vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: GA

Complaint narrative:
Central Mortgage Company charged a late fee that should not have been charged. 
They have done this several times on my online bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: QC HOLDINGS INC
State: WA

Complaint narrative:
After telling them I owed other agencies mainly the State of Washington money and that they would have to wait. They continued to call me at least once if not three times a day looking to set up payments. All while denying that I had talked with anyone about my situation. They continually harass my family members and some how found out my new work number in a different city across the state and has started to contact me here putting my job in jepordy and tarnishing my professional reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: AFNI INC.
State: FL

Complaint narrative:
The collection agency named AFNI Inc. does not have a license in the State of Florida to collect any debt. Their continued attempts to communicate with me through phone calls and letters have annoyed me to the point where a formal complaint about this matter Is being filed. This company is not listed on the State of Florida Office of Regulation website ( XXXX ) as being able to conduct business in the State of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 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:
I had a XXXX on XXXX XXXX 2011. I was put in an XXXX for 7 days and received excellent care. 

Well, the bills start rolling in. I get a XXXX dollar bill from the hospital, and almost have another XXXX XXXX ( XXXX XXXX ). Because being retired military I thought I was covered. I went to my XXXX office and they laughed ... and so did I after they told me what my responsibility was. 
I then paid my deductibles in full ... thinking that my financial responsibility was fulfilled. Then, after the XXXX I personally hired a credit agency to monitor my credit, and I received a notice that a collection was filed against me by the XXXX XXXX XXXX XXXX XXXX XXXX that was being collected by Business Professionals ( BP ) XXXX 

After contacting BP XXXX I found out that the original billing company did n't have my insurance information and they said the original creditor ( XXXX ) did n't have access to my information in time to file a claim due to HIPA laws. But my insurance XXXX XXXX XXXX says that my only responsibility is to provide my information to the XXXX hospital, and it is the billing agency 's responsibility to garner that information from the hospital. After I came home from the hospital, I made my insurance information readily available to anyone who contacted me, and I paid my co-pays in a responsible manner. 
Now, the collection agency is telling me that I am responsible for the entire bill, even though the agency that supposedly is billing me has no record of my care, account, or even billing me at all. I feel this is unfair and borderline corrupt. If the original agency can not even reproduce an account or bill that they sent me, how can I tell if this an actual debt?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Nationwide Biweekly Administration, Inc.
State: CA

Complaint narrative:
I was enrolled in the Nationwide Biweekly mortgage plan from XXXX to XXXX. Because of the disruption in payments due to their closure, it has left me paying enormous fees to my lender, XXXX Bank. I also had to pay a set up fee and other fees to Nationwide on a regular basis. I wish to be compensated for the fees leveed by this company and the so-called promises of paying off my mortgage early.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I established a line of credit for overdraft protection on my checking account in XXXX. Regions Bank took over the original bank where this was established. When I signed for this protection I was not married. I was married in XXXX and my wife was on my checking account till I closed the account in XXXX. Somehow Regions Bank attached my now ex wife 's name to this account. I have asked for proof where she signed on the line of credit. They said the loan was too old and they could not provide any documents to support her signature or even a copy of the original loan. Some where along the way Regions Bank has changed the original to satisfy what they have allowed to happen. When my ex wife borrowed the money in XXXX XXXX, they told her that this was an overdraft protection and did not reveal to her my name was attached. Regions bank should be held accountable for what I think are illegal actions. 

.

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 2016-07-22 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:
I called XXXX to ask why there is a collection of {$290.00}. I 've had an account with them for years and never owed them. I called to request XXXX service for television Only to be told after signing up that it is not offered in my area. I never received equipment. But I notice whenever I called on my telephone service I was ask by an electronic voice " Is it about my XXXX account? '' No because I could n't have a service that was not offered in my area. This is from year 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 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: AL

Complaint narrative:
THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
The issue that I would like to bring to the attention of the CFPB is that Regions processes ACH drafts before the designated date specified on the draft. It has happened a number of times on my accounts at Regions causing overdraft fees throughout the life of my accounts there. When I question the reps in the call center about the issue, they can not explain why to me. 

Example 1 : Mortgages payments set to come out on XX/XX/XXXX. Draft was processed on XX/XX/XXXX. 
Example 2 : Most every week, I have a draft for {$200.00} for a daycare payment set to come out on Monday. It always comes out on Saturday mornings. 

I have learned what Regions does so I try to be prepared early for the drafts but this practice should not be acceptable for organizations such as Regions. 

Also, if you have a draft that is set to be deposited and it falls on a weekend, then you have to wait for the following business day for that to be deposited but they process the ACH drafts the opposite way and make it where it drafts on the last business day.

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 2016-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
ANFI, a third party debt collector has placed an account for collection on my credit report. They claim that the original creditor was XXXX XXXX XXXX. The amount of the debt is reported to be {$550.00}. I have contacted them but have yet to be given any record of where the debt is coming from. I am and have been a customer of XXXX XXXX XXXX since about 2003 and to my knowledge do not owe them for any outstanding balance. I would like to receive a copy of an invoice, statement or bill showing me as the original debtor and some indication as to what the bill was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I sent a {$17000.00} wire transfer on XXXX XXXX. It is an international wire going to XXXX bank in XXXX, XXXX receiver 's name XXXX XXXX. I am attaching copies of he wire transfer. The funds never reached it 's destination and my bank has n't been doing enough to trace or recall and find our where my money is floating around to. Please, if anyone can help let me hear back. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST
State: VA

Complaint narrative:
I had an account with Bank of the West a few years ago. There security fraud department contacted me because they seen a computer system from XXXX trying to access my account. They stated that I had a mobile banking set up on my account and I did not. The security/fraud department contacted me four different times. They allow a payment to post to my account and then it was return as fraud and it caused my account to overdraft. They billed my account and closed my account after I told them I did not have mobile banking and they allowed the transaction to complete. The amount was around XXXX and this had negatively impacted my credit. I was billed for a security problem in there system and it 's not right that this was allowed to happen 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 2016-04-23 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:
XXXX continues to send me a collection notice 3 times after I told them that I never had XXXX sytem @ my home or owe them NOT XXXX BROWN PENNEY.They refuse to stop their tactics and continue to send collection notices after I told them 5 times not too!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
Consumer ID # XXXX This complaint is with a dispute filed with Early Warning Systems. They failed to have the company XXXX provide information used to validate the charge. XXXX reported to EWS that on XXXX/XXXX/15 I transacted or attempted to transact with an account in an unauthorized or prohibited manner. I am asking that XXXX or EWS provide the information used to validate this investigation. No information from the investigation was provided upon request. Further more they have inaccurate information in the file as far as address and phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 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: OH

Complaint narrative:
I have written XXXX certified letters to this Debt Collector challenging the accuracy of debt attributed to me. I have never had an account with XXXX XXXX XXXX. I asked to send me documents to back up their claim. Nothing is forthcoming but the debt collector continues to report this to XXXX and I believe XXXX. There was a problem with identity theft when I was in XXXX from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: FINANCIAL MANAGEMENT  SOLUTIONS (NY)
State: NM

Complaint narrative:
Received several phone calls from phone number XXXX stating that I needed to " cooperate with '' the company by paying {$200.00} of the {$400.00} debt. Then, my social security direct deposit information was changed online. They requested that my payment be deposited to XXXX XXXX card. A fraud alert has been set with social security, but the payment to the XXXX XXXX card was never recovered by social security.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 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: FL

Complaint narrative:
I never received any documentation about this debt send to collection by the previous company. I request this to be removed due to improper communication to give me time to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear sirs, I am following up to my case # XXXX, please refer to those documents. The only update and help I need relates to the letter sent by Regions Bank as a response to the CFPB and myself. On that letter which is included in the case file, is dated XXXX/XXXX/14, in which they apologize for the error and would be requesting all credit agencies to remove the charge off entry and replace with paid off, when I refinanced my home loan. Unfortunately, upon recent updated af another bank loan, my credit report still had the entry as charge off, not paid off as they reported to have done, copy included. I tried calling Regions again today with little help on the topic. I would like your assistance with resolving this issue and would like to know what ramifications Regions bank will have for not fixing this problem, which continues to lower my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was in the process of obtaining a home at Regions Mortgage in XXXX XXXX, FL and met with the loan officer and discussed the terms of the loan and process. The only thing I was beyond bothered by is that they are n't a paperless enviroment and noticed while waiting that every document is in a folder and was able to notice that the cabinets were n't locked and had all my information out there. I 've asked the loan officer about this and he told me Regions is n't a paperless enviroment once loan is created XXXX folders are created XXXX for loan officer and office to reain, XXXX for processor and another for underwriter, if in that sales office they did n't have the information locked I begin to wonder how confidential my information really is if it goes to XXXX other people and locations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 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: IL

Complaint narrative:
I have asked AFNI Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN

Complaint narrative:
I have been sued and currently have a judgement filed against me for a debt that I know nothing about for a whopping {$2000.00}. I would be fully aware of owing such a large debt. Clearly as far as I am concerned there is a huge error somewhere and I would be a complete fool to agree to a debt that I know absolutely nothing about. I have disputed this judgement that showed up on my credit report reflecting a filing date for 2012. The judgement fell off my report without a problem because no original documentation could be provided proving that I owed the debt. A few weeks later I received a return letter in the mail seeking to garnish my wages from the same company. I went to file a motion of installment to protect myself and to stop the garnishment from moving forward. I work very hard to provide for my family and I am going to protect myself as well as my family with everything that I got. It is clear that unfair practices and fenaglining of legal documentation by this agency has taken place as evidenced by a spa being listed as the plaintiff on legal documentation that I have retrieved. Clearly this is abuse, deceptive, and unfair in reference to The Fair Reporting Act. Agencies like this, in my opinion should be put out of business immediately. I do not take playing with my livihood lightly and I earn every penny that I make for my family and will not be victim to unfair practices. This needs to be resolved immediately. My next step is the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
To whom this may concern, This is a follow up to my previous letter sent on XX/XX/2016 that has not received a response. 

I have become suspicious that there is incorrect and outdating information on my Early Warning Services file as a result of identity theft. 

Please provide me with digital copies of my report and further be advised that I have been living outside the country for the past 3 years and have not used a US bank account. I believe my identity may have been stolen by an opportunistic individual with access to my information and knowledge that I am outside of the US. Therefore, I also submit a formal dispute to delete all records submitted to my file within the past 3 years as they are most certainly the result of identity theft. 

I have attached the necessary information to verify my identity. 

Sincerely Yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 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: TX

Complaint narrative:
I contacted Afni Inc. account number XXXX on XX/XX/2017 and spoke with a lady letting her know I had received a bill to settle. I explained to her that I was moving out of state and had already quit my job and I would pay as soon as I could. I was told if I put {$100.00} down I could secure the settlement of {$670.00} then could pay the rest when I get a job. When I called today XX/XX/2017 I wanted to pay the {$100.00} and let them know I could pay rest when I get a job. I got a new gentlemen on the phone he would not look back at the old conversations and kept telling me I had to pay by XX/XX/2017. I told him over and over again I was unable to commit to balance by that day cause I do n't have a job yet. He was really nasty and just kept saying if not taken care of by that date he could not help me.

Company response to consumer: Closed with explanation