vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BAM Financial, LLC
State: FL

Complaint narrative:
I was XXXX contact by this company on XXXX XXXX, 2015. A man left a voicemail on my personal cell phone instructing me to call back regarding a business matter. They also contacted various members of my family that same day within an hour of leaving the voicemail for me. I attempted to return the call XXXX different times that day, only to be placed on hold for upwards of XXXX minutes, before either being transferred to a random voicemail or getting disconnected. 

XXXX days later, I received a " final notice '' letter from their legal department ( dated and postmarked XXXX XXXX, 2015 ), telling me I owe over {$3000.00} - an amount I do n't recognize - and demanding I pay the full balance of my account within XXXX days or the company will commence litigation and that they are presently compiling information regarding any property I own. It goes on to state that I will also have to pay the company an additional 10 % interest! plus court fees! attorney fees and processing fees. The letter states nothing of my right to dispute this debt, only that if I want to avoid further legal action, to contact them and that if I do n't pay them within XXXX days, they will assume I 'm not going to and will sue me. 

I 've already mailed a certified letter back requesting both verification of the debt and that they stop contacting me, but have not received the delivery confirmation for this letter yet. 

I received another phone call from this company today, XXXX XXXX, 2015, again asking me via voicemail to call regarding a vague " business matter '' and am hearing from the same family members as before that they are being contacted again as well. 

Also of note, the phone number for the most recent call was the same sequence of numbers as before, but appears on my caller ID as if it 's coming from another country ( i.e., XXXX as the country code, rather than XXXX for a XXXX number ).

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 2016-08-30 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
The Representative - XXXX XXXX for XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX repeatedly contacted me earlier today with regard to collecting an outstanding Payday loan that had been referred to his office for collections. He left several voicemails on my cell phone while I was at work with him laughing stating " I win '' and singing " it 's a lonely world '' XXXX XXXX repeatedly called me " XXXX '' and " terrible person '' who " does n't deserve to walk the face of this earth '' and demeaned my level of education although I have a XXXX XXXX XXXX from a very reputable university. He proceeded to threaten to expose private confidential personal information to my employer which is wholly illegal. He even went so far to attempt to demean me by asking if I visited my mother in jail, she is n't and has never been incarcerated and even if she was, this is beyond acceptable conduct. 

He threatened criminal charges would be filed against me and that my assets would be seized if I did not provide him my credit card information immediately. Furthermore, XXXX XXXX refused to allow me to speak with his supervisor or another representative as his level of harassment was well beyond anything that I have experienced before. 

The conduct of this company has been well documented by multiple parties other than myself and was substantiated by another representative whom I speak with who also stated " I do n't like him either because of the way he treats people. '' It is absolutely unfair to the consumer to endure such harassment and defamation because of {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
XXXX I was exiting a apartment complex XXXX XXXX. 
At the day of move out the manager did not give me anything to sign. She stated she would mail me any paper work and I thought she would refund any difference in the security deposit if they needed some repair living their 2 yrs. ( XXXX XXXX XXXX was the prop mgmt ) I left it very clean and they verbally stated it looked great. 
I had a federal suit for fraud against XXXX and XXXX for rent issues and denying reasonable accomidation. This case is filed in XXXX state. XXXX began having IQ DATA International phone and harass me by phone in XXXX and XXXX XXXX. 
IQ Data placed a fake debt with all XXXX CBs. I disputed it then and got all XXXX to remove it in XXXX. 

Now XXXX IQ Data is at me again for the very same thing and now they pushed the {$300.00} to {$810.00} they never had a judge sign anything. they have not been following the FDCPA or FCRA in an way in relation to this fake but very serious issue. 

I have a judges ruling from that federal case stating in fact XXXX did violate my rights to XXXX. So I am asking the CFPB to ask IQ DATA to produce the proof that they are not violating my rights under FDCPA and FCRA. 

Thank you for your help

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 2016-07-27 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Sierra Holdings LLC
State: TX

Complaint narrative:
I have ask the company to not contact me in regards of my account informed me they will still call me after I ask them not to then threat to repo the car. They are very rude and disrespectful I ca n't believe company like this exits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: MO

Complaint narrative:
Original debit was {$3600.00} dollars Settled and paid {$1100.00} in 2014 Net forgiven was {$1900.00} Cancellation of Debit that Security Credit Services reported to IRS in 2014 was {$5100.00} This is a difference of {$3200.00} -SCS did not send a XXXX -They refuse to send a corrected XXXX -They are claiming these are fees / interest

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
( Below is the last correspondence I sent to IQ data, that explains the nature of my complaint ) This Letter shall serve as formal notice of my Intent to file a lawsuit against IQ data, due to your blatant and objectionable disregard of the law. 

In correspondence dated XXXX, you received a demand for validation and cease communication letter from me delivered to you via certified mail. Your response merely contained verification of the debt and had no contractual agreements and original term agreements I had requested. Thereby this account was not validated. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $ XXXXXXXXIf you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX and XXXX ) within 2 weeks of your receipt of your receipt of this correspondence and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 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:
Never received any notice of debt in three years, debt pops up on credit report. Contacted company to verify debt, they refused to send out any information. Finally decided to give up and see if they would settle the debt for a lower amount because I am trying to get a house and can not have this on my credit, they refused to send me any information by mail, or even email and told me I could pay a lower amount. The next day they called me and said unless I paid right that moment, they were taking away the offer. They threaten with wage garnishment and legal action, all while REFUSING to send you any information on your debt or agreement to pay!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Legal Recovery Law Offices, Inc
State: CA

Complaint narrative:
I am a permanently XXXX XXXX year old man. XXXX. I have been in and out of hospitals for 8 years, XXXX lost my house, and lived in a friend 's garage. I have survived on my $ 1800/mos XXXX ( which I am trying work my way off of ). I am trying to correct/negotiate items on my credit report. I have had good success at settling most accounts. However, Legal Recovery Offices ( LRO ) at XXXX XXXX XXXX XXXX, XXXX XXXX, CA has been unscrupulous and told me tough luck. I had originally contacted XXXX XXXX ( account number ******************* ) credit card. I contacted XXXX XXXX and spoke to XXXX at XXXX ( ext XXXX ) who advised I ask LRO to return the account to XXXX XXXX. LRO said no. They garnished my government benefit account funds. I filed a claim of exemption which was granted ( XXXX Court of California case number XXXX ). During that process XXXX XXXX XXXX XXXX XXXX XXXX XXXX advised me that the proof of service represented to the court when the granted a judgement was returned. I was not served and had no chance to defend myself. XXXX I am trying to correct my credit, which was always high. The cruel words from LRO attorney XXXX XXXX that he " did n't care '' were shocking and inhumane. I seek the same treatment from LRO as the other creditors I 've been working with. They refuse to discuss a payment plan and, as XXXX XXXX said, expect to collect every penny of my original debt plus the near XXXX fees and interest they have added on. He hung up on me. I did n't choose to get so sick and lost everything, house, savings, etc. Please advise me how to deal with this cruel unscrupulous company. Thanks for your valuable time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 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: MI

Complaint narrative:
XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX is my original debtor. The staff repeatedly failed to respond to my request to fix XXXX leaking ventilation systems, XXXX in each bedroom, flooding on the carpet as a result of the leaking, and resulting mold problem all over the XXXX bedroom walls. 

The flooding was so bad that we could n't walk in the rooms without shoes on. The area around the ventilators was all soaking in brown water, which was slowly draining to the rest of the rooms. This resulted in mold around the systems and on the walls. I have really bad pictures to show for this. 

The maintenance man came to the apartment once, cleaned the walls with bleach and promised to come back the following day to drain the clogged up system. Inside the ventilation was rotting cotton wool-like material floating in rusty, corroded water that was slowly draining all over the carpet. He never showed up again to do the followup cleaning. 

After a week or XXXX, the mold was back on. I wrote to the office informing them that the maintenance man did n't resolve the issue. Nobody responded to me. I later found out that this molding/flooding issue has been an ongoing problem at the XXXX XXXX apartments. 

Considering that the complex has a policy that does n't allow potential renters to survey the apartment prior to signing on, I had no ability to observe detectable problems prior to signing the lease. 

Compounding to my complaints was the fact that despite being assured that the building was smoke-free, nothing was done to address the fact that my upstairs neighbors were not only smoking out in the balcony but dropping their cigarette butts on my porch. 

Unfortunately my daughter and I suffered XXXX problems, more so my daughter who has been treated for XXXX issues. I could n't stay there any longer. This debt is completely out of the negligence of XXXX XXXX XXXX XXXX XXXX XXXX to maintain a habitable place for tenants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I have asked them several times to not call me at work and they continue to do so. I tell them i will be in on a certain day or at a certain time and they still continue to call and harrass me. They are very hateful and hard do buisness with and they do not care about there customers at all. All they care about is the money and thry are always very threatening.

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 2016-09-17 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD

Complaint narrative:
got a letter from a lawyer mitchell d bluhm & assoc. for XXXX dollars i have medical insurance shouldnt be payimg anything have medical assitance sent that back with bill with insurance information thought it was taken care of since i never heard back from hospital

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-19 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: MO

Complaint narrative:
Cavalry Portfolio is reporting to the credit bureaus that I have a paid collection with them that is in conjunction with XXXX from 2011. I contacted XXXX regarding this information and was told that my account with them had been sold to XXXX XXXX, therefore, it is not possible that the Cavalry account is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
i have just received a copy of my credit report, it states that I had a judgment against me in XX/XX/2014. I do not know how I got this judgement against me as I was never given a notice to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
The cashier named XXXX XXXX, working in the Check 'n Go store located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, took my driver 's license and social security number, and input the numbers into the company computer system before telling me how much they were going to charge me to cash a {$500.00} insurance check. When I asked her why she did not tell me the fee amount before taking my personal identifying numbers she flew off the handle. She shoved the check back at me and tapped the keyboard once or twice and angrily said, " there now you 're info is deleted ''. I took out my phone to video the conversation and she yelled at me that it was illegal to video her and she threatened to call the police reaching for the panic button and picking up the phone. This woman is extremly rude and does not need to be working with the public. My greater concern is that this company now has my personal identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northeast Collection Bureau
State: IL

Complaint narrative:
We keep getting calls from an agency. When call them back to find out about the debit, I am told they do n't have a record of my number and they will take me off the list. The calls have not stopped and I have called them several times with the same result.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I received two thirty day lates on all XXXX of my credit reports back in XXXX XXXX, and XXXX XXXX, from BMW Financial Services. I have been trying for almost a year to get these lates off my credit reports, because the payments were made on time, and I have documentation to prove they were paid on time. I have sent this information to BMW and to the XXXX credit bureaus as well. BMW has insisted these payments were late, but they have never shown me any proof, they received them late, even with the supporting documentation. My bank has informed me, that it was likely BMW received the payments on time, because the payments were made via electronic transfer. Because BMW has not shown any proof of the EXACT date they received the payments I believe the information they are providing the credit bureaus is Questionable or Possibly Inaccurate and should be removed from my credit reports. BMW has received many Goodwill letters from me, but has been totally uncooperative in all respects. I have even had automatic payments drafted from my bank since these incidences have occurred, but they have refused every attempt I have made to correct the situation, even though the payments were not made late to begin with. I have nver been late with any payment in my life, and I believe BMW 's late are giving a totally false representation of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: SD

Complaint narrative:
I opened an account at the PNC Bank XXXX XXXX, 2015. I received a document showing a Routing number of XXXX, a {$25.00} deposit into a Virtual Wallet Account and a confirmation number XXXX. I called PNC, at XXXX about not having received an account number. They could not find my account using the confirmation number or my social security number. They have {$25.00} that was used as the initial deposit.

Company response to consumer: Closed with explanation