vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I responded to an on-line promotion by Regions Bank. There were problems that morning with Region 's web site, so I opened the account in a branch. A branch employee did not open my account correctly and now Regions Bank is not honoring the promotion.

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 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I attempted to obtain a consumer report relating to my banking history via a telephone call to Early Warning Services. Early Warning Services is a credit reporting agency and is listed on the consumerfinance.gov website. 

During my phone call to Early Warning Services, I was told that I could not have my credit report because Early Warning Services could not verify who I am. 

I was told during the phone call to Early Warning Services that I would have to fill out a form, submit documents and wait for a month before I can receive my credit report. 

Early Warning Services is withholding information that I need and I want my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I HAVE HAD A MORTAGE WITH BANK OF AMERICA SINCE XXXX XXXX XXXX AND HAD A MODIFICATION XXXX XXXX AND HAVE BEEN PAYING IT EVER SINCE AND WOULD LIKE MY MORTAGE MAYMENT TO BE POSTED TO MY CREDIT BUREAUS EVERY MONTH SINCE MY MODIFICATION,

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 2015-06-25 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: AZ

Complaint narrative:
XX/XX/XXXX :. I sent a check to Afni for XXXX for an account that was sent to collections by XXXX/XXXX. I got another letter for a bill for {$59.00}. I sent a check. Both checks cleared in XX/XX/XXXX. 
XX/XX/XXXX : I was trying to get service with XXXX. I was told that I had a past due balance of {$59.00} from XXXX. I sent cancelled checks from my bank showing proof that this account was paid in XX/XX/XXXX. I thought the issue was resolved because XXXX at XXXX investigated my account and informed me the payment was applied to another account. 
XX/XX/XXXX : I got a copy of my credit reports and there is a collection on my account from AFNI for {$59.00} from XX/XX/XXXX for a debt in XX/XX/XXXX. No one called me from this company or sent me a letter to let me know this account was in collections. I called spoke with XXXX and he attempted to mislead me saying the " check had bounced and that they had called me ''. Then he completely disregard my explanation and starting say " this is an attempt to collect a debt and ask me if I wanted to pay by check or credit card ''. I informed him that I will dispute this situation with the credit bureaus and I have. I also sent a copy of the cancelled check to AFNI at support recovery along with a copy of the my account to show that the checks cleared and I did n't have any NSF 's. This is an ongoing issue that is impacting my credit. I am upset with XXXX XXXX for not resolving the issue and AFNI for not giving me the chance to show proof of payment prior to putting this information on my credit report. Please help. BTW, my address has not changes in 5 years or my phone number and no one attempted to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I have a debt collection agency calling to collect a debt that I do not owe. I send a letter to the agency requesting a Validation of Debt within 30 days. This time period has passed, and I have not received validation. I had also requested no further phone communication, yet I received another collection attempt over the phone on XXXX/XXXX/15 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST
State: KS

Complaint narrative:
I have had nothing but problems with Bank of the West. The worst part about it is that there are issues going on some where in the system and they could n't tell me what caused them. I made a name change and added a beneficiary to my account in XXXX. Between my husband and I we have XXXX accounts with them and a year later, in XXXX, we received 16 notices in the mail of name or address changes made to our accounts. We did n't do any changes. After months of research they could n't tell us what happened, It must have been a glitch they said. Another year and a half later I received 15 more cards with the same issue - called the number on the card to address it and they could n't help me, even though that was the number it stated to call if the information was incorrect, had no clue what the issue was, they said they forwarded my concern and my branch would call. That was on a Saturday, by Wednesday I still received no call from my branch.... so I called them. They looked into it and said yes they showed XXXX cards going out for a change on my address - here is the clincher : they only did it for XXXX of my XXXX accounts, AND THEY PUT PERSONAL AND PRIVATE INFORMATION IN THE ADDRESS LINES TO MY HOME!!!!!! The cards were n't in sealed envelopes but printed cards. Then while dealing with this while traveling, I used my debit card the first day and after that they denied my card for fraud hold, called the bank, I should have been called they said - called the fraud department, verified my number and they admitted no attempt was made to contact me, yet my husband was free to use his cards. This bank has no clue what one hand is doing from the other never mind the fact they are in total violation I feel of my privacy rights. Why do they not have control over what is going on in the system, who is touching what accounts and when??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 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: NY

Complaint narrative:
Caller asked for a person who has NEVER LIVED at this address and NEVER HAD this phone number. They are fishing for this person by last name connections!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
my husband received a check for approx. {$22000.00} from and inheritance recently in the form of an official cashiers check. I took the check to our Bank ( Bank of the West ) in XXXX, AZ and I was told that the funds would not be available for at least XXXX business days. I was told that {$200.00} would be available immediately, then in XXXX days {$4800.00} would be available and then in XXXX business days the remainder. I asked why that was since it was an official check. They said that there was nothing that they could do and it was just the way it was. I have since looked up the law and see that the funds should have been available the next day. I wanted to alert you to this situation. Thank you, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 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: IL

Complaint narrative:
I checked my credit report and apparently this company AFNI a debt junk buyer, purchased this debt from another collection agency called XXXX. AFNI has re-aged this collection on my credit report and has never sent any notices to me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Nationwide Biweekly Administration, Inc.
State: CA

Complaint narrative:
We enrolled in nationwide bi weekly program and now they are closed and they say the issue might get resolved few months later. They had also collected a fees of over XXXX $ from us and now they are saying even though the service is not offered the money is not refundable and refusing to answer questions. 

I also see this in reference to this XXXX Please help any way. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
We have a Chase Amazon.com Rewards Credit card. I had a declined transaction today. I phoned Chase customer service, eventually speaking with a supervisor XXXX XXXX. I made a payment through our bank 's Bill Pay on XXXX/XXXX/2015. I balanced our checkbook today, their {$300.00} payment cleared our bank on XXXX/XXXX/2015. The due date was XXXX XXXX, 2015. Please note that we made a {$4000.00} payment in on XXXX XXXX, 2015, so it was n't a late payment leftover from XXXX. 

I questioned if there was a " grace period ''. XXXX XXXX stated that the grace period is already built in. I have never had an issue with a credit card where when the payment was 4 days late, having made a {$4000.00} payment the month prior, the card is unusable as of the due date printed on the statement which was XXXX XXXX, 2015. 

Is it legal that the moment a credit card payment is late, they decline any transaction until the payment shows up ( which, according to my bank, this payment for XXXX has already cleared Chase 's bank )? 

Thanks in advance for your help with this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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: NY

Complaint narrative:
I have no knowledge of this debt. Never received anything in the mail or even a phone call. When calling this company no one was able to verify my social security number or account number that I supposedly have with this company. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX ( Social Security Number ) Complaint Against Regions Bank I, XXXX open up an account with this bank on or about XX/XX/2017 and was promised a promotion of {$400.00} by bank rep XXXX and now the bank seems as if it does not want to give me the promotion I did everything the bank told me to do.

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 2016-11-10 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:
I am opted in to overdraft coverage, and unfortunately overdrafted my account by {$1.00}, with no charges smaller than that ( meaning it was only XXXX charge that sent me over ). I then was charged XXXX {$36.00} OD fees for a total of {$100.00}, leaving my account at $ XXXX. When I called Regions to sort out, they said that the way the charges were pending is what caused it, and that it was not a mistake.

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 2016-08-19 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: MN

Complaint narrative:
Collection agency is trying to collect some money from me that has been closed several months ago due to the years that has been in my record. The case were closed, until such that they decided to open it up again.

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 is not mine
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
Repeated phone calls, daily, asking for someone who does not live here. We told them that but they have been calling for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I get calls a number of times a day on my cellphone ( XXXX XXXX to collect a debt from Kia Motors Financial ( XXXX ). Neither I nor anyone else in my house own a Kia vehicle. Neither I nor anyone else in my house have a loan with Kia Motors Financial. The person they are seeking collection from is not myself or anyone in my house. I have told the reps a number of times and they tell there is nothing they can do and they can not change the telephone on file until the loan holder contacts them and instructs them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My leased vehicle was involved in an accident and insurance company stated it was a total loss. The accident occurred within one week of turning in the vehicle at the end of the lease. The insurance company paid the finance company {$20000.00}. for the loss however per the lease agreement the payoff of the vehicle is {$19000.00}. It was explained to me that the finance company would refund the overage of payment however I was only refunded the last months payment, {$310.00}. When I contacted the finance company about the refund of the difference I was told that since they are the owner of the vehicle they get to keep any overage. I exclaimed that since the accident happened at the end of the lease I should have had the option to purchase the vehicle at the agreed price in the contract or the difference should have been refunded to me. Attached is the original lease agreement that should the predetermined purchase price and the insurance documents that shows the payout amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN PACIFIC MORTGAGE
State: WA

Complaint narrative:
I was told my mortgage company would be America Pacific Mortgage through the whole loan process by my loan officer XXXX XXXX XXXX of XXXX. Loan went through alls good then I get a billing statement from a company called XXXX who told me they bought the loan yet I am still getting mail from America Pacific Mortgage. XXXX also ran my credit before the loan was even finalized. I tried calling American Pacific Mortgage but could only leave a message and no one is calling me back. My first payment is due XX/XX/XXXX and I do n't want to pay the wrong company. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
Applied for loan XXXX XXXX with Rise Credit. I had used this service in the past but needed to change my bank account number for the funds to be deposited in. Spoke with a representative who told me to proceed with my application then immediately email a voided check so they could update my info. The next day funds were not deposited into my account. I called Cust. Svc. and the rep informed me the prior rep gave me incorrect information and I would need to cancel my previous application so they could change my bank info. I sent a cancellation request in writing XXXX XXXX as per their policy and they informed me the loan was cancelled, my bank info was changed and i could reapply within XXXX business days. XXXX XXXX I logged into the Rise website and it showed the previous loan attempt had been canceled. There was no mention or information showing they withdrew the {$310.00} from my bank account. I reapplied and funds were deposited to my bank XXXX XXXX in the amount of {$310.00}. Upon checking my bank account I noticed Rise withdrew {$310.00} on XXXX XXXX ( the amount of the previously canceled loan ). The only issue was they never deposited the original loan into my bank account. So now, I am missing {$310.00} from my bank account that was not Rise 's to withdraw. I spoke with a rep XXXX XXXX who was unable to help me and told me they do not show in their system that they made the withdrawal on XXXX, yet my bank statement shows otherwise. Due to their error I have now had returned transactions and have been penalized by my bank for insufficient fund charges. The rep on XXXX informed me they " had an issue ticket in the system '' but there is no guaranteed date of resolving my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 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: Dynamic Recovery Solutions, LLC
State: NV

Complaint narrative:
I was sent a letter from Dynamic recovery solutions dated XXXX XXXX 2015 for a debt I never made. current owner is XXXX XXXX XXXX and the, original creditor is XXXX the debt is for {$1400.00} the letter states they will settle for {$370.00} before XXXX, {$440.00} in XXXXpayments or {$510.00} in XXXX payments I am not going to respond to this letter because I do-not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Virtual currency — Domestic (US) money transfer
Issue: Other service issues — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
Signed up with Coinbase.com with a {$75.00} signup bonus for a {$100.00} deposit into their service. As it took a while to complete their signup, they changed signup bonus to {$10.00}. When asked about bonus, as I signed up for {$75.00} and completed all the steps, they stated that the signup bonus had changed and they no longer offered the higher amount and that requirements were not met, when in fact they were met fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
They use a robo phone to contact me and threaten mme with a XXXX year old debt that 's not even mine. 

They harass me all day and will not provide any documentation as to what the debt is XXXX on a Visa card??? That 's what they say I owe. That 's fraudulent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Trust Management LLC
State: TX

Complaint narrative:
This company has called my mother, my brother and threatened to contact my ex-husband and my father. They make multiple calls in a row to me and have contacted other people " trying to locate '' me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
I never received as the summon declares the demand made for payment XXXX days prior to this summon. This is not the truth. I do n't know who Velocity Investment llc never heard of them. I had an auto account with XXXX XXXX XXXX. They claim I owe XXXX. I do n't owe this, amount this is not accurate. They are sending me to court and never contacted me before this time. XXXX sold them this account. I do n't want to communicate with Velocity or their representation lawyers either. I want XXXX to communicate with me about any debts that they feel I owe them. I sent a letter to Velocity and their lawyers to validate this debt they claim I owe. I do n't owe them anything. I never signed a contract with Velocity or their lawyers.

Company response to consumer: Closed with explanation