vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-09 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: Ability Recovery Services, LLC
State: PA

Complaint narrative:
On XXXX XXXX, 2015 I received a call from XXXX XXXX of Ability Recovery Services LLC about a possible debt. She sent me a bill for the amount of {$400.00} and a letter notifying me I could dispute the charges. On XXXX XXXX, 2015 I replied to XXXX with fact information regarding the account in questions claims that I had paid for the services rendered. 

A few weeks later I received another call from XXXX that she could not validate the account. She also claimed that 'Store It All ' whom claims this debt was to submit her contract information which I had asked her to send me when she received it. 

On XXXX XXXX, 2015 while trying to refinance my home it was brought to my attention that Ability Recovery Services reported this so called debt to the credit bureaus without validating the debt. 

On the evening of XXXX XXXX I tried getting in touch with XXXX but spoke with a XXXX XXXX of Ability Recovery Services whom was verbally aggressive and refused to validate the debt and demand I just pay this debt. I will not tolerate this abusive behavior from any business. I strongly believe Ability Recovery Services is in violation of the FDCPA and needs to be investigated. 

On XXXX XXXX, 2015 XXXX XXXX from ARS LLC returned a call I made and made me aware she has take over this debt and XXXX is no longer there. XXXX also gave me a hard time about validating the debt and I advised her of violating the FDCPA. I explained to her she legally has to provide proof of validation. She told me " that it will remain on my credit report and I have to pay the debt '' and then she hung up on me like everyone else there when I strongly ask for debt validation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
Collection Agency stated that I attended XXXX XXXX XXXX and owe XXXX for not completing. I never had any need to attend this school. I have a High School XXXX and a XXXX degree that was obtained in XXXX. This is erroneous and frivolous. As well I disputed with all XXXX credit bureaus. Its interesting that some was able to say it was verified as mine! others deleted as it was not able to be verified. Whats going on!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: EOS Holdings, Inc.
State: NE

Complaint narrative:
I received a call from someone identifying them selves as EOS CCA refused to tell me why they were calling unless I gave them personal information the caller id number was a XXXX number when I asked him where was calling from he said XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
This matter was previously filed under case number : XXXXThe merchant agreed to withdraw the disputed charges, but hasapparently reinstated these charges and has not closed theaccount as we had requested. 
Attached is their most current billing. 
We have not used this card since the complaint was made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 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: GA

Complaint narrative:
I deny this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge and have no contractual agreement with Afni

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 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: AFNI INC.
State: TN

Complaint narrative:
XXXX has continued to persue me over a debt that has been resolved. I have told them over and over that I have settled the debt but they still keep sending my account to collections. I have the settlement letter and the credit bureaus comments on the account stating the account has been settled in full.

Company response to consumer: Closed with explanation
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: FL

Complaint narrative:
I get calls from " XXXX '' about debt collection. I have no debt and no outstanding loans. The number they call from is XXXX and I am supposed to leave a message for XXXX XXXX or XXXX. I have left numerous messages to please stop calling me and I am on the " do not call '' list and I have blocked this number, but I STILL keep on getting calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I had a line of credit and over draft protection with bank of the west. they say I owe them {$35000.00} and because you did n't pay we close it. I request from them and from the lawers for document for this loan and statement they only show that XXXX was transferred to my accunt on XXXX XXXX XXXX but on day before that I deposited {$25000.00} on my account by mistake they deposited to my personal account and 6 days later they withdrew that. I need my loan statement from XXXX XXXX to now.and explanation about {$21000.00} deposit the day befor and {$75000.00} day after .I think they madae amistake and then cover that from my line of credit.

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 2016-12-02 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: IL

Complaint narrative:
Afni Collections sent a notice dated XX/XX/2016 saying I owed XXXX XXXX XXXX after I already paid a settlement with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: TX

Complaint narrative:
XXXX is sending me to collection for an account that was closed before I XXXX to XXXX. I did took my orders to the store and they told me that my account was closed ; however, they never did and now they are sending me to collections for an error that they committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: OLD NATIONAL BANCORP

Complaint narrative:
My HSA bank now is charging {$2.00} per month for a paper statement fee. Also, I just spoke with a company which provides a service that I pay for on an annual subscription basis, and they want to charge me a {$2.00} paper billing fee. How can these companies get away with nickel and diming me to death?!? They have been providing paper statements and paper bills, with an option to opt-in to electronic delivery. Now they are penalizing me for wanting to receive paper?!? How is this still legal???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.

Complaint narrative:
EOS XXXX debt collection agency is auto calling the above phone number with automated requests to call. I have never contracted to work with this company, and the only debt I can attribute these calls to is in excess of 10 years old and has been disputed since day one. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been banking with Regions Bank for years and I have noticed repeatedly that they will move transactions around usually putting the smaller ones after the XXXX large XXXX in the latest XXXX times in the last couple of weeks. I noticed they took charges from days early and moved them after and they have charged in excess of what I actually spent. In the tune of probably XXXX XXXX dollars in XXXX transaction they actually doubled their fee. 
I have been a customer for at least XXXX years and have complained about this repeatedly. their response has been we can only adjust them once. This is how their making their money and its wrong. I did n't buy ciggerettes from XXXX stores in XXXX day or go to he grocery store XXXX times in XXXX day

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST
State: WI

Complaint narrative:
This has been an ongoing issue. I had a Bank of the West checking account around the years of XXXX. I moved out of the area and had closed the account. Around XXXX/XXXX/2012 I received a call that I had an outstanding debt to Bank of the West in the amount of {$390.00}. The collection agency was " XXXX '' out of XXXX XXXX, CA. Upon receiving their call I immediately called Bank of the West ( which I am sure was a recorded phone call ) I talked to several people there assuring me that I did not owe Bank of the West any money and that my account was closed in good standing. Interestingly enough after that day I did not receive any further collection calls regarding the issue. However I check my credit reports today and it is still showing up damaging my score. This was not ever a debt, I do not know how it showed up there. I have tried to contact the collection agency several times and they can never find my information, almost like it never existed, but sure enough there is sits on my report. I would like this information removed from my credit reports.

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 2015-07-01 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 have a negative acct on my credit report from AFNI a debt collection agency. The original creditor is XXXX XXXX XXXX. I have disputed the date with XXXX 3-4 times now. I have called AFNI concerning the date and was told they do n't have records of anything more than my personal information and the amount of the debt. I have been told the time of the debt on the credit file is XXXX yrs from the date of last payment. I have a past due bill from XXXX XXXX XXXX dated XX/XX/XXXX but AFNI has challenged each time listing it as XX/XX/XXXX which is when I believe they purchased the debt. I have been dealing with this for about 6 mths now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF THE WEST
State: NY

Complaint narrative:
GOOD MORNING, I have a newly created loan with the BANK OF THE WEST, I put down {$8000.00} on XXXX/XXXX/2015, the payment was {$540.00} monthly, I was told if I put down more money {$12000.00} the monthly payment would be lowered to {$400.00} monthly with a new contract superceding the XXXX contract that was to be destroyed, however I received notice that on XXXX/XXXX/15 due is {$540.00} and when I call Loan officer XXXX XXXX XXXX XXXX XXXX Bank of the West, XXXX states that in his notes he wrote to disregard the XXXX XXXX/XXXX/15 contract that XXXX/XXXX/15 contract with addition money from XXXX was to lower payment to XXXX and this was the loan to be processed, I ask XXXX how this happen XXXX replied it was an error, I asked for a letter stating the that XXXX contract XXXX/XXXX/15 was supercede by XXXX contract of XXXX/XXXX/15 was the bank error of which I have not received and BANK OF THE WEST loan officer XXXX XXXX REFUSES to return calls to me .however a XXXX XXXX XXXX Bank of the West XXXX XXXX XXXX has contacted me, on behalf of the credit dept, and I ca n't get a answer to my issue which is pressing, My concern is if I make payment of {$540.00} on XXXX/XXXX/15 which I 've received notice for of which this loan application was to be destroyed as per XXXX XXXX that the superceded loan application of XXXX/XXXX/15 for {$400.00} will be demanded of me thus having to pay XXXX loans for the XXXX RV motor home when asked of XXXX this she replied I ca n't answer that I don ; t have the second superceded loan application yet, now I 've call XXXX at Bank of the west and left a message that If XXXX call me with fax # I would fax to her the XXXX contract XXXX however I XXXX is not returning calls either, I am very much afraid that I will be paying to loans to the tune of over {$200000.00} and I ca n't get answers but {$540.00} is due on XXXX/XXXX/15 and then {$400.00} on XXXX/XXXX/15, I feel I am the victim of the banking industry predatory nature, I be grateful if CFPB would look into this, there is also a inquiry ref. # from a call to CFPB # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 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: MI

Complaint narrative:
AFNI collection agency has reported an account to the Credit Bureau as being delinquent and in collections. This company has not attempted to contact me VIA telephone nor US mail. The address they have on file I never lived at. They have not validated this debt with me. The original account was with XXXX XXXX XXXX and after reviewing the police report and Identity theft affidavit they determined that this was not my responsibility I am currently with XXXX XXXX XXXX and account is in good standing. Would a company allow me to continue to have services if I have an old balance. They are in violation of The Fair Credit Reporting Act. This is not fair to me as a consumer. Please do not share any of my contact information with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST
State: TX

Complaint narrative:
I had a checking account with Bank of the West. Because I no longer live in a state they serve, I wanted to close my account. They told me the only way I could do that was by mail. I sent a letter, overnight via XXXX requesting they close the account. A few days later I received a cashiers check in the mail for the remaining balance. So far so good. However, I kept receiving forms in the mail informing me of overdrafts to the account. I do not know why, but apparently an old utility account ( XXXX ) was attempting to draw from the account. All utilities accounts which used to draw from the account were closed before I closed the checking account. When I spoke to the bank to explain the situation, I asked them to reverse the charges and clear my account. They were uncooperative and threatened to turn me over to collections. They said it should have been disclosed to me that there was a five day window. I was never told this. I was hoping they would come to their senses, but this afternoon, I received a call from a collector. The most striking thing to me about this situation is that the overdrafts were caused by Bank of the West writing me a cashiers check too early!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom it May concern, XX/XX/2016 I applied for a Mortgage Loan with Regions Bank. I was pre-approved and permitted to house hunt. I was pre-approved after submitting all the usual documentations : bank statements, tax returns, pay stubs and so forth. A month later I found a property and submitted further documentations since it was a condo. I then received a commitment letter from my Bank. I was then set to close XX/XX/2016. 

On XX/XX/2016, thinking I will be closing, my bank finally contacts me stating they need bank statements since they never received them. This makes me question the following : How did I get pre-approved without that, is n't that bad Financial practice? Did they lose my documentations which has severe personal information, is n't this also bad financial practice? With this said I then had to drive 1.5 hours to XXXX XXXX, XXXX to hand deliver this bank statement instead of email or fax because I no longer have trust in Regions bank and its team. 

My closing date was then pushed back to XX/XX/XXXX. Due to other issues of documentations it was then pushed back again to XX/XX/XXXX. Now, the bank wants further documentation and letter of explanation which was never expressed before my initial closing date. I am two weeks behind closing and losing significant money due to this delay. 

This process, with this Regions team, is incredibly unprofessional and all aspects. Workers involved in my loan are uninformed and do not know when to admit they are at fault or even how to communicate thoroughly with their client ; me. On top of that I now fear my personal information is being exposed and that Regions Banks practices bad financial services that is detrimental to its potential clients like myself. 

Throughout this process I have had the most horrific experience working with XXXX XXXX whom is the Senior Mortgage Loan Officer who has '30 years of mortgage experience '. Completely unprofessional, never informed of the status of my loan application, and has delayed the process by losing or falsely claiming to receive documentations. All while approving and continuing the loan application. This entire process, delays, lost files, starting the loan process after closing date, approving loans without documentations is horrible and the worst financial practice at its best. I have emails stating when documentations were submitted, and when they were received since I was given approvals and commitments. Yet, I am still being asked for documentations that were previously submitted months ago.

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 2015-03-21 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 contacted me by letter in XXXX claiming they took my debt of {$2500.00} from a XXXX XXXX provider in XXXX, CO. I have never had XXXX XXXX nor lived in XXXX, CO. I replied via Certified Mail to contest the claim and they responded with a fake account number from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: NATIONWIDE ACCEPTANCE LLC
State: LA

Complaint narrative:
On one previous occasion I paid my fianc car note for him ( recorded consent with rep ) with my credit card but later that year ( 2016 ) during the holidays I checked my card for unauthorized charges & there was one from my fianc car note company which I had not authorized!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was at the hospital on XXXX/XXXX/15. I knew I had a check still out for XXXX. I had a check that needed deposited but didnt think I would be done in time to get it there. I called Regions bank and they assured me that my account was not in overdraft and looked fine. There would not be an issue. This morning I woke up to XXXX worth of OD fees charged to my account. When I called and spoke with them they said that they couldnt see the checks coming through. I then asked why did they clear first if they were the last things to show up? She said they pay the higher amounts first and it trickles down. I explained that I was told yesterday bu XXXX that my account was fine. She said I was the only one who knew about the checks and there was nothing they could do. I have a real problem since I had money that could have been deposited to avoid this but I was told it would be ok. Also, because the checks coming through that werent seen were paid first. If they had gone in the order they received them I may not be so upset over the XXXX check fee but this is ridiculous. They say its ok and process however it profits them. I understand they are a business but they are a crooked practice that is unwilling to work with a customer that has been with them for year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation