vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Check City Partnership, LLC
State: NV

Complaint narrative:
My employer received a so called summons on paper work that was not sealed in a private envelope to keep my personal information private from other employees, this was Thursday XXXX/XXXX/15, then my pay check dated XXXX/XXXX/15 was garnished, stating voluntary deduction on my stub, I was never advised of anything, never received any type of judgement or court order. the payday loan company was Check City.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted a dispute for some Tax liens that are reporting on my credit report. I asked for verification of these accounts since I have no knowledge of them. The accounts came back verified. I then wrote a letter ( notarized ) to the address and Court the credit report has on file. Well the Court has finally responded to my letter and its 100 % clear they did not Verify anything with Experian. Under the Fair Credit reporting act Everything on your credit report must be 100 % verifiable and accurate. I have attached copy of the notarized letter I wrote to the court and the response Letter from XXXX County Register of Deeds Office that they have no records of these Tax liens nor do they report anything with any credit reporting agencies.

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 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
My bank, First National Bank, did a security update on XXXX and XXXX. After the 30 minute long security details, I went through the long security process. When I tried to log on to my account I had no idea which of the many security numbers I should use. My account was disabled after I tried to use the different numbers. The message said to call the XXXX Customer Service number. It was busy all day on XXXX and XXXX I can not access my First National Bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This company has been harassing me, violating the FDCPA laws and when called them out on it they became combative and very unprofessional. This company placed an credit account on my credit which I have no acknowledgement of. The last name on the account is XXXX which I 've told them before is n't my last name. I 've never been married I 've provided documents showing proof and still they wo n't remove off of my credit. My last name is XXXX and never been XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Utah System of Higher Education
State: SC

Complaint narrative:
I have been a XXXX student since XXXX, enrolled at XXXX XXXX University. XXXX University has up-dated my enrollment status on the national database system every semester. As of XXXX 2016, Utah higher education Assistance Authority ( UHEAA ) has billed me, requesting payment on my student loans. As of date ( XXXX XXXX, 2016 ) UHEAA is showing me as XXXX months past due on my federal student loans, my credit score has went from a XXXX to a XXXX due to the negative reporting, and my Federal and State tax refund have been placed on hold due to this negative reporting. From the XXXX of XXXX I have been in contact with UHEAA in regards to this issue. Every month I am told I am past due on my loan, that I must make payment today, that it will be reported to the credit bureaus ... in the next breath they report that they see I am in school and that they will get this taken care of. Today I spoke with them and was told the same thing ... behind, in default, must pay ... This is an issue that still has yet to be resolved. My credit score and federal and state refunds have been impacted, along with the increase in stress. I am getting no resolution with this company and am in need of further assistance.

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 2015-06-04 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: CO

Complaint narrative:
I have been disputing acct # XXXX from XXXX XXXXBack in XXXX 2015 XXXX had this account # XXXX and I made a settlement offer of {$320.00} owning no more. 
I guess communication was lost between them and XXXX. 
XXXX then sent me to another 3rd party named Afni acct # XXXX saying I owe {$130.00}. 
I spoke to numerous people from afni and they said to send an email that states that I did a settlement with XXXX sent very letter that will be attached with this. 
I Then called XXXX at XXXX XXXX on XXXX/XXXX/2015 and spoke with XXXX XXXX XXXX XXXXHe was very confusing and had said he 'd wave all this as a XXXX? 
I 'm not sure what this meant the gentleman was very hard to understand. 
I then Got email back from afni on XXXX XXXX saying I still owe {$87.00}, I now have spoke with a XXXX with XXXX mst on XXXX/XXXX/2015 XXXX XXXX. 
she said it 's all on XXXX sideso I called and spoke with a XXXX XXXX ( XXXX ) she instructed to give afni the letter again that the account is closed and a the balance is {$0.00} and to close this account with afni.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
I owe Northwest Collections {$0.00}. I have contacted them many times and disputed the collections on my credit reports and they have failed to remove the " collections. '' There were XXXX separate red light tickets that were paid directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 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: GA

Complaint narrative:
They sent me a letter from a debt agency, I did n't know if it was true. I sent in two payments but afterwards, they told me I would not any get receipts for paying for it. So I sent them a verification letter they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I recently submitted a complaint against Regions Bank in regards to their illegal practice of changing transaction orders in an effort to charge more overdraft fees than would have been made had the original transaction order been kept. I have just received a letter in the mail from Regions Bank regarding this complaint. In this letter they say that they have reviewed our accounts and they can find no instance of an overdraft fee being charged on a day when the transaction would have been under {$5.00}. Therefore there was no bank error so they can not refund our money. Of course they ca n't find an instance of it happening because they changed the order of the transactions before they charged us the overdraft fees. I feel I am getting the same run around as I did when I contacted them before about this problem. They ca n't find a problem because they did such a good job at covering up what they were doing in the XXXX place. They will never find an instance of it bc they changed the transaction order. That is the problem. That practice is illegal. They have been fined and sued over that very practice already and yet here they are doing it again and getting away with it because they say they ca n't find a problem they created. Please help us! This bank is taking advantage of consumers ' trust and ruining our lives. Because of what this has done to our credit we can not get loans, financing etc. we struggle to get things we need to live a normal life and are harassed by collection calls in reference to the debt caused by this banks practices of changing transaction orders. We can not be the only ones they are doing this to. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20 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: PA

Complaint narrative:
XXXX EOSCCA XXXX MA XXXX The company above has called my house for the last 2 years for a person who does not live here. I have told this company over and over XXXX does not live here and has never lived here to remove our phone number from their system. I also advised them I have no clue who this person is. Each time I talk to them they tell me they will then I receive more phone calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have been trying to communicate with XXXX and do not seem to be getting any clear answers as to why they are showing up and reporting derogatory information about me on my Early Warning Systems report. I am well aware that EWS was started by big banks, for big banks, and is funded by big banks, but FCRA rules do apply. This is my XXXX request for them to proove the account belongs to me by providing me something with my signautre on it or delete it. 

I do n't know why I must spend so many countless hours trying to correct this companies mistake, this is causing me a lot of stress. Since I can not get an answer from XXXX maybe Early Warning Systems can investigate and show that it conducted a proper investigation. Show me anything with my signature on it. I am holding EWS responsible since hey publish the information, which is inaccurate and does not belong to me since I ca n't get anywhere with XXXX. 

I am a XXXX XXXX citizen per attached. This specific mark is preventing me from obtaining in home care that I need after my car accident. 

Please do not call and communicate only by way of the CFPB portal or mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 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: NV

Complaint narrative:
I continue to get calls from XXXX, who state they are a debt collector. I have no debts, other than a couple of credit cards, which I pay off monthly. I have no idea why they keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
Hi, In the last 2 months, I have been looking to get a mortgage form the XXXX banks where I have an account : XXXX and First Republic Bank. After giving them all my datas and explanations ( down payment of $ XXXX- {$100000.00}, I have no debt, no school loan or such, good credit score, have been working with the same employer for the last 12 years, work contract signed for next year, letter from my Human Ressources ), etc ..., they still told me that I could n't qualify for a mortgage ( i 'm looking at a {$300000.00} loan ), because I 'm currently on a XXXX and therefore not receiving any paycheck. I told them that I felt discriminate and it 's the case. 
After some research online, I found a recent article concerning that discrimination : XXXX Again, I believe that none of the reasons they gave me make sense. Right now my rent is more expensive than if I had a mortgage to pay. Why would they let one of their client to pay a rent more expensive than a mortgage. Not very customer oriented for a bank. 

Please let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$180.00} - {$170.00} XXXX/XXXX/2016 ATM DEBIT XXXX Branch {$40.00} {$5.00} XXXX/XXXX/2016 CARD XXXX # XXXX XXXX {$15.00} {$45.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$60.00} {$61.00} XXXX/XXXX/2016 CARD XXXX XXXX {$10.00} {$120.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX XXXX {$21.00} {$130.00} XXXX/XXXX/2016 CARD XXXX XXXX {$3.00} {$150.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$100.00} {$150.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX {$13.00} {$250.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$2.00} {$260.00} XXXX/XXXX/2016 CARD XXXX XXXX # XXXX XXXX {$6.00} {$270.00} XXXX/XXXX/2016 FEE OTHER BANK ATM WITHDRAWAL FEE {$2.00} {$270.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$27.00} {$280.00} XXXX/XXXX/2016 ATM DEBIT XXXX XXXX XXXX XXXX {$100.00} {$300.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$200.00} {$410.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$15.00} {$610.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} {$620.00} I had sufficient funds and regions bank charged me {$180.00} overdraft fee on the left are the charges on the right is the balance I did contact the bank and they refuse to fix this issue. I would like this matter corrected. Regions Customer Service Center 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 2016-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: AFNI INC.
State: TN

Complaint narrative:
We had XXXX XXXX XXXX XXXX in XX/XX/XXXX, which we had problems with it working correctly. We called to cancel the service and a representative informed us that they would send a return shipping box for all of the equipment to be sent back to their warehouse. The day this was done we called to let them know and the representative informed us that we would not owe anything on this account. XXXX XXXX XXXX turned it over to a collection agency, then took it back and turned it over to another collection agency. The collection agency shows it as an open account for XX/XX/XXXX, the representative that I had talked with was very demanding and rude. We were told if we do not pay this account in full then we will be charged with criminal intent not paying this debt. I do not think this is good business for any company. I would not recommend XXXX to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC.
State: NC

Complaint narrative:
AFNI reported a {$900.00} collection on my credit report without providing me with a notice of my right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I went on vacation 1 day before XXXX of my pay dates which was XXXX/XXXX/15, so the company said they would make my due date on XXXX/XXXX/15 since I was returning from vacation on XXXX/XXXX/15 and the company would be closed until XXXX/XXXX/15. They led me to believe my next pay date would be on XXXX/XXXX/15. Instead I paid my payday loan and they set it for XXXX/XXXX/15 instead of the XXXX/XXXX/15 I had been told. so in 3 days I would be paying another XXXX fee for a payday loan. I believe this is wrong and a way to take advantage of payday loan customers. I believe this companies need to be regulated closer and ones like Cash Express and basically using threats and extortion on their customers to scare them when all they do is collect court cost. They can not press criminal charges. Cash Express needs to be regulated better and not using scare tactics to intimidate customers. XXXX is the manager and XXXX was who waited on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Im disputing information listed on my Early Warning report in regards to XXXX Acct # XXXX. Early Warning failed to accurately investigate said information and refused to removed invalid incident dated XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 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: IL

Complaint narrative:
First of all, we were not aware of this debt. This was a landline phone at a rental property and XXXX XXXX XXXX did not get the bill correctly mailed so that we could pay it. They just turned it over to a collection agency which is whom I have the biggest complaint with. After applying and being denied for credit, I discovered that this was on my credit report. I immediately called XXXX XXXX XXXX that said to call AFNI and pay with them since it had already been turned over. I stated that I wanted it removed. XXXX said if after calling AFNI I didnt get resolution to call them back and they would pull the account back and I could work with them. I called AFNI on XXXX/XXXX/16 and explained what I needed, she said she would gladly take the payment and then I could have this removed. After being denied once again for credit on XXXX/XXXX/16, I found out that the debt was still showing in collection and still being reported even though I had paid in full on XXXX/XXXX/16. I then called AFNI and was treated so rudely. The gentleman basically said I was a liar - that they werent going to remove anything. I have never seen such horrible customer service to someone who is obviously distraught over losing a mortgage loan over a {$100.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
My husband incurred a {$160.00} debt for ambulance service on XXXX XXXX, 2015. I called the debt collection agency XXXX Northwest Collectors XXXX to inform them of his untimely death. They responded by saying his debt now becomes my debt since I 'm his surviving wife. I informed the agency that Illinois is not a common law state and my spouse 's debt does not become my debt. I wrote them letters disputing the debt but to no avail. Northwest Collectors has since transferred the debt to my name and reported it the credit reporting agencies and the debt is now on my credit report.

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 2016-08-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am going through a very messy divorce. I was divorced from my ex husband XXXX XXXX, 2015. I opened a bank account at Regions bank for {$2000.00} after this date. My first debit was an internal transaction for {$10.00} to pay for my check order on XX/XX/2015.This was just a few days after opening the account. The balance then was {$1900.00} When filing the descriptive list, my ex husband listed my bank account with the date of XX/XX/2015 and balance as {$1900.00} as his documented information on a sworn descriptive list. He is a banker who has a lot of friends who would give him this information. I believe someone pulled my information to give him. He was never given any authorization to access this account in any way.

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 2015-05-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am not opted in to any overdraft " protection '' at my bank. They allowed XXXX debit card transactions to complete on my account for XXXX and XXXX. They stated that even though they are debit card transactions and not electronic funds transfers or checks, they are not considered " XXXX '' debit card transactions since they are paid at the same time and amount every month and I am therefore not protected by consumer protection laws for these transactions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XXXX XXXX, XXXX my son purchased a Hyundai XXXX and I co-signed. The Retail Installment Sale Contract - Simple Finance Charge was signed by both myself and my son. Per the contract there were 59 payments at {$360.00} beginning XXXX XXXX, XXXX with a final payment of {$360.00} due on XXXX XXXX, XXXX for a total of 60 payments. The payment detail on the Hyundai Finance monthly statement dated XXXX XXXX, XXXX shows a regular payment amount of {$360.00} and a total amount due of {$370.00} for payment # 60. The payoff summary on the statement shows a payoff amount of {$370.00} good through XXXX XXXX, XXXX. While the differences in these amounts for the final payment are small, my concerns are two-fold. First, the payoff amount and the final payment per the statement on XXXX XXXX, XXXX should be the same since payments would have been based on an amortization schedule. There should not be interest charged beyond what is included in the final payment due. Second, is there a systemic problem across all Hyundai Finance loans that adds interest to the payoff amount that is based on the date the final payment is due and higher total interest payable than the amount shown on the executed Retail Installment Sale Contract?

Company response to consumer: Closed