vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit International Corporation
State: CA

Complaint narrative:
My wife was made aware of an outstanding debt she owed to XXXX XXXX College. She did not receive any notice and only found out about it when attemtping to request transcripts. The debt is from XXXX and neither the school nor the collection agency have described to us the nature or reason for the outstanding debt. 
The original amount owed was {$370.00} and has escalated up to {$1100.00} due to interest and fees per the collection agency. We have sent a debt vericication letter on XXXX/XXXX/XX/XX/XXXX and are still waiting for a response. 
After talking to them on the phone they offered to settle the debt for {$750.00}, without verifying the debt. Since we just want to take care of this we agreed to meet their settlement for {$750.00} but they absolutely refuse to provide us with a letter or email of verbal agreement describing the settlement. The only explanation they offered is that it is company policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
the company violated the fair credit reporting act. the company is reporting 3years after the debt originated. this is an blatant attempt to disregard the FCRA and keep it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
This company repeatedly robo calls my fax machine every single day. Because it is automated and to a fax machine, there is no way to get them to stop. 

I have no accounts in collections and these calls are not for me. Because it is a robot dial to a fax machine, there is no way to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Commonwealth Financial does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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: OH

Complaint narrative:
I have a a unverified account from AFNI. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 has adverse information from XXXX in regards to a fraudulent and unauthorized checking account. I have never opened a checking account with XXXX. Someone stole and used my personal information to impersonate me and open up a fraudulent and unauthorized checking account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had pull my wife off of my bank account, and during that process the bank went in to her account and pulled {$130.00} out to put in my account because it was overdrawn for 15days and cause her account to go overdrawn due this process. At this point now both accounts are overdrawn and the back is saying ohhhhh well it is in the agreement.

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 2016-01-23 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:
Afni Inc has placed a fraudulent trade line on my credit report in order to extort monies from me that I do not owe. I have ask repeatedly for Afni to validate the debt per the FCRA/FDCPA and they have failed to do so. There negligence is causing me personal injury. 

Bogus account number listed on my credit reports is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 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: EOS Holdings, Inc.
State: NJ

Complaint narrative:
EOS CCA contacted me via phone towards the end of XXXX 2016 claiming to have a debt from XXXX XXXX. They asked for my full social security number, which I refused them. They asked for the rest of my information, and after I asked them what they had on record discovered that all of their information was false. 

Nonetheless, I asked them to validate the debt and I gave them my mailing address to continue to correspond. They sent a letter XXXX 2016 that did not contain any validation, only a request for payment. I responded to this with a Request for Validation letter sent via certified mail, return receipt. 

This letter was not responded to. I contacted XXXX to verify the debt, and they had no information about it. 

Less than 30 days later I discover a claim on my Credit Report, and my credit score was damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 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: AFNI INC.
State: AR

Complaint narrative:
A account was opened in another state when I was XXXX XX/XX/XXXX, When I called Dish network and told them about it. it was removed. Now here XX/XX/XXXX they come back saying it was for my address which I never had account with them in amount XXXX and change. I sent a police report and stuff to everyone XX/XX/XXXX that several accounts where open when I was deployment. No one was living at my house at the time. So no XX/XX/XXXX they keep sending it to different collection agencies even after I talked them and agency returns the account back to after looking at the dates. and all XXXX XXXX is say that they are informing of a debt and do I still the equipment. I did n't sign for or authorize this account and after checking with my ex wife to see if she did where she was living she said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
My social security was used to set up accounts. My roommate used my info to set up these account without asking me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
I rented a XXXX ' unit from an XXXX, CA, storage place to store science education materials for nonprofit classes. The company added an unexplained {$140.00} fee when I was moving out. I made it clear I would n't pay it without a good explanation. They provided a list of payments but there was none missed except for an alleged XXXX from a past rate increase 6 months earlier that I pointed out had arrived too late for the required 30 days ahead. They admitted in an email the rate increase was mailed out only 2 days ahead of the required 30 days. It can often take more than 3 days for mail. I documented by video they said this {$13.00} was not important but it is not clear if this is relevant. But now they 've reported this unexplained XXXX to a collection agency who claims it contacts all the major credit reference companies. I 'm not sure what to do about this " snake in the grass '' company. A few months after they bought the company about 2 years ago, they emailed me while I was out of state on vacation that my locker had been broken into and emptied, but later when I asked them to review video tapes they admitted it was a mistake.

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 2015-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Today, XXXX XXXX, 2015, an employee of Regions Bank located at XXXX XXXX XXXX, XXXX, TN XXXX, released personal information, to an unauthorized individual. The individual, a friend of my mother, was doing some personal banking for her. The bank manager looked up my personal account and informed him of my account balance. The individual then notified me, by phone, of this incident.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 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:
The collector debt company Name EOS/ CCA XXXX I think they are Fake collection agency because they send me the collection notice that I owe money frome XXXX XXXX cable company at the address that I do not live in or have anything to concern about the service XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Luna Financial LLC
State: CA

Complaint narrative:
Luna Financial located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX has called me on numerous occassions trying to locate my sister and nephew because they were late on their payment, XXXX XXXX and XXXX XXXX, who have a car loan with them. They were not skip tracing. They would also leave messages on my voicemail. I asked them to stop calling me month after month. They stopped. Today, XXXX XXXX, 2015, I received a call from them again. I told the gentlement not to call and that I had asked them in the past not to call me anymore. He said they were going to continue and call me again next month and hung up on me. I called back to ask for a manager and the same guy answered and said that they were going to continue and call me and hung up on me again. I would like for these phone calls to stop. I am not a message center. I would like my phone number to be removed from their records and for them not to contact me again. 
Thank you. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 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: Clark County Collection Service
State: CA

Complaint narrative:
i have became a victim of identity theft since 2005 i have major police reports i had everything stolen from me someone in XXXX for a condo in my name and skip out on the lease costing me XXXX on my credit report i have spoke with XXXX county hundreds of times and they told me that it will remain on my credit they told me that i should have been more careful and held on to my purse i was XXXX and for them to say such unbelievable words was beyond me. i had no choice to report them to get some help on this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
I was never informed that we had a right to dispute. I try to pay a little bit every month but I have informed them multiple times that I must receive a statement every month if they want to be paid. Then when they do n't get paid they start harassing me. I am never sure if they are actually posting the payments to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: AFNI INC.
State: OR

Complaint narrative:
I cancelled a contract that dish network forged my signature on. They say I owe them money, but I do n't. Anfi started calling me last month. I sent them an e-mail on XX/XX/XXXX telling them to stop. They did for awhile, but now they started to call again. I am going to sue dish in court very soon and this will be settled there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 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: EOS Holdings, Inc.
State: CA

Complaint narrative:
I had my XXXX credit report done on me ... .and it turns out that my identity was stolen ( back in XX/XX/XXXX/XX/XX/XXXX ) ... .without my knowing ... .and my information was used to open several accounts. I have file a police report stating the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
RESURGENT CAPITAL SERVICES has initiated a review to collect on a debt that was settled in court back in 2012 and the debt currently paid off. They are claiming ownership of the original account and trying to collect, requesting documentation and my personal information, SSN and checking account payments in order to prove that I do not owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
A judgment was received by this company illegally. They stated that the served me with notice of this judgment, however, this is a lie. The date they say I was served I was in bed recovering a XXXX. in 2013 I was XXXX, XXXX, XXXX XXXX. I could not have been delivered papers regarding this and there was no one else at my home who could have accepted it at the time they are stating. I was in bed, on XXXX and could not have walked down the stairs to answer the door. I did not even know about the court date or I would have shown up in court. They had to have lied in court and stated I had received notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX Real Property Taxes XXXX are due XX/XX/XXXX. Furthermore, XXXX Citizens XXXX are entitled to defer tax obligations to a later date. 

Financial Freedom paid my property taxes, without solicitation, XX/XX/XXXX - at lest four moths before they were due. Please see attached tax receipts. They are now threatening me with with delinquency letters and foreclosure proceedings. Please see attached " Property Charge Delinquency Letter. " In addition, Financial Freedom is charging me for {$1800.00} rather than the {$1200.00} that I owed in property taxes for the year. This is unconscionable and a violation of our mortgage agreement. My obligation is to pay the taxes when due - XXXX has breached our contract by paying my property charges without notice. I am now trapped in a situation whereby I face the threat of losing my home over {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 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: IN

Complaint narrative:
I have NEVER had a credit card with XXXX XXXX XXXX. This debt is being shopped around to several collection agencies dumb enough to buy it. This is NOT my debt and I will NOT be paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied online for a credit card with Pentagon Federal Credit Union. I was told in order to " apply '' for this credit card I would have to deposit money into a new account otherwise I would NOT be allowed to apply. 
In the application I was prompted to deposit an amount into a new account to process my application. 
Afterward the application was completed I hit the process button and was '' denied '' a credit card from Pentagon Federal. BUT they never offered to return the money I deposited for the purpose of applying for a credit card. 

Now I have a account I did not want to begin with, and feel this is a VERY DECEPTIVE business practice just to apply for a credit card and then be denied. 
Pentagon Federal should NOT require opening any account unless they " approve '' a credit card application. They should also be forced to refund ALL monies taken by this deceptive practice of denying credit card application in order to solict money to open unwanted accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
THE COMPANY CONTINENTAL FINANCE THAT GIVES CREDIT CARDS CHARGED ME A XXXX A YEAR AGO. I 'VE PAID ON TIME EVERY MONTH, I JUST SENT XXXX AND THEY DID ALL KINDS OF XXXX CHARGES TO KEEP MY BALANCE HIGH. MEMBERSHIP ETC ALL KINDS OF CHARGES ( THEY ALSO KEEP A XXXX FROM PEOPLE SAYING IT GOES AGAINST THE BALANCE OWED IF CANCELLED, BUT REMAINS TILL PAID OR CANCELLED, MOST COMPANY 'S CREDIT YOUR DEPOSIT

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 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I have a loan with New American Funding with a first payment due on XXXX XXXX 2015 and payable by no later than XXXX XXXX, 2015 to avoid a late fee charge. I checked with the company to be sure that I could submit advance checks for the mortgage amount to be credited each month and NOT TO BE CHARGED AS A LUMP SUM PAYMENT REDUCING THE PRINCIPAL. I was told I could do this and was given instructions on how to ensure the transactions occurred as I wanted. On XXXX XXXX, I mailed XXXX individual checks for each month : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX with a memo on each check for the appropriate individual month 's payment. I sent a letter of explanation ; reiterating my conversation with the NAF rep. On XXXX XXXX I noticed the XXXX payment was not entered on line. I called on XXXX. XXXX and was told that due to the new payment system NAF " is at least 10 days behind posting and my payment should be posted Thursday and there would be no late charge even though the posting date would be real time. On XXXX XXXX I checked my bank statement and there is a transaction for each month 's check reducing my bank balance. On XXXX XXXX I called and was told that the corrections would be made within 7 days per the instructions I had originally submitted -- that there was an indication of a " notation in the system '' but it is not clear what it is - that the problems with their payment system are now corrected. I asked when would the corrections be made and she said she would call me to confirm the transactions have been corrected. I am skeptical because my instructions were clearly understood from the beginning ( or I was made to understand so ) and it appears they were ignored. I want to be sure the corrections are made, my instructions are followed as indicated in my letter to them and my follow up telephone conversations, that my bank account is reimbursed for the funds taken for XXXX, XXXX, XXXX, and XXXX. I do n't know what benefit resolution could accrue to be because they have debited by account 15 days prior to the XXXX mortgage due date, but if there is any I would like to know. If there is little or nothing in that regard, I will settle for the amount of the check for the XXXX 2015 mortgage due to be properly processed as requested and that New American Funding ensure that this problem is fixed and no customer has to endure this kind of stress of ineptness in the future ; especially when so much is done up front to avoid problems and confusion. ( See uploaded documents for details of this matter. )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation