vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
I am a victim of a well document identity theft. The original creditor recognized the identity theft and the MULTIPLE previous debt collectors have recognized this as well and have ceased collection efforts and removed any negative reporting on my credit file. This debt collector bought this debt for pennys from a previous debt collector who acknowledged this debt was invalid due to it being tied to the identity theft. I have had to involve the CFPB for previous accounts opened in my name. I have attached a letter from my bank which details how the identity theft began as well as a letter from another debt collector regarding another account opened due to identity theft and their removal of the debt proving that the identity theft happened and this debt is not valid. This debt is not mine and is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
While signing up for a checking account at Regions Bank, the banker asked me if I would like to opt-in or out of overdraft protection. The camera on my motorcycle helmet was left on, though not intentionally, and recorded me verbally telling the banker to opt-out of overdraft protection. So I go home and notice I have a hard inquiry on my credit report and states from Regions Bank. I also noticed through my online banking profile that I was enrolled in overdraft protection. It was confirmed that Regions Bank would only do a soft pull and it would not show up on my credit report, but since I was enrolled by the banker into overdraft protection without my legal consent it resulted in a hard inquiry instead of a soft. So now my FICO score has dropped by XXXX points and will take it months for it to recover. Time in which will set me back drastically as the inquiry will stay on my credit report for 2 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19 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: GA

Complaint narrative:
XXXX equipment was returned prior to my being contacted by collector. Collector was informed that I had received a confirmation of equipment having been returned, whereupon he hung up on me. Meanwhile satellite provider began to bill me for service that was cancelled several months before. My new satellite provider had disconnected the equipment that was returned when my old service was discontinued. But, old provider did not send the boxes for return of their equipment for several months! XXXX was paid for all service I was provided and nothing is due to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 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: SD

Complaint narrative:
XXXX debt is reported XXXX by AFNI as XXXX seperate debts and again by XXXX XXXX XXXX. XXXX debt is on my credit report XXXX times ( XXXX by same company AFNI ). I do not understand how they can do this! It hurts my credit report by showing I owe more than the actual amount of only {$210.00}. The original creditors of XXXX and XXXX XXXX are the same debt as the company sold and sold all debts to XXXX. It should only be XXXX collection account for {$210.00} showing original creditor as XXXX. Can the XXXX reporting of the same debt be dealt with since it is just incorrect information. I have n't even been contacted by the collection agencies showing on the report just from the original creditor a long time ago. I am not paying the same bill XXXX different times!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My complaint is that Regions Bank conducts fraudulent business practices, specifically reordering of transactions and giving fraudulent account balance information. I had a positive balance in account as of XX/XX/2016, made several transactions from account on the XXXX. Checked balance on the XXXX which showed positive balance after those transactions of the XXXX. Made an ATM withdraw on the XXXX which put account into negative status and understandably incurred an overdraft fee. Checked account on XXXX to find transactions reordered which cause my account to incur multiple overdraft fees instead of one fee.

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 monetary relief
Consumer complaint received 2016-06-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AFNI INC.
State: MI

Complaint narrative:
I 'm not sure what this debt is I know it 's from XXXX XXXX XXXX I had a cellphone with them. I 'm not sure what this debit is for and why it is collections and the first place and it has been in collection for 3 years I do n't think the amount is correct or Accurate. I think I am being over charged for aw service I never used I want proof and how it is this amount. Where is my signature at? Did I agree to this where the terms and fees accepted and explained to me correctly because I do n't think they were and I think I 'm being over charged for a service I never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 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: CA

Complaint narrative:
I made a complaint about this debt not being mine through XXXX and now it is showing on my XXXX credit reports. This debt is not mine. I do not know whos account it is. but now it is affecting all XXXX of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 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:
This issue pertains to Regions bank and their overdraft coverage policy. 

For the past 3 weeks I have been making countless calls and visiting the local branches to try and have this resolved. In doing that I found out a lot about Regions and their workings. 

This all started because I went out of town on business and had to use my debit card for the hotel stay. Because the hotel put a hold, it caused many transactions to overdraft. 

XX/XX/2014 I turned off all overdraft coverages and protections, to avoid any charges being taken. I do not agree with this overdraft coverage and do n't ever want this on any of my accounts because it 's a negative tool. 

When asking Regions representatives and officers how did this coverage get turned on my accounts, their words were " We do not have a way of finding out how it got turned on. '' To me that was strike XXXX, that your systems do n't have any indication. 

Secondly, they sent me on quite a bit of running around the city. As I visited the XXXX branch, they advised me I would need to see a next level advisor in another branch on XXXX XXXX XXXX, keeping in mind that is 30 min travel to that location. I promptly followed their suggestions, and upon arriving at this location, their representatives inform me, that the other branch had mis informed and XXXX XXXX Branch could not do anything either. 

Now I jump to their phone reps, upon going through numerous calls, which I have logged. As I ask the representatives how did this coverage get out on, he advised me that only customers and no Regions bank officer can change that. I have been told so many stories and seen with my own eyes that they do whatever they please with overdraft protection. I lost close to {$300.00} in fees because they do n't understand what 's going on and how this protection got placed. 

For Regions as a financial institution to do this is extremely unacceptable and I did some research and found out this is not the first time Regions does overdraft maneuvers that affect their clients.

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 monetary relief
Consumer complaint received 2015-05-09 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: EOS Holdings, Inc.
State: CA

Complaint narrative:
I have made several complaints, about XXXX XXXX XXXX and their deceptive business practices. After, numberous complaints. I have made through your services about XXXX XXXX XXXX. Examples are as followed : A class-action 3rd Party suit, Identify Theft through using XXXX email DSL service, and underground wiring that XXXX XXXX XXXX refuse to spend the money to fix. I am still receiving from XXXX XXXX XXXX attempts, to collect a debt from their 3rd party collection agencies that they continue to submit. I have done everything, in good faith, to attempt to resolve this issue with XXXX & XXXX They have continued to be deceptive about the active lines, that were present in my home. Where XXXX of the lines, was a business line and years ago, I use to trade on that line. It was disconnected, but still active, in my home. The phone number was recycled to a XXXX restaurant, but still active in my home under that same number. The personal line, was just disconnected recently, after having the number for almost twenty years. Upon XXXX disconnecting the number, I was receiving messages that I can no longer make international calls. I have never made any international calls. These, international calls, are connected to the underground 100 year old copper wiring, that have never been repaired. Also, even after explaining, to " my '' local Board of Supervisor 's, that the green boxes on the corner -controls not only, the timing of the crossing signals, but also, the under ground-wiring to homes that were built in the XXXX 's. It, would cost XXXX XXXX XXXX, more money and it would not be a Quick Fix for it to be repaired. I am tried of being Impacted by XXXX XXXX XXXX, ineffective infrastructure issues, and what ever it takes to fix this issue for not just me but those that are attempting to use this service when the underground wires are on my property. I have also included the pictures in a XXXX Blog!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC.
State: AL

Complaint narrative:
A collections from AFNI, Inc. showed up on my XXXX credit report this morning dropping my score XXXX points. I am currently in the process of buying a house and this will cause delays as well as other issues. I called AFNI and they could not tell me what this debt was for other than I had paid off a collections to them in 2013. I was then told a supervisor would be in contact with me shortly to address this issue. No contact as of yet ... .. I feel as though I may need an attorney as this seems to be a reoccurring issue with this company..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: CA

Complaint narrative:
First I do not owe this debt. 
Second I received a letter stating that AFNI would call the debt paid in full if I paid XXXX % of the debt Third, I received a letter that the XXXX % was received but now I still owe the other XXXX % this is a clear violation of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was contacted by an individual who told me he was the IRS and that I had a warrant for my arrest and if I did not pay him money that I would immediately be arrested. He told me I was not allowed to contact a 3rd party about the issue or disconnect from the phone call we were on or I would be considered uncooperative. He then instructed me to go to the nearest XXXX and buy XXXX {$500.00} prepaid XXXX gift cards to pay to have my warrant lifted so that I may begin a payment plan for the nearly {$6000.00} that he said that I owed. He gave me a badge number as well as other professional sounding information. I ended up doing the first {$1000.00} in cash because he told me to go to the bank first. I did the other {$1000.00} on my Regions bank debit card. I finally got fed up when they said I had to pay the entire thing in full and told them I will just have to go to join because I do not have it which I did n't. I was very scared when this was happening. I hung up the phone and went immediately to get my boyfriend from work and told him about what had happened. He told me this had to be a scam so he told me to go to the Regions bank to have them put a stop payment on the {$1000.00} since I actually used my card.When I got there they told me I was the 3rd person this week alone that had came in with the exact same story. He said there was nothing that they could do. I then went to file a police report with the economic crime unit at out jail/ police station where they told me this is an ongoing scam and that it has been a very active one recently. They gave me instructions on what steps to take about my identity and to try to get back the money I lost. When I called the fraud agency they instructed me to file this complaint and that this was indeed something you guys could help me with due to the nature of the fraud. The economic crimes police report is # XXXX their contact n # is 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
Consumer complaint received 2015-08-10 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: MO

Complaint narrative:
I received a call from EOS CCA in regards to a delinq tax bill. I answered and no one said anything, when i returned the call on XXXX at approx XXXX I spoke with XXXX. i was a little skeptical per not receiving anything notifying me of the debt that has been owed for XXXX years and when returned call she answered as though she had called me after finishing her conversation ( I 'm guessing with another rep ) she was very sarcastic and condescending. I agreed to pay after verifying was a legitimate company and asking numerous questions. I specifically asked more than once if payment can be post dated on a debit card and that the payment was set for the XXXX of XXXX she kept saying that is correct. ( The call really needs to be reviewed ) I instantly received notification that the funds had been debited immediately. I obviously returned the call and spoke with a supervisor that advised I would need to send in proof payment was made after he verified the debit payment was made and was noted in the system was supposed to be debited out on XXXX ... needless to say I was very upset by this he stated he would contact the MO dept to verify and contact me back. I have yet to receive a response and know my rights have been violated per the FDCPA b/c I did NOT authorize the payment to be debited from my acct on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
Withdrew funds from my XXXX XXXX bank account for {$2000.00} when I had not authorized them to do so. Bank reversed transaction since I did not have the funds available. I have since changed bank accounts and continue to be harassed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Clark County Collection Service
State: NV

Complaint narrative:
I had a XXXX bill from a former employer for {$500.00}. plus do n't remember the exact amount XXXX and clark county collections XXXX aquired the debt. i made payments and notified them that I was switching jobs and when I received a check the next month, I gave them a payment and have paid them every since. they are charging me an extra {$600.00} to {$800.00} on the original amount. I explained to them in the beginning that I was a XXXX worker and my work varied they said they would work with me but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently found out that regions bank place an overdraft fees of {$110.00} on XXXX, I called them today to send me my last statement as I never wrote a check or cause any overdraft fee, I closed my account with this bank, but instead of them closing my account they kept it open and then charged me two overdraft fees because I did not have the amount to maintain this account, and to know this is a wicked bank, I was never aware of this until last week when I went to open an account I found out that region falsely my account and place {$110.00} overdraft on my account, not {$1000.00}, not {$5000.00} but a fees that they imposed on me after I requested them to close my account

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 2015-10-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I tried to open checking account with XXXX and was denied based on information provided by " Early Warning Services , LLC ''. Information, I believe was inacurrate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: NM

Complaint narrative:
Original debt to physician apparently was not paid, although I was on a payment plan through the hospital which began in XXXX and paid in full in XXXX. 

In XXXX I made an agreement with the first company to purchase the original debt as I was told that the physician was never paid but that the hospital had been paid. I held to my end of the bargain that was offered. 

Now, nearly 2 years later, a third party has bought the debt, in the original amount. They threatened to put this on my credit report, which they have, and they will not listen to my story. 

I was unemployed and uninsured when I was admitted to the hospital with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Ability Recover Services, LLC has repeatedly reported to the XXXX credit bureaus that I owe a debt that was paid to the original creditor by insurance. I have called them 4 times to resolve the issue and after they stated they would remove the debt from my bureaus, it has now reappeared on XXXX. When I call them to ask them why, they tell me that I " probably '' still owe the amount even though they have sent me an invoice that shows it was paid by insurance to the original creditor. The original creditor submitted an invoice to me that shows that it was paid as well as their payment company, XXXX. My last communication with Ability Recovery Services was today XX/XX/2016, over the phone where the Manager stated to me that I needed to speak to the person who is handling the account who is under here and that she believes that I still owe the money even though there are " paid '' invoices on file. When I tried to explain to her that I had received an invoice from the original creditor as them showing that there was a XXXX balance, she put me on hold for over 20 minutes. I have sent this company a request for validation of the debt pursuant to the Fair Debt Collections Practices Act 15 USC 1692g SEC. 809 ( b ) by USPS mail with signature required delivery but they have not responded to that request. They have only sent a generic letter or verification which ironically had the invoice that shows the debt was paid. On XX/XX/2016 their representative XXXX stated that the error would be removed from my credit reports and that it would not be put back on them. On XX/XX/2016 I received a notice from XXXX that the debt was placed back on my report by Ability Recover Services LLC. To date, they have continued to tell me that I need to contact the credit bureau 's and dispute with them and the credit bureaus tell me that I need to call the company that is reporting the negative file to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 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: TN

Complaint narrative:
i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation

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