vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: NY

Complaint narrative:
Defendant-Nationwide Biweekly Administration, INC. 

comlplaintant- XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX a lawsuit was filed against defendant by you. i have been using their service for several years and my account was suspended on XXXX/XXXX/2015 without my knowledge. i would appreciate any information available to you and if I am included in this suit. I would also like to know what my rights and responsibilities are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
On or about XXXX/XXXX/XXXX the XXXX store in XXXX NY sold me on the idea of changing my cell phone and associated service plan. The premise of the sales pitch was that a combination of promotion offers and discounts I could get a new and better phone fo the same monthly fee. I would have to give up my existing unlimited data plan in the process. I accepted this proposal. 

Fortuneately we wrote down line by line detail how the resulting bill would be structured. Over the first XXXX bills XXXX deconstructed the conditions of this deal. I have retained the originally structured promised billing and email with the XXXX store employees discussing the breach of the same promised billing. XXXX baited and then switched. 

By XXXX XXXX it was obvious XXXX would not honor our agreement. On or about XXXX/XXXX/XXXX I settled my service bill and paid the balance owed on my phone in cash at the same XXXX store. This phone was reactivated the same day across town with an honorable carrier. 

It was XXXX that breached the trust of our arrangement. I believe what they are seeking is a punitive charge for the argeement that they broke.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 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: PA

Complaint narrative:
I have received several phone calls over the past few weeks from this company and they never leave a message other than breathing into the phone. Called them back today and I asked the nature of their business and they stated they " dealt with private matters and could n't reveal that to me ''. I then gave them my phone number to see why they were calling me and they claimed I owed an outstanding debt for a XXXX XXXX account ( which has already been dealt with ). I informed the woman of that and she got very belligerent, called me a liar, and stated that I owed them money and I had to pay them now or else they would be filing a lawsuit. She then demanded I confirm my address and give her my credit card information. When I told her I would n't be giving her that over the phone she proceeded to yell at me and tell me that " it 's people like you who make me sick. Just give me your information so you can pay your bill ''. I repeated that the bill was paid and that I would be reporting them and she said to please do. I also demanded they stop calling me and she said she could only do that once I confirm my address. I threatened legal action if I received any more phone calls, at that point she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I paid off my XXXX account in XXXX with EOS-CCA from XXXX a debt collector from XXXX. I settled and paid my debt in full under the terms that EOS offered me. 
I am applying for a mortgage and need to have a letter sent to me showing this debt has been settled and need this to reflect in my credit report. My account number is XXXX. 
They refuse to report the debt as paid in full and keep stating it is XXXX 's duty to do so. I have contacted XXXX and they tell me it is EOS_CCA responsibility. I do n't know who to believe. 
I need a letter to be sent to me that I have paid this off and I need to have this information reflected on my credit report as soon as possible. Thank you. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: EOS Holdings, Inc.
State: GA

Complaint narrative:
my identity was compromised in the past i had to change my debit card and all other accounts linked to my name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 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: CO

Complaint narrative:
I had an outstanding debt with XXXX XXXX. I settled this debt with a different collection agency a long time ago. The information was verified and is reported correctly on my credit report. However I continue to get calls from EOS CCA trying to collect {$110.00} for a XXXX XXXX debt that has already been resolved. This agency is harassing, rude, and does not have valid information and continues to try and get my personal payment information for a debt that has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
As of XXXX 2016, My wife and I have reached a payoff settlement on a 2nd mortgage / home equity line of credit with Regions Bank. The funds were received by the lender and the lien plus judgement were removed. The lender has not however removed the negative items listed on my credit reports which has a very negative impact on all other aspects of my financial affairs and since this was paid as agreed, I should not continue to suffer as a result of what was predatory lending practices.

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 2015-12-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: CA

Complaint narrative:
I do not have the documentation to confirm that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have been making monthly payments towards my student loans about 3 years ago. My situation changed a little over a year ago. I contacted Nelnet to discuss my options. I decided to go with the repayment earn as you go program. I was told there is a {$690.00} application fee but if I join now, My application fee would be {$590.00}. However, my application would not or could not be processed until my fee was paid. I was also told this fee could be made in monthly installments. So, since XXXX, I have made XXXX payments of {$190.00}. I submitted my application soon after I hung up the phone initially in XXXX. XXXX payments later I received a letter from Navient stating my application was being processed. I called them to discuss that letter, but did n't get through. I called Nelnet to see if my application was being processed. They said no, that they never even received it. This was in XXXX. After XXXX 's installment was auto drafted from my bank account, I called Nelnet again to see where my application stood. Again, they claim to have never received it. I then called Navient and got a hold of a lovely woman named XXXX who explained to me my application was indeed being processed. She also informed me Nelnet was no longer my provider and I should not have been asked to pay anything regarding an application fee because the service I was paying for is in fact free. She proceeded to give my phone numbers to people who could help me get this resolved. I am attaching documents from my bank showing the XXXX installments I made in the amount of {$590.00}. They are in a different name ( ACH XXXX ... ) than the Dept. of Education I usually made payments to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: State Collection Service, Inc.
State: VA

Complaint narrative:
Received XXXX services from XX/XX/XXXX-XX/XX/XXXX. XXXX received in XX/XX/XXXX did not appear to have proper insurance reimbursement and network adjustment through XXXX. Contacted XXXX and provider. XXXX response was unclear but blocked further inquiry. Began monthly letters to provider ( XXXX XXXX ) asking for clarification of charges. Provider only responded with additional invoices which had different amounts almost monthly. Received occasional phone calls from provider rep who agreed to look into the account but never submitted requested information. Engaged a medical billing dispute firm in XX/XX/XXXX. They also did not get the requested information. 
Today we received a notice from a collection agency in Wisconsin who asserted that they had been retained to collect the amount due, now shown as {$2100.00}. We had not been advised that this action was pending. Sent certified letter to that collection agency stating that the account is and has been in dispute since XX/XX/XXXX. We are basically being asked to pay an amount that they say is due without providing any substantiation. We are able to pay and have offered to do so with validation of the amount due. Total lack of response and responsibility by provider. May simply be a matter of how the charges were coded for insurance reimbursement ; but they have been unwilling to take necessary steps or provide the information that we requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
SIGNED A LEASE WITH AN APARTMENT COMPLEX BECAUSE THEY SAID THEY WERE PET FRIENDLY, TWO DAYS LATER I TOLD THEM I WAS BRINGING MY DAUGHTERS DOG IN AND THEY ASKED WHAT KIND. AFTER I TOLD THEM THEY SAID NO - I SAID THAT THEY SHOULD HAVE TOLD ME THAT UP FRONT AND TO JUST TEAR UP THE LEASE AND I WOULD GO ELSEWHERE. THEY SAID THEY NEVER DO THAT AND THEY WOULD SEE ME IN COURT. I LEFT AND THEY KEPT ALL MY DEPOSITS AND LEASE,,,, ALL I WANTED TO DO WAS LEAVE BECAUSE THEY LIED,, THEY KEPT MY MONEY AND TURNED IT IN FOR COLLECTION

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 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: GA

Complaint narrative:
I received a collection letter from EOS CCA ( " the Company '' ) in XX/XX/XXXX and disputed the validity of the debt. I recently received a letter from the Company that they were using to verify the debt they were trying to collect. The items that were supplied show dates as of XX/XX/XXXX although I told the company that the debt was settled XX/XX/XXXX with the original agency. I am asking the company to verify that the account is a current account and they are pushing that burden on me although this is a requirement they should be doing. I have contacted the child support agency they are claiming to collect for and they are stating my account is closed with no balance, so I am sure this is why I was provided with documents from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 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: AFNI INC.
State: AZ

Complaint narrative:
On XXXX XXXX, my Chapter XXXX Bankruptcy was discharged without protest. This debt, AFNI, for a XXXX bill, was certainly included. AFNI refuses to close and take this account off of Reporting agencies. I have complained to XXXX, XXXX, and XXXX to take this account off of their listings. They have all refused, and this is the only one remaining derogatory report ( other than bankruptcy ) on all my reports. Not only should it be closed and removed, but the reporting agencies list it as " open ''! I had XXXX pages of creditors. All of them honored the discharged and removed their listings from the agencies like XXXX. This is the only lone creditor account that refuses not only to close the account, but also to remove it. They even list the account as having a {$0.00} balance! Still, they mark the collection as " open '', when the account was reported as being opened in XXXX, XXXX. The actual open date was a couple of years before that. All of these dates surely fell before the filing of my Ch XXXX Bankruptcy in XXXX, XXXX and discharged in XXXX XXXX. Just the fact that this creditor is listed on my report- and especially " open '' is hurting my credit score. I have worked hard to rebuild my credit in 2.5 years, and have been successful. This derogatory mark from this company ( that by law, I was entitled to have discharged ; they did n't even dispute it! ) is sticking out like a sore thumb on my credit report. I have rebuilt my credit very well, but have been turned down for credit due specifically to this " open '' collection account- that is n't even valid! This is a terrible thing to deal with after all the work I 've done to rebuild my credit ; especially since I have done extensive work in disputing this entry to the individual credit reporting agencies themselves! And then, the agencies not removing the entry! Please help me get this last awful derogatory remark- that I am entitled to under the bankruptcy provision- off of my record. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP
State: NY

Complaint narrative:
My Loan with this company was fully paid off several months ago ( XXXX XXXX ), I have since been requesting proof of this I called several times, they would put me on hold for an extended time, transfer me from department to department with no help, and finally some one would promise to provide the information, but to date nil. I just reached out to them today XXXX/XXXX/XXXX, spoke to four persons ( names ) and when I indicated that i 'm recording the call, I was abruptly disconnected from the last person. I have been patient, but this practice is unacceptable, I needed this information for my other loan that 's not with Selene Finance, and for clearance for work. They are messing with people lives and do n't care. I also need help in acquiring the proof of payment. It is my legal right that I have access to the information and this is a violation of same, I would seek legal advise but that is an expense I can not afford at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I started college with financial aid. I was offered a direct loan by the registrars office with XXXX foundation. I got bought out thru Navient. My credit report has me owing over {$29000.00}. I went to school for 1 semester. I received like {$11000.00}. My credit report has each time my loans were switched and/or bought out from another company added to my credit report. I thought it would switch from one to another. This has not happened. I do not know how much the loans were sold for but it 's like they double or even triple. I actually withdrawn in 2016 from the XXXX and I tried to attend again ; I was told I owed the school {$700.00} to {$900.00} because of some strange reason. I took care of my mother for 4 years until she passed away on XX/XX/2016. Now I planned on attending college again but it seems as if will be purchasing a house for my college degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
not allowing me to work payment options after time and time again I requested help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: AZ

Complaint narrative:
I have a collections acount with afni the orginal collector is XXXX i have contact XXXX for the pass couple of years to get info becuz this account is not mine. I have sent police reports and no response i have sent letters to afni verifaction valadation and no response i reacched a customer service agent by the name of XXXX who told me to go to XXXX store with XXXX forms of ID i did and they could not verify. Now XXXX sends me to afni and afni has told me to bad so sad please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 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: TX

Complaint narrative:
I have an account negatively reporting on my credit report as EOS CCA dated XXXX which was from an original creditor XXXX XXXX XXXX from XXXX XXXX. I would like this to be taken care of. I 've disputed this and they did nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 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: AFNI INC.
State: IL

Complaint narrative:
I was contacted by a collection agency today called XXXX in regards to a fruadulant debt from XXXX XXXX. They claimed I owe XXXX over XXXX dollars for a service I never ordered. They claimed that I have this service in my home and are not paying for it. I had received a box in the mail back in XX/XX/XXXX from XXXX. I called them to ask what this was about. They told me to ship it back free of charge, but to go the XXXX store. We did the next day. We continued to receive bills in the mail. I would call them and explain to them that I never ordered XXXX and their is a mistake. Each time I called when bills were coming in, the customer service said that it was a mistake and it would be taken care of. Now the collection agency has called me twice in the last few days. When I said I do not have XXXX that I have XXXX/ XXXX they did not believe me. I have had XXXX for over 23 years. XXXX today directed me to Identity Theft. And they directed me to you folks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: PA

Complaint narrative:
This person calls. Does not say where he is calling from other than the state. Does not indicate why he is calling or what it is about. He is rude. Has called my work when I have asked not to be contacted as I am not allowed to have personal calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
The account was closed over 8 years ago. FAIR COLLECTIONS keeps changing the date that the account was closed. It now shows on my credit report as if the account was opened in XXXX. It was opened in XXXX. I moved and closed the account in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Over a year ago, I had misplaced a credit card ( issued by Continental Finance ). I knew it was in my house somewhere and had not been stolen, but I could not find it. I called Continental Finance to replace the card, explaining there was no fraud, I just needed a new card. They said they would send one in the mail. It never came. I made no less that 5 calls to Continental Finance with the same request. Each time, I was told my card would be sent to me. I never received the card. Each time I called, I was told that there was some kind of security alert on my card, that was causing them to not send my card. I eventually gave up and paid off my card in order to close it. Once I paid the card off, I called to close the account. They apologzed for the previous problems, and told me they closed the account. This happened in the beginning of XXXX. XXXX XXXX I was billed for the {$18.00} account maintenence fee. I called to complain. They never could give me a straight answer, as to why my account was not closed. They have said they have closed my account again and refunded my charge, but I can not take them at their word, because each time I have called, they have claimed to resolve my issues, and have failed to do so each time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ARVEST BANK GROUP, INC.
State: ME

Complaint narrative:
I received a call today from Central Mortgage Company today telling me they had not received my XXXX or XXXX payment. this is the 3rd call in the past week. I told them my new mortgage loan was with guaranteed rate and the mortgage payment to them was cashed by my credit union on XX/XX/XXXX. They said my loan was reassigned and i needed to get the money back from guaranteed rate and pay central mortgage or i would be subject to late fees and adverse credit consequences. When a loan is reassigned are n't they obligated to forward the payment? Is this follow up my obligation?

Company response to consumer: Closed with explanation