vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-23 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: FL

Complaint narrative:
XXXX has attempted to collect on a debt that is past the statute of limitations. They said they could put it back on my credit report, although it is no longer showing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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: Dynamic Recovery Solutions, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX purchased an account from XXXX XXXX and has Dynamic Recovery Solutions trying to collect on an account that is from XXXX that I paid to XXXX. XXXX XXXX XXXX is reporting this account on my Credit reports with the XXXX Credit Reporting Agencies and told me to contact Dynamic Recovery Solutions who told me that the account was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX is reporting that this account was opened on XXXX/XXXX/XXXX which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Dwight Financial, Inc.
State: CA

Complaint narrative:
Everytime my husband or I call we are getting different stories. We have a letter stating that XXXX payments was our final payment for our motorcycle and we just had to pay fees for not having insurance. We have been calling for the last week trying to get info on the fees. Everyone is so rude there and now is saying XXXX is our final payment ( which makes no sense ) saying that they never received XXXX payment but then stated they received a cashiers check XXXX XXXX ( which would be considered XXXX payment ) now theyre saying theyre going to put a 30 day late on my credit which i dont see how they can do because there is no payments left besides the fee for no insurance and they cant even give us a straight answer on what is owed. Everytime someone answers its a different answer. I have never been late in the 4 years i have had this loan and i have never been treated with such little respect ever in my life. I closed my bank account XXXX XXXX payments come out XXXX XXXX they received a notice the account was closed XXXX XXXX, they received my cashiers check XXXX XXXX and since then i have been trying to figure out what is owed to pay the fees off and one minute i call and its they never received a cashiers check now its they have then it was XXXX was the pay off then its XXXX they have absolutely no idea what theyre talking about and its only 2 women that answer the phones there!!! Its absolutely ridiculous!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC
State: AL

Complaint narrative:
I tried to get them to work with me during an unexpected financial hardship. I explained to them the current situation and when it would be resolved by. I also have been making payments even though the company refuses to extend the term of the contract out and make the payments more manageable for me. I also told them I would call them in a few days and let them know if I would be able to make an extra payment. Even though I am doing everything I possibly can to make payments, I was told that my account would be charged off on XXXX XXXX. And my phone rings off the hook every hour non-stop, every day of the week. I could understand if I was n't paying or communicating with you. But I am doing XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 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: Omega RMS, LLC
State: WI

Complaint narrative:
I paid Omega RRC for a debt they said I owed for XXXX XXXX XXXX, however, XXXX XXXX XXXX closed and I am not able to use the services or have services provided prior to their closing. I paid Omega over {$2500.00} so that they would n't ruin my credit as they were threatening to do so. I called Omega and explained the situation and they supervisor XXXX said that I should continue to call XXXX XXXX which the line is busy XXXX. I paid Omega travel on XXXX via XXXX XXXX the balance they stated we owed. Omega collected on a company that is closed, the XXXX also states they are out of business and Omega has n't been able to send us documentation that the amount was owed. I feel we received NOTHING for the money we paid Omega so we should receive our funds back from them. Any assistance you can help in resolving this matter would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC
State: AL

Complaint narrative:
I have a company that has called me multiple times a day within hours of calls they are calling again. I have had days where this company has called me as many as XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
XXXX has listed on my credit report a debt that was abolished by XXXX Finance in XXXX 2013. This was a joint account as I co-signed for a coworker to purchase a used car. XXXX Finance agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. XXXX keeps verifying the debt as valid because XXXX Finance is supplying fictitious information because collection efforts remain in effect for XXXX party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. Equifax is also listing the erroneous account by XXXX Finance as past due in the amount of {$1500.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Portland Credit Inc
State: OR

Complaint narrative:
I was sent to collections after 30 days for a water bill when the city would n't let me set up a payment plan. I did not receive any correspondence, but got a call from Fidelity Collection Services. They used vulgar language. They added a {$100.00} fee plus 9 % interest. They would n't work with me on removing the fee so I could pay the debt. They threatened to garnish my check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/2016 ACH DEBIT XXXX XXXX XXXX was overdrawn and charged {$35.00} for NSF. AFTER THAT CHARGE ALMOST ALL CHARGES WERE GETTING OVERDRAWN MOST OF THEM XXXX OR XXXX I TAKE TO WORK AND BACK HOME. XXXX CHARGES TIMES {$35.00} TOTALING {$560.00}. I ATTEMPTED TO ADD CASH TO MY ACCOUNT WHEN I NOTICED WHAT WAS GOING ON. RABOBANK ALSO STARTED CHARGING MY ACCOUNT OVERDRAFT FEE FOR CONTINUOUS OD XXXX XXXX TOTALING {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
***California Lease***** Kia Finance is charging customers XXXX tax rate on XXXX payments. The auto pay is adjusted to take the correct new tax payment, but since the bill is not adjusted customers show that they owe a small amount due. usually less than a dollar. Kia is telling customers to pay the balance due which is a huge burdon to cancel auto pay, pay the amount and re set it back up. 

When the fact is that Car leases are paid front end, not in the rears. So XXXX 's payment should be for the new tax rate. That payment would be for XXXX to XXXX. Since the bill from Kia came in XXXX for XXXX payment they are charging for the old tax rate in XXXX, By doing this all consumers are paying the higher tax rate in XXXX WHEN THEY SHOULDNT BE! Kia recognizes this but thier solution is for the consumer just to pay the extra money and then starting XXXX they can make the lower payments. This is incorrect!. even their auto pay system adjusted to the correct rate in XXXX but the bill due did not adjust.

Company response to consumer: Closed
Consumer complaint received 2015-07-07 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: AFNI INC.
State: SC

Complaint narrative:
A company named AFNI called me and stated that they were collecting a debt for XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for many years. I looked online and found several posts about AFNI attempting to collect fraudulent debt. I called XXXX XXXX XXXX and they confirmed I did not have an outstanding debt nor had they reported me to a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
Company started calling twice a day, now they are calling four times a day each day. 
They are calling without identifying both the name of the creditor and the name of the person they are calling. 

If I answer the phone, they stay on the line without saying anything. 

A representative told me that they have an automated number just call repeatedly., I asked them to stop and they have not. 

I have no idea why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: VA

Complaint narrative:
I signed up for a third-party bi-weekly mortgage payment service that withdrew funds from my bank account and made my monthly mortgage payments to my lenders. This was done through a company called National Bi-Weekly Administration in Ohio. They made the withdrawls and payments as promised. I recently received noticed from them that they would temporarily have to suspend the withdrawls and payments due to an issue with their bank. I then found out that the CFPB was investigating them and made bi-weekly payment arrangements directly through my mortgage lender. When I went online to close my account with National Bi-Weekly, I was directed to a page that told me I would have to do that by phone. I have been calling the number posted ( XXXX ) daily since XXXX XXXX and keep getting a recording saying that they are experiencing technical difficulties to try back the following business day. I just want to close my account with National Bi-Weekly and can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: NE

Complaint narrative:
I had an account for internet services with XXXX, now XXXX that was opened in XX/XX/XXXX. When I attempted to pay my bill online, their site was unable to locate my account because someone had transposed my last name when my account was opened. 

I called into customer service and they were unable to correct the issue or locate my account. My account was suspended due to late payment, the amount due at this time was around {$90.00}. Because of the poor customer service, I elected to not have my accounted reinstated and returned the equipment. I did not receive a final bill from them attempting to collect the total amount due on my account or stating the total amount due. 

In XXXX of this year, I received a collection notice from AFNI , Inc, for the amount of {$300.00} for this account. There was no explanation as to the final charges. I was able to settle the account by paying {$180.00} ( estimated ), but the account now is being listed as 'settled for less that the amount due ' on my credit report. I was not advised this is how it would be reported when I was offered the settlement amount when paying the collection with AFNI. 

This collection is now being listed on my credit report, even though I 've paid this off, and will continue to be listed until XX/XX/XXXX. I do not believe this has been a fair process in the handling of collecting on this account by either XXXX or AFNI. XXXX because they erroneously recorded my account in the first place, and AFNI because they did not inform me the payment would be listed as a settlement in reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
For the past 12 years I have been contacted by various debt collectors. The most recent one, Persolve LLC, has called me 5 times during the past two days and left a message on my answering machine. I never owed a debt in my life. ( I have paid all credit cards, bills and mortgages before the due dates for the past 40 years -- never had a late payment in my life. ) I think someone put my telephone number ( but no other information identifying me ) on some kind of an application. That person 's debt has been sold over and over to various debt collectors, all of whom start calling my telephone number continuously for a few months. I have written letters to previous collectors saying this is not my debt and I do n't know who they are looking for but they just then sell my telephone number to another debt collector. I want a way for my telephone number to not be sold over and over to debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
This incident was btought to yhe attention of EOS CCA. Who is now the XXXX creditor to attempt collection on this fraudulant collection. The company before them was XXXX XXXX. The original credit provider was XXXX whom never comunicated to me nor provided documentation of this false debt. This debt according to XXXX and XXXX was opened XX/XX/XXXX. My research after contacting EOS CCA was told that the account was originally established XX/XX/XXXX. Im certain that is against the law debt to place a debt in the hands of another debt collector let alone XXXX. I HAVE no idea why they are attempting collection without proper documentation to prove the validity of the collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
Aldous and Associates, a law firm in XXXX, Utah contacted me regarding a missed payment to XXXX XXXX. When I talked to them initially, I was n't aware of the missed payment so I told them that I wanted to verify this myself with my local Gym. I was told that I should n't contact XXXX and that if I did n't pay that day, I would owe even more the next time they called. I went to the Gym and paid the missed payment. The Gym even acknowledged that they should have contacted me about the missed payment but had not done so. The next day I got another call which I answered and was treated horribly by a supervisor named XXXX. He threatened me, told me to shut up, yelled at me and was generally rude. I tried to explain to him that I had paid the bill directly with Golds. He hung up on me XXXX times as I tried to explain to him the situation. He told me that he instructed me not to do that and I better pay right away. My husband called to object to the rude phone calls and asked them to stop calling. I continue to get daily phone calls from these people even though I have paid the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Early Warning has failed to properly investigate the incident date of XXXX/XXXX/XXXX with the furnisher of XXXX. I 've requested proof of the investiagtion and procedures and never received anything from Early Warning or XXXX. Early Warning has refused to remove the inaccurate information is list in regards to XXXX Account/ Ref # XXXX. I called Early Warning on XXXX/XXXX/XXXX to follow up on the investigation. I spoke to XXXX who gave very poor service and refused to answer questions and decided to hang up on me without incident or providing any level of service. Being that Early Warning is funded by the furnisher of the information Early warning has failed to impartial to the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax continue to willfully violate my rights pursuant but not limited to the " FCRA '' with negligent noncompliance. Equifax continues to report inaccurate information that was blocked due to identity theft pursuant to the FCRA 605 B ( 15 U.S.C. 1681C-2 ). An Equifax consumer credit report was acquired on XXXX/XXXX/2015 from Equifax Mortgage Solutions which still contains fraudulent accounts in which were deleted from my Equifax Consumer Credit Report which I have also uploaded. Equifax continues to ruin my life by inaccurately reporting fraudulent accounts in addition to violating 15 U.S. Code 1681i ( C ) and ( D ). I have been denied life & liberty due to this companies negligence and have done all that I can do to obtain remedy through the agencies that govern them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 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:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a several months problem with payments for XXXX credit card in view I have made payments on time or before but Regions reject payments for regions technical problems, the situation is that I have just XXXX checking XXXX Bank account and just to pay on line monthly pressing checking account bottom but regions bank set up this account as a savings and change automatically the payments issue collecting from a savings account instead checking account. I have visited 4 times Regions bank branches but they refuse to fix this problem and I dont have another checking account. Now This negligence affect to my credit report for late payments and Regions'customer service don want to fix the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 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: AL

Complaint narrative:
I have a collection from XXXX on my XXXX, XXXX and XXXX XXXX I have never had a XXXX account I have a XXXX account, this is a incorrect information due to the fair debt act signed in 2010 by President Obama, By its very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. XXXX FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ). 
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). 
Upon notice from a consumer that inaccurate information has been furnished to a CRA, the creditor must conduct a " reasonable '' investigation and issue its findings within 30 days, with XXXX 15-day extension allowed. This is the same amount of time credit bureaus have to investigate and respond to a consumer dispute. I have had a fraud protection Alert. I demand who has been paying this bill because I have never had a XXXX account EVER ... I have contacted XXXX and they have no knowledge on me in their system, called the collection agency was gave a run around talked to XXXX XXXX ID XXXX that stated he could not connect me to the number I need to be transferred to, I had a XXXX rep on the phone as well she looked up the number is was a bad number he gave me a XXXX no answer the XXXX rep called another number spoke to XXXX XXXX ID XXXX, these names sound fictions, still could not pull up any information on me by my SSI number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Applied for business loan. As of today it 's a month since it was started. Bank staff works not full day in branch and it delays the process. Finally when all verification cleared ( after Month ) and only loan should be signed bank agent will go on 2 weeks vacation and nobody can finalize the process. My husband is out of business for that reason for more then a month.

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