vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
There is a company named Cavalry Portfolio Services that was deleted from my account on XXXX XXXX, XXXX and failed to meet FTC requirements for reporting information and now this trade line has reappeared on my credit report. They have reinserted the inaccurate information on XXXX XXXX, XXXX. 
CAVALRY PORTFOLIO SERVICES XXXX Reported Collector : CAVALRY PORTFOLIO SERVICES Account Number : XXXX Date Opened : XX/XX/XXXX Balance Date : XXXX Balance Amount : {$560.00} Date of Status : XX/XX/XXXX Status : Closed CAVALRY PORTFOLIO SERVICES XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
They send me a email threatened me to send me to jail!! I have the email. I paid this loan off I have bank statements shows that they took there payments out every two weeks for 3 years XX/XX/XXXX to XX/XX/XXXX, I do n't like being threaten to be sue and arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Data IQ has been calling me non-stop, after I 've told them I can not pay them at this time. When I told them I could n't pay today, they said " well, I 'm sorry for what is going to happen to you next ''. They have implied threats to me, and are now calling me at work. I never received any notice that this account was being sent to collections in the first place, and now they are charging me interest!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX from XXXX called saying I was going to be summoned on XXXX counts of fraud with check n go and has called family members who are not associated with payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I received a letter from Mitchell D. Bluhm & Associates, XXXX from XXXX, TX indicating of a debt of {$160.00}. I wrote a letter requesting proof of the debt they claim I owe. I received a response from Mitchell D. Bluhm & Assoc. Attached is a Statement of Account indicating I owe {$160.00} and a print out from XXXX XXXX XXXX XXXX Hospital indicating patient balance is XXXX. If I owe this amount I do n't mind being responsible for it, however, I need more proof than what they have provided. Based on what they provided it indicates I have a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04 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: Eastern Account Systems of Connecticut, Inc.
State: NV

Complaint narrative:
" XXXX '' communications shared my personal information to a collection agency named " Eastern Account Systems '' to collect on a past due debt that was n't even mine. The only thing this other person had in common with me was my last name! This seemed to be a " Phishing '' attempt to pay a " past due '' bill. And that " XXXX '' released my information without my consent or for " Just Cause '' .I believe that both companies involved behaved in an unprofessional manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Good afternoon, I have received notifications ; via phone on XXXX/XXXX/2015 @ XXXX your collection agency left a voicemail violating federal laws ( FDCPA ) I called back to see why are they disclosing information over a voicemail. 

When calling back @ XXXX XXXX I spoke with XXXX in XXXX office, he started to give me my personal information like, address, last XXXX of social ( I did not he did, without even verifying who he was speaking with ) He then stated that I need to be transfer to XXXX XXXX, he then started to informed me that it was for XXXX XXXX and the amount I was due for. 

Again collecting and violating federal laws ( FDCPA ) he failed to mini-miranda me before disclosing the reason of the call. 

I then asked to speak with the supervisor ( XXXX XXXX ) to have my account closed out at a {$0.00} balance due to many federal laws being violated to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I received messages from my former employer that a debt collection company was calling them several times a day for me. I have not worked at that company for over a year and they never called while I was working there. Today, I received a call from them. In the message they disclosed private information about my debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX I got a loan from Allied Cash advance. I had shortly after lost my job and was not able to repay it. They then sent it out to collections. On XX/XX/XXXX I had a company called XXXX call me and try to resolve it. They sent me a validation notice and the whole XXXX yards. I payed the amount they contacted me with and then sent me a document with the amount paid and account number, file number, and saying that it releases me of any obligation of this matter. Well today, XX/XX/XXXX a company called XXXX XXXX called me. I spoke with a lady named XXXX XXXX ( supervisor ) at XXXX. She was really rude and kept insisting I pay and she kept saying she would n't send me a validation notice or anything. I tried telling her that I had already paid it with another company and tried giving her their name, number, and account number but she kept saying that they 're going to contact my HR and have my wages garnished and stuff. She simply said they don'y send out validation notices because " they just do n't have time to '' and that this is just a courtesy call that they do n't usually do this. SPAM!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 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: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I contacted credit agency to verify debt seeking proof of debt from original company to the creditor company. The company refused to fax or email verification of debt and would only mail the verification. I offered to make payment immediately upon receipt of verification. Company threatened that debt would incur interest during their mailing time and further increase my debt. This is essentially a punishment for seeking verification of a debt before paying the creditor. Additionally, I never received notice of the debt from the original company, so verification of the debt was needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
I gave alliance collection a letter on XXXX XXXX, 2015 and gave them 30 days to prove all the debts were valid and mine. They failed to meet this request. Thus I 'm asking that all my negative marks be removed from my credit bureaus immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
I called XXXX XXXX XXXX on XXXX. They show no accounts in collections at Stevens Business Services. However, XXXX is showing XXXX accounts in collections from XXXX XXXX, XX/XX/XXXX still open. 
Accounts do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Municipal Collections Services, Inc.
State: FL

Complaint narrative:
XXXX credit points was brought down because of an account called MCSI Inc. I searched what that was in XXXX and is a debt collector of red lights violation to parking violations. I searched also that I should 've received a letter from them that I owe debt but I did not get any letter. I 'm very confused and frustrated with what 's going on. I have n't been driving for months and I have n't lived in the state of Illinois ( which MCSI is located and has to do with violations in Illinois ) for a year already. I would like to know what 's going on, do some agreements, and get my score back to normal as soon as possible.

Company response to consumer: Closed
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On XXXX/XXXX/2016 Nationstar illegally withdrew from my checking account two mortgage payments illegally from my checking account. I had only authorized for one payment yet they took two payments which made my checking account go into a negative balance. Luckily my bank notified me in the same day which was very frustrating to resolve. In the interim i had contacted Nationstar to advise them of the problem and advising them of their illegal attempt to take more money from my account than authorized. After i had notified Nationstar their response was to freeze my checking account which does not allow me to make a payment for this month and forcing me to go further into default. The fact that i am not able to make my payment on line shows the ill will the lender has against me that is a minority. I am appalled and shocked that an error that was discovered to be " their '' fault has penalized me from making a payment for this month. In this connection, i was also charged a NSF fee and other fees on my loan that i think is unfair. I have also written to this lender asking them to provide me a breakdown of the XXXX 2016 mortgage payment to which they have refused to respond. I am asking that you please look into this incident as i think their treatment is very unfair. In closure, please not that this is also forcing me to pay additional fees as i am not able to use the online service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I co-signed on an auto loan for my ex-husband who stopped making his payments and Regional Acceptance placed me as primary on the loan. I have never seen this car nor is it in my possession. I have told them this hundreds of times and given them my ex 's contact information. However, they continue to harass me by calling my job daily and my cell daily. They are bullies and threaten they will take everything from me. They use scare tactics and treat me horribly. I am a single mom with XXXX XXXX daughters of which I do not receive child support or any assistance. I was unfairly made primary on this loan and have tried to be as cooperative as possible to no avail. The interest on this loan is almost 30 % and the balance never goes down, it continues to increase. Please help!

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 2016-01-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
The property at XXXX XXXX XXXX XXXX. XXXX CA XXXX was given to XXXX and XXXX XXXX via grant deed, quit claim deed, will and trust by the now deceased XXXX XXXX XXXX. Furthermore, XXXX XXXX was appointed Executor of the Estate. ( Please see all attached information ). We have sent all of the above mentioned information to Nationstar NUMEROUS TIMES showing that The XXXX 's are now the property owners and should have full authority and authorization to speak on the account. NATIONSTAR IS REFUSING TO ACKNOWLEDGE THIS INFORMATIN. To make matters worse, Nationstar stopped taking payments once they were made aware that XXXX XXXX has passed which is ILLEGAL. 
Nationstar insisted on several occasions that they never received the documents with all pertinent information and then when they did admit to receiving the information, they stated that the documents are not sufficient. This has been on ongoing for months. Nationstar is refusing to acknowledge this information because they want the home to go to foreclosure sale. This is the XXXX HOME/ RESIDENCE and rightfully so. Prior to the death of XXXX XXXX XXXX, she took all necessary steps to ensure her home was protected and Nationstar has disregarded all her efforts. Nationstar stated, and we quote, " the documents are deemed invalid to name the XXXX 's as agents to releases loan information as the documents do not provide financial authorization and power over the debt. '' The grant deed and quit claim deed are in the XXXX name and have been signed and notarized by XXXX XXXX before her passing. That alone should suffice and grant the BOTH XXXX 's authorization. They are trying to bring the loan current and or receive financial assistance and Nationstar is refusing to allow them to do anything because they want to take the home. They will not provide a payoff or reinstatement. The XXXX 's will assert their legal rights and will be filing a lawsuit and naming Nationstar and XXXX XXXX XXXX as defendants as Nationstar is doing their own interpretation of the law, have neglected this issue, breached their duty, and the XXXX will seek damages. It is very apparent that Nationstar is discriminating against the XXXX 's based on their age, race, ethnicity, national origin, and language. We are demanding that these issues be addressed and expect a response within 72 hours or we will be forced to file a civil suit in district court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
post closing the lender is asking for money to cover an error from the closing company and lender. They made a mistake in calculating the payoff amount for the old mortgage amount, the error was {$7500.00} and the lender is asking us to pay it, a week after closing I was informed of the error. We do not have {$7500.00} om hand, and they lender should have verified the payoff amount of the old mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX my father in law passed away, leaving his home to his daughter, my wife, XXXX XXXX XXXX. we have been working with our attorney, estate attorney, about giving the house back to the lender, Select Portfolio Services, which was serviced by XXXX XXXX XXXX, XXXX, with no results. 

as of XX/XX/XXXX there has been no filing of public record, as far as foreclosure, since the mortgage hasnt been paid since the death of XXXX XXXX, father in law. 

We ( XXXX and myself ) went to the property, yesterday, XX/XX/XXXX to finish clearing out the property and cut the yard and noticed the locks had been changed and a lock box placed on the front door with a notice from XXXX XXXX, stating the lender had requested them to secure the property. 
after obtaining entry to the property, we also noticed personal belongings had been removed from the property and the property had been " trashed '' inside, as if who changed the locks had been looking for valuables. 
we contacted the XXXX XXXX police, in which they filed a criminal complaint for Breaking and entering. when XXXX XXXX was notified, all they would say is the lender ( Select Portfolio Services ) had given them authorization to enter the property and secure the property. 

this is a violation of our rights, seeing the lender has not filed any type of foreclosure paperwork. 

we are requesting the CFPB get involved so this will not occur again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
My mortgage company is Nation Star Mortgage i tried to refinance my mortgage to find out when a credit check was performed Nation Star has on my credit report that i have a home equity loan on my first mortgage i do not i took out a home equity loan for XXXX dollars XXXX XXXX company it was paid off i explain the to Nation Star. XXXX transferred my loan to XXXX almost two years ago i do not know if they have me mixed up with someone else i told Nation star the problem and i have been getting the run around from these people. I can not get any kind of help with my mortgage until they straighten this mess out i have the documentation that my loan was paid off and i ask Nation Star to show me where i signed for an first mortgage they could not i need help with these people they are difficult to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
Nationstar Mortgage bought my loan two years ago. I have always had my home owners and flood insurance paid on my loan. when the renewals were up, they paid my premiums with out any notification to me. Rejected my Flood Insurance from XXXX stating " It did n't meet there level of coverage for the home '' Now my payment went up {$400.00}. When I call them to question them about this I am put on hold at least 35min. Then once I do talk to a rep, they give me the run-around, and misinformation. They accepted then rejected a flood policy sent from Nation-Wide insurance which insured the home for the value of the building. To add insult to injury, I received an initial letter from them stating that any payment that had been sent to XXXX XXXX XXXX ( Previous Mortgage holder ) will be credited to my new account with NationStar. It was not credited and they deny receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Recovery Solutions LLC
State: IL

Complaint narrative:
Representatives have called many times per day to myself and to my family members, anyone with my last name that lives in my area. They have left messages that this is to collect a debt and that they are taking action-XXXX legally and through wage garnishments. I called them back to get their address and XXXX number which they were very hesitant to release. first representative said very rudely " im not talking to you'then put me on hold. They were asked to provide any supporting information but failed and could n't do so then hung up. Very rude to my elderly mother. 
I do n't have a debt that is owed so I am not sure what they are trying to accomplish.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I am paying off my loan by making largish payments frequently to the company who bought my mortgage. XXXX had it before and now Nationstar Mortgage holds it. The problem is that they take payments for the future out of the principal payment every time. I have called them every time and talked to customer service agents, who are uniformly nice on the phone. However, the problem just does n't go away. I know that they are taking out interest fees for each payment that they have not earned yet. They fix it each time, so I know it is n't violating their own policies to pay off a loan early ( my loan does n't and never did have an early payment penalty ). I do n't know why it should be so easy for them to continue to do this to people. I think they should not be allowed to even be in this business. I have a PhD and have taught university courses that involved finance, compound interest, and payment schemes, and I know that this should be illegal, but apparently is n't. Most people do not have the time to call over and over about problems with this company. I would like to see them put out of business and money paid back to people who can not afford the fees and the hidden costs of doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Porfolio Servicing continues to leave notes outside my door. I would like it to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
I requested a payoff quote in preparation of selling my house. The servicer included around 7,000 $ in unpaid interest owed in this quote. The servicer reports that I have not paid interest from XX/XX/XXXX until now XX/XX/XXXX. I have made all my payments on time for years. 
How is it now that I 'm selling my house they are charging me this interest.

Company response to consumer: Closed with explanation