vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Have fallen behind on mortgage due to inadequate employment. Retired person on fixed income ( Social Security and retirement pension ) and received notice of intent to foreclose by loan servicer, CHASE, on XXXX XXXX. Have active application in process for loan modification that has been dragging on for 5 months. Have submitted numerous requests to CHASE for additional information that seems to be delaying tactics. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
I have been battling with portfolio recovery and Foster, Garbus & Garbus for over a year regarding a debt that is not mine. I continue receiving letters from Foster, Garbus XXXX Garbus regarding same debt although I 've submitted documents to Foster, Garbus & Garbus proving that I DO NOT OWE said debt. These guys went as far as having my XXXX XXXX account frozen last year and I thought the issue was resolved once I submitted my documents.

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 2015-07-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for a balance transfer with desirable terms to my situation. I was not consulted with or given any options, Chase Bank decided it was their choice of terms, I was not notified or given the option to decline or accept. 
I contacted Chase Bank, they agreed to get their funds returned and ADJUST the fees and charges. 
I have asked the account be frozen or closed yet it still open and I was told I need to make the minimum payments ... Even thought!!! their funds were returned over two weeks ago. 
So now I am being charged interest on over XXXX ( the same money ) by XXXX banks. 
I have kept copies of all correspondence with Chase Bank and can verify thru XXXX XXXX that funds were returned. 
I would like your help to stop them before they affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Continental Finance Company, LLC
State: CO

Complaint narrative:
I obtain a XXXX XXXX from Continental Finance XXXX, making my monthly payments on time, even got an increase of credit. Well in late 2013 i received notice the current credit card was being transferred to a XXXX card and they will send notice when the new card has been sent out. I continued to make my monthly payment on time, during the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX i called XXXX in concern because i had not received the new card, i was told due to the Holidays the delivery of the card maybe delayed XXXX XXXX XXXX. When i spoke to the individual in XXXX, i could not make any payments as the account showed the balance as zero, i called in again to make the payment and they wanted to charge me a phone fee, so i we went back in front on how i do n't see as a customer who has n't received the new card to set-up the online account to make a payment should pay a phone fee. The individual got rude so i hung up. No communication from this company but today i receive a voice mail from a male stating he was on his way to my home and if i was n't in he would be traveling to my place of employment to serve me papers. He left a number and a case # but no information as to what this was in regards to. I called the number left XXXX XXXX XXXX, the gentlemen who i spoke with stated they were suing me for {$1900.00} on a so called {$580.00} balance ( which the balance should have been around {$350.00} from the last time i made a payment ) stated, XXXX had written off and sold the account to them. I have never received any communication from XXXX or this collections company so how can they immediately sue for something that XXXX was negligent in not providing the new card or account information for me to continue to make payments? Please review and help on this matter.

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

Complaint narrative:
This is a complaint that I thought was done and over, I just received another collection letter from a Century Link collection bill Via : EOS CCA, Collecto, Inc. I never received the modem or the services at that time that these charges occurred. I am currently a XXXX XXXX customer and thought this issue was resolved until I opened my mail yesterday. I placed an order to XXXX XXXX back a few months after I moved into my home in 2014. I went months without internet if it was n't for convenience, and it was inexpensive enough I thought. I do n't really do anything but watch movies and pay bills with it, I 'm not on any social media, I 'm not a gamer. Ironically I am using XXXX XXXX right now to type this. This bill has been ruining my credit for years and I did n't know it. I Ordered XXXX XXXX in 2014 the modem was supposed to be sent out, It was never sent out, someone was supposed to check my service outside only, at no charge they said they had n't made before my first call. They even said they were going to expedite my services to that weekend I would get my modem in 3 days. I was busy working I almost forgot about it completely until I really needed the service I called and asked the lady what happened I thought the modem got stolen off my door step, she said she would check my order " it was never even sent out '' and they would send it and it would be " Expedited '' again, it did n't arrive again ( huge fail ) it was over a month until services started. Long story long They tried collecting in the past and realized their mistake apologized made up for it a little then made the same mistake a little over a year later and continue to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Over the past year I received numerous letters regarding an alleged debt, In addition to phone calls. This company or individuals have been Continuously harassing me in regards to the alleged debt. In my attempt to put an end to these harassing letter I responded that I do not owe this individual or company any money. However, as soon as I responded to one company I receive a new Collection Letter but from different company but in the attempt to collect the same ALLEGED DEBT. I can not continue to respond to all these letters because it seems that this would be AN endless effort on my part

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
my account went into the negative because of an overdraft, however i was never notified of the issue. i went to use the card around XXXX time and realized there was a issue at that time upon looking into it i realized there was a overdraft charge and it was in negative. 
on XX/XX/XXXX i revived a overdraft fee of XXXX however i was never told there a issue prior to this event happing or charge being placed. i contacted branch in mcadoo, pa and spoke to a XXXX who said he would look into it. upon me calling back he told me to contact costumer service who i called and they told me the prob. that i was never notified was because alerts were not working and that " IT '' was working on it but it was a known problem ( i have call recorded ) and that also dueing holidays and anytime the bank is closed for holidays no alerts or account notifications are sent out so if i have alerts setup on my account i will not receive any alerts dueing that time if everything was working, but again the alerts we not working. i contacted XXXX back and told him i should not be charged because i was never notified in attempt to fix the issue before charge and that i was told the alert were not working, customer service also said they would call and tell him as well. However the bank decided to keep the charges there and additional charge me XXXX as follows. ( XXXX on XX/XX/XXXX. then XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) thats a total of XXXX on XX/XX/XXXX alone. XXXX as overdraft fee and then the XXXX as auto overdraft fee. 
I SHOULD NOT HAVE TO PAY ANY OF THIS AND SHOULD BE DUE A REFUND OF THE ENTIRE AMOUNT OF XXXX IN FEE 'S BECAUSE I WAS NEVER NOTIFIED, I TOLD BANK IT WOULD BE HANDLED BY DIRECT DEPOSIT, AND CUSTOMER SERVICE SAID ALERTS NOT WORKING AND I WAS NEVER NOTIFIED BEFORE THE ORG. XXXX CHARGE THAT A PROB. WAS EVEN ON MY ACCOUNT. 
THE BANK FIELD IN DUE PROCESS OF NOTIFYING ME AND I HAVE FULL ALERTS SETUP ON BOTH CELL PHONE, AND EMAIL AS WELL AS ON THE BANKS MOBILE APP. AND I NEVER GOT ALERT OR NOTICE. IF I GOT AN ALERT OR CALL I WOULD HAVE CORRECT IT IMMEDIATELY AND NO OVERDRAFT CHARGES WOULD HAVE HAPPENED i have 100 % all calls recorded and documented..

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 2016-10-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I have a personal checking account with First National Bank of PA. Their corporate office is located in XXXX , PA. 

Three weeks ago I wrote to them telling them to close out my checking account and put my line of credit on a billing cycle as I was moving and it was difficult to bank with them. By example when you call their customer service number, you are put on hold for 10 minutes at a time, each of the 5 times that I have called. When I call their XXXX XXXX branch in XXXX, PA., it rings busy all the time. 

When I mailed them the letter 3 weeks ago, I monitored my account and it was never closed out and I never got the mailed monthly billing for my line of credit. 

On Friday XX/XX/2016 I went to their branch in XXXX XXXX on XXXX XXXX. Stood around for 15 minutes and was turned away when the branch manager told me she had to go pick up her " kid '' and a teller would help me. The teller took my name and contact information and said that the girl that just left would call me on Saturday. Since my account was currenltly housed at the XXXX XXXX location, she said that the manager would also call me. Saturday came and went. Monday they were closed. On Tuesday, I called the XXXX XXXX branch and it was like I was talking to the man on the moon. Finally, they told me I had to call XXXX, the branch manager at the XXXX XXXX store. I called that number 14 times in a half hour period and it was busy. 

On XX/XX/XXXX try, I got a teller who listened, took notes and was going to have the assistant branch manager call me. The branch manager was out. 4 hours later no return call. 

Here is the crux of my complaint. The bank did not close out the account and put me on direct billing. There was about {$75.00} in the unclosed account, and the automatic payment overdrafted my account by {$4.00}. Then in 5 successive 3 day periods, I was charged {$12.00} per 3 day period for an overdraft that the bank created. I got no emails, letters or anything. When I talked to the branch I asked them to close out the account and refund the overdrafts. I also wrote a check for {$1000.00} and applied it against my line of credit. So far the bank has gone dark, not returned my calls and is probably charging an overdraft fee every 3 days. Coincidently, if the bank would have closed the account, I would n't have overdrawn the account and would have made a payment within the grace period of the loan. 

This bank has no moral compass and they seem to delight in XXXX the customer at every opportunity. This is n't the first time I have had to deal with their egregious management style.

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 2015-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: PA

Complaint narrative:
The debt collection agency calls me everyday about XXXX times a day. I would like them to stop and send me written correspondence. 
The number to this agency is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions Bank has taken XXXX out of my account because of overdrafts. I know this is my fault, but why do they keep putting thru checks that can not clear more than once? Im XXXX and they have no mercy on me. Why are these charges so expensive? Cant they be XXXX dollars? My son is going to help me, but this is a disgrace for a bank to be this greedy!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03 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:
I have been getting charged {$36.00} for NSF OD fee by Regions bank in the amount of {$250.00} in the last month from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I called them and they stated that I opted in however I never did this. If I had a XXXX balance I should have been declined however the bank stated that they would cover transactions up to {$500.00} and for ever charge with insufficient funds they would charge me {$36.00}. I stated I never signed or agreed to an opt in and they wo n't refund me back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: AFNI INC.
State: GA

Complaint narrative:
Afni is currently furnishing innacurate information about me to the the consumer reporting agencies. I have requested full documentation from AFNI of proof that this account belongs to me and they have not done so in the required time limit. I also have repeatedly asked AFNI to provide me their right to collect this debt. This account does not belong to me and I am requesting them to cease all collection activities and remove this negative reporting from my credit files immediately or I will file a legal suit for damaging my credit rating. This is the 4th attempt to get AFNI to comply and they have willful not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 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: EOS Holdings, Inc.
State: VT

Complaint narrative:
EOS-CCA is illegally trying to collected a debt in a state that they are not registered to do business in. Per Vermont 11A V.S.A. 15.01.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 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: GA

Complaint narrative:
Afni collections is trying to collect XXXX from me after XXXX has determined that the initial amt owed has been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions Bank took money out of my savings account to cover an overdraft fee which my daughter incurred. The company stated because I am listed on her account that they can go into my account and take any fees due if she does not pay for them. I am not happy because I was made aware of this after the fact of Regions Collection going into my savings account and taking money out without my authorization. I feel like a victim of Identity Theft. This is a policy that should be changed. No one including Regions Bank should go into my accounts and take money out without MY AUTHORIZATION,

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 2016-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am currently making payments to Automobile Acceptance Corporation. After falling 31 days behind on my payments the unit was placed out for repo. Prior to this occurring their represents called my phone 3 times a day even after I told them when I would be able to make my payment. They even sent emails to a family member regarding my loan They called after I made arrangements. They also contacted my relatives everyday. After the vehicle was place out for repo, a representative contacted my cousin and refused to identify himself. He made threatening statements which included that Automobile Acceptance Corporation is seeking a warrant for my arrest. They disclosed my personal information withour verify who she really was and threaten to take me to jail over a debt. I contacted Automobile acceptance and the rep refused to let me speak with a supervisor. They kept transferring me to the repo department which never answered the phone. The line would go straight to a voicemail. I called back and advised the rep that I just needed my account number to make a payment. I was told that they could not give me teh account number unless I spoke with someone in the repo department ( whom never picked up the phone ). I am filing a complaint for disclosing my personal information, making threats to jail me for a debt and refusing to allow me to make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions Mortgage is not reporting correctly on several if account. This account is not in the wage warner plan. The balance is incorrect, last payment date is incorrect. 
REGIONS MORTGAGE XXXX XXXX XXXX XXXX, MSXXXX ( XXXX ) XXXX Account Number : XXXX Status : XXXX Account Owner : Joint Account High Credit : {$200000.00} Type of Account N/A Credit Limit : Term Duration : 20 Years Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$2000.00} Scheduled Payment Amount : {$2000.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : XXXX Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Conventional RE Mortgage Date of First Delinquency : XX/XX/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 2017-01-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I requested a report from Early Warning because I was not able to open a bank account when I move to XXXX. I just gave up since I could not get any assistance from anyone. I moved back to XXXX and was told by another bank to call Early Warning and not to quit. Finally I receive help from someone from Early Warning months after receiving the report explaining what I needed to do concerning the information reported to them by XXXX XXXX XXXX. I discovered that XXXX of the incident reported by XXXX XXXX XXXX had been removed and I only needed to dispute the 1st complaint listed on the report by XXXX XXXX XXXX because the 2nd issue listed by them had been remove. The third issue from XXXX is being resolve now and will be remove. But my complaint is that I did call XXXX XXXX XXXX and unfortunately did not get the name of the individual I spoke with because that told me they did not have to send me anything or prove anything. So my next step was to dispute the information place on my file by XXXX XXXX XXXX with Early Warning. I finally called them to ask why I had not heard from them and they told me they had sent the reinvestigation results to XXXX even though I explain that I no longer live in XXXX and all information should be sent to my new address in XXXX. I finally received the letter from Early Warning stating that the information file by XXXX XXXX XXXX was accurate. If I did not agree with this that I had to write a rebuttal and they would then furnish a copy of my updated report and rebuttal to all parties who have received a copy of my file during the preceding two years for employment purposes or six months for all other purposes. Then they would also provide me with a copy of the reinvestigation procedures plus contact information to gather further information. When I tried to call the number provided they told me they were not allow to discuss over the phone. What I do not understand is I sent a dispute in writing explain why I did not agree with the information place on my file by XXXX XXXX XXXX? I requested that the information be investigated and proof be provided by XXXX XXXX XXXX. Why would you send a letter to me telling me the information is accurate and if I want further information I have to request it. I need the assistance from the Bureau of Consumer Financial Protection to assist me in getting the information file by XXXX XXXX XXXX off of my file with Early Warning or proof provided by XXXX XXXX XXXX and Early Warning be provided to me that what is on my file is accurate. It is hard to trust the procedures that are required of an individual to submit through Early Warning when you hear that this company was establish by XXXX XXXX XXXX and a few other banks. Your assistance is appreciated. Thank you!

Company response to consumer: Closed with explanation