vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST
State: UT

Complaint narrative:
An Bank of the West account was made by my wife. She closed the account almost immediately after creating it due to a name mismatch Bank of the West could n't correct ( she subsequently open another correctly the same day ). She funded with our XXXX credit card in the amount of {$500.00}. Since the closing, I 've been informed the money would be returned to XXXX. It has n't arrived as of today ( XX/XX/2017 ). The account was closed XX/XX/2017. The money was supposed to be credited back 7-10 business days later. Bank of the West is advising me to Dispute the charge through XXXX for Bank of the West. I 've asked them multiple times to check their back office to make sure it was sent and provide some documentation to that effect ( transaction id or letter stating they returned the {$500.00} ). They have so far refused to provide evidence they returned the money. I need evidence to file a dispute 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 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2016 I deposited into my checking account an amount ( approximately {$75.00} ) to bring my balance to XXXX in order to close the account. Same day I made a follow up visit to the Regions bank branch office and met with Regions employee XXXX XXXX in order to assure account was closed. 

Regions beginning on XX/XX/2016 posted a series of service charges in excess of {$400.00} to the account which was closed previously on XX/XX/XXXX. Subsequently they seized {$400.00} from my now card account to retire these erroneous charges to a closed account. 
I need the {$400.00} reinstated to my now card.

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 2016-05-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Recently the Federal Gov't fined Goldman Sachs {$5.00} XXXX. How do consumers file claims to get reparations.

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 2015-10-13 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: DC

Complaint narrative:
I do not know anything about this debt collection coming from Afni, Incorporated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX , XXXX original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I signed disclosures and locked in a 60 day rate with Bank of the West on XX/XX/2017. I received a revised loan estimate on XX/XX/2017 saying " pricing changes upon underwriter review - non QM loan '' which added {$3800.00} or .5 % discount points to our loan. However, the sales price has been the same since I opened escrow on XX/XX/2017. Prior to this incident, I kept receiving disclosures in the mail with high discount points which did n't match the advertised rates for the day. I also wondered why other banks were able to do edisclosures but this bank was the only one that sent disclosures in the mail. When I raised the issue with my loan officer XXXX, he said the rates were off in their system and that he had no idea what was going on. I was confused as to how the rates our loan officer was able to lock were higher and had much higher discount points than what was published on Bank of the West 's website and on the Bank of the West rate watch daily emails. I told him I am adamant about not paying any discount points. I asked that he send a screenshot before locking in our rate. On XX/XX/2017 that 's when I locked in our 3.375 % XX/XX/XXXX ARM rate with XXXX discount points and a {$790.00} admin fee. Also, their appraisals are {$850.00} dollars which is $ XXXX {$400.00} higher than most banks. The loan processor XXXX sent an email on XX/XX/2017 saying that my loan was approved by the underwriter and that I would get the approval in the mail. Instead, I received a revised disclosure with {$3800.00} in fees for discount points.

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 2015-04-06 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: CO

Complaint narrative:
THIS IS WRITTEN NOTICE TO AFNI THAT YOUR CLAIM HAS BEEN DISPUTED UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ). I HAVE THE RIGHT TO DISPUTE ANY INACCURATE INFORMATION THAT IS BEING REPORTED IN MY CREDIT FILE. I HAVE REQUESTED SEVERAL TIMES FOR PROOF THAT I HAVE A LEGAL OBLIGATION TO PAY YOU AFNI. THIS ALLEGED ACCOUNT HAS BEEN ILLEGALLY DISPLAYED ON MY CREDIT REPORTS ( XXXX, XXXX, AND TRANSUNION ), AND IF VERIFICATION CAN NOT BE MADE WITHIN THE 30 DAY TIME FRAME ALLOWED TO AFNI BY LAW. THE DISPUTED ITEM LISTED IN MY DISPUTE MUST NOW BE COMPLETELY REMOVED FROM MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). 
AS AFNI IS NO DOUBT AWARE THAT THEY HAVE EXCEEDED THE 30 DAY TIME FRAME ALLOWED TO THEM BY LAW. 

THE LAW REQUIRES COMPLIANCE WITH THE TERMS AND CONDITIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WITHIN 30 DAYS OR COMPLETE WITHDRAWAL IN WRITING OF ANY CLAIM. AFNI HAS FAILED TO REMOVE THIS INACCURATE ACCOUNT INFORMATION, AND THIS UNVERIFIED INVALIDATED INFORMATION SHOULD NO LONGER BE ASSOCIATED WITH MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). 

I WOULD NOW LIKE TO KNOW WHAT ENTITY CAN INFORCE FINES AND FEES AGAINST AFNI FOR A DIRECT VIOLATION OF THE LAWS?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
Mortgage lender Regions Bank, XXXX GA, violated the FTC Safeguards rule by sending my entire loan application with account numbers and social security etc via unsecure email attachment with no password protection after I asked them to fix secure transmission and explicitly told them not to email the application with no protection. FTC website sent me here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC.
State: IN

Complaint narrative:
AFNI FAILED TO VALIDATE A UNAUTHORIZED DEBT INQUIRY ON MY XXXX CREDIT REPORT DATED XXXX/XXXX/2016. 
SEE ATTACHED. 

IGNORED CEASE AND DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 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: AFNI INC.
State: CA

Complaint narrative:
I opened an account with XXXX and was unsatisfied. I returned the phone within 2 weeks, which was the time frame I was given. I returned all the materials they gave me along with the phone and was given a refund receipt. A couple months later I get a call saying that I owe XXXX {$800.00} because they still think I have the phone. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
On XXXX XXXX, 2016 I went to KIA of XXXX, Al. to see if I would qualify for a 0.0 % interest deal KIA Motor Finance was offering. I told the sales associate ( XXXX XXXX ) that I did n't want them to run my credit at that time because I wanted to check with my credit union first. I told him I had been to a different dealership at the beginning of the year and was shocked to be notified by my credit monitoring service of a half a dozen hard hits on my credit report. I did n't want that to happen again. He assured me they would not " shop around '' my loan. I went back to the KIA dealer the next day and told the sales associate again, and the sales manager ( XXXX XXXX ), that I was only interested in finding out if I would qualify for the 0 % offer through KIA Motor Finance ( KMF ) and that, if I did not, I did NOT want to pursue any other offers. I told them why. I told them several times : " Only KMF '' and was assured by both of them that they would not shop it around. I was clear and unambiguous. I made sure that there was no misunderstanding. They lied to me. I got approximately XXXX hard hits on my credit reports from the various credit reporting agencies as a result of KIA of XXXX ( and/or KMF ) completely disregarding my wishes and instructions. I talked to the dealer and they said call KMF. KMF said talk to the dealer. I contacted one of the credit reporting agencies to see if all but the inquiry from KMF could be removed. I would have to have a staff of people to jump through all the hoops they said I would have to in order for that to happen.

Company response to consumer: Closed
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
they say that i owe a cell phone bill from att and the last time i had att account was 2006 i called att and they cant find account that belongs to me and this company insists on collecting this debt and also reporting on credit file as a new debt .. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST
State: TX

Complaint narrative:
I have a bank of the west checking account and it has around {$500.00} balance. I had monthly activities ... .... 2 years ago, I ca n't login in to my account and had n't received any letter from them. I called one of their branches in XXXX, IA and one banker over the phone told me my account went dormant and I had to fill out the form to reactive my account. She mailed me a form in the mail, I filled out and mailed back to her. Nothing has happened ... .I ca n't still login in to my account and I need my money back. Bank of the west ca n't just say customers ' account go dormant and keep customer 's money. 
The below is my Bank of the West account number : Account Holder XXXX Account Type Checking Account Number XXXX Transit Routing Number 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 monetary relief
Consumer complaint received 2016-07-14 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: American Credit Resolution, Incorporated
State: OH

Complaint narrative:
called me saying they would serve me papers at my job calling friends and my family harrassing them saying if they didnt get a number from them they would be arrested. man called and said he was a legal courrier for my county found out they dont have no such thing

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: ETHOS LENDING LLC
State: UT

Complaint narrative:
We applied for a refinance loan and met all loan criteria, income, ratios, etc. We also paid for an independent appraisal that Ethos Lending chose for us. The appraisal came in at $ XXXX for our home. For whatever reason Ethos chose to get a " desk review '' of the appraisal. The reviewer did nothing more than look at comps, no visit, nothing but challenged the valuation by the appraiser. The reviewer 's work was shoddy and even Ethos said he was out of line. The first appraisal was in line with other sales in our HOA development and we provided proof of this. But in spite of this, Ethos wanted us to pay to obtain a second appraisal. In the meantime Ethos changed the Good Faith Estimate twice on us from their original amount due to their delays. They are completely out of line to deny us the loan and the truth is they have completely left us hanging and gave us NO written reply as to what was going on. They could have at least said we will approve you for a lessor loan amount. Nothing. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014, XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: AR

Complaint narrative:
I purchased a XXXX XXXX and financed through Hyundai Motor Finance. The car was recently involved in an accident and the insurance company ruled it a total loss and is trying to payoff the car. My agent requested the information on XXXX XXXX, 2015. He has continuously been given the runaround from HMF. First, they asked him for inappropriate information ( details about the loss, my insurance policy and the claim itself ). Then, they refused to confirm receipt of the information he requested. We were told it would be 5-7 business days from the date they " received '' the information he sent, but they refused to verify they received it. It is now XXXX XXXX and today HMF told him it would be 3 more business days from receipt of additional information that they once again will not confirm they received. I faxed them this morning demanding escalation and a call from management by XXXX, to no avail. Meanwhile, I am waiting on the excess proceeds of that payoff to use as my down payment for another car. Further, I am buying a house and the HMF loan is still showing on my credit because HMF refuses to cooperate in ACCEPTING PAYOFF OF MY LOAN!!! I really need someone to intervene and make them cooperate and communicate with my agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hyundai Motor Finance has added a past due balance of {$8000.00} to my credit report. I had a XX/XX/XXXX Hyundai Genesis that I traded in for a XX/XX/XXXX Hyundai Genesis. When the dealership sold the car there was a balance of {$8000.00} that was due on the lease. My lease contact that I signed for my XXXX Genesis show that XXXX XXXX had carried over the balance to my new lease. I have tried to explain this to HMF, but with no avail. HMF still insist that I owe them {$8000.00}. I 've provided HMF with the check that XXXX XXXX sent to HMF. I like to have this outstanding balance removed from my credit report and ask the my credit reflect Paid in full as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
Describe what happened so we can understand the issue ... 
After loosing my job, I fell behind on car payments, I always called and made arrangements. I had called KIA MOTOR FINANCE and made arrangements to pay the balance of XXXX on the XXXX of XXXX. I had made a payment of {$500.00} XXXX and that payment had cleared my account. 
XXXX XXXX I woke up to my car missing. I immediately called KIA MOTOR FINANCE they told me that had not taken my car back. I called the police, after 2hours the police informed me the car had infact been repossessed by KIA MOTOR FINANCE. 
I sent KIA MOTOR FINANCE the record of my payment on the XXXX XXXX being withdrawn from my bank account and I asked them why I they had repossessed my vehicle if arrangements had been made, and then told me that they had not done the repossession forcing me to call the police and waste a public officials time based on a lie. 
They would not answer my questions, they told me I know owed from a beginning balance of XXXX which was reduced by a {$500.00} payment on the XXXX XXXX, to {$960.00} was no infact {$1400.00} + {$490.00} + {$320.00} and another {$370.00} to the tow company. 
I had 48 hours to complete the transaction. 
I paid the full amounts owed to everyone and went to pick up my car. The tow company XXXX in XXXX, CO did not print me a receipt of payment, I was informed they could not print. I retrieved my car which had significant damage on both the driver back door XXXX and the passenger bumper. 
Immediately I informed the lot clerk, who pulled up the pictures of my vehicle when they picked it up on XXXX XXXX. I stood behind her and took pictures with my cell phone, clearly the there was no damage in the photos on the computer, proving they lot or drivers had done the damage upon repossession. 
I asked fora copy of the photos, which I was denied. The owner XXXX, asked to speak to me on the phone, he told me I was " confused '' and when I protested he yelled " XXXX and let me talk '' At which time I called XXXX Police Dept. who sent XXXX officers to assist me and take note of the damage, the verbal confrontation and the photos displaying on the computer showing no damage. 
The police informed me the owner would prefer me take the vehicle to a repair shop and " send him the bill '' rather than give me his insurance information. 
I refused the offer and requested the insurance information for a claim. 
Consent to publish the description of what happened? Consent provided Product Vehicle lease Issue Problems when you are unable to pay

Company response to consumer: Closed
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I was approached by a member of XXXX XXXX XXXX team. I was rushed into applying for a loan to pay for the materials used for the program. When I decided to cancel, I was told it was too late. Even though I was told that the contract was n't binding until after I took and passed the first exam. So after I asked for a cancellation, three monthly payments was taken out of my bank within a 5 week period. So i shut down the account. I received a phone call from Lockhart, Morriss, and Montgomery saying that i owed this debt for {$6500.00}. After that conversation I contacted my Attorney General, and the Attorney General in Indiana. I am currently in contact with them now. But when I Looked over my credit report, the original lender is said to be XXXX XXXX XXXX. I called these people and was told they had no information concerning a loan with me. This prompted me to pull up the application. On the application page XXXX it says the Lender of the loan is XXXX. I called the office listed on the application. I was told there was no loan given to XXXX on my behalf and that I should contact legal services. I am fully aware of the class actions law suits against XXXX. I have been place in a mediator service through the Indiana Attorney General department with XXXX XXXX XXXX. This is my last resort before contacting legal services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Collector continues to call me at my workplace despite telling them XXXX times that I can not be contacted there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Drexel Mortgage Corporation
State: NY

Complaint narrative:
Drexel Mortgage company made several promises to me about my loan process, none of which they kept. Moreover, I was slammed with a {$6800.00} fee just before closing that I was never aware of, nor did I agree to pay. I was told that the " HUD '' contains information provided by my Broker ( who did n't show up to closing ) and all terms were discussed and agreed upon before submitting to the lender. This was absolutely not true!! I never received any information regarding such a high fee. Given the exorbitant amount and the lack of service ( ignored calls, texts, and email ; delaying process by not following up with lender about requirements in a timely fashion, etc. ) received, I would have shopped around for a better rate and company ; but only finding out about this fee the day before our first scheduled closing ( which was two weeks before actual closing ) and after waiting months to secure funding I was promised would take three weeks, I was stuck. 

The lender would n't refund the payment they already had issued through my mortgage and said that I should 've been issued a GFE from Drexel, which of course, I never received ; and that any issues would need to be taken up with the Broker. 

I reached out with a compromised rate and the President responded with a lower value, as if he did nothing wrong and was doing ME a favor. He has yet to respond to my second message. Having also been paid by the bank for the loan, I am seeking the full amount refunded, plus the 8.24 % interest I had to pay on this fee. The {$2300.00} or so they received from the lender more than adequately compensates Drexel for their horrible service and deceptive practices!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Risecredit, LLC
State: OH

Complaint narrative:
I applied for an installment loan through Rise credit when I was in a desperate financial situation and I am unable to pay back the loan in full.

Company response to consumer: Closed with explanation