vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: IN

Complaint narrative:
I just refinanced my mortgage to a 15 yr fixed. I sent in my payment with an extra payment. I noticed the loan company is not reducing my interest charge based on the principle amount owed. I called the loan company and was told that my interest payment is never reduced from the amortization schedule, that I will always owe the stated monthly interest no matter what the principle is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A Deed of Trust were procured by fraud involving INDYMAC BANK in XXXX. In XXXX, FDIC closed INDYMAC 'S doors and reopened it under INDYMAC, XXXX Request for FDIC to provide information relating to this erroneous loan in which INDYMAC BANK claimed to have " paid out '' an outstanding debt to " XXXX '' in XXXX. The purported loan number is XXXX. Require FDIC to show the equal consideration of the loan balance that were received for this loan in XXXX, after INDYMAC filed for chapter XXXX and debts were discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
This company is reporting a debt to my credit reports that I do not owe ; however, even if I did owe this debt, according to this companies records, is past the 7 year reporting period. 

Therefore, while I do not owe the debt, even if I did, their reporting is still illegal. 

Please assist, and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Concord Resolution Inc (Closed)
State: WA

Complaint narrative:
I do n't have a delinquent loan. I have received XXXX calls each day for the last 2 months. They claim I have debt and threat legal action, they use several legal terms and it is ALWAYS a message, never a live person. Harrassing messages daily on my cell phone, with no details or specifics. Claim they are called CONCORD RESOLUTION..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions charged my savings account a monthly fee after telling me there was no fees on a savings account. So then I choose to close the account and they charged me {$25.00} just to close my account. Never going back to Regions.

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 2015-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC.
State: GA

Complaint narrative:
I changed cable providers and paid what I thought was the finale Bill. Was contacted by XXXX credit about an outstanding amount owed to XXXX. The amount was XXXX. Contacted XXXX and asked if this would pay the account in full, and I paid it to the original creditor. Now some company named AFN I, INC has purchased this from XXXX XXXX and is reporting this as a new collection on my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 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: WA

Complaint narrative:
After cancelling our XXXX service I continued to receive bills from the company to which I responded by calling the company numerous times. Each time it seemed like the issue was settled and that I did not owe a balance. I stopped relieving the bills which I took as the issue being settled until I saw the amount in collections. I never received a bill or phone call about this balance. The balance should have never existed as I had cancelled our service with XXXX long before this. Since it was in collections I had gotten it taken off but now it is back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AFNI INC.
State: CA

Complaint narrative:
Received a Collection notice from Company called Afni for an account that is been paid and closed for 10 years. They said they represent XXXX. a XXXX we have not done business with for 10 years. We have been with XXXX for 10 years. The person that called us said he was a collection agent for Afni and that they could make our life miserable until we pay them, they claim they bought the bad debt and will collect. They demanded I send them {$220.00} immediately or the bill would go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I opened a XXXX account and when I tried to use it I discovered it was closed! 
The culprit : Early Warning Systems ( EWS ), the banking industry 's own credit reporting agency. I requested and receive " my '' credit report from them and discovered not only XXXX or XXXX bogus accounts BUT there is no way to contact these banks on these accounts directly. FISHY? Of course! All of these were posted under my social but are all/almost all belonging to XXXX different people. The only way to clear my erroneous record is to submit to EWS a detailed letter on each of the individual accounts. 
XXXX all provide the creditors contact info. EWS refuses to reveal these details. Surely this is to protect their own fraudulent practices. My bank record is CLEAN yet I will never have a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: CA

Complaint narrative:
I received a notice from Afni asking me to pay a specific amount of XXXX to settle a debt on a 'discount '. Although I was laid off, in an attempt to stope them from sending more letter to my neighbor I sent a check for exactly XXXX by the date they asked. Now I 'm being asked for over {$100.00} more which was never disclosed to me in writing. I attempted to settle the debt on their terms and they are not honoring it. Now I 'm receiving more letters asking me for more money under the same pretense of settling my debt at a 'discount '. I 'm trying to do the right thing by paying what I thought would settle this debt. I am unemployed and I need every penny I have. I do not appreciate them asking for more and more money than they asked for in the first place. They are also sending mail to my neighbor who has been upset with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Early warning services is reporting inaccurate reports showing that in the past my account such as XXXX XXXX, XXXX New York XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Were updated closed but not in a good standing. All my bank accounts balances were paid to XXXX. There is no balance owed on any of the accounts There not advising of why the accounts were closed accurately. Which is hindering me from opening up a bank account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Reference account : XXXX. We just took out a personal loan with Regions Bank this past month and received a letter this past week we have been turned over to collections and may be reported to the XXXX credit bureaus. Our issues : ( 1 ) This is the first letter received, ( 2 ) it is not clear if this letter relates to the loan we just took out, but assume it is since we know of nothing else owed to Regions, and ( 3 ) the local bank officer who did the paperwork stated our first payment was due by XXXX XXXX ( next Monday ).

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 2016-04-07 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: MA

Complaint narrative:
Calls my house under a " spoofed '' number, hangs up, calls back and threatens to sue me If i do n't pay a debt that I do n't owe. Have told them to Cease and Desist all contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: American Credit Resolution, Incorporated
State: PA

Complaint narrative:
I received a phone call from a number located in Texas ( XXXX ) stating, " Hello, this message is intended for XXXX, my name is ( uhm ) XXXX XXXX I am calling regarding some paperwork that I received in my office today under your name and social security number. I need you to be advised that I have a request to put you on my schedule defined by the certified notice of intent regarding a pending case that has been filed against you. Before I stop by your residence or place of employment we wanted to give you a curtesy call and inform you that you are being put on my schedule to be served. ( Male coughing in background ) If you have any questions regarding this matter you do have a legal right to contact the following party at XXXX refer case number XXXX. Now just to be clear you are being put on my schedule for XXXX between the hours of XXXX and XXXX. Unless I hear differently from the plaintiff I will be out to see you at that time. ( Uh ) XXXX you have been notified. " I believe that these people are not who they say they are and are violating SS 807. False or misleading representations [ 15 USC 1692e ] of the Fair Debt Collection Practices Act. Specifically subsections 3 and 10. I am unsure of what else this person could be misrepresenting or falsely stating, all I know is that this is not the first time they have called trying to scare me into calling them back and conning me into giving them money or my information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-02-16 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 have disputed with XXXX collection agencies and XXXX major credit bureaus online, verbally, and in writing related to negative items I believe are erroneous reported on my credit report. I have disputed the account information and verfified the debt has been paid. How is it possible for the bureau to get away with this? Under the consumer laws, I 'm unable to get them to send me a detailed invoice related to the amounts I owe. It 's very confusing as a consumer to continue to receive letter from several different collection agencies requesting me to pay the same debt for different amounts. I have uploaded the letter received related to a debt with XXXX under past disputed CFPB case XXXX and XXXX received from different agencies. Now, I am in receipt of a new request from AFNI , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 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: EOS Holdings, Inc.
State: GA

Complaint narrative:
someone used my stolen identity information and created several accounts including this one from getting services and things that i was not apart of yet the information that was stolen was used this account is fraudulent and from id theft and needs to be taken off asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 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: FL

Complaint narrative:
I do owe this debt as it was already removed from my credit report in 2016 from another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I was previously with XXXX and I started doing a loan modification with them and in the middle of the loan mod they sold my loan to another lender XXXX and this lender send me to another lender XXXX and so on... In the meantime I did not receive any information of this until after I received a trustee sale date and when I called Quality loan Trustee  I asked them who is the loan with they said Caliber Home Loans I asked them what was the loan number and they hung up on me. I called around XXXX times to them and they kept hanging up on me. After XXXXcouple days of this I finally got a hold of someone who helped and provided me with a loan no. I called Caliber home loans gave them my social, the loan no. provided by quality loan and they kept hanging up on me as well. When I call caliber home loans and they ask me to enter the loan number which I did but the phone kept hanging up on me after I put in the loan number. I also went online and printed a loan modification packet, I filled it out and put together a full packet by the RMA instructions and I faxed in to Caliber home loans. The next day I called them asking them if they received my fax they said they did not and I told them I have confirmation but they hung up. 
I called them couple days later and asked them about the fax and the loan, they kept asking me for the loan number which I only received from Quality loan but they say that's not it and hung up. I even gave them my social date of birth which by that information they should locate my loan but they cannot and hung up again. 

I don't know what to do anymore and how to work with this company. I have a sale date scheduled XX/XX/2015 and am very worried that they are doing this to just say oh you did not send us any docs for a loan mod and then they will just sell the home. How can I get a hold of them so I can work with them? 
Please help me as this is getting out of hand and getting very close to the sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: FIRST REPUBLIC BANK
State: NY

Complaint narrative:
Our primary mortgage holder, First Republic Bank did not escrow our property taxes, they were our responsibility to pay. In XX/XX/XXXX, our property taxes were in arrears and First Republic paid the taxes that were due plus all current property taxes that were due. Now they decided to collect escrow for future taxes and also they wanted to be paid back within a year for the taxes they paid that were in arrears. Our mortgage payment went from {$1400.00} per month to {$3400.00} per month. Starting XX/XX/XXXX, the new amount was due and I paid XXXX, XXXX, XXXX and XXXX. After the XXXX payment I contacted the bank and to notify them of our situation. I stated that the new payment amount was unaffordable for us. I requested to have First Republic Bank modify the loan to make it more affordable for us, and their proposal dated XX/XX/XXXX was to collect interest only from XX/XX/XXXX and to list our home for sale on XX/XX/XXXX and all proceeds must be paid back by XX/XX/XXXX and the house should be sold by then as well. We declined this proposal and continued to ask for a more affordable approach to keep our home. We feel that First Republic Bank did not look at our situation after we submitted our income and expenses again with an accurate picture as to what we could afford. Their solution was to have us resume the new monthly payment of {$3400.00}, which we still can not afford. The Manager of Special Assets, in a phone conversation with myself stated that we can not afford our home, so we should sell it. After much back and forth, First Republic Bank is refusing, we feel, to make any attempt to give us an opportunity to remedy our situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have had a student loan with XXXX XXXX ( now Navient ) for about 10 years now and recently have been reading about a lawsuit out against them. I realized this applied to me in many ways. Over the years I have called Navient explaining how it has been an issue paying their monthly charge, and they never did anything to try and solve the problem. Even when I came back to them explaining their own solutions on their website about income based repayment options and just interest payments, they claimed that was not an option for me. At one point they told me my best and only option was to go into forebearance, and being XXXX XXXX XXXX XXXX XXXX me, I did it, adding XXXX dollars to the principle of my loan. This all could have been avoided if they just took the time to understand my problem instead of finding ways to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I requested debt validation from Business Professional. They responded with a letter refusing to provide validation. Please see attached letter received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: REGIONS FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX/XXXX/16 I requested {$600.00} from an ATM owned by XXXX XXXX. The machine did not dispense any money. I have filed a dispute with XXXX with no results or response. 

# XXXX 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 monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc.
State: TN

Complaint narrative:
Hello CFPB, I would like to bring to your attention an injustice matter that I have encountered concerning my home of 33 years with different mortgage companies. I 'd worked for XXXX in XXXX, XXXX for approximately 15 years. Due to an on the job injury, I began having problems with my legs and was placed on light duty for a number of years before I was forced to quit, in XXXX XXXX, due to unable to completely perform the job task, per new management. During the next couple of months I received unemployment, but really struggled to pay my bills and got extremely behind. Fortunately, I was approved for XXXX and Social Security and began to receive fixed monthly payments in the total of {$1000.00}. This has been my only source of income since XXXX XXXX. 
I was paying mortgage on my home with mortgage company, XXXX XXXX XXXX XXXX, loan # XXXX and my payments were {$250.00} per month. Then, a new mortgage company by the name of FCI Lenders Services Inc. took over my payments. They claimed that they could n't find any of my payments to the previous company and that I had n't made payments from XXXX to XXXX. I explained to them that were absurd and there 's no way I would still be in my home if that accusation was true. Finally, after several complaints from me and extensive research, they found my payments, but refused to give me credit for them and wanted me to now pay {$650.00} per month. I sent in a letter of request for them to lower my payments, but they denied the request. FCI Lenders Services Inc. gave me a forbearance agreement to pay {$650.00} per month from XXXX XXXX to XXXX XXXX. I was unable to keep the agreement due to being XXXX for XXXX, XXXX XXXX XXXX, and XXXX problems for about a week. I had to pay for my medication and see different specialist 3 times a week upon being discharged from the hospital. Since then, my loan has been turned over to a new company by the name XXXX XXXX XXXX, my file loan number is XXXX. On XXXX XXXX, XXXX, they are planning to foreclose on my home of 33 years. They told me in order to keep it I will have to pay {$120000.00} due to back pay. The home is only worth {$13000.00} and the homes in the area are valued from {$30000.00} to {$40000.00}. Please investigate this matter so I wo n't lose my home. Any help of this matter will be greatly appreciated. I 've listed the addresses and phone numbers of the mortgage companies listed above. Thanks! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fax

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: GA

Complaint narrative:
Account appeared on my credit reports. I disputed it, it was removed and company added the account back to my credit and continue to make attempts to collect

Company response to consumer: Closed with explanation