vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I wen to the Huntington Bank to open my first checking account as an adult and for reasons unknown I was denied for whatever reason, I did have one when I was XXXX but that was left in good standing, So I submitted a request to check systems and they had absolutely nothing on me. I have not had an account in at least XXXX years, I am a young women who has a very hard time and now am trying to get my life in order. IM engaged to the man I love and we want to become first time home buyers. However this is hard to do when I seem to have thing holding me back from opening a simple checking account. I honestly feel that I have been discriminated against and I feel that I should be given just a little credit as I really am trying to better not just my own life but my children 's as well.. 
I would be very grateful to any on that can help me with a little help. 
Thank You Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Today I discovered a negative credit item a had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Netspend Corporation
State: TX

Complaint narrative:
I have requested a copy of my statements for a closed account numerous times and they are sending out the wrong statements. The account is a closed Ace account and the crd no for this account ends in XXXX. I need XXXX and XXXX and that 's it and for unknown reason they are sending me different months and different years. I need them to be sent my email XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I am not happy with Green Tree. We have a loan and have paid it perfect. For the last ten years we paid them through our bill pay at our bank. Now, for the payoff and last payment they will not take that method of payment. Their response is " You HAVE to send a wire transfer or check by mail. '' I 'm XXXX and it 's difficult for me to go to the bank. They say it 's because the payment needs to be transferred through a different location. I tell them that 's their problem as it 's internal. I want to make my payment in good faith. They refuse my payment and give me no help at all. I use my bill pay or my debit to pay them usually.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ESCALLATE, LLC
State: CA

Complaint narrative:
I called to ask about the account that I saw in collections and informed the company that they had the wrong address. I never received the bill. I did n't know what it was. I asked to have a bill sent to me so I could review it. I was told that if I did n't pay immediately it would stay on my report no matter what. I ended up paying for it and I 'm not sure if it was my debt. They would n't give me the doctors name or anything. When I contacted the original creditor they did n't have my information. No social security numbers nothing. I 'm not sure who I gave my credit card information to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: NJ

Complaint narrative:
Our son was taken to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2012 as an ER visit. We had insurance through XXXX XXXX at the time and the hospital failed to submit the claim to our insurance company, and has been asking us to pay out of pocket for the services even though the services were covered under our insurance. XXXX says they submitted a claim for {$1200.00} to the insurance company, and when I asked XXXX to explain to me why it was denied, they could n't provide a reason other than simply saying that it " was n't paid '' ; I believe it " was n't paid '' because it was never sent out not to mention that XXXX has no record of this claim amount for XXXX 2012 for our son. 

My husband I followed up numerous times with the hospital asking them to resubmit the appropriate paperwork to the insurance and they never sent the claim to the insurance, even though they reassured us they had. We tried everything possible to get the XXXX parties connected and appropriate documents sent over, but we are the middle men. I spoke with XXXX at XXXX today, and she confirmed that the only claim they received for our son for services in XXXX 2012 was a claim totaling {$670.00}, of which we were responsible for {$250.00} ( {$220.00} deductible amt + {$30.00} co-pay ). XXXX does not show any claim for {$1200.00} ; therefore it was never sent/received.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I have requested several times that this company send me formal debt validation. I am allowed under the Health Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third party parties, I did n't give permission to any of my current or prior providers to release any medical information to this third party. Please also note that withholding that information that was received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 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: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
I found a {$3000.00} collection notice on my credit report, but it is not mine as I have never had a XXXX account. I notified Amsher on XXXX XXXX, 2016 through their website, but I did not receive a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
Improper debt collection amount

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
They are reporting on my credit twice. They are aware of it and say they wo n't do anything about it until I pay off the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: GA

Complaint narrative:
my husband and I are having hardship now we are two payments behind on our payments aand Selene finance wants us to pay over a thousand dollars and XX/XX/XXXX payment of XXXX and tis is not possable for us, we also found out that they have our loan now as being over XXXX after all 19 yrs, we started out in 1997 with only XXXX Ica n't understand how they did this to us. please try and help, thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: GA

Complaint narrative:
Following a series of financial hardships due to medical and work slowdowns, we were working with Selene Finance on a modification of our mortgage. 
We begin discussions with them on XXXX/XXXX/16 at which time we were assured by Selene that any other action would be placed on hold. We completed the package and returned to Selene on XXXX/XXXX/16. Without knowledge to us, the home was sold at auction on XXXX/XXXX/16 despite having been reassured multiple times that this action was placed on hold. On XXXX/XXXX/16 we received an eviction notification from the new owners of our home for 8 years where we have raised our family of XXXX children. Also on XXXX/XXXX/16 we received approval of our loan modification from Selene. Over the full course of attempting to work our a financial arrangement, we were moved from department to department and even had to deal with multiple law firms representing Selene through the process. Following this notification, we emailed and called Selene without response. When we indicated that we believed they had failed to honestly and legally represent themselves. We received a secure email link within the hour that contained a very intimidating letter that was not only factually incorrect, but written in a legalese that is difficult to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: POPULAR BANK
State: NY

Complaint narrative:
This is my third complaint since I opened an account with ELoan ( three months ago ). The issue is with the interest that is compounded incorrectly each month and then transferred into my outside account. The interest for XX/XX/XXXX and XX/XX/XXXX was corrected in XX/XX/XXXX and documented in a letter to me from XXXX XXXX ( Customer Care Popular Community Bank ( no phone number or address on the letter ). The current issue is the XX/XX/XXXX interest which is short. I ca n't imagine any reason why a bank ca n't calculate the correct interest on an account unless they have their computers set to defraud their customers hoping they wo n't become aware of the discrepencies. XXXX XXXX informed me in his letter that I could not close the account ( the best resolution to the matter ) unless I accept the applicable penalties.

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 2017-01-20 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: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX, XXXX, a company that I 'd been with for 8 years, and whom I only quit because a salesperson who sold me a new phone committed fraud during the sale, claimed a debt of {$31.00} to my account after it was closed. XX/XX/XXXX, the debt came to my attention through personal monitoring of my credit on both XXXX and XXXX from an XXXX Credit Report. The information from XXXX stated that a company called Amsher posted the debt. After contacting XXXX, and submitting a complaint, XXXX then reported the anomaly. XXXX later claimed validity of the anomaly from information provided by " AMSHER ''. I contacted XXXX regarding the debt and requested any and all associated information. They informed me that they no longer have any record or information regarding said debt. I also contacted agents at Amsher who could neither verify information, or confirm the debt and by XX/XX/XXXX, I believe, I visually confirmed that it was removed from my credit reports at both XXXX and XXXX. In about XX/XX/XXXX or XX/XX/XXXX it re-appeared from a different debt collection agency named, '' XXXX ''. I contacted XXXX at that time and confirmed with them that it was the same debt which had clearly been sold to the new collections company and that I would need to again contest it. I did and never heard anything more from XXXX. It has not re-appeared on XXXX at all. I 'm XXXX. Further, now XXXX is making me jump through hoops this year to get a copy of my credit report. I 'm not at all happy. I 've been trying to teach others about managing their personal credit, but where 's the incentive to manage personal credit if there 's nothing the consumer can do to correct false reports?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Solutions To Portfolios, LLC
State: CA

Complaint narrative:
XXXX XXXX, claiming to be from STP assoiciates continues to call me at work and call several relatives. I told them to send a debt validation letter and to only communicate with me via US mail. She refused, saying she could call who she wanted, and that this would be a criminal complaint. I reiterated that if there was, indeed, a debt owed, that she should send me a debt validation letter via mail, and she said she would 'just send a summons ' and hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 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: NY

Complaint narrative:
These people have been calling for about 10 years looking for a XXXX XXXX, y name is XXXX and I do not know a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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: KS

Complaint narrative:
The firm EOS CCA in XXXX, MA contacted me saying I owe thousands of dollars to a phone company I have never used. I mailed them a dispute letter. In response they mailed me a copy of a bill, which is clearly not mine : incorrect last name, incorrect location of residence, account number I do n't recognize, service provider I have never used, etc. The evidence shows the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 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: GA

Complaint narrative:
EOS CCA put a collection account on my credit report without sending me any information so I can file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 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: PA

Complaint narrative:
XXXX XXXX XXXX had an outstanding debt for {$710.00}, which was news to me. I learned this information in XXXX XXXX and further found it to be true when I located it on my credit score. 

Having disconnected my account with XXXX XXXX XXXX in XXXX XXXX when I switched to cheaper rates with XXXX XXXX, I decided to investigate the claim XXXX - In contacting XXXX XXXX XXXX, they told me that I had a delinquent bill on XXXX XXXX, XXXX and reiterated an amount of {$710.00} ; however, they were unable to provide me with physical proof of said bill as the finance department can only send a hard copy of an account 's bill to the address on record, which, they told me, was in XXXX. Having never XXXX lived in XXXX, I found this quite odd - and, furthermore, I was unable to acquire the exact address ( as they can only verify the address and not actually tell me what they had listed ). 

So, right off the bat, I 'm prevented from receiving a physical copy ( in any format ) of the actual, original delinquent bill for which I 'm being charged. Personally, I was curious how a phone bill could reach {$710.00} without being shut off, but, having a claim against me, first and foremost I would like to view the claim and its details. This, according to XXXX XXXX XXXX, is impossible for me. 

Therefore, I find this claim to be fraudulent as it is n't quantifiable in the any physical way ; though it does n't end there ... 

XXXX - I tracked the creditors that have since purchased this specific debt, which includes XXXX in XXXX XXXX and XXXX XXXX in XXXX XXXX. Neither of these credits felt obligated to contact me XXXX or, they contacted the mysterious XXXX address to which the bill belonged XXXX ; on top of that, they changed the total of the debt from {$710.00} to the obligatory amount of {$840.00} XXXX for their hard work, I presume ). 

XXXX the final knife in the fight, AFNI has been in contact with me since XXXX XXXX, offering a settlement to a debt I had n't been aware of. They seem to be the XXXX in the bunch to actually locate me and inform me of this debt, though I 'm not even certain that I am the XXXX XXXX they 're looking for, as I can not get a hard copy of the original bill and debt - presumably because that debt belongs to someone that lives in XXXX. 

I find everything about this debt to be fraudulent, from the fact that I can not see a copy of the bill and its contents adding up to such a massive sum for a phone bill, to the numerous negligent creditors that have tossed the bill around, to the final creditor that has placed it on my credit score XXXX as of XXXX XXXX, XXXX years after the supposed debt was accumulated ) and offered settlement. There is a massive negligence in the way this account and its debt has been handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: IL

Complaint narrative:
I have asked AFNI Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited a check for {$19000.00} in my Regions checking account. The bank put a hold on that amount. Then the subsequently put another hold on my account for the same amount. This resulted in completely draining my bank account. My current balance is now - {$15000.00}. I went to the branch that put the hold on the check and they tell me that fraud prevention put the hold on the check. I asked them to explain how they can put two holds on same check and take money they did not give me out if my account. Their response - come back on Monday. Fraud prevention is closed and there is nothing we can do. So I can not even buy food because they are incompetent. The customer service representative refused to escalate or do anything. So we XXXX up and took all of your money and we are n't going to do anything until next week because its inconvenient. How can they put two holds on the same check and take money out of my account when they never gave me any money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a HELOC with Regions Bank XXXX years ago. I borrowed essentially the entire credit line, and I 've been making timely payments since then. Recently, I noticed that I was charged an " Inactivity fee '' of {$100.00}. While I took note of the fact that inactivity fees were listed in my agreement when I signed it ( and this is typical of all HELOCs ), Regions Bank has decided to interpret the meaning of " activity '' in a new and deceptive way. Even if your credit line is fully in use, they will charge an " inactivity fee '' if you do n't take a *new* advance each year. 

I believe that this is a deceptive practice at a minimum, and may violate the terms of my agreement, as it expressly does not say that a " new '' advance must be taken each year -- only that there must be an advance each year, which I interpreted to mean that my line is in use, given that this is an " inactivity fee. " I believe that Regions Bank is defrauding all of its HELOC customers by charging this fee, and that their actions are based upon a questionable interpretation of their contract language which actually constitutes a violation of their own agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was denied a loan modification from my bank. I was not given a detailed explanation over the phone by bank representative XXXX. Also I did not receive anything in the mail about my loan modification being denied. If I did not call in to ask I would have not known anything. XXXX said they have to mail me a letter because she could not see a denial letter in my file that she could have emailed to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief