vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ESCALLATE, LLC
State: FL

Complaint narrative:
My Adult son was on my medical insurance and the deductible/balanced owed was billed to me not him. He sought medical services and signed the authorization for treatment/payment. I tried multiple times to get this corrected but the company refused to correct their billing information. The bill was paid, however the company refuses to remove it from my credit report. I have tried to dispute it will all XXXX reporting bureaus, however I am being told that because the insurance was in my name I was ultimately responsible for the late payment/collection action. All XXXX credit reporting services refuse to remove it ( last dispute XX/XX/2011 ) because they say the company validated the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc.
State: CO

Complaint narrative:
I was involved in a real estate investment over 10 years ago. I lost one property to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a 180 late mortgage only on XXXX. We have disputed this numerous times and asking for proof of the loan. The company is Real Time Resolutions. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to XXXX continues to be they are reporting accurately. XXXX has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach XXXX credit reports. 
Thank you for your assistance!

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 2015-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
EOS CCA asked for verification of my address and last XXXX of social. They said they take care of private personal matters but never disclosed this was to collect a debt. In addition when asked repeatedly what company they were calling on behalf of, they said they could not reveal that information. I said that is the law but they still refused to give the information. I said I would not be verifying anything until they mentioned the client they were calling on behalf of since I do n't know what EOS CCA is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
i want to work something out to build my credit back i was young and did n't understand my limits

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Golden State Collections LLC
State: CA

Complaint narrative:
This was a medical bill should have been billed to medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I maintain a checking account with XXXX Bank and a XXXX credit card account with Capital One. I used XXXX 's bill payment service to pay my Capital One Visa credit card bill in full but it was credited to my credit card account XXXX day late, resulting in a {$25.00} late payment fee plus {$25.00} interest. Specifically, I asked for the {$120.00} payment to be sent on Wednesday, XXXX XXXX, 2015. According to XXXX, it was delivered on Thursday, XXXX XXXX, but Capital One credited the payment on Saturday, XXXX XXXX. The payment was due on XXXX XXXX, hence the late payment and interest. 

I complained to Capital One, which agreed to refund the late payment but not the interest. 

I 'm notifying the CFPB because I ca n't tell which bank XXXX up and I ca n't know whether this is fraud. But it seems very suspicious. Individually, I 'm only out {$25.00} and I do n't expect the CFPB to get that back for me. But if this is happening to many people then it could add up to a very large amount of money. 

I can provide complete documentation if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC.
State: OH

Complaint narrative:
I got a payday loan from this company, I can not afford to pay back right now and they are sending emails that they are going to arrest me and that I am going to jail. they are also stating that they are going to contact my employer, which I do not want them to do because I can get fired for receiving calls like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
Agents from State Collection Service , Inc. ( SCSI ) have been calling once a month since XXXX regarding an account for which I already have a payment plan set up and am current on. Each time the agent calls I have requested a statement, confirmed my mailing address and have yet to receive any thing in writing from SCSI. After 3 months of requesting statements and receiving no written correspondence from State Collection Service, SCSI has added a collection account to multiple credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
Repeated calls that we refuse to answer, we do not owe anything to any companies, no past due debts, no outstanding payments. 
They leave messages everyday, they call 2 or 3 times a day. I have called their number and no one ever answers, goes to voicemail. 
This has been going on for 3 weeks + now ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PINNACLE RECOVERY, INC.
State: MO

Complaint narrative:
XXXX separate companies : XXXX. XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with Discovercard BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies in XXXX XXXX and have not removed it from my credit report. 

Issue XXXX : Pinnacle Recovery started harassing me about owing money to XXXX XXXX. I do not believe I owe money. Even though I dealt with XXXX Resorts with a timeshare condo, I believe about XXXX, Pinnacle Recovery harassed me from that date but did not submit it to the credit bureaus until XXXX XXXX. Even though the alleged charges date back to approx. XXXX, this is still on my XXXX XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or around XXXX XXXX, 2016 I cancelled a Capital One credit card due to fraudulent charges. On XXXX XXXX, 2016 the same merchant fraudulently charged the same account ( which was closed 25 days earlier ). I followed Capital One 's advice on said cancellation but they failed to protect my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I never signed nor endorsed any contract or applications that created any inquiries with the listed corporations, agencies, and or companies .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. 
I did not authorize the inquiries that are highlighted in the attachment. Equifax refuses to remove the items further sating that the unauthorized inquiries are a matter of record. Additionally, I would like any information that was sent to Equifax from the companies deemed as verification per my rights per 609 ( a ) ( 1 ) ( A ) of the FCRA. I did not authorize the following inquiries ; XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax also failed to do a proper investigation into this mater further violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
I was sent an alert from the credit reporting service that I possess stating that a change had been made on my report. I contacted both my attorney staff and the Consumer Financial Protection Agency and wanted to get the correct amount of money that I owed agreed upon to pay and this collection agency sent an incorrect amount to settle of {$270.00} approximately and I did respond until I receive a comply today with my attorney. The credit reporting from XXXX stated that {$400.00} was due yet not document proving the breakdown of this amount was ever provided upon my request and the attorney 's request. This collections agency Amsher has falsified my correct balance due. Today I actually the Amsher Collections Agency and they hung up on me XXXX times. I was trying to get an account number from them and I mentioned that the previous disrespectful agent hung up on me and then a male hung up on me because he did not give me his name.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: FL

Complaint narrative:
A settlement agreement was made with the creditors ( XXXX ) collection agent ( AFNI ) to reduce the amount owed due to hardship to {$450.00} from {$650.00}. An immediate direct debit payment of {$150.00} as was made as advised to secure the settled reduced amount and a further {$330.00} was deducted few days later. I spoke with the rep to clarify the payments were received and was promised that a settlement letter was to be sent to me ; it was never received but i did receive further letters from Direct TV in forming me that I still owed this debt in full. On the XXXX XXXX 2015, I spoke with a XXXX rep and a XXXX supervisor who both told me that the arrangement made with their collection agent has nothing to do with XXXX and I still owed a balance which I still do not understand. Please explain why XXXX XXXX has a collection company offering settlement options to its customers and how they can relinquish the agreement after receiving the said settlement without notice or advise that they are able to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened an account on XX/XX/2017 for a bonus {$400.00} promotion they advertised. I opened this account over the phone and funded the account with my visa card the same day with {$1000.00}. I received the debit card several days later. When I called to activate, I was informed the account had been closed the same day and that I would get a refund of the opening deposit as well a letter explaining the closure. I called on XX/XX/2017 to inquire ron the status of my {$1000.00} deposit. I was informed by XXXX that there was no posting of the opening deposit and that no refund would be issued.

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 2015-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
My mother and I are co-trustees on a Bank of the West personal trust checking and savings account. My mother is in-home care under XXXX, and she requires 24/7 care. I have been handling her personal finances for years using Bank of the West on-line banking. The on-line account with all of her important payees was XXXX XXXX/XXXX/15 by the bank due to retaliation for my requesting a written explanation why a payment scheduled for XXXX payment was late. The payee was furious after receiving yet another delayed payment. I used the on-line system to register the complaint XXXX/XXXX/15 in order to have an official record. Late payments have been going on for months, and I have been reporting into Executive Office, which has not offered any remedy. The bank is not taking responsibility or even acknowledging late payments, and XXXX the on-line account I 've always used, which cut me off from accessing all the records I 've established to appropriate handle my mom 's money management to timely pay all debtors. This is elder abuse because it has created a situation impacting payments necessary to ensure my mom 's needed care and well being. Their late-payment processing and lack of taking responsibility for it are unethical. HELP PLEASE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Filing & Reporting, Inc.
State: TN

Complaint narrative:
XXXX XXXX States that original company did n't receive payment but could n't state original company. States we have to pay this loan or legal action will be taken against us. She states that I signed up for this account XX/XX/2007 I do n't have any recollection of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF THE WEST
State: NV

Complaint narrative:
I was contacted on XXXX XXXX 2015 from a rep for bank of the west about my father being late on his car loan..my father is in XXXX vet and his vehicle is a XXXX for his needs. He had auto pay with this bank and someone stopped the auto pay so his payments have n't been made I have power of ATTRONEY on my fathers behalf and they refuse to knowledge it. XXXX XXXX and I had a verbal agreement on that I will make a payment on the XXXX of the month. As of XXXX XXXX 2015 at XXXX the van was repo. I did do the calculation onpayments and they are saying XXXX is behind when its behind XXXX for XXXX months and they refuse to show me a bank statement report on my account. They refused payment which I know is against the law and breaking a breach of contract correct.? I did file a complaint with local police and ATTRONEY did file a cease and dismiss claim XXXX weeks ago for hardship for of finances and they were served with the it. Since they violated the law I 'm I able to get my vehicle back and payment for this. MY fathers health due to all this harrsement has put a toll on him FOR the worst the bank took his independence away and wo n't take blame on their wrong doing and not working with us but against us. They put a hold on my fathers account holding funds so my father will lose everything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 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: OK

Complaint narrative:
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I returned my equipment from XXXX when I closed my account and the company send my account to collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 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: FL

Complaint narrative:
i had a bill in the amount of {$500.00}. to XXXX in XXXX XXXX went to collections with XXXX XXXX XX/XX/XXXX for XXXX.then to XXXX for {$1800.00} XXXX XXXX XXXX then to XXXX. for {$1800.00} XXXX XXXX XXXX then to afni. for {$2000.00} on XXXX XXXX last reported XXXX XXXX XXXX by afni for {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 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:
I have had this debt already removed by XXXX different agencies. They investigated and stated it was not my debt. However XXXX still has this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: CA

Complaint narrative:
I am a victim of Identity theft and I have sent countless letters to Afni and XXXX XXXX XXXX. 

Both of the collections agencies are listed on my credit and are currently coming after me for a fraudulent account with XXXX XXXX XXXX. I have NEVER been contacted by XXXX XXXX XXXX but that is who they both claim the debt is owed to according to my credit. 

Afni sent me a notice dated XXXX XXXX, 2015 not trying to validate the debt but to make a settlement offer, however, the account was already on my credit and has been on my credit since XXXX 2015. I have never received a notice from XXXX XXXX XXXX they just placed the account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I declare hardship In XXXX with the debtors..the account was closed and reopened XX/XX/XXXX..without me knowing they 're trying to collect a debt from XX/XX/XXXX..they 've been harassing me & lt ; Account # XXXX {$550.00} Balance XXXX Original Creditor {$500.00} High Balance XX/XX/XXXX Opened Date XXXX XXXX, XXXX Last Reported ... Account # XXXX {$1500.00} Balance XXXX Original Creditor {$770.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported By LVNV FUNDING LLC..they are trying to collect a debt then I do n't know.how do I get help taking care of this because they do n't have original records anyone ever tell me about my account.when they result in that account without my knowledge..have my limitation has been violated? I do n't know

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I applied for a checking account with Penfed with the anticipation of establishing a joint account with a person I bought a home with on XXXX XXXX not knowing that they were going to do an immediate hard credit pull over the phone without notifying me. I was trying to apply for a mortgage at the same time so this was disconcerting. After being bombarded with emails and paper post I decided to cancel my account almost immediately after. Someone over the phone told me it was easy to cancel and they said they put through the request immediately. I find out today XXXX XXXX that the account was never closed. The reason is because they require XXXX separate notarized documents, a copy of my social security ID, my driver 's license, and a utility bill, just to close a bank account that had {$5.00} in it. They cite the Patriot Act as the reason for doing so, but could not say why. I think this is costly, a waste of time, and extremely misleading to the consumer about the practices of this bank. I think they put these obstacles in place to trap their customers in to an account, as I 've never had difficulties cancelling an account with any institution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief