vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Certified Recovery Systems, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, In the attached statement are duplicated and incorrect charges I received from XXXX XXXX Apartments. I pointed out the damages to apartment # XXXX as well as the dirty conditions upon move-in on XXXX/XXXX/2013. These are clearly damages and cleanliness issues they are trying to charge me with in the move-out statement which clearly do not belong to me. I had reported these conditions to the leasing office before and after move in and they never made it a point to have them fixed or cleaned. The charges related to the damages and cleanliness conditions have to be removed from the balance to be paid. 

I have kept frequent communication with the leasing office and the collections agency via email. I have also visited the leasing office to submit my supporting documents and to receive the corrected balance, but I was told by the manager, XXXX XXXX, that they have to review the information. I have yet to hear from anyone. 

I would like to have this resolved in a timely manner and ask for your cooperation and advise. Please feel free to contact me directly if you have any questions. 

Best Regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
This is my XXXX complaint with this debt collector that bought old debt 2011. I had a wage garnishment and due to the collector not serving me properly. I was given back every penny and the levy was then closed. This collector keeps trying to get the venue transferred to a court to re serve me. The court that the collector is submitting it to gets taken off calendar then gets denied. I am like how much longer can this go on. I am a single mom with a daughter in school, trying to put a roof over her head and with this open collection no one will lease me home, we are now homeless. I have tried to contact the credit card company to make arrangements to pay the debt and only get told Mam? this account has been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Other financial service — Check cashing
Issue: Advertising and marketing — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
ON the day both social security and SSI XXXX fell on the same day the company shut down their computers sending most people home, in my case I lost money do to this disruption in my day, and they say they have no idea when the system will be turned back on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I have complained to the manager and owner of Tower Loan concerning the Loan obtained, APR of 22 % +. overcharged fees, harassing phone calls during work hours and at my place of employment, but received a negative response. I was also threatened to be taken to court for a {$18.00} late fee. I presented the payment of {$82.00} on XXXX/XXXX/16. The manager refused to accept the payment because I told her I could not pay the {$18.00} late fee. I told her to charge it to the next payment. She said she could not do that. I presented the check again and mentioned to her that I had just made an over payment of {$320.00} on the other account in an effort to pay them off early. She said that did not matter she was going to file legal papers for the late fee and that I would be responsible for court and attorney cost. I told her I did n't think so and to proceed. I have written XXXX posted dated checks of {$320.00} to be taken out of my second paycheck check to pay of their loan balance of {$1000.00}.

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 2015-12-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
Representative claimed I would be homeless on the street because of them reporting this supposed debt on my credit reports. I quote " you need to pay us {$320.00} or we will report this on your rental history and you wo n't be able to get an apartment, do you want to live on the street? You need to pay right now ''. 

They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. No proof if ID card etc. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have received several calls from XXXX XXXX XXXX stating that I owe for unpaid payday loans. They have accused me of check fraud and stated that they would be contacting the county office to file charges against me. I have told them that there were several internet payday loans taking out in my name and that I have been in the process of proving that it was not me. He stated that I was lying and that I stole money and closed my bank account so they could n't collect on it. I told him that the account was closed due to fraud, money being taken out, my personal information being compromised. I was talking loud because I was using the hands-free option in my vehicle. This processor called my job and left a voicemail stating that they would be calling me back and that next time I need to not be hysterical and that I would be served at my place of employment. He ended the call with " good luck catching the dogs. '' I have no idea what this meant, but I kept the recording and I want the harassment to stop. I 've had enough issues with my information being stolen and now I have to be threatened with legal action for something I have never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Merchants Credit Corporation
State: NV

Complaint narrative:
I received a message on XX/XX/XXXX indicating that someone ... no name given ..owed a debt. I called the number back there times on XX/XX/2017 and left message- maybe two- asking for a call back. I did not receive a call back. I called the number back today, XX/XX/2017, and got someone who had my name and an old address, but would not tell me what or who I allegedly owed. I asked for written verification of the debt and gave her an address where I could be reached, to which she responded " we ca n't mail things to XXXX XXXX, it 's illegal, '' without further elaboration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I received validation but no signed contract with this collection firm. I do not agree with the data on the statements or the date of charged off. Please assist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29 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: CA

Complaint narrative:
In recently signed up for credit report info on credit Karma.com and noticed a collections account from a company called IQ International. I have never been contacted by this company in regards to this debt via email, postal mail or telephone. In addition, when I sought them out -calling them inquiring about this debt on my own accord to learn more information on it, the staff member was extremely rude and derogatory. I stated several times that I had never been notifed by her company about this supposed debt and as such I asked to speak to a Supervisor at this time ; the employee refused to transfer my call stating that until we work out a plan to settle the debt, she would not transfer the call. I listened to the alleged charges - when I asked to have a written copy sent to me as I was going to dispute them due to inaccuracy, she refused. I stated that this was unethical practice and would seek an attorney if necessary and she said that my account was " noted '' it would not be reduced, or ammended and must be paid in full and that she would not send out any documents to me so have my attorney call them,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16 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: MI

Complaint narrative:
This afternoon i receieved XXXX phone calls from seperate numbers [ ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) ] and seperate people claiming to represent a company called XXXX XXXX XXXX. They had previously called my mother and sister before getting in contact with meThey opened the conversaation by asking me to confirm my identity and went as far as telling me the last XXXX didgts on my SSN #. ( which they also provided to my family in a voicemail when they previously called ) they then starting talking about a debt i owe from years ago to " Check N ' Go '', which is a legitimate debt. 

At this point theyre telling me that i owe roughly {$930.00} and must pay it in full immediately or they will file paperwork to issue a warrant and have me arrested due to " their client '' pressing charges on me for a couple different types of fraud. I questioned him about the legitimacy of what he was telling me and he got extremely defensive and kept insisting that i would be charged with felonies if i did not pay. he also refused to identify his client when i asked who was pressing the charges since he had told me that the original debt collection agency that got my account from Check N Go had turned over my debt to someone else, and that that new agency, whom he is referring to as his client, is the XXXX pressing charges if not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was contacted under false pretenses by a courier who was coming to serve me and then given the number to request a stop order but XXXX people gave me inconsistent information and the debt they are claiming I owe is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
XXXX - XXXX, XXXX calls me incessantly about a debt they purchased from Cavalry SPV I , LLC. I know Cavalary as a pending class action law suit as a result of their unethical attempts to collect debts via repeated phone calls even after the consumer requested not to be contacted any longer. The debt is nearly TWICE the age of the statute of limitations age - seven years here in SC. 

I 've asked on four different occasions in one week for them to cease contact. When you call their XXXX number you 're usually put on hold until some rude customer service representative answers. I was told that if I simply paid the debt, then they would stop calling. I informed XXXX reps that I was going to report them. 

One person hung up on me and one rep informed me that due to the age of the debt and law limits, their client, Cavalary, SPV I, LLC, will not sue me for the debt and will not report it to any credit reporting agency, but offered to settle the account for a one-time payment of {$630.00} if I provided a credit card via phone. Why on earth would I " settle '' a thirteen year old debt that continues to be sold for pennies on the dollar, if according to law I am no longer responsible for the debt? Then, that rep hung up on me as well. 

I also have a letter dated XXXX XXXX 2016 from XXXX XXXX , XXXX stating their client will not report it to any credit reporting agency and I can not be sued for the debt because of its age, yet they l continue to call repeatedly to collect a debt which is thirteen years old. 

I 've since blocked their number, but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc.
State: CA

Complaint narrative:
US Collections West located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX has placed an account for collection that has been paid, settled, and resolved through litigation with the original creditor. 
Upon my surprise after checking my XXXX credit report ( XXXX ) I found an entry for US Collections West ( see attached updated report with US Collection entry ). 
I immediately contacted US Collections West at XXXX and told the assigned customer service representative that " I did not owe this debt. This " debt '' has been resolved through the XXXX County XXXX XXXX Justice Court case No. XXXX. The debt was paid and upon the Plaintiff 's motion and for good cause shown it was vacated as the " plaintiff ( original creditor : XXXX XXXX XXXX XXXX XXXX ) and defendant have fully resolved this debt. '' I disputed the collection account via telephonic communication with US Collections west ( see attached phone records ) on XXXX/XXXX/2016 at XXXX. I was instructed that the account would be placed under dispute and I would receive validation of the debt. I was also instructed to fax a copy of the vacated claim which I faxed on XXXX/XXXX/2016. 
As of XXXX/XXXX/2016, I have not received validation, follow-up, nor deletion of the tradeline on my credit report. US Collections West has not notified the Credit Reporting Agency in a timely manner that the account is in dispute. 
As of XXXX/XXXX/2016 US Collections West has not provided validation of the alleged debt, yet continues to report to the Credit Reporting agency the following : 1. ) a debt exist 2. ) reporting a debt with monthly terms and a past due amount 3. ) Re-aging the alleged debt using an alternative date of first default 4. ) Failing to report the trade line is in dispute The following violations have occurred and more may have occurred : Violation of 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as an installment with a monthly payment term. 
Violation of FCRA 623 ( a ) ( 5 ) by reporting an alternate DOFD to Credit Reporting agencies Violation of FDCPA Section 809 { 15 USC 1692g } by failing to validate the alleged debt after receiving written ( fax ) and verbal confirmation of dispute on XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC.
State: UT

Complaint narrative:
Received call from IQ Data debt collectors claiming I owed {$1200.00} in fees from apartment lease. I moved out in XXXX of 2014 and they claimed there were fees racked up in XXXX of 2014. Another person took over the lease and I had nothing to do with it from XXXX, 2014. I received a call from a lady with IQ and she was very rude and insinuated that she 'd heard this type of claim before, insinuating that I was lying. I told her that this debt was not mine and I had nothing to do with it, she threatened If i did n't pay it, it would report to my credit. I told her again it was not mine and she said she 'd notate on the account that i was disputing but that i had to call her back and make arrangements. I sent a certified letter to their headquarters stating I disputed the charges and to not report anything on credit. I also called the apartment complex, and was told that they never once sent anything to collections regarding my name, only the lease holder that took over my lease. They must have researched the previous lease holder, which was me, and tried to collect the debt from me. I called them again to let them know of the information I would be sending over and again they were very rude on the phone, rushing me off and instead of giving me an address to where I can send the docs, telling me to call back to speak w/an account manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Turning Point Solutions LLC
State: DE

Complaint narrative:
I keep getting messages from some company that I have never heard of threading a wage garnishment for what I do n't know. When I call the number left in the message it 's to an employment line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: NJ

Complaint narrative:
I am in remediation for debt collection. Some creditors have settled. They have not. They are only supposed to contact me through the lawyer, but I am getting harassing calls on my cell, at home and at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ORG GC GP BUYER, LLC
State: AZ

Complaint narrative:
Original loan amount {$2300.00}. yes just {$2300.00}. 
collected to date directly out of my social security {$4000.00}. 
and they still want another {$1000.00}. and continue to add what appear to be made up charges. 
When is this morally wrong? 
{$4000.00} minus original {$2300.00} equals {$1700.00} profit, but they still want another $ XXXX+ Collecting over XXXX %? How can this be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
XXXX XXXX ( Pain management clinic ) gave United Collection Bureau based out of XXXX, Ohio a copy of my medical records, that includes my medical diagnosis, treatment plan, and health insurance information, including my health insurance policy number, group number, and the amount paid to my insurance company. I feel that this is a violation of the XXXX act. I know third party collection agencies can contact doctors, or hospital 's to obtain information in relation to collecting a debt, but I also know they are not allowed to obtain my personal account information, such as the ones described above. I want to know why United Collection Bureau needs to have a copy of my health insurance information including my policy and group numbers and the amount that was billed? i know the information is used to collect a debt, but I was not notified by my pain clinic, that amount was due. So I did n't get ample time to rectify the situation. I feel that United Collections Bureau, does NOT need to know my personal health insurance information policy number and group number, to obtain the amount of debt that I owe. The first time they phoned my house it was a human that tried to sound like a robo-call. Whoever was doing it, does n't realize that I have a voice mail and screen my phone calls, so she was leaving the robo-call message on my voice mail and not actually speaking to myself in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Management Control, Inc.
State: FL

Complaint narrative:
I know CFPB is getting tired of me but until this stops I have no choice. 

I have submitted two complaints to CFPB concerning a medical bill that is not mines that had been reported by XXXX Case Number XXXX & XXXX. It was proven that they had been lying about this file and kept reporting this even though the file had been proven to not be mines and lying to CFPB about them deleting this file. Notice after I proved that they were lying they never responded back. The reason they never responded back was because they were to busy finding another collection agency to report the false file. XXXX sold the file to Credit Management Control and they have reported this in both XXXX and XXXX reports. This is really getting out of hand and I am about ready to take legal action against these people. This medical bill is not mines and it had been proven with XXXX. Why is this file jumping from XXXX collection agency to the next after being proven false?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
GS Services is calling my work number they have been told in the past not to call this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I received a call from United Collection Bureau or as they call themselves UCB. I was told that I have to pay my XXXX Bill immediately or they will pad lock my front door and the sheriff will be coming to arrest me. I then called XXXX of their offices, and spoke to a XXXX XXXX who claimed to be the XXXX. He became belligerent and cussed at me. He told me that is why I am in collections because I am a loser. My XXXX XXXX XXXX daughter heard this as the call was on speaker phone. She started crying and asked why this mean man was calling you a loser Mommy.

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