vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: KY

Complaint narrative:
Within literally minutes of opening a new cell phone account and number with XXXX XXXX ( KY ) is received a phone call from XXXX. I did not answer but when I got another call several days later I returned their call to see what it was about. I spoke with a " customer service representative '' named XXXX, who refused to give me any information until I provided him with my name and phone number. He said their call concerned " personal and private '' matters. I could not get any additional information from him. I insisted that he connect me with a supervisor and after several minutes on hold he did so. They identified themselves as EOS CCA, and I finally figured out that they were some sort of a debt collection company, but the supervisor would not provide me with any information about the reason for their calling me. He was very evasive when I asked him direct questions about how he got my phone number and why they were initiating this phone contact with me. I finally insisted that they take me off their call list, which he said he did. I told the supervisor that I expected they would NOT ( emphatically stated ) call me again and that I would be filing a complaint with an appropriate government agency. It is amazing to me that they would call me so soon after opening a new telephone account with a company I had never previously done business with. Incidentally my credit rating is impeccable and I am debt free. Interesting to say the least. Are they legitimate or scammers. The are inconsiderate in the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
The original debt was from a phone compeny and the phone was faulty they even sent me another unit due to this issue but yet again I was getting billed even when I was in WiFi mode using data rather than roaming but the system reported me a roaming using data, so I complained and complained but yet they would not remove the fees so I do believe its my fault for there software or hardware issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: AFNI INC.
State: GA

Complaint narrative:
This account was paid in full and closed by the original creditor which is XXXX. AFNI Collection Company continues to report inaccurate information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 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: WV

Complaint narrative:
Company calling itself AFNI, Inc. sent me a collection notice purporting to represent XXXX. Alleged a balance due of {$1900.00}. My account with XXXX was closed in XXXX or XXXX of 2015 and paid in full. 
Company name and address : Afni, Inc. XXXX XXXX XXXX, XXXX IL XXXX Company phone : XXXX Company website : www.afnicollections.com Their letter to me included several account numbers which I will gladly provide on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 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: OK

Complaint narrative:
Any accounts I 've had with XXXX were paid in full and closed was prior to XXXX from Georgia. I do not owe this debt. I have disputed this account numerous times and each time it has been removed, it is then added again by another one of these " companies '' likely to negatively impact my credit score. Which should be illegal. Furthermore, I am in the process of disputing this account with another collection agency who is reporting the exact same thing in another one of my credit profiles ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 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: NY

Complaint narrative:
Regular robo calls from EOSCCA XXXX XXXX XXXX XXXX MA XXXX XXXX a debt collector with only a phone number. 
We have no debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 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:
Most recently - they closed my savings account without giving me prior notice ( of ANY KIND - no email, letter, phone call, nada ). When I called the XXXX number to ask what was going on, the woman told me she was unable to give me any information and that I needed to call the branch. When I called the branch she told me that they do n't have anything to do with closing accounts and that I needed to call the XXXX number ... ... eventually I was informed that if my account had a XXXX balance for 3 months they AUTOMATICALLY close the account - I maintain that they should be required to let me know they are going to do that ... ... 

In the past year - they have replaced my atm/debit card three times - with no explanation. On XXXX XXXX I left to go on vacation and discovered that they had de-activated my atm card, stating that they had mailed me a new one that had never been activated ... .I never got the other card. Spent over an hour on the phone while they re-activated my card and then shipped me out another new one. The original rep I talked to was unbelievably rude, and put me on endless hold when I asked her to transfer me to a supervisor. 

The branch notified me almost 6 MONTHS after I ordered them that they had my checks ... ..I placed that order 3 TIMES and NEVER got the personalized checks I asked for and ostensibly paid for. 

Overall, the phone reps I have talked to in the last two years do n't seem to know what they are doing and they are rude. 

I used to be super happy with this bank, but the last two years I have had increasingly poor service and I now have absolutely NO CONFIDENCE with this bank - where I have had an account for over 20 years.

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 2016-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
My Regions account ending on Saturday, XXXX XXXX, 2016 balance on the account ledger was XXXX $ ( from transactions made across the day ). Monday, the account ledger showed the same. Tuesday, XXXX XXXX, 2016, a NSF overdraft fee in the amount of XXXX was posted to my account. This NSF fee is what caused my account to be negative in the first place. The bank states that a pending transaction placed a hold on my account on Monday, XXXX XXXX caused all of my transactions from the weekend to be negative although this charge did not show on my account ledger and money to cover all charges was present in my account. The abovementioned charge was not visible on my account ledger and once it posted, it also caused a NSF. This is ridiculous ; banks use " posting '' order to justify charging NSF overdraft fees. I spoke with a manager at the bank ; she refused to return the NSF courtesy fees. As a result of their posting order shenanigans, I have been charged a total of near XXXX $ in NSF fees.

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 2016-05-10 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: ZARVAD III S.A.
State: WY

Complaint narrative:
Applied for a loan and was told I needed to send a XXXX dollars via XXXX card as verification of employment to receive a XXXX Loan and when that was done the funds would be deposited into my account but when I completed that the company told me I had to pay an additional XXXX for federal taxes. When I told them I was n't sending anymore money they started threatened me with legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
In XXXX 2013, I became a XXXX. During this time, my daughter and I shared an account through XXXX. During XXXX of my " XXXX '' I deposited some Mailbox Coupons into the XXXX account as cash, I do n't even remember this happening : ( XXXX contacted me immediately and with the utmost embarrassment, I went into the local branch to clear up my mistake. I received a lecture from an account representative, paid the money that I owed, and had the account closed. I was assured that because I resolved it immediately there would be no repercussions other than the sheer embarrassment of the situation in front of town 's people and my daughter, I stopped XXXX. Here we are over 2 years later and I am working really hard to get my credit up and stick to a stringent budget. This is when I learn XXXX has reported " XXXX '' on XXXX/XXXX/13 and the closure status is " not reported. '' This is on my credit report, is keeping me from opening a bank account, and simply not right considering I was told there would not be anything reported in regards to banking or me. Granted I know I made a horrendous mistake and I tried to make amends as quickly as possible. I wish it had never happened but it did and I do n't think I should have to continue to pay for this error especially when I was told I would not have to over 2 years ago.

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 2016-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
I have been trying to get ChexSystems to remove the fact that I am dead from their credit report ( Ref # XXXX ). I am not dead and they have not attempted to contact me or reply to my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I have requested my Chex System report twice, once several months ago. They are yet to send it to me. I was recently denied an account my XXXX XXXX XXXX based on information they provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: WV

Complaint narrative:
I tried to cash my WV XXXX tax refund ( {$97.00} ) at XXXX on XXXX/XXXX/16 at XXXX. I received a notice that my check was declined by Certegy. When I called the number on the receipt, I received a recording that it was nothing I did wrong and that I should take my check to a non Certegy retailer. Then the call just ended. I was not given an option to speak to anybody. It did this at least 6 times. Finally, I googled Certegy to get a number. I spoke with XXXX ( Rep ID # XXXX ). I asked why it was declined and she refused to tell me. She said that she could not give me that information because I was not the owner of the account. She also said the WV Tax Dept. needed to call them to verify the check before they could clear me out of their system. I called the WV Tax Dept. After being on hold for almost TWO HOURS, I was told that there is nothing wrong with the check and that Certegy has declined almost all refund checks from the State of WV this year. The Tax Dept. says they will not call because they have had SO many reports of this happening that they just do not have time or enough staff to call on each and every check. I have never written a check so I know that I have no bad checks outstanding. I do not have a bank account, can not afford to open XXXX and should not have to do so. Certegy is refusing to okay my transaction without telling me why. It just seems like a huge run around - the merchant says it is Certegy 's fault, Certegy says it is the Tax Dept 's fault and the Tax Dept says it is Certegy. I just want my money as I do n't make much and really need it. This is unfair for Certegy to decline transactions without giving me a reason or making it appear that I have done something wrong. If it is nothing I 've done, and it is a government check that is valid, they have no reason to decline the transaction. In addition, getting any information on why it was declined or how to fix it has been a nightmare. Certegy should not be allowed to commit fraud in the name of " fraud protection ''. While on the phone, they offered to sign me up for a free " VIP '' service that will monitor my credit report. I have never had a credit card and have no reason to have a service like that. I believe Certegy is declining my check in order to enroll me in a service that I will end up paying for in some fashion. Please make them stop this!!! I have no idea who else to call or how else to fix this situation.

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 2016-02-26 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
I had a loan for XXXX from Mypsydayloan.com. On XX/XX/XXXX I sent them a notice revoking ACH authorization because although I had already paid them XXXX they still showed me owing a balance of XXXX. 

The legal interest rate for a payday loan is XXXX per XXXX, which would be XXXX maximum interest. 

This morning I looked at my bank statement and they have once again taken XXXX despite my revoking my ACH authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 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: MS SERVICES LLC
State: TN

Complaint narrative:
I have a collection that 's been showing on my XXXX and XXXX report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with XXXX or XXXX, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is Mountain State Adjustment, they also go by MS Services & XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 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: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
A company by the name of Accelerated Revenue Managers in XXXX California reported my name and home address to XXXX ( XXXX of the XXXX big credit reporting agencies ) with derogatory information regarding an unpaid pest control bill ( to a company named XXXX XXXX ) without having ever notified me of the debt scenario or that they would be damaging my credit score as a result of their filing. I did n't find out about it until I went for a home refi on my mortgage and their filing showed on my report. At no time did I have any creditor relationship with XXXX. Accelerated Revenue Managers most assuredly is not following the proper communication protocols nor should they be reporting potentially fraudulent negative credit information without first establishing contact with the alleged creditor. Please investigate their credit collection practices so that others are not harmed by their tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Finance System of Richmond, Inc.
State: AL

Complaint narrative:
On XX/XX/2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XX/XX/2016 to the address listed on my credit report ( XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XX/XX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken two federal laws. I sent a follow up letter dated XX/XX/2016, received and signed for on XX/XX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XX/XX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I have been disputing these items for at least 2 years and Chex-Systems states that they are validated and verified. First thing My name is XXXX XXXX XXXX which I have known as that since 1974 which is XXXX years. They have my name listed as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX which are all wrong and need to be removed. My Drivers License and Social Security card are attached for verification. The have License number listed which is n't mine and I have my Drivers License attached for verification and that information needs to be deleted as well. Then the address 's I have lived at : XXXX XXXX XXXX XXXX, XXXX XXXX for 8 almost 9 years. These addresses ; s are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX Rt XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX this is my parents address not mine please delete as well. I have attached the Chex Systems Report so that you can see it for your self. I have over XXXX inquiries from Credit Unions and banks that I did n't authorize to pull my information and I even notice XXXX banks reporting as NSF Activity that I want to be removed as well. One has a misspelling of my name and the wrong address and others I am disputed in invalid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: CountryPlace Acceptance Corporation
State: WA

Complaint narrative:
Multiple Emails and Multiple calls from several people at this business. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX. I communicated my plan for payment. Stated I was doing the best I could do and that repeated contact would not change what I could do. Asked them to restrict their contact to ONE member of their staff and to use Email only ( as I can not receive calls during the day ) They have also called before XXXX and called after I 've asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
When attempting to buy a generator after a hurricane my check was declined by Certegy Check Services. I have had multiple problems with them in the past with declining checks saying I did n't have enough history with them. When I was finally able to get a check approved Certegy sent it off to collections with in a week saying it was unpaid even though my bank shows it paid after talking to them it was found to be an error and they where going to send a letter to me to get my fees refunded from my bank and that never happened. That has made me loose several XXXX dollars in fees to my bank. Fast forward to today when attempting to call for three days in a row since XXXX XXXX and wasting 6 hours I can not talk to anyone to figure out the issue. Certegy has not learned from the FTC lawsuit and is still preventing customers from spending their own money. Their VIP program that is supposed to make writing checks easier is a joke. It is just a way to force consumers to do business with them. I am tired of having to waste my checks that I have to pay for.

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 2015-10-08 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: Credit Protection Association, L.P.
State: IL

Complaint narrative:
it was payed-should have never been reported-credit protection if I could I would XXXX for this false report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief