vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-26 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
I received a collection letter and sent debt validation letter within 30 day period. company continued collection activity by calling me twice before verifying debt attempting to collect asking if i wanted to make arrangements to avoid litigation. they lied and said that they sent verification but they did not. they " claimed '' they sent to the incorrect address. both times i told them that i did not want to discuss until i received verification. they finally sent the verification and when i opened their letter, it was dated 3 days after their last phone call to me where i told them i would not discuss this until i receive proper verification. i was called again last week and told them i was researching what they sent me and they gave me a deadline and threatened to sue me again. the information they sent me was fabricated and unauthenticated. also per ucc, not only did the oc lie about the sale of the vehicle, they failed to send proper legal notices and is not due a deficiency judgement. and they better not lie in their response because i have every single detail well researched and documented. this has stressed me out completely and i have spent hours of my time researching this issue when i should not have to.

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 2015-11-20 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: CA

Complaint narrative:
AFNI is reporting to the XXXX major credit bureaus ' negative information about an account that I did not open. I sent them a request for a validation of the debt and they did not respond within the 30 days required. I have disputed this error to the credit bureaus ' and AFNI continues to keep this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a Home Mortgage with Washington Mutual. Later on it was taken over by Chase.Due to severe financial hardships and my bad health condition, as also that of my wife, I had stopped payment from XXXX XXXX. At that time my Unpaid Balance was {$400000.00} and my monthly Mortgage Payment was {$3100.00}. I applied for a HAMP Loan Modification and made XXXX TPPs of {$2200.00} ( Total {$35000.00} ) each but the Modification was rejected. Again I reapplied and made XXXX TPPs of {$1900.00} each ( Total = {$7600.00} ). Thankfully after XXXX TPPs, I got a permanent Modification in XXXX XXXX. If I add up the XXXX unpaid installments of {$3100.00} ( Total {$110000.00} ) to the UPB of {$400000.00} and deduct the XXXX TPPs ( {$42000.00} ), the Balance comes to $ XXXX.However, in the Modification Agreement, they are showing a Balance of {$490000.00}, which is {$18000.00} more. The Legal Charges, if any, would not be $ XXXX. My feeling is they have not applied all my TPPs to the Loan Balance or there is some serious mistake somewhere. I am attaching all the said documents for your perusal.

Company response to consumer: Closed
Consumer complaint received 2016-11-14 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: EOS Holdings, Inc.
State: NJ

Complaint narrative:
Hello. This is not a debt. This bill was paid to XXXX in XXXX XXXX. What happened was they said they would send me a check for the balance they owed me because I cancelled my service, and it was pro-rated. I was not under a contract. That was in XXXX XXXX. I waited and waited, but no refund ever came. I contacted my credit card company in XXXX XXXX, and they reversed the original XXXX payment back to my card. Then, the next day, I received a check from XXXX in the amount of {$38.00}. I was like fantastic. I called my credit card company back, and told them to re-charge my card with that amount, that XXXX had issued me a credit. They did, and I thought everything was taken care of. Then, in XXXX XXXX, XXXX sent me a bill for that same amount, {$38.00}. I called them, and they had me basically transferred around to about 10 different people. When I did speak to them in XXXX, I was told that XXXX does not give refunds to customers for services that they do n't use when they cancel their services. '' What this meant was they bill you an amount, and if you cancel, even after 1 day, they keep your money. I sent them proof from my credit card company, statements. I even had XXXX XXXX XXXX on a 3-way call with XXXX, and they said a supervisor would call me back. It 's been 12 months and counting. I paid this bill. I have the proof, and XXXX, nor the XXXX other nasty credit debt collectors would listen to me or look to see that I paid them. Now, this balance has been passed to a 3rd debt collector with a 'settlement amount '. I do not owe this money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: EOS Holdings, Inc.
State: CT

Complaint narrative:
EOS CCA has made excessive and numerous harassing phone calls to my employer, in violation of the FDCPA. They have used intimidation and fear tactics to extract private personal information from my employer. They have also caused undue harm and tarnished my reputation by use of their illegal and immoral tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I recently had XXXX unauthorized balance transfers appear on my Regions Visa credit card statement. XXXX transfers were from XXXX and XXXX from XXXX. I do not have a XXXX or XXXX card or account. XXXX credited one charge but not the other one. The first transfer occurred from XXXX on XX/XX/2017 in the amount of {$2600.00} plus a transfer fee of {$79.00}. The next transfer from XXXX occurred on XX/XX/2017 for {$2400.00} with a transfer fee of {$73.00}. This transfer was credited back on XX/XX/XXXX. XXXX made a transfer on XX/XX/XXXX for {$1500.00} with a fee of {$47.00}. I made a complaint with Regions and received today a notice stating they found no error and are not correcting the fraudulent charges.

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 2015-06-30 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONWIDE ACCEPTANCE LLC
State: CA

Complaint narrative:
nationwide west LLC ( Illinois based loan company ) has been calling my business phone up to XXXX times per day from various listed and unlisted phone numbers from every state regarding a less than 30day late missed payment. ridiculous and harassing! they even call people I know asking them to forward me a message to call them back! talk about crossing boundaries!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
Early Warning is reporting fraudulent information on my credit profile and refuses to block the information pursuant to the Fair Credit Reporting Act. I submitted my identity theft report along with a police report to Early Warning on XXXX XXXX, 2015. On XXXX XXXX, 2015, I was told that Early Warning will not comply with the Fair Credit Reporting Act, Section 605B and will continuously report fraudulent information and cause harm to me in doing so. I was told via the telephone from a representative of Early Warning that XXXX XXXX XXXX " confirmed '' the information and will not allow them to block it despite it being fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ok I have contacted before then contacted my bank but they are doing the same thing they have done in the past. On Wed XXXX XXXX i had went to staples purchased {$3.00} and some change in copies also the same day before XXXX i had purchased {$17.00} then on the XXXX after banking hours i went to take out an atm fee so what the note said was could charge a fee so i got a mini statement. which cost XXXX dollars. So they turn around change the order they came in charged the atm charge then the mini statement XXXX done at their bank. Then put the fees on the other charges after them even though merchant services now only take one to two days. Also they had sent a account change saying that charges below XXXX would only be charged XXXX dollars. The lady on the phone a moment ago said they changed that. So in effect what they are doing is the same the have always done manipulate the way things come in to charge huge fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: TX

Complaint narrative:
I reviewed my credit report, and notice that AFNI was reporting a collection account that did not belong to me. I initially reach out to AFNI requesting this account be removed or proof that this account belongs to me. Instead AFNI sent me a computer print out with someone else name on the documents. I later followed up with two more letters requesting this alleged debt be removed from my credit report or proof that it belong to me. I have not received any documents showing this debt belong to me and the collection account is still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 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:
I applied for Bank of the west checking account promotion online since they were offering {$150.00} credit. I completed all requirements to get the bonus and to my dismay I was denied claiming another house hold rep received a bonus this year. I called BOW customer care and spoke to someone right after acct opening and these guys are not organized and only specialized in wasting valuable customers time. I asked customer care rep If I qualify for the Bank promotion that I applied. I was told that I am qualified and I need to wait until XXXX XXXX to receive the bonus and they never told me that I am not qualified since another house hold rep received a bonus this year which is not true. 
I am checking my tax returns for last year 2015 and I do n't see a XXXX interest income statement from Bank of the west and I do n't have any promotion applied to my account this year either. Same is true for my wife since we file taxes jointly and no other household reps lived at my house.

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 2015-09-02 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: KY

Complaint narrative:
I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article XXXX of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: TN

Complaint narrative:
The original bill was for {$89.00}. The late charges, fees, and collector fees has escalated this bill to {$440.00}. I called XXXX to ask if I could pay my bill on Friday, it was due on the Wed before. The girl I talked to said that it would be ok and she would mark it on my account. The next day my phone was turned off. I called to have it turned back on they said it would cost me XXXX plus the next month 's bill, costing me {$230.00}. It was never posted on my account that I called. I want to pay this bill, but I refuse to pay what I 'm being charged. I will pay a fair amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XXXX/XXXX/2016 I received a call from XXXX from a women who said she was calling from Bank of the West. She informed me that the she was calling customers because the bank had sent out promotional credit cards to their good customers, with 0 % interest for 6 months and that a lot of people were saying they never received anything. She asked if I had received a credit card in the mail. I told her I had not received any credit card. I assumed that this was a mistake, since there was nothing on my account online. She told me that the she would send out a new credit card and to expect it in 7 - 10 days. On XXXX/XXXX/2016 I noticed a new line of credit on my Bank of the West online account. XXXX also sent me an email that there had been activity on my account. On XXXX/XXXX/2016 I called Bank of the West and I told them my story. They told me that I had signed up to their promotional credit card, which I never did. I told them I needed them to cancel the card and to report this to all credit bureaus as a mistake. She then said she would send an email to her manager to look at my account because I have indicated the account open was done fraudulently. She said I would get a call back. What I think happened is on XXXX/XXXX/2016 the person I spoke to was lying and she actually signed me up for a credit card without my permission. I think this seems probable as her story, that the bank was giving out credit cards seems flawed, I 'm not a good bank customer. Although I have good credit on my bank account I routinely go negative balance. If that did n't happen and Bank of the West opened an account without my permission this is not okay as I never agreed to their credit card, the line of credit and their terms. They have a high interest rate on their credit card 19 % and only 6 months no interest promo, that 's pretty XXXX. I have a XXXX card with no interest 21 months, I would never get a Bank of the West credit card, makes no sense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25 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: PA

Complaint narrative:
i never had this account i tried to contact the, m but run around. my score is so low because of this .why and i need to do something about this now. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CO

Complaint narrative:
I got XXXX and was off work for a couple of months and we got behind on the mortgage so I wanted to do a modification and went through the process we sent in all our information and waited on their response. Finally we got a letter in the mail informing us that our mortgage payment has went up over XXXX dollars a month for the rest of the loan. Our payment went from XXXX to XXXX for the remainder of the loan. We were told to pay the new monthly payment or they will take home. After talking to many different people asking why our mortgage has went up someone finally told me that after looking at our finances they determined that we could afford the make the higher payment and if we could n't we would have to do a short sale or get our home taken. This is the WORST mortgage company in America!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
THIS COMPANY IS REPORTING THAT I CURRENTLY HAVE A CAR LOAN WITH THEM AND A VEHICLE THAT IS PASSED DUE FOR THE LAST 5 YEARS. IVE CALLED AND VISITED THIS LOAN COMPANY TO GET THIS MAJOR INACCURACY RESOLVED BUT THEY ARE GIVING ME THE RUN AROUND WHILE STILL SEVERELY AND ILLEGALLY DAMAGING MY CREDIT. NOW NO ONE IS RETURNING MY CALLS. I DO NOT HAVE A CAR OR LOAN FROM THIS COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 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: TX

Complaint narrative:
I had an account in 2008 with XXXX and before leaving I paid and return and necessary equipment and now they are saying I owe them a bill. I do not owe them when I left the company I had a zero balance and they waited until now to report this inaccurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF THE WEST
State: WA

Complaint narrative:
I previously submitted a complaint on the Bank Of The West for not sending me information on my account including acknowledgement of my loan being paid off on XX/XX/XXXX and my not receiving the title to my vehicle which was Case # XXXX. The bank did reply after you contacted them however they have n't given me everything yet. 
After their original response I received another letter from them dated XX/XX/XXXX in which they stated that I will receive my Certificate of Title or Lien Satisfaction documentation in approximately 10 working days. Well it is XX/XX/XXXX and the 10 days have passed and to date I have not received the title to my automobile. I personally feel that they are purposely holding onto my title and I feel that they need to be taken to task over this and fined heavily for their total lack of competency. 
Their contact information is Bank of The West, XXXX., XXXX, CA XXXX and my paid up auto loan was 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 2015-04-02 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: The CBE Group, Inc.
State: WI

Complaint narrative:
Because we could n't come to terms, I advised a XXXX costumer service agent that I planned on cancelling my service with them to go with a different carrier since I was within my 15 days to do so with no penalty, then I disconnected our call. The agent went to the lengths to call me back to offer me a " loyalty plan '' to keep me with them, that I later ( now too late ) found out did n't exists. Ironically I tried to call XXXX numerous times in the following months to get them to honor what I was offered or terminate my contract with no penalty, as I planned on doing before being tricked into keeping it past the 15 day period. Ironically, I could n't get a call back from XXXX when I wanted to, but the agent could call me and sell me lies after I hung up on her. After about the XXXX call in I talked to a rep who offered me a new plan, {$50.00} more expensive ( {$120.00} instead of {$70.00} ) than the plan I THOUGHT I agree to, but I was tired of the run around so I agreed. After that, I had to call back again because the rep who offered me the {$120.00} plan did n't switch it over right. By the time I got my next bill it was {$190.00}. SO AGAIN I called, XXXX final time, to tell them I was done and to cancel my contract as I have been requesting. My intention was to go to get bought out of contract by XXXX of the other carriers but the bill had to be current and I refused to be pay XXXX another dollar after over 6 years of being with them and being treated so poorly. It took me some time to figure out a new phone situation, but I ended up doing so. Next thing I knew I got a {$690.00} bill from XXXX and emails from a debt collector on their behalf. I submitted a XXXX complaint and even that turned into a night mare of unanswered VMs and multiple contacts. I was told multiple things by multiple reps. They both made me offers contradicting each other 's and still based off of the wrong information, and when I asked for clarification and then a supervisor, I was denied both. I was tricked into keeping this contract when I made it clear I wanted out, and was within the time frame to do so without penalty. This the is the worst experience I ever had with a service provider, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 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: OH

Complaint narrative:
THIS COLLECTION IS BEING REPORTED ON MY XXXX CREDIT FILE THIS IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a text alert set up on my checking account to alert me when my account goes below {$5000.00}. On XXXX/XXXX/2015 my checking account balance dropped below {$5000.00}. I was not notified via text until the morning of XXXX/XXXX/2015. In the interim I had XXXX items clear my account which caused XXXX overdraft fees of {$100.00}. Had the alert worked properly, I would have moved funds to this account and avoided the fee. After spending XXXX minutes on the phone with Regions Bank representatives, I was only refunded {$18.00} of these fees and told that a supervisor would review refunding the remainder of the fees and call me. I did not receive a call back so I sent a secure message asking that the remainder of the fees be refunded since the Bank 's notification was XXXX days after the actual occurrence of the balance dropping below {$5000.00}. Regions responded that it essentially was not their problem that caused the overdraft as I should have better monitored my account ( which I attempted to do by setting up the text alert ) and that the alert may or may not work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief