vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
Checking Account reopened when I closed my account in person with a positive balance I closed my account in person at the XXXX, GA Branch with a positive balance in XX/XX/XXXX. I just moved and tried to open a new account only to see that Regions has reported by account as overdrawn by {$170.00} and reported my account to XXXX in XX/XX/XXXX. I had filed numerous complaints against Regions bank using XXXX. The latest was complaint XXXX. The business provided false documentations about me stating that I never requested my account be close. Here is my response " I received a response from a Branch Manager of a Branch I have never used before. I requested a response from Corporate Resolution, not a Branch Manager. In the response, the Branch Manager provided false information pertaining to my account and about when I closed my account. I will upload their response, so their response will be public record with XXXX on how they manipulate data to fit their agenda. No rebuttal is required from business regarding this XXXX complaint, as I have filed a investigation with the FDIC and XXXX. In addition, since I filed Chapter XXXX in XXXX, Regions is in violation of my bankruptcy rights by filing a false claim with XXXX. '' Instead of Regions Corporate further looking into the complaint, they sent my account to collections. This account was closed with a positive balance with no transactions going through it in XX/XX/XXXX. I did this at their XXXX, GA Branch. They kept my account open without my consent or permission. regions refuses to show me the branch records that will indicate that I went into the branch to close the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: AFNI INC.
State: TX

Complaint narrative:
My mother took out a loan in my name and then left the payments to lapse onto me. My credit score is less than XXXX now and I have been informed that charges are going to be filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST
State: NM

Complaint narrative:
I received the attached Addendum to the Deposit Account Disclosure in my most recent checking account statement from Bank of the West ( BoW ). In the attachment I have highlighted the section that I find most troubling. In my own words, BoW is unilaterally declaring that even if a funds transfer is approved, they can for no reason at all choose to ignore it and not process it. Further they make the claim that they will attempt to contact me but will not make any guarantee of doing so. Finally, when they choose to ignore or not process a transfer, they are in no way liable to myself or any third party. Assuming I maintain my account, this unilateral position goes into effect on XX/XX/2017, by default. In my estimation this is totally one-sided and contradicts any understanding of the bank performing its understood contractual duties and responsibilities.

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 2015-09-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
Business & Professional ServicesXXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX {$65.00} # XXXX XXXX {$29.00} # XXXX XXXXXXXX XXXX I have attempted to have the above Collection Company ( CC ) , Business & Professional Services verify the XXXX above accounts they were reporting to the XXXX ( CRA ) , Credit Reporting Agencies XXXX , XXXX and XXXX, as being mine. Since the CC was NOT able to validate the XXXX debts within the XXXX days allotted, XXXX and XXXX DELETED them. CC continuously fails and is ignoring my requests to produce documentation from XXXX and XXXX, that I received services, what the services were and that they are authorized to collect on their behalf. This is despite the approximately XXXX requests to the CC and the CRA, XXXX, to investigate. based on lack of verification, they still continue to report these XXXX accounts. Because they are so small, I almost wanted to just pay to delete, but decide that this CC has to follow the laws like the others. I have asked the CC for their documentation from the original businesses ( XXXX XXXX XXXX ), that I received services and what services and to prove that they were assigned to collect on their behalf, from me. All the CC did was send a letter stating ; the accounts were mine. That is NOT adequate proof and they know that. I am listing the dates below of who I have either called, emailed or written in regards to these accounts. I would also like to find out how to pursue damages from either parties for violating The Fair Credit Reporting Act. 
XX/XX/XXXX filed dispute with XXXX-no responseXXXX/XXXX/XXXX emailed CC-no responseXXXX/XXXX/XXXX offered to pay reduced amount for deletion, just to get rid of-no responseXXXX/XXXX/XXXX CC sent me a letter stating that accounts " are valid ''. 
XX/XX/XXXX filed complaintXXXX/XXXX/XXXX complaint closed before I could verify CC addressXXXX/XXXX/XXXX emailed CC to verify acct-no responseXXXX/XXXX/XXXX offered 70 % off payment to delete-no responseXXXX/XXXX/XXXX wrote dispute letter to XXXX showing copies of deletion from XXXX and XXXX-says they do n't base their findings off of other CRA findings-I thought they were suppose to share info. 
XX/XX/XXXX file new complaintPlease help me!! 
They need to produce documentation from XXXX and XXXX that I received services and that they are authorized to collect on their behalf. 
THANK YOU!!

Company response to consumer: Closed
Consumer complaint received 2016-05-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
A collection agency keeps reporting a collection account on my credit report which does not belong to 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 2016-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: ID

Complaint narrative:
Shortly after purchasing my home I received a call from the National Bi Weekly Loan Association. They explained to me that they worked with my home loan company to break my payments up if I chose to do so. Not knowing that I was going to be charged for this service I agreed to break my payment up in hopes of paying my loan off faster like they had explained I would. The representative never once told me of any fees whatsoever. He worded things so that I thought they worked directly with Idaho Housing And Finance. I tried contacting the company in XXXX when my payment did n't go thru but never could get ahold of any representatives. The automated system just told me that they were experiencing high call volumes and to try back later. I did some XXXX searching to try and figure out what was going on and that 's when I came across reviews from people and realized I had been getting charged for this bi-weekly setup. I still have not been able to get ahold of this company to figure out how much I have been charged over the 4+ years that I made payments through them. Not only did they use sneaky habits to confuse me and fail to tell me about any fees, but they failed to hold up their end of the deal by helping me pay my loan down faster. I 'm under the impression that they have cost me much much more than I have saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: NY

Complaint narrative:
The Collection Company : AFNIXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXXTelephone : XXXX calling and sending collection bills to my house for a debt they said I owe to XXXX They are collecting {$4400.00}. 
I do not owe any money to XXXX XXXX XXXX, I have never had business with XXXX XXXX XXXX, and I want that AFNI company to stop their attends for collection. 
I recently returned a bill to AFNI and told then that I do not owe money to XXXX XXXX XXXX, and to fix the delinquency report they submitted to the Credit Report Companies ( XXXX ). 

The situation is that around XXXX 2013, someone made business with XXXX XXXX XXXX and probably under my name. Then around XXXX 2013 a debt collector made a delinquency report to the Credit Report Companies ( XXXX, etc ). I called the collector company and told that I do not owe any money to XXXX XXXX XXXX and I have never done business with then. 
I requested then to undo the delinquency report. But they kept the collection account and then transferred to another Collector Company which is this XXXX AFNI. 
See attached last bill for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 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 have letter from r egion bank stating that i will receive a check. I called again to see how long the Check will take. Now i was told 7 to 10 days. Ok after the 7 days was up i called again. 
Now they say. My account was not effected. I 'm just trying to see it was or wasnt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF THE WEST
State: NV

Complaint narrative:
There a XXXX fraudulent credit cards that were opened and used without my knowledge over the past few years. I 've filed this report with you people numerous times and you have done nothing. This case is being investigated by the FBI, letter attached. 
I have written numerous letters, made numerous calls, the Private Investigator assigned to not only mine but others in this matter have also exhausted their effortsI keep receiving letters from Bank of The West that they have turned the account to charge off. This is not my debt and they have not once called the FBI to confirmed as other creditors have that have released the debt. 
I have been harassed by a man at Bank of The west by the name of XXXX ( XXXX ) XXXX and he flat out told me I was a thief and this was my debt. 
Bank of the West has been very rude and called me a thief even. How does a consumer that has been issued an FBI 's victims number and pin, l having to register on the FBI 's Victims sight get treated this way????? I want you XXXX the CFPB do FINALLY DO SOMETHINE ABOUT THIS HARRASSMENT. FBI VICTIMS LETTER ATTACHED ALL THREE SHOWING THE CASE IS STILL UNDERACTIVE INVESTIGATION AS THEY HAVE PINPOINTED AT LEAST XXXX VICTIMS. 
THE PROBLEM IS YOU THE CFPB HAVE TAKEN THEIR SIDE AS WELL AND NOT FORCED THEM TO CALL THE FBI TO VERIFY THIS CRIME. THE CARD COMPANIES THAT HAVE RELEASED ME FROM THE DEBT DUE TO FRAUD CALLED THE FBI AN VERIFIED. BANK OF THE WEST SAYS THEY DO NOT HAVE TO. I AM VERY DISSAPPOINTED IN THE CFPB AT THIS TIME AS WELL AS YOU ARE NOT PROTECTING INNOCENT VICTIMS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 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: NC

Complaint narrative:
An agreement was made with the company the matter has been taking care of and the account is closed im no longer liable for the account however its still showing up on XXXX and XXXX as open and negative. XXXX is the only one that updated the account correctly and closed it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I have collections on my credit report that are not valid. These are account that have been charged off. The accounts are 4, 5, 6 years old. This counts as XXXX derogatory marks on my credit report. I want them removed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have XXXX car loans through Automobile Acceptance.I am still paying for the Azera. But the loan for the Town and Country was almost paid in full when I needed the repairs done.I had paid the car loan down to approx {$600.00} and the car would be completely paid for.I had repairs done on my car in XX/XX/XXXX-XX/XX/XXXX. The cost was approx {$800.00}. I had the work done at XXXX. The vehicle loan is through Automobile Acceptance and XXXX works with them. You make your car payments, car repair bill, etc to them. 
I was told by AutoTune that I am to pay {$140.00} per month and there was no mention of interest on the repair bill. It should also be noted that this is the second time I have my car repaired and paid to Automobile Acceptance and there was n't any interest charged. The gentleman at XXXX never said anything about interest charged on the repair bill. Like I said this is the second time I have had my car repaired this way. 
After steadily getting all the calls regarding the repair bill I told them that my repair bill should be paid for by now. When I looked at the bill I saw that interest was being charged to the repair bill. 
When I went to them they combined the repair bill with the rest of the balance owed on the car. That 's when I discovered that I was being charged interest on the repair bill. 
I am submitting the payment history and a copy of the contract. 
Please help. I am on XXXX and my husband is the sole bread winner as I ca n't work. So our money is limited and we count every dime. It 's not fair that I am being charged interest on a repair bill. 
I am getting phone call after phone call regarding my payment for the repairs. I get calls XXXX-XXXX times per day. I informed the company that my bill is to be paid once per month. 
When I started paying I would pay every other Friday, to get the loan down, and I figured it was a good way to pay since I had to pay for the Azera and the Town and Country. 
Please look into this matter and help me please. Thank you in advanceXXXX XXXX XXXX XXXX XXXXThis will be the XXXX car loan I 've had with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was sent a solicitation from Chase Cardmember Services to apply for a Mileage Plus VISA in XXXX 2015. The solicitation offered a XXXX mile {$0.00} fee first year and some additional inducements to apply and make charges of {$3000.00} within first 3 months. I applied via the website and was approved shortly thereafter. 

When I called to activate the card, I reviewed the offer and found they bait and switched me to a XXXX mile with {$1000.00} in first 3 months offer. I said, no, I responded, landed on page and applied under the XXXX mile offer which they initiated. The agent I spoke to said " I will put you in for the offer, must have been a mistake '' Now, I receive a letter which said the " offer '' ended XXXX XXXX, 2015. This is a classic and habitual bait and switch. Probably hope that no one would complain but I 've been in this situation before. How could their " XXXX offer '' which I received and sent end on XXXX XXXX, 2015? Why did they not notify, sorry this is not accurate when applying. I demand they honor their initial offer, this is very shady practices and should be noted as a possible habitual offense. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had an overdraft protection account with my bank, and they were withdrawing automatically from my account. When my financial situation changed, and my credit score took a hit, the bank decided to close my account, and not give me access to the protection of overdraft. Even though, they were still withdrawing payment. Once they closed account, they did not alerted me that automatic payment would stop on the balance of the account and the account was delinquent. They reported me to credit bureaus and after I asked and wrote to them, without a response to remove the information as I had continued to pay once I had pulled my credit report.

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 2015-09-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
Once again Arvest mortgage aka central mortgage once again has tried to downplay the seriousness of my formal complaint and its attempting to deflect the seriousness of their misconduct and playing games and deceiving the Federal Government. I filed a complaint please see attached documents with cfpb. They have lied to you saying that they do not have the proper documents and paperwork which is a lie. I filed a complaint on XX/XX/2015. Case number XXXX I called you and told me to fill out another complaint wich I have case number XXXX. Please understand that they broke into my home change locks damage my front door and had several personal things stolen by there company and affiliates. Imagen and if you could put your self in my shoes. Another Lie is that they say Central mortgage is not a bank but it 's own by Arvest Bank. So they tell me that they do not have to follow Banking Laws. The thing is that what XXXX did with a gun this company doing with a pen. I thank you in advance XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Oracle Financial Group LLC.
State: FL

Complaint narrative:
Hello This is a copy of the message that was left on my business, I called this morning around XXXX and left a message letting him know this was my business line and to cease and assist all communications on this number. They have called before on this number and left messages but cant retrieve that information sorry.Received another call on my job phone @ XXXX from the Oracle Group XXXX he refused to give me his name he said he was necessary to verify my employment to serve me at my job, I reminded him this was my work phone and he said he knows but he needs to serve me at work, he called through our switchboard which comes through with the caller ID unknown, he went on about taking me to court so I disconnected the call.

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 2015-03-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My bank account was hijacked, my bank for my protection closed my account and card and send me new one. So my bank check my account and dispute XXXX transactions who was payment of my credit card. I contact my credit to make my regular payment and they told me that my account was closed due to payment issue so I made a payment right away and was told that my account will be reopen in fees days later. But nothing happen I send prove of account compromise letter send by my bank and follow up with credit card company who told me that the letter was never received this letter was send XXXX times and I just received a letter to the credit card companies who told me that I was too late and my account was send to collection. They just try to used they power to get more money on me after be a customer form more than 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
Real Time Solutions reported on our credit that we were in default of a loan from XXXX 2012 in the amount of {$45000.00}. We have never done business with this company ; we have never received any type of correspondence nor have they ever tried to contact us. This is an erroneous report on our credit from a company we have never even heard about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Continental Finance Company, LLC
State: MA

Complaint narrative:
Harassing collections practices. They 're contacting family members and someone claiming to be a locator is stating that they will come to my house to collect and my place of employment. I 've expressed my desire that all collection attempts be handled via mail and in writing and they 've refused.

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 2015-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was contacted by this creditor regarding a debt from 2003. I notified in writing this debt is too old to be sued for and I asked not to be contact regarding this debt. 
I was than contacted again by mail, which advise me to call. I explained to the creditor XXXX that they are past the statue of limitations to collect on this debt, and she advised me that they can sue, then she said they cant, then she stated that they would keep me in collections. I than contacted your office, and I an now submitting a complaint.

Company response to consumer: Closed with non-monetary relief