vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-13 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Charged fees or interest I didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
Tower loan keeps harrassing me wanting payment when I have filed bankruptcy. Sent letter and spoke to tower loan to let them know I have filed bankruptcy. This company is harrassing me.

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 2016-08-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: I.Q. DATA INTERNATIONAL, INC.
State: NM

Complaint narrative:
I was never informed of debit til I seen my credit report then tried talking to them and I was told basically to ignore it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
XXXX 2014 I received a quote from an XXXX for some commercial work for XXXX. ( Their business name is " XXXX XXXX '' ) They did not complete any work, but sent me a bill for XXXX. They would never provide any documentation of signed work orders or anything to show they did the work they want money for. ( I had hired another XXXX that gave a better quote ) They sold my " bill '' of {$800.00} to Southwest Recovery Services and I have now received massive amounts of threatening phone calls to XXXX line. I have requested something in writing, they tell me I 'm stupid and do n't need it, I told them not to contact me at that number, they said they do n't have to listen to me and can do what they want, they said they will sue me, and then told my employees on the phone that I 'm a deadbeat that they need to quit because I do n't pay bills and wo n't pay their paychecks and I 'm a wanted criminal for this debt. My employees told her also to stop calling the business line and they hang up on them and call back to try and get someone else to answer. The harassment has been going on for months now and I ca n't take it anymore! Please help!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AZ

Complaint narrative:
Mitchell D. Bluhm & Associates sent me a letter for a debt without statement of debt, letter heading is Law Offices of Mitchell D. Bluhm & Associates. They then called me every day on my cell phone representing themselves as working for a law firm by saying this is the Law Office of Mitchell D. Bluhm and Associates. This company is not a law firm and is only a collection agency. I only found out they were not a law firm when I asked for their State Bar #. I was then transferred XXXX times to have a woman named XXXX get on the phone and say that this is just the name of our company, which is not true. The company 's name is Mitchell D. Bluhm and Associates only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
On XXXX XXXX I made arrangements with loan Tower Loan Of XXXX XXXX to pay {$110.00} which is 30 days past due and current months payment on XXXX XXXX. I was contacted by a family member and friends XXXX minutes prior to my arrival home from work and advised that a female employee from Tower Loan of XXXX XXXX in white car was looking for me and waiting for me at my residence with an envelope. Upon arrival at my home the female had left and I was given an envelope she had left with a friend. This envelope contained a letter dated XXXX XXXX stating I am " delinquent in amount of {$310.00} which includes late charges and other fees ''. And, that " if I have not made satisfactory arrangements by XXXX XXXX, my account may be referred for legal action, including having a lawsuit being filed against " me. The letter further states, " In order to avoid legal action being taken against you, please contact me IMMEDIATELY. " Sincerely, Tower Loan of XXXX XXXX XXXX by : XXXX, Manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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: KY

Complaint narrative:
Caller called from a local ( XXXX ) number. I called back, thinking it was a parent of XXXX or one of my son 's teachers. Caller attempted to get my address, would not say who they are, hung up. Called again, individual who answered disclosed company name and address. Company is located in Illinois. She asked me to verify an address, and I complied, telling her my current address. She then gave me the Mini Miranda after I disclosed my personal information. Said they are calling on behalf of XXXX ( company that bought the debt ). They refused to give me contact information for this company, even when I talked to a manager. The manager stated that I could " look the company up on the internet. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TOLL BROTHERS INC
State: VA

Complaint narrative:
I bought a house from Toll Brothers in XXXX VA. Toll brothers always recommended us to use their TBI mortgage. I signed up for a rate lock ( at 4 % ) with a promise that TBI Mortgage will renegotiate a lower rate if the rates dropped or if I could find a lower rate else where. The rates dropped really low once and I called them and asked if my rates changed. The agent agreed that my rate has dropped to 3.875 % and he is put in a renegotiation and get back to me in 2 days. He called me back after two days and said that my renegotiation has been declined because I am too far away from closing. at this point I lost trust in the lender and started shopping outside and got an offer for 3.5 % interest rate. I took it to TBI and asked him to match and waited for a week. My agent clearly told me that he will not match it and I should go with the other lender. Now Toll brothers has charged me a 1 % fee since I went with the other lender and not TBI. I never got what I was promised from TBI, then why should anyone charge me that fee?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR ONLINES COLLECTIONS, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR ONLINE COLLECTIONS, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR ONLINE COLLECTIONS INC to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Continuous calls to cell after being advised and requested on multiple occasions to cease and desist. Requested proof of debt as stated by the FDCPA yet debt company refused. Representative " XXXX XXXX '' threatened a law suit if action not taking. Calls to cell 3-5 times daily for the past 8 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Castle and Cookie Mortgage LLC
State: NM

Complaint narrative:
On XX/XX/XXXX I purchased my home through Castle and Cook Mortgage company that deals with Loancare online. I started a hazard insurance policy and flood insurance policy on XX/XX/XXXX. After the XXXX year was up FEMA sent me a statement saying my current policy was not going to be honored. I started making arrangments to create a new policy. As I was making arrangements the check from escrow went out to XXXX XXXX for renewal of XXXX dollars that got changed and then only gave me 11,000 dollars of coverage. I created a new policy with XXXX insurance that could not be finalized till funds were recieved. When i contacted the mortgage company loancare to get a check sent from my escrow account they said they could not send funds because XXXX checks were already sent out. The XXXX check at XXXX and the XXXX of XXXX straight to FEMA, neither that i authorized because I was in process to get a new policy. I was then told i could not cancel the XXXX policy until a dec page was recieved for the policy i created with XXXX. Farmers was unable to get me a dec page until payment was funded, which was not available from my escrow due to XXXX checks being sent out without my authorization. I was able to cancel the homowners policy with XXXX XXXX right away so in this time period I had recieved a refund from them for the homeowners policy which i took and paid the policy through XXXX. At that time I finally got a copy of the dec page and sent this to XXXX XXXX to cancel the XXXX renewal policy which they told me I was unable to cancel because it was past the deadline. So at this point refunded to my escrow account should have been the funds for the homeowners policy and flood policy through XXXX XXXX which never went back due to fault of the loan company. The policy with XXXX XXXX had to stay in place for a year before cancelation since I was passed the cancelation period. So for the next year XX/XX/XXXX I had XXXX policies in place for my flood insurance. I believe this is the main reason why my escrow account is shorted and was at no fault to me. When the policy had to stay in place the XXXX dollars was not refunded to my escrow. So in the end there was the XXXX dollars for the flood policy and the XXXX for the homeowners policy that i paid to XXXX for the new policy, neither were credited to my escrow. I am claiming that the loan company has poor communication and did not notify me of the XXXX check sent and the escrow account being shorted as of XX/XX/XXXX. I was never told that the escrow was shorted and they have been advancing my escfrow account XXXX every month since XXXX to cover their mistake and pin this on me. The XXXX check for XXXX was finally refunded and applied to my escrow on XX/XX/XXXX which brought down the advancement to my escrow to XXXX for the last two months.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
In response to a debt collection letter, I sent Cavalry Portfolio Services a certified letter dated XXXX XXXX, XXXX requesting Verification of Debt demanding the production of certain documents. Cavalry responded with a letter dates XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX I sent them a second letter advising Cavalry of the insufficiency of their response and again demanding the production of certain documents to verify the debt per the Federal Debt Collection Practices Act. They refused to produce said documents, and in violation of the law continue to report the unverified debt on my credit file. A third letter was sent to XXXX on XXXX XXXX, XXXX demanding the removal of the offending entry on my credit report. There has been no response whatsoever from XXXX to my third letter, which advised them that I would take legal action and report their illegal activities to the proper governmental governing bodies. 
It has come to my attention that the Arizona Department XXXX XXXX XXXX fined Cavalry Portfolio Services the sum of {$170000.00} on XXXX XXXX, XXXX after reviewing more than XXXX consumer complaints for engaging in the same illegal collection activities cited here. Please stop them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower Loan office in XXXX and XXXX Mississippi have completed illegal hard inquiries that has greatly affected my credit score. They did not have permission to complete the hard inquiries on my account, nor have I been into their office to apply for a loan since 2013. These illegal practices are an attempt to sabotage my credit history.

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 2015-09-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I was asked to drop off a post dated check for my loan payment which I was n't going to have until Friday the XXXX and I was told they were n't going to cash it until they have contacted me on XX/XX/XXXX to see if the money was in my bank account before they cashed my check so I checked my bank account on XX/XX/XXXX and they have already cashed my check and withdrew my bank account!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 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: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I want to hereby denounce Eastern Account System Inc. for continuing to violate the FDCPA and Experian for continuing to violate the FCRA. 

Eastern Account System Inc. 

On XXXX XXXX, 2015 I wrote to Eastern Account System to dispute the account being reported by them on my XXXX credit report, and I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. ( Letter enclosed ) Eastern Account System responded by sending a copy of a computer statement printout. ( Answer and computer printout enclosed ) A computer statement is not a Validation of Debt, and once again I demanded that the collection agency obtain verification of the debt. 

Eastern Account System responded with the exact same computer statement printout. ( Answer and computer printout enclosed ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: WA

Complaint narrative:
LenderLive services my mortgage and has never sent payment coupons, loan servicing paper, or annual XXXX unless I call in an demand that they be sent. Every time I call they say " we mailed it ( them ) ; they must have been lost ''. I called on XXXX XXXX for a copy of the federal form XXXX which up to that date they had not sent out. I thought it was a federal requirement that the XXXX was sent no later than XXXX XXXX, 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL

Complaint narrative:
IQ Data International keeps calling me about a debt that my ex, XXXX XXXX, owes on an apartment that was in his name on the lease. They also say that XXXX paid {$600.00} to have this removed from his name, but then when I call back to confirm, they say that they have never talked to XXXX. XXXX also says they have never contacted him. I advised them they need to contact XXXX about this, but it is now showing on my credit report. Also, the XXXX time they contacted me, they never indicated they were a creditor ( I have had experience with other debt collectors and they always do this ). I also advised that I am going to dispute this and they claimed that I was trying to " evade my debt ''. I have asked for written proof of the amount owed and why the amount has changed each time I talk to them, but they are unable to provide anything in writing. This all sounds very fishy to me and if I am really liable for this debt, I would like to see the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Security Credit Services, LLC
State: UT

Complaint narrative:
Security Credit Services , LLC has failed to prove correct date of XXXX Delinquency for an amount owed to the original creditor, XXXX and has been reporting the collection account on my XXXX Credit Bureau Report. Pursuant to the FCDBA Debt Vericiation must be furnished in order to report adverse account on my Credit Bureau Report and thus XXXX XXXX XXXX has also violated the FCRA. They have reported Experian with incorrect Date Of XXXX Delinquency. To my knowledge the date of XXXX Delinquency is in early XXXX and not XXXX XXXX as reported by Security Credit Services , LLC. 
I am demanding Debt Verification from XXXX XXXX XXXX and they must establish the following:1. Proof that the collection company owns the debt/or has been assigned the debt. 
2. A copy of a statement from the original creditor including the amount of the debt and complete payment history ( Established by XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 3. Copy of the original signed loan agreement or credit card application. 
If Security Credit Services , LLC can not furnish the requested Debt Verification or Correction, they must remove the collection account from my XXXX Credit Bureau Report. If they keep reporting it, they are clearly violating the FCRA guidelines and I have the right to sue Security Credit Services , LLC for {$1000.00} in damages in addition to court costs. 
XXXX Credit Reporting Agency, XXXX Credit Bureau also must provide " Method Of Verification '' of the alleged Security Credit Services , LLC account. 
XXXX and Security Credit Services, are both causing me financial harm by continuing to report the negative account incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
original debt is over 7yrs old & I have asked the company on many occasions to stop calling me & they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am receiving calls at my job from a company named XXXX XXXX. They have been told my HR department that I am not allowed to receive personal calls at work through my work line, but the calls and voice messages continue. They told my HR department that they were calling on behalf of Check n Go

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from Calvary portfolio. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Calvary in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief