vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-07 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:
Yes i have a checking s account at regions bank. I am opt into the program that allows the bank to pay your checks if you exceed a few dollars. Regions have been charging me overdraft fees and funds that XXXX for the checks clearing. They are crooks. if Im opt into the program why are they charging XXXX charges of XXXX for each merchant. if I go to my account and look at a XXXX charge it cleared the next two days they rearranged the draft and let other checks clear to make me have to pay more XXXX chrges. example :. wrote a check for XXXX on XXXX/XXXX/2015. several small merchants checks has cleared my account on XXXX, then later, I check my account the date of XXXX/XXXX/2015 has changed to a later date and the XXXX check cleared on XXXX/XXXX/2015 and the several small amounts where considered as overdraft and non-sufficient funds-with a date of XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I provided several do not call requests to Regions Bank over the last few years. I am continuously told the only # that they are able to call is my mobile as I requested. However they have contacted my sister, mother, and XXXX year old grandmother, notified them that my account was in bad standings and have not contacted me directly neither in writing or by phone on the " only number they can dial '' as they 've told me multiple times. This is not the first time they have done something like this nor is this the first complaint I 've had to submit regarding Regions continuing to do what they want. I 've spoken to supervisors, managers, and even a regional manager, yet this continues to happen.

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 2016-08-12 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: NM

Complaint narrative:
received letter from AFNI saying i owed monies on potential litigation. i was not in an accident on date of lose XXXX, i have never heard of this litigation, this seems to be total fraud. they give the insured name as XXXX XXXX XXXX never ever heard that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 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: PA

Complaint narrative:
Received correspondence from EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor XXXX bank. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a savings account with Regions bank and my banker did not disclose that I had to keep a minimum amount of {$300.00} in the account or I would be charged a monthly fee. Now I ca n't even close my account because there is also an early closing fee just to get rid of the account. It 's not disclosed anywhere in my opening packet and I had to search on the bank 's website for a fee schedule PDF where it 's mentioned -- it 's not shown anywhere on their site. 

Regions Bankhttps : //regions.com

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 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: TN

Complaint narrative:
I 'm a victim of identity fraud. I recently checked my credit and received notification from this company that an account was opened in my name. Upon calling the company we were able to ascertain who opened the account in my name and they have contacted the individual and currently in the process of handling the matter with that person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 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: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I sent a Certified Collection Validation Letter to GC Services Limited Partnership on XX/XX/XXXX. As of XX/XX/XXXX They did not reply to my request therefore this account should be removed from all 3 credit bureaus. According to XXXX they did not reply to my letter with the proof of debt. Instead, they filed the response under cease and desists all communication on XX/XX/XXXX. This information was put in by XXXX. However, the letter states " that no further telephone contact be made by your offices to my home or to my place of employment '' It does not state cease and desist written communication. I was told that GSC never forwarded my information to the original creditor XXXX. As a result and against 15 USC 1692g Sec 809 ( b ) of the FDCPA this account has been reported to all 3-credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: CA

Complaint narrative:
AFNI , INC Has submitted a collection that is not mine. I have never used " XXXX '' and I do not owe XXXX or AFNI, INC. any debit. I have had NO communication with either of these companies by phone or by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: TN

Complaint narrative:
XXXX and AFNI Debt Collection Services are negatively reporting on my credit report with XXXX, XXXX, and XXXX that I am late and owe {$330.00}. I filed police report # XXXX and Report # XXXX regarding identity theft with the XXXX Police Department. This is an unauthorized account. I would like XXXX to stop selling my information to debt collection companies for an unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
My phone was turned on XXXX/XXXX/15. Starting on XXXX EOS CCA has called me every two days since then.After 6-7 calls I had let go to voicemail I finally answered ( XX/XX/XXXX or XX/XX/XXXX ) and they are looking for someone named XXXX -- I let them know he does not have this number and to cease calling. They continue to call. 

Latest calls are a XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX at XXXX. 

A couple of times when I have tried to ask them to remove my number from their data base, they ask if I am the debtor the are seeking, and the second I say no, I just get hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 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: AFNI INC.
State: CA

Complaint narrative:
I continue to get bills from AFNI for {$1100.00} for an XXXX XXXX XXXX XXXX account that was paid through a back and forth dispute between XXXX XXXX XXXX and myself. The account was already handled by XXXX XXXX , XXXX who continues to call me and leaving messages or hanging up 2-3 times per day. I did make a complaint to the CFPB and explain that the account was taken care and paid through another collection company XXXX XXXX in XXXX XXXX. I have been in dispute with the original creditor and have an ongoing case open with the FCC against XXXX XXXX XXXX. AFNI Inc. has continued to report inaccurate information to the credit reporting agency about a debt that is not correct. I have now sent a complaint to the XXXX Attorney General about AFNI violating my rights under the Fair Credit Reporting Act. I do not owe the AFNI anything and they continue to report inaccurate information to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: American Credit Resolution, Incorporated
State: CA

Complaint narrative:
Between XXXX and XXXX I received three calls from an unavailable number ( one call being before XXXX ). He stated his name was XXXX XXXX, a legal courier. He did not mention the name of his office, but stated he would be serving me papers either at my residence or place of business on XXXX. I was advised to call XXXX re : claim # XXXX. 

When I called the number I was told that because of an outstanding payday loan to XXXX I was to be charged with " bank fraud ''. But the attorney would be willing to settle my case for XXXX split into 2 payments. 

I was nervous and not yet done my due diligence so I provided a debit card and sent the approval forms. However after doing so I realized that this was not legal nor did it make sense. I took out a payday loan w/ XXXX, but thought it was repaid. And have received zero communication. Plus the loan amount was {$250.00} with a fee of {$45.00}. 

I called back and left numerous messages that they a ) needed to provide details to the account and b ) could not take the money from me and c ) if they did I would dispute to my bank. Additionally I emailed regarding the same. The three times I called were during their noted business hours and my call was redirected into an unknown voicemail each time. 

I will be disputing the charges to my bank today as they did withdraw the money.

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
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 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: GA

Complaint narrative:
The debt for internet service that was settled and paid over 6 months ago is still listed on my credit report as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I 'm writing to complaint about my capital One Essential checking account ending # XXXX. Capital One offered me this promotion " open an Essential checking account and after XXXX mobile deposits, your account will receive a bonus credit of {$200.00} '' XX/XX/XXXX, I walked in Capital One branch located at XXXX XXXX and XXXX XXXX in XXXX on XXXX/XXXX/16 and Capital One reps confirmed this offer and opened the Essential checking account for me right on spot, I immediately deposited XXXX checks via Capital smartphone app, and Capital One reps confirmed I 'm already qualified for this bonus offer of {$200.00} - they told me there was nothing else I needed to do, I just need to wait for this credit to show up on my statement. 

I waited until XXXX/XXXX/16, no credit, I emailed capital One, no response. I waited until today XXXX/XXXX/16, still this bonus deposit was nowhere to be seen, thus I have to file this complain, as I feel Capital One stated the credit is automatic within 6 weeks, and 6 weeks had already passed. They only cared for customers when new customer walked in branch to open account, once we becomes customer, they no longer answers email requests, and totally ignores existing customers ' concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I am a victim of Identity Theft. Someone has fraudulently obtain goods and services in my name without my proper consent. 

I am not aware of the item in question on my credit report and have not lived in the residence that is listed on my said credit report. On several occasions, I keep receiving calls from unusual number and when I check my voice mail. There is silence on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 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 received a NSF fee for an item even though I had a positive balance on my account after the item was charged. All of the items posted and left me with a positive balance at the end of the business day on XXXX/XXXX/2015, but on XXXX/XXXX/2015 the item was termed and I was charged an NSF fee. My online banking shows no sign that I was ever in the negative- I am attaching a copy of the bank statement. I spoke to XXXX people at the bank today, XXXX of which stated they were supervisors ( XXXX and XXXX ) who all stated that Regions Bank 's back office support is different than what their customers see via online banking. This is extremely disturbing- this ultimately means that the information related to the consumer is incorrect and can result in extra fees unavoidable to the consumer. 

I was advised that pending transactions from XXXX took precedent over all other charges that were posted the same day, even though the pending transactions did not post until XXXX/XXXX/2015. I hope I 've explained my complaint in a way that can be understood- I 'm still perplexed myself at the entire situation. The bank statement will clarify why I feel Regions Bank is acting unlawfully in not presenting all information to their consumers to assist in avoiding extra fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
judgment was filed for a credit card debt of XXXX of which XXXX is late charges. Payment could not be made in XXXX when economy tanked and consumer was laid off for XXXX years. I have paid {$2100.00} and have the money order receipts for these payments 0f XXXX dollars for the past 3.4 years. I called to settle this debt and was told it would be based on my current income and Sessions and Rogers wanted to go overall of that on the phone. XXXX charged this account off but is still reporting on my credit. I called XXXX and they can not give me any information because the account was sold. Sessions and Rogers say they do n't report to the credit bureau. I feel like I have paid my dues on this account. We are having lay offs at my company and I want to settle this account as paid with no further payments. I cant get any straight answers. Sessions and Rogers filed a notice of right to have exemptions designated and I completed this to show I had XXXX assets at the time. They still sent the sherriff with a notice demanding payment with court fees attached which appears to have been an unfair and deceptive practice of harassment. I would like to have this judgment released. Enough is enough. I have not missed a payment in XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am currently enrolled in a XXXX program and unable to pay my student loans, I have called Navient everyday for a week and most days 3 times. I have verified that my school has submitted my name to the XXXX XXXX XXXX and Navient is unable to find my information there to confirm that I am enrolled full time. I called today and pleaded with the representative at Navient to look in the system or transfer me to a supervisor that may be better equipped to assist me. Instead I was spoken to in a rude condescending manner. I had to apologize to the representative for bothering her. I do understand that Navient is trying to do all they can to get a payment for their loans. 
I do not think it is fair for these loan companies to belittle their customers by screaming at them or ridiculing the distressing financial situations of their customers. This behavior is similar to " bill collecting '' and not assisting customers. 
My school official has submitted my enrollment to XXXX XXXX every 3 months since I started my graduate program in XX/XX/XXXX. The Navient representatives are claiming that the last record of my full time enrollment in the National Clearinghouse records is XX/XX/XXXX. This information is grossly inaccurate as I am currently registered in a 3 year full time XXXX and received my loan disbursement a month and a half ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 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 get paid every other Friday. I checked my bank account on XXXX XXXX ( Thursday ) at about XXXX XXXX and my account was positive. I woke up on Friday after getting paid and I had {$210.00} overdraft fees. I called and spoke to customer service the next morning and explained the situation and XXXX from Regions told me that a check cleared on the XXXX. I explained to her that when I checked my account at XXXX XXXX that it was in the positive and why did I get so many OD fees? She could not give me a time that it cleared. I went the local Branch of Regions and spoke to the Branch manager and he said that he would have to send the situation to his regional manager and get back to me. I called back a couple days later and he said that a check cleared on the XXXX but he too could not give me a time when it cleared and said they could not give me any of the OD fees back. He said that they have a XXXX in a lifetime forgiveness policy and could not help me. I called channel XXXX news cause of his demeanor and the way XXXX treated me on the phone and XXXX from Channel XXXX gave me this link to contact to send a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Pursuant to the Fair Debt Collection Practices act there must be a contractual agreement and they have failed to provide this. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
Pulled credit report XXXX/XXXX/15. Sent validation request of 3 medical collection accounts. Received response from Business and Professional dated XXXX/XXXX/15 refusing to provide validation. Their " reasonable belief '' is incorrect ; validation request was NOT prepared or submitted on my behalf NOR was it supplied by a credit repair organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collection Agency, " XXXX, UT '', has garnished my wages for a medical bill and now they have sent a collection notice for the same bill that I have been garnished for. I have called this agency and asked if there was any more dept, they said they could not find any. This agency has a reputation for trying to collect on a debt twice. Being dishonest. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION

Complaint narrative:
it is impossible to contact my credit card. They provided an international phone number after I placed a claim here : it 's a fact, but that automatic voice service requires a social security number/ tax ID number/ telephone pin number. As a XXXX non resident XXXX, I do n't have a Social Security nr. I was never ever informed by the bank any telephone pin, I just have the regular pin that I use. I 'm trying to buy a wheel for my car, and it 's just impossible because I ca n't access Regions Bank Visa and they have n't authorized the purchase.

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