vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX XXXX processed a home equity loan in the amount of {$60000.00} without my knowing it. I was married at the time and did not know anything about the home equity until it was discovered I XXXX. This disclosure ended in divorce and me having to refinance my home to incorporate this debt. However, my ex would not tell me how this {$60000.00} incurred. A few months ago, I found the documents in a lock box. My name was blatantly forged on all documents submitted to the bank and the {$60000.00} check was made payable to my ex only. I want to know how this happened. I never knew about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Oracle Financial Group LLC.
State: TX

Complaint narrative:
XXXX XXXX called from LLC and disclosed information to my employer.She told the receptionist that they would be serving me paperwork and that I would need to be present with XXXX forms of ID and my Manager would also need to be present as a witness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I already paid this debit prior with another credit agency, But now the debt has changed names and been sent to someone else to deal with even though it was already paid. I sent letter by certified mail to collector back on XXXX/XXXX/2015 asking for validation of proof that I owe debt from previous credit agency which was signed and received on their end on XXXX/XXXX/2015 and informed them of the FDCPA and that they are given 30 days to get this information out to me or else they would need to stop any debt collection from me. Now we sit at XXXX/XXXX/2015 and no information as of yet. I contact the collector and was informed that on XXXX/XXXX/2015 they mailed out information claiming validation of my debt and that the process took longer than 30 days to collect and that I should receive it in the mail in a few days. In the meantime the collector is filing default on me regarding this debt stating that I owe it which I do not and with that certified letter I sent was all the proof they needed to see that it has been paid for but regardless they want to still pursue to collect. They have violated the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Payday America Inc.
State: MN

Complaint narrative:
A few years ago ( between XXXX and mid XXXX ) i took out a payday loan from Payday America inc in XXXX XXXX mn. I failed to pay the loan back on its due date but paid it during tax time around XXXX XXXX. I went in to the location i originally took out the loan with my mother, there they told me that everything was fine and rushed me off never giving me a receipt. from then on i kept receiving calls from collectors saying that i never paid and demanding that i do so. When i tell them that i have already paid, they call me a liar and usually would hang up the phone on me. i was threatened with a lawsuit last year in which they told me that if i did n't pay the fees would be greater. i freaked out and paid {$250.00} on a {$410.00} bill. Again no reciept when i requested XXXX they said it was in the mail and left it as that. I also informed them that i was going through a hard time financially and that i was unsure of when i could give them the rest reiterating that i had already paid this debt. now i just received another letter threatening to sue me for XXXX dollars. i am already drowning, attempting to care for my XXXX XXXX sister and my XXXX mother, as well as my XXXX children. i feel that they are trying to take more than they are owed and its not right, even when i made a good will effort to pay a debt that had already been paid off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONWIDE ACCEPTANCE LLC
State: AZ

Complaint narrative:
We have told them repeatedly that we will be going through bankruptcy. ( Will be filing next week ) please come and get the vehicle. Since then somebody named XXXX has called my wife and I daily wanting the attorneys name. We are self representing with the help of an independant paralegal. Even after being informed she continues to call us daily. I told her repeatedly just come get the vehicle. She sltill persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
After graduation it 's was hard to find a job. Went through forbearance program. One year later, still could not find a job ; my parents told me about extending terms ( which Navient offered them for my moms graduate loans ) from ten too twenty years which would lower my payments in half and make my monthly payments possible from XXXX to around XXXX. I call them up a week before my loans are due and the tell me I have to wait too my forbearance is up to discuss payment options ( which I found weird cause my forbearance was up AFTER the due date ). BUT I did n't know Their company, Their policy. So I wait till the appropriate amount of days, told immediately because its private loans they ca n't due anything and they have to forward me to collections. Collections answers, I explain the situation and they do the quote ( rough banking statement by asking me how much I make ) and tell me I can afford to make the payments, there 's nothing you can do. I asked about the term change and immediately get denied. I let them know I work full time hourly at XXXX and they tell me if I was customer service a year ago I would have advised you not to do forbearance ( making me feel like XXXX beacause I could n't find a job a year ago ). Needless to say I get help from my father to help pay for the payment for the month that had had a penalty charge for being late. 

Ultimately I am disgraced on how little Navient informs customers on what they want, either you pay or you ca n't right away. They should tell you immediately that they do not have repayment options or income driven repayment options immediately before you sign up. Also there website is confusing as all XXXX so you do n't know what your looking at just tons and tons and tons for words that can confuse the XXXX out of XXXX year old kid and his parents that are trying to get loans for there kids. 

Hopefully this can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX wired {$250000.00} on XXXX through our bank : Bank of the West to XXXX XXXX Bank in XXXX XXXX XXXX, Ut through their bank : XXXX XXXX Bank, XXXX XXXX XXXX, CA. 
XXXX XXXX Bank did not receive the funds. Our Bank : Bank of the West put a tracer on the wire twice - No response XXXX. 
On XXXX XXXX finally admitted that they deposited the funds into someone else 's account XXXX their account number matched our tax id # XXXX XXXX 's account number was clearly identified on the wire. 
On XXXX XXXX told XXXX Bank that they had to contact the branch that had the wrong account and for them to contact the customer and ASK FOR THE MONEY BACK!!!! 
On XXXX XXXX told Bank of the West to recall the wire, which they did. 
Today - WE STILL DO NOT HAVE OUR {$250000.00}!!!!!!!!! 

Please help. I can be contacted at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC.
State: NY

Complaint narrative:
Debt collector reported to consumer reporting agencies without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 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: MI

Complaint narrative:
EOS CCA XXXX Phone number ( XXXX ) XXXXThis company is trying to collect a debt from XXXX XXXX XXXX social security number XXXX address XXXX they have reported this on my credit report. I am not and never have been XXXX XXXX XXXX. How the hell can these XXXX report someone else on my credit report? The name, address, and social security number are completely different. I just got XXXX to correct this and now the dishonest XXXX are reporting it to XXXX XXXX. I have spoken to XXXX at length on this issue and I do not have any outstanding debts with them. 
If sticking other peoples debts on my credit report is n't illegal it should be

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 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: AFNI INC.
State: PA

Complaint narrative:
I had an account with XXXX XXXX XXXX for a cell phone over 5 years ago. i call altleast 10 times because my bill was so high because there was always extra charges on my bill ( data, games, apps ect. ) that i did not purchase. The customer service agent woulsld apologize and tsake off the charges and assure me this would not happen again. but it did a lot. the final incident was when my checking account bounced because my XXXX XXXX XXXX bill was so high from being frivolously charged for stuff i did not purchase or data. i was so upset i demanded to speak to a supervisor because i was so upset. The supervisor apologized and took off all the frivolous charges, i told the supervisor i did not want service from XXXX XXXX XXXX anymore that i could n't afford my bank account being over charged and i was so unhappy with the service. i wantedmy account closed. the supervisor tried to give me every offer she could so i would stay with XXXX XXXX XXXX. i finally told the XXXX XXXX XXXX supervisor that i was going to cal the XXXX and file a complaint against them for breach of contract and their horrible service. The supervisor said sahe would close the account, i still had to pay for that month and the XXXX XXXX XXXX supervisor closed my account with a {$0.00} balance. and i went to a different company. In XXXX 2016 i became a member of credit Karma and i was looking over my credit report and saw a account in collections for AFNI for {$480.00}. The collections account was for XXXX XXXX XXXX mobility. I cALLED XXXX XXXX XXXX and the customer representive said there was nothing they could do because the account was turned over to a collection agency. I said a {$0.00} balance account? XXXX XXXX XXXX were rude and said to call AFNI. I called AFNI and explained what happened with XXXX XXXX XXXX and that i disputed the claim through transunion and equifax, AFNI would not work with me or listen to anything i had to say. the representitive said just pay it, or set up a payment plan. i even faxed AFNI a settlement i received from XXXX XXXX XXXX because there was a class action lawsuit against XXXX XXXX XXXX for what happened to me. AFNI did n't care and just wanted me to make a payment plan. I am so upset with XXXX XXXX XXXX and AFNI for the way i was treated by both companies. i am so upset i do n't know what to do anymore. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Nationwide Biweekly Administration, Inc.
State: MI

Complaint narrative:
I have had Nationwide BiWeekly Administration ( whom the CFPB is presently suing for fraud ) taking money from me to pay my mortgage ( currently serviced by XXXX ). At the beginning of XXXX, they started sending emails saying their banking relationships were in jeopardy, and by the end of the month they were saying they would not be able to pay any mortgage companies for the foreseeable future. The emails stated any money they were unable to pay out would be returned, and provided contact details to speak to customer service reps. The phone number provided has no option to speak to a human, it plays a recording and hangs up. Their main office number says, at every path on the phone system, that they have a high call volume, please call back later, and then hangs up. I have attempted to call them every day this week, multiple times, with no change. I have tried to contact them via phone and email so that I can get the {$750.00} they withdrew from my bank account back, so that I can make the mortgage payment myself, which was due XXXX. I have received no response, and it would seem by the large volume of their customers online telling the same story, that they have completely ceased communicating with anybody. Meanwhile, a great many of us can not afford to make our mortgage payments without the money they took. They first notified us of the issue at the beginning of XXXX. My payment was taken on XXXX, well after they knew they would have trouble paying it out. I need assistance in recouping my funds from them, so that I can pay my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I contact Early XXXX after my account was closedXXXXXX/XX/XXXX. I called then to get more information to see what happened, but so far not a good answer, because they could give no information until a submit a copy of my report that will take 15 to 30 days. ( until this time i was without no payment, i could receive my payment, because i could n't open account any place until i resolve that ) So they took almost a 23 or more day for me to get the report. Soon i receive i call then to help me to dispute, because i never receive a letter for the XXXX banks informing me about that they will be add a NEGATIVE IN MY NAME and caused so much XXXX and affecting my business. 
I email ( a copy are attached ) and responding to Early Warning on XX/XX/XXXX, a document to dispute both negative that was in my name since i i didn t even know why and reason for all this. 
I called Early Warning on XX/XX/XXXX to see if my case was resolve, and unfortunate i receive a bad new that the bank did not going to remove and dispute the negative in my name and i have to wait until XXXX XXXX, because after 5 years will be removed automatic. 
Im sorry but this agency they not looking for to help us, they a not taking me seriously at all. 
I have n't been able to cash my check for almost 3 months now, because i ca n't open a checking account, i became miserable and i do n't know what to do, because every time that i try to solve the problem that i did n't even know and i never was inform regarding for this negative. Please help me, because this situation has to be resolve quick as it is affecting my business. this s not acceptable and, as you can image, is causing me a good deal of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 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: TX

Complaint narrative:
This is the XXXX time I have received a statement from EOS CCA/XXXX XXXX saying that I owe a debt to XXXX XXXX XXXX XXXX. I have contacted XXXX and they have no idea what this could be and said that I do not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
My loan was in default and my wages have been garnished for totaling per month XXXX for the last 32 months. I have repeatedly contact my my student loan servicer, Collecto, EOS CCA who only want to offer me a total pay off. They are not even able to provide me with a total balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Clark County Collection Service
State: NV

Complaint narrative:
I discovered a collection on my credit report showing a balance of over {$4000.00}. When I inquired with the credit bureau and collection agency to verify the legitimacy of the bill, they simply replied back that the debt was valid without any documentation showing why or how I had incurred a debt of over {$4000.00}. 
A long time ago I went and had some XXXX procedures, while I had paid the majority of my bill, I had a small balance of {$800.00} left over. Unfortunately I did not have enough money at the time to pay the remaining part of the bill and was not able to make arrangements. I just ca n't imagine how an {$800.00} bill could balloon to over {$4000.00} and I refuse to pay this amount or have it shown on my credit report this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF THE WEST
State: NE

Complaint narrative:
Bank of the West was asked to submit an itemization concerning the breakdown of figures for a mortgage Reinstatement and it was discovered that payments in the amount of {$5300.00} had not been properly credited. Additionally, the P & I payment was {$760.00}, representing an overpayment from XXXX, 2006 of {$490.00}. 
I was previously provided statements from XXXX, XXXX XXXX showing that the legal fees charged back to me were incurred after BOW continued to accept my monthly payments. This is in direct violation of Nebraska statutes regarding the acceptance of mortgage payments after default. These fees are not legitimate or collectible in the amount of {$1500.00}. 
The appraiser called me and said that he must have access to the inside of the property for an appraisal for BOW. I informed him that the mortgage was being reinstated and that he was specifically denied access to the inside or the outside. The appraisal fee in the amount of {$370.00} is fraudulent. 
In addition, BOW forced an insurance policy on the roperty where there was already XXXX in place charging {$1400.00} for it increasing my claim to {$9100.00}. 
BOW previously provided figures to this agency in a related complaint none of which included the return of overpayments collected by them and the records further provided by them proves they did not. 
BOW has now, subsequent to the previous reporting against them, charged {$230.00} in junk fees to my personal account. Note that after a check was paid, the balance was positive XXXX. This is subsequent to my previous complaint to your office. The information above is new information regarding the previous complaint to your office. 
Your review of this matter is greatly appreciated.

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 2016-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: OK

Complaint narrative:
Afini keeps trying to collect on debt not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
The XXXX XXXX billed the wrong insurance company in my medical file the collection went to Northwest collectors. I called them numerous of times and the XXXX company sent them a statement for them to remove it, they refuse to do so.and they are rude and nasty and hang up in my face. I want them to pay me for pain and suffering and also for hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Early Warning Services, LLC
State: NM

Complaint narrative:
Numerous banks and credit unions offer peer-to-peer interbank payments. My credit union uses an intermediary that operates under the trademark " XXXX '', while a number of the largest banks use ( and apparently own ) a intermediary called clearXchange. In spite of the fact that the transfer is an ACH transaction, the payment takes 3-5 *business* days. Of course, the banks withdraw the money from the pay-from account on the first day of the period, finally paying on the last. This is an all-electronic transaction and there is no reason for it to take more than 24 hours ( if that ). Furthermore, since the funds are verified and debited at the initiation of the transaction, there is no valid reason to put a hold on the deposit at the receiving account. 
These slow-rolling tactics appear to be common across all providers of this service. The only reason for the slow transfer is to take advantage of the float. These sorts of practices should be banned!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 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: AFNI INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I disputed a collection company named XXXX who was a Debt Collector for XXXX the Original Creditor Date Opened ( not available ) as a collection, NO Date provided. Balance Owed {$1200.00} reported by XXXX. 

This account was REMOVED for non production of the debt within the 30 days of dispute, because I do n't owe it. Transunion will have the credit report where the company XXXX account was removed within the 30 days. 

The DEBT WAS SOLD to another collection company named AFNI and I was NEVER notified that this collection company was now assigned this debt I do n't owe. On XX/XX/XXXX this negative debt was put on my Transunion Credit report, which has negatively affected my score by XXXX to XXXX points since XX/XX/XXXX. 

I feel that this is an illegal activity under the Debt Verification Rule within the 30 days there was no proof of the debt and be sold to another collection company. There was no written documentation sent to me. The negative debt was removed and then added back under a different name without notice.

Company response to consumer: Closed with explanation