vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Last weekend I went to visit my wife and child in VA. While I was there I rented a car. The rental company put a " hold '' on {$100.00} in my bank account. I had the car from late Friday night ( XXXX ) until early Monday morning ( XXXX ). Over the weekend I used my debit card several times for smaller items, most under {$10.00}. On Monday when I returned the car, the company put all the money back in the account except for {$37.00}. On Monday and the Tuesday following, I was hit with several overdraft charges even though when the charges came through there was money in the bank to cover the purchases. In total I was hit with XXXX overdraft charges totaling {$280.00} even though when the bills hit my account there was money in my account to cover the debits. 
The bank 's justification for charging me the overdrafts was that at the moment the card was ran the money was n't in the account. 
My question is how is it legal for the bank to charge overdrafts on me when there is money in the account when the debit comes in? I just want to be clear, there was no check deposit or anything like that, it was just a release of money the car rental was not using back into my 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 2015-10-26 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: CA

Complaint narrative:
Checking my Experian credit report last week, I noticed that there was " key derogatory '' on the report. A collection agency, AFNI , Inc, filed a key derogatory report stating that I have an outstanding balance of {$1800.00} for a debt owed to XXXX XXXX. However, I have never had any type of service or business relationship with Dish network. I have disputed the report with all XXXX credit reporting agencies. I also called AFNI to try to clear this issue up. After spending all weekend and today ( Monday XXXX/XXXX/2015 ) filling out online forms and waiting on hold to speak to a representative with the various credit reporting agencies I am still being told by AFNI that I have to call Dish Network to " PROVE '' that this is not my debt. AFNI gave me the address of the residence where the service was installed and the birth date of the person that ordered the service. The address that they gave me and the birth date were not mine. Both of these pieces of information are on my credit report. So, AFNI should have known from the start that this was not my debt. 
So my complaint is this:1. AFNI should have known that this was not my debt and so I believe that they fraudulently reported this debt as mine when as I say I have never had Dish Network service. 
2. I should not have to file a dispute or contact XXXX XXXX because of obvious errors that AFNI made in reporting this debt as mine. 
3. XXXX XXXX should not be allow to sell their bad debt to AFNI or any collection agency if they have not verified the identity of their customers to a much greater degree than have in my case. I believe that this is also fraud on XXXX XXXX part and grossly irresponsible. Why is it my responsibility to clean up their mess ... because they did not do a good job of verifying their customer. 
I would like to file a complaint against both XXXX XXXX and AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AFNI INC.
State: TX

Complaint narrative:
Spoke with representative and informed her that I was n't made aware of this really old debt and had n't been contacted about it. Now that I pulled my credit report I wanted to take care of it, only if they would agree to delete it from my report and send me something in writing stating that it was resolved and would be deleted. I specifically ask if paying the debt could get the debt deleted. The rep verbally agreed that once payment was receive that the XXXX XXXX XXXX debt would be deleted from my credit report and that act was misleading and deceptive. Now they are telling me that they are unable to delete it from my credit. I 've made several calls in attempt to speak to a manager ( XXXX and XXXX ) but somehow they are never available to take my call or some how the call is mysteriously dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 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: GA

Complaint narrative:
I currently have an account with XXXX XXXX XXXX XXXX, and have had this account for many years. According to XXXX XXXX XXXX XXXX, my account is completely up to date with no past due balances, and certainly no balances sent to collections. I received a letter from Afni, Inc. informing me that I owe {$310.00} to the creditor XXXX XXXX XXXX XXXX. I believe this to be a scam. Unfortunately, this collections agency 's scam attempt is showing up on my credit report and negatively impacting my credit. I mailed a certified letter yesterday informing Afni , Inc. that I dispute the debt. I would like to get this inaccurate information removed from my credit report as well. Please help! Thank you for your assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XXXX/XXXX/2015 I received a telephone call from Barclay Card XXXX. They advised me by voicemail that they wanted to verify my information for a recent credit card application. They provided me with an identifying number : XXXX and a return telephone # XXXX. I have never applied to Barclay Card for a credit card. I telephoned Barclay Card and was put in touch with a security consultant. She asked for my identifying number. I gave her the number. She returned to the line and asked me for my DOB and SSN. I told her that since she had pulled up my information, she could tell me the information and I would verify if was me. She stated she could not do that. I asked to speak to a supervisor. Another female got on the telephone and basically re- invented the wheel. She told me the same information. At this point I hung up. I went into XXXX XXXX and saw that a hard credit inquiry had posted on my credit history. Earlier this year, person XXXX XXXX ) unknown had attempted to get a federal tax refund by filing a false tax return using my tax information and the IRS and FTC indicated this was an attempt at identity theft. I woul appreciate help in getting this removed from my credit report. Again, I have never applied for a Barclay Card credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had some charges pending on my account and all banks process between XXXX to XXXX the next morning. I had a direct deposit pending on my account when I log in at XXXX on XX/XX/2016 and the charges were still pending. I said okay my deposit will hit so I am good. Was wrong the bank gets over and charges me 2 fees on the account when the deposit was there. They are wrong for this practice to get over on consumer and make money. Regions is the only bank that does this and I do n't think its right.

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 2015-08-31 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: CA

Complaint narrative:
There is a collection company listed XXXX on my credit file AFNI collecting for an XXXX bill # XXXX {$360.00} and then an account # XXXX {$0.00} unknown and false information listed. I would like to receive actual validation of a signed contract on these. Requested and disputed nothing received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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: OH

Complaint narrative:
I received a notification that an account that I had disputed was still on my credit report even after the company never responded from my original complaint over a year ago. AFNI Afni , Inc . 
XXXX XXXX XXXX XXXX, IL XXXX i NEVER DONE BUSINESS WITH THIS COMPANY. The account from XXXX has never been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.

Complaint narrative:
I received a prepaid visa from XXXX. The card expired but had a balance of {$50.00}. When calling the number on the back XXXX ( XXXX ) They said the money was gone and they could not reissue a card. I asked where the money went. They said " I would be only lying if I told you '' There seems to be no way to get any more information or resolution from them. 
XXXX basically gave them {$50.00} dollars in my name. 
I feel this is a scam as I tried to use the card before it expired at locations listed on the website, but the retailers I selected would not accept the card. 
Where did the money go?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: GA

Complaint narrative:
The mobile phone company ( XXXX ) had a breach in accounts and my account was ported to another mobile phone company ( XXXX ) without my consent. I had to work nearly two weeks with XXXX to get my mobile phone number and in that process figure out why this happened. A XXXX representative did confess to me that a number of XXXX accounts had been breached and information was used to open new accounts. After XXXX retrieved my number back from XXXX I started receiving letters from a collection agency saying I owed XXXX for a closed account. This was not a closed account because I still currently have services with XXXX using the same original number ( as of XX/XX/2017 ) and XXXX wrongfully assigned this account out for collection. I disputed the charges with the agency and to no avail were they willing to investigate or cooperate with XXXX. This account now has been assigned to XXXX different collection agencies without anyone attempting to investigate or resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: AFNI INC.
State: AZ

Complaint narrative:
I have never had at XXXX account much less want one. I have received a letter from afini collection in Illinois and so far what I Ave read about them they are either a scam or they are a third party debt collector. If them hey have my ss number and report them hey his them hey his own my credit then someone has either stole my identity or used my name and ss number somewhere without me knowing. This is not my debt as I have never had XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: American Credit Resolution, Incorporated
State: TX

Complaint narrative:
claiming that they a company called American Credit Resolutions and that they are going to arrest me if i do n't pay. 
I made the mistake of giving them my information. 
The original creditor : XXXX gave them {$200.00} i do n't think there legitXXXX XXXX XXXXAmerican Credit ResolutionsXXXX XXXX, Georgia XXXX is the new number

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
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Re : XXXX XXXX XXXX, LVNV Funding LLC . 
Amt : {$710.00} Reason : Unable to verify charges, identify location of debt, pay debt with reasonable effort. 

I am disputing the charges for this account, as I am unable to reach anyone to question or resolve this collection account. Without reasonable explanation or proof that this debt is correct, I should not be held responsible for this. I am not sure that this is an account that I opened. I am currently paying off all outstanding debts which were accrued while unemployed. 
My credit report shows XXXX XXXX XXXX as a negative account, with a total of XXXX for the charges. I did open an account with them, however, the credit limit was {$400.00}. I tried contacting the phone number listed by XXXX, which is XXXX, to resolve this issue. I spoke with XXXX at XXXX XXXX XXXX, which informed me that she would transfer the call to XXXX to resolve the account. She did not have any information for me. 
Over the past several weeks, I have tried contacting XXXX, only to be placed on hold for several minutes by an automated machine, which would finally disconnect the call. I have not been able to speak with a live representative what so ever. 
I tried to take this further by contacting XXXX XXXX XXXX collections department at XXXX, but without an account number, I can not speak with anyone. I 've sent letters to XXXX XXXX XXXX with no response. 
XXXX listed a company by the title LVNV Funding LLC as the collection agency. When I tried contacting this company, they proceeded to tell me that I owe money for XXXX accounts, XXXX of which is a fraud account created in 2005. I do not believe that this company is creditable. As a result, I believe that this is a fraud account and should not be responsible for this. 
I am asking that this account be removed from my credit report as I can not reach or resolve this issue with reasonable effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Entered into a settlement agreement. Paid the agreed amount for a promise to remove. Paid amount full. Received letter stating paid in full. FCO continues to report an outstanding balance that I do not owe.

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 2015-08-20 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: NH

Complaint narrative:
I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2016 I submitted a complete Short Sale packet to Financial Freedom for review. They requested a new Property Appraisal by a 3rd party Appraiser of their choosing. On XX/XX/2016 the value came back at {$740000.00}. Based on the terms of the contract provided by financial freedom the appraised value will determine the acceptable purchase offer price which is XXXX % of that appraised value. An addendum with the new price of XXXX % of the new Value was submitted for approval in the amount of {$700000.00}. The note holder CIT group inc. was to give the approval within 2 to 3 weeks of submitted offer. Instead i received an email on XX/XX/2016 with no return or contact information that the appraisal had some Flaws? no explanation as to why the appraisal was not to their liking as i believe they are misinformed of the actual value of the property. The reason for this was a prior appraisal from a former offer from over 8 months ago by an out of area appraiser who gave a value of $ XXXX.with no consideration to the cost of repairs and its current dilapidated condition. That value was given as a hard number that was used and now that an actual and True value was given they cant accept the reality. I think this is acting in Bad Faith and should be reviewed by a second pair of eyes. This is the first time i have ever heard of the banks own appraisers value come into question. I feel this is not fair and they are acting in bad faith. I have informed the buyers to forward this complaint to their attorney as this is not a common occurrence and something definitely is amiss and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
The bank opened an account for someone other then me without obtaining my signature or iidentification card which resulted in an account being opened for someone other then md

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
While out of work and searching for a new job in XXXX, I proactively requested a mortgage loan modification from Roundpoint Mortgage ( XXXX XXXX because I was unsure how long my job search would last. 
I have never missed/been late on a mortgage payment in 30 years of home ownership and I did n't want to start then. 
RPM and I began a protracted, XXXX loan modification process characterized by having to resend the same paperwork multiple times and XXXX different points of contact that changed without prior notice. 
I made all reduced payments on-time as directed by the loan modification group. 
The net result of my loan modification was a $ 200+ decrease in my mortgage payment and I am totally current. 
During a review of my credit history in XXXX, I discovered that RPM had reported me to the credit reporting agencies as making late payments during the loan modification process even though I was compliant with all instructions from RPM. 
A month of calling and talking to many people at RPM ensued, and despite assurances that it would be taken care of, which yielded no results on XXXX XXXX, XXXX. RPM would not change their reporting me as making late payments. 
This is an unfair business practice. I followed all RPM instructions completely. 
I should not have to bear the brunt of what appears to be a communications gap between the regular mortgage and loan modification groups or a generally bad business practice. 
I request that Roundpoint Mortgage contact the credit reporting agencies ( XXXX, XXXX and XXXX ) and remove the late payment reports from my credit history.

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 2016-08-09 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: Summit A*R, Inc.
State: MN

Complaint narrative:
A fitness club had a clause in their contract saying if you cancel within three business days you are not obligated to pay anything. If you go past these three days then cancel you pay {$300.00} dollars or so. 

On the third day ( within the acceptable window ) I called in to the fitness club and asked what would be the appropriate steps to cancel the contract. They stated I have to come in to cancel, but since I called I can come in anytime that week that is convenient and not pay the fine. Upon arriving a few days later at the club I was given a business card and told to email the individual stating my wish to cancel. After doing so, the individual on the email stated I was pass the three day window to cancel and I owed {$300.00}. I responded with an email describing the situation - how a representative from the company gave me a verbal agreement that it was ok to come in later the week. I received another generic email, which did not dispute or even acknowledge anything I said about the verbal agreement, and stated I still owe {$300.00}. I sent another email asking to discuss this further over the phone because I feel I was apparently lied to and I do not believe that is an acceptable business practice to entrap someone like that. After no response back by email I called multiple times and left messages or a person at the club stated someone would get back to me. I never got any response back from the club. A few months later, I found a letter in the mail from a debt collection agency saying I owe them {$300.00}. 

Should I have done something different? Do I owe that {$300.00} to the health club? It appears like that was an entrapment technique. and the company refused to negotiate with me in good faith or even reach back out to me.

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 2016-03-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Someone opened an account with PENFED Credit Union under my name last XXXX 2015. I found out about this this past XXXX. I have called PENFED 6 times, faxed them my police report 3 times and have yet to hear from them with any followup from the Fraud Dept. I am very concerned that there is no follow up or concern for resolution with this issue.

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 2015-05-18 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: 2233 Paradise Road LLC
State: CA

Complaint narrative:
Cash Factory USA keeps calling at my place of work, even though I 've told them that I ca n't receive calls at work and have requested they stop calling my place of work. They have even gone as far as to call my personnel office looking for me.

Company response to consumer: Closed with explanation