vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX. My XXXX has XXXX accounts with Regions bank ( checking, debit card, savings ). This complaint is regarding the checking account. Utilizing the online banking interface, each transaction was categorized ( with several custom categories ) and had a memo field inserted to designate the exact purpose of the transaction, which provided the basis for monthly financial statements, budgeting, and tax filings. Regions recently upgraded their online system and stripped all customer entered data, which resulted in the loss of all categorization and memo fields. Current and historical data has been reduced to only the date and amount, all customer entered data has been lost.

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 2016-12-15 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:
This is a Debt that I do not owe. XXXX XXXX XXXX Phone service. 
This was a land line I had in my home for many years. 
in fact this so called Debt is over 4 years old. I had phone service with XXXX XXXX XXXX at home and there was some long distance charges on my bill that I did not make, this has happened several times which XXXX XXXX XXXX corrected, so XXXX XXXX XXXX suggested that I make a package change which would help, so trusting them I did make a package change with XXXX XXXX XXXX. Upon the change they tried to charge me the rear amount of the bill that they corrected and I did not owe, so I stopped service with XXXX XXXX XXXX with my land line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I would like to dispute XXXX and have the incident removed from my record. The transaction was authorized and done legit. The transaction in question was credit card related. I applied for a XXXX XXXX XXXX XXXX XXXX. Upon receiving my card I was given an offer to transfer any balances to my new account via balance transfer check. 

I took the check to my local XXXX XXXX on XXXX/XXXX/15 and asked how to proceed. The teller told me to deposit the check to my XXXX Checking account # XXXX and from their I can pay off anything via ACH electronically. The teller attempted to deposit the check to my checking account but before she could proceed her system indicated that she need to call the credit department and get authorization for the check. The teller successfully received approval and authorization to proceed in which she deposit said funds into my account ending XXXX. 

On XXXX/XXXX/15, I received notice that once the back office reviewed the transaction they decided to un approve it after originally approving the initial transaction and removed said funds from my account. Nothing was done wrong or invalid on my part. The transaction in question is fully documented and compass has the prove via authorization number in their system that this in deed was n't fraud and that the transaction was legit and handled in a XXXX XXXX. 

I respect XXXX decision to not approve the balance transfer after the fact but to accuse someone of fraud or misuse of the account when the transaction in question was legit is " Defamation of my Character ''. I ask that this matter is resolved immediately and removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX '' and is now called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out back in 2008 and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out. 

The company that is showing on my collections with XXXX is : FAIR COLLECTIONS XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
XX/XX/2016 Good Afternoon, I have currently a Continental Finance SURGE credit card. I try but am unsuccessful on a regular basis to do all my business with this company on their Continental Finance website, but I have continual trouble logging in, which forces me to call my payment in over the phone. Continental Finance is aware of this problem, and take my payment over the telephone, waiving the XXXX phone pay fee for me. I signed up for paperless billing months ago, but I never received the emaisl indicating my bill was ready to view and/or pay. As a result, I missed two ( 2 ) payments, incurring late fees and a negative reporting to the credit reporting companies. I am trying to repair my credit, and this can only delay my progress in doing so. Also, I have had repeated difficulty signing onto the Continental Finance SURGE website, which is extremely frustrating. I have advised the company of this issue regularly when I contact customer service. As such, I have to contact a customer service rep via telephone, and make a payment over the phone. They always waive the fee due to their online issues.

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 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I had a broken pipe and my home was damage, XXXX XXXX. step in and did and evaluation and immediately start initial work. As soon as they finish the constructor completed the reconstruction and I paid them meanwhile XXXX send the check. 
When XXXX send me the check, I have to endorsed to Newamerican for them to evaluate the damages en return me the money I already spend. New American send an inspector and at this time is giving me a hard time to collect that money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
not to long ago before i moved back home to Florida i closed my account with bank of america. When i decided to reopen an account with another bank such as XXXX XXXX i was told that there was a problem with my account and the problem was that there was fraud on it. A while before that i had lost my wallet while i was still in California and i recently called my old bank ( today XXXX/XXXX/XXXX ) to make a claim about the situation, they told me that i should call the police department and make a report about losing my belongings XX/XX/XXXX. My everything was inside my wallet including my social security card, High school information, my address, and a few I.D pictures of myself and also my online banking information which included my log in info to my account.

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 2015-03-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My student loans ( XXXX ) have recently been transferred from XXXX XXXX to Navient. In reviewing the balances and the amounts paid each month, it appears that both XXXX XXXX and Navient have a practice of applying additional principal paid to the current months payment to the following months payment and not the principal of the loan. They reduce the amount due on the next months billing to allow the borrower to remain in debt for as long as they possibly can. I find this practice to be predatory and fraudulent. Something needs to be addressed about the practices of these lending institutions which force students to remain in debt for as long as they can possibly keep us there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My mom took out a reverse mortgage with Financial Freedom. She will lose her house in court due to foreclosure. Financial Freedom gave her a {$220000.00} mortgage in XX/XX/XXXX for a house that was appraised at {$130000.00} in XX/XX/XXXX. Financial Freedom also used houses that are not comparables. They are in a more prestigious neighborhood. 
It also appears they charged her fees that are not consistent with those on your site including surveying her property which was not surveryed when she bought it 2 year earlier. It appears they also charged her fees in excess of the.XXXX % loan orginiation. 
Everything they have done is horrible. How can they possible steal money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal issued me a credit account I did not want or need using deceptive and/or fraudulent practices. As I was using Paypal to make a purchase, the regular series of " clicks '' was changed to trick me into opening a Paypal Credit account. I have since called to cancel the account and pay the balance in full. However, I thought it important to file this complaint because, I fear, tens of thousands of consumers have been ( or will be ) tricked into opening a Paypal credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XX/XX/XXXX we took out a reverse mortgage with Financial Freedom, everything went well until my husband was diagnosed with XXXX XXXX XX/XX/XXXX. He was in XXXX from that time until XX/XX/XXXX when he passed away. I had trouble trying to adjust from XXXX incomes to XXXX. About 6 weeks later I had found a job, but on XX/XX/XXXX. I was walking near my home when a car came speeding around the corner and hit me as I was crossing the street. XXXX and I had to have XXXX plus other complications. During that time my home insurance was canceled because because our hot water heater went out flooding the garage. The insurance company decided that the law of probablities stated that we could have another incident after 7 years and they cancelled the house insurance. I immediately contacted another company and put the same insurance back on my home. I set up the payments to come out of my checking account. In 20 minutes there was new insurance on my house, What I did n't know was that Financial Freedom had turned down the new insurance that was just like the original insurance and they had chosen to replace it with their own coverage which was twice the amount I was paying. I was unable to see what was happening and after several months there was a huge bill building up. So I tried again with a XXXX XXXX and the same thing happened. I am back on my feet and paying. I went to pay the taxes and they had already paid them! They never contacted me. Now I have an outrageous bill. XXXX. They are foreclosing by XXXX. ; For that amount of money I loose my home which I planned on living in til I die! I want an opportunity to pay them back and they have declined unless it is for the whole amount. Also the insurance payments should be charged at a normal rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
lvnv is trying to collect a debt from a XXXX card that I never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
XXXX has been asked by myself and an attorney friend to furnish a complete list of charges and how they came to that amount from an apartment I left in 2011. They claim I owe {$2300.00} or so but in the years and years I 've been contacting them they refuse to furnish a complete list of charges. They can not explain how they came to the amount they did.

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 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
In XXXX 2014 I received a collection notice from FCO regarding a debt I had never been notified of before. I asked them via certified letter for 1 ) a verification the debt was mine, 2 ) who owned the debt, and 3 ) exactly what the debt was for ( since the creditor listed had never contacted me ). I also demanded they quit calling my work phone number and to cease collection activities unless written verification of the debt could be provided. 

They never responded to my request for written verification but instead unlawfully reported the debt to the credit bureaus. They also have left threatening voicemails on my work phone number, but refuse to provide any details on how the debt was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
multiple threatening calls from an agent named XXXX, who was rude and disrespectful to me on the phone. She also threatened to sue me and take away my property if i did not pay. She called me abusive and condescending names, and refused to provide me with a manager when requested. She then attempted to illegally withdraw funds from my bank account after I advised that I did not authorize it. She somehow found out my banking information and made multiple attempts to withdraw funds. Its now been over XXXX years, and the debt is beyond the statue of limitations, and thus has been removed from my credit reports as of XXXX 2015. It can not be placed back on it, and they can not attempt to threaten me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Regarding my previous complaint I have spoken to the bank and they do n't want to lower our payments and say that we should do liquidation. I do n't want to lose my home and I do n't want to do a short sale. I 'm willing to pay however the payments the bank wants are outrageous. 
My complain was : We requested a modification from Bank of America they put us on a trial payment after making the payments of {$1300.00} for 3 months and after telling us we will get a better deal how ever they did not modify the loan at all. The interest rate and monthly payments remain the same, they did not modify anything. We were atempting to get a loan modification from the bank for more then 4 years. And they also deferd all the principle to the end of the loan term. Also the market value of the proparty is around {$200000.00} and the bank put {$350000.00}. Basically the loan was not modified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
Hey i have a big problem with Fortiva, i had a tooth problem last year and i went to XXXX because i needed two teeth pulled. They did a check up and said that i needed all these things done and that it will cost $ XXXX+.They checked to see if i qualified for assistance but once i thought about my bills and living expenses i told XXXX dental i could n't afford the monthly payments to pay back the money even if i qualified for a {$3000.00} dollar loan. So i told them to cancel everything.Next thing i know Im being billed like i used the {$3000.00} credit card. On my credit it says i had a high credit balance of {$850.00}. With one 30 day late and one 60 day late and i never would of known none of this if it was n't for Cure XXXX who have been my credit repair savoir 's. My Credit should n't have to suffer because i could n't afford the outrageous $ XXXX debt i would of been in when all i needed was two teeth pulled.This situation is affecting my life and my credit in so many ways, i didnt use any services from XXXX i ended up going to XXXX for my teeth exractions. Please look into this because it has destroyed my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-29 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
i have contacted FAIR COLLECTION AND OUT many times since receiving a bill from them about a previous apartment. Before sent to collection, i asked for verification of debt because i was shocked that i owed anything. Even representative there did n't know why the amount was so high but referred dispute to XXXX XXXX, where they continued to verify as accurate. The same manager whom i filed XXXX XXXX complaints on, XXXX because i was asking for a provisional credit because AC was n't working for months properly and had inflated the cost of my electric bill and not livable for me and my XXXX year old son because it would get over XXXX degrees. This went on for close to 4 months. Also, another occasion where she slammed the front door in my face because i did n't agree with the credit that was given. I told the collection company that i did n't agree with amount and i wanted proof of all charges, not just a basic " verification of debt ''. I received all charges but only a few days before they stated they would place on reports. Even after receiving docs on XXXX/XXXX/16 i still did n't agree and asked to hold off on any reporting because i wanted to verify amounts charged because it took months and months to get those documents to me. I even said, " I dont agree nor take responsibility for these charges but willing to pay a payment agreement until rectified and a credit could be issued. I was told i could make no partial payment and that i needed to pay in full. She also advised that even though i do n't agree, and she did n't agree with amount of charges they disputed with XXXX months back and they are only required to dispute once. I have included a copy of all charges, which show for address IM NOT responsible for. I lived at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX and charges are for Building XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I have included copy of lease and copy of dispute sent.

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 2016-09-12 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
This collection attempt is not a valid debt. I have disputed this numerous times and was able to have it successfully removed from everyone but XXXX. This is from 2011 from an apartment complex named XXXX XXXX. I owed this company nothing and was never evicted/ broke any contractual agreement. Since company has since gone out of business. Therefore, I 've had numerous difficulties verifying what specifically this debt is in reference to. Speaking with this collection companies represenatives have proven to be very stressful and provided XXXX clarity or resolution.

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 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have written several letters to this company asking them to validate the debt. They never respond and continue to report this inaccurate information which is a violation of FCRA and FDCPA. My most recent letter dated XXXX XXXX, 2015 is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11 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: Real Time Group, Inc.
State: OH

Complaint narrative:
I have told Real Time Resolution that I do not owe the debt due to ID theft and and I sent documentation to XXXX am XXXX and to XXXX. They have refuse to be non biase in this situation

Company response to consumer: Closed with explanation