vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I underwent an XXXX, prior to XXXX. This was paid to XXXX XXXX XXXX. Due to overpayment, I received to checks from XXXX XXXX. However, they continued to send statements. I do not understand why I would received overpayment checks if money was owed to them. In addition, I attempted to pay online, and there is no balance owing. I received letter from EOS CCA collection office on XXXX/XXXX/2016. Here is copy of my letter to them. I also have submitted check to them, dated XXXX/XXXX/2016. 

EOS CCA XXXX. XXXX XXXX XXXX, MA XXXX To whom it may concern : I am writing this letter and submitting check to you under duress. This ongoing dispute with XXXX XXXX is way beyond a joke. Why am I submitting check? I am disgusted with their inability to operate their financial system, and then to pass account to collection agency. 

This copay was submitted online. I then received XXXX checks from XXXX XXXX re overpayment ; now there 's a thing. Unfortunately, I did not document, as I did not have a crystal ball, and did not realize I would have to deal with people that should not be in finance positions. I continued Type to enter text to receive letters re the amount of {$46.00}. 

My wife contacted XXXX XXXX and advised them of this, per last statement XXXX ; payment was due XXXX. Unfortunately, she did not request name of XXXX XXXX representative. My wife advised lady that she would immediately make another payment online. Guess what? No balance due!!!! Go figure. She attempted several times with, I may add, the correct information ... No balance due!!!! No balance due!!!! I certainly could not understand this. It probably was due to the fact that NO BALANCE DUE!!!!! Surprise, surprise, I received a collection notice. Of course, I am incensed at the stupidity of all concerned. 

My wife contacted XXXX XXXX AGAIN yesterday, XXXX XXXX. She spoke in depth with XXXX from billing department. Conclusion? XXXX suggested calling another number, as she could not provide any pertinent information ... .or she knew nothing. To say my wife was frustrated is an understatement. 

On to your letter, which states one can pay online. Guess what? You have a technical issue and would not allow online payment ... I have never in my life been so utterly frustrated and angry and shall be forwarding this letter to FTC with official complaint. Let 's face it, why on earth would XXXX XXXX send me XXXX overpayment checks, yet not apply to what they say was owed to them? To reiterate, I am paying this check to stop everyone harassing me. Crazy is not the word!!!! This is wrong, wrong, wrong, wrong!!!!!!! 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 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:
From XXXX or so of XX/XX/XXXX I had noticed on my XXXX XXXX XXXX bill that there were XXXX to XXXX extra lines added. I called and was put in touch with the Fraud department through XXXX XXXX XXXX. It was investigated and the lines were fraudulently added out of Louisiana. All charges erased/cleared. 
I receive calls and letters from ( XXXX ) XXXX XXXX XXXX about {$2200.00} being owed. I explain and they still say I owe this money. Then after another notice from ( XXXX ) XXXX they try and collect this same amount, I explain once again. Then I call XXXX back, they inform me once again I do not owe anything to them and to file a complaint with the FTC, in which I did in XX/XX/XXXX. Ref # XXXX I did not hear anything back untila notice from ( AFNI ) on XX/XX/XXXX trying collect his same amount from XXXX XXXX XXXX XXXX. I called AFNI myself and explained the dispute and the history of this ( mystery ) debt and that I had filed a complaint with the FTC on this and was doing so again today XX/XX/XXXX They transferred me to a XXXX XXXX who would work my dispute at # XXXX. In which I called and left a message concerning this FRAUD. 
I called the FTC today and they transferred me here to file this complaint. 
I am at my whits end dealing with the threats of collection, threats of damaging my outstanding credit on something that is not so, according to my carrier XXXX XXXX XXXX of whom I have been with for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: LA

Complaint narrative:
Continue to call my home phone I have no debt. Phone # that comes up is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. Auto Credit Corporation
State: FL

Complaint narrative:
I had an accident on XX/XX/XXXX, the car was total, it was a XXXX car accident so the person that caused the accident insurance paid my lien older, they said my car was an older year car so I guess they did n't pay out much to my car lien holder ... my car was an XXXX my lien holder was US auto credit, they have put this on my credit as a repo which is making it hard for me to get a next vehicle, we called them to ask if you got payed from the insurance company, ( XXXX ) why did you put this on my credit ... they said the payout they got from XXXX company was not enough, now US auto credit put this on my credit as a repo and every 2 months they add more money to the account. First off I was it from behind the accident was not caused by me, the person insurance ( XXXX ) even sold the car to copart a place that buys accident vehicles so the can sell to the auction, I contacted XXXX who told me who to talk to at XXXX company, and that 's how I found out the payed my lien holder.but now US auto credit is asking me to pay them as if from I have the car in XX/XX/XXXX I only paid them 2 months, I have paid them up until XX/XX/XXXX, I had the accident XX/XX/XXXX ... please please please I need your help I have XXXX kids that I am having problems taking to school and picking up back because I also have to go to work, I just need some help please, because they put this as a repo I ca n't get a vehicle it 's so hard ... please and thanks for your time and help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
Business and Professional Services is reporting a debt in collections to the credit bureaus. This debt was discovered during a review of credit reports in XXXX. They were written and asked for full validation under the Fair Debt Collection Practices Act. They refused saying the request was " untimely ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST
State: CO

Complaint narrative:
I applied for a job through a company that was false. The job was set up for me to work at home and they would mail me funds. I contacted the XXXX Attorney in Colorado and found out after I had cashed the check that these are false businesses made to get you to spend your money on their businesses. My bank charged me a {$15.00} fee even though I went to them on Monday after I had deposited the check on Saturday and they still charged me the fees even though I explained that this was a fraudulent business. Then they bounced a check and charged me XXXX because I was short about {$6.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Oracle Financial Group LLC.
State: FL

Complaint narrative:
This company has called myself and family members several times stating that I owe a debt with them and if I do not pay immediately they will send a courier with court documents. When I ask for the original loan info they begin getting angry and say that they do not have to give me that and they are going to sue me. I told the caller I will not make any payments without proof of the original debt and I did not know what this was for. The caller then proceeded to tell and use profanity and call me a liar and i will go to jail. My family members have also been contacted by these people with similar interactions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XXXX previous occasions such as this, XXXX XXXX has configured software logic into their banking system designed to force me into penalties and interest charges on a 0 % credit card offer by not allowing me to make a transfer or even pay my balance due. After many conversations over the phone I am told that a checking account balance must be resolved before this account may be brought current. These XXXX have nothing to do with XXXX another and should be considered fraudulent behavior by the CFPB.

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 2016-07-12 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: R.A.Rogers, Inc.
State: AZ

Complaint narrative:
XXXX XXXX threatened he would seize food stamps that me and my sons receive to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Oracle Financial Group LLC.
State: GA

Complaint narrative:
This XXXX XXXX lady calls EVERYDAY from a new # claiming that I have a fraud case against me and that there are criminal charges pending ... These people are a complete joke ... When you google the number of any legit business an actual website comes up. Meanwhile when you google these numbers all these comments come up ... 

These people are absolutely ridiculous. When you can send me something in writing maybe just maybe I will call you back. I know my rights and threatening people for a supposed debt is absolutely and completely illegal. But NICE TRY THOUGH ... Guess ill be blocking this number too! 

Below are the list of other # 's she calls XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Everytime they are forced to remove the debt due to satute of limitations the keep reposting it. XXXX who is the originator of the debt charged it off and released me from the debt and a year later LVNV XXXX started trying to collect. My income is judgement proof by federal law They need to stop trying to collect an old debt out of the statute of limitation and forever remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 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: The Affiliated Group, Inc
State: OH

Complaint narrative:
I closed an account with XXXX XXXX of Ohio on XXXX XXXX XXXX, when I sold a house. I disputed the final gas bill and on XXXX XXXX XXXX received a final bill for {$39.00} which I paid on XXXX XXXX XXXX. On XXXX XXXX XXXX I received a notice from XXXX Special Accounts Department ( XXXX ) notifying me that the previously disputed {$26.00} was owed. I contacted that office and informed them that I had received and paid a final bill totaling {$39.00} and after speaking with a supervisor XXXX agreed the notice was in error. Today XXXX XXXX XXXX I received via XXXX mail, a notice from Affiliated Credit Services stating my previous account with XXXX XXXX was in collections and that I owed {$26.00} on the account. The notice stated I was to contact XXXX XXXX at XXXX to arrange payment. I called XXXX Special Accounts Department immediately to find out why this had happened. This department claimed they had no record of any contact with me prior to today. I 'm unsure if the notice from Affiliated Credit Service is legit or not. If it is legit then it seems apparent to me that XXXX left hand does not know what it 's right hand is doing. I have had no luck in dealing with XXXX XXXX even after paying their final bill in full. Perhaps you folks can get to the bottom of this. I can only imagine what this must be like for some elderly person to go through all this harassment.

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 2015-08-04 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I contacted XXXX XXXX XXXX to get a written statement of debt so I could pay it off. The debt was a result of a real estate short sale in XX/XX/XXXX. The HUD agreement was {$5000.00} to include an initial payment of {$2000.00} at closing from the bank and I would make 71 payments of {$49.00}. 
Resurgent Mortgage sold their debt to XXXX XXXX XXXX in XX/XX/XXXX. At this time, it seems they failed to include important information regarding their agreement with me and the terms of the settlement. 
I contacted XXXX XX/XX/XXXX. My intention was to pay off the debt. According to my calculations, I should only owe around {$1000.00}. 
I was told that I owed over {$17000.00}. I explained the situation, even sending them the original Settlement statement and 2 years of bank statements showing payment history. 
For the last 3 months I have been calling and attempting to get a settlement statement. I talk to someone different each time and they assure me that I will receive the amount in 5 days. The last call was made on XXXX XXXX, XXXX and the CS agent told me my balance was {$960.00}. 
Today is XXXX XXXX which is 9 business days from the last request. The " new '' person I talked to began with the same amount due of {$17000.00}. When he finally looked at the note from XXXX/XXXX/XXXX, he told me that nothing had been done around my request for a settlement statement. At that point, I asked to be transferred to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
In XXXX of XXXX my son found a house he wanted to purchase so we began the process of getting qualified since I was to be a co-signer I also had to qualify..the process took until XXXX of XXXX and we closed the loan on the XXXX of XXXX at the title company where we gave the money down and signed docs..On the XXXX of XXXX Nations Direct Mortgage came back and said oh the pest control report which included a schedule XXXX needed to be fixed prior to loan being funded..Why after they had the pest control report in their possession for 2 months did they come back 9 days after loan close to state this needed to be done..in addition they informed XXXX XXXX mortgage that if the pest control company could take the schedule XXXX off the report or change it to a XXXX then they could fund the loan..I have this email..The items that needed to be completed would cost the seller XXXX dollars plus which she of course refused to pay and she also had signed docs. So our money sits at the title company and we have to go through the process again which affects our credit since our credit will have to be checked again by a new lender plus the time and trouble we will have to go through getting the required information that a new lender might want. In addition we were never notified by the lender Nations Direct and or XXXX XXXX mortgage that we would be responsible for paying rate lock fees but we were indeed billed for approximately XXXX locks which amounted to over XXXX dollars..this is ridiculous..another issue was that XXXX mortgage shared income tax information with XXXX real estate agents of which I have the emails. I have already made this complaint to FHA and I was directed here..This was a horrible expierence for both my son and myself but especially for him as he is 1st time home owner..I hope the preverbial buck stops here..and that something can be done about this travesty

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 2016-10-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: CA

Complaint narrative:
First National Bank had a summer promotion that included a {$150.00} bonus when qualifying terms were met. On XXXX/XXXX/16, I opened up a checking account with them, with the intention of fulfilling the terms, collecting the bonus, and utilizing the checking account services. To my surprise, First National Bank contacted me and told me that this bonus offer would not be honored, my opening deposit was refunded, and my account was closed because I was not in their " Service Area ''. Unfortunately, this information was not presented at the time of the disclosure of the bonus and was nowhere to be found on their website. Although disappointed, I decided to move on. I received a second call back a couple days later, informing me that because the terms did not state " service area '' that they would be honoring the bonus. Although they did not redeposit my initial depsoit, they informed me that If i were to ACH deposit another {$1500.00} ( to meet the terms of the bonus ), I would, receive the bonus as stated in the terms and conditions of this offer. Unforunately, I have not yet received this bonus, and attempts to contact First National Bank have been unsuccessful. I feel that my treatment by this bank, the information presented, and the back and forth of opening/closing this account has been unprofessional and unsettling. In addition, the terms of the bonus were met and have not been honored.

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 2017-02-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX XXXX Client was approved for {$4400.00} in XXXX funds. {$1700.00} of the approved amount was applied to the Client 's delinquent property charges and {$2600.00} was set aside for anticipated tax and/or insurance payments. In XXXX XXXX Client received her XXXX property tax bill in the amount of {$1000.00}. On XXXX XXXX, XXXX we called Financial Freedom and confirmed that {$530.00} of XXXX funds remained in Client 's escrow set-aside. During the call Financial Freedom directed us to submit a written request so that the set-aside amount can be applied towards Client 's property taxes. A written request was submitted to FF that same day. On XXXX XXXX, XXXX we called Financial Freedom to find out a status of the property tax payment - FF advised that the set-aside balance was applied to Client 's reverse mortgage loan balance. Financial Freedom acknowledged that it received Client 's written request to apply the set aside funds towards her property taxes BEFORE Financial Freedom applied the funds towards Client 's loan balance. Financial Freedom 's explanation for applying the funds to the loan balance, rather than the property taxes, is that Financial Freedom is not allowed to hold the set aside for more than one year and that any XXXX funds held in the set aside for more than one year must be applied to the borrower 's loan balance. This statement/reasoning directly conflicts with the XXXX approval letter which specifically states that " the funds for the anticipated property taxes and insurance cost will be held in a set/aside escrow account by your servicer/lender for the express purpose of paying taxes and insurance until the funds are depleted ''. 

Moreover XXXX funds are a loan and the client has to give a mortgage. Client is not receiving the benefit of the loan. Applying the funds that the client is entitled to use towards her proeprty taxes and insurance towards client 's loan balance does not benefit the client in any way and the client may be at risk of defaulting on the reverse mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
Ive attempted to use my credit card ending in XXXX with Continental Finance, however, charges are declined recently and in the past when there is more then enough available credit. This is a fairly new card, I suspect the rep ( s ) I spoke to activate did not in fact activate the card. Its also possible they will not activate card due to a payment being due, I had a previous experience in attempting to order a new card, reps would not order due to a payment being due. I need card activated and or ab ability to make purchases

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 2016-11-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: NE

Complaint narrative:
Hello, I am writing in regards to a civil judgment from a company called Gurstel Chargo. They are a bad debt buyer and purchased a debt from a charged off account with XXXX XXXX Bank. I owed just over {$1000.00} and went to court to dispute it due to the hardship it would cause, but the deadline had passed and I lost, so my checks have been garnished for the past 9 months. I calculated the amount owed compared to the amt taken from my paystubs and I show that it should be paid in full. Yesterday, I received a letter stating that a company called XXXX XXXX was going to start garnishing me for the exact same account. I had only XXXX XXXX XXXX Bank account. I sent an email to Gurstel Chargo 's attorney and requested the balance and the amount owed and explained that XXXX XXXX was trying to garnish me again for the entire amount, ( which I know has been paid in full ). They will not respond to me. I checked my annual credit reports and sure enough, it shows the XXXX XXXX account was sold to another party and then sold again. I have paid this is full yet am being charged again for the entire amount I just paid off. What can I do?

Company response to consumer: Closed with explanation