vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-19 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: TN

Complaint narrative:
Afni Inc is reporting on all XXXX of my credit reports as a paid collection. I paid the outstanding balance of {$460.00} directly on the orginal creditor website which was XXXX XXXX. XXXX is not reporting the debt to the credit bureaus. Since I am current with the orginal creditor and they are not reporting to the credit burreaus ; I do not understand how the collection agency who did not collect the funds from me can report this as a paid collection. 
I have tried to correct this by disputes on my XXXX credit reports. I also filed a better business Bureau compliant. All responses from Afni indicated this will stay on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I opened an account with XXXX XXXX XXXX around XXXX Used the the account to deposit funds, used my card for gas that day after work. The very next day tried to use my card at the ATM to deposit my check and was told my accounts were closed. I went into the branch and talked to a banker who stated that my account was closed due to Early Warning services and XXXX XXXX. I was unsure what this meant. I was given their number, so I called and told that XXXX XXXX XXXX closed my account after a second review. The review showed I had an account opened in XX/XX/XXXX and placed on their for owing. I disputed the activity on my record after trying to open another account, i was then told that XXXX XXXX XXXX also placed me on Early Warning services for that account that was closed 2 days after opening for being XXXX over limit, it was over limit because they refused my deposit ( which I also paid that balance the same day ). I also disputed XXXX claim it was investigated and the only response I got back was the report stand. I dont know what else to do and i need to manage my life and have a good bank behind my financial needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank rearranges the posting of items to checking accounts in order to collect higher overdraft fees. I had transactions from XXXX/XXXX/2015, XXXX/XXXX/2015 & XXXX/XXXX/2015 leaving a balance of a little over {$12.00} in my bank account. All those items should have moved from pending and been posted to my account, as they show they were on XXXX/XXXX/2015. A new transaction, dated XXXX/XXXX/2015 in the amount of a little over {$44.00} show as pending on my account. The bank then rearranged all the items, to pay out the XXXX item for {$44.00} and then paying several smaller items, therefore ; charging a total of {$140.00} in overdraft fees. Their explanation is that their practice is to pay out the largest items XXXX so that mortgages, rent payments, car payments do n't get turned down and then pay the small items. This makes no sense, as no matter what, I have the setting on my account that all items get paid regardless of funds, so nothing would be turned away. In addition, the smaller items were already moved from pending on the XXXX and the higher item came in on the XXXX ; therefore, they are putting this item before other items already posted to my account. Upon contacting them, they refuse to do anything. This practice is taking advantage of peoples misfortune and only benefits the bank by allowing them to rearrange items in order to allow them to charge several overdraft fees as opposed to only XXXX. My overdraft charge should be for XXXX item for {$36.00} instead, it 's {$140.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AFNI INC.
State: IL

Complaint narrative:
I have an agency in XXXX Illinois by the name of AFNI constantly calling me at my place of employment. First they called for my mother and now calling for me. I dont know what this debt is regarding but they have threatened legal action to my co workers on my behalf and i want this harrassment to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have been recently checking my credit reports and I have found that Automobile Acceptance has reported inaccurately among the XXXX credit bureaus, XXXX, XXXX, and XXXX. My credit reports show on XXXX as never been late for XX/XX/2016, but XXXX and XXXX show late. This information on XXXX and XXXX is being reported incorrectly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
GE Capital declined a loan application for a Bobcat vehicle on XXXX/XXXX/2015. They have repeatedly and consistently refused to provide me with information about why they declined this application and where they got any information they used to decline. They financed an identical machine for me about 6 months earlier. One of my local bankers checked my credit report the same day and reported that my FICO score was XXXX, as it should have been at the time, and that there were no derogatory comments listed. I 've received XXXX communications from GE CAP. 28 days after the decline they senbt me a letter stating that if I wished to know why they declined I would have to send them a written request. I did so even though Federal law requires them to have notified me of the problem within 30 days without any action on my part. I received no further communication from them until I filed an internal complaint with GE through my payment contact. I then got a letter two days later stating " Delinquent past or present credit obligations with others '' and The decline was based on limited and poor credit on the company not your personal credit. " They provided no further information as to where or how they have gotten what must be incorrect information. I can not fix the problem when they refuse to tell me where it came from. They 've refused to respond to repeated emails and there is no phone number to reach those people that even internal GE CAP people can find. I 've been told that all I can do is snail mail the address the letter with no useable information came from. And I get no response. GE CAP has consistently and repeatedly refused to comply with Federal law by refusing to tell me where they got information which they used to decline this credit application. 

Application # XXXX Date XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
Century 21 Mortgage have a mortgage service center call PHH Mortgage that handles all their Mortgage. In around, 2010 I was delinquent on my Mortgage and they gave me a government program with a 2 % interest remodification and at the end of the the tax year I was sent a XXXX with around {$100000.00}. After I was paying my Mortgage on time for a while I was sent a letter with XXXX of checks I had sent saying the amount for mortgage has now change and I need to get in touch with the mortgage lawyer and and see how much I need to pay to be current I was tolded by the lawyer {$16000.00} of which I had about {$6000.00} money sent back by the mortgage company and being delayed in the mail. The mortgage company decided to work with me to become current sent all the document with the correct principal and amount we would pay monthly. We setup a separate account and wait for the direct withdrawal of the new mortgage to my surprise money sat in the account for XXXX months when we call the mortgage company that told us that their was an error on their part and they short the principal {$100000.00} which can only mean they are trying to charge me for the {$100000.00} they had already got credited for. I tried getting it resolved but the company kept changing the agents that I dealt with in the early years of the mortgage, so its hard to track to see when the figures increased and decreased on account of errors of numbers so now my mortgage principal is {$100000.00} over in valve and company refuse to remove the error so we can get our montly payment back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Nationwide Biweekly Administration, Inc.
State: CT

Complaint narrative:
After purchasing our second home, we were solicited by Nationwide Biweekly Administration , Inc. and offered a lifetime membership with them for a fee. They were to provide a service that paid our mortgage bi-weekly promising to payoff our 30 yr mortgage in 23.9 yrs. They also promised to conduct an annual audit of our mortgage company 's accounting for our mortgage yearly, upon our request, AFTER the anniversary date ( XX/XX/XXXX ) each year. Having XXXX homes, we agreed to sign up for both our mortgages on XXXX/XXXX/14. As the first year of service was approaching, we began getting bombarded with notices that a third party bank would no longer do business with them and through no fault of their own, they temporarily could not continue to provide services in accordance with our contracts and they could not refund any portion of the fees ( {$740.00} & XXXX ) b/c it is a lifetime membership. Attempts to contact the company were not successful. We began getting & continue to get further solicitations for another product they offer called XXXX XXXX XXXX and these advertisements compare the savings of their XXXX XXXX program, costing {$2600.00} to {$4900.00}, to their biweekly program and they state the biweekly program only takes 4.2 years ( 50 months ) off the term of the mortgage. The original solicitations in 2014 for the their biweekly program stated the program saved 6.1 yrs ( 73 months ) off the term of the mortgages. The current offers for the XXXX program starts with, " We hope to have your biweekly program reactivated soon. '' then it ends with saying they will give us credit for the fee we paid for the bi-weekly program to be put toward the fee for the XXXX program ( {$2600.00} to {$4900.00} ). This is fraud and this company is getting away with ripping off a lot of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 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: OR

Complaint narrative:
The original creditor is XXXX, arising from a final bill from an apartment that I moved out of in XXXX XXXX. In XXXX XXXX I received a letter from a debt collector asking for payment of {$140.00}. I mailed a payment via my credit union 's bill pay on XXXX/XXXX/XXXX for the full amount due. The letter, which purported to be from an attorney 's office in XXXX, TN, instructed to make checks payable to XXXX XXXX. 
In XXXX XXXX, I received a bill for the same amount from a separate collection agency for the same debt. The agency is Afni, Inc. After double-checking that I had already paid, I assumed they had some wires crossed, so I ignored the bill. 
Today I received another bill from Afni, so I called them to explain that I had already paid the bill. They are demanding proof from me rather than checking with XXXX. Because the payment was made via bill pay, I will have to go into my credit union branch to get a copy. This will be time consuming and annoying. I feel the burden should be on the collection agency to ask their client to double check their records. In the meantime, my credit score has been harmed by the report to credit bureaus by Afni.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I purchased a XXXX Volkswagen on XX/XX/XXXX and was financed by Regions Bank. My first payment began XX/XX/XXXX. To date, I have requested by phone, email, and postal mail that someone from that company to please send me an itemized statement of all payments received and have not received any response. The car payments was not initially behind until XX/XX/XXXX. I could not understand how the car payments had become behind. I had made several payments in cash at the local branch banks and they were not all calculated correctly even after I submitted receipts of payment. I even emailed the accounts manager at the local branch in XXXX XXXX and there have been no adjustments. This company is continuing to take my money and then report me to all three credit bureau 's as consistently late. I need help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24 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: WA

Complaint narrative:
I have never had my own XXXX account!!! 
XXXX XXXX XXXX XX/XX/XXXX Open {$130.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency AFNI Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$130.00} High Balance {$130.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details AFNI XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 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: The Receivable Management Services LLC
State: MD

Complaint narrative:
I cancelled my hazard insurance policy ( Policy No : XXXX ) with XXXX on XX/XX/2016 because I found a better policy. The policy was active from XX/XX/2016 XX/XX/2016. The balance for this month was {$92.00}, which I paid on XX/XX/2016 ( confirmation no : XXXX ). XXXX took the money out of my XXXX account on XX/XX/2016. They then sent me another bill on XX/XX/2016 for the {$92.00} that I had already paid. I spoke with XXXX @ XXXX and faxed to her a copy of the confirmation receipt that XXXX emailed to me ( fax no : XXXX ). I thought everything was taken care of but on XX/XX/2016, I received a letter from Receivable Management Services ( RMS, a collections agency ) stating that I owe {$92.00}. I called XXXX and spoke with XXXX. I then called RMS and spoke with XXXX and emailed her a copy of the same receipt I sent to XXXX + copy of my XXXX statement showing the payment. I called XXXX and demanded to speak to their XXXX, XXXX. I left him a voicemail but he did not call me back. I followed up with XXXX on XX/XX/2016 and spoke with XXXX She stated that my account was " closed as of XX/XX/2016 '' and that no balance was on the account. The date did not make sense but I was satisfied hearing that my account was closed. BUT on XXXX, I received a call from RMS Collections, this time from XXXX, stating that my account was not closed and that I still owe {$92.00}!!!! This company is harassing me for a balance that was PAID IN FULL. RMS Collections has the ability to report this bogus claim to the credit bureaus and I have plans on refinancing my home in a few m months. I have attempted numerous times to speak with the manager at XXXX but nobody is calling me back.

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 non-monetary relief
Consumer complaint received 2015-06-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I purchased a XX/XX/XXXX Chevy Silverado XX/XX/XXXX from XXXX in XXXX. I test drove the vehicle and it appeared to be sound. I drove the vehicle to my job location XXXX. Upon arrival the vehicle began hesitating and dying at stop lights. I checked the oil and it was down XXXX quarts. The engine light came on. I topped off the oil and noted the oil light was acting irregular. In XX/XX/XXXX I put my vehicle in the shop. The shop confronted me and said the oil sending unit was bad. It remained in the shop for XXXX week until the repair was made. Later that month I was experiencing the transmission shifting irregular and not changing gears until reaching high rpm. The vehicle died at the stop lights or upon breaking abruptly. I constantly checked the oil and after XXXX mile trips it would use XXXX quart of oil. At the end of XX/XX/XXXX I put the vehicle in the shop for XXXX weeks into XX/XX/XXXX and they replaced a motor mount, oil valve cover gasket, replaced the spark plug wires and spark plugs and the shop did a drip into the pistons claiming the rings were seized. Than seemed to address the oil consumption. I was still having issues with the transmission after XXXX miles dying coming to stop changing gears at high rpm. I drove back to XXXX. and took it to XXXX on the XX/XX/XXXX. On the XX/XX/XXXX they told me that the torque converter was fried. A Superior agent approved a used transmission from a wrecking yard on the XX/XX/XXXX. On the XX/XX/XXXX the truck was picked up. I paid the XXXX deductible. 
On the XX/XX/XXXX we traveled to our kid's house XXXX for the weekend and encountered the very same problem with the transmission. We stopped in XXXX for gas and the truck would not start. XXXX towing came out with a wrecker and hauled our vehicle XXXX. We had to rent a car XXXX to return back XXXX where we are working.         We got the truck in too XXXX. The service manager called this morning and stated that XXXX lifters needed to be replaced. He quoted XXXX for the repairs. When I asked him about the transmission he said they had to replace the lifters XXXX. I spoke to XXXX who is the Service Manage XXXX.
I purchased a service plan with the vehicle. They would not honor my past repairs and they are dragging their feet on the repairs to the Vehicles' transmission. We had the extended warranty plan, Superior Plan, on the truck  
I have owned this vehicle paying XXXX per month going XXXX months. My repair on this vehicle is well over XXXX bringing the monthly payment to XXXX per month not counting the cost of the transmission repair XXXX 
I have had to rent vehicles while my truck was in the shop in the amount of XXXX on XXXX separate occasions. The rental were XXXX days at a time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Allied Collection Services, Inc. (Nevada)
State: AZ

Complaint narrative:
Allied collection services ( ACSI ) harassed me by calling repeatedly often times back to back. 
I spoke with XXXX at ext XXXX today and was told, " my account will be reported as delinquent to the credit bureaus TODAY. '' I asked her how she knew for sure and she told me that because my account was with them for 30 days, it could report any/ each day. When I asked if I could make a payment free of charge, she said no. When I asked if I could pay sprint directly, she said, " no you can not pay them because they can no longer access your account. '' When I asked if I could mail in a payment, she told me to mail it to XXXX directly. I questioned her about her contradiction and was told that they could abrupt my payment, but I could not pay them directly. I asked for an address to send a money order again and was given a general address for ACSI. 
Upon hanging up with XXXX, I immediately called sprint directly, spoke to an agent and made my payment. That agent assured me that the payment info would cancel ACSI 's collection attempts. ACSI/XXXX egregious and belligerent lies and tactics are completely unacceptable! They should be fined for such behavior or at the very least, we as consumers should be afforded some kind of recourse against this disturbing behavior demonstrated by allied collection services Inc

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I have asked Credit Central in XXXX, Al not to call me between XXXX and XXXX while I am at work. They continue to call me at least two times a day. I could lose my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation