vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
As a small business checking account Regions Bank, every day we review our account and found that the day XXXX XXXX, 2016, a charge of {$72.00} per overdraft, which did not exist, as is showed on the attached statement, call customer service and very kindly responded that we had a hold amount, which had led the charge and as a courtesy, they returned $ XXXX, as recorded the day XXXX, 2016, discussed and the response was take or leave. This is an unfair practices. We claim an full refund of the {$72.00}.

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 2017-01-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
i had a {$500.00} revolving line of credit with Regions bank. I paid it satisfactorily and decided to close it. i opened the line of credit XXXX and closed it XXXX the account number reporting on XXXX , XXXX , and XXXX XXXX XXXX XXXX. they call me still 3 to 4 times a day to try and collect on the balance that has been closed for the last 4 years. i have proof that it is paid in full and closed.

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 2015-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: NV

Complaint narrative:
To whom it may concern I just recently purchased a new house this XXXX 2015 and shortly after moving in we began receiving letters regarding a mortgage accelerator program. I called them and I decided that it made sense and paid upfront a sum of one mortgage payment which was XXXX. Now they are sending me emails indicating that they have been shut down. I am upset not to mention out a lot money. Do I have any legal recourse about getting money back thx XXXX

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 2015-12-23 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: PA

Complaint narrative:
Customer Service Collection : AFNI INC for XXXX I order this phone then decide i did not want phone so I sent it back ... .. First there said did not receive phone back ... .. that the charge ... .But then later on because kept bother me ... .They said the phone was turn on ... .so the charge was for early termination of contract???? But I return phone not open so how could the phone been activated????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Regions bank in XXXX XXXX, LA. I have had a several different bank accounts and have had several problems with them. My account is now over - {$230.00} due to overdraft fees. My account was low so the bank took a {$8.00} monthly fee to my account that was already- {$4.00} over withdrew so Regions then took - {$36.00} for them overdraws on my account made by them. 2 days after my account being negative Regions then charged me a {$10.00} rewards fee. and charges me another {$36.00} overdraft fee. Now I have credit company from Regions calling me everyday after I had explain that Regions has made {$160.00} just in overdraft fees. Please help! This bank has been doing unfair business to thousands and now is going to farther ruin my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 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: IA

Complaint narrative:
We did not have any account with XXXX and are charged with {$1100.00}. Not only we were charged but also our credits are damaged and we are reported to debt collector by XXXX. We explained many times to the debt collector AFNI and also managers of XXXX but they continued charging us and damaging our credits. 
Please help us restore back our credits which were damaged for many months and ask the XXXX and AFNI to give you the signed contract that we had with them with any copy of official documents we showed them during the time we signed the contract with them. 
Thank you for your help and we want the justice to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 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:
in XX/XX/XXXX I received a letter from regions bank which stated I had a certain amount of time to elect overdraft coverage. I assumed by not responding I would not have to do anything further since I did not want that coverage. In early XX/XX/XXXX my account was short by about XXXX dollars which snowballed into over XXXX dollars in overdraft fees. When I discussed this with a bank rep I was informed that I was automatically enrolled because I did not respond to the letter. I learned that regions was fined for this practice but is continuing to engage in this activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Account has been closed and kept being overdrawn.

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 2015-04-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: AFNI INC.
State: MI

Complaint narrative:
AFNI Collection agency has been calling me everyday XXXX times a day. I am currently paying them a set amount each month through a debt consolidation company. They are calling me after XXXX. They have threatened me by saying, " If you are unable to pay we have your employment/salary information and we may take further legal action ''. I explained that I am only able to pay what I am paying each month no more, no less. They did not start calling me until I started paying off of my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
A collection company lvnv is reporting XXXX accounts under collection that are zombie debts. LVNV created a reporting date of XXXX 2015 that is well past the statue of limitations for the collection of the XXXX debts. Additionally those XXXX debts were settled with the original lender through XXXX XXXX who your agency sued. I have sent certified mailing to all XXXX bureaus and the collection company demanding they remove collection from reporting, and to cease and exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a letter from this company demanding payment for a debt that I do not owe them. To my knowledge I have never entered into a legal binding contract with this company and they have never provided me with any good or services. I believe them to be nothing more than a debt buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I submitted a complaint to CFPB in XXXX XXXX against debt collector LVNV Funding LLC concerning a debt I deny owing them and after requesting in writing that they stop all communications about this matter, they have contacted me yet again on XXXX/XXXX/XXXX regarding this debt. This Debt is past the statue of limitation, which they acknowledge in their most recent letter, yet they continue to ignore my written request to stop all written and verbal communications. 

I would like the harassment to stop and I am asking your office to contact them and put an end to this situation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
I have had the alleged debt from XXXX XXXX sold to another collection agency. I have repeatedly asked for XXXX XXXX to substantiate the debt. My original complaint was dated XX/XX/XXXX transaction ID XXXX. A subsequent complaint was submitted XX/XX/XXXX. As I stated before " until XXXX XXXX can provide evidence of this debt, the movement from one collection agency to another should be terminated. I am repeatedly harassed by third party colleciton companies.?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This debit was removed by the original credit grantor. LVNV began reporting the debt with a false recent date. Contacting the company did not resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Nations Direct Mortgage, LLC
State: TX

Complaint narrative:
I just got a new home and our broker did our loan with a mortgage company in CA, by the name of Nations Direct Mortgage and it looks like someone in that company got in hold of my wife and my personal information including Social Security, income information and more and are starting to setup fraudulent credit account and utility services ( Wireless account ) in our name. 

My wife and I work in the financial system and we are extremely careful with our private information, after evaluating the address were the mortgage company is located and the address of the places the individual who stollen our personal information had comited the crimes we had come to the conclusion that the only place were our personal information was expose was at the mortgage company already mention. We had file a police report and we had start an investigation in order to find the responsible paerson.

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 2015-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Concord Resolution Inc (Closed)
State: OK

Complaint narrative:
Placing a order of validation. Call back withdrawal XXXX hr. Repetitive messages. Without saying who or what the derby is for. When you call back no answer or advise to leave a news. Sounded fishy so hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XXXX XXXX, 2016 I applied for a credit card with Penfed Credit Union. I received an email from Penfed stating that my XXXX credit report was locked. On XXXX XXXX, 2016 I removed the lock from my XXXX credit report. Penfed subsequently approved the credit card application. On XXXX XXXX, 2016 I again applied for credit with Penfed and received another email from Penfed stating that my XXXX credit report was locked. I contacted Penfed on this date and explained that my XXXX credit report was n't locked and asked if they could use the same hard pull from XXXX XXXX, 2016. The Penfed representative stated that they could use the same hard pull if it was done within a 90 day period. I proceeded with the application process based on the information provided by the Penfed representative. On XXXX XXXX, 2016 I again applied for credit with Penfed and received an email stating that my XXXX credit report was locked. I again contacted Penfed, as my XXXX credit report was n't locked and I was again informed by the Penfed representative that they could utilize the same hard pull within a 90 day period. Penfed has consistently informed me that they could use the same hard pull as long as it was within 90 days. On XXXX XXXX, 2016 I spoke with a Penfed representative who informed me that their system showed that Penfed only pulled my credit one time on XXXX XXXX, 2016. The representative stated that if I had a credit report detailing that Penfed pulled my credit after XXXX XXXX, 2016 that I needed to submit a copy of my XXXX credit report to Penfed and they would remove the inquiries from XXXX XXXX, 2016 and XXXX XXXX, 2016. I submitted this information to Penfed and also a dispute with XXXX. Both Penfed and XXXX stated that the inquiries were factual. I did n't authorize inquiries of XXXX XXXX, 2016 and XXXX XXXX, 2016, as the Penfed representatives informed me that they would be utilizing the XXXX XXXX, 2016 hard pull from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11 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: Real Time Group, Inc.
State: FL

Complaint narrative:
collection agency has tried to make attempts collecting a debt that was settled directly with the vendor months ago. They have contacted family members as well attempting to collect a debt that is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XXXX I entered into a contract to purchase my father 's house for the property at XXXX XXXX XXXX XXXX, KS Loan # XXXX. Freedom Financial ( FF ) is the reverse mortgage lender and FF was helping me to pursue a short sale. All of my siblings signed the contract as the sellers for the XXXX XXXX XXXX XXXX XXXX as FF required. My contract was scheduled to close on XXXX. FF hired an appraiser and FF and myself agreed to a {$150000.00} short sale payoff. The contacts at FF are XXXXXXXXXXXX and XXXXXXXXXXXX. FF filed a petition to foreclose on the subject property using a local attorney XXXX and XXXX XXXX XXXX XXXX of XXXX KS. On or about XXXX a very wealthy neighbor XXXX XXXX XXXX XXXX contacted XXXX, the attorney for FF. This very wealthy neighbor told my sister, XXXX XXXX, that he was able to stop my contract from closing through his contact at XXXX. XXXX told my sister he would have his friend at SandA tell FF to terminate my short sale because XXXX wanted to buy my father 's property. This powerful neighbor, XXXX XXXX is represented by XXXX XXXX XXXX as Shareholder XXXXXXXXXXXX. We continued to pursue the short sale with FF throughout the summer. A second appraisal was completed. Again, I and my family agreed to all of the terms to close with FF. XXXX XXXX, the attorney for XXXX XXXX filed an affidavit of equitable interest against the property to prevent me from closing. Today my short sale was cancelled. I feel that I am being taken advantage of by powerful lawyers and they are manipulating this lender Freedom Financial into denying my right to purchase my father 's house as the rightful heir. Can you please help me? We are scheduled to go before a XXXX Judge in XXXX. I have spent tens of thousands of dollars trying to defend my right as a consumer to purchase my dad 's house. All of my siblings want me to purchase my dad 's property. The wealthy neighbor seems to be pulling all of the strings. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Concord Resolution Inc (Closed)
State: KY

Complaint narrative:
Concord resolution has been harassing my phone, employers phone and other members of my family claiming that I took out an online payday loan over four years ago ( 2011 ). they are claiming that I owe the amount of XXXX XXXX and XXXX XXXX dollars. I asked for more information and received a brief letter stating the same information in which I was told over the phone.there are no details as to the date of the loan, the original amount and if and when any payments where made.i do not recall ever taking out a loan and after looking up this company each story is similar to mine saying this is a scam.please help to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I respectfully request full investigation and based on the information I have provided I request the LVNV FUNDING LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. LVNV FUNDING LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am not sure that this company is legit. I have been trying to contact someone for over a month to discuss an LVNV Funding account that is reporting on my file. I have not received any call back despite leaving XXXX voicemails and speaking with many representatives that continue to tell me that there is no direct line to whom I need to contact. I am a bit leary on this account. I want this account DELETED or be able to pay this account off!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: QC HOLDINGS INC
State: ID

Complaint narrative:
A debt collector called and said that they are collecting from a pay day loan company that we owe money to. We informed them that it was paid off years ago and they said it was not. They said that if we give them our debt card number that they would only charge us for a smaller amount rather then the whole thing. We said no and that is when all XXXX broke loose. He told us that he was going to take our car, license, bank account, house, everything. He also gave names and phone numbers of everyone in my family and said that he was going to call all of them. He did and used different names and different debt reasons. He also said that he has had people fallow us and has surveillance of everything we have done over the last 4 years. At this time we hung up and as soon as we did he call my father, mother and sister. At that point I called FTC and they had me talk to the FDCPA

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
A dispute in the amount of XXXX was filed with Continental Finance for an item I returned, not refunded by merchant. The rep who took the claim was provided with all relevant information ie date of return, reason for return, tracking number, response from merchant, etc.. However, they sent a letter asking for all information again. Please note, tracking information was provided a total of XXXX separate times, their letter asked for it again. The item is a pair of XXXX shoes that did not fit, the wrong size could have been sent. However, I do not know for sure because the size on shoes was not checked. This information was given to rep XXXX XXXX ) in dispute dept, was requested again in their letter. As you can see, they have done nothing in regard to this dispute except request information already provided to them. The dispute number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: MT

Complaint narrative:
A pervious acquaintance made a purchase from XXXX XXXX on credit. A collection company is now trying to collect the debt from me. I am not a party to the debt, nor have I ever been. I requested verification of said debt, and they sent a copy of a statement in which I am not listed. They refuse to stop persuing collection of the debt unless I file a police report for Identity Theft. I do not see any indication that my identity was stolen by the borrower. I contacted XXXX XXXX and was told that I had been put on the account as an " Authorized User '', but I was not a party to the debt.

Company response to consumer: Closed with explanation