vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
Back in XXXX, I received a letter that says that I owe XXXX {$3600.00}. The problem is that I never started an account with XXXX, nor had the knowledge of it being in my name. Recently, the false debt has been reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Springer Collections Inc.
State: MN

Complaint narrative:
This man name XXXX XXXX from Springer Collection has been calling me back to back everyday since XX/XX/XXXX about a bill I owe back in XX/XX/XXXX which I do not remember. I told him i will try to get a loan to pay the {$2600.00} but I didnt get one. He call 4 times a day or more he talked to my boyfriend in told him that if i knew better i would get back to him, i owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I have done business with Tower Loan in XXXX, La ( XXXX ) before, last year in fact. However, when I had issues making payments they never gave me a hard time and worked with me. I was never more than a week or two late and thankfully I ended up paying them off early. In XXXX of 2016, I took out another loan and this month following the holidays and an issue that I was settling financially I ended up being 30 days late. When the branch manager called for my payment I told her I was n't able to pay at the moment, that I could make both last month and this month 's payment in two weeks and my account would be caught up. She rudely told me that would not work and they would start a suit and she would come to my home to collect my collateral. I 've never in my life been threatened for a payment of any kind .... can they just show up at my home and file suit after being late 1 payment? My contract mentions arbitration after 'good faith ' can not be met or what not, surely that 's not referring to being being behind 1 payment in two loans you 've had with a company?

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 2015-05-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
I need some help, I have had insurance my whole life, a collection agency has been calling named Alliance Collection. I advised this agency XXXX months ago if my insurance was ran they would have paid it. I took it upon my self after this agency reported this to my credit to call my insurance company finding out this was never submitted for payment at the doctors office which everyone was advised I had insurance and provided the card and proof. The insurance company is now also getting involved. The collector was very rude also.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 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: GA

Complaint narrative:
From the very first time the collection agency IQ Data International contacted my, they were very rude when talking to me. They talk down to me, constantly tell me " It 's not our fault that you did n't pay your rent, learn to pay your bills '', and say other demeaning things. They eventually stopped making contact after I continuously hung up on them when I realized who was calling and eventually stopped answering the calls. However, in an effort to clean up my credit, I have reached out to IQ Data this year in order to set up some type of payment arrangement and I was told " this is not customer service and I do n't have to be nice to you '', they never let me complete a sentence, they talk over you constantly. When I finally got them to offer something, they told me I had to pay {$800.00} and then the rest would come out of my taxes. After telling them that I ca n't afford that because I only make $ XXXX/year, I was told that 's not their problem and I need to call back when I have some money to pay. They stated that they will not work with me on making affordable payments. I do n't understand how I am supposed to pay this debt with such rude people handling the debt. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
I contacted this company via us mail requested verification of debt. I also filed a claim against this company for failing to provided the verification of the debt and the account that they are reporting. They responded by sending an statement but failing to provide other proof as I requested. I requested for them to provide 1 ) What the money they say I owed was for. 2 ) The original creditor and how the amount was calculated. 3 ) Proof that they were assigned to the debt or owns the debt. 4 ) Proof that the statue of limitations are not expiredAdditionally, when I spoke on the phone with a XXXX XXXX that represents the company, he refused to allow me to make arrangements and threaten to take me to court over the amount that I owe. He told me that he would not accept anything less than XXXX regardless of my financial hardships which was not his concern. I spoke with him at my job which is a recorded line to prove his conversation. 
This statement that was sent to me via mail is not enough information to verify their claim. Attached is copies of what they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 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: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I moved out of XXXX XXXX Apartments and spoke with the office manager. She stated I did n't owe anything. 3 months later, I got a letter stating that I owed an amount from them ( do n't have the letter ). I contacted them. Received an email stating that I owe {$570.00}, but was not notified via regular mail. Six months after, I received a letter from the collections agency stating that I owe {$870.00}. I have attached all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
a incorrect reporting by cavalry portfolio on my credit report shows that i have a collection account of {$1400.00} I have no knowledge of this debt when I requested investigation by both the credit agency 's and the creditor I got no response from them and then only a letter from the credit agency 's that they were going to update my credit report to show i disputed it. account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northeast Collection Bureau
State: AR

Complaint narrative:
On XX/XX/XXXX I received a phone call at my place of employment from a XXXX XXXX calling from XXXX ( northeast Collection Bureau ). He stated that my file was bought by them and am currently {$3000.00} in debt, but that is not the amount I was told in XX/XX/XXXX. In the month of XX/XX/XXXX I was told {$1200.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Debt has been resolved and has fallen off credit report. Original debt is over 7 years. Last payment made over 7 years ago. Rep is trying to collect on behalf of Cavalry Portfolio and disclosed I made a recent payment while account was in collection, complete false. Cavalry Portfolio can not verify debt and has wrongful been making account seem current in order to gain momentum on collecting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
Calls back to back without leaving a message identifying who they are. Have had 5 or more calls to my phone in one day. Called me multiple times even after I set up a payment to resolve the debt and insisted I use a different form of payment for faster processing. The rep XXXX and her supervisor XXXX demanded payment from me during initial Contact before I received a first notice and over shadowed my right to validate or dispute the debt within 30 days. Threatened to report to my credit if I did n't pay within the first 30 days of debt being in collections. Both people I spoke to were rude and cut me off every time i tried to speak, they tried to make me feel stupid about my rights and hung up on me multiple times. There were several calls where XXXX and XXXX did not advise me the call was recorded or verify if I was the correct person on the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION
State: NE

Complaint narrative:
On XXXX, I received a call from the area code in which I reside. Individual on the phone insisted on verifying my personal information, address, ssn, date of birth. I asked who it was. The individual then transferred to a man named XXXX who then quickly stated that he was attempting to collect a debt on a payday loan associated with my ssn. He then stated all my personal information like name address and DOB. He cited the laws in my state that I was in violation of due to this payday loan initiated on an account that I have not had for 10 years. I asked him to send me verification of the debt. He sent me a word document to my current email and gave me XXXX hour to determine if I was going to make arrangements to pay the {$2000.00} loan or be taken to court. The document included their case ID number, the lender 's name, the amount they were willing to settle and a disclosure with a toll free number. I called the BBB and reviewed this information. They looked it up and could not verify a business name associated with the phone numbers or street address. I called him back after reviewing the document and requested XXXX more hour as I had an appointment. He said fine. In that time, I Googled the address, phone number and nothing came up. I called the BBB of my state and they suggested to request official documentation of the contract for the loan. They also stated I should inform him that I had contacted the FTC. I called back to XXXX at XXXX XXXX Services. Once I requested the information and stated to him I had contacted the BBB he informed me that he had done everything he could and he would have to file with the court. He also stated I was not smart enough to even read the phrase Better Business Bureau. I interjected and said I am requesting this information so I can verify and protect myself from fraud. He repeated his comments and stated he is not frauding me. He then proceeded to berate me some more at which point I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
After getting a notification from XXXX about this debt approximately XXXX, I immediately notified them that this debt was an error of some type. XXXX worked with me to get this resolved and " XXXX '' out the debt. They and myself also contacted Merchants Credit to do the same. After contacting them I was told by a supervisor at Merchant Credit that they had received the notice from XXXX on XXXX/XXXX/16 but could not update with XXXX. was told if they call they would tell XXXX to cease reporting. I informed XXXX XXXX that since this was pulled from them by XXXX they should contact the credit bureau immediately to correct the error. Since they are not willing to do so I informed him I would be contacting CFPB to file a complaint. Although Supervisor XXXX was very nice he was not willing to contact XXXX to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
XXXX party debt collector, calling for Calvary Portfolio which is also another debt collector that purchased an old debt that the statute of limitiation has expired. I called them and told them to stop calling. The individual was very rude and argued with me that the debt was still good. Also stated that they would continue to contact and call me. The debt that Calvary purchased has been added as a derogatory debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
Received a phone call on XXXX from Office of XXXX, pretrial mediation stating I owed XXXX to a payday lender that have never received money from. The caller was named " XXXX " who refused to give me any information as to contacting Check N go. I went online and found a contact number, spoke to a representative whom I asked if my name and last XXXX of my digits have been in the system past or present. The answer was no. I smell a scam. 
XXXX phone # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 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: TX

Complaint narrative:
I.Q Data International has incorrectly reported a debt that is affecting my credit score. The company has not taken my side of the dispute into account or the fact that the Texas Property Code Chapter 92 allows me to terminate my lease without penalty. The company is blatantly ignoring the law, Texas Property Code Chapter 92, in order to forcibly collect a debt that is not owed. The only verification they have provided about the debt is the account information from XXXX XXXX XXXX, which does not validate the accuracy of the debt. I am still receiving notification stating that I owe the debt even though the law states otherwise. 

This is my second complaint against the IQ Data International submitted to the Financial Protection Agency. My first complaint is referenced in case number XXXX where I provided all the background information regarding situation between the XXXX XXXX Apartments and I, and the incidents that transpired between IQ Data International and I on the first debt notification. 

Additionally, IQ Data International has failed to provide the below request information : 1 ) The date the debt was transferred from the original creditor to the third party debt collector 2 ) Proof of my agreement to pay the original creditor ; 3 ) Surety bond information As stated by the Texas Finance Code Section 392.202, a debt collection agency or credit bureau is required to provide the alleged debtor with specific information concerning their debt including but not limited to the above mentioned information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
I sent XXXX separate communications not to contact me about this alleged debt. They have not validated the debt and have not responded to any of my notices. I ask them to cease and desist communcation under the FAIR DEBT COLLECTION PRACTICES ACT 15 USC SEC 1692c ( C ), ( e ), & ( g ). They now owe me money for this violation {$21000.00} and as stated in my communications. I will attach copies of the notices, with proof of mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 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: TX

Complaint narrative:
Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX is calling me stating that I have to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. 
This is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
I am writing to see if I can do anything about Cavalry Portfolio Services. In XXXX I co-signed for my son to purchase a car ; unfortunately it was repossessed the same year. I did not hear anything else about this until I tried to refinance my home in XXXX. At this time I have found out that the Title to my home has been attached by Cavalry since XXXX for the loan and the debt has been gaining interest and now I owe {$21000.00}. I was never contacted that this debt existed, and I was never served with a complaint. What can I do. I believe this is a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XXXX XXXX, 2016, I started a new job after being out of work for 3months. I paid {$1000.00} up front on XXXX XXXX, 2016 on my account to cover payments in between that time. I called the store daily, weekly, informing them of my situation. Talked to an associate, told them about the new job and changes to my paydays from bi-weekly to the XXXX and the last day of the month. On XXXX XXXX, 2016, two ( 2 ) payments were taken out on the same day even though we agreed on one ( 1 ) payment, but took out two ( 2 ) payments anyway. On XXXX XXXX, 2016, I went into the store and made a payment and told them again, that my paydays had changed to the XXXX and the last day of the month and please make this payment reflect on my account my payday change, again, I made this payment in person and talked face-to-face with an associate. At that time, the associate in store told me that my account was in good standing, and current, and that no additional monies would be taken out, but for me to come in on XXXX XXXX, 2016 with my paycheck stubs and she would take care of it. On XXXX XXXX, 2016, five ( 5 ) days later, another payment was taken from my account, which caused my account to be overdrawn, with a negative balance of {$450.00} and some change. I called the store about this the same day it happened and was told to come in with my paycheck stubs. I went into the store as instructed by the associate, and was told there was nothing she could do. She was sorry, she thought she could do something, but there was nothing she could do about it. I asked, " what if I call corporate myself '', she then said that their corporate office would n't help me either and probably wo n't even talk to me. She said if there 's money to be gotten, they 're gon na take it, no matter the circumstance or situation of their customer. 
I was not, and, am not trying to get out of my obligation to repay my loan. I took out this loan in good faith and they have been getting there money on time as agreed. The really sad part about all of this is that I have maintained communication with the loan company the entire time, I mean constant communication. But these companies, in no way, try and help during hard times, specifically when your in between jobs, as though your life does n't matter. I was told by an associate at the store locaton they did help me by giving me the loan, and it does n't matter what you 're going through, they want their money and will get/take it, by any means necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Recently my employer ran a credit check on myself and unpaid balance on credit card from XXXX XXXX appeared on the report under collection. I have currently XXXX credit cards from XXXX and all of them issued after the reported credit card in collection. 

Sometime back my gmail was hacked and all my personal information was leaked this clearly seems a identity theft issue therefore I would greatly appreciate if this issue is resolved at earliest

Company response to consumer: Closed with explanation