vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Turning Point Solutions LLC
State: IL

Complaint narrative:
Turning point solutions called my home my cell AND my adult daughters cell who I have no idea how they got her number. They did not identify who they were representing but did threaten me that they can do whatever it takes to get their money. They also block their calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: AL

Complaint narrative:
My pay has been garnished due to defaulted student loan. Garnishment payments are still ongoing! I 'm still receiving collection/threatening calls at work and to the human resources department ; in addition to my in-laws whom I have never authorized to have this company contact them. This needs to stop immediately and I need help doing so please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Listing account as open, charged off by original debtor XXXX XXXX, last, last payment XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
A lawyer representing the collection company contacted me via USPS in XXXX/XXXX/15. I contacted them via USPS XXXX/XXXX/2015 asking to validate the debt. Their response was intentionally sent to an old address even though they have my correct address on file ; they sent communication to me previously to my correct address. This is a stall tactic which I believe they utilize to prevent payment, arrangements, or settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Sierra Holdings LLC
State: MN

Complaint narrative:
We had our ca payment in the bank that was the amount due on the car. They failed to take out thr money saying it was an error in there system. My brother in law had just recently passed away and we notified them about it and were going to pay them this friday the XXXX of XXXX. They have been calling more than 3 times a day sometimes up to 7 times a day. We had notified them that what they are doing is harrasement and i dont think it will stop. Me and my wife both work but we have been going thru personal issues as well and they dont seem to understand that. I have been recieving phone calls sonce last week they were even calling on the days of the wake, the funeral and the memorial service me and my wife were attending for her brother. I just feel like they are harrassing they are also harrasing my references.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION
State: AZ

Complaint narrative:
keeps calling my job, and leaving messages stating that the law enforcement will be at my job or residence with a letter. Not sure who is doing this. I 've requested documents to be mailed to my house, but that has not been done. Not even sure who the company is, the message does n't leave the name, just a phone number to call back XXXX. I do n't owe any money to pay a payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ Data XXXX - XXXX XXXX received bill for carpet cleaning from apartment. When asked to do a walk through I was refused. And told I would not owe anything if I did they would send a final bill. They never mailed me a bill. She claimed she sent me an email, but could not produce a copy of the email. When I asked the collection agency what the collection was for they could not provide me a bill summary and the collection agency then knocked my credit score from above XXXX to XXXX. I would have paid any bill I owed, but did not deserve to have my credit destroyed. When they contacted me in XXXX I simply asked them for why i was being charged so much they never produced a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
I monitor my credit report on a monthly basis and it appears that a company other that the original creditor is attempting to collect a debt. I was not notified via email, phone, and by mail to inform me of this proposed collection. I have never interacted with this company. A letter of validation was sent to company. I did not open any account with Security Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Legal Recovery Law Offices, Inc
State: CA

Complaint narrative:
After receiving an uncertified letter in the mail from Legal Recovery Law Offices , Inc. stating that they would be suing for an old debt on behalf of XXXX XXXX XXXX ; My employer received documents for a wage garnishment. I then made contact with Legal Recovery Law Offices Inc. to reach an agreement on a payment plan. They accepted and a " good faith '' payment was made that day ( XXXX XXXX, 2015 ) in the amount of {$240.00} via my debt card. Following this payment I was sent documents for the payment plan that was agreed to. It was a three year plan with payments of {$240.00} per month. I was to fill in the date for each automatic payment to be withdrawn from my account. They printed my entire debt card number and cvc number on this document. Once I filled in the dates and signed it, I sent it back to their address at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. A few months later I realized that a payment had not been taken out. At this point my wife called to verify what was going on as our entire bank account information was on this document. They claimed they never received it. Several times after this I tried to fax them the information and not once did the fax go through. Last week I made phone contact with them again to resolve the issue and was informed on recorded phone call that the fax number had been out of order for over a year. This is the number still listed on documents sent by the company. At this time they informed me that since payment had not ben received, they were taking action again via wage garnishment. Over the last week my wife and I have made every effort to find a solution with this company and have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 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: LA

Complaint narrative:
XXXX/XXXX/2016 Original Creditor : XXXX XXXX XXXX ( unit XXXX ). 
Pre Acct : XXXX Amount : {$3400.00} Dear XXXX XXXX I never received a move out report after vacating the apartment on XXXX/XXXX/2016. The total {$3400.00} is totally ludicrous. This amount is being turned over to collection in retaliation of me moving out prior to lease ending due to the way the staff XXXX XXXX and XXXX were or were not handling me and other tenants, and was informed they make the tenants feel, the way they did thing, like they were being embezzled and extorted especially with most of the tenant being immigrants and possibly undocumented by threats it is in the lease that most could n't understand the almost XXXX page document, intimidation and false claims and never returned calls. I asked to many question that they never gave me an answer so I started photo and video documenting issues, damages and possible health hazards in apartment as well as on property. XXXX XXXX were taking advantage of there employer trust for there own personal gain and pasted the personal gain on to the buddies the towing and landscapes service. 

If and eviction was file after XXXX/XXXX/2016, I had moved out and was in a different state working on XXXX/XXXX/2016, it was in total retaliation because I had already move out and they had full control on the unit. I am filing a complaint with the Federal Trade Commission in regard to this collection amount along with photos and video documentations, that is collection be stopped. 

To view photos and video visit link. XXXX. or check out apartments reviews for additional information. 

Sincerely XXXX and XXXX 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 2015-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Legal Recovery Law Offices, Inc
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX a judgment for {$8100.00} was taken against me without my knowledge. The debt buyers had won by default. On XXXX/XXXX/XXXX, my neighbors received a letter addressed with my name and their address, containing a 'subpoena deposition for bank records ' and XXXX for 'production of business records ' addressed to our bankI was never informed because they never delivered a supoena. 

I went to the courthouse and asked to see my file,. When I saw the process servers paper I knew why. This hearing was supposed to be defaulted, and if my neighbors would n't have given me the mail with their address, a year after the hearing, I would n't have gotten thus far. 
I went to file to vacate the order and a to quash the 'subpoena duces tecum ' and was denied. I tried to explain to the judge that I never received a subpoena and the process server lied because the description on his paperwork did not describe me, and in fact it was the opposite description of me. 
I could not vacate the order, they lied about everything, sued me on a time barred debt for {$8100.00}, and proceeded to place it on my credit report, as though I opened the account with them. This is when my neighbors address was put on my credit report as mine, and stipulated it was to stay until XXXX. This year his business address showed on my credit report also. I have had their home address removed this week, now I will work on the business address being removed also. 
While investigating all this I believe that my credit report is how they found out what bank to go to, and making it appear that I owed them a debt and they were the creditors. But by not informing me of the hearing and winning by default, messing with my credit report, I have stressed enough from all this just to have my motions denied. 
I also looked into the hearings they have going on in their home town, XXXX XXXX, there were literally XXXX of people being sued, are any of them receiving their supoenas? or will they win again by default.?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: CA

Complaint narrative:
For two months now I have been dealing with LenderLive lying to me about my taxes on my property and even before that they have lied to me. When I was refinancing they told me they would not add any money onto my refinance and after I had signed the papers they added {$7000.00} to my loan! But back to the taxes. XX/XX/XXXX a represenative and I talked and they told me to avoid my monthly payments going up I would need to pay {$1800.00} into my escrow. So I did, but then my payments still went from XXXX to XXXX a month even after paying them. I call them multiple times and the representative tells me they will survey the account to lower the payments but on a final call turns out the taxes had gone up on the property so it would never really go down. Well I get a letter in the mail today on XXXX XXXX, 2016 saying the estimated taxes instead of being the original XXXX they raised it to it would be lowered to XXXX as of XXXX XXXX, 2016. But once again another good old trick from lenderlive! I look on their website to verify and according to their website as of XXXX XXXX, 2016 my payment will be going up for my taxes to XXXX a month. All of this does n't sound right to me, I feel like I am getting scammed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint because I have contacted Experian and XXXX in writing, detailing fraudulent activity on my credit report. I have ask XXXX to verify this fraudulent mortgage account showing on my credit report. After requesting in writing and also talking to XXXX, I was told they do not have any documents ( Loan origination or Foreclosure filings ) on this account. I have additionally visited/contacted the XXXX XXXX courts system and they have no documentation of this foreclosure or any foreclosure with my name in their system. I have contacted Experian to request an investigation to no avail. 
Chapter XXXX of XXXX XXXX XXXX XXXX states that creditor are required by law to produce documents pertaining to a foreclosed mortgage account within 30 days of receiving a qualified letter in writing. I have requested in writing twice with no response. I request Experian promptly delete all information which can not be verified. Please resolve this manner as soon as possible. Thank You

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 2017-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: NH

Complaint narrative:
Same as XXXX other people I saw under XXXX complaints, My Bank, XXXX Mailed pymt XXXX XXXX. to Statebridge LLC, XXXX # XXXX, StateBridge said they did not receive until XXXX XXXX and charged me {$32.00}. In past 10 years using XXXX XXXX to pay my bills I have never had a problem with bills being paid within the time posted by XXXX XXXX XXXX. My XXXX payment was sent to Statebridge LLC on XXXX XXXX and held by StateBridge till XXXX XXXX thus incurring a {$32.00} late fee ( see attached ). In speaking with StateBridge on XXXX XXXX 2017 the attitude was " PROVE IT '' As explained by XXXX, employee number XXXX he has been waiting for a baseball hat for 3 weeks thru the mail, suggesting I should pay StateBridge {$5.00} fee and pay online to insure my payment is received on time. Supervisor XXXX XXXX broke the Law when he refused to tell me Statebridge LLC License number after I asked. Further XXXX XXXX stated the XXXX XXXX, which is on second page of mortgage statements, was related to real estate misleading myself from fact it is StateBridge LLC license Number to do business servicing loans. Today, XXXX/XXXX/2017 XXXX, " XXXX '' who would not give me an employee ID # or his full name told me there was no license number to give out after I asked him and he had to ask a supervisor if it was ok to give out. So it appears StateBridge LLC will not allow payments to be made " free of charge '' unless the consumer sets up auto pay. I would not set up auto pay with a company I trust let alone a Company like StateBridge LLC whom I do NOT TRUST. Thus again, my story sounds like the XXXX other complaints on XXXX- ' Never been late or had issue with mail being delivered on time-EXCEPT FOR STATEBRIDGE LLC WHO SAYS PROVE IT. ' I will not pay a late fee from a company who, in my opinion, intentionally extorts fees while the consumer is making the mortgage payment to stay in compliance with mortgage agreement. Here are just a few other complaints on XXXX : XXXX XXXX & XXXX & XXXX # XXXX XXXX XXXX, Also I wish to point out The Credit Bureau has a " D '' rating for this company. How is this company allowed to do any business with mortgages after the Dodd-Frank Bill was enacted?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I have not even been able to begin to pay my loans back due to financial hardship & even when I address these issues with the company, they refuse to assist me, continue to tack on more and more interest, and raise my amounts to much higher than I would be able to pay back. I would literally have to spend the rest of my life paying them and then the debt would probably fall on my children. There is no reason why I should have to be punished for wanting a higher education to improve my chances in the workforce to have this company demand exuberant amounts of money that I ca n't even afford. I should n't have to choose between taking care of my home and student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I call then send back requested information but they still refuse to correct and/or remove incorrect info therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have received a decision by Experian that they had verified that the account is mine. 
I find it interesting because I had disputed with XXXX XXXX XXXX on the CFPB interface and they had confessed that they do not have or could not provide the original instrument of indebtedness in its original form or in any form for that matter. 
It further proves that Experian has not done its proper due diligence in verifying the accuracy of the information that they place on the credit report. 

It is sad that there are multiple people in the world who experience id theft and instead of going after the real culprit, they go after the victim and try to force the obligation on the victim.

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 non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
I have previously submitted to CFPB a claim against Bank of Oklahoma and Bank of Albuquerque. I have been trying to get a loan modification on my current residence that is almost {$20000.00} upside down in value. After almost 3 years I am still no further in working with both the bank and the attorney 's involved. I am wishing to stay in my home and also the Bank sent a letter stating our home would be taken over by HUD and to submit a packet to HUD for renting the property if it came down to that. I sent a packet to the address given and the packet was sent pack to me as undeliverable. I am again contacting the CFPB because I am still getting no answers to my questions and no closer to a refinance. The stress of this situation has caused many problems and I would like to just pay our mortgage and move forward. Please help me resolve this issue. 

XXXX XXXX ( XXXX Loan Name )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experianis reporting XXXX item from XXXX XXXX that do not belong to me. I have sent the documented police report to them along with the notarized affidavit of identity theft. as well as sections 605 ( b ), 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which requires them to block these fraudulent items. I have disputed these items many times and sent Experian letters time and time again confirming this. I have even contacted XXXX XXXX to settle this and they told me to contact Experian because they have walked away from this item. Experian have ignored this request and continue to report these fraudulent

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 non-monetary relief