vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regions Bank continues to charge my account for overdrafts when the funds are available. If there are enough funds for the charge but, others are pending they charge my account leaving it negative by less than what the NSF charges are. They are unethical when it comes to the fees.

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 2016-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Regions elected to close my accounts. Because I was enrolled in their paperless program, I do not have copies of my records. I need the information from the following accounts in order to do my taxes. The only option I was given when I contacted my branch was physical copies, which I would be charged {$5.00} per page and {$5.00} per check. This is an overwhelming amount of money for my small businesses, since I had several checks daily. Also, I do not see the point of printing these records, digital is preferred. The following accounts are affected. 

Accounts : XXXX 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 non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I recently applied to increase my credit line for my home equity loan with Regions Bank. I called and talked to XXXX XXXX XXXX XXXX at Regions. She quoted me a rate of 2.99 % for the 1st year due to relationship rewards and a 3.5 % rate after the first year but on a variable rate. This was much better than my current 5 % so I asked her to start the process. I wanted to increase my credit line to build a covered deck. Once the appraisal and the paperwork were ready I went in to sign the papers. I saw the 6.75 % on the papers but XXXX XXXX assured me that the rate was just calculated differently and that I was getting a better rate .... the rate I was promised. I told her I just wanted to make sure I was n't going backwards and she again assured me that I was getting a better rate. I trusted what she told me and I signed. About 10 days later I got a statement. The first thing that caught my attention was that the finance charge was around {$15.00} higher than the month before. I had drawn nothing off the account. I again looked at the rate and it said 6.750 and pulled out the statement for the previous month and it said 5.000 as the annual percentage rate. I went to see XXXX the next day. She promised me that she would do everything she could to correct this. A few days later she told me that the bank had agreed to give the the 2.99 as promised for the first year but I was stuck with the 6.75 % rate as I had signed the papers. I signed the papers under the understanding that I was getting the lower rate. I feel that I should be able to revert back to the original loan with the original credit limit as it has been less than 30 days. She told me that I was only given 3 days to back out of the loan. I had not received a statement at that point so I did n't realize there was a problem yet. I just want to revert back to my original loan as I was given incorrect information during the signing of the loan papers.

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 2016-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I order my early warnings consumer report after being denied a checking account with XXXX 
i have found that there are XXXX XXXX XXXX accounts showing on my file with a different ss # and different address that does not belong to me. 
it has been over 30 days and the information has not been removed. It should not be allowed for any credit reporting agency to put derogatory information that belongs to someone with a different social security #, different address & email account. 

this incorrect derogatory information is affecting from opening a checking account. i need this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 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: CA

Complaint narrative:
At the end of last year I discontinued my XXXX service after nearly 20 years. The customer service rep I spoke with indicated I would be billed for the partial month of service in the amount of approximately {$35.00}. During that conversation the customer service rep mentioned I was also liable for a two-year " contract '' that included a {$150.00} fee, and that my final bill was {$180.00}. I asked to see this " contract '' I had allegedly signed and was told the contract automatically kicked in when I upgraded my service package a year earlier. I spent nearly XXXX minutes on the phone ( much of it on hold ) while I objected to this early terminate fee. Eventually the customer service rep conceded I did not owe the fee, and that I would be receiving a final bill for the {$35.00}. However, when the bill arrived it included the {$150.00} early termination fee. I again called XXXX XXXX and this time the customer service rep was very short with me, and insisted the {$150.00} fee was valid. I explained that XXXX weeks earlier I was assured the fee would not be applied to my final bill. The rep refused to budge, and informed me that if I failed to pay the additional {$150.00} XXXX XXXX would submit to remaining fee to a bill collection agency. They told me not to bother sending a check for {$35.00} because it was insufficient to close my account. Two weeks ago a firm called XXXX started calling my home phone number XXXX-XXXX times per day, at all hours, leaving messages that the purpose of their call was an attempt to collect a debt and any information I provided would be used for that purpose. I have not answered any of these calls, and they have sent invoices in the amount of {$180.00} so I am assuming that this is related to XXXX as I do not have any other outstanding debts, and am concerned this will impact my otherwise unblemished credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
My Brother died in 2014. Mountain land collection is suing me for his medical debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I stopped into a bank ( Regions Bank ) to ask the process for an auto loan. I was told to send a copy of the title and bill of sale to start the process. Once I submitted the documents additional step that were not acceptable were presented. I informed the bank I did not want to pursue business with them. At that point they informed me they had pulled my credit days before. I never was told anything about access to my credit file during my initial introductory meeting, I never authorized access and never started any loan process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF THE WEST
State: NV

Complaint narrative:
I am disputing the debt of a voluntary repossessed vehicle. 
The company did not allow me time and notification to recover vehicle once repossessed.I never received notice of sale amount.And the Deficiency balance is extremely high not giving credit for payments made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: EOS Holdings, Inc.
State: ID

Complaint narrative:
After writing and mediating with " EOS CCA '' company about time-barred debt which was previously closed and deleted by XXXX, I received a letter stating they will close and delete that debt from all credit bureaus. And then XXXX more EOS CCA debts showed up from the same creditor which once again were closed in XX/XX/XXXX by XXXX XXXX Services. XXXX more were deleted from the credit bureaus after I sent them the letter then they came back then removed again and XXXX remained, which I am XXXX of disputing constantly.Like I said, that XXXX XXXX XXXX was sold or closed by XXXX then went to another company then deleted by EOS. It seems they keep extending the original date of last activity. It went from XXXX to XXXX to XXXX account opening. Please let them know that they threatening and falsy promising me in writing one thing then re-reporing the account with different account numbers. Also the latest letter came with XXXX letterhead but saying that some US Asset Management XXXX is their client now. Also XXXX stopped completely collecting in XXXX. And they need to stick to their agreement or I would have to file a lawsuit. And I am also a XXXX veterans wife who receives XXXX and I a XXXX XXXX survivor.. They go by my old name ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST
State: MN

Complaint narrative:
The bank charged outrageous fees and has predatory overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Reference Goldman Sachs Bank ( GS Bank ) ; GS Bank refused to accept written notice to close a CD at maturity. In my opinion this is an overly restrictive and punitive policy. If I were to close a CD that automatically renewed then the penalty would deduct from the principal that was used to " roll over '' the CD XX/XX/2016. 

I contacted GS Bank by phone on XX/XX/2016 and talked to " XXXX '' and again on XX/XX/2016 talking with " XXXX ''. I knew that I would be out of country when the CD matured and would not be able to call the bank. I told this to XXXX and she said it was company policy to handle account closing by phone only. I made it clear I was not happy and decided I would take action to close the account on my return. On XX/XX/2016 I called the bank to close the new CD and was told that the penalty would not be just the accrued interest since the roll over date but also deduct from the principal that was used to open the CD. Again, I told GS Bank that I found this an unacceptable policy and asked to talk to a manager. I was told by XXXX that he was a supervisor and that no one else would change the answer I was given. The penalty would deduct more than one year 's accrued interest in the account. 

My intent was to either open a GS Bank five year CD or move the principal to an competitive bank paying 1.95 %. I was not offered the opportunity to move the money to a new 1.85 % five year CD at GS Bank. 

Checking my financial files I found a XXXX page " Deposit Account Agreement '' from GS Bank. Reading this section on Certificates of Deposit it is not clear that a " phone call '' is required to close a CD. Seems to me I should have been offered the opportunity to provide written notice but was denied that option. I have several CDs with other banks and have been required by at least one bank to provide written notice, not a phone call, when closing an account. 

Simply stated, the GS Bank policy preempted my ability to improve the return on my funds. Because of the policy and the punitive penalty I can not move my money out of GS Bank for another two years. 

I would now like to close the GS Bank CD without penalty and seek support in getting GS Bank to change their policy. 

Thank you.

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 2016-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
I wrote AFNI and the never responded to my request for information and legal validation of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 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:
I returned a cable box and router to XXXX XXXX XXXX XXXX and they sent my balance to collections anyway when they said they would n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Over the last year in XXXX & several times in XXXX I have contacted my bank about a paid loan that they keep billing me annual fees for account that was closed in XXXX soon as the account was paid off. Each time that I speak with a customer service agent, they either do n't see the form filed with the correct department or the correct form was not submitted by the previous agent. Since XXXX I have been receiving statements about this same account and I have called each time that I have received one. Now they are charging a late fee, plus threatening to send this to a collection agency for an amount that I do not owe Regions Bank.

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 2015-06-03 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: AZ

Complaint narrative:
I have been contacted by this company ( XXXX XXXX XXXX XXXX ) XXXX times now using a different debt collector each time. When I call and explain to the debt collector that I have never used this company for any transaction of any kind they take my info and I never hear back from them. This current debt collector EOS CCA XXXX XXXX XXXX XXXX, MA XXXX is just another pawn in XXXX XXXX XXXX XXXX 's collection placement scam.

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

Complaint narrative:
I was told that they were soon to have4-G in my area and the phones and internet would not work where I live and they would not. I did n't owe for service and I paid one half of the charges to cancel and they said that would be accepted as settled. Then they put the other half in collections. This was a XXXX XXXX XXXX account. VERY UNFAIR! The collection is under Eos Cca fromXX/XX/2012 for {$210.00}. Ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 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: FL

Complaint narrative:
XXXXXXXXXXXX debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 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: GA

Complaint narrative:
I finished a 2 year contract with XXXX and switched to another phone company where the balance was to be paid by the new company for making a change to them. The balance was sent to collections while I was unaware and they claim they are unable to delete the item from credit report even after I pay the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
-Note : Original creditor was XXXX. 
Account owner is LVNV funding. 
Account servicer is Resurgent. 

-There is a lien on my car and I do not believe applied for a " title loan '' with CitiFinancial ( the original creditor ), I believe I took out an " unsecured loan ''. My credit report says " unsecured loan '' which was " renewed or refinanced '' See my credit report on attachment # XXXX -I have contacted Resurgent Capital Services ( the servicer ) and I asked for a copy of the loan agreement showing I applied for a " title '' loan, but they can not provide one to me. See their loan statement, page # XXXX. 

- After numerous letters to XXXX and Resurgent, asking for a copy the loan agreement or asking them to release title, my registration still shows XXXX as lienholder. See page # XXXX. 

-The car is now non-operational and needs to be donated or scrapped. See CA DMV XXXX filing on page # XXXX. 

-I can not donate or scrap the car because it has their lien on it. 
-I have no place to store the car. 
-I am paying for car insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Stark Collection Agency, Inc.
State: WI

Complaint narrative:
XXXX charged off and closed a credit card account XX/XX/XXXX. Since then it has been sent to collections three times. It was sent XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX.The collection agency that has this account is XXXX XXXX. The collection agency has re-aged this account according to the original creditor 's date of first delinquency. The credit card account has also been closed and charged off. XXXX XXXX continues to increase the amount owed stating that interest is accruing. The amount has increased from {$720.00} to {$1000.00} to {$1100.00} and now {$1700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
This account was paid to the original debtor. Apparently this company purchased the debt and continues to try to collect on it. We have disputed through all three credit agencies and now the company refuses to remove the dispute comments. This was handled by our attorney and was dismissed by the judge. Please see court case information below. The company could not provided validation of the debt in court and it was agreed to be dismissed. 
XXXX - LVNV FUNDING LLC V XXXX XXXX ( E-CASE ) XXXX/XXXX/2013 Dismissed by Parties PLAINTIFF 'S ATTY FILES DISMISSAL WITHOUT PREJUDICE AT PLAINTIFF 'S COSTS. CASE DISMISSED -- -COURT DATE CANCELLED. /NB Filed By : XXXX XXXX XXXX XXXX Behalf Of : LVNV FUNDING LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
A little over a month ago I got approved for a Matrix and a XXXX XXXX by Continental Fiance. I never received the first set of cards. I did receive a bill for the XXXX card that said my due date was XXXX XXXX, 2017. Upon receiving this bill I call the credit company. I spoke to the agent and informed them that I have n't received my cards so how do I get a bill. The agent informed me that since I was approved the bill was printed and mail. But since I have n't received my cards I did n't have to pay it. So she looked in the system and had my cards canceled. She explain that the were printing and sending out new cards. So I received my two new cards on XXXX XXXX, 2017. I opened my mail and I call the credit company back. The agent informed me that my cards are good for use and she will re age my accounts and my new due date will be XXXX XXXX, 2017. On XXXX XXXX, 2017 I use the XXXX card and made two transactions that was accepted. The next day I was trying to use the Matrix card and it was denied. I waited until XXXX XXXX, 2017 the next business day to call the credit company back. I was informed by another agent that my cards was canceled. I explain what was going on she even looked into my accounts and say that it was re age to a new due date. She explain that the cards should never have canceled out. She also said that if I wanted to keep them I would have to open both accounts up again. I refused to do that as I did n't want another hard pull to my credit. I am now in fear that this will affect my credit in a negative way. This company had impacted my credit score in a negative way and it was not my fault at all.

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 2015-06-17 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: The Affiliated Group, Inc
State: CA

Complaint narrative:
This company has failed to send a written notice of the debt. They have contacted me several times and I have made them aware that I have n't received said letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief