vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I recently paid on a bad debt charge I had with XXXX XXXX. I made an online payment of {$200.00} with Aldous & Assosiates. Later on in the week I went to XXXX and learned I was never suppose to be in collections in the 1st place. It was an error on there part. I called Aldous and Associates explaining to them what happened and they stated I needed a letter from XXXX saying I did not owe anything so I can get a refund of the {$200.00}. I paid. I have done everything Aldous and Associates has asked me to do. It 's going on 3 weeks and I have not received my refund. I have called several times and every time I call I am getting a different date on when my money will be deposited. I was speaking to a " supervisor '' XXXX XXXX he had yelled at me, hung up on me, been rude and disrespectful and will not let me speak to anyone else in that office. All I am trying to do is get a refund of my money and this office along with its staff is making if nearly impossible. I have asked to speak to his supervisor or someone who runs that office and I either get hung up on, put on hold for over 20 min or he says he is the one in charge. This is crazy and completely ridiculous. What company can do this to people!! This company needs to be stopped! They can not treat people this way!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC.
State: GA

Complaint narrative:
I do not owe a XXXX bill. I have an open account with them now and have had same account for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: GA

Complaint narrative:
XXXX charge me for service and product for that they erroneous duplicated. They sent me XXXX modems and XXXX different phone numbers. XXXX I used for year and half and other modem I sent back. I have tried to get this corrected since the service started om XXXX of 2013. They claimed I owe them {$350.00} for service I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 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: MS

Complaint narrative:
XXXX sent the wrong internet equipment and when i didnt use it they charged full price and wouldnt take the equipment back. When i attempted to buy a home a sent a settlement pay of XXXX just to clear my credit and the transferred it to a collection agency. The payment was supposed to be forwarded to the right people but was " lost '' in the mail for months. I finally stopped payment which cost extra they somehow found the payment and sent it back to me. I had a lawyer notify the appropriate dept and the entry was removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: MN

Complaint narrative:
I have settled a claim from XXXX XXXX XXXX that I owe a debt to them. I filed XXXX claim after I had spoken to many different managers at XXXX XXXX that claimed that my balance was at {$0.00}. No debt was owed as a result of poor service and I have communication from them attached, showing that the debt is no longer owed to them. Over the past 16 months, I have gotten MULTIPLE debt collection companies attempting to collect a debt that is not owed. These various companies appear to be selling this debt to other companies when they realize that there is no debt to collect. Every couple of months I get a new letter from a different company stating I owe them money. How do I get this to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 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: MA

Complaint narrative:
Calls my phone XXXX times a day, looking for someone that is n't me. They said they would stop calling and take phone # of list but they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have recently had direct deposits delayed into my account by 23hours 59 minutes. I am concerned that Regions Bank is pulling the same scam that XXXX was. Why not? nobody goes to jail. Small fine. good scam.

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 2016-05-21 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: TN

Complaint narrative:
I do n't owe any money on the account that a company called AFNI is saying I owe. My XXXX XXXX XXXX account has been closed for a couple years, I paid all my bills on time. I can still login into XXXX XXXX XXXX and it shows noting that I owe! If I call them they say the same thing! 

There is no bill I owe and I 've never got a bill or communication from XXXX XXXX XXXX about any debt, ever! So I have no idea where this is coming from other that this is highly suspect and a scam. It 's bad enough this is wasting my time, but if it 's impacting my credit they need to fix that immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Clark County Collection Service
State: NV

Complaint narrative:
I have requested these XXXX accounts be validated and was told that they did not have to since it was not requested in the first 30 days. I never received notice at any point that I owed anyone any money. I have disputed this with the bureaus several times and spoke to this company directly. I am getting the run around and there is nothing that indicates this is mine. I want it off my credit report this is absolutely illegal what they are trying to do. I want a letter from them indicating they are deleting any reference to the XXXX accounts XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Nationwide Biweekly Administration, Inc.
State: TX

Complaint narrative:
I enrolled in a biweekly interest minimizer program XX/XX/XXXX and on XX/XX/XXXX they notified me by email that the program is no longer available but I need to know where my money is that was taken from my account in XXXX previous to the email. My house payment is now outstanding and I need my money back. I 've called over XXXX times and you get a recording to call back due to high call volume. I 've emailed and no one returns my email either.

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 2015-08-21 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I sent a CERTIFIED letter of dispute to Automobile Acceptance Corp. on XXXX/XXXX/2015 and demanded a validation of debt. I was asking for the proof regarding the debt that I owe and verifying it. I have a signed Receipt from Automobile Acceptance stating that they received the letter on XXXX/XXXX/2015. On XXXX XXXX, 2015 I sent another CERTIFIED letter stating I do not believe I owe what they say I owe and in accordance with the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g SECTION809 ( B ) Validating Debts, that this matter is closed since they failed to respond, I assume that they were unable to validate the debt. I contacted ( XXXX ) XXXX ext XXXX or XXXX ) the collections department on XXXX/XXXX/2015 and spoke with XXXX ( front desk ) @ XXXX ; XXXX whom transferred me to XXXX and I got the voice mail, I called right back spoke with a XXXX ( front desk ) on XXXX/XXXX/2015 @ XXXX who transfer me to XXXX XXXX in collections on XXXX/XXXX/2015 @ XXXX. I explained that I needed to speak with someone in compliance regarding a debt validation that needed to be deleted from my credit report. she advise me that she did not have that authority to do so and asked me to fax over my documentations so that she could forward them to her manager whom was in a meeting a the time. I tried to fax the XXXX and the fax failed so I hand delivered them into the office located at XXXX XXXX XXXX XXXX Ga XXXX at the payment center and they were signed and received by XXXX XXXX on XXXX/XXXX/15 @ XXXX. I received a phone call from XXXX XXXX XXXX XXXX Collections manager on XXXX/XXXX/2015 XXXX that lasted 14mins and 40 secs. I advised him that the Account with his collection was not validated with in the 30 day period and I wanted this matter resolved by having it deleted ASAP. He replied by telling me that he had just sent out a letter to me yesterday in reference to my letter dated XXXX XXXX, 2015. I also advised him of the FAIR DEBT COLLECTION PRACTICE ACT, 15 USC 1692g SECTION809 ( B ). AND TOLD HIM THAT IF HE DIDNT COMPLY THAT I WAS GOING TO REPORT VIOLATIONS OF THE LAW TO MY STATE ATTORNEY GENERAL, THE FEDERAL TRADE COMMISSION AND THE XXXX. His reply was go ahead. He later said he would get back with me on Monday XXXX/XXXX/2015 after he spoke with someone to see if I was right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
A company that poses as a collection company calling me that I owe them money using information of my address XX/XX/2007? and a bank that I used in that year BANK OF THE WEST. They claimed that I had a credit card from that bank and owed money from that bank?? I never did because I just got out of chapter XXXX in that year I had not lived there since then? They can not provide any other information but keeps changing their collection agency phone number and they are always XXXX PEOPLE? last phone number used 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 explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
After survivng Hurricane XXXX and XXXX oil spill, predatory company LVNV Funding LLc sued me, won and now garnishing my paycheck for $ XXXX/month. They stated that they bought a 15 year old XXXX XXXX credit card debt that I was paying every month. Because I refused to pay them three times what I was paying XXXX monthly, they hired a local attorney and sue me in XXXX XXXX Court. 

I missed the court date and could not afford an attorney because of work. So, the judge favored them without my defense. 

What can I do to stop this illegal action?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 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: GA

Complaint narrative:
There is achatge of {$510.00} placed on my credit by, AFNI , INC . 
Address : XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account Number:XXXX, Original Creditor : XXXX That I do not recognize. I have requested more information on this account and disputed this item several times, but no changes as of now. Please help to identify this item and cancel, since it does not look familiar. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 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: MD

Complaint narrative:
I received a collection notice from AFNI dated XXXX/XXXX/XXXX. The alleged amount owed was {$59.00}. This allegedly represented the final amount due on for cable services from a XXXX account I had in XX/XX/XXXX while living in with XXXX XXXX county XXXX service area. I called the AFNI to dispute the bill as I am certain the final bill was paid. 

I left XXXX on XXXX XXXX, XXXX so that I could move into temporary housing provided by my new employer in the XXXX XXXX area. As the temporary housing was paid by my employer, including all utilities for a six month period. I did not attempt to transfer XXXX services. I turned in the cable box and paid the final bill in XXXX XXXX and relied upon a hotspot I had with another ISP for internet service after I turned in the equipment to the XXXX XXXX XXXX in XXXX XXXX XXXX. 

After I left the temporary housing in XXXX, XXXX I moved to XXXX, XXXX and established service with XXXX once again XX/XX/XXXX. Although I have been with XXXX since that time, I have turned in equipment from one market, ( XXXX ) and reused new equipment in a new market ( XXXX ). I am well aware of the protocol. 

On XXXX XXXX, XXXX I received another bill from AFNI for {$500.00}. This is nothing less than extortion. It has been roughly 6 years since I turned in the XXXX equipment from XXXX county XXXX. I have been with XXXX since that time with the exception of the time I was in temporary housing. If I had not turned in the original equipment XXXX would have billed me for it by now. I do keep records for 3 years but it is long past that time. I was informed by the AFNI representative that absent documentation from 6 years ago they would pursue this issue. It is simply unreasonable to allow a subsidiary of XXXX ( AFNI ) to extort consumers who do n't maintain paper receipts of a transaction with their organization from years past. XXXX left hand is n't talking to it 's right hand. This bungling bureaucracy can not be allowed to extort consumers, let alone its own customers. I specifically dispute the original {$59.00} charge and the additional {$450.00} AFNI tacked on to extort me into paying the original {$59.00}. Perhaps this is one of the reasons XXXX is such a hated company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: NY

Complaint narrative:
voluntary repossession amount of debt not true

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC
State: ND

Complaint narrative:
Early Warning is reporting a fraudulent and unauthorized XXXX Checking Account on my Early Warning consumer report that do n't belong to me. I am a victim of identity theft and someone stole and used my personal information to impersonate me and opened a fraudulent and unauthorized checking account with XXXX. I have attached documents to this complaint I sent to Early Warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: AFNI INC.
State: IL

Complaint narrative:
This AFNI Inc Account does not belong to me. AFNI Inc informed me that this account was charged off my XXXX in XX/XX/2008. AFNI Inc has not provided any documents in regards to this Account.Please ask AFNI Inc to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 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: MI

Complaint narrative:
I owed an outstanding balance of {$120.00} to XXXX XXXX XXXX for a land-line service that I no longer needed. I paid the outstanding amount of {$120.00}, based on my billing statment from XXXX XXXX XXXX ( including late fees & penalties ). I had no indication other than that XXXX XXXX XXXX accepted my payment in full. 

It appears that XXXX XXXX XXXX either sent this debt to XXXX different Debt Collection Agencies or this debt was sold from one debt collector to another ( XXXX XXXX XXXX phone XXXX ) and ( AFNI phone XXXX ). Both debt collectors are based in MN. One company ( XXXX. XXXX XXXX ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( AFNI ) reported the same debt with somewhat different information, to the Credit Reporting Agencies, using yet another different account number. This resulted in this SAME debt being listed 3 times on my credit report, even though the debt had already been paided in full ( based on my billing stmt ) directly to XXXX XXXX XXXX ( confirmed pmt received {$120.00} on XXXX/XXXX/2014 ). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was " paid-in-full, based on the last billing statement ( including late fees and penalties ) from XXXX XXXX XXXX. A debt collector should not be able to request more than the amount of the outstanding debt. 

My contention is that my credit profile should not be negatively affected by the mistakes of XXXX seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can one debt collection company sell a debt to another, thus possibly increasing the time that the information remains on my credit profile? 

Because of these obvious mistakes in reporting by XXXX different debt collectors and the fact that my debt had already been paid directly to, and accecpted by, the original debt holder ( XXXX XXXX XXXX ), I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for AFNI, should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 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:
I have written EOS CCA dispiting this and asking for validation. They do not respond but keep mailing me settlement offers. This is not mine and I demand they cease and desist collections efforts, remove this from their database, and they best not be reporting this to the credit bureaus ; if so they MUST delete it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 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: GA

Complaint narrative:
I sent the company a letter asking for debt validation and I did not receive anything from them. I received a collection letter a week or two after I faxed the debt validation letter to them, as if they were just assigned the debt, which is not the case. I faxed another letter disputing the debt on XX/XX/XXXX and I still have not heard nothing from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
1 ) Regions ' website shows in XXXX places the balance I owe is {$87.00}. 
2 ) When I called in to pay it off they say I owe approximately {$120.00}. 
3 ) The website is attempting to under report what I owe so that it takes longer to pay it off. I 've thought that I had paid it off a few times but the website misleads you on what you need to pay off the loan. 
4 ) Due to their deceptive website I want my balance waived and for the website to be improved so other borrowers will know exactly what the payoff is at all times. Regions is being very deceptive, including limiting the ways you can pay off your account when you call ( you ca n't use debit or credit cards online or over the phone ).

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 2016-11-10 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 was a victim of identity theft, This Company Keep reporting information not mine to all credit bureaus ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
hello we have a card with company we where never late XX/XX/XXXX we had an emergency my father passed away and i had to leave out of the country but calle this company and informed them but they still charged me the late fees and reported me as past due to credit agency

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