vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-24 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: CA

Complaint narrative:
I have requested in writing to this company proof in writing showing that this account belongs to me and to send me proof of my signature showing the same. They keep ignoring me and now they send me a letter with some attachments containing some charges under my name with no signature proving that this belongs to me. This account does not belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Three years ago I was contacted by phone by an online payday loan company. I was told I had made a {$700.00} online loan which had been deposited into a XXXX XXXX account. I told them I did n't borrow money nor did I have an account at XXXX XXXX. I contacted the Federal Trade Commission who took a complaint and told me it was best not to engage callers. 
The " collectors '' called me several times over the next year, each call from a different company saying I owed more and more. I assumed they were selling my name to the next con artist. But in the last year one company has consistently called me threatening to take me to court. I told them that I welcomed a court date so they could prove this debt I did n't make. They then began sending bills for {$6700.00}, and periodically calling. 
The other day I called my mortgage bank to get info on a refi and was told there was a {$6700.00}. collection on all XXXX credit reports. 
The Company is XXXX XXXX XXXX. 
I have n't tried to contact these people, because it 's not my debt and they do n't want to hear that. They just want you to pay anything they can get. I have contacted XXXX and disputed the debt, I was told I should hear something with in 30 days. They have ruined my credit rating and may potential cost me in higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 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: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I have repeatedly provided IQ Data with my bankruptcy paperwork, and XXXX with the paperwork required. This was on my bankruptcy in 2008 and has been discharged. No matter how many times I tell these people this has been discharged they will not saying it is an open collection and will not remove it from my credit report. The people are rude and aggressive and I have had enough.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
Debt never validated. Settled with original creditor. This creditor presenting false and misleading information to credit bureaus damaging access to credit markets.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Get phone call from XXXX. They say they are seeing for an account. At playday loan company. They say there is a warrant for my arrest for payment due. And sherff will be sent. Then they say I owe XXXX dallors but they will settle for XXXX. When I ask them for paper work they say it too late for that and I need to pay now. They have been calling my family and tell them they are investigating me and that they need to call back and to tell me to call them. I told them If they send me paper work and I owe the money I will pay it back in payments. I an on XXXX and have a limited income. I want them not to call family or friends. They have my number and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
A person named ( XXXX XXXX ) has repeatedly called me to collect an old payday loan that I had tried to pay off. When I realized I could n't pay the loan i made arrangements with Check N Go to pay so much a month over a year ago. After a few months I forgot to pay and did n't hear from them until recently. 

When I told XXXX XXXX that I was on Social Security and VA XXXX and am unable to repay the loan we made an agreement that I could pay {$25.00} a month begging XXXX 2015. I told him I would pay when my check came in. 3 days before my direct deposit came in he ran the check through my account over drawing it and costing me {$140.00} in over draft fees. When I contacted XXXX XXXX and complained he acted like he did n't care and told me he would repeatedly run the check through. I made arrangements again to pay on the XX/XX/XXXX and again he ran the check through the account causing overdrafts 3 days before the XX/XX/XXXX. 

Since that time I closed that account and now I am getting threatening and harassing phone calls. After several attempts to inform XXXX XXXX that I was not able to pay he started calling my family. First he called my XXXX year old dad, then my son, and today my wife at her work

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX, of XXXX XXXX XXXX, hired by Cavalry SPV I , LLC as assignee of XXXX, filed a civil motion on XX/XX/XXXX on time barred debt. The last payment that was later returned was on XXXX XXXX, 2012, so it fell into default XX/XX/XXXX. In the state of Alabama credit cards have a 3 year statute of limitations on them. As of XX/XX/XXXX this account was past the 3 years. Nine months later XXXX XXXX XXXX filed a summary judgment with XXXX County Courts, Al. Regarding the FDCPA it is against the law for a collection company to sue on time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC
State: NC

Complaint narrative:
In XX/XX/XXXX, I refinance my VA backed mortgage with XXXX XXXX XXXX , XXXX A wholly-owned subsidiary of XXXX. When we started the process the sale point was to lower my interest rate. I was told because I have a VA loan and the Safe Harbor Act I could not get an IRRRL. Which I did not understand why because, I was not or had been 30 days within 6 months late on any of my debts to include the mortgage. 

I am a XXXX Veteran, at the time I was under a lot of stress and went along with what I was told. The loan was transferred to 360 Mortgage Access for servicing. Then my nightmares began. My loan started out with a payment of {$1200.00}. In XX/XX/XXXX, 360 conducted n escrow analysis and lowered my payment. However they left out my city and county taxes. Once they caught their mistake, my payment went to {$1600.00}. Because they had to recoup the negative escrow amount from their mistake. When I called to workout a different payment arrangement for the negative escrow amount because it caused me a severe hardship. The customer services reps on more that one occasions told me to short sale my house ( with a giggle ). I did not see the humor nor did I think it was professional for them to have such an unprofessional approach to my issue. I suffered through XX/XX/XXXX paying the extra amount by borrowing from friends and relatives. XXXX would not consider a HARP or any other solution. Either XXXX or 360 Mortgage Access or both have predatory business practices. If I was not a Veteran this would not have happened. Now, the most egregious is the fact 360 stated they would conduct another analysis in XX/XX/XXXX and my XX/XX/XXXX payment amount should be lowered ... AS today the action has not taken place. They are still billing me for the extra escrow amount!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allen & Withrow
State: AR

Complaint narrative:
See also Complaint XXXX, against XXXX XXXX XXXX. This complaint is against law firm representing them. 
Currently engaged as Pro Se Defendant in lawsuit w/ XXXX , XXXX XXXX District Court , XXXX , Arkansas division Case No XXXX. See attached items. 
Plaintiff 's counsel is in clear violation of XXXX of Consent Order XXXX-CFPB, which is specifically applicable to Respondent 's attorneys and representatives. 
Bill of Sale presented by Plaintiff, via their counsel, as evidence in this matter contains no reference to the Defendant, any personal information pertaining to the Defendant, nor the alleged account number or particular Debt being collected on, at issue in this action, nor is there " exhibit attached to each bill of sale or other document transferring ownership of the Debt that is represented or warranted by a Seller to be a list all Debts acquired in that Portfolio. '' There is only a separate XXXX column printout page which does not meet the requirements of Order, and has no notation, header, footer or other identifying characteristic back to bill of sale.Although I requested adequate proof of ownership in Discovery via Request for Production of Documents, Plaintiff 's counsel objected to request as irrelevant. 
Also, Plaintiff 's counsel is in violation of XXXX of Consent Order, there is no direct reference in the original Complaint Affidavit nor Trial Affidavits as to the definitions of what or which documents the Affidavits to be " personally acquainted with the facts stated herein. '' Trial is iset for XXXX. Plaintiff 's Counsel 's XXXX responses indicate no further documentation to be provided nor witnesses to be called, depriving me of opportunity to cross-examine affiants, No affidavits filed from alleged original creditor. 
This indicates a continued effort to litigate and collect on a debt which can not be properly proven, and a lack of appropriate documentation which, per Consent Order, must be in hand before filing suit.

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 2016-05-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA

Complaint narrative:
This company PARKED a medical collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA XXXX ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA XXXX ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. If they sent anything out, I did not receive it or I would have sent a DV letter! 

Upon reading my credit reports a collection for this alleged debt has already been listed by another collector on the credit reports and the collection was removed in XXXX 2016. 

I request that they verify the following information. 1. What hospital is this medical collection for? 2. Date I was supposedly at this hospital 3. Full account summary and itemized calculation of alleged debt 4. Registered/Licensed number to collect in the state of Louisiana!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11 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: CA

Complaint narrative:
I received a voice mail from a case investigator XXXX out of XXXX county stating he received an affidavid or documents that he believed to support an order for me to appear in XXXX County Superior Court for investigation of check fraund and that I needed to contact him to sign some paperwork. The investigator did leave a number which I called and inquired to find out why I was being called for an alleged check fraud and could they give me some answers. I spoke with a woman by the name of XXXX or XXXX at ex. XXXX. She did n't have all of my information right but did have my email and some personal information ( mother 's first name, brother 's phone, etc ) I then gave her the last XXXX digits of my social security # to see if I could get more answers but little did I know I was then giving an ultimatium of paying {$1000.00} to a lawyer of some kind or go to court and pay over {$3000.00}. I asked if she could send me a copy of any document showing my name or signature on a payday advance loan. I received an email which I had forwarded to a friend who did some research and found out that the number attached to the email had been flagged for potential scam artist. So, I then called the XXXX Police Dept. to find out if I had any warrants out for my arrest which came back negative. When I told the XXXX why I was calling to find out about the warrent he told me to contact the local FBI and report a possible scam being done. Unfortunately, I do not have the name of the lawyer that I was apparently going to pay off, but I do have a copy of the letter that the rep sent me via email which I will attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 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: VA

Complaint narrative:
Yesterday, XX/XX/XXXX I recieved a Warrent in Debt from XXXX XXXX Court House, In XXXX XXXX Virginia. 

It States I owe a debt with XXXX which I do. And Shows that XXXX sold my account to Cavalry in XX/XX/XXXX. 

I recieved no letter from Cavalry warning me of any suit or to resolve any debt issue. I was not provided the opportunity to excersise my rights to validate the debt prior to Warant of Debt Notice. Also the amount they state is $ XXXX. When I stoped payments in XX/XX/XXXX to proceed with setting up Financial Counseling with XXXX Solution who is My Debt Councilors the debt owed to XXXX was {$1400.00}. Somewhere there is an extra XXXX that I dont know where it came from. 

in XX/XX/XXXX I had attempted to place XXXX in the Debt Program with XXXX XXXX along with my other debts brought on by a series of events last year but XXXX denied the proposal for reasons unknown. Since then I waited to see if this would go to collections and no notices where recieved. Until yesterday I recieved a package of a warent in debt with a credit card statement. There are no letters showing anything from the Cavalry company. 

I ask that This can be resolved without court action. I have submitted a letter to them by researching their phone number online and finding a fax. I sent a leter via fax to XXXX today XXXX XXXX, XXXX know I had a debt of {$1400.00}. The most I can pay is {$30.00} a month for the current time. I 'm the sole provider for my family and my husband is XXXX. My children are only XXXX and XXXX. 

Any Help in understanding this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Calling me at work, threatening me. Call back hang up in my face. Attempting to collect a debt that is not owed. I do not have a contract or agreement with this company. I have never obtained money from them. The original pay day loan company was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have a Paypal credit account ( aka XXXX ), I have made a payment to this account as well as obtained refunds from merchants which do not post to my account. I have been calling the customer service department daily for a week asking when these will post. I am constantly promised that it will happen at the end of the day ; when I chack my balance the next day, I find that I was lied to and that payments to the account and refunds do not poat and do not affect my current balance on the account. Where is the money going?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I got a letter in the mail XXXX. from Calvary Portfolio Services stating that they purchased my debt account from XXXX XXXX and are now the owners. Since then they have called me repeatedly ( sometimes once a minute for XXXX mins ). they have called my girlfriend, a past Employer of mine who called me to let me know a " Private Investigator '' was looking for me, and today called my brother ( immediately after calling me and leaving the voicemail below ) with the following conversation : " Is XXXX there? Is this XXXX Where is XXXX XXXX ". My brothers phone number was NEVER listed on any appliaction of mine anywhere which led me to believe that they found his name and number illegally. This is the phone call I received at about XXXX from " Unknown Caller '' which I did not answer. This is the Voicemail left : " Yes, Uhm Good Afternoon, my name is XXXX XXXX , Im a Private Processor with the County Serving Courts, and this is a request to serve you a summons regarding a lawsuit that is being filed against you at this time. Now, the firm that has filed the suit against you has asked me to provide you with a courtesy call with their contact info meaning, if you have any questions or concerns regarding this matter, please contact the XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. When calling please refer to your case number which follows as : ( random numbers-CV ), thank you ''. I recognized what was going on when he gave me the phone number to call for that " XXXX something XXXX XXXX ''. That number is the phone number for XXXX XXXX XXXX, a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
CAVALRY/XXXX refuse to delete an outdated, incorrect account associated with a divorce dispute from my various credit files which has had a {$0.00} balance as of 2010.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
My loan was placed with an attorney for collections and the attorney sends all correspondence to my place of employment. I was told today from my employer that this has to stop.

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: Improper contact or sharing of info — Contacted me after I asked not to
Company: FINEX Group LLC
State: CA

Complaint narrative:
THIS DEBT IS FROM 2008, ALMOST 9 YEARS OLD, AND IS BEING REPACKAGED AND SOLD TO FINEX GROUP ( A COLLECTION AGENCY ) AS A NEW DEBT. IT 'S BEING REPORTED TO THE CREDIT BUREAUS AS CURRENT. THE ACCOUNT NUMBER IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: BTS Motors, LLC
State: TX

Complaint narrative:
I had got a car out from my mother from XXXX and which in XXXX she was not able too work and pay on the car.. So I called too see what could be done and had told me to return the car and sign a paper and also had said that is was not going to affect my credit cause it was gon na be as a volunteer return all of the payment we 're paid.he said it was gon na be a XXXX balance on my credit so it woundnt affect me.. In which XXXX XXXX I checked my credit and it dropped stating I was 90 day late on payment ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I recently checked my credit score, it went down XXXX points since XX/XX/XXXX. While I was reteaching what happened and why, I noticed an increase of {$10000.00}. I then visited my account information on my mortgage holders website and saw this same dollar amount. US Bank called it a " Recoverable Corporate Advance ''. I contacted them but no one could explain what this was or why but that it was mandatory. What does this mean?

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 monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NM

Complaint narrative:
U.S. Bank Home Mortgage has made it extremely difficult to allow me to get caught up on a few missed payments for my mortgage. U.S. Bank Home Mortgage has committed dual tracking, in violation of the CFPB rules. U.S. Bank Home Mortgage has drawn out the loss mitigation process while at the same time filing for foreclosure in New Mexico 's XXXX Judicial District Court. To date the process of getting a loan modification has taken XXXX months. During this time they have made it extremely difficult to get a loan modification by requesting additional documentation for a loss mitigation packet that was not initially asked for. When complete documentation ( pay stubs, child support, etc. ) was sent in, I was told that next month that they needed something in addition to, plus the previous documentation. 
U.S. Bank acknowledged in a letter dated XXXX/XXXX/2014 that they had a facially complete application for loss mitigation, but still filed a foreclosure proceeding. I was in court yesterday for a scheduling conference for the Foreclosure and presented a letter from U.S. Bank proving that I had finished the trial payment plan and that a loan modification was in process. The Judge ordered a XXXX day stay of the proceedings so the loan modification paperwork could be finalized. 
Unfortunately, I have spent a lot of time and money defending this foreclosure in court. This also has been very XXXX on me and my family because of the worry about losing our home.

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