vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-12 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: FL

Complaint narrative:
I had ordered satellite service from XXXX. I took off work to be home when they made the connection. They did not show up. I notified them that I no longer wanted their service, Four days later while I was at work, they showed up to make the installation. I had a house guest present who knew nothing about the situation. She was tricked into signing for what she thought was certification that the installation was made. I never did sign anything, and my houseguest certainly can not sigh for me. I went through the whole difficult process of returning the equipment, which they denied receiving, until I produced the XXXX delivery receipt. They turned this in to XXXX who removed it from my credit, after I informed them of the situation. They now have used another collection agency, who turned it into XXXX, where it is on my credit again. This after I notified them with all this info. I believe that they have violated the law in this instance. This company is corrupt, and they attempt to keep customers trapped in a contract for inferior service with these despicable tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 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: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
XXXX Services do not allow for services to be rendered before being paid. This was a paid account. Somehow on XX/XX/XXXX they believe I owe an unpaid emergency services debt. I have never been to emergency with my daughter unless it was paid so this must be someone elses report. 


XXXX account reported on XX/XX/XXXXOpenAccount # XXXX $ XXXX Creditor $ XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNote

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 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: ID

Complaint narrative:
This was a XXXX bill that at least over 8 years old. They say that their client 's name is US Asset Management , Inc. EOS CCA and US Asset Management , Inc are the same company. 

I disputed the debt and it is still on my credit report with XXXX. 

XXXX ( XXXX, IL ) was trying to collect on this debt before. My guess is that they sold this after it went beyond the statute of limitions on collecting a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I signed a mortgage contract with XXXX XXXX XXXX on XXXX XXXX, 2002. Thirteen years later, I discovered mortgage fraud within the Promissory Note although XXXX XXXX XXXX had sold the mortgage to REGIONS BANK, As a result, REGIONS BANK participated in lack of transparency through illegal book keeping entries and propriety trading and bundling mortgages into Special Purpose Vehicle trusts as Collateral Debt Obligations on XXXX XXXX. This fraudulent activity is known as " securitization '', where the mortgage was already paid upon the receipt of the alleged borrower 's signature. Evidence of this fraud is attached copies of the Promissory Note. Notice how Copy A ( which the Defendant first signed ) lacks the signature of a bank representative. However, a close examination indicates the fact that a bank representative of XXXX XXXX XXXX had unlawfully endorsed the Copy B of the promissory note as a check with the " Pay to the Order '' stamp on it not only after I had signed it, but had did so without my knowledge thereof whatsoever and then REGIONS BANK sent a copy of it during the foreclosure proceedings. As a result, the promissory note was reported to the United States Treasury and Federal Reserve Bank as an asset ( See Exhibits ). These banks have not reported any of this transaction to the INTERNAL REVENUE SERVICE. This is an act of fraud, extortion, racketeering and tax evasion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I contacted this office for the second time today, Friday, XXXX 2015. The time was XXXX. I advised the representative that they were reporting on my credit report for a debt that had been discharged in a chapter XXXX. He still advised that it was an attempt to collect a debt. I then explained that I was not to receive any more calls regarding the debt and proceeded to provide them with the filing attorney 's phone number. Her name is XXXX XXXX XXXX and her office in located in XXXX, MD.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 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: PR

Complaint narrative:
Received a collection letter for a {$970.00} balance of a XXXX account. I 've never had a XXXX XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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: CA

Complaint narrative:
Afni XXXX has failed to respond to my letters. I have requested validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from Afni and they continue to report it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 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: EOS Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX. Final payment was paid on XXXX XXXX, 2014. Equipment was returned and the collector said that the charges were for " services '' and that the account was n't actually closed until XXXX 2014. We moved in XX/XX/XXXX to a new address. We also have XXXX XXXX currently so I 'm confused how we got service here and yet some collector has this as a debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX our bank sent us a letter requiring us to prove we have flood insurance ( due to a Heloc acct. ) .Because of misinformation received from XXXX XXXX, a third party vendor, that evaluates FEMA maps, the bank has charged us for insurance. We sent the required info to show we are not in a flood zone. This was verified in writing by a certified letter by XXXX XXXX and our insurance company.All this was FAXed to the bank per their request. Thru many phone calls, e-mail and faxes from us and our insurance agent, we are unable to get anyone to clear this up. Every time we contact them we are told they need some new form /document ( up to XXXX now ) in order to remove the charges. We have been to the bank several times and are told there is nothing they can do because it is the loan dept ( not the bank ) which is located in another state. The loan was opened in our state at our branch office!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
The collection agency, EOS CCA, states that I owe vehicle taxes for several years from the City of XXXX CT. I called the city to verify the debt. There are XXXX issues : the first is that the collection agency 's principal amounts ( pre interest and fees ) for each of the XXXX tax years is greater than what XXXX Office states. And the second issue is that the interest and fees are XXXX % XXXX % XXXX % of the inflated principal amounts. For example, principal XXXX plus interest XXXX plus XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
Years ago I had someone purchase a car with a cashier 's check. Car was gone and check deposited into my account at XXXX XXXX Credit Union. Few days later, money was withdrawn to purchase another car but found out later that the cashier 's check was canceled. Could not find the people so the car and the money were gone. I had lost my job and was unable to pay the debt to the credit union. They took it to small claims court and I had filed bankruptcy due to losing employment and divorce. Debt to the credit union has been discharged. I ended up moving to another state and tried to open a local bank account, but found that the credit union has me listed with Early Warning Services as a fraud user. I have several emails with the credit union explaining if I pay the debt they can release my name from the fraud list. This violates the terms of bankruptcy code as well as Fair Credit Reporting Act. I just would like my name off the list in order to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: EOS Holdings, Inc.
State: HI

Complaint narrative:
This company CALLED MY SISTER and claimed that they had that number as my personal residence. 

This is not true, had never been true, and they are in violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX, XXXX. saying they 're collecting a debt for {$160.00} that was acquired by XXXX XXXX XXXX. The letter also mentioned XXXX XXXX as XXXX. I have n't been in XXXX XXXX for more than 15 years but I called and made sure I did n't have any open accounts with them. I also replied to XXXX XXXX XXXX XXXX XXXX that the debt is unfounded and they replied back that the account has been closed. 

Today I received another debt collection letter from Common Wealth Financial Systems saying they 're collecting a debt for {$150.00} that was acquired by XXXX XXXX XXXX. 

It seems that XXXX XXXX XXXX. is selling bad/unfounded debts to debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 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: Ability Recovery Services, LLC
State: NC

Complaint narrative:
ABILITY RECOVERY SERVICES, GAVE INFORMATION TO MY SISTER FAILED TO TALK TO THE OWNER OF THE ACCOUNT AND ALSO THEY ARE CHARGING ME FULL PRICE FOR A SCHOOL I DIDNT EVEN FINISH BECAUSE I HAD BECAME XXXX AND DIDNT HAVE THE XTRA FUNDS TO FINISH THE SCHOOL AND I HAVE PROOF THAT I BECAME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Hello, There were 2 items on my credit report that were not mine and I disputed them. XXXX/XXXX/XXXX removed them. I now went back and noticed them reinserted on my reports under a new collection company " Commenwealth Financial SYstems ''. It was previously " XXXX XXXX ''. I was not informed by the agencies or by this new collection company who adjsuted the dates to make it look current as well. I ask for these 2 items to removed ASAP and I have not heard a word. They have not even verified if it was true information as we know it is not mine. Please help I am at the end of my rope dealing with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: Ability Recovery Services, LLC
State: AL

Complaint narrative:
I enrolled at XXXX University when I spoke to the advisor he advised me on the course work that was to be done ahead so I dropped the class ahead of the drop/add deadline. XXXX received money from the Federal Government and failed to return the money to Federal Student loan they in turn start calling to collect to XXXX from me that I did n't owe double charging stating that I did not drop in time the class was dropped on XX/XX/2015 and they did not drop me out the system until XX/XX/2015 along with that they added another class. At first I was going to pay just to get them off my back so I tried to settle they refused on several occasions to accept a settlement stating they would never accept a settlement. So I reached out to the federal government and they stated they had been paid in full on XX/XX/2015 for the one class in the amount of XXXX which was more than what the actual class was. The collection has refused to remove debt and XXXX has to as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
Recently I checked my credit report, and I saw that one medical item on my report. I was surprised how can the collection agency add an item on my credit file without sending me a notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
In XXXX 2015 my wife and I began VA refinancing procedures with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The loan was approved and we signed papers on XXXX XXXX, 2015, on XXXX XXXX, 2015 the loan was transferred to Green Tree. The refinance papers showed that XXXX months worth of escrow was held to pay for property taxes due on XXXX XXXX, 2015. 
On XXXX XXXX, 2015 I received notice from the XXXX County Treasurer that we were delinquent in paying property taxes. On XXXX XXXX, 2015 I called an agent with XXXX XXXX and was told they would look into the matter, and she confirmed that there was XXXX months worth of monies withheld to pay property taxes, I also emailed her a copy of the tax statement. On XXXX XXXX, 2015 I again called the rep. from XXXX XXXX and had to leave a voice mail, since I did n't receive a call back, on XXXX XXXX, 2015 I called and talked to another rep, and he told me I would have to call Green Tree. I did call the tax division at Green Tree and advised what the problem was and she told me it would take XXXX days to look into the matter and another XXXX days for a decision to be made, I told the lady this was not acceptable and asked her XXXX to talk to a supervisor and she told me no both times, On XXXX XXXX, 2015 I tried to make a written complaint to Green Tree, but with the subject heading Complaint in was rejected and I was instructed to call Customer Service, I was finally able to get the email to go through by putting a different heading for subject matter, today I got a return answer that the matter was being looked into and it would take XXXX days from the date of my notice to them to reach a decision, well past the date of XXXX XXXX, 2015 when XXXX County said a lien would be placed on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
COMMONWEALTH FINANCIAL SYSTEMS is collecting a debt for XXXX from 2011. I have never received a bill from commonwealth or XXXX i have requested documents requesting information in regards to original collector but have not been provided any information. I was advised that they dont have any information accept the name of the hospital not the location of the hospital, name of doctor nor a phone number for the particular hospital or doctor. I have confirmed with my insurance company they do not have anything on file of that nature. i have requested from Common wealth and the XXXX credit b. for proof of the original bill which nobody will provide me. XXXX closed out the debit however XXXX denied my request and adv me to contact the debt collector for more information however they are not providing anything either. I still have not received any bill with any information from Common Wealth or written communication nor phone calls prior to affecting my credit, I had to call them when i noticed my credit score dropped. They did not provide me an account number either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: D2 Management LLC
State: GA

Complaint narrative:
D2 Management Called today to inform me of a debt that I owed to a company that I know I had previously paid off. I became suspicious of the call when I was getting terrible customer service and she almost hung up on me when I stated calmly and politely that I needed her to send me information regarding the alleged debt, so that I could seek legal counsel on the legitimacy. At that point she said the only thing that could be sent to me was an agreement for payment plan. After that, I was told that since I wanted to talk to legal counsel, she would enter me as a REFUSAL and report me to the IRS.

Company response to consumer: Closed
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I temporarily became over 60 days late on my Greentree mortgatge for a rental property. Greentree sent and charged me for an inspector to visit the tenant occupied property. The inspector told my tenant I was in " forclosure! '' My tenant immediately called me asking many questions. I wrote Greentree 's customer service deptartment asking for the name of the inspector they sent because I wanted to file a complaint for releasing my private credit info to another person? I have not received any response from Greentree what so ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ref : Refinance Loan on XXXX XXXX, 2015 : This is an Formal QWR PMI bait & switch Complaint against " Ditech '' Ditech Financial LLC, XXXX # XXXX, A- Incomplete QWR and Fraudulent PMI Document ( Bait & Switch ). 
1. I received from first lender XXXX the original PMI a XXXX at closing XXXX XXXX, 2015 a document that specified XXXX of XXXX pages, but was ONLY given page XXXX of the XXXX pages. I was told by loan originator XXXX XXXX 's staff the PMI payment document reads the PMI can be cancelled after 2 years if no late payments and if the ( L/V ) Loan to Equity Value is enough to get 78 % loan to value ratio then the PMI cancellation application can be applied within a two year period. 
2. When I applied for an application form Ditech, they did a ( Bait and switch ) and submitted a totally different XXXX PMI document and has denied the PMI can be cancelled in 2yrs and Ditech NOW claim the PMI can ONLY be cancelled in the year XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WV

Complaint narrative:
Ditech mortgage, how many complaints is it going to take to have cfpb do something about this company? 
This company holds a note on a property next door, abandoned, health and safety issue, drug den. I cant get insurance on my home due to this property, owners are gone for the last XXXX yrs. no payments were made for XXXX yrs. no forclosure. I offered to buy it to tear down, asked them to fix it or tear it down. called several times. told them I was recording the call they hung up immediately. { thought it was funny they always say we are recording this call for quality } lmaof. I feel companies like this should be held accountable for their and wonder what cfpb can do about these complaints. with the number of complaints, I would think something has been or is in the process of being done. 
Yes I am getting legal rep. at this point. I am also logging complaints with every agency and my local and state representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I have an Escrow overage payment owed to me from my mortgage company, Ditech Financial, who refuses to send me the money because my account with them is past due. The overage comes from their Escrow Cushion. They are telling me that I can not withdraw from my escrow, if my mortgage is past due. An overage is no longer a portion of Escrow, once it 's declared to be, overage. I am asking Mortgage Servicer to simply move my overage funds to the unapplied funds account, that way I can use it to help catch up on my payments owed toward my mortgage. The fact that they wo n't either return my overage money or shift it in a way so that I can use it to pay my overdue balance down, seems like a way for them to keep my money and push my home into foreclosure status. Please help. I just want my money allocated towards the mortgage payment.

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