vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
The caller states that they are recording the call and they are calling from the Law Offices of Mitchell Bluhm. They present a birth date and ask me to verify it. During the first call, I stated I did not wish to be recorded and they hung up. During the second call, I told them I do not verify personal information to unknown callers and asked why I was being called. At that point, they terminated the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15 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 approved for a loan that took the place of an existing loan and so it was cancelled out with a new balance to pay monthly. The interest however has increased and when it was time to see if I can lower the payments they said that I could not because I have n't met the criteria on my loan as in terms of when I will be eligible to get a reduced monthly balance to pay per month. They are also harassing me by calling me from work and or at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Assent Inc.
State: CA

Complaint narrative:
Assent Inc ran my credit report without my permission. I have never heard of Assent Inc. before nor have I ever done business with them. They are flagrantly violating the Fair Debt Collections Practices Act with their illegal and deceptive debt collection tactics. I do n't want any communication written, telephone, or any other method from Assent Inc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 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:
I moved out of an apartment XX/XX/XXXX. The apartment complex I moved out of ( and gave my forwarding address to ) never notified me of an outstanding balance nor did they refund me my deposit. The first notification I received of a debt was XXXX XXXX, XXXX from I Q Data International. I called them in regards to my balance and notified them that I had not received any prior notices from them or my apartment complex. They kept arguing with me, telling me that I needed to contact my mail carrier because they had copies of letters they had sent out back XX/XX/XXXX and XX/XX/XXXX. I asked for an itemized list and they would not send one out to me. I did not receive any notice of a balance nor of my right to dispute the balance. If I had, I would have done so! They balance is over {$1800.00} at this point and I have no idea why! They also failed to include the other tenant in their collections, which they are legally obligated to do! I talked my way through XXXX supervisors to finally speak to a man named XXXX XXXX. He was the rudest person I have ever talked to. He kept saying, " I 'm not going to do anything sir. Are you going to pay your bill or not? '' I simply wanted an explanation as to why I was the only one included on the debt and why my first notification of an outstanding balance came 9 months after I moved out and the account had accrued a ton of interest? After doing some research online, I found that this company is notorious for violating the Fair Debt Collection Act. The Attorney General has shut them down before when they were known as XXXX, XXXX and XXXX. It seems they are still violating my rights under a new name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have been trying to secure a loan modification with Nationstar Mortgage for several years now. I was the trustee to my mothers estate when we began working with Nationstar after my mother 's passing Nationstar has refused to speak with me as they do not acknowledge that I am the sole person in charge of her Estate I have forwarded all documents to prove who I am, this has caused major problems and I am now in danger of foreclosure. I am including a letter I sent to Nationstar. XXXX XXXX, 2016 To : Nationstar Mortgage LLC XXXX XXXX Director, CEO XXXX XXXX XXXX President, CEO XXXX XXXX XXXX , CRS XXXX XXXX XXXX , SPOC XXXX XXXX , SPOC XXXX XXXX XXXX XXXX XXXX XXXX , Supervisor Loan Modification Department XXXX . XXXX XXXX, XXXX, Tx. XXXX Re : Loan # XXXX -XXXX XXXX XXXX - Your reply to my XXXX Complaint and your abusive non performance. 
" In the Estate of XXXX '' XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : We received a reply to the XXXX appeal that we filed from XXXX XXXX XXXX at Nationstar Mortgage XXXX XXXX, XXXX, TX - phone number XXXX dated XXXX XXXX, 2016. 
XXXX XXXX stated that we could contact him with questions regarding proceeding with our loan modification request and suspension of the scheduled illegal foreclosure of my home. The decline letter dated XXXX XXXX, 2016 has a number of decline reasons that are incorrect. It seems that our file information may have been mixed up with another file at Nationstar. We HAVE BEEN SAYING THIS FOR GOING ON THREE MONTHS NOW AND NO ONE WILL TALK TO US. 
I called XXXX XXXX today and got the message that HE IS NO LONGER WITH NATIONSTAR AND TO CALL XXXX. I called that number and it answered " XXXX HOSPITAL ''! 
I am not being treated with " good faith '', " professionalism '' at this time and I protest! 
Please IMMEDIATELY STOP BLOCKING my communication with your staff so that I may have a problem solving conversation to approve my loan modification with a Vice President who understands your policy and will not be fired. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Been contacting this company for about three months no response back from this company and requesting that this debt be removed from my credit file this is not mine debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Society Business Services, Inc.
State: TX

Complaint narrative:
Received bill for around {$180.00} and XXXX charges for a total of {$45.00}. Paid {$180.00} my XXXX deductible by check.. I would have paid {$45.00} but I have medicare and a rap around insurance and should not have to pay because my coverage. ( I really do not believe they applied to my insurance ). Also the XXXX entries {$45.00} were ( patient not known ) beside each. When I was speaking to rep from billing dept. she told me not to pay that, because I asked her about it. The calls every week ( I even called and them and said I would be glad to pay but thats why I have extra insurance for ) and I over and over explained to each person that I had insurance and they reluctantly took the info down ) .Each time the rep acted as if it was the first time they heard about it. I have had this problem with medical service. I give my medicare info and rap around insurance, then low and behold they do not file with my insurance. I guess too much trouble. Now the BURAEU OF MEDICAL ECONOMICS IS A CALLING. I must say I pay all my bills, and never refuse what I owe. Repeatedly I have talked to persistent reps and they say ok and -keep calling. By the way the next billings were changed to {$45.00} XXXX with no patient not known entry ), Funny thing a day ago I got another bill from the hospital for the original {$45.00} and an additional charge for {$12.00} for a visit to the facility. Now if I know they did not bill my insurance. HELP!!! I must tell you, I love my doctors and my hospital and I would never try and escape from paying I never will and I never have. *note : I checked the debt is not mine but is is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
These people are calling each and every one of my telephone lines constantly, several times a day, every day. I need this to stop. They are sharing my information with others and have contacted me on numerous occasions at my place of employment. They are harassing me and my children and making threats, going to my home and banging on the door at all hours. They 've made numerous withdrawals from my account and are saying that I still owe money. I need them to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was harrased at my place of employment by this company and after asking them to remove the number they continued to contact me. They spoke to my co-workers about my information without any consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This debt no longer exists the original owner XXXX, has taken it off my credit report. Cavalry simply bought the debt and is trying to get some money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I use to live in XXXX XXXX XXXXafter leaving I had n't final walk through with the apartment manager at the time, who advised that my deposit in file will be used for cleaning the oven fee.. No other bill/invoice was sent to me.. Even after providing my fowarding address to the propert manager. I then revived harassing calls from an collection agency after a year.. When I inquired on why I never revived either a bill/invoice. I also at the time inquired with the women what happen to my deposit that was on file. She advised that has nothing to do with her. The company refuse to provide my original lease information from 2006 when I moved into the property with my deposite.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
I received a collection notice in the mail on XXXX/XXXX/16. The bill was on behalf of XXXX XXXX. I moved out on XXXX XXXX 2016. We asked XXXX XXXX to do a walk through but they refused. I received no other contact from XXXX XXXX. When I received the collection notice I called XXXX XXXX at XXXX on XXXX XXXX. I was informed by the representative that after 45 days my debt is sent to collections. I informed the representative that the letter was received XXXX XXXX. It had not yet be 45 days. Then her story changed to after 30 days that I would receive a collections notice. I then informed the representative that it had not yet been 30 days. She then offered to send the bill again, refusing to acknowledge the endangerment f my credit and XXXX XXXX 's unprofessional practices. I advised her that I would pay this bill, even though I do n't know what I am paying for and filing a complaint with the XXXX. The collection notice was not from XXXX XXXX and was addressed to myself and my XXXX year old child, not the other adult on the lease. 
I had to call the collection agency 5 times before someone picked up. I also left a message. The collection agency then told me the name of my XXXX children that they had listed to collect the debt from. Myself and my children 's credit can be affected and I never even received a bill as to what I 'm paying for. I spoke to XXXX XXXX extension XXXX. He informed me that he received the debt information from XXXX XXXX and I Q Data input the erroneous information into their database.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 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: United Collection Bureau, Inc.
State: IL

Complaint narrative:
FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ORG GC GP BUYER, LLC
State: CT

Complaint narrative:
I am currently disputing multiple errors on my credit report, and have been threatened in the past for bank accounts I do not have. I have been called from XXXX to XXXX daily for months by a man giving his name only. He will not tell me what the debt is regarding, and has refused to tell me anything until I give my full address and verify my full name. I have no idea who this man is, and he calls from various numbers. I told him that until he sent verification or disclosed anything about why he was calling, I could not verify my name. The most upsetting part is that I had a major accident XX/XX/2016, and have XXXX. Basically, I have had XXXX, and this one was so bad that I had to wait months before I could form sentences, and my XXXX is still recovering. This man called during this time, in XXXX 2016, when my memory was spotty. I do n't remember speaking to him except to tell him that I had a concussion and was not ableXXXX to speak well or remember, but when I checked my credit report ( XXXX ), an unknown account was charged off because of whatever I said when I was recovering from a XXXX. The date is the same, and it 's quite a coincidence. I 'm disputing the account, so should he be calling me? 
It took a lot of time, XXXX, but I believe this man, XXXX something, who last called from XXXX on XXXX/XXXX/2016, ( it 's now disconnected ), has been harassing me for some debt I can not trace, even on my credit report. I have student loans, but in deferment because I 'm XXXX, and no other debt collection calls. This is crazy! What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Affiliated Creditors, Inc.
State: TN

Complaint narrative:
I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I have so far received 3 phone calls at my work from " GC Services '' while the numbers have been different each time the latest number they called me on was " XXXX ''. Every number has been a XXXX XXXX area code. Every call has been asking to verify my name. I do NOT owe any money or have had any traffic violations. I have confirmed with the XXXX DMV that this is true as well as have received 0 letters in the mail regarding any past due payments so I know that I am okay. Please find a log of the inappropriate phone calls below : 1. A week ago, time not known, first call, Ladys Voice I answered my work phone, was asked if this was NAME, said yes, who is this. They said they were calling for " personal business matters and if i verified my social I could receive more info ''. I asked how they got this number and they said " from my HR rep '', I asked what was that name and they gave me a incorrect name. I told them that was not correct and asked again what this was regarding. They told me " Something to do with withheld admin wages and i need to verify who i am before they say more ''. I told them I would not verify anything and asked again how they got this number. They told me " my social was active in the area and if I gave them more info they could help ''. I told them no, they asked if my bday was XXXX XXXX, XXXX ( WAY WRONG ). I said do n't call here again and hung up. 

2. XXXX/XXXX/XXXX, XXXX XXXX, Second Call, Mens Voice I answered the phone and was immediately asked if " NAME '' was employed there. I said I was not allowed to disclose that information. I was asked again if NAME works there because they needed to reach them regarding a " personal payment matter ''. I said take this number off your call list and do n't call again. 

3. XXXX, XXXX XXXX, Third Call, Mans Voice I answered the phone and was again asked if NAME worked there. I asked the man what this was regarding and where he was calling from. He told me he needed information before he could disclose that and that is was regarding Credit Card payments. I said this is the wrong number and hung up but noted down the number and called back on a different phone number and found it was a company called " G.C. Services ''. 

I have now been called 3 times at my place of work. Every time has been for a " different reason '' but all with the same goal of getting information from me. This is embarrassing to have happen in front of my coworkers and boss when I have done nothing wrong. Please stop this harassment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: CO

Complaint narrative:
They never leave a voicemail. I 've filed for bankruptcy and therefore any and all collections MUST STOP. I have n't had a collection call since XXXX and these people just started 4 days ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: WI

Complaint narrative:
I received a letter from GC Services Limited Partnership stating that they had been retained by the Dept. of Education to collect on a defaulted student loan. As I have not been in school since XXXX and never taken out a student load, you can imagine my surprise in receiving such a letter. I have been in contact with the Dept. of Education and their Ombudsman and they both indicate that I have never taken out a student loan. I have been in contact with the Company and have reason to believe that they maybe fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
On XXXX/XXXX/16, I stopped at the BB & T Bank at XXXX, I went to the ATM, inserted my card, entered my PIN, chose cash deposit, inserted {$360.00} in cash and the machine took it and froze up displaying " transaction processing '' for the next five minutes. The machine would not give me a receipt, it would not let me cancel the transaction and took my cash. I called the XXXX XXXX number posted on the ATM and they told me to go into the branch and report that the ATM was broken. I reported what happened to XXXX XXXX and XXXX XXXX in the branch. XXXX went outside and verified the machine was stuck displaying " transaction processing ''. They advised me that XXXX manages the ATM 's for BB & T and they have no responsibility for the ATM. They called and made a claim XXXX for the missing {$360.00} but said they could not access the ATM and could request the ATM be serviced to locate my cash. I was told XXXX would come out the next day. Now they are saying the '' Fraud '' dept is handling and it normally takes 5 days for them to look into it and XXXX will not come out until Friday XXXX/XXXX/16 and I " MAY '' have provisional credit by the end of the week. I called the " FRAUD '' dept at BB & T XXXX and I was in the recorded loop for 30 MINUTES and the call finally dropped without anyone answering the phone.

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 2015-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Can someone please address the below ongoing issue? I still have n't received a response on the OVERDUE PAYMENTS that keep appearing on my statements. 




1. Why do I have an overdue payment amount of {$59.00} reflecting on my XXXX XXXX, 2015 and XXXX XXXX statements? I am still not clear on how I can have an overdue payment when payments have been coming from Keep Your Home California under Hardest Hit Program. These Overdue Payments have appeared monthly on my statements under Explanation of Amount Due since I have been on the Hardest Hit Program. Please advise why and what these are for?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Select Portfolio Servicing is supposedly the servicer on an alleged loan. Whether there is a loan or not is not at issue here. On XXXX XXXX, XXXX, SPS modified said loan on behalf of the " owner of the note ''. At the time, this was supposedly some version of a XXXX Bank XXXX. On XXXX XXXX, XXXX, some random company called XXXX sent a letter stating SPS was actually the owner of the note. I would like to know what exact insurance payouts were made on this account please by whatever 3rd parties or government entities may have insured the note, mortgage or related documents. I would also like to know if TARP funds were used towards any portion of this account please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation