vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education
State: UT

Complaint narrative:
My student loan was moved from XXXX to your UHEAA company. It was placed in forbearance for some time, then was paid at XXXX $ / month since my marriage in XX/XX/XXXX. By your policy I was to receive bill notifications, but the last received was XXXX XXXX. The email on file was validated as correct. Notifications are not present in my email nor spam nor trash folders. Yesterday, our checking account was debited the remaining XXXX without notice, overdrawing our account just prior to our mortgage payment. Complaint to your customer representatives ( XXXX, and XXXX other ) was met with policy statement of 60 days to return erroneous withdrawals. My bank takes 10 to 45 days to process unauthorized transactions, and decline of payment takes 30 to 45 days. All effort to persuade your representatives that your offical error correction policy is utterly inadequate to this specific situation was unsuccessful. It was made clear, by your policy, that our ability to pay our mortgage and other bills, and our credit rating, are inconsequential to your company 's adherence to a policy of taking 2 months to correct an error. 
As this is utterly unacceptable by any standard, this situation is being forwarded to the Consumer Financial Protection Bureau. 

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 2016-06-21 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Real Time Group, Inc.
State: NY

Complaint narrative:
Debt is uncollected-Expired statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CIT BANK IS REPORTING NUMEROUS LATES ON THE MORTGAGE THAT THEY DID NOT SERVICE IN XXXX. INDIMAC THE ORIGINAL SERVICER OF THIS MORTGAGE NOTE HAD APPROVED THE MODIFICATION AND HAD DELETED ALL LATES FROM OUR REPORT AS THEY PROMISED BUT CIT IS REPORTING US BEING LATE FROM XXXX XXXX XXXX. THEY SENT A LETTER STATING THEY DID NOT RECEIVE A PAYMENT FOR THOSE MONTHS .... WHY WOULD WE PAY CIT WHEN OUR MORTGAGE HOLDER AND SERVICER WAS INDIMAC WHO DID RECEIVE PAYMENTS ( ATTACHED PROOF ) CIT DID NOT BUY THIS LOAN UNTIL THE END OF XXXX SO THEY SHOULD NOT BE REPORTING ANY PAYMENT HISTORY FOR THE LOAN THEY DID NOT HAVE IN FIRST PLACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I applied for a line of credit with Fortiva based on the fact that the product I was purchasing qualified for 12 months of interest-free payment. At no time did I receive communication from Fortiva informing me of the conditions of the approval. Nor does XXXX ( XXXX ) website state that not getting the interest-free promotional period is a possibility. XXXX website concentrates on the 12-month interest-free financing, and once you are approved for a line of credit with Fortiva, it automatically goes back to XXXX website at no time showing the terms of the financing nor is written communication sent after approval. First communication received from Fortiva was my statement. 

I became aware that I had not qualified for the promotion of either 6 or 12 months interest-free payments when I contacted Fortiva after receiving my second statement to inform them that they had made an error in charging me interest. Had I been made aware that I would be charged 29.99 % APR, I would have used another form of payment or not gone through with the purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
I taught I was applying for a regular credit card, this turned out to be a scam. They issued me the card with a XXXX. XXXX dollar amount, but recevied the card with amount of XXXX after they toook a fee of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Credit card ws stolen and used by someone else back in 2003.Six months ago a credit card company begin trying to collect the debt. I am on a fixed social security and small XXXX pension. I am afraid this company is trying to destroy my small income. They are causing me a lot of stress. My daughter has been helping me to respond to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 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:
THIS IS NOT MY DEBT! 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 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: TX

Complaint narrative:
I signed up with services from XXXX and bundled my service with XXXX. During my set up the rep told me it was only a one year contract and that after my year contract I could cancel my services. During the year many issues arose from the billing and each month I had to call both companies to straighten out the bill. Each company was paid according to what they told me. After 15 months I canceled service and relocated to a new state. I have checked my credit report and I am being reported to XXXX different credit agencies from XXXX. Each CA has a different amount and contacting both CA 's and XXXX I have gotten no where. I would like some direction on what I can do to remove this from my report. AFNI has listed I owe {$290.00} and the second company XXXX XXXX listed that I owe {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Hunt & Henriques
State: CA

Complaint narrative:
XXXX XXXX and I in XXXX 2016 came to a Settlement Agreement, at the time I was represented by an attorney. Additionally, XXXX XXXX, 2016 in the letters in the link I 'm providing you will see that XXXX hired XXXX agreement a 2nd law firm to collect on the debt. Why would XXXX XXXX do something so careless other than to harass and abuse me? 

Please know I am a XXXX citizen. 

The file is too large to attached to the CFPB portal so I have enclosed a link for all the details. XXXX I am requesting that this issue be investigated by the Special Investigations Unit of the CFPB. I am no longer represented by an attorney. 

Why would any company do such a thing other than to violate the FDCPA, RFDCPA, and a whole slew of other laws. Their intent is clear that they wish to harass the XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC.
State: OH

Complaint narrative:
This debt collectionnagency never sent me any correspondence regarding this debt or have ever tried to.commicate with me regarding this debt. Per the fair debt collection practices.act, a collection agency is supposed to.contact the consumer as well as validate the.alledge debt. This collection agency has done neither and this debt has been reported to.the credit bureaus and this has negatively impacted my score. I never got a chance to.even try to make a payment on this account because i had no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have been getting charged OD fees when my account does not go negative. I have called once and they refunded but it has happed 2 more times.

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 2015-09-19 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:
There is an XXXX XXXX XXXX debt collection for {$550.00}. The debt is from a home I lived in with my parents when I was in high school. I have the same first and last name as my father. There must have been a mix up with tagging me with a collection that was intended for him. I never put any XXXX XXXX XXXX service under my name ever and especially not as an XXXX year old kid. 

If the company would logically look at the dates of the collection it makes no sense that it could be my debt. As I spoke to the collections agent he explained the debt was from XX/XX/XXXX. This was only a month after my XXXX birthday ( XX/XX/XXXX ). Even if I did open up XXXX XXXX XXXX cable service as an XXXX year old, there is no logical way that this much debt could have taken place in such a short time. 

It is a shame that such a simple mix up of XXXX " XXXX XXXX '' living under the same address, could be causing me so much credit pain. I have never had cable service with XXXX XXXX XXXX and this collection is being falsely charged under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 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: CA

Complaint narrative:
On XXXX XXXX, XX/XX/2015, I received a demand letter for {$460.00} regarding a collection debt from EOS CCA. 

I am disputing this debt of {$460.00} because, it does not belong to me. This is a fraudulent account opened as a result of identity theft with out my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: AFNI INC.
State: TN

Complaint narrative:
In 2012, we had XXXX and with in the same year we called them to cancel the service. We had way to many problems with the service working correctly and they did not seem to care if it was working or not. The day we called XXXX a representative informed us that we would receive a box so that we could ship back all of the XXXX equipment. We were also informed that we would not owe anything and they would be responsible for the shipping. XXXX turned this account over to a collection agency and then pulled it back and turned it over to a different collection agency. The collection agency representative that I talked with was very rude and telling me that we would be committing criminal charges if we do not pay this debt off in full. I do n't think this is an appropriate way to do business because I would not recommend XXXX to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: GA

Complaint narrative:
I received a call on my cell phone. It was a hang up when I answered. I called back and discovered I was called by a collections company. I do not owe anyone any money. The representative who answered identified himself as XXXX XXXX. He had a foreign accent. I told him I was called and hung up on. I gave no info about my location, etc. He said the company was trying to reach XXXX and gave a partial address that I did not catch. No city was indicated. I told him I did not know the person, did not appreciate the call on a cell phone and the hang up. I asked to speak to a supervisor and have my number removed from the list as I was not a proper contact. He said a supervisor could not help me. Wanted to know if I knew how to contact XXXX after I said I did n't know a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: AFNI INC.
State: TN

Complaint narrative:
This is an XXXX XXXX XXXX XXXX account that I once had and cancelled the services because I was having problems with it. When I called to speak with a representative they informed me a return equipment box would be sent to me. I was also told that if I return all of the equipment back to XXXX XXXX XXXX that I would not owe anything on this account. The day that I received the box, I packaged up all of the XXXX equipment and returned the all of the equipment back to XXXX XXXX XXXX. When I had done this I called them to let them know it was sent back and the representative told me that I would not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 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: SC

Complaint narrative:
I have asked AFNI to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN

Complaint narrative:
In XXXX of 2015 according to XXXX my account was closed out. Their attorneys continue to take money from me through XXXX County courts without XXXX consent. The law firm Finkelstein, Kern, Steinberg & Cunningham robbed me with Bank levies and garnishments after the case was closed and paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX our account had {$180.00} without anything being in the negative the bank took out {$140.00} for Overdraft fees and still never showed a negative. We had XXXX pending items XXXX XXXX which was going to be credit back in a couple days for {$180.00}. Our account never showed negative, and they never had to cover this item. The bank is telling me they wont refund our money. We feel as if they stole our money. I dont understand how with something pending how they can automatically charge you a OD payment with the item was not yet paid by them. This was a error and it was corrected as well as why are we being charge OD fees when they didnt have to cover anything?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: IA

Complaint narrative:
Regions Bank had a public link that stated that by opening a XXXX XXXX Account and making a minimum number of debit transactions there would be a {$400.00} bonus. I submitted my application for this checking about along with the promotional code. My application was accepted, I funded my account, and ordered my debit card. It was only afterwards when corresponding with Regions customer service did I find out the offer had expired. It is not the premature expiration of this offer which concerns me ( the public offer had language that this public promotional code was good until XXXX/XXXX/2017 ), but the fact that at no point during the sign-up process did anything indicate that this offer was no longer valid. This is clearly a bait and switch, to the detriment of me being able to take advantage of other offers with them or other banks.

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 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: IN

Complaint narrative:
Nationwide Biweekly stopped servicing the " Interest Minimizer '' program. I asked for a refund since they are not providing the service anymore and I only used the service for 1 year of the 25 years that the program should last. They have said several times that they will provide the service again but they do not do it. I have been asking for a refund for about a year and they do not pay any attention to my claim. They just answer that they will provide the service in the future but they do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: TN

Complaint narrative:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 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: TX

Complaint narrative:
I closed my XXXX account a year ago, sent the equipment back, now a third party collector says that I owe over three hundred dollars for a back payment and early termination fee. When I closed the account, the rep from XXXX stated that with the return of the equipment that the account was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My account with Regions Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX is reporting wrong for the status on my credit report status shows repossession this recent have appear and Ive contact this company a lot of times and they said that they will update the information to the credit bureau and its has n't been update. The last person I spoke with stated they will correct the information I do n't have this vehicle and in the past the account showed charge off as the status not its showing repossession, they went and updated the payment history but at XXXX the payment show good payments but I do n't have the vehicle so they updated but my status shows repossession and it should n't this has cause my credit score to drop to XXXX from XXXX. XXXX XXXX the car was repo on XXXX XXXX the vehicle report charge on my account. Regions recently reported R again as in XXXX XXXX in XXXX XXXX I have proof of the incorrect information and the correct information. They are rude and no one wants to help nor understand my concern, If they are aware of a credit report they would understand but someone in the credit department do n't, they put special codes on my account so that any dispute I do would be deny. I will be contacting the XXXX with my concern. The account is close and its shows open on all XXXX of my credit reports. AWFUL

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 2015-08-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Complaint : I have never received a statement from XXXX. I pulled my credit report the other day and noticed that there is a collection account on my credit report that I am very unhappy about. This Collection account reports back to the year 2015. I called XXXX today to discuss this and they could n't even answer my questions. I have no idea who they are. I have never received a statement from them nor have they even contacted me. I need to know what this is all about. I am very upset because this is damaging my credit. I paid them in full since it was a small amount, and ask them if they would remove all negatives on my credit report, with a " office policys say no ''

Company response to consumer: Closed with explanation