vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: MO

Complaint narrative:
I have tried to work through XXXX and XXXX to remove an invalid debt for over 4 months, and have been rejected through the re-investigation process. The company, AFNI INC, is a well-known predatory debt collection " company '' that creates false debts, sends them to credit reporting agencies, and makes dozens of harrasing calls each day to their " customers ''. The debt they have reported with XXXX XXXX XXXX for {$410.00} does not exist, as I have confirmed with XXXX XXXX XXXX that no such collection was filed. With the smallest amount of online research, I was able to find out that AFNI uses these false debt collection practices on thousands of Americans every year. It 's predatory bullying at it 's worst and the exact reason the CFPB exists. I have spent hours trying to get XXXX and XXXX to remove this FALSE collection from my reports, but they have not taken them time to research AFNI and see that they are a SCAM. I am now urging the CFPB to do whatever is necessary to remove this false debt from my credit reports. I have exhausted every remedy that was suggested to this point of working through the credit reporting agencies. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 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:
I had XXXX in XX/XX/XXXX/XX/XX/XXXX then ended my services with them in XX/XX/XXXX. The sent me a bill dated XX/XX/XXXX showing : Bill Amount : $ XXXX & Payment Due Date : XX/XX/XXXX Then the following I got a bill for them for an equipment, which my husband had taken back. I sent XXXX XXXX XXXX XXXX a dispute letter. A manager called me and asked to speak with my husband to verify ; I told him that my husband had died XX/XX/XXXX. He apologized and he would close the account because my balance was actually a credit. Now this year I found this account on my creidt report from AFNI a collection agency with a balance of {$780.00}. I have tried without success to convey to this agency that this is a mistake to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
While using a company called XXXX XXXX to monitor my credit, I was told that I was able to check approval for a new line of credit using a soft inquiry that would not impact my credit. The company ran my credit without my authorization for a company called XXXX by Goldman Sachs that resulted in a hard inquiry of my credit. I did not authorize this company to access my credit reporting file for extending credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
How can Early Warning Systems say they investigated and validated the item with XXXX XXXX XXXX, when XXXX XXXX XXXX per the attached letter says they do not have any bank records. 

Early Warning Systems, this is your Early Warning to please delete the items related to XXXX XXXX XXXX. 

See attached supporting documents. 

cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 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: NJ

Complaint narrative:
XXXX has that I owe them XXXX. This amount is erroneous. I called XXXX to cancel my mobile service and they refused to cancel unless I paid the outstanding balance so they continued to bill me and add on late fees which totaled the amount above. I can not believe they refused to cancel my service and continued to bill me. this outstanding balance has been transferred to various collection agencies in an attempt to collect the erroneous debt and its negatively impacting my credit score/credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: PA

Complaint narrative:
XXXX was the originating mortgage holder and they did not pay my taxes after all monies were escrowed. they sold my loan to selene finance and they paid it after XXXX said they would but did not, but they paid it from my escrow acct not from funds received from XXXX and now have a shortage in escrow. selene finance then hit my escrow acct XXXX for homeowners insurance, was late with it and only paid it once in 2013 as the insurance company never received the second payment. now escrow is short yet again and my payement went up {$200.00} + a month. i have been trying to get this fixed to no avail, XXXX has tried from what they said in the emails i have from them but selene will not respond. planet home is the new servicer and has been trying but they keep getting wrong information about the problems. both XXXX have acknowledged the issue and see where the problem are but can not get my {$2000.00} + back without selene finance 's cooperation. this has been going on for over 2 years and do not know where to turn. all has been documented as well as numerous emails. 
please helpthank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Solutions To Portfolios, LLC
State: FL

Complaint narrative:
I received a call from a company named STP Group for collection on a debt. I do owe the debt but was not originally with the group. I repeatedly asked the agent XXXX XXXX to send me proof of the debt and I would pay. I told her without written proof of the debt I will not pay. She said gotcha and will further process it. Obviously not following any collections rules as I repeatedly asked for proof of the debt via a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

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

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: MA

Complaint narrative:
XXXX XXXX emailed me that I have an open collection. So i open it and saw a {$610.00} debt collection from XXXX. I do not where this come from. I do not owe {$610.00} on anyone. I have no information about this debt that they are talking about.This is theDebt i am talking about. 

XXXX account reported on XXXX XXXX, 2015 OpenAccount # XXXX $ 614BalanceCOLLECTIONOriginal Creditor $ XXXXHigh BalanceMay XXXX, 2015Opened DateXX/XX/XXXX XXXX, 2015Last ReportedIndividualResponsibility

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I disputed the issues with Amsher. This information is off of my XXXX credit report, but not the XXXX report and I keep trying to dispute it to get it off of my credit report, but I can not get anything done. I also tried to contact the creditors and they said nothing showed up and each of them told me to call the other.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ARC Management Group, LLC
State: TX

Complaint narrative:
without mailing me notice to let me know I had hostile pills they report me to credit bureau, then after my insure company paying them {$800.00} and I paid {$220.00} ( means I paid off my hostile bill! ), they keep calling me to said they DO NOT receive the insure company 's check, and ask me to pay them another {$800.00}, then a lady in ARC finally figure out they already get the check! BUT this is not the end. I receive a letter from them on XXXX XXXX, it said I still own {$800.00}, I called back ARC, XXXX lady said they do n't receive the insure company 's check! My insurance company told me ARC already cashed the {$800.00} check on XXXX XXXX! 
I ca n't believe after ARC received all the money but they still deny they get the money and want me to pay XXXX.This is a big mistake their employee made and they want me to suffer that!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 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: PINNACLE RECOVERY, INC.
State: ID

Complaint narrative:
I was behind on my timeshare maintenance dues payments. I owed about {$1200.00} and I paid the past due amount plus the next months payment in full on Friday XXXX/XXXX/2015 on my original creditors website and they accepted as payment in full. The following Monday XXXX/XXXX/2015 I got a call from Pinnacle Recovery Inc. and talked to someone names XXXX. She said I owed about {$1500.00} for the account dues that had been handed over to them. I had not heard from Pinnacle prior to this ever and had already paid my original creditor in full. I explained to her that I had already made payment in full to satisfy the debt and there was nothing more I was obligated to pay. She continued to push the issue and stated I owe them ( Pinnacle ) {$300.00} additional because the account had been assigned to them. I had never heard anything from them or had any contact whatsoever before I made my payment to my original creditor. XXXX called me back about a week later and said that I still owed them the {$300.00} and I said no because the timeline does n't support their statements and I got my payment into my timeshare before ever hearing from them. This company is a joke!!! What do n't they understand about me already paying my debt. I sent certified letters disputing my case and sent emails with the payment confirmation I made on XXXX/XXXX/2015 to show as proof ( see attached documents ). I am really tired of these bottom feeder tactics and have notified my attorney just in case they continue to pursue this. Please see the attached documents showing the timeline of this. Also please note on the Pinnacle Document XXXX attachment the sentence that says " Please do not contact XXXX, The Club regarding this debt until the amount has been satisfied through our office '' I would have gladly followed the correct procedure and paid the debt through Pinnacle but I had already made payment in full to XXXX as seen in my supporting documentation and payment confirmation letter from Worldmark. I am not one to skirt the issue or find ways to be deceptive. I believe in following correct policies and procedures. What I do dispute and have objection too is companies like Pinnacle who try and take advantage of people and not look at the facts. I will not stand for this and and demand this be taken care of now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX XXXX agrees there should be no balance on my account. I have contacted them three times as of today to have this removed with Credit Control Corporation ( XXXX XXXX VA ) collections agency. They " elevated '' this matter with a XXXX request #. I had earlier disputed this matter with Credit Control Corporation who is reporting this as seriously delinquent and said it is correct collections account on their response to the credit agencies. I called and spoke with XXXX at Credit Control Corporation today who refused to take my information -- thus, they will still reporting my account as " seriously '' delinquent - when in reality according to XXXX at XXXX this should have been removed some time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 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: R & B Corporation of Virginia
State: AR

Complaint narrative:
Credit control corp has ruined my credit history, it prevented me from getting approved for home loan due to multiple agencies keep collecting and selling the same debt to other debts collector agencies making it look like i have more debt than i actually do, i already paid what i owe to XXXX that has sold my original account to multiple agencies collecting the same debt.it stills shows on my credit history and my wife as well even when i paid off my original debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Northeast Receivables Management, LLC
State: VA

Complaint narrative:
The employee or representative of the company called multiple times on XXXX XXXX 2015 accusing me of check fraud and theft and to file in courts of law where I live for said charges while trying to collect on a payday loan I have no knowledge about and for which they were asked to validate as of XXXX XXXX 2015. A XXXX XXXX called, was very rude and abusive in his approach, kept talking over me when trying to ask questions and respond to his, and threatened me with being taken to court for check fraud and theft both of which are criminal offenses and are not applicable in the civil case of a collection action. XXXX XXXX repeatedly called me after we spoke and I asked for validation of the debt, left messages on my phone that I needed to take care of it immediately, and called who he thought was my father on the morning of XXXX XXXX stating that I was in trouble for theft and check fraud and that I needed to take care of it immediately thereby defaming my character with his continued malicious and illegal collection practices. A letter was emailed to an email address as a reply from one sent to me, and a certified letter was mailed to the address of record on XXXX XXXX 2015 asking for validation of the debt and informing of their violations of law and improper tactics and practices. These practices are illegal, abusive, harassing, and unnecessary even of someone who does owe a debt in collection. They sent me an email claiming the letter attached to be a validation of the debt, which it was just a debt collection letter they should have sent in the first place and NOT a validation of the debt. They are in violation of FDCPA sections 806, 807, and 812 if not more.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient has been the worst company I have ever dealt with. Since graduating college in XX/XX/2009, I have been laid off twice and graduated in the worst possible job climate. With no other choices I had to put deferments and forbearances on all of my loans until that option ran out. At this point in time according to Navient, I have officially run out of options. The harassment of phone calls has been unbearable. My mom and I are both unemployed right now, fighting to stay afloat and they offer me no concrete solutions. I even did a joint phone call with my mom last month telling them that we have nothing to our name. They do n't care. I owe {$3300.00} in past due amounts and I 'm drowning. When I did have a job I was able to pay everything on time. For example, last year alone I paid roughly {$12000.00} back to them. What really set me over the edge was my last phone call with Navient. The representative said that I needed to pay {$900.00} to Navient or else they would report the delinquencies to the credit bureau. They do n't understand that I have NO MONEY. I am unemployed and barely surviving with my unemployment benefits. I borrowed the {$900.00} from a friend so that they would n't report my late payments. After paying them, I received an alert on Friday saying that they had reported late payments to the credit bureau and my credit score dropped XXXX points. I 've diligently worked over 5 years to get my credit score to where it is and Navient has not only lied to my face but has damaged the one thing I 've been so proud of. I feel like I have been robbed. I struggle severely with XXXX and XXXX and this company truly pushes me over the edge. I have no where else to turn. I feel so defeated from Navient. I will gladly return my diploma from college if it will stop the harassment and help ease my state of mind. Why wo n't a company help their patrons calling in begging for a solution???!!! Navient has failed me and my family and I would never wish this pain and suffering to even my worst enemy. Please, can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
This regards a car loan financed by First Hawaiian Bank. My girlfriend and I have been making over the amount of payments to pay down the debts. We made inquiries about why their records do not reflect the payments. They have not gotten back to me as why. On XXXX/XXXX/2015 the loan was for XXXX. I have applied at least XXXX or more not sure it could be more because my girlfriend made payments from her FHB first line in which the bank had ceased her account, without good reason. She has never been late for any of her personal line payments. But, XXXX from the car loan department was supplied with her first line account information requesting her to please cross reference payments that were applied to my car loan. This is almost a year and FHB car loan does not reflect all the payments made towards the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
On XXXX of 2015, I moved fromXXXX XXXX, XXXX XXXX ca XXXX to XXXX XXXX, XXXX XXXX, ca XXXX, my cable co now and then was XXXX XXXX, per thier instruction I left the cable 's equipments on the old home and paid my balance in full, few todays ago I tried to refinance my new home for better rate, I notice I had unpaid debt from XXXX that reported to Credit Controll, so I called XXXX and spoke to XXXX XXXX XXXX, after 10 minutes of researched he did locate the equipment at old resident and noted the account and reported to XXXX XXXX but due to error in reporting me to credit bureaus without notifying and now it costing me almost few hundred dollors amount, XXXX and credit Control must emmedaietly remove this costly reporting error to credit bureaus and FCPB make them to pay penatly for destroying my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Borrower of a Home Equity Line of Credit ( HELOC ) was approved for a Trial Loan Modification on XXXX XXXX, XXXX with an initial 3 month trial agreement that commenced XXXX XXXX, XXXX through XXXX XXXX, XXXX and payments of {$3300.00}. After the initial 3 month trial payments had been made by the borrower, the loan servicing company, Bank of America Home Loans told the borrower to continue making the trial payments until he received a permanent loan modification. The matter was escalated and finally on XXXX XXXX, XXXX the borrower received a package dated XXXX XXXX, XXXX with a " Home Equity Line of Credit Modification '' with instructions to sign and return the agreement by XXXX XXXX, XXXX. Upon calling the Bank of America representative on XXXX XXXX, XXXX to ask for an explanation of the terms of the agreement and to request how the " Trial Loan Modification '' payments from XXXX XXXX through XXXX XXXX would be applied. The Bank of America representative scheduled a follow up call on XXXX XXXX, XXXX and stated that there were mistakes with the calculations of the Home Equity Line of Credit Modification and that a new contract would have to be created, thus the borrower should not sign the agreement. The next call was scheduled for XXXX XXXX, XXXX as Bank of America would have some more details or a new contract. The call on or around XXXX XXXX, XXXX, simply said that no modification would be granted because the borrower never signed the original agreement. The borrower received a letter stating that the loan modification was denied. This letter was received on XXXX XXXX, XXXX but dated XXXX XXXX, XXXX

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