vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, SHOWS ACCOUNT IN COLLECTIONS AS OF XX/XX/XXXX FOR {$140.00} AND ANOTHER FOR {$32.00} DATING BACK TO XX/XX/XXXX. BOTH ACCOUNTS WERE PAID AND I RECEIVED A LETTER FROM THIS OFFICE STATING SOMEONE HAD HACKED INTO THIS DOCTOR 'S PATIENT MEDICAL RECORDS. I REQUESTED THE XXXX REPORT FOR FREE DUE TO THIS WARNING, AND IT SHOWS, BOTH THOSE AMOUNTS ARE STILL OUTSTANDING. PLEASE HAVE XXXX XXXX XXXX 'S OFFICE REMOVE THESE XXXX CHARGES!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
My husband and I filed for bankruptcy in XXXX and was discharged in XXXX. In our bankruptcy was an account with XXXX. Recently, Old National Bank bought out XXXX and acquired all of their accounts. We checked our credit in XXXX of XXXX and there was no claim on our report for Old National Bank. We checked our credit report again in XXXX XXXX and Old National Bank was reporting on our credit as a bankruptcy discharge. By them doing this, it has dropped our credit score by XXXX points. We have never had an account with Old National Bank and were already penalized XXXX by XXXX XXXX back in XXXX for this account. We are being penalized again by Old National Bank for an account we never had and that is over XXXX years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Regions Bank account ending in XXXX was opened in XXXX. Only XXXX overdraft/returned item fees were accrued in ten years. A cyber theft scare in XXXX XXXX forced me to change account numbers. Making it look as if it were a brand new account. From XXXX XXXX through XXXX XXXX {$1700.00} in fees alone were seized by Regions, or by other companies in direct connection to their actions. Deposits were not credited. Deposits could not be made due to repeated ATM failure. Debit cards disappearing in the mail. Debit cards sent with the wrong PIN number. Payments were returned resulting in late fees. My credit card account was closed when a payment was returned XXXX times in one month. My credit score dropped from XXXX in XXXX of XXXX to XXXX as of XXXX of XXXX due to account closures and having to use credit for many basic needs. 
Upon my thorough investigation I discovered several payments were not returned to the companies even though Regions said they were. Transactions were reprocessed, dropping the balance of the account so other charges did not clear and fees accumulated. Dropping the balance further and creating a snowball effect that I have yet to recover from. I have proof I made deposits that do not show up on the ledger in the form of processed checks from my clients. As well as proof of payments not being sent back. In XXXX XXXX I opted in to overdraft protection. I figured if I was being charged, I may as well not have the payments sent back to the companies. Nothing changed, however. Hoping it would stop charges from being processed, I opted out in XXXX of XXXX after {$1100.00} in fees were taken in seven weeks. Most being returned item fees. Even though I was opted in and depositing money every day. Several lengthy phone calls were made to Regions during this time to try to fix the situation. I was told to open a second account for personal charges or open a savings account. I did n't think another account was a reasonable option. No real solutions were presented. 
I am attaching a comprehensive folder of all transactions during the eight and a half months I held the account. The whole situation became completely overwhelming. I continued to pump money into the account daily hoping it would stop payments from being sent back. I was not able to pay my rent. I was forced to sell several of my personal possessions. As I am single and live alone I have no-one to help cover the necessities when I am not able to. This whole thing has nearly destroyed my life and I am still struggling to recover. Fighting to pay down the bills that accumulated while this was going on. I have yet to get back on my feet. The actual ramifications have yet to be completely revealed. New bills present themselves every day because I 'm struggling to pay off what occurred.

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 2016-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
I would like to file an additional complaint against Old National Bank. Upon reading the response to their complaint more thoroughly after disputing the original response, I read that Old National Bank claims that I went into the banking center which housed my bank account exhibiting disruptive and belligerent behavior. This could not be further from the truth, as the banking center which housed my checking account is located in XXXX, which I have not been in for over a year, as lately the job I have has me working in XXXX and the XXXX. I can barely find the time to drive down to XXXX to service my customers down there. This statement is slanderous and libelous. I expect Old National Bank retracts that statement. I did raise my voice on the phone with collections, but I only went into a banking center of Old National in XXXX to make a deposit. I expect Old National to be truthful in their response. Lying and slandering people is not " banking with integrity '' which Old National claims to do. Furthermore, I would like the XXXX be contacted and the removal of their accreditation of Old National Bank to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Good morning. This is the 5th time I have written. No solution is in site. Bank of the West seems to talk out of both sides of their mouth. They tell " half '' the story when responding and believe that it will resolve the complaint against them and their wrongdoings. 

The bank ca n't have it both ways -- ignore the relevant facts and only point to the facts they feel should be looked at and support their way of thinking. 

Please let me explain -- One -- BOW refused to renew my 10 year loan based on a credit score that was below their threshold for renewal -- true. But again, that is a " half truth. '' They are the ones that caused the lates on my credit report that reduced the score. In other words, they unilaterally created / lowered my credit score for which they ultimately used against me to not renew. How can that be right / legal? 

Two -- For almost a year and a half, I have noted this problem as a note to my monthly payment. ( see attachment herein ) Every month, without word, Bank of the West cashed this check. They claim that there is a paragraph in our note saying they can ignore any written language on a note - true. But again, that is a " half truth. '' There is language, but it is not legal language nor is it enforceable language. 

If they do n't agree, they should n't cash the check. But they have, since the beginning of last year. This is not an isolated incident, but an ongoing habit of theirs. 

There is no known law that says they can proceed as they have. It is just " bully '' language by the lender. 

Bank of the West wants it both ways. That is not right. Please help me to hold them accountable to what is right and the law. Thank you.

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 2015-07-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: EOS Holdings, Inc.
State: IL

Complaint narrative:
Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for 9 years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
I called my auto finance company and they refused to give me any of my own information. I asked for a proof of loan from them so I can get my bill taken care of and they refused. They are basically holding my information for ransom until I pay my bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I have made multiple attempts to pay this bill online using a number of varying combinations of the client account and zip code information that was provided to me on the notice I received dated XXXX and am getting a error message stating that the CUB and/or zip code is invalid. 

Pursuant to the grossly inaccurate account and customer information provided to me by this organization for use in employing the advertised on-line payment options on the notice dated XXXX, it would appears as though this organization is actively and knowingly employing deceptive and misleading business practices that are not in compliance with the XXXX Fair Debt Collection Practices Act. 

Furthermore, during a conversation with an agent on XXXX/XXXX/16 when I stated that I was intending to pay online, I was solicited to provide credit card information over the phone to the agent rather than pay online and was told that sending a payment by check would not satisfy the amount due as interest was collected each day. 

In order for customers to fulfill their obligation in a timely manner and prevent any further interest or derogatory actions, organizations must provide customers with the correct identifiable information by which to employ the advertised payment options methods. 

When I sent an email to the advertised address on this organizations website as a formal request for the organization to provide me with such information for use in paying the account balance online and without any further delay, it was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
Collection company called EOS CCA called my phone number and required me to call them back. I was not the person they wanted to talk to. Under the law, if I called them back and the debt was mine, it would constitute my initiating contact and the statute of limitations would begin all over again. Their number is XXXX. This practice should be outlawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
we have lived in our home for 30 yrs. We are XXXX & XXXX yrs old. We have a son that is XXXX old who is a XXXX individual of XXXX. We have been scammed by our mortgage co as they have altered the income information greatly. Took my wife off the mortgage when she was the main source on income. Have a XXXX mortgage and we never took any money out of the house. My income was {$800.00}. per month from my part time job. The bank altered it to {$8.00}, ooo. per month. I did have an attorney look at the original loan documents and she has told us that it does most certainly appear to be fraudulent and it would take thousands of dollars to proceed. we do n't have the money we are broke. We would like the bank to make good on their error asap before foreclosure as the pressure and the stress at our age and XXXX are too much to bear any longer. We tried for a loan modification XXXX times with and without help with no success. They always needed more info or the info expired it was a two year process. I hired a group of lawyers to help us and they scammed us and also made us enter into a credit card program that was also a part of their scam. They are all under arrest and have been indicted by the XXXX XXXX XXXX 's office. that was over {$21000.00}. we lost. we have been in contact with that XXXX 'S office XXXX times after all their assets are seized some monies could be refunded to their victims. This has been going on since XX/XX/XXXX. We have no money to get a mobile home in a XXXX community, and we can not get any financing because our credit scores are not high enough and that is what I want to do. I am not looking to get rich over this but some money to buy a mobile home outright and some money for the anguish my wife and I have suffered would be satisfactory as this mortgage company has not helped us at all of even shown us some compassion from the beginning. They sold us a mortgage they knew we could not afford and would eventually foreclose on us. They know they are wrong we had an attorney put a cease and desist order on them as they were calling XXXX times a day and having me explain it over and over again. They have called some XXXX times since the cease & desist order was placed on XX/XX/XXXX. 
I am really at the end of my endurance financially, emotionally, and self worth their is nothing else for us to do. Soon we will be homeless I never thought my life would end this way after all the years of hard work this is what we have come to in our lives Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
This lvnv debt was not from XXXX but from XXXX. They just keep updating it. It is no longer collectable in Oregon after 7 years so they change the original date to make it look recent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lansing Professional Business Bureau,Inc
State: OH

Complaint narrative:
While gainfully employed by " XXXX, i was assigned to pick up scrap metal battery racks from " XXXX '', in XXXX XXXX. On XX/XX/XXXX, while i was loading said battery racks, XXXX racks that were stacked on a pallet fell upon my XXXX. I was taken to " XXXX XXXX XXXX '', were i received medical treatment for my XXXX, for which defined said XXXX as a XXXX issue. On or about XX/XX/XXXX i officially provided XXXX XXXX of " XXXX of XXXX of who i received medical treatment from in writing, for which was " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, phone # XXXX totally {$6700.00} and XXXX XXXX XXXX, XXXX Physician, XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone XXXX totaling {$2200.00}. Pursuant to the XXXX self insured contract and settlement agreement and release, " XXXX XXXX XXXX of XXXX '', was responsible for paying the medical bills. The XXXX contract nor was the settlement agreement and release was honored, for which defines a " Breach of Contract '', and a violation of Federal Law. The aforementioned has caused me significant hardship due to my not being able to obtain a loan to purchase a house and vehicle to start my own business. 
Consent to publish the description of what happened?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Concord Resolution Inc (Closed)
State: NJ

Complaint narrative:
Around XX/XX/XXXX-XX/XX/XXXX i made a big mistake & borrowed from a couple of pay day loans. They were paid back and over a period of time requested me to re borrow. Unfortunately, shortly afterwards, I started receiving calls from different people with heavy XXXX accents requesting money. At first, i thought they were from the same company i had paid off since it was done on line. Unfortunately, I did not realize until someone called saying i still owed on my pay day loan. As soon as I pay another person would call threatening me for payment. Once asked for what loan, they would just for a pay day loan and I was going to be arrested. There has been times, money was taking from my account without authorization. Once I realized what was going on, I went into my bank. The bank inform me to be careful because they have seen this happen to other customers in the past. It was suggested to make a hold on my account. Prior to me realizing what was going on, I even purchased prepaid cards to avoid problems and overdrafts to my account. I realized my information was given out to other company 's through the web because before I knew it, there were several lenders claiming i owe them. At this time, I started hearing about more and more people getting scammed. Therefore, I went to the police department and filed a complaint. I gave the names and numbers of different representatives. I was embarrased and was told I should have never borrow that way and especially sharing my information on the web. Unfortunately, I had gone through a separation and was in a financial dilema. However, I was advised to close my accounts and be careful with the internet. I admit during that time, I was not that familiar with how the internet worked. I called credit bureau 's and put security freeze/fraud alert on my accounts as advised. To date, it still remains. I feel it is time to take action because about 3 weeks ago I just received a call from Concord Resolution who now say {$480.00} is owed and they represent the company that got me the loan in XX/XX/XXXX or XX/XX/XXXX. They claim since my account was closed they could not collect. Again, this is strange because why i have to pay a company who got me a loan for what I borrowed when fees are already included. Lord in behold, XX/XX/XXXX, a call from a XXXX XXXX who represent a company say {$500.00} is due. I truly want to stop this because i spent a few thousands in the past. I plan to retire and can not redo this XXXX again. It effected emotionally and financially as well. Continental representative could not give me the name or the address of the company. I will look back and give names & phone numbers I guess when needed. I have so many names & numbers until it is confusing and very stressful to me. I would never borrowed in this manner and not pay what i owe. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
The property management company of where I once lived sent my outstanding rent balance to collections. I now have a collection item on my credit report for {$5300.00}. 

The reason I stopped paying rent at this location -- and I disputed this in court -- was because the property management company refused to make the maintenance repairs that I requested, after countless complaints. The repairs needed began to affect mine and the other tenants ' quality of living, one tenant being a XXXX year-old child. 

I began the escrow process, and even after the judge and city code enforcememt ordered the property to make the repairs, they still did not. I was eventually evicted for non-payment. I was a model tenant and up until the time I stopped paying rent, I had paid my rent every month ON TIME and OVER the amount due. 

I am requesting to have this item removed from my report, as well as from the report of the other tenant who was on this lease, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I contend that all of the inquiries made by CONTINENTAL FIN CO, XXXX XXXX XXXX, XXXX, DE XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
Realtime Resolutions is reporting a Duplicate Loan From XXXX XXXX XXXX. I have contacted and filed a complaint against XXXX XXXX XXXX for the same loan. My records indicate that my last payment was over 7 years however they are still reporting this account.

Company response to consumer: Closed with explanation