vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: VA

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX to a firm, unnamed, serviced by Selene Finance, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX. During the handover of my mortgage to Selene, either XXXX did not hand over the credit for the XXXX 2015 payment I made, or Selene received it and did not credit it to my account. For almost nine months, while I have made monthly mortgage payments, XXXX has keep my account as " past due '' because of this error, and has threatened to put my home into foreclosure. As a result, my credit remains damaged, on an on-going basis. 
In addition, Selene held onto the escrow funds from XXXX despite numerous attempts by XXXX XXXX to get the portion for homeowners insurance. At one point, my home was uninsured as a result for one month. I had to pay the premium out-of-pocket rather than Selene paying the escrow. It was not until months later that Selene released the funds to XXXX XXXX and we received a refund, but the damage to our budget and credit was already done. 
I am trying to refinance so that I can pay a tax lien on my home and take out money for my daughter 's XXXX care, but with the continuing " 30 day past due '' status and threat of foreclosure, I can not get refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had XXXX large automatic drafts occur unexpectedly over a holiday weekend, this caused my account to not have sufficient funds available for swipes that occurred over the holiday weekend ( XXXX ) .I called the bank immediately after realizing the situation and plead my case asking for leniency and help with reversing some of the $ XXXX in overdraft fees alone. explained that I have been a customer at this bank ( regions ) for over 13 years and needed some assistance due to my financial situation. I then spent the next week making frantic transfers anytime my account was in danger of being overdrawn only to get hit with XXXX more overdraft fees when the sequencing of posting was off by who knows what. again I called the bank to try and determine what happened once again plead my case and ask for leniency to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: AFNI INC.
State: FL

Complaint narrative:
Most of these debts is paid in full and should n't be reporting only credit report for over a year but they are still reporting on my credit report no matter how many times I have disputed it it comes back as validate knowing that these debt are paid in full specially XXXX that I just made a payment of {$500.00}. Please look into this matter it is affecting my credit score and my personal and business life. The XXXX bill was paid in full. These collections items were not removed even if they did n't provide proof that it was validate. How would u guys validate a debt that you guys have no no proof

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Violation of personal financial privacy. 

I have been banking with Bank of the West for several years. I used an ATM card to view my account, pay my mortgage and transfer money from one account to another. Recently, Bank of the West replaced all the ATM cards of their customers with debit cards affiliated with Mastercard. I verbally complained to the XXXX Branch that I do not want that service as it made my checking and savings account vulnerable to fraud. I was told that it is now company policy to issue only debit cards as Bank of the West signed an agreement with Mastercard. 

Bank of the West has provided my personal financial information to an outside company. Bank of the West did not provide an opt out of replacing my ATM card with a debit card. 

I filed a complaint the the California Office of the Attorney General

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 2015-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: OH

Complaint narrative:
We have been enrolled in the Nationwide Bi-Weekly Administration ( NBA ) Interest Minimizer program for over 3 years. On XXXX XXXX, 2015, we noticed that our bi-weekly draws for our mortgage payment had not been completed, as scheduled with NBA. Upon contacting NBA, I was informed that all of their accounts had been suspended, and that we should have received an email in XXXX informing us of the situation. We had not received such an email. An NBA representative informed me that I should continue to make my mortgage payments to my financial institution on the normal bi-weekly schedule. I contacted the financial institution, and they said it was impossible to make bi-weekly payments to them. We would need to make XXXX payment per month, as before. Had this not came to our attention through our own personal accounting, we would have not known to send any payments to our mortgage lender, and would have ended up in default. On XXXX XXXX, 2015, I discovered, through an internet search, that the CFPB had filed a federal lawsuit against NBA, due to their ongoing dishonest practices against their customers, like ourselves.. My wife and I are asking to be included in that lawsuit as a plaintive, and to be eligible for any and all compensation that may be due my wife and I as a result of the current court proceedings, as we too have been deceived by believing that we were " ... saving thousands of dollars '', by allowing NBA to handle our mortgage payments. When, apparently, that is not the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
A month ago, I disputed the items on the following attachments off of my Early Warning Systems Report. I have not received any confirmation of receipt, no investigation results, or anything. I called them and they said that they have no record of my dispute. Attached is the final letter that I sent them today. I will be filing suit in court 30 days from todays date if these items are not removed from my report. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: U.S. Auto Credit Corporation
State: NC

Complaint narrative:
I am currently in default of my vehicle. I have provided the company with all documentation that has caused my default. I called today to make arrangements to pay the full balance on XXXX/XXXX/15 and they are refusing to accept my payment. But are making statements that I will have to pay fees to retrieve the vehicle from repossession. In addition, I feel the contract was forged because the car was initially only work {$5000.00} and now the loan is up to $ XXXX because apparently they gave me the full amount that I qualify for even though the vehicle was not that amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: CA

Complaint narrative:
XX/XX/2017 I began receiving letters from Afini collections about a debit they claim I owe to XXXX for an auto accident that they allege occurred on XX/XX/2017 On behalf of XXXX. They first claim that I owe {$1000.00} but have since reduced that amount to {$520.00}. 
My complaint is that I was never involved in an accident, and have never been contacted by XXXX about being involved in a traffic accident and Afini has not provided any other information other than a demand for payment. 
I was not involved in a traffic accident

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 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:
XXXX agent miss represent there service and payment fees for services and phones I bought. they stated one thing and I was charged another more money. I took XXXX to court and sued them and won. I owe them nothing and XXXX ended owing me money. Since then they keep trying to collect the money from me. they have different collection company 's try to collect money from me. each time I send them a judgment I owe XXXX nothing. That collection company will stop then another collection company will contact me. this is the fourth collection company that has harassed me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Regions bank did a hard inquiry and assesed my credit information on XXXX/XXXX/2014. I have n't applied for credit at this bank nor do I owe them. They were not given permission to look into my records. I contacted them and they said that they were not aware of any inquiry and could n't give me a reason why they looked at my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Nationwide Biweekly Administration, Inc.
State: GA

Complaint narrative:
I revoked Nationwide 's authorization to debit my account several months ago when my insurance and taxes went up. They continued taking {$330.00} out of my account every two weeks for a couple months after several requests for them to stop. I finally worked with XXXX XXXX XXXX and home mortgage and determined that XXXX was taking my money and placing it in a secondary account. Since XXXX XXXX does n't accept partial payments, my mortgage was n't being paid, resulting in a letter saying I owed them {$1600.00}. I paid this out of pocket and XXXX XXXX opened a fraud claim against Nationwide. My bank credited me {$990.00} out of the {$1300.00} that they determined that Nationwide owed me. I 've been waiting for the additional funds that Nationwide owes me, when I receive a letter from them stating that I owe them {$320.00} or they will turn me over to a collection agency. I called Nationwide in regards to the matter and they claim that they were paying my mortgage, when XXXX XXXX home mortgage confirmed they were not. I have spent in excess of 12 hours dealing with Nationwide and XXXX XXXX home mortgage trying to resolve this matter and thought it was resolved through XXXX XXXX, until Nationwide tries this deplorable attempt to further extort fraudulent funds from myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My wife and I applied to open a joint online savings account at GS Bank on XXXX XXXX. After 3 days of not hearing from them, I called them to check status of the account opening. Representative indicated they were declining to open an account because they could not verify my wife 's identity. GS Bank did not explain why they were unable to verify the identity of my wife of over 10 years, despite us both having many other joint accounts and credit cards with other banks over the years. Representative said a letter would be forthcoming from GS Bank explaining reason for declination, however, no such letter has arrived. Having supplied GS Bank with all of our personal information in order to apply, I find it unconscionable that they can refuse to open the account, not explain why, and yet continue to keep all of our information on file. Representative indicated they would keep the information on file as a declined application.

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 2017-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
This is from XXXX originally. The amount in XXXX of 2010 was less than {$150.00}. 
It is now 7 years old, EOS XXXX has illegally changed the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
We had a home several years ago that we had to let go because we owed more than it was worth. It was a rental property -- we tried so hard to get a loan modification but neither the XXXX or XXXX lender would work with us ( they pretended to but in the end demanded so much paperwork over & over again that we finally realized they truly were not serious ) Because we were retired we could not compromise our savings feeding the alligator on this home. The XXXX was held by Green Tree. They continue to call us night & day demanding payment ( over XXXX years ago it went & sold at sheriff sale ). When we pick up the phone it is a recording. When we call back we think we receive someone speaking outside of the United States. They are truly harassing us!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Retired at XXXX couple yrs ago. Yr ago rolled 401k to supposed conservative investment at XXXX XXXX. Lost $ XXXX first month. Couple months later went to Regions Bank on XXXX XXXX XXXX where had checking and savings. Told financial guy wanted to put $ XXXX in FDIC insured IRA like I had at XXXX XXXX. He said he had large insured IRAs paid more with variable yrs from 2 to 7 yrs up to 2.75 % only guarenteed .45 %. I asked him and branch manager sure they were FDIC insured and they said they were. They had stack of papers to sign on disclosure stuff. Split $ XXXX into 2yr, 3 yr, 4 yr, 5 yr IRAs. Several weeks later got large package in mail of documents and states all over them not insured. Went to bank and manager pulled up my account and he said my account is through there bank and insured for $ XXXX I put in bank. Looked through the original papers and found sheet they had hid in disclosure statements paper stating nothing insured. These guys lie and steal from seniors.

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 2016-01-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
On XXXX/XXXX/2015, I mailed an envelope from the XXXX Post Office to my landlord 's business address in XXXX, CA ; the envelope contained a personal check from my account at First Republic Bank payable to my landlord in the amount of {$1600.00}. On XXXX/XXXX/2015, an unknown individual entered a XXXX XXXX branch and negotiated my check with a forged endorsement. On XXXX/XXXX/2015, after communication with my landlord I contacted First Republic and let them know that my check had been fraudulently cashed. I then went to the First Republic location in XXXX XXXX and filed a fraudulent activity report after which I was told that the case would be reviewed and my account would be provisionally credited the missing funds. In the subsequent days I was told that First Republic does not offer provisional credit for fraudulent check activity and that the report/claim was in the hands of XXXX Fargo Fraud Department for resolution. 
I have been contacting a manager at First Republic weekly since the incident and am simply told that the fraud investigation is in the hands of XXXX XXXX. No timeline for a resolution has been offered and my attempts to contact XXXX XXXX Fraud have been totally useless - their Byzantine customer service/fraud department simply transfers a person back and forth. Is there no banking regulation that protects customers in the event of fraudulent endorsements?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I was involved in a settlement case in which I shared with thousands of affected borrowers against Ocwen, the mortgage provider whom foreclosed on my home illegally. Ocwen was charged with engaging in unfair and deceptive acts and practices in violation of the federal Consumer Financial Protection Act. Lenders and their loan servicing operations were accused of misconduct in determining whether foreclosures were warranted for thousands of high-risk " subprime '' borrowers who were having trouble keeping up with payments. Among other things, they were accused of misleading customers about the foreclosure process and alternatives to avoid losing their homes, and charging unauthorized fees. 
This illegal foreclosure has resulted in financial injury resulting in my being denied credit and obtaining another mortgage loan, due to the nature of the illegal reporting of the foreclosure on my credit file. I am requesting that this account be permanently removed from my credit file with immediate effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
This is about Hyundai auto finance company ... .they got my cell number from who knows where ... ..I have NEVER had a loan or ANYTHING with them, but they keep callllllllling me at least three four times a day sometimes more ..., ... they call when im on conference call and when they do, my conference cll drops ... and I have to redial in ... ..Ive sent them email telling them to " cease and desist '' ... ..and they talk to me like im the one infringing on their time ... ..they do n't leave messages, just call and call and call ... .its annoying ... .Ill NEVER buy a car from these people based on their behavior ... ..Ive never had dealings with them, a loan, nothing!! I HAVE TO PICK AN OPTION BELOW TO GET THIS THROUGH, BUT IVE NEVER HAD A LOAN OR NOTHING WITH THESE FOLKS ... ..I want them to stop calling me and or anyone else they are harassing! when u ask them to stop they do n't. then u call them they act like YOURE stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
I had to credit cards with Continental Finance : A Matrix MasterCard and a XXXX Mastercard. Last XXXX, I enrolled in a debt management plan with XXXX XXXX XXXX and both accounts were enrolled in a hardship program with the agreement to pay XXXX per card per month. Payments have been made consistently as agreed upon by the debt management plan proposal. However, Continental Finance is currently showing both of my accounts as " Charged of as Bad Debt, Profit and Loss Writeoff ''. In addition, they showed me as 30/60/90 days past due for the last several months. Both I and XXXX XXXX XXXX have been attempting to get a satisfactory resolution to this matter for over a month now. Last week, XXXX XXXX XXXX had been told that I had been " exited '' from the hardship program and that they would need to submit new proposals. However, today I received a letter from Continental Finance indicating that " Our records indicate that your account is currently enrolled into the hardship program. '' In short, despite being told I had been exited the program and despite the fact that timely payments have been made for the last 5-6 months, Continental Finance has incorrectly reported the status of my XXXX accounts which has caused a significant drop in my XXXX score.

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 2016-11-14 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: FL

Complaint narrative:
AFNI ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AFNI or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX F SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation