vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-14 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: WI

Complaint narrative:
Received a letter trying to collect {$210.00} for XXXX XXXX services. Letter was sent to my address, but addressed to someone else. 
I have n't had XXXX XXXX for over 15 years, and when I contacted their customer service, they told me the account number in the letter does n't match my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
Several calls and voice messages were left at my residence attempting to collect debt that I do not have knowledge. I have informed them that the debtor was a different person having similar name to myself and my spouse. I have validated my address and date of birth, and yet the collection agency continue to leave voice messages which are disturbing and offensive, considering to the playback heard by my family. They confirmed that it was a different person, however, the calls did not stop. I requested for a written correspondence from the collection agency that they were attempting to collect a debt from a different person bearing my name. However, they declined to grant my request. 

I am bothered that this is a case of mistaken identity and my personally identifiable information has been compromised or sold elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX I was charged XXXX by XXXX. I had canceled my membership well before the renewal period in XX/XX/XXXX. I went into Regions Bank on XX/XX/XXXX to dispute this transaction and provided them with the cancelation number as I had not received a refund back from XXXX. On XX/XX/XXXX I received a letter form Regions stating that my claim was denied. the letter sated that my claim shows I cancelled after the transaction date! WHAT! I told Rgions this was straight up fraud by XXXX. I never authorized XXXX to charge my card and I revoked my authorization for them to renew my membership. I have tried to resolve this with XXXX and Regions and have not been able to. This charge is straight up fraud by XXXX.

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 2016-02-04 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: NY

Complaint narrative:
AFNI COLLECTION AGENCY they send me bill home withe incorrect info, they r claming i owe XXXX monney, i contact them to provide prove to me withe incoming and outgoing calls they r made from thet XXXX number they refuse to do so, i contact XXXX i ask them same question they toll me we dont have any account, i call back afni ask them agian for prove to send me home they only thing is they threating me with law suit and pay as the monney and do not send any affidavit to any goverment agencys they tell me i dont have right to do thet only think and right i have acording to this colection agency is pay monney thet i dont owe any XXXX to them or att, please help me to resolve this issue withe this AFNI collection agency and att ask them to provide prove to you withe any phone calls thet wose made from the phone they r claimg i opend in 2012 i never have any service withe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: TX

Complaint narrative:
XXXX showed up on my report ( from a closed acct 10 years ago ) I called XXXX to check on it they gave me the amount same of what was on my report when I contact AFNI debt service the said the want twice what XXXX said also they said I need to pay it then proceeded to tell me I have another account they are trying to collect which I paid and have receipt for I asked them to take that off my report and they said not until I pay the XXXX charge also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 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: OR

Complaint narrative:
A company by the name of AFNI has reported a collection debt on my credit report as in collection, but has made no attempt to contact me either by phone or mail so this debt can be settled

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 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: SC

Complaint narrative:
In XXXX 2016 I got a collection notice from AFNI, responded back on XXXX XXXX, 2016 and another response On XXXX XXXX 2016 stating that i did not owe the XXXX I told them they need to validate the debt with the original debtor XXXX XXXX XXXX uverse because XXXX of the debt was for equipment that i returned via XXXX. I sent them the return receipt of the equipment and a proof of delivery, I called them I told them I would pay the XXXX from the XXXX told me they would get back with me and while i was waiting the reported the full amount to the credit Bureau 's So i called them back and they told me that XXXX XXXX XXXX XXXX never received the equipment, and I have sent them proof the equipment has been returned by a Proof of Delivery from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST
State: NM

Complaint narrative:
The bank charged me a {$35.00} fee which was unfounded and a huge disservice as a single mother who literally counts pennies to feed my child. I will not have anymore income for two weeks and that {$35.00} dollars was literally the budget to feed my daughter! Child Support issued my benefits on XXXX/XXXX/16 ( documentation attached ). I wrote a check in the afternoon on XXXX postdating it for XXXX/XXXX/16 which is when the {$130.00} showed up in my bank ( which was initiated on XXXX ). Yet, somehow when I woke up on XXXX/XXXX/16 the check had already been cashed ( again it was post dated XXXX/XXXX/16 ) and I had a {$35.00} fee. I do not have any money to throw around and I am disgusted in the Bank of the West for fraudulently sneaking in fees like this. I would normally let it slide, but I do not even have {$35.00} left in my bank to feed my child for the next two weeks thanks to this unexpected fee which I did my best effort to avoid by not letting my account go negative, but still got XXXX over by Bank of the West!

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 2016-10-26 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: SC

Complaint narrative:
XXXX XXXX used XXXX different collection agencies to settle a {$360.00} debt. Those collection agencies were XXXX and AFNI. Again they are the same debt. I settled with XXXX and am no longer in an outstanding status with them. AFNI still shows that I owe the same amount I already settled with XXXX. It is harming my credit by remaining open and outstanding when I in fact paid and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Early Warning is reporting a fraud situation completely barring me from opening a bank account. I was a victim of someone who tried to redeposit a check i had previously deposited by mobile phone

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received notice from my attorney XXXX XXXX XXXX on XX/XX/2016 informing me that my mortgage lender Regions Bank dba regions Mortgage has declined the short sale offer presented to them by XXXX stating there is not enough time to review for short sale due to the foreclosure date set for XXXX/XXXX/16 and that they require an offer within 35 days of a scheduled foreclosure to proceed. Regions has also declined XXXX 's postponement requests and will not reopen the file. I believe that Regions has been unreasonable in rejecting a verified binding short-sale offer simply because they do n't have sufficient time to review the offer. The buyer has already conducted a thorough inspection of my property and home. I am desperate for help and do n't know have any remaining viable recourse to stop the XXXX/XXXX/16 foreclosure. I am in this position due to divorce and have been working diligently through XXXX to complete a short sale. I do n't believe in filing for bankruptcy and I do n't have the money required for reinstatement of my mortgage loan even if I liquidate my 401K. According to my attorney Regions is not doing what the government says the lenders should to provide foreclosure alternatives to homeowners. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC.
State: IL

Complaint narrative:
This was discharged in bk. They have left an open account without any creditor information or balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My father a retired XXXX year XXXX XXXX Veteran recently passed away and I went to his local bank, Regions, located at XXXX XXXX XXXX XXXX in XXXX, AL to notify them ( and provide a death certificate ). I asked the bank to place a hold on his checking account to prevent any unauthorized debits while we completed the probate process and the bank personnel refused to do so. They were extremely rude and demanded that I provide letters of testamentary from the probate court, even though I was not trying to access the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Continued to report on my credit report a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I received a loan from the cash store for a total of {$2000.00} and was told that the payments will be deducted from my checking account if I was not able to pay. I have been charged an overdraft fee because the funds were not available and even though I notified them in advance the my told me that there was nothing that could do besides refinancing my loan and making me start all over for a payment that was only about {$100.00} dollars cheaper but still almost unaffordable. My payments are currently {$500.00} and I can not afford them I am being charged upwards of 400 % maybe even more.

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 2016-10-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
I replaced my XXXX lease of a XXXX XXXX with a XXXX XXXX XXXX. During the process of this transaction Hyundai has recorded that I was late for payments on the XXXX lease that I was not responsible for paying because I had traded the XXXX car in for a XXXX. It has impacted my credit score with XXXX and XXXX. I need Hyundai to correct the late payments on my credit bureau, I have never been late for any payments with Hyundai.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11 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: TrueAccord Corp.
State: PA

Complaint narrative:
I do n't recognize a debt forwarded to this company in my name. I received a random email 3 days ago on an account I do n't use ( luckily randomly checked my inbox today ). It was related to XXXX XXXX, whom I was a client of in 2015 but do n't recognize the charge they 're pursuing against me. I never did a {$100.00} transaction, which both companies say I owe. I refuse to pay something I did n't do and will not tolerate any impact to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
My spouse had to change her number because these people kept calling at odd times to ask about some address in Texas that I never lived at!!!!! We do n't have no {$400.00} to pay them. We 're on a fixed income as it is, and these people just do n't leave well enough alone!

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 2015-06-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIGY USA CORP.
State: CA

Complaint narrative:
Sent a letter asking for this information. Did not get anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Risecredit, LLC
State: NC

Complaint narrative:
I have sent several requests to RISE per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.

Company response to consumer: Closed
Consumer complaint received 2015-05-07 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: Radius Global Solutions LLC
State: WA

Complaint narrative:
We have been with XXXX for over a year now of which we bundled our services when we signed up. I have been on auto pay since doing so. I got a notice from Central Credit Services stating I am in collections for {$170.00} with interest accruing. I have made several attempts to contact XXXX XXXX, some could not locate this account, XXXX in Billing said they never linked it to our account and do n't worry about it. I have asked them for a copy of this bill which they will not provide. I have copies of ALL my statements around the time they said the services were due and nothing shows unpaid. If this makes my credit report I will be furious. Today I called the credit company to get a fax number to send them the statements I have and the social does n't match mine. I am wondering if they are making up bills and sending them to collections to get more money in hopes people like me do n't inquire.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Data-Central, LLC
State: MD

Complaint narrative:
checking account card was stolen. I issued to close account shortly after unauthorized activity on account. Company was sold to new party .... years later I have an unpaid balance Iam unfamiliar with, that 's now in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
The Simon 's Agency in XXXX XXXX put a medical debt that my ex-husband is responsible for in the name of my XXXX year old child. They have relentlessly called my personal cell phone and sent letters to my address where my ex-husband has never lived. They also suddenly changed tactics and decided to put the debt in the name of my daughter. When I called they refused to change the name to the father of the child who is listed on the health insurance and who 's address is listed on the insurance ( I have nothing to do with and have never had anything to do with this insurance ). I spoke to XXXX XXXX about this matter and they called Simon 's Agency to change the name to the father, but Simon 's refused to change the phone number or address so I will continue to get the bills and phone calls. I just received a phone call XXXX mins ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: NJ

Complaint narrative:
I get a call or a letter from dynamics recovery, saying I owe a dept, i don, t owe this dept, talk to my bank they agree its a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Risecredit, LLC
State: SC

Complaint narrative:
RISE which I know nothing of received a notice from me asking for verification of this debt that they claim that I owe with them. I want the original signatures and documents relating to this particular debt amount. They never responded to my request sent to them for verification .The letter was delivered to them XXXX/XXXX/16 to their front desk. 

1st violation is they did not respond to this. FDCPA violation 2nd violation they never notified me of this debt in the beginning before it hit my credit reports. FDCPA violation as well as FCRA violation 3rd violation they verified with the credit bureaus of this fraudulent account and this is a violation of the FDCPA and FCRA. 

I have the attached delivery sent to them asking for verification and the response from the credit bureau stating that they contacted RISE and they verified the debt but they refuse to verify it with me. I will resort to legal grounds and take it further if I have to. I want this account deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC
State: VA

Complaint narrative:
The afternoon of XX/XX/XXXX I received a call from a debt collector saying they where collecting a XXXX XXXX acct from XX/XX/XXXX the girl on the phone said the acct was reporting on my credit report on and it was n't she did n't inform me that she was a debt collector and that she was attempting to collect a debt then the girl stopped talking then her supervisor can on the line and said that the girl was new and it was OK then he said the acct was n't on my XXXX and said that she was looking right at it and when I told her it it is not on XXXX she stopped talking and her supervisor came on the phone and said the girl was new reporting then said this was n't a reporting issue I let him know it was because she mislead me to think it was on my credit report so she could try to scare me into paying on this acct then His manager came on the line and said he was going to hang up on me because I was n't being professional then he put me on mute to wait for me to hang up came back to the line and was tell me to pay the acct when I started talking about how his company did n't follow the fdcpa he said he was ending the call. The company on XXXX in XXXX nc and the caller I 'd said va.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
A woman named XXXX XXXX from Dynamic Recovery Solutions called my husband looking for payment on a charged off credit card in my name from 2004. He informed her that the statue of limitation had run its course and she threatened to ruin his credit if he did not give her my direct phone number. 

I then called the company myself and spoke to a different collector who then told me they would sue me if I did not pay the account in full despite me reciting the statute of limitations and my rights under the FCRA. He then hung up on me.

Company response to consumer: Closed with non-monetary relief