vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-30 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: VA

Complaint narrative:
I was told I had a phone services and I haven never had these phone services. I currently have XXXX and been with them for over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently opened a bank account at Regions Bank in XXXX Georgia. My initial deposit was a cashier 's check from XXXX XXXX. I was told there would be a hold on funds being a new account ; understandable. However, the banking associate told me after processing that because it was a cashiers 's check, funds would be available the next day on XX/XX/XXXX. I returned to the bank on XX/XX/XXXX to deposit another check from XXXX XXXX. At that time I was told I had a negative balance and a hold was placed on the check. That afternoon I received XXXX pieces of correspondence from Regions. XXXX was my check card, the other a letter informing me " We have confidential information that indicates that the check may not be paid. '' XXXX direct ) the funds were to be made available on XX/XX/XXXX. All money that was originally released to me was held by the bank to cover the opening deposit in my savings account, which I was required to open. I have not seen one penny of my money and it has been nine days since I opened the account. When I tried to withdraw money today, they told me my account was frozen. No date was given when funds would be available. The manager told me that the fraud monitoring dept. placed the hold and being Saturday nothing could be done. I would like to have access to my money and close my account and take my business elsewhere. My card was also cancelled because I have not used it yet and my pin number was changed without my knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Harmon Law Offices, P.C.
State: MA

Complaint narrative:
I lost my job and fell behind on my mortgage payment

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 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The school that I went to was n't accredited and they said that they would dismiss my student loans I called navient and they said that I can add a military push back I guess that 's what you would call it and they did n't do it at all I just received a bill from them I have XXXX loan with them but they report on my credit as XXXX different loans on XXXX different amounts I 've called multiple times and I get the same response they tell me that there 's nothing they can do they can set me up for a further date to start paying but they still send me a bill my account number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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:
On XXXX XXXX, 2016, when I open new checking account ( account # XXXX ) with BankoftheWest ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX ), the manager promised me ( he wrote a little note that 'deposit {$250.00} by XXXX XXXX, 2016 " on the promotion letter. 
Note : * The banker also wrote a note that I will get {$250.00} by XXXX XXXX, 2016 if I deposit {$15000.00}. 
* I also told them I got bonus last year already. 
But XXXX XXXX, I still do not get bonus {$250.00}.

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 2015-08-18 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: IN

Complaint narrative:
On XXXX 2015, i received a notice from AFNI that i owe a bill in the amount of {$1500.00}. 

On XXXX XXXX, 2015, i sent a certified letter to AFNI at the address identified on their letter head to validate the debt and they never responded. 

On XXXX XXXX, 2015 XXXX credit alert company contacted me to report that they had placed this purported debt on my XXXX Credit Report. 

This debt was placed on my credit report without proof that i owe the debt. Furthermore, i have requested XXXX, XXXX XXXX agency to send me the doecumentation and they continue to send it to different collection agencies without sending the information to me. 

This is viewed as fraud under the federal law according to the Fair Debt Collection Practices Act. I have the right to know the following about this purported debt. 

Who was the original creditor on this account and what was the account number? 
What was the origianl amount owed? Complete deteailed Payment History? 
What was the original date of delinquency for this account? 
Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment? 
What did you pay for this accountANDhow did you calclate the current amount owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: TN

Complaint narrative:
I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me a service that I agreed to pay them for

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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: OH

Complaint narrative:
I have contested the debt but never received an official response to my position, while I have made month ; y payments to continue reducing the contested amount owing. My understanding about consumer fin=ances is, as long as the debtor is making a consciences effort to resolve the issue, turning the case for collection is illegal. This debt over a cancellation policy with XXXX started XX/XX/XXXX for {$200.00}. My monthly payments of {$25.00} every month has reduced it to {$50.00}, as of last week. By reporting the collection to the credit agencies, my credit score dropped by XXXX points and I believe this action was totally " unjustified ''. The consumer agencies should investigate the legitimacy of the collection matter before officially posting it as genuine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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 have been with XXXX XXXX XXXX for many years and in XXXX, 2015 they were bought out by XXXX XXXX XXXX XXXX XXXX. Many things have changed since that time in the way they do business. My bank account is tied to my XXXX account which I use a great deal for small purchases ( ie : {$2.00}, XXXX etc ). On XXXX XXXX, 2015 my online banking showed XXXX XXXX charges coming in that day totaling {$630.00} so I transferred {$1000.00} over to the account more than enough to cover these charges so there would not be any overdraft fees. On XXXX XXXX, 2015 I checked my online banking only to see that I had been charged {$260.00} for XXXX overdraft fees. Apparently a check for {$550.00} came in after hours of which I had no knowledge of and they paid that before the XXXX XXXX charges that were clearly showing during the day business hours. On XXXX XXXX I went into the branch and spoke with the XXXX regarding this incident. He informed me that the bank sets people up to fail by paying highest to lowest incoming items. He also informed me that this bank currently has a lawsuit going on against them for this type of behavior. He further more informed me that several other large banks around this area have already been challenged with this very practice and been forced to change the way they do this. He told me that XXXX XXXX would not change it unless the government forced them to because it is such a large money maker for the bank. If they would have use chronological time instead of highest to lowest as an honest way of calculating overdraft charges, I would have been charge only {$38.00} instead of {$260.00} that day. I also feel that charging a {$38.00} overdraft fee for a XXXX or even a {$10.00} charge is quite over the line. I have attached copies of my online banking showing this incident. This is not the first time this has occurred for me but I am a senior cistizen livng on a fixed income and feel that I am being taken advantage of. I appreciate any help that you can assist me with in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC.
State: IL

Complaint narrative:
Medical debts incurred for treatment and show all balances paid in XXXX 2016. Current account site shows {$0.00} balance due. Credit agency attached a derogatory account status. Medical provider was XXXX in IL. Current review of my account balances show no funds due. All accounts with no balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX, EWS XXXX al i received my erroneous report today that still contained all the negative information, that XXXX XXXX JUST WROTE THE CFPB IT REMOVED. To address your prior lies, the dates you purport that XXXX XXXX surreptitiously deleted the account, XXXX states it was removed 5 months PRIOR.to that in fact the CFPB has proof of such, as a letter from XXXX XXXX dated XXXX XXXX, 2014 swore the accounts were removed. YOU ARBITRARILY REINSERTED THEM. YOU BROKE THE LAW.REMOVE ALL THE XXXX ACCOUNTS. AS YOU WERE INSTRUCTED TO DO SO

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 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: EOS Holdings, Inc.
State: CO

Complaint narrative:
I filed a complaint through cfpb on XXXX XXXX, 2015 about a debt that did n't belong to me for XXXX XXXX that XXXX XXXX XXXX was collecting on. 

At the time, there were XXXX accounts that were affecting me and we reached an agreement that I would pay off XXXX account and XXXX XXXX XXXX would remove the XXXX account from my credit report and consider it resolved. 

XXXX XXXX XXXX followed through with what they said and removed the account from my credit report, but that account has apparently now been sold to another collections company ( EOS CCA ) who has put the account back on to my credit and started collection attempts on the account that was supposed to be resolved. 

The case number that was created before is XXXX and has a related case number of XXXX. The XXXX century link account numbers are XXXX and XXXX. Account XXXX is the account that was removed and apparently re-sold to another collections company. Account number XXXX is the one that I paid. 

I have attached a copy of the accepted complaint from the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NATIONWIDE ACCEPTANCE LLC
State: GA

Complaint narrative:
I purchased a car after filing Bankruptcy in XXXX, I purchases a XXXX ... XXXX I lost my job and nearly lost my life ... I was homeless got behind on my car not which I had to live in after having a place to live.. I contacted NATIONWIDE SOUTHEAST Financial Company to assure payments will be made and they were. I was in accident XX/XX/XXXX, Although I was not injured my car was hit not bad however.. I contacted my insuracne company and proper party to get my car repaired. After going the hardhsip and two accidents in the month XXXX i advised them to picked the car up after it get repair, and that I no longer can afford the payments because I was homesless amost a year and needed to keep a roof over my head .... The first week I was constantly got calls and i was told once the car is sold I will be responsible for the balance.. I check my credit and they XXXX for XXXX..And my balance is XXXX ... I was taken advantage of there is no way a XXXX is worth or should be XXXX dollars .... This is hendering me from getting any kind of car, I sent you all a copy of whats on my credit ... 
Account # XXXX Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated XX/XX/XXXX Original Balance {$27000.00} Monthly Payment - Past Due Amount {$2500.00} Highest Balance - Terms 66 Months Responsibility Individu

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Regions bank applied un-warranted overdraft charges to my checking account. The balance never went below - {$2.00}. I reviewed my balance daily, balance never went below stated amounts. The bank states items caused {$72.00} in overdraft charges, but never di account from my view show the negative amount they are claiming. I suspect they are intentionally hiding transactions from customers in the name of higher bank profits, I believe it could be termed " Rob-N-the-Hood ''. When questioned why I was never priviledged to see said transactions, they stated in an email on their web site that it was complicated. Consumer rights should always be able to see all transactions presented to bank, not hidden. So since the bank sees this as an incredible profit opportunity, I elect to have refunded to me an amount for comparable amounts, my revenue vs their revenue would be fair. Say {$10000000.00}, no less. This should and most likely is disceptive, illegal, immoral practice on the part of the bank and they need to be punished as such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST
State: NE

Complaint narrative:
I have XXXX accounts with Bank of the West and I had a {$1600.00} hotel bill go through my checking account and posted online as XXXX XXXX on XXXX XXXX when it was no where to be seen on the XXXX. They are back to the old habits from the class action suit of taken the highest amount and moving it around to hit your account with the most fees. It should be just one fee for the {$1600.00} bill since I did n't transfer funds from one account to this one in time, but they shifted it to make everything else fail and left others pending to hit the following day. They would not have cashed a check and given me {$220.00} at the ATM on the XXXX if that bill had gone through on the date they claimed and I had a negative balance. The {$1600.00} bill just went through on the XXXX and the changed dates around on my online account for several items to make a killing in overdraft fees. I have been monitoring my account. Items that should have cleared days ago were then sitting pending so they can sock me again the following day. It 's class action stuff all over again. 
When I tried to transfer funds from another Bank of the West account during the night to make sure I had enough in my main account so they would n't hit more overdraft fees, they stopped the transfer from happening for 6.5 hours when it has always been instantaneous since they offered online banking. Amazingly they hit me for another {$140.00} in fees and then allowed the transfer to take place. After complaining about {$280.00} in fees in 2 days that put the account negative again, they refunded {$35.00} and before I could deposit or transfer more, they took the {$35.00} back again for the day. {$310.00} for one transaction that occurred after all the others until they started juggling the dates and putting the largest one before older ones to maximize their profit. 
If XXXX the accounts of people who have been with them for nearly 20 years is how they do business, they should be ashamed. I did a transfer this morning, XXXX XXXX, online before business hours and it happened immediately. Guess that 's because I already had a positive balance so their computer 's did n't automatically hold it up to get more fees like the day before. Their computer algorithms should be inspected by the government for the rigged game their bank plays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I filed a complaint on XXXX/XXXX/14 with the Florida State Attorney General 's Office about Hyundai Motor Finance calling me repeatedly at work, even though I had asked them not to in writing, because I am not allowed to get personal calls at work. They said they would stop doing so, so I let it go. Today, they called me at work again. They know they are not to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
I am including a copy of my contract with Hyundai Motor Finance. They have yet to remove the late on credit file and as you can see from this contract, It does not say they have the right to apply late charges first, and show late on my Bureau. It only says about Finance Charge. I want this taken care of ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Hunt & Henriques
State: CA

Complaint narrative:
This debt collector continuous send out late, time sensitive documents that look like junk mail, unsolicited adverting and some of this mail to my current address had no return address. I am not sure the how they sent the alleged collect documents in the pass however I was not notified of this debt till years after the court proceedings against me. This company levied my student financial aid. Although the company no that the levied fund are exempt they refuse to return them. This company forced my student college fund closed at XXXX Bank. Their caused me to fail classed and force me to drop out of school. This company has extorted money from my college fund that was from a inmate trust account check that did not belong to me. this company financial bulling has cause me to fall XXXX. I also am still considered a student however I can not return to school with this company beating me up financial where I can afford food, books, tuition and the necessaries a student would need to do well. I believe that I do not owe this debt because there was activity on the card on a date I was in another state where my purse was snatched off my arm and i had to have new car keys made, purchase cell phone. I also stayed at the hotel because it happen on the property the manage comp me a room and I used cash to stay a few more nights to help look for the assailant. I work with XXXX would have record of that.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Critical Resolution Mediation LLC
State: WI

Complaint narrative:
This company number appears on my phn for at least 100 times in the last 1 and 1/2 years. will not stop calling even after I have threatnd them with litigation. The number is traced back to XXXX california. Contacted XXXX and they say they do not have me in there data base but a day later the same number comes up XXXX. When you call this number back they answere as critical solutions.

Company response to consumer: Closed
Consumer complaint received 2016-06-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I was a few months behind on my Kia Motors Finance Account. Kia agreed to a payment arrangement where I paid XXXX more each month until i was current. A week after the arrangement, they did not accept the first payment under the payment arrangement and had the vehicle illegally repossessed from my gated community. The repo agent broke the back gate and illegally removed the vehicle. Kia then sold the vehicle at auction below the reserve and added the difference to the balance on my account. They also added the cost of the repo which was excessive under Florida law. I have request information on several occasions to rectify this issue legally and Kia has not furnished any of the information to resolve this invalid negative item on my credit report. I want the item removed and Kia Motor Finance investigated for unfair abusive credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
XXXX posted a collection on my credit report and they have never contacted me regarding a bill. I still to this day use XXXX and have never been told even when i have an appointment. I called them and they stated that they would check and return my call. Two weeks later i called again and was told the same thing. To this day i do not know if I owe a debt or not. If i still use them you would think that they would tell me.

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