vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Oracle Financial Group LLC.
State: VA

Complaint narrative:
I received a call from number XXXX from XXXX. He left a voicemail saying a case was being filed under the county I live in.He did not provide the name of the original creditor that was collecting on this account. He said he was legally notifying me by phone and that I would need to call XXXX to speak to someone before the case was filed. He said if I did n't call the XXXX number, the case would be dispersed from their office. He also stated that, unless otherwise noted, I would be located and the matter would become a public record. He did not leave me the name of the company or that this was an attempt to collect a debt. When I call the XXXX number back, there was a recording for Oracle Financial Group. I have never received any correspondence by mail from this company or any other phone calls beside the one I received today. The call sounded very threatening.

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 2016-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
We have sent mutiple request, XXXX by calling and also sending letters, the last was a Certified Letter XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, 2015, to have them produce signed documents and statements showing I owe and debt, to date we have not been provided the proper documents as required by law to collect and debt, further research shows a pattern by this company to change names and also complaints against their collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
I was admitted to XXXX XXXX XXXX XXXX in XXXX, IL. They provided a grant which paid for the length of my stay including doctors visits and test as well as room and board, but individual doctors have sent arbitrary amounts to collection agencies. I now owe {$2500.00} in medical bills I was unaware of. The culprits XXXX XXXX XXXX XXXX, {$210.00} ; XXXX XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXXConsent to publish the description of what happened? 
Consent providedWhat do you think would be a fair resolution to your issue? 

I think these companies should have given me an opportunity to make payments such as the XXXX companies. The docotors listed are clearly engaged in predatory billing practices when XXXX XXXX XXXX awarded me a grant for the stay XXXX. I want my credit restored it is all medical bills and every single company listed will not work with me, nor settle on terms. I need a help I am a struggling student with only medical debt, and I can not take out any loans to complete my education without these taken off my report. I ahve not been reckless and I have not lived beyond my means. PLEASE HELP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-04-07 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:
I had a XXXX account in XXXX, XXXX and 3 months of XXXX. It included XXXX XXXX XXXX home phone XXXX XXXX XXXX XXXX High Speed Internet and XXXX XXXX XXXX XXXX XXXX on XXXX bill. My bill was about {$150.00} on average per month. My wife took care of the bills. In XXXX of XXXX I looked at my XXXX XXXX XXXX monthly billing statement that was on the coffee table. I about blew a gasket, the bill was over {$400.00} for the month of XX/XX/XXXX. Under Billing Summary there was a new service included, XXXX XXXX XXXX Wireless. My daughter and her boyfriend XXXX XXXX ordered XXXX XXXX XXXX wireless and somehow added it to my XXXX XXXX XXXX account without my knowledge or permission. I called XXXX XXXX XXXX and asked who authorized the wireless service on my XXXX XXXX XXXX account? They said XXXX XXXX did. I said no I did n't, besides that 's not my name. I 've never used XXXX XXXX for anything I 've ever subscribed to or signed up for. I cancelled my complete account. XXXX XXXX XXXX home phone, XXXX XXXX XXXX high speed internet, XXXX XXXX XXXX XXXX and of course XXXX XXXX XXXX wireless. It was shut off on XXXX XXXX, XXXX. I have a Final Bill that shows under Billing Summary everything was shut off except XXXX XXXX XXXX XXXX, that they charged me an extra month for {$40.00} even though I cancelled it with the other services. I paid my final bill and that was that. WRONG! I did n't receive anymore bills, but the wireless service continued without my permission or knowledge. The service statements changed to XXXX XXXX XXXX Mobility, different color bill statements, billing address was different, account number was n't my account number from the XXXX XXXX XXXX service I had. XXXX XXXX was the name they used on this new account even though I freaked out at them for it being on my previous XXXX XXXX XXXX account that I paid and closed. So this new wireless account used XXXX XXXX ( I 've never used ) had a different billing address and a different billing company and a different account number. XXXX last thing, on the final bill for this unauthorized collection account there after me for they changed the billing address back to my address on the XXXX XXXX XXXX account I had previously closed. So they changed the billing address on the very last bill statement to my address. Is n't that illegal? I think so, I know it 's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fell upon hard financial times! XXXX business went under, had to sellshares of another business to cover due from share holder! went through a long costly divorce! 
I changed from office/owner to hourly employee! with a drastically pay cut! 
I found myself homeless ( house foreclosed on! ) and owing money I could not repay! I called Region 's Bank and explained to them my status! They ( same day I called ) immediately came and took ( repossession ) Motor Home! Yet after them taking Motor Home my Debt with them went UP! they did not give any value ( for what they sold it for )! They keep showing recent payments! I have notmade any payments to Region 's Bank for Motor Home once theyReposed it! 
Due to my misfortune 's and the Banks tactics I have no choice butto file Bankruptcy!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regions Bank charges a Fee of {$1.00} if you pay early on your credit card account. Not interest, just my normal monthly payment I pay in full each month. Yes, they waived it, but I had to call. I 've paid early on various other cards under the same conditions, and never seen any penalty for paying a few days early. 

Please determine if this policy conforms with regulations. 
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 2017-01-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
Medical office has no record of me visiting doctor yet still turned over erroneous bill to Credit Consulting Services. Request for debt validation sent on XX/XX/2016 went unanswered. Nothing was sent by them to my address nor was it received. Without validation there is no proof that the debt is mine. Now they went to the credit reporting agencies to blacken my name and blackmail me into paying a bill that has nothing to do with me. Please help me defend myself against this cruel, vindictive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: NC

Complaint narrative:
I signed up for this service and was unsatisfied with it. Within the contract it clearly stated that I had 30 days to keep the service or cancel and return the box and remote. After one week of service, I was not satisfied with it and returned to my previous television provider and had a box sent to me to return the equipment. I have made several attempts to resolve this, however, the company is charging me for service that I did not have for more than a week.

Company response to consumer: Closed with explanation
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 is not mine
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX - Phone # XXXX is reaching out to my wife, family and myself on a debt I do n't owe and never even heard of owning. This is the first time I heard of owing any money to this company or the original company they are trying to collect this alleged debt for. They are a third party company trying to collect a debt for an original company that I never owed money to. The company they claim I owe this money too is XXXX XXXX XXXX. The debt they say I owe is supposedly from an address I lived in over 7 years ago. This company will not stop calling my family on their cell phones, myself and any number that I am associated with. I am going to take legal steps into suing them for every time they called me starting from when they called my wife. I thought filing this complaint would be a better route to go as I do n't want any money, I just want them to leave myself and family alone as they are harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: IL

Complaint narrative:
I have a XXXX XXXX bill on my credit report. I paid this item, but I was never issued a notice and had no opportunity to dispute the debt. Because a dispute investigation was never conducted, then it should not show on my credit history. Please remove from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an account with regions bank and I was in the process of tring to do a modification due to an XXXX and the company did not do the modification after only XXXX into the process they company has charge me foreclosure fees XXXX and XXXX. The home never went into foreclosure I caught up the payments. I have called numerous times to get this resolved was told all fees would be reversed and still XXXX months late they are not. Please .This has been a horrible experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-09 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:
my bank is in the habit of going back in time and retro actively changing the order in witch money moves in and out of my checking account, so that they can charge me an over draft fee i would like this false system of charging the customer to stop. And i want my {$36.00} put back in my account today!

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 monetary relief
Consumer complaint received 2015-12-21 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: Credit Bureau of York, Inc.
State: PA

Complaint narrative:
I sign a contract with the company XXXX XXXX XXXX, for one year, when I sign the contract the manager with the name XXXX, told me, if you cancel the lease before the year, you lose the down payment, and all is ok. but after 6 month I talk with her to try to cancel the lease, she said no, if you cancel the lease know, you need paid the total pending in the lease, for XXXX, I deliver the keys, and she put my information under collection for the value mentioned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Hi, I applied for a Stated Income HELOC from Bank of the West. I had one with them prior. During the phone application they suggested/offered to open " multiple products '' as part of the application process. I wanted a specific kind of HELOC which was difficult to get. It seems like they could have decided I did not qualify for that HELOC without making a credit inquiry. However, I think the bank was more interested in opening other types of accounts that required a credit inquiry. This was even though they could have known I did not qualify for the HELOC without doing an inquiry. It was sort of a " bait and switch '' kind of an application to get me to open other accounts. 

After the bank pulled the credit, which I believe was unnecessary to decide the HELOC application, and subsequently rejected the HELOC application, I was stuck with an unwanted inquiry on my credit report and an unwanted credit card. I complained about it and said I wanted the credit inquiry reversed. 

They elevated it to compliance, reviewed the taped conversation, and said their process and disclosures were appropriate. I had been under the impression that signing up for other products would be advantageous to my HELOC application. I think they just wanted to pull credit to " sell '' other products, being fully able to determine without pulling my credit that the HELOC application was going to be rejected. This was because the HELOC denial was based on debt to income ratio, not credit. 

I suggest that this bank disclose that applying for other products has no bearing on the HELOC application and not try and mix the two application processes. I also suggest that they determine if the applicant 's debt to income ratio would disqualify the applicant prior to pulling credit. Other lenders that do not cross sell other products are easily able to determine this without pulling credit. 

Thanks, 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 2016-05-20 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
After applying to open an online savings account with GS Bank, they have been unresponsive to me after gathering my personal information. After applying for an account, they ask you to submit personally identifyable data to verify your identity. After submitting the data, an error message appeared saying the account could not be opened. When I called, they are refusing provide me with information as to why. Per the account agreement online, the only requirements are that individuals be US residents, XXXX yrs or older, and have a physical street address. There is no minimum account balance required. After calling them, they refused to provide more info and said I would get a letter in the mail, several weeks have passed and no letter. I feel that they are not treating me fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
THE BANK CHARGED AN ADDITIONAL IMPROPER {$35.00} DOLLARS INSUFFICIENT FUNDS FEE, PLUS A MONTHLY SERVICE CHARGE OF {$10.00} TO TAKE AWAY MY EARNED {$10.00} DOLLARS BONUS FOR USING POPMONEY SERVICES. AS BECAUSE OF THIS BANK ACTION {$48.00} DOLLARS IS MISSING FROM MY BANK CHECKING ACCOUNT. 
THIS BEGAN THURSDAY XXXX XXXX AS A MERCHANT REQUEST FOR PAYMENT CAME IN FOR IN WHICH THE BANK PAID AND CHARGED THE {$35.00} INS.FUNDS FEE THIS MADE MY ACCOUNT BALANCE A NEGATIVE - {$8.00}. EARLY FRIDAY MORNING I MADE A CASH DEPOSIT FOR XXXX DOLLARS THIS BROUGHT MY ACCOUNT IN THE POSITIVE TO {$XXXX, LATER THAT MORNING VIA ONLINE BANKING I CHECKED MY ACCOUNT BALANCE IT WENT FROM XXXX TO. {$160.00} MISSING {$35.00} dollars. ADDITIONALLY THE BANK CHARGED MY ACCOUNT A MONTHLY SERVICE CHARGE FEE OF {$8.00} BUT I HAVE A NO INTEREST EARNINGS CHECKING ACCOUNT WITH NO MONTHLY SERVICE FEE CHARGES. AND CUSTOMER SERVICE REPRESENTATIVE WOULD NOT EMAIL OR US POSTAL MAIL SEND ME A CLAIM FORM FOR THIS ISSUE, 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 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: AFNI INC.
State: NM

Complaint narrative:
I switched cell phone service providers from XXXX to XXXX XXXX XXXX over a year ago. I asked to keep my XXXX number and XXXX XXXX XXXX processed that request. However, before they did that, they created a new phone number without my knowledge and put charges on it ( under my name ). I never knew those charges and phone number existed until I received a notice from a collection agency for non-payment of {$87.00}. In the meantime, I had been paying my bill as agreed and was not in arrears. I tried without success to speak with XXXX XXXX XXXX about this ; I 've been trying to resolve this for many months. At first I was told on the phone that the matter had been resolved, but apparently it was not, because I got another notice from AFNI, the credit collecting agency, a few months later. I now am having difficulty securing a good interest rate for a mortgage because of this derogatory report, which is NOT my fault but is adversely affecting me. I called AFNI who only told me that I could pay them or wait until the account went back to XXXX XXXX XXXX after they 'd had it a full six months. They said they 'd file a dispute but that it would n't 'stick. ' I have heard from the local XXXX XXXX XXXX store employees that this is not an uncommon issue - yet I am having to deal with this despite their knowledge that this is a problem for other people, too. Please help -

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
Agent named XXXX from NW collections called from XXXX never Identified the debt did not verify if I was the consumer never stated the mini Miranda or tape disclosure was rude and harassing exact statement when I question the validation of debt her exact statement was you do n't ask questions until she is done speaking did not provide s first notice or any validation of debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Here are the key facts : I opened a credit card ( Regions Bank DBA XXXX ) in college at XXXX University ( XXXX - XXXX ). Date account was opened XXXX/XXXX/XXXX. 
I paid as agreed until the card expired I left college, got married, changed to my married name, and pursued joint credit products to support new our new lifestyle The original account went dormant ( address was still maiden name and student address at XXXX Univ. ) Regions Bank ( DBA XXXX ) applied an account service charge in XXXX, but consumer was not made aware. 
Regions Bank should have known that account was dormant because no subsequent card was activated since late XX/XX/XXXX. 
Regions Bank reported card past due 180 days. 
Customer discovered mistake in XXXX XXXX during mortgage refinance attempt ; fees skyrocketed when applied jointly. 
Customer notified Regions Bank - account was closed ; customer service representative pledged to correct credit history. 
Customer had to remove name from mortgage application to get fees back down ( fortunately husband 's credit score is XXXX - based on all jointly held accounts since XXXX ). I was not able to get a mortgage loan to refinance my existing loan at prevailing rates. The only way to move forward with the transaction was for my husband to refinance the loan in his name only. This makes no sense because in 17 years ( since XXXX ), every one of our credit projects have been held jointly by both of us. He has an XXXX credit score, and mine has been marred by this erroneous information that the lender ( Regions Financial ) refuses to correct. 
Customer reviewed credit in XXXX ( XXXX ), and discovered adverse data had not been corrected. 
Regions must have applied the service charge in XXXX XXXX because my account went 30 days past due in XXXX XXXX. 
Customer contacted Regions Bank - customer service representative said " nothing could be done. '' Customer sent letter to Regions in XXXX XXXX. 
The bottom line is that I feel like I have been a victim of an institutionalized credit system. I have paid all bills presented to me. And I have paid all debts incurred by me. I am very upset that my credit history has been so negatively affected by a creditor who applied service charges on a card that I did not receive ; that I did not activate ; and that I did not use for personal benefit. I feel like the credit system has failed me and my family. 

Thank you so much for your help. I read the XXXX XXXX article titled " The agency that 's got your back. '' And it gave me hope that my voice might be heard. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief