vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC.
State: GA

Complaint narrative:
XXXX is reporting on my credit file and should be remove must be removed this a collection account it they only have 180 day from the time they get the file assigned to a collection account to be on my credit on top of that it was charged of and a medical debt that was paid by insc. this account can deletd for any and all reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 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: AFNI INC.
State: PA

Complaint narrative:
XXXX bill was NO longer in my name, when it went to collections. I took my name off the account 4 weeks after account/line was opened. Myself and the primary account holder completed a change of liability at the XXXX store.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
Today XX/XX/2015, I received a phone call from XXXX claiming they are debt collector. I think it is a some sort of solicitation, because far as I know, I do n't have anything go into debt collection. I informed the guy immediately, I have an attorney, but he continue to pressure me to ask, if I am filing bankruptcy, even after I repeated about XXXX times that I have an attorney, please contact the attorney directly. He was very forceful, and he claimed ignorance when I informed him that it is illegal to ask me questions when I already inform him that I am represented by an attorney. I asked for his information, I am not sure if he gave accurate information because he was very evasive. He claimed his number is XXXX, name is XXXX ( though he quickly said another name ) with operator number XXXX, company XXXX or something. I gave him my attorney information and hanged up, but I think it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 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: MT

Complaint narrative:
Closed XXXX network account and being charged after told it was not an issue if I sent the equipment back by using their shipping boxes, which I did. However, they still charged me afterward.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 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: NE

Complaint narrative:
ANFI has reported a collection item to the credit reporting agencies on me that is false. The collection is on a XXXX bill which I never incurred. I have never had XXXX. I disputed it but the agency will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AFNI INC.
State: NY

Complaint narrative:
You already know that I was in jail from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and your institution has my discharge papers from jail. Att reported a debt of {$850.00} to AFNI collection agency after I talked to them on the month of XXXX about what happened to me, I told them that I 'm gon na start making payments beginning XXXX XXXX they said it was ok but when I checked my XXXX report today XXXX/XXXX/XXXX I saw that they reported to the collection agency, i told them that I need time that I 'm looking for a job and I 'm even receiving mental treatment because of the situation I lived and the problem was with my baby 's mother. I contact ATT several times but they keep saying that I need to pay this immediately that they do n't have to follow the note of my explanation to them back on XXXX of this year and they transfer me to the collection agency. My Att phone number was XXXX I do n't have the account number right now but I think with the phone number you can get into my account and my social security # is XXXX. Please contact AFNI collection agency and explain them the situation and tell them to remove this from my credit report as the credit law command and also contact att regardless of this situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 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: DE

Complaint narrative:
A two year contract was initiated with XXXX XXXX. After one year the contract was requested to be canceled due to new residency obtained, and the new independent landlord did not allow the XXXX to be placed on the roof of the rental house. XXXX was unable to obtain a signal on the ground of the rental property due to trees around the property. 

Dish was contacted, and after several attempts the Office of the President agreed to remove the early cancelation fee and the additional 12 months of the contract with notification from the landlord that the XXXX equipment could not be placed on the roof. 

On XXXX XXXX, an email from the landlord was provided to XXXX XXXX who was employed within XXXX 's Office of the President. 

Within one week the XXXX box was returned to XXXX via the slip provided from XXXX ( note the name on the slip was addressed to XXXX, not XXXX ). 

Two years later, XXXX XXXX collection letters began from AFNI. Responses to AFNI along with the notification Email provided to XXXX in XXXX XXXX was provided tot he collection agency in XXXX and XXXX. When the third collection notification was received in XXXX, a phone call was placed to be told the debt is valid. 

Subsequent to the phone call to AFNI, a call was placed to XXXX XXXX. After several escalation requests, the Office of the President was reached, where we were informed that the debit is valid and I was notified previously that the landlord had to provide in writing on their company letter head that the XXXX equipment can not be placed on the roof. 

This statement was told to me, two years later for the first time, and is not even a possibility. The landlord is an independent landlord that rents to college students houses she owns independently, not through a leases company. XXXX clearly indicated the early cancellation fee would be removed in XXXX XXXX, and should be held to adhering to their obligation as I held to mine and obtained written notification from the landlord. the {$680.00} comprises of early cancelation fee, interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Jackson Automotive Resources
State: MO

Complaint narrative:
I was erroneously refused an early termination option as stated in my lease for an automobile. The car 's motor blew out after only 4 months of responsible driving/maintenance and was under warranty. However, I was not provided with a loaner vehicle and payment was demanded for an inoperable car that is no longer in my possession. My references have been harassed via telephone by AutoStart, who continues to illegally disclose claims that I should contact their office due to a late payment. The office/lot staff has been uncooperative, standoffish, and it seems I will continue to be subjected to an unfair breach of contract, dishonesty, and unfair auto leasing practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I cancelled an account with XXXX in XXXX of 2013. They did not cancel until I returned any boxes or equipment related to the account. Therefore, I did return it to the local office and they confirmed cancellation. Following that, they charged me {$51.00}, which they took via ACH out of my account. I have followed up on numerous occasions to be refunded. They have sent me a statement every single month for 3 years now, that they owe ME XXXX. NOW, out of the blue, they are charging me for internet service. A service that I do not have nor have I ordered or had in three years. I have absolutely no connection with them other than the fact that they owed ME money. They are taking payments directly out of my checking account for random amounts and on various charges for things I have not purchased or received service for AT ALL. They are literally stealing from me. I want this account disconnected immediately and to be refunded ALL money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit International Corporation
State: NV

Complaint narrative:
I received a notice in the mail regarding a collection effort in a attempt to resolve the matter I called the number on the notice I then provided all necessary information to validate my identity to XXXX XXXX that person then refused to provide me with any information about my case stating that I sounded like a girl and he would not give me any information and to contact him via written mail I then got upset and stated that I confirmed my information and he should not be refusing to provide with what is needed he then said my documents say that your a male and you do n't sound like one so I 'm not going to give you any information and then hung up the phone I then called back and XXXX answered the phone said hold on and hung up the phone again I then researched the contact numbers of that company and got in contact with his manager XXXX XXXX to explain to her that I felt discriminated And they legally had to provide me with the information about my debt she then stated she was going to stand by XXXX and no provide me with my information because I do n't sound like the person I am saying I am even though they have never had any interaction with me before to know what my voice sounds like I then stated that it was illegal for her to make an assumption of my gender based off of the tone of my voice and would be contacting a lawyer if the continued to refuse to provide me my information. I then contacted XXXX w/ the call recorded in one more attempt to resolve the debt and dean still refused and transferred me to his manager again XXXX XXXX with the call being recorded I stated to her that I was giving them one last chance to provide me with the information and that I was recording the call she then again refused to provide the information I then stated that I would be contacting the credit bureau to notify them they are refusing to validate my debt and that they are unwilling to cooperate with a debtor and refusing payments she then stated we were no longer going to have this conversation and hung up the call. This account has been filed with the courts it reflecting negatively on my credit report and all i wanted to make payments and take care of this debt but they are refusing to provide me information to do so based off the tone of my voice why should i be required to pay if they arent willing to give me the information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Commonwealth Financial Systems, Inc.
State: OK

Complaint narrative:
Common wealth financial systems reported on all XXXX of my credit reports on XXXX and changed the status to " collection '' on XXXX/XXXX/XXXX. This debit was discharged XXXX XXXX in chapter XXXX bankruptcy. I contacted Common wealth financial systems at XXXX spoke with the supervisor XXXX XXXX and he stated to me " this is not common wealth 's problem because they have this debit reported as in collections as of XXXX XXXX '' He was informed the debit was discharged in chapter XXXX in XXXX XXXX and he stated " Common wealth does not investigate this and as of XXXX XXXX it is a collection that is due ''. What can i do about this stuff being reported to my credit. I have submitted packages to XXXX, XXXX and XXXX in XXXX XXXX to dispute the XXXX XXXX acct placed on my credit and Common wealth updated the status on XXXX/XXXX/XXXX to " collections '' I have been denied credit since XXXX XXXX and most recent XXXX XXXX reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I took a payday loan for {$200.00} from the XXXX located at XXXX, XXXX, TX XXXX. Im a single mother and I could not pay back the loan. On XX/XX/XXXX I received a phone call from XXXX, who identify himself as the criminal investigator for financial Fraud from Commonwealth financial Systems. I was told that if I dont pay I was going to be prosecuted for Fraud against XXXX, and that " failure to comply '' will result in them showing up at my placed of employment. i got really scared and I set up month ; y payments of {$110.00}. I have made 3 payments but i canoot pay anymore. They call me several times a day, leave threatening voice mails. I have never been in jail and I am scared for me and my babies. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
all medical bills were paid in XXXX by medicaid and medicare company keep changing account number to get it back on credit report and puts the open date to hide that they are reposing back on credit report as XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
Dear sir/madam, few months back I submitted a complain concerning a company know as XXXX XXXX for collecting a false debt from me. 

Until today such false debt continue to appear on my credit report despite my initial complain. ( XXXX and XXXX ) few days back I notice on my credit report that another company known as COMMONWEALTH FINANCIAL put a note on my credit report stating that I was own them, I called the company to find out what transaction I had with them because I knew I was not owing them. But the company COMMONWEALTH FINANCIAL told me that they bought some debt from XXXX XXXX that has my name on it. 

dear sir/madam I am not owing any of these companies or their affiliate and I do n't see the reason why both companies should note on my credit report that I am owning them same debt despite I know I do n't. 

this is I D theft i will be glad if your office look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Fastunsecured.com submitted my information to the Ability Recover Services, which is a collection agency. They have stated that I owe a total of {$15000.00}. I have never received any monetary value what-so-ever. I have submitted disputes to the credit bureaus and results came back as remaining on my credit report. The collection agency said that I owe {$3000.00} per account. Those accounts are as follows : XXXX XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had a conversation with XXXX and they do not have any of my information on file, which only makes me think that these are fraudulent claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: OLIPHANT FINANCIAL, LLC
State: AZ

Complaint narrative:
This company keeps trying to collect on a debt that originated from another creditor that has settled the account and charged off and shows paid on my credit report with all XXXX credit bureaus. This company has nothing to do with the original creditor. They are saying because the original creditor charged off an amount that I still owe that even though it was settled with original creditor They have called multiple times a day. some days early late and in the middle of the day. they have also called just after XXXX on a Saturday morning which I am including with this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
XXXX XXXX agreed that I would not owe anythingXXXX Fraudulently made me redo XXXX test that I completed.I told XXXX XXXX I would sue them if the test where not recovered. The customer service agreed to let me out of my contract without an debt if I did n't take them to court it was a computer error.They sent me to collections after we agreed to end the contact with out a debt.I contacted the collection agency and the lady said they are still going to put this debt on my credit even though it was not valid.This is breaking the law and so is the letter they sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: D2 Management LLC
State: OH

Complaint narrative:
Was called by agent at D2 management, I asked for an address after I was told this was an attempt to collect a debt, was hung up on the first time I asked for an address. The second time I called and asked, was put on hold for 5 minutes while the agent located the address then transferred to a supervisor " XXXX '' who was told I didnt need any information from this company and would not be provided an address. She then told me that she wants me to settle on a debt I am not familiar with. I asked her for documentation on the debt and was advised she could not send me any documentation in regards to this debt. I then advised I can not settle on a debt that I can not verify and disconnected the call.

Company response to consumer: Closed
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: CT

Complaint narrative:
Unknown debt, not licensed to collect debt in my states.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I sent a QWR via certified mail returned receipt requested to my mortgage lender DITECH Financial LLC, requesting information on XXXX XXXX, 2016, and received the green card with signature showing that DITECH received QWR on XXXX XXXX, 2016. The allotted 5 days to to confirm receipt of my QWR expired on XXXX XXXX, 2016. Today s XXXX XXXX, 2016 and I have still not received confirmation of receipt. Any assistance you could render will be greatly appreciated Best Regards, XXXX XXXX XXXX XXXX XXXX Loan # 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 2017-03-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
Common Wealth Financial states that I owe them {$86.00}. This was a result of identity theft. Please contact them and have this item removed from my XXXX and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 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: Ability Recovery Services, LLC
State: CT

Complaint narrative:
I was alerted by my bank last year that this company put a collection on my credit report. I contcted the business they were collecting for, XXXX XXXX, and I was told that XX/XX/XXXX could not do anything to erase this report even though they had the wrong person ( me! ) I finally received a notice about 4 months ago and got a phone number. I called and talked to a " supervisor ''. I explained that they have me confused with my son. After checking social security numbers on the account, they confirmed it was not me. This liar of a lady assured me she was going to contact the credit bureaus and send me a confirmation letter stating that this was not me and it should be erased from my reports. 

I never received a letter, nor was it removed from my credit reports. 

I contacted them this past Monday, XXXX XXXX, 2016. I talked to this oh so pleasant lady. Once we confirmed that my Social Security number was no where in the system and I had nothing to do with the account of my sons, she told me it was not their problem to call the credit bureaus and have it removed. It was my problem. She proceeded to tell me I was a no good parent for not teaching my son to put XXXX at the end of his name and then she hung up on me when I got loud with her. 

This piece of horse dung company thinks they can bully people. 

Not me!!!

Company response to consumer: Closed with explanation