vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-11 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I returned my vehicle to Hyundai Finance and was told by the dealership that since I had Wheel and Tire insurance that I paid for monthly I would not incur any damage or wear charges. After turning it in, I have received a {$600.00} bill from Hyundai for rims, tires, and " bumper damage ''. They said they took pictures and placed them online and the damage was severe. At the dealership we walked around the car and the dealer said he saw nothing that would involve them charging me after the case for wear and tire in excess of normal. He said the rims and tires were worn and would be an issue if we did not have insurance, but since we did we were good to go with turning it in. Had I known that the insurance would not cover this when turned in we would have had it replaced first while covered, then turned the vehicle in. They are squeezing money out of us when we were paying for the coverage. We were told something by a representative of their company that apparently contradicts what they now say.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Razor Capital, LLC
State: OH

Complaint narrative:
In XXXX 2015, I received a court summons from XXXX XXXX XXXX for a debt. I responded via certified mail within the XXXX time frame asking for proof of the debt and for more information. I received no response. The week of XXXX, XXXX/XXXX/15 I believe it was, I received another court document from XXXX XXXX XXXX asking for a motion of default judgement against me. I was never contacted by Razor Capital, their client, nor was I ever contacted by XXXX & XXXX before receiving a court notice in XXXX. I have called multiple times and asked for the person named in the documents and he is never available. I have never even been given the opportunity to try and settle this claim. No reasonable offer has been made. There has been no communication other than XXXX court notices. I wish to avoid court if at all possible by I have never been contacted to try and work anything out. How can you threaten someone like this? Most companies send multiple letters or correspondence trying to resolve their issues before taking things to this level. I do not understand how people can do business in this manner. I looked up Razor Capital and they have numerous consumer complaints against them for collection efforts. Is this why they felt the need to send a law firm after me? If this debt is in fact valid, I would like nothing more than to come to a fair solution for both sides. All I 'm asking for is communication besides being threatened with court notices. Ca n't this be settled in a civilized manner?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
The purpose of this complaint is based on a rejected loan application to the following : THE CASH STORE - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX Application was completed in person on XXXX XXXX XXXX at XXXX and was rejected. 
Previous application was submitted on XXXX XXXX XXXX and was rejected. 

Demographics for the applicant are the following : XXXX Veteran, XXXX XXXX income only XXXX, over XXXX, no XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I had 2 loans with a company called XXXX XXXX in XXXX Nc. I paid my loans off. AFTER my loans were paid. XXXX sold the company, ( not my loans the entire company ) to a company by the name of mariner finance. Now mariner finance is reporting to the credit bureaus that I have 3 unpaid loans and I owe them money. After disputing this on my credit report 2 where somewhat fixed but a third still remained. So I disputed it again only to have them remove the 2 paid loans and leave an unpaid loan. I have proof that I paid the first 2 but not to mariner bc I paid it to XXXX XXXX before the company was sold. I have nothing with the name mariner finance on it bc I have never done business with these people. all account numbers were changed after the company was sold. So the account numbers I have do n't match. Furthermore they claim there were 3 loans and I only had 2. How can I provide proof the loan never existed, if it never existed? Upon contacting mariner finance I was told they would settle the loan for {$700.00}. But I do n't owe them money! I feel like they holding me hostage with my personal info they bought from another company. This is not right and these bullies should be stopped.

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 2015-07-28 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I told them I do n't get paid till Friday but they wo n't wait they want to take it out on Wednesday they purposely are going to bounce my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TrueAccord Corp.
State: OH

Complaint narrative:
I am being contacted that I owe a company money who I never heard of, it is for a product I bought once but paid then and there so I 'm confused to the price of what it is saying i owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 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: AFNI INC.
State: MN

Complaint narrative:
I received a call from AFNI stating that I have an outstanding debt from XXXX in the amount of {$470.00} from account XXXX from XX/XX/XXXX. I explained to them that it could not be me and that I had closed my account which has a different number entirely of XXXX XX/XX/XXXX due to switching carriers. They asked for the last XXXX of my social security number, which I provided and they said yes, that is what we have on file. I then provided my entire social security number and they stated that this was the number that they have attached to the account. I was then told to file a police report, but per my credit report, this was not on my credit so I did not feel it necessary to file a police report for identity theft. I was given a contact for XXXX XXXX and spoke with a gentleman by the name of XXXX who stated that the social security number attached to account XXXX was not my social security number and that he believe it to be a clerical error on the AFNI 's part. I asked if he could conference and he stated that he did not have the ability to do that. I called AFNI back to inform them of what I was told by XXXX and they stated that the social security number they have is what was provided to them by XXXX. I spoke with a supervisor by the name of XXXX who stated they would flag my account for possible fraud and would contact me with further information. Also, I have never resided at the address attached to the account. The address they have is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. I have resided at my current address for almost 6 years. I waited two weeks before contacting AFNI back for status and when I called, the representative I spoke with stated that the current status was that they were waiting for me to file a police report. I told him that his supervisor was supposed to be flagging the account for fraud and that I am not going to file a police report because my identity had no been stolen. he transferred me to his supervisors voicemail and I have yet to receive a call back. I have sent them a certified letter with a receipt request asking AFNI to validate my debt and I now have the Minnesota Office of the Attorney General involved. They mailed letter to both XXXX XXXX and AFNI on XX/XX/XXXX. I feel as though AFNI obtained my social security number because I provided it to them. I have researched this company online and it seems as though they are not very honest with their attempts to collect debt. This company should not be allowed to operate if they are trying to collect debt dishonestly. This debt is not mine and they are not willing to help in any way. AFNI and XXXX are pointing the finger at each other putting the blame on one another. Meanwhile, I have been doing all of this footwork to prove that this debt is not mine and never has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I checked my credit report and there is a company called XXXX on my report stating I owe them {$1700.00} for what I do n't know. I wrote XXXX and they said to write XXXX, so I asked XXXX to validate the debt, they sent nothing to me. Then I wrote XXXX and asked them to remove the mark from my credit report and they will not, the keep saying XXXX satisfied them that this was my debt, so I in turn asked XXXX to send me the information they have from XXXX, since XXXX will not send me anything. XXXX refused and told me to call XXXX ... ... .I told XXXX I do n't called bottom feeder debt collection agencies and that I had previous sent mail requesting validation XXXX times since XXXX XX/XX/2014 but XXXX is keeping this bad mark on my credit report and will not remove it. Of course XXXX and XXXX are in cahoots to scam money out of hard working people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 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: NY

Complaint narrative:
I have disputed the claim that i owe XXXX a bill and it was deleted per a XXXX dispute i have made several times in XXXX and again in XXXX, per the FDCPA, the creditor had 5 days in order to let me know in writing that the debt is being reinserted in my credit report.I just received a letter from AFNI that I owe them a debt that was deleted from my credit report due to a dispute with XXXX via XXXX direct dispute. This has been disputed and removed several times. I divorced in late XXXX and explained to both XXXX and afni that this was a joint account, I also provided XXXX with a divorce decree and it was deleted. I do n't understand why I have XXXX instances of the same thing reappearing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have been a customer with Regions Bank since XX/XX/XXXX. I opened this check account in XX/XX/XXXX. On XXXX XXXX, XXXX my checking account was debited XXXX times for {$190.00} for XXXX XXXX XXXX purchases. I noticed these charges on XX/XX/XXXX and immediately went into a Regions XXXX on XXXX XXXX and filed affidavit charges. They explained to me the charges could take 7-10 days before they are reimbursed. I let them know at that point I had been a customer since XX/XX/XXXX. 
There were also charges pending for {$180.00} XXXX times from a company called XXXX, and a {$60.00} charge from the same company. I filed a second affidavit XX/XX/XXXX for XXXX charge of {$180.00} that had cleared overnight. I went back to the bank and withdrew my remaining funds before the crooks continued to clear out the rest of my money. I was told at that point that I did not need to fill out a XXXX affidavit for the remaining charges. On this day XXXX XXXX, XXXX I have still not been refunded for all the fraudulent charges. I have notified the police in my city and have a case number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AFNI INC.
State: NC

Complaint narrative:
XXXX is billing me for a 2011 charge that is incorrect. Called my renter and scared them into paying the bill. Gave them all my personal information even secured my SS # with them!! I need help this is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX, contact number XXXX ( M ) or XXXX ( O ). 
I get an equity loan from Regions bank with an amount of {$110000.00}, funded on XXXX/XXXX/2016 ,@4.25 % rate for 15 years, monthly payment sets at {$850.00}. I determined to pay off in 5 years and signed agreement to pay {$2000.00} each month, effective in XX/XX/XXXX ( deduct is expected to be effective on XXXX/XXXX/2016 ). I opened checking account and funded with direct deposit to cover monthly auto deduct for paying my monthly dues. Payment kicks in from XX/XX/XXXX 2016, so I made extra payment of amount of {$1200.00} ( plus {$850.00} which suppose to be deducted for 15 years ) to become {$2000.00} for XX/XX/XXXX payment. 

Regions already set up auto deduct XX/XX/XXXX of {$2000.00} by mistake, this problem is already solved. Then I expect XX/XX/XXXX payment should be auto deducted. I have {$4100.00} in my checking account as of today. However, auto deduct did not become effective in XX/XX/XXXX. I made so many calls reporting this, but problem is not solved. Regions is so arrogant in handling this case by demanding me to start auto deduct in XX/XX/XXXX, I DO NOT agree. It is a trap. 

By delaying monthly payment will lead my to pay more interests, I already set funds aside for paying my dues ; and bank breaks the agreement first and refuse to correct it. This could be a practice leading customer to pay more interests by showing a " nice '' delay to good customers. 

CFPB should investigate such wrongdoing inside Regions bank. If I do n't stop them today, by delaying one month, I will end up paying much more of interests. I already spent so many times on this issue, I expect bank to have a solution or settlement with me. Here I report this to CFPB and like CFPB allows me to ask for pausing payment until an action is taken. Meanwhile, I will make monthly payment, not to let my account to become default.

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 2016-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
My bank holds transactions for days in order to cause overdrafts and assess fees to the account. I was just told it does n't matter how and when you spend the money, they will post the transactions the way they want to. I was also informed that there is no way to ever get an accurate account balance because of this. I have done everything in my power to prevent this, yet my bank refuses to acknowledge that they hold the payments. I made a cash deposit that covered both of these transactions and was still assessed a late fee when my account was not overdrawn.. additionally they charged me XXXX to transfer XXXX from my savings. the fees caused the overdraft on my account, not my transactions. I do n't feel this is fair that I 'm held liable for their systems errors.

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 2016-07-28 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: CT

Complaint narrative:
I do not know who this collection agency is or why they are demanding {$530.00} from me. I checked my credit report and this company appeared on it as a derogatory account. I have not received any correspondence from this company. It just appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 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: FL

Complaint narrative:
I recently reviewed my XXXX Credit Report and viewed that AFNI, Inc. placed a collection record on my credit report. I tried communicated with AFNI, Inc. and was unable to resolve the matter. They are alleging that I owe {$550.00} to XXXX XXXX XXXX. I requested a validation of debt and which they are not able to provide me. I have filed XXXX complaints with CFPB with XXXX prior Debt Collection Agencies trying to obtain this amount that I do n't owe. I do n't have XXXX XXXX XXXX XXXX. The case # are XXXX Sunrise Credit Services and Case number : XXXX Receivable Performance both Debt Collection Agencies replied that they cant provide the validation of debt and immediately removed the record from my Credit Report. The reason why they cant provide the validation of debt is because I do n't have one. It is obvious that these debt collection agencies play games and pass these alleged debts to one another in attempt to collect money that is not owed. AFNI , Inc. is proof another debt collection playing in this game and using threatening and scare tactics to collect money that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
I went through XXXX school to achieve a better life through the use of my education. When I got my XXXX I used it for almost two years then I ended up with XXXX in both XXXX and had XXXX. I lost the full use of my XXXX and became impaired to do the job that I was certified to do all while going through some intense life situations, I almost lost my house, I lost my job, I now have additional medical issues that inhibit my life severely and they are not likely to be resolved in my lifetime and finally bankruptcy. Two years ago in 2014 my bankruptcy was finalized. It has been 2.5 years and the loan was recently acquired by a collection agency. Just within the last month they have consistently and aggressively contacted me to tell me that they were going to do a charge off. That this is the " Final Demand Notice ''. I am also currently responsible for a $ XXXX federal student loan that I have been making 18 years of payments on and the net of the loan has never decreased. At this point I am in a black hole and I do n't foresee light for many years if at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 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: AFNI INC.
State: IL

Complaint narrative:
I did not sign any contract with the XXXX and when I cancelled my service they asked me to pay the penalty for breaching the contract which I never sign so the ... .I am willing to pay the dept if they have any proof that I owe them this money ... .thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I live in a condominium. My mortgage provider ( New American Mortgage ) requires proof of HOA insurance. The mortgage provider sent a letter ( via post ) that stated that since they did not have this proof, they were going to purchase the insurance and charge me for it. My complaints are:1. The notice was sent by post, not email ( even though I have signed up for all contacts via email ). 
2. There was nothing in the letter that indicated there was any grace period ( it was dated the day after the prior policy expired ). 

When I complained to the mortgage company, they told me that they had to mail the letter, could not send an email, and that the verbiage was dictated by the CFPB. 
If this statement is true, then I would like the CFPB to change their guidelines to allow email, and allow the specification of a grace period. If this is not true, then I would like the CFPB to make it clear to the mortgage providers that they have these options ( I would also like to know so I can call their bluff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: FL

Complaint narrative:
National Biweekly Administration has debited money from my account and not paid my mortgage. They have not refunded the money. They have not answered calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Payment to acct not credited — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
we keep getting charges for a mothly automatic payment that we make from our checking acount on XXXX XXXX to a saving account in Bank of the West that is being used from this bank for payment to a line of credit loan with the same bank. 
We are being charge for " not sufficient funds '' even though wehave proof that a payment had been made on time from XXXX XXXX to Bank of the West. 
We have tried to resolved this both via telephone and in person but are being told to wait and have not had these charges reversed. It has been seven days.

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 2015-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: MT

Complaint narrative:
I do not owe this debt. I did not create this debt. I would not have needed alltel in 2010 because it would not be good coverage for XXXX XXXX, Mt, where I lived, nor did I need alltel as my home pH has been XXXX XXXX XXXX for XXXX years plus. 

Please contact me at the XXXX year old number. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MtXXXXXXXXXXXX

Company response to consumer: Closed with explanation