vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I closed my checking account and two weeks later a debit went through from a company whom I had notified of my new bank account number. Apparently it was n't processed in time enough before the debit hit my bank account. That happened with another company as well. So the bank opened up my account without my permission and let charges go through without notifying me that my account had been reopened by the bank and late charges incurred and also monthly service fee was applied even though I had closed my account. I spoke with them and the balance I now owe is {$160.00} dollars. Unless I pay it all off my account will stay opened and monthly service charge will continue. I should only be liable for the merchant charges. This is illegal for the bank to reopen my account after I closed it. The XXXX charges that came through should have been denied but instead they reopen my account, charge me XXXX overdraft fees and monthly service fee. I owe {$32.00} for XXXX and {$13.00} for XXXX which is what I am willing to pay. 
Thank you and please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank is unlawfully reporting an account on my credit report. I was unlawfully " opted in '' for paying overdrafts when I never consented. I received overdraft fees and they charged me fees on a deposit advance product they had, when they said they would n't.

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 2016-12-28 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:
Every day I receive a call to my home telephone from XXXX. I XXXX this number and got info that the company is AFNI , Inc., a debt collection agency. I believe they may be attempting to collect on an auto accident my ex-husband had several months ago. He was not insured. I believe he gave the insurance company my home number as a contact. He has not lived here in over 5 years. 

I picked up this call today. Nothing but silence for a minute or so until a recorded message came on stating this was an attempt to collect a debt and I should call another telephone number. Then the call was disconnected. I did not write down that number. 

Any help you can provide in getting this company to stop calling my home telephone number ever again is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 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: OR

Complaint narrative:
Someone in Illinos is using my social secuirty number. I sent a questioner to AT & T and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: American Credit Resolution, Incorporated
State: TN

Complaint narrative:
A message was left on my cellphone, my husband 's cellphone, and my work phone by a XXXX informing me that she had legal documents with my name and social security number and that I would be served at my home or job within 2 days if I did not contact them immediately at XXXX and reference case #. At the end of the message she stated " you have been served ''. I called the # and spoke with XXXX XXXX who said if I did n't take care of the debt {$510.00} immediately, I would be sued and would have 25 % of my wages garnished costing me as much as {$3500.00} and advised me that I needed to take care of it by giving him my debit card information to enter into an agreement to prevent being served/sued. He also represented himself as being authorized by the state of Tennessee to notify me of my rights and make sure that things were being handled legally.

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
Consumer complaint received 2016-11-28 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:
I received a collection notice from AFNI , Inc. alleging I owe XXXX. I do not and have never had a debt with XXXX and the debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX a Stipulation of settlement was ordered by the XXXX country court in the amount of {$14000.00} and {$7400.00} both amounts were paid in full and the premises was cleared as per the order on XXXX/XXXX/XXXX. I have spoken to XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX numerous times. Conversations started on XXXX XXXX and ended with no resolution on XXXX XXXX despite me sending him all the papers and documents that he has requested. 

XXXX XXXX at FCO promised to contact XXXX XXXX to resolve this matter. On XXXX XXXX I spoke to XXXX XXXX and he informed me that they did not reach out to XXXX XXXX and the compliance officer at FCO determines if I owe money or not. On XXXX XXXX, XXXX XXXX XXXX stated that the compliance officer at FCO determined that I still owe the money despite the Stipulation of Settlement or any of the prove that was sent to him since XXXX XXXX. 

According to the law it states that if Stipulation of Settlement is signed by the judge and conditions were met and paid off in full XXXX XXXX or any other collection agency has no right to go back and charge extra charges or send to collection.

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 2016-10-20 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
I was forced to move out of an apartment complex due to repeated issues of non compliance by the management and owner of the building - including but not limited to mold, unlawfully towing personal vehicles, and not abiding by their terms of the lease to provide an adequate place to live. I notified the owner in writing that I would not pay one month 's rent for the partial last month I resided there - due to them breaking the lease, and the need for me to obtain proper housing for my family. I did have a deposit on this unit, and did forfeit that deposit upon move out. A collection agency ( FAIR COLLECTIONS AND OUT XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ) has contacted me and is reporting against my credit for a balance due that I do not owe. I have contacted my local and state representatives for assistance, and filed a dispute to this collection agency, however to date they are still negatively and inaccurately reporting and collecting against 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 explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
This pertains to file # XXXX where I have proof that BB & T is lying. On my original complain I stated to BB & T had debited out {$100.00} premature from my account. All this started back on XXXX/XXXX/2015. Where i have made a cash deposit if {$100.00} bringing my balance to {$95.00}. Then on XXXX/XXXX/2015 there was a charge of {$28.00}. And here is where the problems starts. BB & T charges me {$36.00} OVER DRAFTED FEE on XXXX/XXXX/2015. The reason is that BB & T has stated that on XXXX/XXXX/2015 there was a withdrawal of {$100.00} Plus {$3.00} fee for using another banks ATM. The problem here is that it was not on XXXX/XXXX/2015 that the Withdraw occurred but on XXXX/XXXX/2015. I have the Bank Statement for BB & T which I printed off their web site. And what BB & T sent to me. As you can see, from the Bank Statement I am providing it shows where the Withdraw of {$100.00} occurred on XXXX/XXXX/2015. But BB & T takes the {$100.00} on XXXX/XXXX/2015 making my account go NEGATIVE. Furthermore, on XXXX/XXXX/2015 I make yet another deposit of {$100.00} again in cash. But because BB & T took out the {$100.00} on the XXXX/XXXX/2015 it has caused nothing but OVER DRAFT FEES which have total now to a {$260.00} ... And BB & T does not want to remove the fees when I have PROOF directly from their website. 

I have attached Both The Bank Statement that BB & T provides their customers and the So call Bank Statement they provided me with their entire letter providing nothing but misleading information plus inaccurate transactions from the bank to cover its shine! 
But as the saying goes : A picture is worth a thousand words! You be the judge of the proof yourself. And again BB & T states the {$100.00} was for XXXX/XXXX/2015 when it clearly states it on the personal bank statement from the bank on line the transaction took place on XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL

Complaint narrative:
Someone stole my Identity in 2014. I filed a police report. Many creditors took action to fix the situations that arose. But XXXX collector is pursuing me for a supposed apartment rental I did NOT rent in ANOTHER STATE, EVEN AFTER I SENT THEM THE STANDARD LETTER FROM THE FTC as the FTC advises. 

The dead give-away is that they always have my name wrong, as is the case with this collector ( Fair Collections & Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX XXXX www.fco.com ). 

They keep telling me I need to complete their form which asks for a litany of my personal information that THEY ARE NOT PRIVILEGED TO. 

I even included a copy of my police report with the standard FTC letter. THEY REPORTED ME TO THE CREDIT BUREAUS!!! 

How is this allowed when they do NOT even have my name correct and I 've provided proof of identity theft?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
Called my Human resources dept on XX/XX/XXXX, told them I needed to contact them and needed to serve me paperwork at work. My HR rep told them they are not allowed to serve me paperwork at my place of employment. I then called the number back and they told me, XXXX XXXX was name of person, that she was a Law firm, garnishing my wages and faxing paperwork to my employer to do so,. They said it was a " charged off " debt from XX/XX/XXXX with Continental Finance. I asked for their address of business, she refused, said she had to protect their employees, I asked for a copy of the paperwork she was referring to or a copy of the debt, she refused. She then began screaming at me, tells me she could force me to sell my house for the debt and I would loose my house. She said if I called her back she would sue me for harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC
State: IL

Complaint narrative:
Out of the blue I started getting several call a day from XXXX. When I answer the phone nobody says anything at all. I used XXXX to find out who the number belongs to and it says Continental Card services. I 'm on the do n't not call registry but this place will not stop calling. I 'm really getting angry, this has to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have an auto loan with PenFed that they refinanced for me in XXXX. The loan was refinanced from XXXX XXXX and I have now received a letter stating that PenFed has raised my interest rate from XXXX to 14 % since XXXX did not release the title to them. My husband has contacted XXXX numerous times as the title was in his name and they have stated they have released the title to them. My husband also contacted PenFed about the issue in XXXX and they stated this was an error and my husband even opened a checking account with PenFed the same day. This is a fixed rate loan that should never should have been raised and PenFed before releasing a check to XXXX for the payoff of the vehicle should have obtained a copy of the title before doing so. I can not get them something I do not have and will not be held at fault. This is completely unethical. I am very saddened as PenFed has always been a good company to me but this is the worst financial injustice I have ever encountered in my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Check City Partnership, LLC
State: NJ

Complaint narrative:
I took out a loan for {$50.00} from Check City in XXXX XXXX, NV ( on XXXX & XXXX ) and was suppose to pay it back the week after I took out the loan. But im currently unemployed with no income so Im not able to make the payment just yet. They repeatedly call me every week and leave voicemail from XXXX XXXX XXXX. I also receive phone calls from blocked numbers and when I answer it says " Thanks for calling us back, I 'll transfer you over to one of our debt collectors, '' then a representative from Check City answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I was laid off my job and this account was turned over to a collection company called Real Time Solutions. I received the letter from them in the mail and I called them to make arrangements on the account. I spoke to XXXX XXXX who set up a Hardship Agreement with me to make payments for {$150.00} a month for XXXX, XXXX, and XXXX of 2015. I was told to call back and set up more arrangements after those payments were made and I did to find out XXXX was no longer with the company and I spoke with XXXX who offered me a settlement on the account of {$1800.00}, and to make payments of {$150.00} a month for 12 month. XXXX representatives confirmed and assured me that they would not report me with the XXXX Credit Reporting Agencies and the account was settled. Since I have paid as agreed.I was also suppose to get a letter in the mail confirming the settlement of which I have not received. Today XXXX XXXX I received a email alert from XXXX XXXX where they did report me to the credit reporting agencies on XXXX XXXX, 2015 and are showing it as a new collection account open not settled for the entire amount that was owed. I called in and spoke to a Manager XXXX XXXX and he would not assist me. He told me even though it was reported after I was told it would not be and reporting inaccurately I would have to file and write a dispute letter to their company to correct it even though it was their error for reporting it. He also mentioned that the account could have been purchased by their sister company and reported by mistake? I would like the collection to be completely taken off all my credit reports as promised. I do not owe the amount reported and was told since I paid on time and settled the account they would not report it. I am set up to make my XXXX payment starting XXXX XXXX, 2015 by auto payment. He also stated that because the account was not paid in full they could report the original balance it was their right by Federal Guidelines. The conversation was recorded so you can request to hear the conversation. Lastly from the beginning I was told that because I have paid as agreed and entered into the settlement the account would not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 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: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
I have XXXX collection agencies tryingXXXXXXXX to collect the same debt. 
1. Resurgent Capital Services, XXXX, SC XXXX and2. XXXX, XXXX, MN XXXXThe debt originated from XXXX, There is only XXXX debt for XXXX. Both companies insist that their claim is legitimate and have refuse to provide any proof of the debt. 
I do not want to pay XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I called FCO and spoke with a XXXX XXXX I asked for something so I can see if this is our debt or not the CSR kept trying to verify over the phone and make me state that it was my debt. I told him that I do not know what this I want something sent but he was n't trying to me anything until I verified if it was mine, hence me needing documents he said they have had it since XXXX/XXXX/2014 I have not received anything to verify or dispute this and we would like this removed from our credit if indeed this is not ours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I pulled my credit report and identified a hard inquiry from New American Funding. I called the number, XXXX, and spoke with a XXXX XXXX XXXX. XXXX XXXX alleges that I provided verbal authorization to a XXXX XXXX XXXX to run my credit on XXXX XXXX, 2016. When disputing the inquiry, XXXX XXXX informed me that they have my personal information and that I spoke with XXXX XXXX at approximately XXXX. I am concerned that I have not authorized any lender, outside of XXXX XXXX XXXX and XXXX XXXX, to run my credit. I am in the process of attempting to purchase a home, but again, I have yet to authorize anyone to run my credit. I would like XXXX XXXX to be investigated for running an unauthorized credit inquiry and for New American Funding to remove the hard inquiry. If they refuse, I would like instructions on how to retrieve a copy of said phone call in which XXXX XXXX alleges that I provided authorization.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 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: MI

Complaint narrative:
I Dont have a XXXX credit card this company has been harrasing me for the last few years, i have asked them to tell me what was bought and when, and they said they dont have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Real Time Group, Inc.
State: DC

Complaint narrative:
Real Time Resolutions has been repeatedly calling my about a debt which they have incorrectly attributed to me. I have attempted to have this rectified but the company refuses to inform me of what they need to remove this from my record or to stop calling and mailing me about this individuals debt. The person they are looking for has a name similar to mine, but is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Check City Partnership, LLC
State: NV

Complaint narrative:
Payday loa lenders trap people with high interest rates and will not work out anyways to help the consumer. They would rather have the consumer over draft and be unable to pay loans. I would like to revoke authorization to my account because I have had fraud to my bank account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
Our home had a foundation problem that was very bad. Had to send papers to mortgage company where we had a special engineer come in an give us cost home much it was going to cost to fix foundation. Was going to cost us XXXX dollars to fix..was working with mortgsge company ona deed in leiu. But never heard anything back. All i got was my wages garnished..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Ditech Financial LLC
State: TX

Complaint narrative:
DiTech Financial ( DF ), formerly known as Green Tree Servicing, is reporting information on my credit report in direct opposition to an Stipulated Order for Permanent Injunction and Monetary Judgment ( XXXX ). I have contacted DF and sent them a copy of injunction. No action has taken place as far as removing the information from my credit report.

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