AFNI , Inc, and will also be attached with my complaint. This is LEGALLY unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
There is no easy way to talk to someone in regards to phone payment. The IVR System does not allow for direct contact with a customer service agent and forces the XXXX XXXX Payment option on the caller with no discernible way around. This format does not allow a greater payment to be made onto the loan account and does not allow the customer to interact with an agent, should additional questions around payment date application and debit from account dates arise. 

In addition, there is a .5 % discount for auto-payment through a Regions Deposit account, which must be signed on for at the beginning of the life of the loan. As I was signed up for this loan through a dealer and not a Branch, this was not offered to me, creating a .5 % discrepancy in the price of the total loan balance.

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 2016-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: EOS Holdings, Inc.
State: MN

Complaint narrative:
I am receiving harassing, threatening phone calls and phone calls of death threats from representatives from EOS CCA debt collection agency in regards to a debt owed to the original creditor : XXXX XXXX. This debt do not belong to me and is the result of identity theft. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX ... XXXX of XXXX XXXX, XXXX XXXX. Telephone : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify AFNI, INC. XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Nationwide Biweekly Administration, Inc.
State: IL

Complaint narrative:
Nationwide biweekly mortgage reducer ( Interest Minimizer ) mislead me into thinking I would reduce the term of my loan while saving money if I added them as a third party to pay my mortgage payments biweekly. They charged me a " XXXX time '' setup fee of {$590.00} which I would like to be refuded as soon as possible. I was mislead by this unfair company. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
Late Fee & Finance charge on each statement not allowing the account to be paid off with XXXX / XXXX. When calling representative " XXXX '', as well as others give credit of Late Fee after escalated words but new charge is reapplied. Late Fee is accessed even if there is not a balance on the account. Most recent statements have a Late Fee of {$77.00} which accumulates. Told statement is mailed by the XXXX but receive hard copy by the XXXX of the month. When calling the representative will not give you a Supervisor. Company holds payment past due date and mails statement out later than the rep. will state on the phone when speaking with XXXX XXXX. Feels like black mail and sheer embezzlement of funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed Bankruptcy XX/XX/XXXX and did not include in mybankruptcy filing my security interest in XXXX XXXX XXXX AL XXXX as I was not the debtor on this loan. Irecently received notices from Regions Bank that they wereseeking an automatic stay and co-debtor stay on XX/XX/XXXX. Motion was granted and I was ordered to pay attorney feefees in the amount of {$420.00}. I am asking the CFPB tointercede in this request for fees due to the following:1. I was never a co-debtor. I did not sign the promissory note. 
The note was signed by XXXX XXXX XXXX in her name alone. Iam not responsible for this debt and any fees arising fromactions on this debt, the debtor is responsible. 
2. I did sign the mortgage along with my brothers accordingto the requirements of Regulation Z acknowledging myinterest in the security and my right of rescission. 
3. Since I did not sign the promissory note, only XXXX is responsible for all debts arising from thelegal actions pertaining to this loan 's default and Regionsshould pursue her not me for any default/attorney feeson this loan. 
4. I have not assumed or refinanced this loan in my name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My problem began around XXXX when I was looking to purchase a XXXX XXXX XXXX online. I saw one on XXXX. I saw the option of using Bill Me Later to pay. I have used it before always paying on time. I did n't owe them any money. With Bill Me Later I would have the option of delaying payment for up to XXXX months. Around XXXX to early XXXX I decided that I would just pay it off. When I went to the Bill Me Later site it said that it was now PayPal Credit. When I tried to log in I saw my daughters name. 
I thought that somehow they merged our accounts together. I asked my daughter to get in touch with them so that I could pay the bill. Under Bill Me Later I would have untilXXXX to pay. When my daughter finally called PayPal Credit they said that my Social Security number was on her account so I would have to call. 
I called and they said that I owed for the XXXX XXXX plus approx. {$150.00} in late fees. I never received any notice until now. I am still totally confused and not sure what happened. 
I tried to work it out with them but they are not hearing it. My daughters account comes up when I try to log in to pay. 

Fact 1. I tried to pay it off early but Bill Me Later changed to PayPal Credit. When I tried to log in my daughters name came up. 
Fact 2. When my daughter called they said that her account has my SSN so I would have to call. 
Fact 3. PayPal Credit refuses to work with me and just wants {$120.00} in late fees. 
Fact 4. I have a perfect record with Bill Me Later. I did n't owe anything when I purchased the XXXX XXXX XXXX. 

Please help resolve this matter. 
Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-16 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: EOS Holdings, Inc.
State: OH

Complaint narrative:
I have received letters and marks on my credit report for several account in the office of EOS CCA # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , MA XXXX I have requested a proof of claim and validation before any legal actions can be taken. I never received a response back it has been over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
I filed for Chapter XXXX bankruptcy in XXXX XXXX, but I indicated to my lawyer and my car loan company that I intended on continuing to pay on my XXXX XXXX XXXX car loan through Hyundai Motor XXXX. However, once my bankruptcy was filed Hyundai Motor XXXX made it impossible to pay my auto payments online or over the phone. The first payment attempt I realized that they had locked my options on my online access for my loan, so I could not pay on my loan. It listed a XXXX number to call so I attempted to call it to make the payments, but the number would ask for my account # then ask if I had a direct extension number or wait on the line to be connected to representative. However, after it transferred me to another extension it would immediately disconnect the call. I tried numerous different Hyundai Motor Finance numbers, but it would always transfer me to this number if I put in my account #. Finally, I tried a different number without disclosing my account number and I was connected to a representative. I was able to pay my XXXX monthly payment, but the representative I was transferred to indicated that I would not have online ability to pay on my account until I signed an reaffirmation agreement for the loan. The representative indicated that XXXX had been sent to my attorney, and I needed to sign it before they would resume normal payment processing with me. Additionally, she said that this was required by law due to the court stay for the bankruptcy proceedings? Since that time I have been unable to get a representative on the phone and the reaffirmation agreement was never sent to my attorney as they indicated that it would. My attorney has indicated that he has never received any reaffirmation agreement from XXXX, and he disputes that the stay would have required XXXX to lock me out of my online account. The stay ended a few days ago and now I do have access to my online account again, but the payments required and late fees have stacked up making it very difficult to catch the loan account up to date. I believe Hyundai Motor Finances actions were both unethical and dishonest, and quite possibly illegal. I only wanted to maintain my loan with them but I believe they are trying to push me into a repossession situation.

Company response to consumer: Closed
Consumer complaint received 2015-10-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I took out a loan on XX/XX/XXXX, and made the 1st two payments on time. Since then I had to take XXXX Leave from my job to care for my spouse. I am no longer able to afford this loan, since I 'm currently not receiving pay. I have offered the Cash Store amount to settle but the agents are rude, and leave threatening messages on my phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Hyundai Motor Finance was charging late fees and other hidden fees and deducting these amounts from my monthly payments. I was not made aware of these late fees and other hidden charges that is not on the contract that I signed when I brought the car from Hyundai dealership. On XX/XX/XXXX, Hyundai Motor Finance repossession of my vehicle when my loan was not in default. To date, Hyundai Motor Finance took my monthly payments and took the vehicle. 

On XX/XX/XXXX, I was on a confernece call with Hyundai Motor Finance Manager name XXXX and my bank XXXX bank. XXXX confirmed my monthly payments that were sent and accepted by Hyundai Motor Finance. Hyundai Motor finance is stating I never paid them from XXXX XXXX until XXXX XXXX. They took and held my payments just to charge me late fees and other hidden fees. My loan is current and my next payment is not due until XXXX, XXXX. Hyundai Motor Finance is telling me in order to get my car back I must pay the XXXX bill on XXXX XXXX. Hyundai Motor Finance should not have the right to charge late fees and other hidden fees then lie and state that the monthly bill requirement is not being met. 

Also, Hyundai Motor Finance never sent me a notice stating the reason of the late fee and other fees they placed on my account. This company have verify unjust and unfair business practices that allow them to collect money they are not entitled to. 

Hyundai Motor Finance took my car and my money and now I am missing work for three days now.

Company response to consumer: Closed
Consumer complaint received 2016-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Ford Motor Credit ( FMC ) wrote me in response to CFPB complaint XXXX. Their letter states that they have not reported my XXXX payment as late. See where I have highlighted on page XXXX of FMC response " Please know the XXXX 2014 payment was NOT reported as delinquent as the payoff was received before the the payment went 30 days past due ''. 
The XXXX 2014 payment is showing as 30 days late on XXXX, and XXXX. I have attempted to resolve with the credit reporting agencies. Their response is always that FMC has confirmed the information is correct. I have contacted FMC directly and they have stated they will not change anything because it is reported correctly. I even offered to send FMC the letter they wrote. They said this would not help. I have been going back and forth with this for over 8 months to no avail. 

Some XXXX help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I was behind on my loan payments but have brought them up to date. Kia will no longer mail me my bills said something about closing out the account. They still want payment but wo n't send me anything. 
I asked twice for a close out letter so I can refinance with another company. My first request was XX/XX/XXXX they said it would be mailed that day but could take up to 10 days. I called back on XX/XX/XXXX since I did n't receive the letter, confirmed that they had the right mailing address, they did. They told me they sent the letter that day. I asked to send another letter and that was on XX/XX/XXXX, still no letter. Everytime you call Kia you are on hold for at least 40 minutes.

Company response to consumer: Closed
Consumer complaint received 2017-03-13 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: Razor Capital, LLC
State: MI

Complaint narrative:
I moved in XX/XX/XXXX XXXX miss read broken meter. This was disputed and resolved with my credit reports and razor capital. Send them documentation XX/XX/XXXX. Now XXXX is trying to collect with a false statement. ( Bill ) No payment was ever made on this account - no proof of payment has even been made. like I said i did not reside at this address for 5 years. with wahat the payment was made?? proof Check or credit card and the account number that it was paid from? This is a fake bill and they are illegally try to collect on a debt that is no longer even valid by sending a fake bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: The Law Firm of Allan C. Smith
State: VA

Complaint narrative:
I had a credit card with XXXX XXXX XXXX XXXX XXXX which was charged off i have a payment arrangement with XXXX i keep getting letters from XXXX XXXX XXXX XXXX i tried to contact XXXX XXXX XXXX letting them know this is being taking care of by XXXX and XXXX, they still keep sending me letters i even faxed a copy of the letter i reveived from XXXX XXXX XXXX. that did not stop them also, i am fedup with them please help me. attached is a copy of the letter from XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Starting XXXX XXXX, 2016 I started incurring overdraft fees due to insufficient funds available in my checking account. Between the dates of XXXX XXXX and XXXX XXXX, I incurred a total of XXXX overdraft charges at $ XXXX/piece for a total of {$310.00}. My banking institution, Rabobank N.A. was processing transactions even though my checking account was " overdrawn ''. 
Rabobank has taken 2 positions on this 1 : ) They claim I authorized an " opt in '' process that allows the processing of debit transactions regardless of available funds. 2 : ) I previously signed up for " Savings-Checking Overdraft Protection '' where funds are automatically transferred from my savings account to my checking account should the latter have the potential of being overdrawn. 
On XXXX XXXX, 2016 I met with XXXX XXXX, a representative with Rabobank at the XXXX XXXX, CA branch. I asked that she provide me with all the documents I signed or initialed associated with the account ( s ) in question. She could NOT provide me with any documentation where I signed or initialed authorizing Rabobank to process transactions resulting in my account being overdrawn resulting in fees assessed. XXXX XXXX could not provide me documentation where I signed or initialed any kind of " Opt In '' process. In fact, her only response was that " I must have told someone I wanted the " Opt In '' process. '' That is a completely unacceptable answer in my opinion. 
During my visit with XXXX XXXX, I asked that she change the " Opt-in '' process to " Opt-Out '' as I do not want to incur any more overdraft fees and do not have any reservations with debit transactions being denied at the merchant terminal should funds not be available. XXXX XXXX assured me that she did make the appropriate changes as requested. 
On XXXX XXXX, 2016 I incurred another overdraft charge of {$35.00} as a result of the aforementioned " issue ''. The changes I requested were obviously not made. 

At this point I have incurred a total of XXXX overdraft fees at $ XXXX/ea. for a total of {$350.00}. I am requesting that all XXXX of these fees be returned, or credited, to my account as I did not authorize Rabobank to process debit transactions when funds are not available or what they call the " Opt-In '' process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
A lady named XXXX XXXX called from XXXX to my place of work, I called back and she claimed to be from a law firm, collecting for the cash store. when I asked for her mailing address she became irate and said my attorney should contact them. She asked why I wanted the address, I stated that I did n't believe they were a law firm. At that time she yelled " XXXX ''! I hung up. she called back but I did n't answer. she left another insulting message on my voice mail,

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