vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-15 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: NE

Complaint narrative:
I signed up for a 30 day trial period with XXXX XXXX. I cancelled the service within the allotted 30 days and was told it was cancelled but kept receiving emails and bills in the mail that I had to pay them. I returned the equipment via XXXX label provided by them to the address of XXXX XXXX XXXX XXXX ; XXXX CO XXXX. But the package was lost. I submitted a lost package claim to XXXX who sent a check to XXXX in the amount of {$100.00} backy in XXXX 2014. I 'm now getting collection notices from AFNI ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX IL XXXX. I called the company on XXXX XXXX to tell them that I do not owe a balance but they are telling me that XXXX XXXX paid XXXX because I bundled. I called XXXX and they are not showing any duplicate payments in 2014 made from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: EOS Holdings, Inc.
State: OH

Complaint narrative:
This is a debt that I paid for cable service years ago when I turned in my equipment. This company placed this on my credit report before they even mailed me a letter so that I could dispute it. I checked my credit report the day that I received the letter from EOS CCA and it was already on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have a first mortgage with Regions ( payoff {$10000.00} ) and a second with XXXX ( payoff {$9000.00} ). We received property damage XXXX/XXXX/16 from flooding in XXXX XXXX, La. Our insurance check is in the amount of {$230000.00}. I am trying to get XXXX to endorse the check so I can send it to Regions. I want to pay off both mortgages. Check was sent to XXXX via XXXX on Thursday and was signed for at XXXX in XXXX at XXXX on Friday. They advised they have 2 business days to process and return check. It is now Wednesday and they have not sent my check back to me. Even after NUMEROUS conversations with them that we are PAYING OFF REGIONS AND XXXX they still requested " monitoring procedures '' from Regions which has held the processing of the endorsement up. We are nearly 10 weeks post flood and I NEED to get my check so I can start paying people who are working on my house. We still have a 10 day hold to deal with at Regions AFTER they actually receive the check! I keep getting the run around from XXXX and am sick of it. Please advise what I can do. Help. Please!

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 2015-08-11 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF THE WEST
State: CA

Complaint narrative:
My ex husband purchased a boat, but it was done as a joint loan acount in XXXX when we were still married. We divorced in XXXX and divorce papers stipulate ex husband was keeping the boat and the loan attached to it. I moved and had no possession of or contact with the boat again. However, his credit was not good enough and he was unable to ever refinance it into his name and remove my name from the loan. He then stopped paying on the boat loan with Bank of the West and had the boat repossessed by them. They sold the boat to someone else but at a loss over how much the exhusband still owed. They then listed the amount of their loss on my credit report as a derogatory account and amount still owed them. The ex husband then filed bankruptcy and had it removed/discharged from his record. However, they then sent ME to collections for their lost money ( over a boat I never had ). 

The collections information is below, XXXX from Bank of the West. I received a letter from XXXX and I sent them in copies of my divorce papers showing the debt did not belong to me, requesting it get removed. However it has remained on my credit report. Initially it was {$18000.00}. A few months ago they increased it to {$23000.00}, not sure why. I do not believe in bankruptcy and do not want a bankruptcy on my record. I do not want to have to file bankruptcy over a collection item that clearly does not belong to me.They repossessed the boat and got their property back. They discharged the debt in court when the Ex filed bankruptcy on it. There is absolutely no reason their " loss '' should still be causing me credit problems XXXX years later. 

XXXX XXXXBANK OF THE WESTXXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXX Agency XXXX XXXXOriginal Creditor BANK OF THE WESTStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility Individual Account. 
Balance $ XXXX Balance $ XXXX Consumer disputes this account information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: MD

Complaint narrative:
Sometimes in XXXX XXXX, I have enrolled a XXXX party named National Biweekly Administration ( NBA ) for biweekly payment. The person who contacted me for this promotion was as follows : XXXX XXXXEnrollment SpecialistNationwide Biweekly Administration, Inc. 
855 Lower Bellbrook RdXenia, OH XXXX XXXX XXXX faxOn XXXX XXXX, XXXX National Bi Weekly Administration ( NBA ) sent me an email saying that '' Unfortunately, we write today to inform you that due to the loss of NBA 's banking relationships, your account will be TEMPORARILY deactivated effectively immediately .... This is not your fault, and we are working hard to resolve this situation as soon as possible. The most important things that you need to know are that:1. If we debited your account sufficiently in XXXX, NBA will make your next payment due XXXX XXXX, XXXX ; 2. We will NOT be debiting your account in XXXX. 
3. YOU will need to make your next FULL LOAN PAYMENT due XXXX XXXX, XXXX directly to your lender yourself ; and4. If there are any funds remaining in trust after NBA makes your XXXX XXXX, XXXX payment, they will be promptly returned to you. " However, the NBA did not offer reimbursement of all the fees that they have charged me so far for this service. My problem is I was left with the obligation to set up a bank payment and make the payment directly. I called NBA customer service but they do not respond and no live customer service representative is there to take my call. I am requesting a prorated refund of the setup fee paid them including the service charge applied to the last refunded withdraw. Also written confirmation that the account is cancelled and not just suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 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:
This debt has been disputed and it was found that original collection company did not have sufficient information to validate debt so item was removed from my credit file. However, they sold it to another agency, XXXX and if is now reporting again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST
State: KS

Complaint narrative:
I was under the impression that I could open up a checking account with Bank of the West, especially considering they are a local branch with XXXX locations in my very city. I think its ridiculous that they do all these advertising and then deny someone with XXXX credit score. I should be granted this checking account so I can set up direct deposit through my employer and use this account for everyday use. Why would you push away a local person to bank with you? This was false advertising for 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 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: AFNI INC.
State: GA

Complaint narrative:
This account was paid and closed and Is showing collection on my credit report. I was told by the collection agency that this would be removed. I want this account removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: TX

Complaint narrative:
This account is not mine. Its been removed from credit reports and reinsert back to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: EOS Holdings, Inc.

Complaint narrative:
I am requesting the XXXX % Formula to begin Rehabilitating my Student Loans. 
My Servicer EOS-CCA is not following the U.S. Department of Education Guidelines for determining my monthly payment. 
They are saying I have to take my Gross Income, rather than AGI, which is not correct. 
The XXXX % Formula clearly states : XXXX % of difference between Adjusted Gross Income ( AGI ) - XXXX % of Poverty Level for Family Size of XXXX ( my family size ). 
XXXX & ( XXXX estimated ) AGI = XXXX ( I provided XXXX IRS Form XXXX & XXXX Form XXXX ). 
XXXX Poverty Level Family of XXXX = XXXX ( www.federalregister.gov ) @ XXXX % = {$17000.00} Difference = - {$870.00} Minimum Payment = {$5.00} / mo. 
I have the right to Rehabilitate my Student Loan using the Department of Education XXXX % Formula and they are not following the law. 
Please advise what I can do to get my Loan Rehabilitation started when the Servicer ( EOS-CCA ) is not playing by the rules. 
Is there a CFPB, U.S. Department of Education email or contact that I can complain to or override the Servicer?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC.
State: CA

Complaint narrative:
I pulled my credit report and I have several fraudulent accounts. Please help me! Thanks so much

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
This submission relates to previous complaint against Regions Bank regarding excessive overdraft charges with number XXXX and to the finding by CFPB earlier this year that Regions Bank was in violation of Federal Law or Laws in their actions regarding excessive overdraft charges. Other than a refund of a single {$36.00} overdraft charge which I received XX/XX/XXXX ( if remembering correctly on date ), I have not received any thing from Regions Bank in terms of refund or acknowledgement of my valid concerns. In ( or around ) XX/XX/XXXX I began to receive daily/regular collection calls from Regions Bank. At ( or near ) the same time I also began to receive some other type of alternative collection call which came from different numbers with different area codes delivering messages from people using different ( more than likely fake ) names saying things like they are from the fraud division and my checking account is on their list and my case would be downloaded to my county for further litigation. Both types of calls ended in approximately XX/XX/XXXX and I strongly feel they are tied together. During my nearly 17 years as a Regions Bank customer I was a victim of identity theft more than once between the years of XX/XX/XXXX and XX/XX/XXXX by professional criminals with obvious banking industry knowledge and experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
The charge commonwealth financial has been calling me incessantly everyday at all hours of the day and have sent a letter trying to collect a nonexistent debt. They have sent a report to the credit bureau. The charge first came into the credit bureau by them XX/XX/XXXX. No time before has this ever been on my credit record. They are claiming a hospital stay in XX/XX/XXXX was not paid and that the hospital has not been able to collect. The hospital has not ever sent me a bill in that quantity. I was insured at that time by united health care and they covered my bill at that time. This is the first time I see this charge. They claim to have bought this " debt '' from a company called 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 2015-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
XXXX Service continues to call trying to collect a debt " allegedly '' owed by someone I do not know. I have repeatedly told the collection company I do not know the person they are looking for for and to remove my phone number from their list. As of today I received another call. BTW ( I have had this phone number for over 19 years ) and I am on the do not call list

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF THE WEST
State: CO

Complaint narrative:
I was quickly and thoroughly pre-approved for a 15 year mortgage on a used RV. Once I identified the RV, I submitted all information requested to complete the loan. Since then, I 've had zero communication from them despite repeated email and phone messages. As a result, I lost the RV I was pursuing and the deposit ( $ ) I placed on it. I have XXXX credit and was pre-approved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This company placed a debt from XXXX on my Credit Report on or around XXXX. The only way I knew it was placed there was through monitoring of my credit report. No mailings or phone calls were sent or received at all! I immediately phoned them to tell them that this was a XXXX claim involving an Attorney. I provided the name and number of the Attorney and requested the accounts be removed from all XXXX ( 3 ) credit reporting agencies immediately! It is now XXXX/XXXX/XXXX and they still have not removed XXXX of the accounts - XXXX. In calling this morning, XXXX/XXXX/XXXX, I was given to a Supervisor, XXXX. He was rude, and told me that they did n't have to remove anything. I asked XXXX who they report to, and he advised " No one! '' I asked to be transferred to someone else, so he transferred me to an empty line which hung up on me. In calling back, I asked to speak with a Supervisor, other than XXXX, so XXXX XXXX answered the phone. He advised that he was the General Manager and would process a XXXX form to the credit bureaus and send a copy to my email. I advised him that I 've been told before by his company that this would be taken care of and it still has not! I advised XXXX XXXX that this company is hindering me from moving forward, as my credit report is marked with something that is NOT my responsibility and legally can not and should not have been placed on my report. This needs to stop immediately! There are consumers out there that should be protected from companies such as this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
commonwealth finance and XXXX is keep opening old account that is expired and all ways attacking my credit report over expire accounts and same account repeated tell information too XXXX party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
Ray Klein Inc., XXXX Professional Credit Service of XXXX, OR. sent a writ of garnishment to a company I do business with that has no connection to the debt they claim I owe. I believe it was in retaliation for a contentious call I had with a Ray Klein Inc. employee and was done deliberately and with the intent to embarrass me. I have copies of the writ that was sent to XXXX in XXXX Ohio. XXXX is not my bank, nor are they involved in this matter at all, nor have they ever been. Ray Klein Inc. just picked a name off of my personal credit report and sent a third ( uninvolved party ) embarrassing personal details about this dispute including my social security number. 
I am not even sure that the debt that they are harassing me about is even valid. I was never served for this judgement they claim to have, nor was I notified by mail certified or other, but it sure shows up on my credit report. I think this company has engaged in illegal collection practices and I want them penalized for it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Ray Klein, Inc.
State: MI

Complaint narrative:
This company has called me XXXX 's. Last 2 dates I documented as follows : XX/XX/XXXX & XX/XX/XXXX. Name of company : Professional Credit Service Ph : XXXX. XXXX time they called REFUSED to give a name of the agent who called. Very rude, mean, harrassing me! Threatening in nature over phone saying that " I 'd " better cooperate " or else '' when I 'd ask " or else what? '' all I was told was exactly " I better know what was good for me! '' Really, I was too stunned & floored! I was hounded for confirmation of my complete address, birthdate, birthplace, mothers maiden name, fathers name, SS #, place of employment -I 've been XXXX since XX/XX/XXXX & have n't had a paycheck since & have n't drawn SSD until XX/XX/XXXX, if this was a " legit '' bill collection agency would n't they have ALL this info already & how do I know they are not trying to scam me? I 'm from Missouri, so as the saying goes, " SHOW ME ''! I REFUSED TO PROVIDE ANY INFO BECAUSE THEY REFUSED TO BE FORTHCOMING WITH ANY INFORMATION AT ALL! I HAD NO IDEA WHO THEY WERE, WHY THEY WERE CALLING OR FOR WHAT PURPOSE WHATSOEVER! I HAD NOTHING TO GO BY! WHY SHOULD I JUST " WILLINGLY " HAND OVER ANY & ALL MY PERSONAL & PRIVATE INFORMATION SO THEY COULD COMMIT INDENTITY THEFT? NOTHING DOING! I INFORMED THEM THIS CELLULAR PHONE NUMBER THEY WERE CALLING HAS BEEN REGISTERED ON THE NATIONAL NO NOT CALL REGISTRY SINCE XX/XX/XXXX NON STOP AND THAT SINCE XX/XX/XXXX IT 'S BEEN AMENDED THAT ALL SALES TELEMARKETING AGENTS AND COMPANIES, ROBOCALLS, BILL COLLECTION AGENCIES ARE FORBIDDEN TO CALL UNLESS THEY HAVE OBTAINED EXPRESS WRITTEN PERMISSION BY ME TO DO SO AND THAT ANY PRIOR WRITTEN OR VERBAL AGREEMENT BY ME IN THE PAST PER THE XX/XX/XXXX LEGAL LAW AMMENDMENT PASSED BY THE TCPA & FCC & FTC I MAY REVOKE AT A MOMENTS NOTICE IF I FEEL I 'M BEING G UNFAIRLY HARRASSED & I NOTIFIED THEM PRIOR TO & THEN AGAIN XX/XX/XXXX & XX/XX/XXXX THEY DO NOT HAVE PERMISSION TO CONTACT ME AS THEY ARE HARRASSING ME & ANY AUTHORIZATION THAT WAS GRANTED PRIOR TO THIS UNKNOWN & UNHERD OF " PROFESSIONAL CREDIT SERVICE '' HAS BEEN PERMANENTLY REVOKED & I JUST UPDATED THAT TO REFLECT TODAY 'S DATE XX/XX/XXXX @ XXXX PER LETTER TO CONSUMER FINANCE.GOV. 
XXXX Thank you XXXX XXXX XX/XX/XXXX XX/XX/XXXX ET

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
I filed a complaint for their failure to file a writ of satisfaction and they began garnishing me again in retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
CommonWealth Finance removed an item from my credit report and then re reported it with a new account # and status of account. If they could n't prove the account the XXXX time a new account # is n't going to change anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC
State: ID

Complaint narrative:
Original Debt Collector GreenTree Servicing LLC signed a note with us for a reduced debt to be collected with the promise we pay back this debt monthly with no interest ( $ XXXX ). We 've paid this debt continually and on time for 3 yrs. until they sold the debt to XXXX XXXX XXXX XXXX ( XXXX ). XXXX claims they did not receive any paperwork of the reduced debt and are now trying to collect the whole sum. I 've sent them the note ( notarized ), I 've sent all my bank statements as proof of uninterrupted payments. THEY still do not believe me. I 'm exhausted with 7 months of this go around. They state GreenTree will not communicate the debt to them. We are stuck in the middle. It is not our problem that GreenTree sold them a debt that they did not confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I am up to date with my payments and they are trying to sending foreclosures paperwork it got messed up when escrow paid my insurance XXXX now I 'm having trouble they keep asking for more money I do n't no what to do I have all reciepts through my bank I keep calling them at least once a week but they r rude and I get no where. Greentree is my mortgage company

Company response to consumer: Closed with non-monetary relief