vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-04 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: KS

Complaint narrative:
AFNI has put on my credit bureau for XXXX XXXX XXXX XXXX about owing {$450.00} which was settled XX/XX/XXXX and proof of this was sent to XXXX XXXX XXXX but it hit my credit report from this company as if it was done just XX/XX/XXXX. Which is not true. Also this company has called and left automated messages that have left my account number on my family 's answering machines with no company name or phone number to call back. no phone number comes up on caller id either. I have pulled my CBR and it shows that this company is not even reporting. I have placed disputes on my credit bureau for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: BlueChip Financial
State: SC

Complaint narrative:
XXXX ( XXXX ) contacted my mother and father and stated that they had an open investigation on myself and needed information regarding some legal matters. The messages sounded as if they were written by a law enforcement agency. My parents forwarded the information to me and I called to see what the issue was in reference to. The company told me that I had broken several laws by writing bad checks ( which I never did, the creditor only accepted EBTs ) and that I was being charged with attempting to defraud a financial institution, which they told me was a serious crime. These accusations are completely false, as I had never written a check to the original creditor nor had I any intent to defraud this online lender. I was simply waiting to be offered a settlement amount on what turned out to be a predatory loan. XXXX then told me that they were sending someone to my house with some papers. When I grew angry with the accusations, the supervisor began yelling into the phone that " Hey, we 're not the ones that do n't pay our debts!! '' and started laughing. I am currently in year XXXX of my Chp XXXX bankruptcy and the company knew that. This was apparent because the angry woman knew my attorney 's name and phone number and began saying that it was illegal to not pay a debt that was incurred after filing bankruptcy. I immediately called and spoke with my attorney who assured me that this was a violation of the FDCA and that I should file a complaint. I settled with the company to prevent further harassment of this nature but am now wondering if I should have, knowing the seriousness of these actions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 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: TX

Complaint narrative:
XXXX calls me almost daily and refuses to tell me why they are calling unless I divulge/confirm personal information. I do n't know who they are so I 'm not doing anything. 

I did I XXXX search and found out they handle debt collection for XXXX. I had a XXXX account months ago which I cancelled - paid in full. I called XXXX and they confirmed they made a mistake. 

I 've since spoken to EOS and told them what happened and that they can confirm the details with XXXX. They still call me daily. 

I told EOS to remove me from their list and any further calls would be considered harassment. They are also calling my family members whom were not even on the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Pohler and Associates, LLC
State: OH

Complaint narrative:
I was in an accident XX/XX/2012. I was driving my girlfriends car because she had had a couple drinks and with our children in the car we thought the responsible thing to do was for me to drive us home. On the way we were cut off by another driver and when I tried to brake we slid into his rear end causing damage to his driver rear tail light. I was insured at the time but my insurance company refused to cover me. My girlfriends insurance had lapsed, but even if it hadnt it would not of covered me either. So of course XXXX, the insurance company representing the guy who cut me off, got an inflated estimate of almost {$8000.00} ( for a tail light ). I requested an estimate by someone of my choosing and was refused. I refused to pay, they attempted to sue. I was prepared to go into court and plead my case, but they approached me last minute and offered to let me make payments and I agreed to pay {$100.00} a month which I have done ever since. They have contacted me by phone and left voicemails saying they wanted to review my account. I have called on several occasions and always get their after hours voicemail and never get a response. Yesterday I recieved another voicemail saying that because I refused to call back they have subpoenaed my bank records and decided that my payment should now be {$250.00} mo. I have XXXX kids and my girlfriend living on my income. I just borrowed a large amount of money from my mother to fix up my house and sell it. Now they want to come and take it for a debt I feel I should n't be responsible for to begin with. They say if I dont pay what they dictate they will have my drivers license suspended. Then not only will they not get paid my family will starve. I am in construction and can not take the bus to work. I work in various different places and some dont even have roads to them much less bus routes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 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: FL

Complaint narrative:
After Looking at my credit report I see that Afni , Inc is still Reporting inaccurate Information to the Credit Bureaus. 

I have ask for proof of Debt from Afni , Inc XXXX XXXX, IL XXXX RE : Account # XXXX Under Fair Credit Report Act XXXX & XXXX. without a response. To my request. 
And they continue to report inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Clark County Collection Service
State: NV

Complaint narrative:
My wife, XXXX XXXX, received a loan from XXXX in XXXX XXXX, NV some time back perhaps XXXX. She was the only signer on the contract. When she defaulted, her account was turned over to Clark County Collection Agency and they also tried to collect from me. Although I have disputed this on several occasions, it still shows up on my credit report as a " joint account '' and that I owe {$990.00}. I have contacted Clark County Collection Agency and so has my wife to let them know I was not on the account and have disputed it with XXXX and XXXX. XXXX has failed to remove this disputed debt that I never owed and Clark County Collection Agency most recently reported this again in XXXX of XXXX ; therefore, I was unable to obtain a home refinance on my house which would have saved me XXXX dollars in bill payments each month. I actually have an account in good standing with XXXX and they wo n't do anything about it either : Last Reported XXXX XXXX, XXXX Collection Agency CC COLL SVC Original Creditor XXXX XXXX Status Open Opened Date XXXX Closed Date -- Responsibility Joint Balance {$990.00} High Balance {$2100.00} Please help, my wife has paid the amount she agreed to on this and Clark County Collections still wo n't remove. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Clark County Collection Service
State: NV

Complaint narrative:
My debt with XXXX/Clark County Collected was originally {$2600.00} but was settled for {$1900.00} through my representatives at XXXX XXXX XXXX. My final payment for this account was posted on XXXX/XXXX/16. As of XXXX/XXXX/16 Clark County Collections is reporting a balance on my account for {$660.00}. That is the exact difference between the original debt and the settlement amount. This company is incorrectly representing the debt on my credit report by showing a balance due when the account should be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 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:
AFIN, INC falsely reporting a paid account. 

I had only had XXXX XXXX account from when i was married, it was reported to my credit report XX/XX/XXXX. On XX/XX/XXXX This account was settled and paid to XXXX, i send to all XXXX credit bureaus XX/XX/XXXX and now its re-reporting from AFIN INC. so I called the company at XXXX and they wont send verification of dept and cant tell me anything other then to pay. I have also received a sarcastic voice mail from this company on XX/XX/XXXX form XXXX then an automated one on XX/XX/XXXX from XXXX both stating they are with AFIN. Ill provide XXXX attachments Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Someone stole my bank card and charged over {$4000.00} t regions and now I 'm stuck with something someone else has done to me

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 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Company responded Experian Credit Reporting Agency said : Explanation of closure Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that Experian is reporting inaccurate credit information on your personal credit report. You would like your names and incorrect addresses corrected. 

Upon further research and reinvestigation we were in the process of removing/updating variations of the disputed address. Upon completion, an updated copy of the credit report will be provided to you for review and confirmation. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 


I HAVE RECENTLY RECEIVED MY NEW EXPERIAN CREDIT REPORT VIA THE US MAIL, AND I WOULD LIKE TO KNOW WHY THE INVALIDATED, INACCURATE, DISPUTED INFORMATION IS STILL BEING ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT? PER EXPERIAN 'S RESPONSE, VIA THE CFPB PORTAL, WHICH IS LISTED ABOVE FOR YOUR REVIEW, EXPERIAN CLEARLY STATES THAT THE DISPUTED NAME, AND INACCURATE ADDRESS IS IN THE PROCESS OF BEING DELETED! SO I WOULD LIKE TO ASK EXPERAIN WHY IS IT STILL BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT? AS I AM SURE THAT EXPERAIN IS IN FACT NO DOUBT AWARE THAT RE-INSERTING PREVIOUSLY DELETED INACCURATE INFORMATION BACK ON TO A CONSUMER CREDIT REPORT IS KNOWINGLY AND DIRECTLY VIOLATING THE FAIR CREDIT REPORTING ACT LAWS! FAILURE TO REMOVE THE RE-INSERTED INACCURATE PERSONAL INFORMATION COULD RESULT IN {$1000.00} DOLLAR FINE PER UN-DELETED ITEM! 

I AM NOW DEMANDING THAT EXPERIAN ADHERE TO THE LAW AND COMPLETELY REMOVE THE INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION THAT WAS RE-INSERTED BACK ON TO MY PERSONAL CREDIT REPORT AS SOON AS POSSIBLE. 

THE FOLLOWING INACCURATE INFORMATION SHOULD NOT BE BEING DISPLAYED ON MY EXPERAIN CREDIT REPORT : ILLEGALLY ADDRESS BEING DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX ILLEGAL NAME CURRENTLY BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX XXXX NAME IDENTIFICATION NUMBER : XXXX AS I HAVE NEVER USED THE INACCURATE PERSONAL INFORMATION CURRENTLY BEING LISTED ON MY EXPERAIN CREDIT REPORT, I WOULD LIKE TO KNOW WHY EXPERAIN IS CONTINUING TO KNOWINGLY VIOLATE THE FAIR CREDIT REPORTING ACT LAWS BY CONTINUING TO REPORT THIS RE-INSERTED INFORMATION?

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 2016-06-02 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: CA

Complaint narrative:
On XXXX/XXXX/16 I filed a dispute with XXXX and they reported that EOS-CCA verified this XXXX XXXX XXXX XXXX debt. Collector was never able to provide debt validation despite several attempts via USPS to retrieve said validation. The continue to verify with the credit reporting agency with no regard for the FCRA and FDCPA. 

On XXXX/XXXX/16 i sent a letter to the CEO of the company regarding their continued verification of a credit reporting agency despite their inability to VALIDATE the debt. No response and they continue to report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: TX

Complaint narrative:
Nationwide biweekly administration has took money out of my bank account and never submitted it to XXXX XXXX, cause me to fall behind in my house payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST
State: MN

Complaint narrative:
I opened a checking account at Bank of the West in XX/XX/2016 and requested to close the account on XX/XX/2016. Bank representatives rejected my request because they claimed I opened a " line of credit '' on the account which I never did. Meanwhile, they stated I have used the line of credit and owe money on the line which is a surprise to me because I have never requested nor used any line of credit. I only withdrew my initial balance out of the account to close the account. The local branch representatives could not give me an explanation for why this line of credit was opened and why it says I used some of it. In the meantime, the account is also accumulating monthly fees because I have a zero balance and they wo n't close the account to investigate this error. I am being harassed with bank letters notifying me they will contact collections to collect the outstanding fees on the account. What this financial institution is fraud and reminds me of XXXX fraudulently opening accounts on their customers behalf without them knowing, and charging them fees in the interim. This is a bad surprise that I hope to resolve and prevent to happen to others. Please 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 non-monetary relief
Consumer complaint received 2017-01-31 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: TX

Complaint narrative:
This debt keeps appearing on my report after numerous attempts for proof of account, balance. I received a letter back in XXXX 2016 that it would be removed from my account and it was for few weeks then I assume bought from another debt buyer and its back on my account with another debt company. I do not have any idea of a debt owed to XXXX XXXX nor have a received a detailed bill of this debt and what the charges are for as I am required this information by law. I have sent multiple requests for months now for removal of this account with all XXXX credit bureaus and still no response from new debt collector. The first collector was XXXX XXXX and now the second collector is AFNI and I want this removed from my account due to over 30 days requested information never received, sent certified numerous times and no detailed bill received. Please help me in this situation and I am forwarding information I have pertaining to this ongoing battle with a debt I know nothing about nor have I been sent information, 30 day request for detailed information per law passed. This is unlaw practices of the fair credit law under consumer law. These debt collectors keep buying and selling this account with no required information of detailed bill as requested on numerous times, well past 30 days required by law and the credit bureau continues to allow this to happen as I have sent all XXXX of them I want documentation of this debt and 30 day period and all they send back is " it remains '', no investigation, no contacts, nothing and certainly not following consumer credit laws. 
Please see attached information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Nationwide Biweekly Administration, Inc.
State: PA

Complaint narrative:
Company debits my checking account to pay my mortgage. Now I 'm on " temporary suspension '' doe to government involvement for fraud. I have to make my own mortgage payments. I no longer want to work with this company and due to a break in contract I want my set-up fee refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 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:
AFNI is continuing to report to the credit reporting agencies a debt that did not belong to me. 2 years ago they sent me a settlement offer for a debt which I did not recognize. It was a small amount so I paid it to avoid further collection activity. Since that time, I have requested several times from them proof that the debt was actually mine and they have ignored my requests each and every time. The name on the debt does not match mine and it is for an address at which I have never lived. Despite my disputing the debt, they continue to report this debt as settled on my Experian credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a write off at Regions Bank and they told me that I owed {$400.00} on account # XXXX and {$84.00} on account # XXXX. I over paid $ XXXX hoping they would force open the accounts but now the claim I still owe $ XXXX because the amount originally given me was in error that I owed more. They never would send me a balance payoff as I so requested at the beginning of the payment off plan

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

Complaint narrative:
I disputed this collection and it was removed from credit history on XX/XX/XXXX. I have received a letter dated XX/XX/XXXX attempting to collect the same debt for the same amount again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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:
I was charged hundreds in overdraft fees. The order in which the transactions would go through were manipulated in a way to where I would be charged fees when I should n't have been.

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 2015-04-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
SOMEONE CLONED MY DEBIT CARD INCLUDING MY PIN # AND USED IT AT XXXX IN XXXX FL ON XXXX/XXXX/2015 FOR XXXX AND XXXX MIN LATER THEY CHARGE XXXX I FILED A POLICE REPORT WITH XXXX POLICE XXXX. CASE # XXXX BUT THEY TOLD ME THEY DID N'T HAVE ENOUGH PEOPLE TO REVIEW XXXX FILMS. REGIONS BANK IS RELUCTANT TO REFUND MY MONEY SO IN THE FUTURE I WILL NEVER USE PLASTIC AGAIN. GO TO XXXX AND SEARCH HOW TO CLONE A CARD AND LEARN HOW EASY IT IS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Filing & Reporting, Inc.
State: FL

Complaint narrative:
This was a payroll check from my job. This collection agency is telling me they are a law firm and they are going to sue me. Never read me the mini Miranda. Called my stepmother and told her I wrote a bad check and released all my information to her.

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