vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: The Law Offices of Burr & Reid, LLP
State: NY

Complaint narrative:
The Law Office of Burr and Reid XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX have committed several of the above listed violations in the attempt to collect a debt. Continuous threatening letters were sent, some with false court papers attached. They threatened to send me to jail, garnish my wages, sue me and contacted old employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
Kia Motor Finance company has withheld payment of a refinancing loan of my 2016 Kia Soul. I refinanced the loan through XXXX and Kia accepted XXXX payments for the car loan in the amounts of {$640.00} and {$20000.00}. For one month, Kia reported only receiving the payment of {$640.00}. I called them numerous times and they reported that the check had been destroyed, that the check had been lost and that they had no history of the check on numerous occasions. When I requested that the check be canceled and reissued by my bank, they found and processed the check. However, they applied it to a previously closed account to delay payment on the loan in question. They still have n't paid the original loan. This is fraudulent. They are not using the funds for the purpose to charge me more interest and fees. In addition, I am due gap insurance refund, which this is delaying. That should have been processed, but without them releasing the lien they will not release those funds as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 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: CA

Complaint narrative:
I have sent XXXX letters explaining that the debt was discharged in bankruptcy and have received another letter offering a settlement offer. The creditor also states there could be additional payments made on the claim that I could be responsible for and will notify me as soon as they become aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a {$25000.00} credit card line with Regions Bank split into XXXX accounts. I was going to be in the hospital and had my wife bring the XXXX checks to Regions, which I have never been late on. Afer being discharged from the XXXX XXXX I went thru what she did & noticed that Regions had misapplied both payments to XXXX account there fore reporting me 30 days late in my credit report. When I got out I went in person with their receipt and a copy of both my cancelled checks asked for the manager & he was tied up. I knew the assistant and asked him to have XXXX call me as I needed it fixed and wanted a copy of the letter sent to the credit bureau. No one called me until the next day even though I was there early Monday XXXX. The same assistant said XXXX is still busy and knows my concern. I told him I wanted it fixed in writing. Now I am late because they are over charging me on XXXX account and the wrong amount on the other. This is being done intentionally and is against the law. I have NEVER been late and they say they can correct it internally on the payments but that does n't undo reporting me 30 days late when I was NOT.

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 2016-09-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC.
State: IN

Complaint narrative:
I requested validation of debt dated on XX/XX/2016, company has failed to provided me with the documentation. The company failed to provide me with a notice to request verification of debt, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.

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

Complaint narrative:
A collections agency EOS CCA offered an resolution of debt authorized by client with a lump sum settlement of 55 %. I paid this to protect my credit. Some time later another company XXXX XXXX XXXX wants the remainder of the balance. I sent XXXX a copy of the settlement statement from EOS and proof of payment with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I bought an RV in 2006 for $ XXXX. I made installment pymts of {$630.00}. for 8 years totaling $ XXXX. My husband got sick, I gave back the RV to Bank of the West. They sold it for $ XXXX. They are now suing me for interest money! They did not lose any money on the $ XXXX they loaned me in 2006. They got it all back in 8 years and now they want $ XXXX more! HELP

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 2015-04-21 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: HI

Complaint narrative:
Poor DSL service was at a rental house I owned. XXXX service cancelled by occupant to obtain service from XXXX on XXXX XXXX, 2013. Bill in dispute was never sent to my home and was for services not provided by XXXX. I had no Knowledge of bill until XXXX contacted by recovery company. 
Service by XXXX - DSL service for this address was not my responsibility. Charges were dismissed by XXXX with XXXX and have now been filed by AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
First ... .the above question is n't applicable so I did n't know what to put but it made me put something. 

I have been very ill since XXXX 2013! I lost my job. I tried to cover all of my bills and part of the time I was on Medicaid. I talk extensively to XXXX Clinic about my situation. I was told they had discounted and/or written off or submitted any bills to Medicaid. I did not know I owed anything until I gota notification from Mountain Land Collections. 
I contacted them ... .I explained the same thing I just told you ... .I told them I could n't work and my husband is on XXXX XXXX and I have no possible way to pay. So now they just report it to the credit bureaus every month. Things were so bad I filed bankruptcy but this did n't include Mountain Land Collections. 
I do n't know what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I still do not know why my bank accounts have been frozen, and I 'm still waiting on receipt of the form from XXXX 

However, as I 'm made clear to you, I need to pay my mortgage as agreed to keep my home. I have CC XXXX, the attorney who has worked out my arrangements with my mortgage company -- XXXX The payment of {$1600.00} is due no later than XX/XX/XXXX. If I do n't make this payment I could risk losing my home. 

As they stated, they will reach out to " XXXX '' the XXXX for their branch. I have not gotten a reply. 

This is a very bad experience. I would like to speed up the XX/XX/XXXX day freeze period and do simply withdraw all funds, close the account and part ways.

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 2016-02-09 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:
Debt was discharged in CH-XXXX Bankruptcy XX/XX/XXXX2015. Creditor sent debt to AFNI, INC. collection on XX/XX/XXXX2015, AFNI reported deragatory information to CRA 's in XXXX 2015. Creditor and Collection agency are in Violation of US Bankruptcy code. Collection agency will not REMOVE from CRA 's. As per law a crditor or collection agency can not report or try to collect a debt after the Bankruptcy has been filed and or discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 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: GA

Complaint narrative:
I made several attempts to contact AFNI Collections through correspondence of mail asking to validate the debt. No response was ever received from AFNI. On XXXX XXXX I sent an email asking for it to be deleted. Two days later I received an email from AFNI saying they were no longer handling the account and will submit a request to the credit bureaus to have item deleted. Here it is no deletion has taken place on my credit files. I called the credit bureaus on XXXX XXXX and were told nothing had been submitted electronically asking them to delete the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 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: IN

Complaint narrative:
PAID ORIGINAL CREDITOR ALREADY! THIS BILL IN IN DISPUTE UNDER FCBA ACT. CEASE AND DESIST COLLECTION EFFORTS AND STOP CALLING MY WORK AND CELL NUMBERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 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: WV

Complaint narrative:
PLEASE MAKE ''AFNI COLLECTION AGENCY '' TAKE OFF THE " FRAUD BILL '' ( THAT I PAID OFF, & THEY TOLD ME THEY WERE GOING TO TAKE THIS NEGATIVE REPORT OFF OF ALL XXXXCREDIT AGENCIES ... .CONCERNING MY CREDIT REPORTS, ( WITH XXXX, XXXX, XXXX XXXX XXXX ). 

BELOW IS PART OF THE ONGOING CLAIM CONCERNING MY CREDIT REPORT ... ... CONTACT " AFNI '' & MAKE THEM REMOVE ALL FRAUD CONCERNING XXXX XXXX XXXX ( XXXX : ENDING IN XXXX ) ; FROM ALL XXXX ( XXXX ) CREDIT REPORTS OF XXXX XXXX ... .ALSO WRITE XXXX XXXX A PERSONAL LETTER OF SORRY, TO XXXX XXXX, AS THEY LIED TO HIM, AS THEY TOLD XXXX XXXX, THAT ONCE " AFNI '' PAID THIS ( XXXX MOBILE CELL PHONE OFF ) ; THAT " AFNI '' WOULD IN FACT TAKE ANY & ALL NEGATIVE REPORTS OFF OF SAID, ( XXXX XXXX 'S CREDIT REPORT )! 

Also, make sure ALL XXXXCREDIT AGENCIES take off ''AFNI COLLECTION AGENCY '' report of the FRAUD .... ( already filed a report or claim to your Agency : # XXXX ). 
I PAID this XXXX XXXX XXXX Mobile Cell Phone XXXX off, via my ''XXXX '', in XXXX 2015 ... .for : $ XXXX. Despite me paying this off, ( even thou I did ''NOT '' owe it ). After I discovered I DID NOT OWE THIS BILL, I ASK MY BANK TO REFUND MY MONEY OF $ XXXX ... which they are yet to do. I have filed a Dispute with ''XXXX '', for the above amount. 
Even thou I paid this FRAUD OFF ... .. '' AFNI COLLECTION AGENCY '' STILL IS REPORTING THIS ON XXXX '' & XXXX '', as still being on my Account, ( as PAID OR CLOSED ), BUT STILL LISTING THIS ''FRAUD '', on my XXXX Credit Agencies. I requested ' '' AFNI COLLECTON Agency '' to take this FRAUD OFF OF ALL XXXXCREDIT AGENCIES, & they ''AFNI COLLECTION AGENCY '', has ''NOT '' done this, despite THEM telling me that they would. 
So I would like to file a REPORT on ... .. '' AFNI COLLECTION AGENCY '' ... ... for ''NOT '' doing what they PROMISED me that they would do, ... ..***IF I PAID THIS FRAUD OFF***, THEY LIED TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
This new collection appeared on my credit report. I contacted EOS CCA and they were unable to provide any information based on my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Hello I have already filed one complaint and I am disputing it because everyone I speak to say Ditech is being unreasonable. Their excuse for not reporting my last 6 years of house payments is because I did not " reaffirm '' my house and that is a flat out lie. My attorney who did the Bankruptcy provided me with the documentation that 1. my house was excluded from the Bankruptcy and then he provided me the document that the house was " reaffirmed '' in the Bankruptcy court papers. I was also informed back in 2010 when this took place you were NOT required to reaffirm anything after a Bankruptcy was complete. My attorney has asked me to write a letter to each of the credit reporting entities and make them aware of this as well. My letter is written just not typed up and mailed et. PLEASE SEE ATTACHMENT FOR MORE DESCRIPTION AND BACKUP. Thank you and Sincerely XXXX 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 2016-02-23 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: NY

Complaint narrative:
A fraudulent XXXX XXXX XXXX debt has been floating around in my name. I have confirmed with XXXX XXXX XXXX that not only they did not pass any debt to collection agencies, I have never had outstanding balance period. Now, this AFNI collection agency is trying to collect this fraudulent debt from me.

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: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: NC

Complaint narrative:
AFNI is reporting that I owe XXXX {$1400.00}. This account could not belong to me, as it was opened when I was still a minor. I have contacted AFNI on several occasions to alert them of their error, and even disputed this account with the credit bureaus. Unfortunately, AFNI will not remove this mistake from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 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 ordered phone and internet from XXXX years ago, they were not able to provide the service to my house in accordance with the agreement to me getting the service. It was something about the phone lines on the poles outside being too old. Since nobody was on that pole, they did n't want to put a new one in just for me, so my service was terrible, it did n't work. 
I called and they agreed to cancel it. We parted ways. I got service that cost me more from a different provider. 
Then they started calling me a week later saying that I owed them since we had a contract for when I signed up. I explained that they could n't provide the service, no sense in me paying for something I am not getting. They were threatening and intimidating me, saying that they have a signed contract with my signature and me on voice recording agreeing to their terms. I got irritated and told them to take a hike, and hung up. They would call and I would try to reason with them, explaining that I do not have any of their equipment or service. 
These tactics of verbal intimidation and agressiveness continued for a few months and then stopped. 
And then the collections agencies started calling. I simply told them to validate the debt within 30 days or take it off my credit report. None of them to this date have provided me any validation of the debt, I have yet to see one bill or anything that shows I owe what they say I owe. They have sent me a copy of my first bill, which I paid, because they gave it to me a few days after install, before the service was cancelled. 
So this " debt '' was sold or transferred around to several different debt collectors until it ended up with AFNI, who is now reporting it against me on my credit. I can see on my credit report that it shows that it is still in dispute, since XXXX 2014 when I last talked to them. They need to take it off of my credit report. This is unacceptable. They have had plenty of days to provide validation of the debt. It is unfair to continue to pursue bad debt. These are bullying techniques. I do n't see how this is allowed. If a company sells off bad debt and then the buyer finds out, they ca n't hold that against the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
I received a letter from professional account management about a unpaid parking fine from 2011. The letter also threatened to boot my vehicle and tow and impound my vehicle. 
The fine was from a late fee for a paid parking ticket. This fine was paid at the time of paying my ticket. 
We no longer have that bank account ; therefore, we can not verify it officially. 
The fact that they 're just now, over 5 years later, threatening me about this truly makes me think that it 's a type of scam. 
Since most individuals would n't keep such documentation as a paid fine past a few years, it looks as if this company is hoping to garner whatever they can from whoever they can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 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: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
A collection company sent a letter stating that I owe {$900.00} for a cell phone from XXXX XXXX XXXX. The collection company is XXXX XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX but the return address is a PO Box , XXXX XXXX, in XXXX XXXX. I have never had a XXXX account and I have been with the same company for almost 21 years now. Also, the address I live at is a home, and they added an apartment #. I think this is a scam, and I worry about older people being taken advantage of or other people falling for this. 
Letter states : This is to advise you that your delinquent account has been assigned to our office for collection by the above mentioned current creditor. ( XXXX XXXX XXXX ) Unless you notify this office within 30 day after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy of such judgment or verification. If you request of this office is writing within 30 days after receiving this notice this officeXXXX will provide you with the name and address of the original creditor, if different from the current creditor. In order to aid your financial situation, as may be necessary, we could set up your account on a monthly payment plan. we would like to extend the following discounted offer : XXXX % discount payable in 2 payments of {$90.00}. Each payment within 30 days of the previous payment. We are not obligated to renew this offer. For your convenience you may pay via a check over the phone or credit card. You have our work that your account executive will treat you fairly and with respect. Sincerely, XXXX XXXX , XXXX *then further down on the letter at the bottom. The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC will not sue you for it, and LVNV Funding LLC will not report it to any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I have been contacted by Mountain Land Collections and the offices of XXXX XXXX XXXX multiple times in the past regarding a medical debt that is not mine. The first time they sent me information regarding the debt I properly addressed a dispute letter to them asking them to validate the debt. I never heard from them. They did not send me validation of the debt but they did add the debt to my credit report. I have recently drafted letters to each of the credit bureaus, an example of XXXX which is attached, making them aware the debt is not valid and to remove it from my report. Most recently, this company, along with filed a judgment against me for the debt and served me at my home.I did as instructed and responded to the suit with a defendant answer denying the suit because they did not validate the debt. After this, XXXX XXXX XXXX 's office contacted me to set up a payment plan. I informed them that I was not refusing to pay the debt, simply requesting validation of the debt. They have still not provided me with this and they have unlawfully charged my credit card for {$100.00} for the first payment in their plan that I did not consent to. I am disputing the credit card charge with my credit union and a copy of that is also attached.

Company response to consumer: Closed with explanation