vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I filed charging complaint against Chase Bank in Texas of XXXX, Extension XXXX that XXXX XXXX and I both unresolved problem XXXX PST, so I was unhappy with Chase Bank that Chase Bank Headquarters refused helped me today through telephone. I felt XXXX XXXX made discriminated against me as he or she told me that Chase Bank Headquarters refused helped me with opening bank account related with debit, checking, and Credit card applications. I can not alone with application for these banking services. I complained with XXXX do not interest in helping me with Chase Bank service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
In checking my credit report I find EOS CCA, XXXX XXXX XXXX, XXXX, XXXX XXXX, claims I owe them a current debt dated XXXX/XXXX/XXXX in the amount of {$460.00}. 

That is impossible. I have not used any credit since XXXX when my XXXX XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt I might owe over 8 years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any of the less than half dozen outstanding debts I might have owed at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC.
State: AL

Complaint narrative:
Afni sent a letter concerning a debt with XXXX XXXX that does not belong to me. I have never been a subscriber to this company. I do n't recognize this debt. This collection company has threatened to take further action without first verifying this debt. I would like them to submit any signed documentation or drivers license that they may have in their files to me to give me as much as I can to press charges against the person ( s ) that this debt belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF THE WEST
State: AR

Complaint narrative:
my car was financed with bank of the west and i totaled my car but i took out gap insurance with the purchase with XXXX., but they want a payment history and bank of the west stated that they would fax to them so that the balance of the loan could be paid off but instead they are sending me a payment history which i already have from the checks that i sent bank of the west they are just trying to delay the process of get the loan paid off.

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 2015-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I currently have XXXX accounts with my local regions bank. The checking account was not overdrawn and the local branch closed my account without notice on XXXX XXXX, 2015. A direct deposit was made to the account on XXXX XXXX, 2015. The account had a positive balance of {$750.00} dollars. When attempting to use or transfer monies between accounts I was notified that the account was closed and that I could n't have access to my funds. 
I spoke to both a customer rep on the phone and the branch and still no resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
I was paying a debt that I owed and entered into a payment arrangement with the collection agency. and when the debt was settled they continued to charge my debit card and collect the arranged amount. after the second time they collected this amount from me I received a letter stating the debt has been satisfied .it was satisfied XX/XX/XXXX but there was an overpayment XX/XX/XXXX and they collected again XX/XX/XXXX .when I received a letter stating they were going to charge my account again XX/XX/XXXX. I called them and it was then she told me they were now collecting for another debt. that I knew nothing about. I have never received notice of this debt. or any statement for this new debt. so I asked for them to refund the money that they took from me but she said they would not refund it even though I disputed the debt. to me this is criminal and should be treated as theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 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: AFNI INC.
State: TX

Complaint narrative:
AFNI has ruined my credit by placing a debt on my credit report which has gone into collections. The original debt was for XXXX XXXX, which I have never owned. The debt on my credit report give as little information as possible except that I owe {$75.00} I called XXXX to confirm the original debt and they could not find any information on me by my personal information. I looked online and AFNI has has a history of listing invalid debts on people 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: TX

Complaint narrative:
I continue to receive phone calls from a company at XXXX. They identify themselves as Acme Debt Collector. They are looking for a person by the name of XXXX. I have explained to them that it is the wrong number. I have asked them to remove me from their calling list, however they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
Today I received a call from EOS-CCA, a collection agency regarding a student loan in my daughter 's name. I am not a party to this transaction. I filed a complaint regarding XXXX XXXX XXXX continued calls ( XXXX calls to me ) after I informed them I am not a party to the transaction and to stop calling me - see complaint # XXXX. 

In XXXX response they stated the turned the transaction/collection back over to the bank, now I am getting calls from this company! 

I told them the same thing, and asked them to stop calling me which they said they would. 

My problem with these tactics is that the bank/lender is shopping this around to new collection agencies and we start anew each time and I get harassed over and over. 

Should the bank be responsible to notify the collection firm that I am NOT the debtor and not to contact me. Likewise, is the bank responsible for my ongoing harassment as they are providing my contact information to these firms and I have NO relationship with this bank. 
SincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regions bank in error ordered checks for my account and then charged my account {$30.00}. This caused a NSF fee on my account. After calling three days I got the {$30.00} fee refund but not the {$36.00} NSF. They also tell me my address is not correct even though I receive statements and mail. I have never moved addresses. I believe regions bank has compromised the security of my account by allowing checks to be ordered on my account without my permission and also for the address on my account to be changed in error and without my authorization.

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 monetary relief
Consumer complaint received 2016-08-02 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: AFNI INC.
State: FL

Complaint narrative:
This is a debt, claim by XXXX XXXX which was suppose to have been sent to my bank as a refund. My Bank, XXXX, claim that they never received such a refund nor was it deposit into my account. Now XXXX is trying to collect money that I never received. I have contacted management at XXXX and they have informed me that they would contact the collection agency and have this collection removed from my credit report. This has not happen as of this date XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Technically this was not identity theft and that is what is the crux of this issue. 

I had this XXXX XXXX account as a starter card to rebuild credit. The max was {$300.00}. In a few months I received a letter asking me if I had moved and gave my " new '' address as in Louisiana Do n't live there, never been there. After working with the credit card company who could see that someone in Louisiana would run it up then " pay '' it off and charge up again before the payment bounced. 

After they investigated, they sent me a letter stating the account was all fraudulent charges and the account was closed. This account was in my previous name, XXXX XXXX XXXX. 

I never heard from them again ; not by phone or email or letter. Suddenly I 'm getting collection letters. XXXX companies tried to collect this " debt '' and instantly gave up when I would sent the letter from XXXX XXXX. This company, however, is not understanding the issue. They are asking for police reports and notarized identity theft papers. This was not identity theft. The letter I sent shows I owe nothing. Their threats in the letter are the usual and just before lodging this complaint I called this collections agency and said I would give them one more chance before I filed a complaint and all I got was attitude and attacks on my credibility. As promised, I am lodging this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This has been reported to credit bureaus, my interest rate on several other cards has been impacted!! Been disputing late fees for over 6 months now, received cryptic/acknowledgement email from Macys but nothing has been done to my account. 

I submitted via email additional information from my bank and sent follow up today since i received another statement with additional late fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-06 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING put collection on my credit for a XXXX account. I had insurance with XXXX. I lost my job and filed a claim with the insurance. The insurance paid it. I sent for validation from LVNV and they just keep ignoring me and not sending anything, yet they continue t report this error on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
This debt needs to be taken off of my credit report and I have requested this multiple times with no success and they wont send me any verification this is my account.

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 2016-02-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
Dear Sirs and Madams Arvest Bank, Arvest mortgage is now saying that there is other funds of {$2000.00} in complaint XXXX as a response. But before they did not mention any of those funds at all from Insurance claim, a Claim of funds in anyway you look at it are funds to be used for the purpose of repairing my Homestead. So I 'm a little confused of you sending me the funds to my name as shown in that case XXXX let me get this straight I 'm behind on monthly mortgage payments and you are so kind to give me a check {$2000.00} ( DOES THAT MAKE ANY SENSE ) I will not commit fraud by me cashing that check as I see those your intentions those funds belong to General contractor and mathematics are {$87000.00} + $ XXXX $ XXXX of course Arvest Bank, Arvest Mortgage do as they wish I guess changing Mathematics as well, I will continue to due the correct and the lawful thing which is put VOID in that check as it does not belong to me. Where ever those funds are at this time your guess is as good as mine but XXXX XXXX does NOT have those checks. In reference General Contractor Contract which you have all XXXX XXXX with my signature with XXXX XXXX with a notary stamp on it. If you did not agree with contract you have you should have gotten a revised Contract from XXXX XXXX. But instead you gave him a check for the amount of {$19000.00} at this time XXXX XXXX XXXX tells me that is a legal binding of Contract with Arvest Bank, Arvest Mortgage, Central Mortgage and myself XXXX XXXX. You have received a 100 % completion of his work by your choice of Inspections and till this date you keep saying that the checks have been distributed but at the end of the day XXXX XXXX has only received {$19000.00} plus {$10000.00}. You can dispute all you want as well as your Mathematics skills. This hole ordeal is making my health to deteriorate getting XXXX not being able to sleep or eat or function. How much can a person take XXXX Get sued by Arvest Mortgage XXXX My father gets diagnosed with XXXX XXXX XXXX I loose my XXXX XXXX XXXX father passes away XXXX XXXX House XXXX down XXXX Negotiating back and fourth with Insurance trying to match General Contractors numbers for 6 months XXXX XXXX attorney gives my rights away in a NON-Jury that I was not aware XXXX XXXX Arvest Bank, Arvest Mortgage, XXXX Bank, XXXX XXXX break in to my Homestead and steal what little I had left XXXX XXXX a LIEN on my home not being able to modify with 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 2016-08-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS is attempting to do fraud on this loan by illegally inflating the value of the property because they did n't like the value they just got back from their own paid for interior bpo. On XXXX/XXXX/XXXX was advised that the lender 's interior value came in around XXXX which was around the amount of my current offer. At that time we countered buyer to highest and best and received an offer meeting the lender 's counter. On XXXX/XXXX/XXXX lender confirmed receipt of docs and stated file was under review. On XXXX/XXXX/XXXX was advised that the file was closed due to requested docs however the file should of not been closed as they gave no time for us to submit the XXXX pieces of paper they were looking for. On XXXX/XXXX/XXXX was advised there was a sale date which is a violation of CA anti dual tracking laws as this file was in a foreclosure alternative program and we were then advised that SLS decided to revise up their value to XXXX. This is completely unethical, illegal, illogical and unacceptable. SLS decided on their own to take an old report and try and selectively pull old data to inflate the property value as is today. The market is contracting, not expanding so any data from a month ago, 2 months ago or 3 months ago is not reflective as to what is happening today. SLS hired a licensed professional to assess the property as of this month and that value came in at XXXX that is the value. SLS needs to CEASE and DESIST from illegally trying to inflate property values which is exactly what happened in XXXX which led to the housing bust.

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 2017-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
i do not know whos debt it is, i have sent resurgence the police report and identity theft afidavit via fax and certified mail to the address given by the agent. and the address on my credit report. i have spoken with the commpany on many occasions about this and they have continued to run me around agents names are XXXX and XXXX, which im sure are fictional names

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02 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: MRS BPO, LLC
State: VA

Complaint narrative:
Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a mortgage with CIT/OneWest Bank. When I applied for the mortgage, they assured me that once the mortgage is in place they provide 24 hour web access to the account. However, within a few weeks of my having received the mortgage, online access was gone. When I try to login I get message " System Error. We 're sorry, but an unexpected system error has occurred. We are unable to process your request. '' This has been the case since XXXX or XXXX 2016. After what probably adds up to hours on hold and with their agents, they finally told me that the error was due to a " system upgrade ''. Since XXXX I have been repeatedly told the problem will be fixed soon. I have been promised a call back from a manager, which never came. When I call about it now they just tell me that it is a known error. There is no sign that this problem will ever be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I purchased furniture with a Fortiva credit account -- that is listed as a credit card -- even though I have never been issued a " credit card. '' My account is posting me 30 days delinquent on payments received within a 30 day time period. I have disputed these items with all XXXX credit bureaus and received a reply from XXXX that account has been updated -- but the only note was to contact creditor. I provided XXXX with my payment history from Fortiva 's website verifying my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I received several calls on XXXX/XXXX/2017 from phone number XXXX and in the messages the individual states they are trying to deliver sealed documents that require my signature. When I called the number back, I spoke with XXXX XXXX. After confirming my name, he proceeded to discuss the debt. He never disclosed that this was an attempt to collect a debt and information would be used for that purpose. Also, when I advised him that I would need to do additional research and get back to them, he proceeded to tell me that he would put it down that I refused to pay. I explained to him that I have not refused to pay and he can not document that inaccurate information. He became belligerent and combative with me, at which time I disconnected the call.

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