vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CNG FINANCIAL CORPORATION
State: SD

Complaint narrative:
I received a phone call form a third party called XXXX, collections company for Check-N-Go, without reading the federal disclosure the collector advised that an unpaid debt was transferred to their company to be handled within 24 hours. Once I advised the disclosure was not recited and he was aware that I had extensive knowledge regarding FDCPA and collection activities, he was unwilling to listen and stated if I did not give him my debit card number within 24 hours that I was unwilling to pay this debt. I had advised the representative that was not at all what I was doing and in fact I want to pay the debt, however I will not give my debit card without more information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 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: I.Q. DATA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
Both my parents and my uncle received phone calls from the same debt collection agency stating I owed them money. I do n't know how they even got my family 's contact information. I have never used them as references for anything nor would I give any debt collection agency to speak with my family about a debt. This company harassed an uncle I do n't even speak to and threatened to have me arrested if he did n't pay. This same company continuously called my parent 's stating that they would be sending legal paperwork to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 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: Bleier & Cox APC
State: CA

Complaint narrative:
XXXX XXXX, XXXX and her law firm, Cox and Bleier are attempting to sue for " legal fees '' they claim where accrued while trying to collect on a debt for plaintiff, XXXX XXXX ( XXXX ). Originally, the debt went to collections in XXXX and was bought/transferred by several different agencies and attorneys over the years. Bleier purchased/acquired the debt recently from XXXX XXXX XXXX XXXX, and is now suing for legal fees, they say were ratcheted up while representing XXXX. XXXX did NOT hire XXXX XXXX, according to the conversation I had with an XXXX representation, soem time ago. Neither firm is the original collector. Bleier recently subpoenaed my bank statements on XXXX/XXXX/XXXX in an effort to move forward on the phony suit. Her office is using predatory practices to obtain money from those who fell behind on their bills and found themselves in debt, years ago, when the economy fell. The debt is over 7 years old and the statute of limitations have passed for this debt. They have no right to collect on any fees and did not represent XXXX in any fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
Security credit services is reporting to all XXXX credit bureaus XXXX erroneous accounts that have not been verified

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Calvary Portfolio is continuing to reporting an account which was paid & supposed to be removed..They claim it was settled but when I discussed the paying the account they said it would be deleted. The rep said it was called a paid for delete. I 'd like this item removed per the agreement ... They are not honoring the agreement & it is impacting my ability to get a loan ... I need it removed at once ... Additionally, I was informed they would be sending me a letter but I still have not received anything ... I think this is some form of bait & switch ... The account is damaging my credit. Please remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I requested a bi weekly mortgage payment with quicken loans which began XXXX XXXX 2016 when I went on line to check to see that the payment was applied I noticed that as of XXXX/XXXX/2016 they had put the payment into suspense. When I inquired about it they told me that the payment would be applied on XXXX XXXX, 2016. I believe this is against the law as the payment should be applied effective to the date received. My call was forwarded to a XXXX XXXX at the executive office who initially informed me that this was disclosed to me, I said it was not, she subsequently rescinded that statement. I ask that the CFPB begin a regulatory inquiry into this matter, if people are paying on a bi weekly basis there payments should be applied that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: MO

Complaint narrative:
My mortgage company is LenderLive. On XXXX/XXXX/2015 they withdrew 2 payments from my escrow account for home insurance and Property Taxes. It has been 3 weeks now but neither the county nor the insurance company has received the payments. Also, they withdrew almost {$350.00} more than the actual tax bill. I am trying to get my loan transferred to another lender but I ca n't as they require the payments to be made before they can transfer the loan. Every time I call Lender Live, they tell me that they payments have been made and I have to talk to a new person to explain them all over again. I read the reviews about this company and it seems that other people also have had issues with them paying out the bills from escrow. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
Received a judgment in the mail from Cavalry Investment LLC no knowledge of debt. Judgement was filed in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Outrageous threatening vulgar calls, repeated from Cavalry regarding a debt that was purchased from XXXX. They called me on my cell, and at all hours, some times as late a XXXX. When asked to stop calling me they just continued. During a severe illness I gave them banking information to take payments before I realized what I had done and was able to research this account balance, found I did n't owe it and told them to cease taking money from my checking. But they continued to take my money after I told them to stop, that I did n't owe this debt. I sent notification in writing telling them to stop calling and stop debiting my checking account but they continued. After reconciliation I found they claimed I owed was paid off and I have proof of payment. I ended up having to close my checking account to stop them from fraudulently stealing my money. We are going to court and I hope the Judge at the very least dismisses this case and gives me a refund. They changed their name several times as well from Cavalry Collections to Cavalry SPV LLC to Cavalry SPC I LLC. The methods are less than circumspect they are vulgar, threatening and harassing and need to be investigated and stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 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:
Cavalry has played hide the evidence for far too long. They send only ONE statement ( which is NOT a full accounting from the original creditor ) without proving they own the debt ( except to say they bought XXXX in debts which is not proof they own this debt ). AND they appear to be trying to collect interest without accounting for the interest XXXX a supplying a contract that agrees to interest. I 've told them this and they have ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
I get frequents calls from collection agency asking to paid a bill that I do n't have any idea about it. I do n't have any record or bills about this company. I am not keeping answering calls from this collection agency who tried to scared me and intimidate me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 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: Credit Management Control, Inc.
State: TX

Complaint narrative:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Credit Management Control. Credit Management Control does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they should remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made them aware of this by sending the a Creditors Validation Letter to respond back to me and show proof they are in perfect standing with the State of Texas Debt Collection Law. So, I checked the Secretary of State Texas Debt Collections Division website and found out that Credit Management Control is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another XXXX to remove them from my credit report please. Also, they are reporting that this debt was open in XX/XX/XXXX in which the account was open XX/XX/XXXX they are re-aging this debt which is against the FDCPA 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 2017-01-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Springer Collections Inc.
State: OR

Complaint narrative:
This debt was paid 15 days after the original date of service, we have disputed with the original dental office and with the collection agency, no 14 months after they reported to my credit bureau as a collection with a " dispute " listed so they knew there was a issue before they even tried to report to credit not only was this paid but it was paid twice and some refunded due to there collection activity The original date of service was XXXX original payment received and cleared from XXXX on XXXX overpayment notice received on XXXX from XXXX XXXX XXXX paid bill a third time Final collection notice from XXXX on XXXX ( after payment received ) spriniger collections letter XXXX and XXXX fax confirmation proofing payment and over payment confirmed by springer collections XXXX springer collections reported to my credit as a disputed collection even thought they have confirmed verbally multiple times payment was received by XXXX and confirmed that they had received the fax proof to them, they gave reassurances that they would take care of the issue with the dentist office and it would not affect credit then went and reported it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 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: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
XXXX Services Inc. is reporting a non paid red light ticket on XXXX. This is not consumer debt and should not be reported on my credit bureau. These tickets are not mine. Another individual was driving my car and I was not in the car at the time of the occurrences. I was told I am responsible when someone else is driving my car. 

I have called both the credit bureaus and the collection agencies. They said they can do this. This is not consumer debt these are fines. Traffic Violations are not reported to credit bureaus. Therefore all of these fines which are not mine should not be reporting on my credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27 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: Credit Management Control, Inc.
State: TX

Complaint narrative:
I heard from XXXX at " Credit Management Control '' this morning about a " XXXX XXXX '' account. She stated that there was NOTHING she could do to assist the problem ; she ca n't even provide a contract with my signature on it. 
I proceeded to call " XXXX XXXX '' directly and spoke with a Customer Service Rep. named XXXX. She stated that she also could not help me because there is no signature on a contract. She stated that someone called in and set up service over the phone. I reminded her that she had just informed me that ALL calls are recorded. I demanded a copy of the recorded phone call were someone called in and said they were me. She said she could not provide this. How is it " XXXX '' wants me to prove that I did n't make the call but " XXXX '' WO N'T prove that I did? I am filing a police report for identity theft TODAY, Monday, XXXX XXXX, 2016. XXXX said she would follow up with a call to me on Wednesday, XXXX XXXX, 2016. If I do not hear from her by XXXX, I am turning this whole matter over to an attorney and filing for damages and time lost from work. This has gone on for far too long and it is a complete violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rosen Management Services Inc.
State: MO

Complaint narrative:
I get numerous calls daily from XXXX different numbers that all seem to lead back to the same place, which I believe to be a scam. The XXXX numbers are XXXX, XXXX and XXXX from XXXX women named XXXX XXXX and XXXX XXXX. They do not answer the phone with the name of the company, you have to ask them who they are, they just answer litigation or something of that nature. They give the name of XXXX XXXX XXXX as their company name, but can not find anything regarding that name, except a XXXX XXXX XXXX in XXXX. 
They claim that I owe a debt in the amount of {$680.00} from 2011, a payday loan through XXXX XXXX. I explained to them that I do not owe this debt, I have never taken out a payday loan, and why did it take them 5 years to finally collect on this debt. XXXX told me that since all things point back to my information that I am solely responsible for the debt and can not fight it, or it will be sent to court for collection. I did ask for a debt validation notice or something with my signature showing I signed for the debt. She claimed that she does not have that information and can not get it, that I would have already gotten it from the original debtor. I have asked them not to call me again, as I believe they are a scam! All I have are phone numbers, no address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: CT

Complaint narrative:
I know i paid on the card when i had it and i believe the amount owed is wrong.

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 2015-05-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
We received on XXXX XXXX foreclosure sale of home, this is the XXXX that we had hears about the sale. We did not received a Registered letter indicating the sale of the home, I was told that the Certified letter was returned to processor because of undesirable address,. We receive our mail at a PO Box because we have had problems with kids taking mail out of our mail box. All the processor had to do was look at the address that we have received mail at for over a year by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I have enclosed documentation but briefly Nationstar Mortgage was servicing a non secured loan that was discharged in Bankruptcy Court in 2013. Approximately a year and a half later I began receiving " Informational '' statements from them that look exactly like invoices. I have attempted to have them stopped being sent and have been assured by their staff it would but they continue to send these. I would appreciate any assistance on your part to review and assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Our buyer was countered to XXXX. We requested a copy of the BPO and found that the comps they were using were an average of XXXX miles away up to XXXX miles away. On XX/XX/XXXX we provided market comparables supporting the offer price of $ XXXX. 

We believe this is a manufactured value. On which planet are values from XXXX to XXXX miles away used to originate a loan or make any kind of credit decision? 

We are seeing this on most SPS files right now. They are directing their valuations team to come up with inflated values. Values that are not realistic in any sense of the word. On this particular file, it looks like the BPO agent was instructed to randomly pick properties around the county that would get them a full payoff. 

Attached is SPS 's BPO and the agents response. Note that SPS 's has purposely pulled values from up to XXXX miles away to justify their counter offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
In XXXX, I purchased a property on a " stated income '' basis. I was making approximately {$XXXX} per hour, plus XXXX, at a XXXX. I was given an 80/20 split of the mortgage. the loan that represents 20 % is a 12.5 % interest rate. I do not recall ( and neither does my attorney ) ever discussing an interest rate of 12.5 %. The loan that represents the 80 % was an interest only loan which was modified 5 years ago and that modification will expire next month. During the last 10 years, I have maintained a good standing with both lenders, never missed a payment, never paid them late. I contacted both groups and requested a refinance. I was told that they are unable to do so because I am not eligible for HARP due to the fact that neither loan is XXXX or XXXX. I spoke with every department that they would let me speak with in an attempt to come up with a plan to create a more reasonable loan. They refused. 
This has not been my primary residence since approximately end of XXXX. As a result, I have had a number of different tenants in there from time to time. 
In XXXX when the modification expires, the loan that represents 80 % will nearly double. The rent that is collected barely covers the mortgage payments as they are. I am not financial equipped to make the difference in payments for the remaining years of the loan. 
I do not want to be a statistic and allow this property to go into foreclosure or short-sale. However, the bank has not agreed to work with me in any way with the exception of a modification again, which will only prolong the inevitable. 
I have also contacted other lenders, private investors, Homevestors, etc. with no success. 
I am hoping that CFPB is able to assist in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
I have my home financed with Nationstar Mortgage, I am going thru a divorce my wife was awarded the house in the settlement however I had to maintain payments until the divorce was final. I have maintained my payments thru XXXX XXXX after divorce was final my wife was to take responsibility as of XXXX XXXX I have receipts to prove that I am current thru XXXX XXXX XXXX XXXX. My finance co filed foreclosure on my house stating that I have n't pay'ed payment since XXXX XXXX which is not true. My payments were late due to XXXX from military and going thru a divorce the past year however I still managed to pay my note as of to date have my payment current. I did not pay XXXX payment because my ex-wife was awarded the house in XXXX XXXX she was to pay XXXX payment and get the house refinanced in her name. So basically my complaint is that Nationstar wrongfully started foreclosure proceeding in XXXX XXXX when my payment was current and due for the same month that they put my house into foreclosure. the

Company response to consumer: Closed with explanation