vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bleier & Cox APC
State: CA

Complaint narrative:
I was sued XX/XX/XXXX. However, I was not notified that I was sued until I received a wage garnishment notice in the mail on XX/XX/XXXX. 

The company alleges that had sent an initial demand letter with the notice of right to dispute to XXXX XXXX XXXX XXXX XXXX , CA on XX/XX/XXXX. I did not reside at this address when they had allegedly sent the initial demand and thus never received it. 

The wage garnishment and shock of having been sued has caused stress in my family life and my work life. 

Further information can be found in CFPB cases [ XXXX, XXXX ]

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 2015-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Viking Client Services
State: PA

Complaint narrative:
I do not have a reason for a debt collector to call me. One message has been left and when I XXXX the number is seems from other it is not legitimate. They are just trying to collect personal information. The numbers are XXXX XXXX XXXX and XXXX XXXX XXXX constantly calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I have requested both XXXX XXXX XXXX XXXX and Calvary Portfolio to provide me proof with the VIN # to the vehicle that they are reporting as charged off. They have refused to provide me a the vehicle identification number that is assigned to the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 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: Viking Client Services
State: IL

Complaint narrative:
In XX/XX/XXXX, I had an accident with a car rented from XXXX. My insurance company paid the claim. XXXX, however, contended there was additional damage that I did n't cause ( was n't noted on the accident report and appeared to be damage caused to the bumper from towing ). In a discussion held in XX/XX/XXXX, a XXXX rep agreed I to not charge for the damage I did n't cause. However, they continued to seek damages for loss of use, even though the repairs to the original damage should n't have taken nearly as long as claimed. When my insurance company and I tried to connect with the XXXX collection department on several occasions to try to resolve the issue, we received no response from XXXX. Then in XX/XX/XXXX, I was contacted again by XXXX with a demand for both the damage I did n't cause and the loss of use. 

Finally, I contacted the customer experience team at XXXX with my complaint and received a response that the claim would be dropped ( see attachment " XXXX email string '' ) and that the collection agency would be advised to drop the claim. However, in XX/XX/XXXX, I received a collection notice from Viking Client Services ( see " XXXX '' ) seeking payment. 

I am registering this complaint because the XXXX collection area has been singularly unresponsive to earlier communications, so I am concerned that the matter will continue to go unresolved unless sufficient pressure is brought to bear to get their attention. Ultimately, I just want to make sure that a ) the complaint is dropped and b ) the complaint and attempted collection is in no way reflected on my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 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: NJ

Complaint narrative:
On XXXX/XXXX/2015 I looked on my credit report and discovered there was A collection entry on my report that I was n't aware of nor did I know why it was there. The collection agency Eastern Account System reported to all 3 credit bureau that I have an unpaid bill balance to XXXX XXXX for the amount of {$1100.00}. Now The fair credit act states that I am supposed to be contacted by any one that collects a debt against me. I was not no notices no phone calls not even an email. Secondly, I have been a XXXX customer for 9 years or so and still to this very day. No deliquincies on my account nothing. Now how do I have another account with the same company open. Fraud this does not belong to me this should have never been reported and it should be removed right now!! People work had to mintain their lives every single and I do n't need his hindering me from my dreams. You have scarred my credit. My credit has taken a hit because of this and you need to rectify it right now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I borrowed {$2000.00} from check n go with payments of {$320.00} due every other week for XXXX weeks. After making my XXXX payment, i asked what the payoff amount was, and they told me {$2300.00} which is more than the principle even after i had already paid {$650.00}. Negative amortization is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
I keep receiving phone calls about an installment/payday loan which is from CNG Financial in XXXX. The first person I spoke with would not release the law firms office who advised me, which her name was XXXX XXXX that I need a defense attorney because they are filing criminal charges against me. I received another call today XXXX/XXXX/XXXX and spoke with an XXXX who stated they would be suing me for not paying my payday loan that I took out online. I tried explaining I was going through bankruptcy and my filing is going to be ready for the last week of XXXX XXXX as I have retained a bankruptcy attorney. They refused to take the information and advised they will consider criminal actions for not paying this loan back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I had a vehicle repossessed that was originally financed with XXXX XXXX XXXX XXXX. The vehicle deficiency debt was purchased by Cavalry Portfolio Services. This past Wednesday I had a consultation with a consumer protection attorney and provided all information and paperwork regarding the repossession and was informed that XXXX XXXX XXXX XXXX did not follow Texas state statutes regarding my due process. At the time of the repossession my residence was in Texas but I was XXXX. Therefore the debt should not be on my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I moved out of my apartment and did a walk-through at the ending of XXXX XXXX, 2016. I never received a breakdown of the ending charges for the walkthrough however I was told it would be mailed to me. On XXXX XXXX I received a call from a collection agency called IQ International in regards to my previous Apartments. They told me that I owe {$470.00} was so I told them this was a mistake and I needed to call my previous Apartments. I called the apartment and they told me they made mistake on the bill and that they sent me a statement 2 weeks after I moved out ( XXXX XXXX ). XXXX XXXX XXXX managed by XXXX XXXX XXXX told me to wait a couple days before I call the agency which is not a collection agency. But the collection agency IQ International called me back ( the same day ) and told me if I do n't pay them in 10 days that I will pay 12 % of the balance each day and it will go on my credit report. So my lawyer sent a dispute of payment on XXXX/XXXX/16 & still have n't received a response. It just seems unethical that they did n't even give me 30 days to pay nor for the letter to even reach me. The collection agency responded to the Attorney General that they settled on XXXX/XXXX/16 ; however, my Attorney never received a response from them. And they reported it to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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: TX

Complaint narrative:
They contacted my Grandmother and my Mother and stated that I had a Warrant out for my arrest for a felony bounced check. They verified doing this with my Grandmother upon me calling them, the representatives identified themselves as XXXX and Investigator XXXX with the XXXX XXXX XXXX for the State of Texas. The told me that they will be contacting XXXX XXXX and my XXXX XXXX over a debt held with Check and Go somewhere around 3 years ago in 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
Check n ' Go online continued to debit my account XXXX pay periods in a row after my loan was paid off totaling {$630.00}. I have been contacting customer service for the past month ( XXXX times in total ) inquiring about my money. The representatives continually tell me that the check was mailed out to me on the XXXX of XXXX and it should take XXXX business days. As it currently stands XXXX XXXX XXXX 2015 XXXX, it has been a month since this apparent check has been sent out. I have confirmed my address multiple times with the representatives and the only answer I receive is " I do n't know where the check is. '' Additionally, they claim to have put in expedited requested to the accounts payable department, but do n't get a response. If I take a loan out I can get my money in XXXX hours, but when it comes to money that is owed to me it takes over a month. This is very poor business practice. I have requested multiple times to have someone contact me and please provide an explanation as to the status of my refund, but still nothing. Since they XXXX took additional funds out of my account it has been nearly XXXX months and they have yet to refund a XXXX dollar or make any effort to even though they admit to owing me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
1. I was 'served ' a Summons and Complaint with the statement " You are being sued. " ; however, there is not lawsuit filed against me. The person delivering the document said, " You are being served. " ; however, in reality I was not being served actual legal documents. I was handed a document that looks like a court document. Their document should have stated they were intending on suing me, especially if I do n't answer their 'summons and complaint. ' Instead they made it look like a court document to use it as a means to intimidate and scare me. There is no court file no listed on the forms nor is it listed as an active case against me on the website for MN Trial Court Public Access XXXX ( Fair debt collection practices act, 807, 2A, and 812 ). 

2. When I was 'served ', the documents with my personal information were not enclosed in an envelope and this a violation of my privacy rights according to FDCPA. 

3. The company that is threatening me is located in Wisconsin and I am requesting from the company that they are in fact licensed to collect debt in Minnesota.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
for weeks, people claiming to work for XXXX XXXX have been calling me, my wife, my family, and my place of employment threatening to serve me papers at work and at home. I have repeatedly asked them to stop calling everyone and they are very unprofessional and rude. They have made my wife cry several times due to the harassment. They call from many different numbers and are not friendly. they also threaten to garnish my wages, sue me, and threaten that jail time will be considered. I have asked them to send me a post-dated bill to let me know that they are a real company collecting a real debt. they refuse.

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: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: AR

Complaint narrative:
my name at the time of this occurance was XXXX XXXX XXXX and on XXXX XXXX 2012 I typed up and hand delivered a notice to vacate my apartment before the lease term was up and listed the reasons why in this letter, and gave it to the Manager of the XXXX, chapel XXXX failed to provide a safe environment for my children and I so I gave them 30 days written notice and moved my children and myself outta that apartment complex, people in the stairwells doing and selling drugs offering them to my children when they come home, gunshots all the time I recall calling the police several times, unruly children and the list goes on and on ... the manager ignored all reports by doing nothing to prevent these things from happening. She did n't even live on the premises ... XXXX did not abide by the lease terms of providing a safe environment for tenants and they should not be coming after me for the remaining lease and ruining my credit, I had no choice but to move for the safety of my family!

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 2016-09-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
I recently tried to sell the home I own at XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, and during the sale, I was informed that Cavalry SPV1, LLC had a lien secured against the property for a credit card my ex-wife failed to pay. As a result, I have reach out to Cavalry SPV 1, LLC over 5 times in an attempt to obtain the payoff of this lien that is need to ensure the transfer of this property occurs and the lien is paid off, however, Cavalry SPV1 LLC refuses to provide the payoff need and continues to accural interest because they will not provide me with the information need to payoff and get the lien removed from my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I went to the us bank at XXXX to make my mortgage payment on XXXX. The bank hours showed they opened at XXXX. I was there at XXXX and the branch was closed. This branch is lacated in a XXXX and the store employees said this is common. I called the us bank mortgage phone number to complain and spoke to a really good rep that did everything she said that she could do but to register a formal complaint she said she needed to transfer me to the bank side. After being transferred the new service rep was basically useless and said I should call the branch to complain. The same branch where people did n't show up. I asked if they had a district manager to complain to and she said they did but she did not have the number and I should call the branch and ask them for it. This is terrible service and now I will have a late fee because the branch was n't open when they said they would be

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 2016-05-27 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: Stevens Business Service, Inc.
State: NY

Complaint narrative:
i receive letter from national grid i need to pay XXXX for non-utility service, i am disagree for this charge and national grid give this bill i not owe to collection agency " Stevens business service ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I received a letter from the law firm XXXX XXXX dated XXXX XXXX, 2015 that have been retained by Cavalry SPV I , LLC to collect on an amount due from Original Creditor, XXXX XXXX XXXX. 
I have never received any communication from Cavalry prior to receiving the letter from XXXX. From what I have come to learn this is a violation of the Fair Debt Collection Practices Act. 

I believe XXXX XXXX has also violated the FDCPA as I responded to their initial letter within the 30 days and instead of responding to my letter, they filed a lawsuit, responding to my letter two days after receiving the lawsuit. 

I am in the process of responding to a Motion For Summary Judgment as the law firm has not responded to my requests for discovery such as copies or proof of any communication attempts by Cavalry to contact me. 

I have requested proof from XXXX XXXX proving they have been retained by Cavalry to collect the debt other than the law firm stating so on their letterhead. 

I will attach correspondence at this time and will assist you in all ways possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I filed an original complaint on XX/XX/XXXX which was responded to on XX/XX/XXXX by US Bank. In their response they reference bankruptcy discharge from XX/XX/XXXX as being the reason they are now starting foreclosure proceedings. During the bankruptcy, I never filed against US Bank, I continued to make my payments after speaking with a representative, and they state they do n't send me statements. This is not accurate. After speaking with the representative XX/XX/XXXX, I started to receive statements and made my payments in the branch. I am confused on how this is now an issue 3 years later. 
The other issue brought up was the matter of my requesting assistance on XX/XX/XXXX. They state that I spoke with a representative, that is true. They state that they sent out a loss mitigation workout sheet to my email, this is also true. What is not stated is that this was sent to me by the first representative prior to be transferred to another gentleman representative who informed me that I was not eligible for the loss mitigation process. No suitable reasoning was given. 

The last issue states I was assigned a Relationship Manager by the name of XXXX XXXX. I have contacted her several times and so has my personal financial advisor. She does NOT return phone calls or emails. She finally returned a phone call to me this Friday XX/XX/XXXX at, while I was driving. I pulled over, listened to the message and called her back within 10 min. I asked her to call XXXX XXXX, my financial advisor and as of today, she still has n't called. 
I do n't see how she can be a point of contact. To not return calls or emails in a situation like this is just appalling and inexcusable. 
At this point, I am afraid, confused and in need of your assistance since US Bank is inconsistent with their responses and conflicting information. 
I have always fulfilled my obligation and feel since I asked for assistance, US Bank has created a reason to attempt to take my home. 

I thank you for your assistance in this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX, I informed US bank to please not call me any longer at work my work phone number. They did stop doing this for about a month and then I called to speak with a rep back on XXXX/XXXX/2015 around XXXX XXXX PST. I was asking him about doing a skip payment for my car loan because I was unable to make a payment. During this conversation, he repeatedly asked for my phone number for work. I told him that I do not wish to give out my phone number to my work, I do not want phone calls at work. I explained to him that I had already told them that no phone calls should ever be made and I do not have to give a work phone number at all. He demanded one from me and I still refused and he informed me that I would not be able to do a skip payment unless I gave him a work phone number ( thus now I am past due because I refuse to give him my work phone number ). The very next day, US bank started calling my work phone number. They stopped for a few days after, but have called me XXXX times a day since Monday XXXX/XXXX/2015. Apparently, telling people not to call you at a phone number, or refusing to give one for work, means you ca n't ask for help and then they pull up your previous numbers and start harassing you there -- even though I specifically said not to call me at work. I also completed a survey after this phone call and asked that someone please follow up with me, no one has ever reached out to me for assistance. 
Secondly, when I asked for help, this young man wanted to delve into details of why I could pay. What was causing the issue, how I was going to fix it and if I could not provide this then I would not be able to skip a payment. This should NOT be a requirement to skip a payment. I 've never done so on my car loan so asking for help once I should be given an okay -- but not asked about details in my personal life. Just telling them I ca n't afford to pay should be enough.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation