vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I set up an account with Bank Of The West. The account was a fresh start account for my son. Upon opening the account, I was informed that after a year of good standing the service fees of {$12.00} a month will be dropped. On XXXX XXXX, XXXX I spoke to a branch manager to have him drop the fees, he informed me that the fees were dropped. On XXXX XXXX, XXXX I noticed the {$12.00} fees ( there have been fees taken out since XXXX XXXX ). When I spoke with a branch manager she stated that my account will continue to be a fresh start account because there was an overdraft amount of {$4.00} in XXXX XXXX. The overdraft fee was paid the very next day. There was a breech of contact because I was lead to believe that after a year of good standing my account will not be considered a fresh start account, which is why I agreed to open this type of account with this bank. I am aware of the XXXX waiver which expressly requires the bank to consider hardship. I am also aware of the banking code, which requires the banks to behave sympathetically.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02 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: GA

Complaint narrative:
My contract with XXXX was completed and I did not want to renew my service with them because of the rate increase. I sent the equipment back. Later I was charge {$250.00}. because I did not renew with them, I spoke with this company on numerous occasions to have this error corrected, but was not able to get this resolved. I filed a complaint with FTC about this issue and the numerous different collection agencies that keep reporting it to the credit reporting agencies. It will be removed when I file the compliant then another debt collection agency will file in the credit system. This is an on going cycle and I am requesting to have debt error removed permanently from my credit. As a responsible consumer I feel this a bulling tactic from this organization ( XXXX XXXX XXXX ) when they can not get their way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: CA

Complaint narrative:
This complaint is again Nationwide Bi Weekly Administration, IncThis company debited my bank account for my XXXX House payment and never sent the payment to my lender putting me XXXX house payment behind and owing a late fee. Additionally they debited my bank for my XXXX House payment which is due today, XXXX. My lendor has not received XXXX. The XXXX debits total XXXX I have been unable to reach Nationwide via phone, or email. Have called all XXXX of their phone numbers. Any help in resolving this quickly is most appreciated as I do not have the money to pay my house payments.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Automobile Acceptance Corporation placed my car out for repossession for insurance, not payments. They will not work with me in any way shape or form. They 've issued me a refund during these negotiations and continue to contact my place of employment even though I 've asked them not to do so in writing and verbally. The third party arbitrator has never returned my calls and not they are threatening to file a concealment warrant against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 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: EOS Holdings, Inc.
State: MD

Complaint narrative:
I left the country on XXXX of XXXX but before I cancelled an account I had in XXXX XXXX XXXX because I 'm going to back to the XXXX to finish my studeis. I knowing that everything was fine. I stayed there untill XXXX but I came back to the XXXX in XXXX of XXXX and XXXX of XXXX. The both times I came to visit I stayed at our house that my family owns since XXXX. None of those times I came back did I get a letter from XXXX XXXX XXXX of any delinquent account I have from them or did I get any messages. I moved back to the States in XXXX with my fianc and opened another cellphone account from XXXX XXXX XXXX. It was a couple of months later that I started getting phone calls from different number on my new cell phone. The person that I talked sounded like she was scamming me because she was from a debt collection company said that I owe them money and asked how I want to pay for it without a thorough explanation. I was skeptic because my mother has been getting calls from a guy pretending to be a cop and asking for money. I never paid attention to their call until I saw my credit score go down. I 'm planning on purchasing a car and I 'm afraid with a credit score that I have now I wo n't get a good deal. When I talked to XXXX if their representatives they allegedly said that they 've been contacting me since XXXX after XXXX XXXX XXXX transfered them my account which I highly doubt because I was in town in XXXX and my mother has been here the whole time so she would 've gottten their message or even from XXXX of XXXX XXXX XXXX 's representatives way before they transfered what I owe to EOS CCA debt collection company. What I owe is not thousands of dollars but it goes against my morals

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: AR

Complaint narrative:
This bill was originally from XXXX Arkansas XXXX XXXX and was placed with EOS CCA while I was appealing this bill with my insurance. EOS CCA is charging interest on this balance. My insurance paid all but {$56.00} of this bill but EOS CCA is continuing to charge interest on this and has reported a balance on my credit report of {$94.00} as of XXXX/XXXX/16. I have disputed this on my credit but they verified to XXXX that this was the correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
Filed a complaint regarding a credit card fraud ( XXXX gas card account # XXXX ) sent all the requested information and document followed all the instruction provided by XXXX XXXX XXXX ( fraud Manager ) direct line XXXX XXXX XXXX. 
All supporting information and document sent on XXXX/XXXX/2015 After numerous phone calls and Email never received any follow up. 
Until now when we are contacted by various collection agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: AFNI INC.
State: WA

Complaint narrative:
I discontinued my telephone and internet service with XXXX XXXX in XXXX of XXXX. I paid the XXXX bill of XXXX on XXXX/XXXX/XXXX. XXXX XXXX TV was bundled with XXXX XXXX phone and internet service and it took 2 months for them to stop billing me for XXXX and release me to pay them directly rather than through XXXX and they would not release me until I had a final bill from XXXX XXXX and had paid it. I paid XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. I was told at that time that I had paid all I owed. I paid my XXXX bill for XXXX to XXXX on XXXX/XXXX/XXXX and continued to pay them from that point forward. In XXXX of XXXX I received a notice from a collection agency demanding payment of {$51.00} due to a balance due on my account with XXXX XXXX. This was 9 months after I had discontinued my service with XXXX XXXX and 7 months after I had been told by XXXX that I had paid the final bill with them. Rather than contact or bill me directly, they turned what they claimed I owed them over to a collection agency. I spent over an hour on the phone with several different people at XXXX XXXX trying to get an explanation for the charge. I was finally told that the amount came from money they paid to XXXX on my behalf. The problem is that I never missed a payment to XXXX. I had paid XXXX for XXXX and XXXX and then I paid XXXX directly starting in XXXX of XXXX. If XXXX XXXX paid money to XXXX after XXXX then they paid money that was n't owed and they need to talk to XXXX about refunding it. XXXX XXXX reported me to the credit reporting companies and my credit rating took a big drop from almost XXXX to under XXXX. I contacted the agencies and disputed the debt. They researched it and deleted it. My credit rating went back up to over XXXX. Then XXXX XXXX turned my account over to another debt collector and I got another demand for payment dated XXXX/XXXX/XXXX from the new agency. I assume they will report me to the credit agencies again and I will have to go through the whole process again. I do n't owe them any money and it is nothing short of harassment for them to be demanding payment from me. The debt they claim I owe is the result of their inability to manage their own account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 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: IL

Complaint narrative:
I contacted AFNI in regards to this debt with XXXX XXXX XXXX that appeared on my credit report. At the time they state that this debt occurred I was only XXXX years old and have never had phone service with XXXX XXXX XXXX and someone must have used my information to establish service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I opened a Bank of the the West account. The account came with a promotion. The promotion was get {$100.00} for setting up a qualifying direct deposit. I have received that promotion. The other promotion was, " get {$50.00} for making XXXX debit card purchases each month for 2 months. '' I have met the terms for the {$50.00} promotion and have not received the promotion that I am entitled to. I want the {$50.00} that I am entitled to that Bank of the West has not given me.

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 2016-12-21 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was dealing with XXXX to set up a web business, after that I started getting calls from other companies offering online related business. That 's when I was contacted by XXXX who designed a website. I was also charged for a blog, a press release and video. Every time they would call they would ask for a new fee. There were several charges in total of $ XXXX.My store was ready for sales in XXXX but have not made a penny. A friend tried to find my store ( XXXX ) but could not find it. So I had no chance of making any money. They never intended to sell me a legitimate business. I have cancelled my debit card. I want and need my money back and I tried to resolve directly with them but they do not respond my refund requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
On Thursday XXXX XXXX 2016, I was called by Credit Consulting Services at XXXX. I returned the phone call at approximately XXXX on Thursday XXXX XXXX 2016. My first complaint was against the same company the other day, but then I remembered that they also called for XXXX bills of mine that they have. It was the same representative who was rude and her supervisor who was rude and would not help me as I demanded her and I to switch roles and see how she liked how her employee acted towards me. The employee seemed like she did n't care about her job and thought it was a joke as she went ; " hhhhhmm and chuckled, '' when I advised her that I could n't take care of it and did the same chuckle when asked me to put it on a credit card. The supervisor/manager was very rude as well. The representative never asked for my last name, last XXXX of the social, address. All the representative who answered asked for a phone number since I called blocked and my first name. They should not be assuming with only XXXX pieces of information that is me or correct. I feel that since the company see 's my last name that they are racially profiling and sending the letter in English and XXXX. I have never had this issue before and I find it very offensive and all letters and communication needs to be in 100 % English or legal action will possibly be taken. I have the documents as well for proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 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: TX

Complaint narrative:
AFNI is trying to collect a {$350.00} XXXX XXXX " debt '' from me. Here is the problem with their claim : - I have never had an account with XXXX- I NEVER lived at the address they are reporting the debt occurred- They REFUSE to verify the details of the debt i.e what months and from what years I owe and what XXXX services I used-They refuse to verify my birth date and social security number. 
-The FDCPA requires them to give 30 days notice of any debt owed. I never got such notice. 

I have disputed this account several times with XXXX and the other CRA 's but each time AFNI has knowingly falsely verified the debt as being accurate. That is an egregious violation of the FCRA guidelines and there are severe fines and penalties set forth in the FCRA for this type of behavior. I want this collection account removed from all XXXX credit bureaus right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 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: GA

Complaint narrative:
This letter is to inform you that the account in question was settled on XXXX XXXX 2016 with AFNI/XXXX. I have enclosed copies of the settlement letter and proof of payment. You now have proof that this debt is no longer collectable, therefore I demand that you remove this account, and all references to my personal information, from your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX XXXX, 2016 I opened an account online with Regions Bank. It was an offer to give me {$200.00} if I established direct deposit in the account and utilized their online banking. They sent me emails confirming this, and they mailed me a debit card. I later went to the Regions Bank Branch at XXXX, TN XXXX. I met with XXXX XXXX to confirm my identity, verify my address, and validate the special offer for {$200.00} on my account. He disputed my offer until I produced the paperwork ( printout ) of the offer from Regions Bank. He confirmed that the offer was valid and he even printed out another copy for his verification. We met for over an hour and he tried to sell me everything even though I just needed to confirm information. He said I had verified my information and I could go. 

Two weeks later, Regions Bank sent a letter asking me to verify my address and identity. I went to the Regions Bank location at XXXX, TN XXXX and spoke with XXXX XXXX. XXXX was very helpful, but she said that the Branch Manager, XXXX XXXX had to confirm the information again. She copied my Deed, Utilities, and made a copy of my drivers license. She then said that she had to follow up with XXXX XXXX to make sure he re-submitted my information. 
A week later, XXXX XXXX, 2016, I tried to set-up direct deposit on this account and I could n't. I attempted to log-in, but the website instructed me to call in to Regions Bank customer service line for online banking. When I called-in, I was informed that the account had been closed and no reason was given. Regions Bank misled me to believe that they were going to offer their promotion and give me {$200.00} in 90 days and they had no intention of honoring their advertisement. I want my {$200.00}.

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 2017-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX

Complaint narrative:
I applied for a mortgage in XXXX and at closing paid the required escrow. In early XXXX, my lending, Mortgage Solutions Financial, send me a check for about XXXX saying that that money was escrow overage. When I called my lender, they stated the money was mine to spend. I was n't aware that anything was wrong. 

Around 12 months later, XX/XX/XXXX, I received a notice that my escrow was short XXXX. My lender is now requiring that I pay an additional XXXX ( new payment of XXXX ) per month to cure the shortage! Upon researching, I discovered that my taxes were assessed at land value for the year that I closed ( XXXX ) ; however, I do n't know why my lender would NOT have adjusted my expected escrow for the full purchase price the following year ( XXXX for year XXXX ). I ca n't afford this dramatic increase in mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: TX

Complaint narrative:
Someone has claimed that I rear ended them. But I was not in an accident o, the day they said it happen. Also there is no front end damage done to, my vehicle. There is no police report or any report at all. They supposedly only have a photo of my drivers license. Which anyone could have, as I am a XXXX and work in major company 's buildings. We also have proof that my car has no front end damage done to it. Also this car was hit by a drunk driver over a month ago, and was declared a total loss. So again there is no proof of any wreck. And we want this issue resolved. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST
State: CO

Complaint narrative:
I live in XXXX and I purchased a car in XXXX XXXX, when i purchased this car i recieved a bank loan from bank of the west. Everything was fine till I called the state of XXXX and asked them what I need to get my vehicle licensed. XXXX dmv is telling me that the bank is supposed to send them the title due to the title being a XXXX title, the bank on the other hand is telling me that the dmv is supposed to request a copy of the title from the bank. I 've called on several different occasions asking and the bank first told me they lost or misplaced the title. Then the bank branch XXXX called me and said they would be sending the title out soon, but two days before that i had a voicemail from bank of the west saying they sent the title out already. I 've been getting blown off by everybody i call with a different story everytime at this branch as well. The bank of the west branch is located at XXXX XXXX XXXX in XXXX, XXXX. I just need to have the bank quit telling me lies and send the title to XXXX County dmv in XXXX XXXX, XXXX and i can not get anyone to send it so i can be LEGAL driving my vehicle. the dmv will not give me a license plate until I have the title or they have it sent to them, there is no professionalism at this branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 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: OH

Complaint narrative:
This company has been reporting the same information on my credit report for a while, I have had this information disputed on my credit report and it was removed. Every couple of years the information would appear on my credit report again. It is causing me a lot of problems. I am trying to purchase a house and this information keeps popping up. I have tried to contact the company but no response. I just want this problem handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a checking account and see a monthly charge of {$5.00} labeled Online Bill Pmt Billingfee. I do n't know who is doing the debit and when contacting the XXXX with the Company ID I am referred to XXXX then XXXX. They claim I have been misdirected and I contact my bank again to no avail.

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 2016-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
I have a debt collection on my account who I do not have any idea who this company represent. I request this debt to be removed from my XXXX credit report.

Company response to consumer: Closed with explanation