vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-28 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I have learned in the last couple days, that the guest account on applications on XXXX phones, you do not need a password for and it links directly to your google account because it is your Google XXXX XXXX Account. My XXXX phone went back to XXXX ( per merchant guest account from prior phone. ) Not one rep through Google has stated the guest account was the play account, nor that the charges that play games billed were actual Google charges. Google cant provide a invoice or did they obtain authorization. These charges were not made by a minor or am I aware of anyone that made charges to my account. Google blamed my friends and family, refunded half towards a judgement for not getting expressed consent as i have been stating and deleted the remaining {$4000.00} and hundreds of transactions they ran through my bank out of their system. Google told me about a week ago to go to authorities because my info was stolen and its on another account. Why has it taken 2.5 years since i found out to have them tell me to go to authorities? Why did Google state in responses to complaints with the Attorney General and the FTC they were aware of the issue and to have me contact them and not state my unemployment card was on someone else 's account? I want the account and googles billing practices investigated. If Google would of investigated, the XXXX breach would of been made public sooner. I came to them and told them that there was a XXXX on my XXXX account that linked to his XXXX able to bill without permission. ( Google wallet separate charges ) I have given not XXXX person authorization to bill, add my payment method and not XXXX person has asked for my permission. I did not create a Google Wallet or Google Payments account. These are fraudulent transactions Google processed with out the expressed consent of the account holder, and are altering and deleting information 3.5 years after the first charge, 3 years since they flagged it 16 times without contacting me. Those flags have now been deleted from the invoice, yet I am told i didnt tell them fast enough what they concealed from me! Who benefited the transactions? Who received the credit from the purchase? How much was taken? These are all questions I have asked repeatedly, to be told i did not tell them fast enough, what it is obvious they have known! 
I would like Google to explain if a guest account for a application on a android device is phone specific and for billing purposes the same guest account is google account specific, what steps were taken to verify if the transactions were legitimate? 
please see complaint numbers below filed with CFPB for back up documentation. 
XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016

Company response to consumer: Closed
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: IA

Complaint narrative:
XXXX XXXX XXXX is collecting on a debt that has been paid. XXXX sold accounts to XXXX XXXX, I have number of accounts showing up under XXXX. These are accounts for as early as 2002.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 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: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
My husband received an affidavit of renewal of judgment few days ago. It so happened that I pulled our credit report because we are looking into buying a house, well on that credit report it shows that its been satisfied since XX/XX/XXXX. We 've paid this off. So now we are being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I had made numerous payments to Central Mortgage for principal only immediate payment since 2016. When corrections were made, from a regular payment to principal only, it was posted days and even weeks later ( XXXX transactions ). 
My interest to pay down principal was not immediate even though the transaction history shows the received date of the money, the correction date was not back dated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I 've filed several complaints about my process working with Indymac/OneWest bank in attempts to modify my loan beginning XX/XX/XXXX. Indymac/OneWest finally offered a loan modification XXXX. After 3-months trial payments, I reviewed their contract and realized it would leave me with a mortgage of over {$900000.00} which my late husband left me with, so I chose to move on. The house was scheduled for auction on XX/XX/XXXX and I had friends interested in buying. My attorney called the Trustee Corporation phone number but a minimum bid amount was never available. On the day of the auction the auctioneer delayed in 15 minute increments so no minimum bid was ever announced, and there was no auction. After about an hour, my attorney called me to say the house was bank owned - XXXX is on record as bank owner, so by not announcing a minimum bid, it feels like this was a back door deal between the banks. Two days later, a Realtor - with XXXX XXXX XXXX, XXXX County - and her husband were on the property taking photographs. I was given 30 days to vacate which would have been XX/XX/XXXX, but I vacated on XX/XX/XXXX. 
I 'm filing this complaint because it 's been a horrible process to be left a widow with a XXXX dollar mortgage because the banks threw money at my late husband who was gambling on our equity. It 's been horrible to have been left with a mortgage over the {$720000.00} maximum amount the Obama administration deemed worthy for debt forgiveness so people could stay in their homes of many years. And it was heartbreaking to go through the humiliation of a foreclosure that turned out to be a back door agreement between IndyMac/OneWest and XXXX. And after all of that, the Realtor threatened me that the bank would sue me if there was vandalism at the house I vacated. My attorney explained the bank could not sue me after vacating, so I want anyone going through this to learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXX XXXX, 2015To : Consumer Financial Protection Bureau XXXX XXXX XXXXSome one open a Credit Card with FORTIVA, dispute resolution, XXXX XXXX XXXX XXXX, XXXX XXXX with card # XXXX XXXX XXXX XXXX. I NEVER hold a Credit Card and I NEVER purchase goods or services. 
Some person use my personal information, this is fraudulent purpose. 
This report to your Bureau, Thank you for your attention the matter. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-08-02 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: PA

Complaint narrative:
I sent this collection agency multiple letters via certified mail. They have never responded to my disputes or provided any documentation to prove the alleged debt. They never sent me any validation letter either within 5 days of the initial communication which is a violation of 15 USC 1692g. They also have violated 15 USC 1681 s-2 by never responding to a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc.
State: GA

Complaint narrative:
Company sent another inaccurate monthly statement along with an increase in the monthly payment with no explanation. Due date is inaccurate as well and is made to look like Im behind on the payments. In reading the submitted document from top to bottom none of the figures make any sense. Including the increase. 
please refer to case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Affiliated Group, Inc
State: MD

Complaint narrative:
I received phone calls from ACS collection agency around XXXX of XXXX regarding a medical debt that did not belong to me back from XXXX of XXXX. I tried to explain the situation at the time and was threatened with legal action. I called the hospital the charge was from and spoke with billing where it was discovered I had the same name as the individual whom the charge belonged but different birthdays and social security numbers. As well as the fact I have never been to that facility and was in XXXX when the charge occurred. I was assured the situation was resolved and I never heard from the collection agency or medical facility again. On XXXX XXXX, XXXX I discovered on my credit report a medical charge filed by ACS Collection agency for the same medical expense that was supposed to have been resolved when I called them in XXXX of XXXX. The charged was filed with the credit reporting company on XXXX XXXX, XXXX. This charge does not belong to me and I was told the issue was resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: AFNI INC.
State: PA

Complaint narrative:
I called AFNI yesterday XXXX/XXXX/16 after receiving an unfamiliar bill in the mail several times. I tried to explain to the rep ( XXXX XXXX ) that I have disputed this debt before to no avail and sent in a letter requesting validity. I asked if I could speak with a supervisor as I would like this resolved, because I would like resolution and verification I owe it. She immediately became defensive and aggressive. First she stated, " All of the managers are in a meeting and I 'm the Senior Manager on the floor right now. '' I asked if I could call back and speak with the supervisor directly? XXXX stated " He 's gon na tell you the same thing I 'm telling you! '' This is where the conversation took a turn for the worse. I asked XXXX if I could have her supervisors name, so I could call back and speak with him. She aggressively said " XXXX! '' I asked if he had a last name ( XXXX is quite common ). She said " He can give it to you when he answers! '' Confusion set in. I could n't figure out why she became upset when I asked for her superior and I do n't understand why she treated me so aggressively. My intent was not to get her in trouble, but to get someone to verify this debt or at the very least point me in the right direction. I explained my plight to her again.When the call started ( check the recordings ) I told XXXX that this was an ongoing issue and I still have not received validity of debt. I told her I was frustrated and I made it a point to mention I was NOT taking my frustrations out on her. I let XXXX know I am interested in resolving this, and she did not try to assist me. I told her I would like this removed from my credit if there is no verification of debt. I even offered to just pay a settlement to have it deleted. I ca n't sleep at night!! XXXX screamed " We do n't do pay for deletes!! '' I asked for a supervisor again with the intent to get resolution and to get my point across because she became to aggressive to deal with and she kept over talking me. 

Reluctantly, she said I can talk to XXXX XXXX in the consumer relations department. I left her a message, but after my experience with AnitaI am scared to speak with another rep from this company. I do n't like being attacked when I clearly said I want to get to the bottom of this. Im certain this is a form of harassment according to the FDCPA. This bill is hindering me from progressing in life. Please remove this debt and all negative reporting from my report because I have NOT been furnished with validity of debt after numerous attempts Thanks in advance for what I hope is a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 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: MS

Complaint narrative:
I recently discovered a collection on my credit report from Afni, Inc. on XX/XX/2016. Unfortunately, I received neither a copy nor notification from the company informing me of this debt. I understand that under the Fair Debt Collections Practice Act 809 ( a ) states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ... 

I was not made aware of this debt until I saw it on my credit report. I have had no debt notices from the company fulfilling the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC.
State: TN

Complaint narrative:
I have been contacting XXXX, XXXX, & XXXX for over a year to have them remove the " open '' collections that clearly states it was discharged thru my bankruptcy. XXXX has since removed these from my credit. However XXXX and XXXX has then reporting as " open '' not only that I am showing XXXX collections for the same debt that was discharged. I 've made several attempts to have these removed from showing open collections with no results, except from XXXX. I understand these are in my bankruptcy, however they are not " OPEN ''. I have been discharged from these.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: EOS Holdings, Inc.
State: CA

Complaint narrative:
I started by writing a letter approximately a year ago, letting them know the debt was being reported incorrectly. Since that time, without getting any response, I disputed the charge with XXXX credit reporting agency ( it was " verified '' which was a lie ) and hen a few months later, another CRA ( also " verified '' ). I have not followed through in getting it corrected as vigorously as I should by filing a complaint or suing because I 've been XXXX but I have done more than I 'm required to do and still they call and send letters improperly trying to collect the debt. This morning, when they called and I told him I do not owe the debt and that I am a current XXXX customer, they nastily insisted I prove it when all they have to do is call XXXX to check! And said I never wrote to them to dispute it but I did and I possess the receipt to prove it. My next step will be suing in state court if this report does not bring about a correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: AFNI INC.
State: NV

Complaint narrative:
I am an attorney. My client was involved in an accident but not responsible. The person who was injured was paid a small amount by an insurance company. The insurance company is trying collect that small amount from my client by falsely representing that it has contacted the " Department of Transportation '' of his state which is examining his compliance with the " Financial Responsibility Act '' and that he could lose his driver 's license unless he pays up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
Regions Bank is reporting that I am over 30 days late on my monthly payment. I have proof that the bank receives the check but they do not process the check up to 3 and 4 days causing their system to show that I am over 30 days. I am not disputing that I was over 10 days and they can charge a late fee, BUT I was not over 30 days later! I should not be penalized for their process time ; they received my payment prior to 30 days past the due date of the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
RE : REGIONS BANK I AM WRITING REGARDING THE ERRORS AND ENORMOUS OVERDRAFT CHARGES NOTED ON MY ACCOUNT AND THE CONFUSING MANNAER IN WHICH THE PERIODIC STATEMENTS WERE DESIGNED DURING THAT TIME [ 2012 ] .THIS ONE PARTICULAR ISSUE OCCURED IN XXXX 2012, AN ATTEMPT TO RESOLVE THIS ISSUE WAS DISCUSSED AT XXXX BANKS.I WANTED TO KNOW WHERE THE MONEY WENT AND IF THE EXCESS FUNDS WERE CREDITED TO MY ACCOUNT.MAY XXXX A CHECK WAS WRITTEN FOR $ XXXX.ACCORDING THE BANK STAFF THE CHECK DID NOT CLEAR.ACCORDING TO XXXX XXXX XXXX XXXX WAS PAID {$530.00} ON XX/XX/2012.THIS WAS DONE TO PAY THEIR CHARGES AND {$30.00} FEE.ACCORDING TO THE BANK STAFF THE MONEY WAS NOT PD UNTIL XX/XX/XXXX..THERE WER SEVERALDIFFERENT STATEMENTS THAT REFLECTED THIS TRANSACTION DURING THE PERION XX/XX/XXXX THRUI XX/XX/XXXX.ON XXXX/XXXX/2012 I WAS INSTRUCTED TO DEPOSIT {$600.00} PLUS {$20.00}, BY BANK SAYING THIS WOULD CLEAR UP THE XXXX XXXX XXXX HAD BEEN PAID. 
OTHER ISSUES REGARDING NON-SUFFICIENT FUNDS WHEN THE FUND WERE AVAILABLE..THERE WERE OTHER CHARGES AT VARIOUS TIME EVENTHOUGH THE FUNDS WERE AVAILABLE.AT ONE POINT THE NEGATIVE FEES AMOUNTED TO $ XXXX.THIS WAS A CONTINOUS EFFORT OF EXTRA CHARGES. 
MOST OF MY DEPOSITS OCCURS DURING XX/XX/XXXX THRU XX/XX/XXXX. I ATTEMPTED TO BALANCE MY BOOKS PRIOR TO ANY PAYMENTS.I DID SEND A DETAILED LETTER TO REGIONS BANK XXXX XXXX XXXX XXXX, AL XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NATIONWIDE ACCEPTANCE LLC
State: IN

Complaint narrative:
Nationwide LLC continually making harassing phone calls to me, my wife, and everyone on our reference list. I am unable to make timely payments due to my wife 's frequent medical expenses, rent and other bills. I pay whenever I am able. This company relentlessly calls me asking to pay. Making threats to repo the car. which I need in order to go to work and provide food for my family. The caller " XXXX '' from Nationwide LLC was very immature and very threatening to me and my wife and to all the refences my wife and I had listed on our application

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX sent us to a collection Agency, AFNI ( XXXX XXXX XXXX, XXXX Illinois XXXX ) for a {$930.00} balance stemming from XXXX or XXXX XXXX. ( Account # XXXX ) There have been no attempts to collect this debt. We first saw this item on my credit report as part of a refinance attempt in XXXX. 

( 1 ) we attempted to contact XXXX XXXX XXXX to find out what this debt was for. We remember cancelling the service in XXXX XXXX and returned the equipment at that time using the shipping labels provided by XXXX XXXX XXXX. We have no records of this however, as it occured more than 6 years ago. 

( 2 ) XXXX XXXX XXXX can not provide us with any invoices nor can they tell us what this debt was for. As they stated themselves it was over 6 years ago. We have been told many different things by many different depts. and really got the runaround. They have stated they would try and look in their archives to validate this debt but we have not received any notification of this so far. 

( 3 ) We did reach someone at AFNI and after several attempts to get to their " XXXX XXXX XXXX accounts '' department., A XXXX XXXX XXXX informed us that this debt was for the non return of some equipment and that the balance was {$930.00}. We asked him for the invoices or paperwork to substantiate this debt. He at first asked us to send him an email requesting this ( XXXXXXXXXXXX / XXXX ). When I asked to verify this, he recanted saying, he first would put this account in dispute and then go back to XXXX XXXX XXXX to request them to send me this documentation. 

( 4 ) There have been no attempts that i know of to collect this debt since the XXXX time frame. I have purchased a home, and refinanced twice since this time frame and there was never any delinquencies nor any collection account. A credit report from XXXX can verify this information. I have always paid my bills on time and have never been late. 

( XXXX ) I have been informed by my lender that a dispute of this item would not suffice for the new mortgage. There can not be a dispute notated on my credit report. 

My only options right now are either to dispute this item and delay my refinance or pay this item to the debt collector and then try and seek a refund after my refinance. neither are equitable options. I am seeking your help for a timely resolution to this item. I can not believe a collection item like this would magically appear 6 years after the fact. And I can imagine XXXX not being able to substantiate this debt. Can someone at the CFPB help me with this?

Company response to consumer: Closed with explanation