vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-20 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: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
DCI called a few times to collect an old debt. They told me if I paid in full right at that moment they would remove the item from my credit report completely. So I paid over the phone. The item is still on my credit report and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2010, XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Ria Envia, LLC
State: TX

Complaint narrative:
USD ) on XX/XX/2016. The date of expected payment/ deposit of the USD was XX/XX/2016. I was using XXXX transfer services. I had problems in the past sending a smaller amount. ( A staff had helped me over the phone to send a previous amount and gave me the wrong info. - which I found out a week later when the transaction did n't process and had to redo it which delayed my payment further ). On XX/XX/2016, I was called by an XXXX transfer rep regarding the XXXX XXXX transaction and I stated that I had a lot of problems in the past with my personal bank and I did n't think it would work since my personal bank had to verify the account first, then may send the money. The verification process takes 2-3 business days and I would miss my deadline of XX/XX/2016 so I requested to cancel but she said I could n't cancel because I signed a " legally binding contract '' to pay for the XXXX since they " had purchased the XXXX based on my order '' at the exchange rate for the day and to cancel may incur loss. She then transferred me to her boss who said the same thing and asked that I speak to my bank. I called my bank and they said I could complete the transaction with bill pay online. I tried this and it did n't work. I relayed this info. to the XXXX rep the next day and he said that they could override their way of doing things and have the total amount direct debited from my account ( previously, they would only allow no more than {$5000.00} be debited at once ). I asked him on XX/XX/2016 to cancel it. He then stated that I would have to pay overage for the amount the exchange rate changed from XX/XX/2016 to XX/XX/2016 in the amount of {$2900.00} to cover their loss for the purchase of the XXXX at the exchange rate ( which was higher ) on XX/XX/2016. I then sent him an emailed request asking for proof of purchase for these XXXX in the exact amount that I requested on XX/XX/2016 with time stamp to prove that, indeed, they purchased these XXXX specifically for me, at the exchange rate for XX/XX/2016 - which would justify their claim for reimbursement. I have received no such receipt/ proof, yet they continue to demand I pay 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 2017-01-31 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
my payment is due on the XXXX, i received a call on the XXXX at XXXX saying they did n't received my payment. I told them that i would be sending a payment on my payday which was the XXXX, they told me i would be in default if payment was n't received by the XXXX of XXXX. well my check was short by error, my job is fixing that. I call 800loanmart to let them know they said the same my payment will be in default by the XXXX. This morning ( XXXX/XXXX/17 ) i get a email telling me i broke an agreement by not making the payment on the XXXX. my question is is this harassment if I 'm not 10 days pass due. I thought there was a XXXX grace period. Can you help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Convergent outsourcing is billing me for an incorrect agreement. When I try to contact them, whenever I give an agent my information then name I am always hung up on. They have not honored our agreement, the one time I was able to speak with someone which was months ago, they told me the issue was resolved, lie. I have done research and have now noticed that others have had similar issues with this company. I am doing my part and just filing my complaint as those before have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
They are trying to collect on a phone bill I do not owe! They tried to charge me for canceling phone service! My contract was up but they charged me a cancellation fee! It says that there is no cancellation fees if you stay for the whole two year contract! I never renewed my contract after it was up therfore I do n't owe them a cancellation fee since my contract was up. Plus they tried to make me pay for a month 's phone bill even though I cancelled the month before! And this has been more than 12 years since this happened. Staute is up on this and they need to stop harrasing me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
This is not my debt and This is not a refusal to pay. It is a notice that I am disputing Harvard Company 's claim and requesting validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Pursuant to the FDCPA, they must ( a ) provide the requested verification before continuing collection activity or ( b ) stop all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
First started receiving fake medical bills, and now threats of reporting to credit bureaus

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 2015-07-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX is claiming a medical service performed in XXXX during the XX/XX/XXXX-XX/XX/XXXX time frame is mine. I live in XXXX and had not visited the state of XXXX in XX/XX/XXXX or anytime before that. I have had no medical services performed at XXXX ( or XXXX for that matter ) nor have I ever visited XXXX hospitals anywhere else. Furthermore I have had insurance coverage through an employer sponsored medical program most my adult life ( including the XX/XX/XXXX-XX/XX/XXXX time frame ), and would not have elected an out of pocket service. The debt XXXX is claiming is not mine and needs to be removed from my credit report immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent Optimum Outcomes a certified letter asking for proof of a debt they allege I owe. Furthermore, they have placed this against my credit with Equifax. They were given XXXX days to respond via mail and I have still not received the requested documentation I 'm allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 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: IL

Complaint narrative:
I had XXXX for my television serivice and the payment was suppose to have been taken off my credit card. I also had XXXX for internet service. XXXX turned my tv off 5 different times over non payment. I told them it was suppose to be taken off my credit card. They told me to contact XXXX which I did. XXXX told me to contact XXXX. It was back and forth and for some reason they could not resolve the issue of turning my tv off. After the 5th time I told them to take the XXXX thing out and got XXXX and have never had any problems. I explained to the collection agency and also contacted direct tv and have not had a response from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: AFNI INC.
State: GA

Complaint narrative:
AFNI, Inc. holds a debt in my name which I am not aware of. I wrote them a letter XX/XX/2016, in which they refuse to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: American Credit Resolution, Incorporated
State: NY

Complaint narrative:
I spoke with a woman named " XXXX '' at a company she told me was called XXXX, and that I owed a debt to XXXX for a breach of contract for {$730.00}. She claimed I needed to either make a restitution payment on my alleged debt today, or I would be immediately served with a court notice. She absolutely refused to provide me with any paperwork or proof that I owe the alleged sum. She said that would be provided when I went to court. I asked for some additional time to make the decision so I could consult my attorney. She refused. She said they were n't a collection agency, but a mediation firm and if I did not make the restitution payment, I was automatically selecting to go to court, which could result in paying higher fees. For the entire call, she took an incredibly disrespectful, condescending tone. I asked her for information that she refused to provide. I begged her to transfer me to someone who could be civil and respectful. I asked her REPEATEDLY to transfer me and she said " the outcome will be the same '' - I told her I did n't care, I just wanted someone who could be respectful. I asked her several times to stop being rude, and she denied that she was, and she referred several times to the fact that I was crying. When I asked for the final time to transfer me to another person, she said " hold on, let me tell them I have a crier on the phone. '' I was placed on hold. Her parting words before transferring me were, " good luck in court, XXXX XXXX XXXX. " Come to find out, after the initial restitution payment was made and I received the receipt via e-mail, the company is NOT called " XXXX '' but American Credit Resolution , Inc. So she misrepresented where she was calling from, and probably her name as well. She refused to provide me with a last name. She said she was the only XXXX there.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22 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:
Regions bankcard ... took dog to vet went to pay for services and it said when they ran it refer to card owner ... ran three times didnt work. Call and used 23 minutes of data before they bothered to answer., no music over and over how they won first place with banks for service. No one ever ever sent me an email or text stating that my card had been shut down due to a suspected attempt of use in NY. So they just dont tell you and you are in with dog at vet and you cant use it. TERRIBLE. In addition while im here they changed their website and it has something called insights and you cant get it off. How i spend my money is my business. At my other bank they took it off, I am not married my father is deceased i control my own money and dont need regions to budget my money. It was also very embarrassing that my card was turned down in front of everyone.

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 2015-06-25 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 debt is not mine and has previously been removed from my XXXX Credit report. This company " AFNI '' continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report # XXXX, but XXXX stated it was verified by AFNI to be mine, but XXXX companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting AFNI provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When they fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with XXXX on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If AFNI denies this I can down load proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and AFNI needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all XXXX of my credit files where it is listed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain land collections called me and stated I had an outstanding amount owed to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX. I explained to them that XXXX/XXXX had deducted XXXX a month from my credit card from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX and that the bill was paid in full. I then received a Request for Payment from Mountain Land Collections on XXXX/XXXX/XXXX stating I owed the above amount and had 30 day to dispute it or a negative credit entry may be placed on my credit report. The letter stated that if I disputed the amount owed within 30 days they would send me validation of the debit before any negative entry would be placed on my credit report. On XXXX/XXXX/XXXX I had my attorney draft a letter responding to the Demand for Payment and sent them my credit card ledger showing all the payments were deducted from my credit card every month from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX they did not responded to the letter or send me or my attorney anything. On XXXX/XXXX/XXXX while attempting to refinance my home I was informed from XXXX that Mountain land had placed a negative entry on my credit report reducing my credit score by XXXX points from a XXXX to a XXXX and causing the mortgage company to attempt to charge me a huge interest rate on my loan. I was also informed by XXXX that they had now placed a negative entry on there credit reporting agency on my report. I do not owe any money to XXXX or XXXX. The amount was paid long before it was ever sent to mountain land.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi my name is XXXX XXXX, my husband XXXX and I shared an account we opened in XXXX XXXX. We reside in XXXX XXXX, my mother in law lives in XXXX XXXX. Recently I went to the XXXX branchin XXXX XXXX and made XXXX deposits in the drive thr ough. The teller, XXXX was extremely rude, making a wrong deposit for the in correct amount. She made me wait and I was the first customer. I was trying to help and advise her that she made an improper deposit. Also I was trying to takes care of another business related issue on my phone. Another lady came on the speaker yelling at mesaying, _your on your phone you need to get off '' the call was very important. I then advised her that it was business and that I will report the rude behaviour. The other lady screams ha you think you 're a banker. '' I drove off and continued my call and pulled across the street in the parking lot to write down information. I then called customer service and spoke with someone regarding the tellers. Then a police officer pulls behind me questioning me he then witnessed I was on the line with Regions and told me have a great day. He also said the tellers alleged they were scared. I feel stereotype d marked because of my race, also that was unethical, those tellers knew what and how they treated me was wrong, if you did n't do anything wrong to anyone then there 's nothing to be afraid of. I left a message for the branch manager XXXX XXXX. She never returned my call. I called XXXX and spoke with someone, the lady made contact, then XXXX called me yelling in my ear never affording me the opportunity to speak, hanging up in my face then she forced my account to be closed out of retaliation. She bragged about the people she knew and how she been banking a long time. This woman was rude and I am respectful ly request ing that someone address the matter and respond to me, if not I will call me back, and I would like the decision overturned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 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: KY

Complaint narrative:
i have requested my credit report and there was a reported debt on there from EOS CCA which stated i owe them {$4500.00} for an XXXX Bill i then contacted XXXX to inquire about the bill seeing as i had no knowledge of even having the service with them. I was first transferred to customer service which they have informed me they have nothing in their system of me ever having service with them which then i proceeded to be transferred to their collections department for further confirmation and again they also told me they have nothing even stating i was ever a customer through them. my question is what can i do about this to have them to remove the debt from my credit report this to me sounds illegal to try to collect a debt and report a debt that i do n't even owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: LPSG
State: AR

Complaint narrative:
Recieved a call telling me that I needed to call or there would be charges from this number but told me to contact a different company when I ask what the bill was for the Lady refuses to tell 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 2016-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On more than one occasion I took a check written to me from a business to their bank ( and their bank branch ) and was informed by the bank I would be charged a fee because I did not have an account at that bank. Their client wrote the check to me for their convenience and record keeping, I should not be penalized. If I deposit the check in my account and if funds are not available then my bank will charge me a fee. I should be able to cash a check written to me at the bank that the check was drawn from, without being charged a fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 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: MI

Complaint narrative:
I called XXXX XXXX XXXX to inquire about getting my daughter phone service at her address- in my name. After taking all my information the young man I spoke with informed me the service I was inquiring about was not available in her area. I thought that was the end and then I started getting bills from XXXX XXXX XXXX addressed to me at my daughter 's address. Eventually the bills started to come to my home address. After several contacts with XXXX XXXX XXXX and explaining I had not had service from them ( at MY home address ) in over 20 years I received paperwork explaining I was released from owing that bill. Now I am getting calls from this company AFNI saying I owe them that amount even though I never owed XXXX XXXX XXXX. I never owed XXXX XXXX XXXX and have no idea why I owe these people who call me continuously and persistently

Company response to consumer: Closed with explanation