vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-08 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: Garner & Conner, PLLC
State: TN

Complaint narrative:
My wife and I was trying to buy a home and pay off anything that stood out on my credit report. I had a judgement against me that was garnished from my check for a year paid every week out of my paycheck. This garnishment was over according to the contract and the attorneys office that filed the claim against me informed me that I still owed XXXX. We was trying to close on our home in XXXX of 2015. They would not answer or return any ones phone calls or emails, letting that amount gain interest. After several emails and phone calls over the next few months we finally got a hold of these people to get the amount. It ended up being somewhere around XXXX since XXXX. They have withheld my own documentation from me for prolonged periods of time causing A LOT more money to be paid out than what was needed. These people are criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 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: OH

Complaint narrative:
Issue descriptions shown- Debt is not mine is closest to describing the situation. There is NO debt. 
Alleged creditor is XXXX. Purchased phones from XXXX XXXX 2013. Not satisfied with service. Returned phones within 10 day satisfaction period. XXXX attempted to collect {$320.00} for termination. At first attempted to not allow portage of phone numbers to XXXX. After 3 1/2 hours at XXXX, vendor in store was finally successful in accomplishing this. 
When I requested for XXXX to provide a copy of the contract proving the debt was valid, they did not. After attempting for several months to collect by making harassing phone calls, XXXX turned the {$320.00} amount to an initial debt collector. 
This debt collector actually sent written communication about collection. I requested that they provide written documentation that the debt was valid ( any documents such as a contract ). Just like XXXX, they did not. 
This debt collector then apparently sold the alleged debt to another collector- AFNI. I did not receive any written communication from them about collection. I believe this may be in violation of the FCRA. They made several harassing phone calls. I requested that they provide written notification about attempted debt and to not contact me anymore until they have provided that. They never have. They also have not provided written documentation that the debt is valid. Since they never gave written notification as to what the debt was ( XXXX ), it has not even gotten to the step of my requesting that they provide written proof of the debt. 
Instead, they have added this item to my credit report and show it is in collection. As well, it is showing in the report that they have turned it over to attorneys for collection. I believe this may also be a violation of the FCRA since it is merely an intimidation ploy. 
Based upon complaints I have read about AFNI, they are unscrupulous in their methods and have many violations of the FCRA on their record. They added it to my credit report without providing any written documentation about the collection OR written documentation showing proof that the debt is valid. They add it to a credit report as leverage to collect the debt and did not act either ethically or legally. 
My credit score was XXXX prior to this item. I have had only XXXX missed credit card payment due to a delay in the mail on my report prior to this. It is now down to XXXX because of this item. I disputed it and Experian indicated that it is valid. I am not sure how AFNI was able to prove that it was valid since they have never communicated with me via any written form. I would like to have this item removed from my report entirely and also pursue legal action against AFNI due to violations of the FCRA. 
Please advise. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST
State: WA

Complaint narrative:
I put money into a money market fund with Bank of the West as part of a relocation from XXXX XXXX, XXXX to XXXX, XXXX. I opened a Money Market account to stash the money I had leftover from the move in an interest bearing account that I would n't have to manage or worry about. I had to withdraw an amount that I did n't realize put me below their minimum balance. At the time I had apprx. {$850.00} in the account. I went years without checking it until I got a notification saying it was overdrawn. I contacted the bank to inform them of their error and found out at that time that they had been charging me $ XXXX/mo for being below their minimum balance, which had resulted in them confiscating every penny of the money I had in that account. They told me it was my fault for not checking my account. I trusted Bank of the West with my money. By not phoning me or making any good faith efforts to inform me of my financial position, they failed to live up to the trust I put in them. If they were worthy of that trust, they would 've transferred that money into my checking account. Instead, they stole it. I think they owe it to me to refund every penny. 
I 'm sure I 'm not the only one who has been ripped off in this manner.

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 2015-07-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a loyal customer of Regions Bank for several years. Never have I overdrafted my account. A week ago I noticed that my account had overdrafted. I immediately went to the bank to pay off what I had gone over. To my shock, I had been charged over {$800.00} in overdraft fees, which is more than the amount I had even gone over. After calling, emailing and visiting a branch SEVERAL times over the course of one week, I have gotten nowhere. Not only that but the person I spoke to on the phone with customer service was extremely rude and even laughed at me. Having never overdrafted on my account and immediately replenishing the account, I believe these $ XXXX in fees is unethical and abusive. I repeatedly asked the bank to freeze my account so that if anything else comes in, it just needs to be declined. They failed to do so as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Describe what happened so we can understand the issue ... 

I order my early warnings consumer report after being denied a checking account with wellsfargo. 
i have found that there are XXXX XXXX XXXX accounts showing on my file with a different ss # and different address that does not belong to me. 
it has been over 30 days and the information has not been removed. It should not be allowed for any credit reporting agency to put derogatory information that belongs to someone with a different social security #, different address & email account. 

this incorrect derogatory information is affecting from opening a checking account. i need this removed immediately. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Echelon Financial, Inc.
State: CA

Complaint narrative:
I received an email from the company " XXXX to sample their genealogical services. When I entered their website, there was a banner from " MyScore '' at the XXXX website to check your credit score for free. I decided to check out the free credit score request given by MyScore. When I entered MyScore website, it immediately led me to give my credit card information, in order to get my credit score. It also started that there was a XXXX access to my credit information and that I could cancel anytime before the end of the XXXX, either by calling them or contacting by email. Understanding that, I gave my credit card information, got my score information and then informed ( I believed ) MyScore of my wish to cancel my XXXX access. I received a reply via XXXX as a confirmation of my cancel request. I later found out that MyScore credited {$29.00} from my account as payment for the credit service membership, which I thought was cancelled. I called the company and informed that I believed I cancelled the service before the end of the XXXX access. I was told that they did n't received any cancel request from me, though I have received such a request from XXXX. I never sign up for any services from XXXX in any shape or form, especially for the money they were asking nor did I gave XXXX my credit card information for such services since already had such genealogy services done from XXXX already!. I believe that MyScore will give the runaround in refunding my {$29.00} to my account, saying I received an cancel confirmation from XXXX for services I applied for with them, when I know I did n't. I never received any email conforming XXXX credit access from MyScore & yet, they have access to my credit account. The only thing I have is the cancel request confirmation from XXXX, after I thought I cancel my credit access the same day I sign up with MyScore!.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
My friend XXXX XXXX and I, we had together a phone account on XXXX. A few months ago we decided to move the account to XXXX causing generating a debt with XXXX but covered by the XXXX XXXX XXXX because we were doing a Buy-Out. The XXXX company sent XXXX prepaid cards where XXXX were lost and we had to wait until the processed the new ones. During this time, the Company Amsher were calling trying to collect the debt for the XXXX account that was closed ( in around less than 3 month ) We explained to them that we were waiting the prepaid cards from XXXX in order to pay. XXXX XXXX, my friend, one day call me and says that a representative from Amsher was calling him continuously and he does n't speak XXXX, so I told him to allow them to call me directly. I spoke with a lady I do n't remember her name, but was the same lady all the time we spoke in many occasions, also we made a payment for around {$1600.00} with the XXXX first prepaid cards that arrived around XXXX 2017. On XXXX XXXX, 2017 this lady called me and says that I had to pay something in order to keep the arrangement they provided me, otherwise, will disappear, after making pression to pay something that day, I accepted to make a payment for {$300.00} for a debt that is not mine, that I am doing a favor, after the PAYMENT I told the lady that she has to wait until we receive the prepaid cards in order to pay the rest, because that debt is not under my name! Today, while I was checking my bank account, I found that my account was debited for {$1200.00} from AMSHER without any verbal or written authorization!!! they took the attribution to charge my account without know if I had money or not, without matter them if it would affect me or not, also I am traveling with my wife and my mother-in-law on Thursday XXXX, 2017, we already have the flights tickets and they had destroyed all my plans, because something that is not my responsibility and I am trying to help a friend mine, this IS NOT MY DEBT! 
My friend name is XXXX XXXX XXXX and the last XXXX number for his social are XXXX. There is no way to provide this information in this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: POPULAR BANK
State: OH

Complaint narrative:
I went to XXXX and filed for a loan their number XXXX, ive spoken with a man named XXXX and XXXX. at ext XXXX and XXXX they claim that when you pay XXXX for the first initial payment, they then will place the money into your bank account. Once they receive the money, they do not place the money into your account and they continue to tell you that they need another XXXX dollars to do the transaction. they are using a phone number for XXXX Illinois and the police department in Illinois stated that they are a fraudulent company claiming to be in XXXX Illinois and after they investigated the company, they found there is no company. They believe this company to be overseas. I have receipt showing money was transacted, text to show they contacted me. Please I need you to return my call regarding this fake company. my number is XXXX and my name is XXXX XXXX. thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: NY

Complaint narrative:
Selene Finance engaged in the prohibited practice of " Dual tracking '' while I 'm applying for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
This item is wrong and inaccurately reported on my report for a while now under different names, first started with XXXX, then XXXX XXXX and now it 's listed under Southwest credit system. 
I 've contacted XXXX & XXXX in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against XXXX. 
for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my XXXX credit bureau reports with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : Southwest credit system/XXXX account # XXXX balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: NY

Complaint narrative:
I assumed a loan that my father had on his house after he passed away. After I assumed the loan the bills were coming as they were before i assumed the loan addressed to the Estate of XXXX and the principal amount on the bills were n't the amount that i agreed to. I was waiting for a bill to come in my name so I could make a payment. Three months after i signed the assumption papers the company sent a delinquent letter still addressed to the Estate of XXXX. I called them immideately and when they said the account was delinquent i made a {$14000.00} that day to bring the account current. I proceeded to call them multiple times to ask them to have the loan put in my name. The only thing that they changed was the principal amount until XX/XX/XXXX, that was when the bills started to come addressed to me. Then they report to the credit agencies saying that i was delinquent. They also sent 2 sets of XXXX tax papers to the house. One set addressed to the estate of XXXX for the payments XX/XX/XXXX through XX/XX/XXXX and the other set addressed to me for XX/XX/XXXX through XX/XX/XXXX. If i was fiscally responsible as they are saying for the months that were late then why does the estate have a XXXX at all? My issue with this company is that the way in which they are doing business is very misleading to their customers. It is their fault that i did n't make a payment because they never sent me a bill. Then they record to the XXXX credit agencies that everything is accurate As you can see there are many inconsistancies in which the are handling their business. In doing so they are affecting my life greatly because my credit has been impecable up to this point. I would like for this issue to be resolved and the company to be forced to communicate with their customers with precision so that this may never happen again

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: POPULAR BANK
State: DE

Complaint narrative:
I tried several times to change my loan 's direct payment from the Popular Community Bank account that I could no longer deposit money to because I moved out of the state of XXXX where they are located, to a new bank account I opened in XXXX Bank. After a XXXX of unsuccessful attempts following the different directions a got from PCB 's personnel, I started receiving several calls a day from different phone numbers. Most of the time they called during the day when I 'm at work unable to pick up my cellphone. Then, a couple of days after that, they started calling my boyfriend, his dad, his grandmother and some roommate I had a year ago when I lived in XXXX. The calls got consistently annoying to me, and everyone else they called. I already paid the debt through the phone, and there is no payment due that is late, but they keep calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
Called to get verification of the debt which they told me they did not have the sign contract nor information about this debt that could be provided to me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: PINNACLE RECOVERY, INC.
State: CA

Complaint narrative:
I have paid my account in full ( less than 30 days since receiving notice ), and I am still receiving multiple calls per day. Today I received a call from Pinnacle debt collection and told the person that I wanted to speak with the representative of the company that holds my maintenance dues in order to sort out why they are saying I owe more money than was paid. He refused to hang up and blocked my line from being used for outgoing calls. I would hang up and wait 30 seconds and pick up the line to call out and he was still there. This happened for over 20 minutes and I found it extremely uncomfortable and intimidating. I also realized that I was unable to call out if there was an emergency in my home.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
This company has reported allegedly owed monies to credit agencies without verifying the veracity of the debt owed. Theyalso did not resolve the dispute that I had made on the allegedly owed account ( I disputed within 30 days of the originalletter ). 
I have never received any communications from Amsher except for one ( 1 ) letter demanding payment. When I contacted them to ask why they reported this account to collections, the operator decided that Amsher was in the right, I was in the wrong, andthen hung the phone up on me. This bullying tactic is unfair to me as a consumer, and the fact that they decided to damagemy credit without verifying a debt owed is proof that they are violating the FDCPA. 
Under the FDCPA, Section 809, clause B : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

As a consumer, I have the right to receive verification for a disputed debt within 30 days. I did not receive that. Subsequently, Amsher reported the account ( without verification XXXX to a credit bureau, which harmed my credit. When I called to get information on why the account was reported to credit bureaus, I was hung up on by an operator.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: NC

Complaint narrative:
FIRST COMPLAINT IS THE AMOUNT THAT I PAID IS NOT WHAT XXXX STATED THAT I OWED. THEY PUT THIS ON MY CREDIT ( IN WHICH I PAID THIS WHOLE BALANCE IN FULL ). THEY ( CREDIT CONTROL CORPORATION ) MADE ME PAY {$150.00} WHEN MY BILL FROM XXXX.

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