vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Received invitation from my bank XXXX XXXX to sign up for airport XXXX XXXX as a XXXX XXXX cardholder benefit. The letter I received stated that I and a guest would enjoy XXXX complimentary visits before being charged. My wife and I used the XXXX visits on a trip to XXXX XXXX in XXXX 2016 but XXXX charged me {$54.00} for the second visit. Despite several attempts to get XXXX to refund the charge, they refuse, claiming that I was only entitled to XXXX " passes '' There is no mention of a " pass '' or " passes '' in the letter -- only XXXX complimentary visits for both me and a guest. The outbound flight was XXXX visit and the returning flight was the second. I believe that the language is clear but If there is any ambiguity, it should be interpreted against the drafter, in this case XXXX XXXX. This was misrepresentation and I want the charge removed from my credit card 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 monetary relief
Consumer complaint received 2015-04-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC.
State: MD

Complaint narrative:
I XXXX XXXX XXXX state for the record that I am being discriminated against by the mortgage servicer of my mortgage Central Mortgage Company, whereas they have refused to acknowledge a full modification package submitted through a third party XXXX XXXX, XXXX. I have been harassed with threatening calls during the modification process directly from the mortgage servicer. No communication has been extended to any additional documentation necessary to complete my modification. I simply request a restart of the 120 day timeline where Central Mortgage Company must cease and desist on sending any threatening notices while the modification is being completed. The Fair Debt Collection Practices Act has been amended to give consumers rights during a modification process. My rights are being violated. I am a veteran XXXX. I demand a full review of my rights violations by Central Mortgage Company immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I refinanced my home with The XXXX XXXX Bank in XXXX in XXXX 2016. XXXX sent a cashiers check to LVNV Funding / Resurgent Capital Services to payoff a judgement filed against my deceased husband that became a real estate lien due to non-payment. After many telephone calls by myself and my banker, we received a letter dated XXXX XXXX, 2016 stating that the lien had been satisfied and the release of judgment will be filed. No such release has been received by XXXX XXXX as of this date. I feel that this release should have been taken care of many months ago. I am sure that my bank would have taken care of this in a matter of days, not over 6 months.The bank 's attorney sent a letter to LVNV / Resurgent Capital Services on XXXX XXXX, 2016 with no response. Your assistance in this matter will be appreciated. I wish all financial institutions treated customers as XXXX and XXXX XXXX XXXX Bank in Staunton does. They do it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 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: ME

Complaint narrative:
The IRS reported my info hacked in XXXX. 
I looked at my credit report on XXXX and saw a collection notice for a XXXX account I never had. I disputed it and it was removed. 
Now I have received a letter and phone calls from this outfit Afni, Inc. of XXXX, IL. Evidently this is the standard operation from the number of complaints I quickly found.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: LPSG
State: VA

Complaint narrative:
This company called me and told me that i had a XXXX XXXX from XXXX bank that i never owned. They also told me that they would sue me and garnish my paycheck if i did not pay this debt back immediately. When i told them that i did not have a XXXX XXXX they told me that the debt was all the way back from 2012 and that i was no longer allowed to dispute the debt. they then had me set up a payment plan. I asked them to please send me a letter in they mail and a gentleman named XXXX XXXX kept saying that he personally sent it out but i have n't gotten it yet. They have only sent me emails with a non existent letter head with out an address. The email doesnt come from an email address that you can return mail from. I think that this is a scam and they scammed me out of a lot of money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Other financial service — Refund anticipation check
Issue: Lost or stolen check — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Reference Case # XXXX The XXXX money orders that were trace by XXXX XXXX were not added to the total amount paid. I sent documentation to this office and to Regions when i returned the {$30.00} check they sent me because the owe me $ XXXX. I know this office received my corresponding as well as Region. I did n't know how to add on the the case so I am submitting it this way. I need my money or the accounts forced open. In either case someone need to contact me. The list of money orders they applied neither is for {$75.00} or {$30.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03 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: MD

Complaint narrative:
A XXXX cell phone debt that was sold to AFNI, and previously discharged in my bankruptcy, ( both XXXX and AFNI received notices ) is reappearing as a recent XXXX 2015 .collection by AFNI

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Early warning is reporting inaccurate information to banks that is preventing me from opening a checking account. I have tried to dispute this inaccurate reporting and have not receive any type of correspondence from EWS. This information is from XXXX fraudulently and vindictively closing my account. EWS has now participated along with sun trust Bank by damaging my banking history, causing me embarrassment, and causing me to now have pay extra money to cash my checks, get money, or pay wire fees because I can not open an account. EWS fail to investigate the validity of XXXX reporting the false and defaming information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
We obtained mortage from Bank of the West on a business property that my wife uses as her business in XXXX of 2013. We have paid as agreed, however my wife has been XXXX, and can no longer conduct her business. We have decided we need to sell the property, but the bank will of course accelerate the loan and will trigger the due on sale clause. At this stage they also want to charge me a prepayment penalty. We can not afford to sell the building and pay approx {$18000.00} in a prepayment penalty. Kind of like a Catch 22 situation. 
We would like the bank to take these other factors into account. 

WE HAVE PAID FAITHFULLY AND UP UNTIL THIS POINT I HAVE TOLD ANYONE WHO WILL LISTEN THAT I THOUGHT THE BANK WAS GREAT TO DO BUSINESS WITH. I BELIEVE I AM RESPONSIBLE FOR AT LEAST XXXX OTHER PARTIES USING THEIR SERVICES. 
I WOULD LIKE TO REMAIN ON A GOOD FOOTING WITH THEM, AS I HAVE OTHER BUSINESS WITH THEM. HOWEVER I FEEL THE ENFORCING BOTH THE DUE ON SALE AND THE PREPAYMENT PENALTY IS WRONG.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: ID

Complaint narrative:
This is an addendum to case # XXXX As previosly stated XXXX promised to manually remove and close account from their system. On XXXX XXXX, 2015 I received a collection letter from a company called " afni '' located in XXXX, Illinois requesting payment. So XXXX account was forwarded afterall.I demand monetary relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF THE WEST
State: OK

Complaint narrative:
In XX/XX/XXXX, I went to the Bank of the West XXXX to secure a business loan for opening a new private practice. Although my practice was already open and I had some money XXXX, the bank said it was n't enough and needed personal collateral to secure the loan. This was an interest only loan, and a revolving account attached to my employee LLC ID and not my SS #. After a couple of years I started paying back more than just interest. In XX/XX/XXXX I got a job offer with the government that was too good to be true, so I closed my practice and moved. I also closed the bank account that had autodebit for payment on this loan and contacted XXXX XXXX on several occassions to get the auto debit linked to another account. He never returned my calls and they continued trying to pull money from a closed account for the next 90 days which caused additional fees for overdrafts, past due payments, and credit problems. I started paying them by check because they would not allow me to pay more than the interest if I set up autodebit again. Over the last two years, I have paid about {$50000.00} on the {$77000.00} balance. The property tied to this loan is worth {$99000.00} according to XXXX XXXX tax dept. I called the other day to see if the revolving account could still be used because I no longer had checks to that account. They asked how much I had in mind. I said around {$12000.00}. XXXX XXXX and someone named XXXX said they would check. XXXX called me back and said that because I did n't pay any principle on the loan in the beginning, I no longer had the revolving status and they were not willing to work with me. Today, I received documents in the mail stating that they had pulled my credit report ( WITHOUT MY PERMISSION ) and said my credit score was too low according to XXXX. This is rediculous because I 'm currently XXXX getting a home loan and if they would have asked for a personal credit report I would have told them NO because that could mess up my credit rating. I called XXXX. He said he had notes from XXXX saying I wanted to apply for a new loan of {$12000.00} and that is why they pulled my credit report. I told him I did n't care what the notes said I NEVER gave anyone permission to pull that report nor did I apply for a loan. I already had a loan. I merely inquired as to whether I could still use it as a revolving account since they still had a lein on my property. In addition, I asked him when they changed the terms of the original loan agreement because I was n't informed of those changes and XXXX could not answer me. These practices should be illegal. I have had nothing but problems from this bank and I wish for you to investigate their practices. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I wrote XXXX checks from my credit union checking account to deposit into my Regions Checking account. Both checks cleared my credit union account with the amount deducted the next business day. Regions has almost XXXX week later now held these funds for fraud monitoring till next month even though they have received these funds. They claim a confidential source has indicated that the checks may not clear. They have also retroactively returned ACH payments from different merchants and banks well after they were approved. I contacted the local branch in my city who said that only the branch where the account was opened, which is out of state, could assist. Regions has received an almost {$20000.00} interest free loan from me, is holding our money without any ability to access it, creating return check fees to our credit card and auto loan institutions and damaging our internal ratings, and insulted us with a claim of confidential information of non-payment. This claim is patently false as the account the check is drawn from is my own and my credit union has already sent them the funds. I believe this claim is used as an unsubstantiated excuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank, I am submitting a claim on my credit card because I have been scammed. 
I was lead to believe they were going to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get a business started, etc. They have pulled funds from my account using the following information : XXXX/XXXX/2016 XXXX XXXX XXXX {$6000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$5000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$6000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$3000.00} XXXX/XXXX/2016 XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$5000.00} Please reverse these charges as I do not except these charges. Please help me.

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 2016-01-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: IL

Complaint narrative:
AFNI keeps calling my personal cell phone, has called my GRANDMOTHER 'S house ( XXXX ) XXXX, and has now called me at WORK ( XXXX ) XXXX. I am not dealing with this anymore. I know I am in debt ; they do n't have to keep calling everywhere and embarrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
Basically, what strikes me funny, is how I was disruptive at the XXXX XXXX, MI branch. All I did was deposit {$100.00} and then when they advised me that they would not refund the overdraft fees, I basically told them that when I find a better bank, I would switch over. I now found a better bank. I want evidence produced which backs up Old National 's claims that I was disruptive. I was never asked to leave, I did my business and was gone no more than 10 minutes. I do n't see how that 's being " disruptive. '' Being disruptive is when I would not allow other clients to the window or create a public disturbance, when I did not do that. Furthermore, there were n't even any other clients in the banking center when I went in there. Advise Old National to be careful about slander and libel. If they maintain that I was disturbing and threatening, I will contact my attorney and look into filing a slander or libel suit. I would suggest dropping that claim that I was disruptive, unless they have a recording or physical evidence that I was disruptive at that particular banking center.

Company response to consumer: Closed
Consumer complaint received 2015-09-16 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: TX

Complaint narrative:
I never had a XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX I made a overnite deposit due to the ATM at the XXXX GA location being down. On XXXX I called XXXX to find out why it did not post. I talked to XXXX who refunded the NSF and put a total block on card for overdrafts. He said that if no funds are in the account no transactions will go through. XXXX at XXXX location XXXX who said that they do n't make deposits from the overnite deposit box on weekends. ON XXXX, charges from XXXX as a trial period ended went through. On XXXX I talked to XXXX at the call center who said that a partial block was on and any recurring charges will post to avoid embarrassment. She proceeded to put a total block on the card for overdrafts and sent me a claim form since I was not told about the reoccurring charges. After I sent the form in they sent me a letter and said that there was no error for the $ XXXX {$36.00} nsf charges.

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 2016-09-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I have been a longtime customer at bank of the West. I recently received a letter regarding a new {$10000.00} credit card I had been approved for, which was followed by the actual card. I had never applied for a credit card so I contacted the bank. I explained to them I had never applied for a credit card and wanted this closed and an explanation on how this could have occurred. I was told that there was an application and I requested a copy be provided for my review. The call agent closed the account ( which I verified the next day ) and said a copy of the application would be sent to me. 

After a week passed and several confusing calls from the bank, I did contact an employee today who explained that the application was received over the phone and that I would not be receiving a copy of it. I stated that I still wanted an explanation of how this could have happened. After a few minutes the agent asked if I had ever spoken to XXXX at the XXXX XXXX, which I stated no I had not. The agent explained they would have to contact a supervisor and get back to me. 

With the situation at XXXX XXXX and the risk of identity theft, I am concerned that either I am victim of identity theft or Bank of the West has the same issue as XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: MO

Complaint narrative:
My husband and I are in the middle of hopefully closing on a home through Mortgage Solutions of Colorado , Llc. This process has been the most emotional and XXXX experience of our lives. The company started out on the wrong foot by waiting until two days before closing to look at our file, then sent us through hoops to prove things like a debit card reissuance in XXXX or proof of XXXX in XXXX. The company even went so far as to say we needed adoption papers for my husband 's name change when he was adopted at age XXXX. They claimed our marriage was not filed with the state even though we provided the marriage license to them. Every time they asked for something new, we gave it back to them immediately or the next morning. Those things would have been minor had they all been sent in the beginning. However, we are now XXXX days past our original closing date, and the company refuses to issue us the final closing papers due to a spelling error for which they have an amendment and a copy of the title of the home verifying the correct spelling of the home 's address. Not to mention the fact that when the loan estimates and closing disclosures were issued we specifically asked if the misspelling would cause a delay, but we were assured it would not. The company has deliberately been delaying our closing in the hopes that we will or the seller will back out of the deal. Honestly, I feel like our XXXX names have been the cause, and I plan to bring attention to this type of practice.

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 2016-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
PennyMac has consistently mishandled my mortgage servicing since assigned to them by XXXX XXXX XXXX. The closing documents show a monthly payment of XXXX. In XXXX they sent me several notices requesting a payment of XXXX by XXXX XXXX for my first payment. XXXX calls were made to them to correct it and each time they said it was their mistake, stated it was corrected and they would send me a new statement. Each time the new statement showed the incorrect amount. Mind you this is my first payment after closing. Finally that issue was corrected, and I mad a payment that was posted to them from XXXX on XXXX XXXX 2016. Today XXXX XXXX I get a statement in the mail stating that they never received my payment even though I called and verified with them that they had. So they are threatening my credit with their incompetence and I guess I will have to hire a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 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 received a letter stating I owe consumers almost XXXX for a light bill I never got or received in my name. It was over 10 years ago and at that time I was a child and really need to resolve this issue so I can prepare for my new living situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation