vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am submitting a complaint against Early Waring Services because I have been a victim of Identity theft and sent in the required documents that they requested Police report, ID and consumer Identification form. There is an inaccurate reporting showing from XXXX XXXX on my file with them In which I sent in a dispute to them along with the Identity Theft Remedy documents requested and they claim that XXXX XXXX claimed the account to be verified as reporting accurate. I called today and spoke to a supervisor ( XXXX ) who told me that XXXX XXXX did not respond as to why they believe the account to be accurately reporting so that gives them permission to remove the reporting from my file. Shortly after XXXX called to tell me that XXXX XXXX responded as to why they believe the account is reporting accurately and that the reporting was going to be reinserted in to my file. They said that I can rebuttal the reason as to why XXXX XXXX believes the reporting is accurate and I have to explain why I disagree. I have already stated why I disagree the moment I sent them a Valid Police Report Specifying that this account reporting is Fraudulent and Identity theft. They are completely violating my FCRA rights and ignoring that fact that this is an identity theft account that was opened fraudulently. Why should I have to rebuttal what is obvious in my initial dispute with them? This situation seems to be completely biased as this company was formed and XXXX XXXX has partnership and interest in the stock of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: SC

Complaint narrative:
XXXX came in my absence from my XXXX home atXXXX XXXX XXXX, XXXX. It was observed by my property manager that the destruction that ensued was major and costly to repair including holes in the wall, bending the aluminum opening of the sliding glass door to enter when it was locked and installing the cable modem on the wrong side of the room. My complaint went unheard, their only offer was to send someone, ( right, once a destructive burgler has entered your home, you MUST always open the door for them, on subsequent occasions, how about oh ... ... never ) They sited my agreeing to a contract ( no, it was not I ) it was someone who was NOT the owner of the residenceUnder NO CIRCUMSTANCES would I ever agree to have my home damaged ( I had just bought it, when this occurred ) Then they damaged my, NEVER LATE ON ANY PAYMENTcredit historyThis has already happened to me, but some strong negative reasons should be given this greedy, unresponsive, credit damaging company, to NEVER again do this to the next customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: OR

Complaint narrative:
XXXX program sent XXXX e-mails to us in two days with our account number, but someone else 's name, indicating that they are suspending our mortgage payment program. They indicated that their banks have stopped handling the mortgage deductions. They did take payments XXXX XXXX for the XXXX XXXX payments on our first and second mortgages. We are told that we must make the XXXX payments ourselves. We called the company and asked about fee refunds. They said the account is only suspended and not closed, so they are not refunding fees. We feel that we have been scammed and given only part of the story. We want to protect ourselves in this situation. What action of the CFPB caused the banks to stop supporting the XXXX XXXX program? Will the program be resuming as indicated in our call to them? If it will resume, when might that happen? Can we trust the information coming from the company?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have not been consistently receiving my credit card statements from Regions Bank. I have received the following statements in 2016 : XXXX XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016. The only time I have received statements after the XXXX 2016 statement is when I called Regions to complain. I would get the next months statement and then no statements after until I called. Regions continually said they were mailed to my current address and verified with me my address. Finally someone at Regions ( XXXX XXXX ) discovered my statements were being mailed to an address I used a long time ago. In fact I have moved twice since using that address. The problem was in Regions system as I had not authorized that my statements go back to that address. I also can not sign up to view my account online as Regions has a problem with the online system. The online system will not let credit card only customers to sign up for an account. My identity could be potentially compromised due to Regions error in sending my statements to a wrong address. Also I think Regions should refund me any late fees for the months I did not receive a statement and provide me a copy of all of my 2016 statements and where they were mailed too.

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 2016-04-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My husband and I purchased a double wide mobile home in 2001 which was put on the land we had previously financed with a loan from Regions Bank. We have been paying on this loan since, with a 7.34 % interest rate. When the interest rate was lowered, we tried to refinance the loan thru Regions and was told that they do not do mortgage loans. I have tried refinancing thru the HARP program and was told they do n't refinance mobile homes. We are retired with a fixed income and paying XXXX a month mortgage payment to Regions. We have considered a reverse mortgage but do not know if that is a good move. My son has a home on the land and we were hopeful to be able to leave the land to him and a daughter. At this point I do n't if we can continue to pay the mortgage as prices keep rising.

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 2016-02-01 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: EOS Holdings, Inc.
State: AZ

Complaint narrative:
I was recently made aware of a current lawsuit against a collection company known as EOS CCA located in XXXX, MA. They currently have an open account from XXXX XXXX XXXX as of XXXX XXXX, XXXX for a balance of {$220.00} established in XXXX. I have in the past disputed this account and then eventually paid it in XXXX. Of course that was with a different bank account I had back then with no proof of payment. I have yet to receive any communication from this collection company or an option to dispute. This continuously keeps attacking my credit. Any advice or help would be appreciated. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 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: EOS Holdings, Inc.
State: VA

Complaint narrative:
1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
Account that I never over drafted to my knowledge. It shows I had XXXX accounts when I actually had XXXX. These people tried to pin XXXX accounts on me that I did n't know existed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 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: FL

Complaint narrative:
On XXXX XXXX, 2016, I checked my credit score and noticed an unusual downfall from a XXXX to a XXXX score. Under the factors affecting my score, a negative debt collector was listed. I contacted XXXX and was notified that a debt collector by the name of Afni Inc. reported a delinquent account. I investigated further into this matter and have filed a dispute with XXXX and XXXX to remove this from my credit report. 

Afni is claiming in a debt collection notice that I owe XXXX an outstanding {$370.00}. However, my XXXX account has been paid in full and closed in good standing. I have a letter confirming of this information dating to XXXX XXXX, 2016. Along with speaking to XXXX, I have been informed that my account with them has never been sent to a collections agency which puts into question the validity of Afni Inc. 's claims. When speaking to Afni on the phone to resolve this issue, the telephone attendant was in full swing of harassing language and would not adhere to my concerns or confirmation that XXXX has already been paid. Therefore I was not able to resolve or dispute this debt on my behalf resulting in this debt to be reported to the credit bureaus and negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: AL

Complaint narrative:
Original creditor ( XXXX ) billed the wrong insurance policy with no notice/contact to me however the hospital billed the correct insurance and was paid. I 've provided the collection agency with the correct insurance and had XXXX contact them as well, but the original creditor refused to resubmit bill to insurance for billing. Per XXXX they have to get resubmission from the original creditor. Collection agency told me they would remove this from my credit due to it being no fault of mine but it is still there. I was told by XXXX people at EOS CCA this was being filed for resubmission to the insurance, after speaking with XXXX, I was told they never received it. EOS CCA stated they are not allow to resubmit but file it with the original creditor who is REFUSING to resubmit or take any action to resolve this claim in over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had an account with regions i told them I didnt want to set up auto transfers and they did it anyway after i noticed it i canceled future transfers and now they transfered money from my checking to my savings and charged me a XXXX dollar fee and then went into my savings and took XXXX dollars out for a monthly maintnece fee this has to be illegal i understand the XXXX dollar fee and i would have to pay that each month but to charge my account for putting money from my checking that was XXXX cents into my savings all within the same bank and now my account is closed and i cant get an account due to this i am negative XXXX dollars and refuse to pay this for i didnt cause this and it is just a way for them to make money and i want this fixed and they offered me a settlement that still works in there favor taking XXXX dollars off the balance that isnt an offer or settlement and someone needs to do something about this bank they need to be shut down and given to another bank they are horrible people

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 2015-06-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
The reason for this letter is to inform you on the amount of time it takes to get a response on a dispute. On XX/XX/XXXX, an unauthorized transaction took place on my card while I was in church. On XX/XX/XXXX, i noticed this transaction on my account. I called and spoke to a Regions Banker and I was told that I could not dispute it until the money was no longer pending. XX/XX/XXXX, transaction is no longer pending, so I called back to dispute the transaction. I was interviewed over the phone. I was also faxed over documents to sign and return. I returned the documents the same day. I was told that it would take XXXX business days up to XXXX business days. I called back on XX/XX/XXXX and was told by a Regions Banker " I 'm sorry that you thought it took XXXX days '' ... In addition to speaking to over XXXX Regions Bankers in a XXXX week period, I 'm still coming up with the same answer, " There 's nothing in the system about your request ''. " It can take up to 10 business days ''. " Please hold for XXXX minutes ''. " XXXX XXXX, there are no notes in the system, your dispute is still pending '' ... After XXXX weeks. I 'm still empty handed. I received a letter in the mail that told me to return the information within XXXX days of filing my complaint or my request will be dismissed. After looking over the letter, I realized that these were the same questions that I have already answered. 

When calling this past weekend, I was told that your office had not received the information that i faxed over on XX/XX/XXXX, and then again on XX/XX/XXXX. When I was adamant about returning the documents, the representative finally put me on hold again. She came back to say ask, " What time did XXXX fax the information ( on XX/XX/XXXX )? She locates the information that I initially faxed on XX/XX/XXXX. I was then told that it 's being expedited, which i 'm not understanding because I have already reached my XXXX business day. The representative old me to give an additional XXXX business days ... This has been the biggest inconvenience for me. I had to spend additional money to rent a car and borrow money to compensate for the money that should have been in my account. Your policy on disputes is the worst that I have EVER encountered. The communication with the customer service representatives and your fraud department is awful. Your bank locations and ATM 's are a huge inconvenience and this has really pushed me to close my account and go elsewhere. I am passed disappointed in the customer service and your policy for my situation. This has literally had me scrapping up change. As of Friday, I had a utility disconnected because I have yet to receive my {$150.00}. This disconnection also comes with a {$75.00} re connection fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have a personal line of credit with Regions Bank. I had a late fee put on my account that was also reported to my credit. I never received a statement in the mail. They say they sent it, but I did not get it ( the US Postal service is not a 100 % guaranteed delivery service ). Also, I do all of my banking online. They are the only bank I have that still requires mailing service ( they wo n't even let me pay my bill online from another bank ). They also do not allow me to view my statement for this account online. Also, when I logged into my online account, my account showed a {$0.00} balance. The only way I was to know I had a bill due was to get the statement which I did not get. This bank is XXXX of the largest in the XXXX. There is no reason I should n't have access to statements online, for them to correct their system so when I have a balance due, it actually shows a balance due on my account. I called and emailed them and they pretty much said " not our proble. We mailed you a statement. '' It is their problem in the Internet age I can not have full access to my account. I have problems with the postal service because they confuse my address with another person and sometimes I do not get my mail which is why I do all of my banking online! They reported my late payment on a fee I was unaware of. They need to update their system and remove the XXXX late payment I have ever had posted 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 2015-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
An employee stole my daughter identity and went to regions bank of XXXX and opened up a business account added my daughter and her self on the account my dauther had no knowledge of this bank address in where account was opened is XXXX XXXX XXXX XXXX XXXX fl XXXX contact person foe the bank that know what happen is XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 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: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
During the month of XXXX XXXX i purchased XXXX prepaid sim cads for XXXX telephone lines from XXXX. XXXX for me and other XXXX for my wife and XXXX daughters who was supposed to come to USA in XXXX XXXX. Since only my wife and XXXX daughter came Subsequently I spoke to XXXX and got XXXX line cancelled. Since i found the XXXX was very expensive in month of XXXX I spoke to XXXX and got other XXXX lines also cancelled .Their after in XXXX of XXXX XXXX i received the final bill from XXXX. Before I make the final payment of {$60.00} I contacted XXXX and inquire about the final bill ask is their any money that that I owe to XXXX the representative confirmed that {$60.00} is only amount due. I made this Inquired in the past too some years before I had same type of claim of claim from XXXX which I paid in vain.I paid the final bill by cheque and sent under certified mail.The final payment cheque has been realized from my bank a/c Their after later part of the year the XXXX credit reporting company inform me that my personal information provided to XXXX has been hacked. 
In XXXX XXXX XXXX i received a bill from XXXX for an {$240.00} as amount due to them. I immediately contacted XXXX and informd the hall story. The Representative confirm that its a hacking story story is true and its frodulant matter and she will forwrad case to the special comeete set up for and that they will contact me. Since they did not contacted me I contacted XXXX XXXX dyes XXXX XXXX and XXXX/XXXX/XXXX both days they informed me that they will contact me but they never. 
XXXX/XXXX/XXXX I received a letter from collecting XXXX named south west credit demanding me to pay & XXXX.I contacted XXXX again on XXXX/XXXX/XXXX they said that they need to open my a/c wanted my pin no. Which i could not remember, They said they will send me a temporary pin still I have not received yet. The collecting ajancey contacted me several times and demanding the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I received a letter stating I owed a debt and this was the first notice I have ever received on the matter. The letter just states that I owe a debt, it does not include a date of service or any helpful information to help me do my research. I have a family member who experienced the same thing and am starting to suspect this is a tactic to gain additional interest. I ca n't help but wonder how many other people are paying outrageous amounts of interest due to never being notified that anything was owed. Though at this point, I can not even verify I owe anything as I was n't given any information. The letter is from an attorney, which I believe is meant to be a scare tactic ; but the amount is so high, I just ca n't believe it is a true debt. I think their business practices should be looked at more closely. I sent the attached letter to the collector as well via certified mail. I waited a week to submit my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX Associates called me and stated that I owed a bank I no longer have an account with ; they stated that I would be served a summons. I contacted the creditor and they have no record of an outstanding balance owed to them. I informed this business when they called that according to federal law that they are supposed to mail me a letter withing 5 days and included in that letter they are to state that I have 30 days to dispute which is in accordance of the FDCPA. 

I further told them that they are no longer allowed to call my home, cell or work until I recieve from them the letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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:
XXXX sent an unpaid portion of a final bill to collections and I accepted a settlement offer and in return for cashing the check it was agreed upon that they would remove the item from my credit, they cashed the check and left the item showing unpaid and open on my XXXX report,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NATIONWIDE ACCEPTANCE LLC
State: GA

Complaint narrative:
I sent Nationwide Southeast a Fraud Affidavit on XX/XX/2016. As of date, they are still reporting information that do not belong to me on my XXXX and XXXX. I have also sent this same Fraud Affidavit to XXXX and XXXX and they have not removed this account from my credit file.

Company response to consumer: Closed with explanation