vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc.
State: GA

Complaint narrative:
AR Resources, Inc. sent a letter on XXXX XXXX, 2016, requesting a balance of XXXX. I sent a letter of validation and verification of the alleged debt, which was received by AR Resources on XXXX XXXX, 2016, via US Certified Mail # XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX, 2016, XXXX XXXX, Supervisor, verified that my letter of verification was received in their office. AR Resources applied this account to my credit file days after becoming aware of my letter of validation and verification. AR Resources has not provided me with proper verification and I am requesting an immediate removal of this account from my credit file. I am requesting a cease and desist on this account until AR Resources can validate this alleged debt and send proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hi my name is XXXX XXXX, I live in XXXX California. I have a loan with NationStar Mortgage and iver been trying to get a loan modification from them for some time now. I have gave them all requested documentation and I have a sale sate scheduled for this property on XXXX XXXX, 2015. I 'm worried that they will not postpone the sale date due to some odd regulation they might make up on the way to just sell my home. I do n't know how much longer I will have to be working with them to receive a loan modification. Please help me to receive a good modification for my home so that I could pay my mortgage and not live on a stressful day to day basis with the foreclosures. 
I really want to work with them and I want them to do the same. I do not want them to play games and give me a loan modification that will be higher then what I used to pay before. ( It seems as though that 's what every company is giving out these days. My friends complaint about this issue too and im really hoping that we can get this resolved. 
Please help with the sale date its very close. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
My company began banking with BB & T in 2006. Part of the service from the BB & T bank is to provide merchant services. In the agreement with BB & T bank is a fee for the bank to provide PCI compliance on a monthly basis. The compliance fee program is to keep my business compliant to regulations concerning merchant processing. The merchant processor is BB & T bank merchant services. I have recently separated from BB & T after discovering that BB & T bank has been charging for the compliance fee program and a non compliance fee on every statement monthly since 2006 for my merchant services. The compliance fee program is {$9.00} which is to keep my business compliant, therefore the {$15.00} fee BB & T has been charging is, in my opinion conspiracy to commit fraud. Fraudulent bank practice knowingly taking funds for a service that the bank is specifically providing you a program fee to make your company compliant to government regulations makes the BB & T bank an institution that is defiling the very fabric of banking. I wish to continue with any and all prosecution and or testimony required to have BB & T bank exposed to the public and to ensure that other members of the BB & T banking community are not being deceived as well. I address the question to a BB & T representative from the bank by telephone and was ignored without a follow up conversation.

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 2016-08-03 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: ORG GC GP BUYER, LLC
State: DC

Complaint narrative:
I did not sign, endorse, authorize and or consent to any contract or applications that created any inquiries with the listed corporation, agency and or company. Moreover, I have not applied for, neither received any services or credit with ( " GC Services '' ). I have no accounts and/or contract with ( " GC Services '' ), nor do I wish to contract with you. I do not authorize or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. This includes all file ( s ), contract ( s ) and or information containing the name ( s ) " XXXX XXXX XXXX, including but not limited to addresses, email address, social security number, credit card information, phone numbers, etc. in any variation, spelling or derivative. I do not consent and/or authorize the disclosure, publicizing or revealing of any information pertaining to me to any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which ( " GC Services '' ), is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with ( " GC Services '' ). Further, there being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry be removed from my Consumer Report immediately and a copy of such deletion mailed to me. This is an attempt to correct your records and any information obtained shall be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
On Friday XXXX my sister received a call/voicemail on her personal cell phone asking for me by my nickname ( not legal name ). The caller was XXXX XXXX asking to return call to XXXX XXXX. My sister called me worried that there was a problem ... I returned the call and XXXX XXXX did not identify herself as working for a debt collection agency until I asked specifically. XXXX XXXX requested personal identifying information before identifying her companies business. I refused to provide information beyond my birth year which confirmed the alleged debtor was not me. I asked XXXX XXXX which company she worked for and she told me XXXX. I then asked why they would contact a family member for debt collection for a debt which was easily identifiable as not mine. I asked XXXX XXXX for her companies federal tax ID number for complaint purposes and she said she was unable to provide it. I was then transferred to a supervisor who identified herself as XXXX XXXX. XXXX XXXX identified her company as GC services which is incorporated in the state of Texas. XXXX XXXX again refused to provide a federal tax ID number. She refused to tell me if the company had any DBA 's or subsidiaries. She then refused to provide me a contact number for herself. She also attempted to acquire personal identifying information from myself and did not disclose the purpose of the phone contact. In Summary XXXXGC Services contacted a relative on a personal cell phone regarding a debt that was easily identifiable ( even by birth year ) as not belonging to me.. when contacted the company representatives did not disclose their purpose and asked for personal identifying information. Management then refused to provide company information even so much as a contract phone number extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 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: Turning Point Solutions LLC
State: CA

Complaint narrative:
I signed up for this dating service, XXXX XXXX on XXXX/XXXX/2012. The representative of this company did a bait and switch of their dating services. I specifically told the woman that I DO NOT want a blind dating service. She told me that I would be able to see a photo before hand. She also did not give me a copy of the contract until after the three day rights of recission expired. I also was an emotional wreck when I came into the office and signed it under duress. Afterwards, she told me that I can do a different plan to see the candidates but it would cost me an additional {$10000.00}. 
Now a collection company called Advanced Capital Solutions is hounding me for further payment. As far as I am concerned, they should issue me a full refund for the money that I already paid.

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 2015-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY

Complaint narrative:
XXXX XXXX from Daniels & Norelli called me today at my work place. I do n't appreciate this, and would like to have them stop this. I would greatly appreciate your help with this. 

their phone number is XXXX and XXXXXXXXthank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
I am being called multiple times on my cell phone and home phone about a student loan taken out in XXXX when I was in college. GC Services, claims they are calling on behalf on XXXX, calls repeatedly, even after being told several times that I am making payments in early XXXX, and to stop repeatedly calling. They 've called more than 7 times a day sometimes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
they called on XX/XX/XXXX in reference to an old debt. they offered a settlement. I was unable to agree to settlement. XXXX then told me if i am refusing to pay so he can continue legal route. I said at this time i ca n't do the settlement due to amount they are requesting within 5 days and I asked and sent them a cease of communication notice. He called again on XX/XX/XXXX to my place of employment. On a recorded line on my company 's end i requested to XXXX not to call us at work and told him i would call him from my cell phone. I called him on my cell phone and again requested for him to stop calling us. I told him that we can not due the settlement they offered us and I do n't see the point of them continuing to call and harrass us. He ended call by saying good luck and hung up. they also called XXXX ( my work number ) they also called 1 of our store locations XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
I keep getting calls from various numbers every so often ( over the last 4 years ) they will call under a different name and with threats from a public server that I will be served at home or work withing 24 hours. They have also contacted my ex-husband and mother-in-law continuously.. when i ask the name of the company and address, they give me nothing but today a person named XXXX XXXX called and said he will serve me within 24 hours. I am not sure if this dead debt is being tossed around to several collections companies every so often ... ..I need them to produce info, take me to court or something, but I just keep getting harrassed and no info from them. here are XXXX of the numbers that called me today from the same place ( XXXX ) ; ( XXXX ).

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: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC.
State: NE

Complaint narrative:
I am attempting to obtain a mortgage loan, and noted in my credit report an item from IQ Data International ( IQDI ), a debt collection agency in XXXX, WA. Because I was unfamiliar with this item, I contacted IQDI, and was informed that the account listed on my credit report ( XXXX ) was not my account, and instead belongs to a XXXX XXXX ( a name which is very similar to my own ). Because time is of the essence, I requested that IQ Data International provide the credit bureau documentation stating that I do not owe this debt, so that the item could be cleared from my credit report. I was told that they were unwilling to provide such documentation because the mistake was made by the credit bureau, and not IQDI. In addition, the person that I spoke with was EXTREMELY discourteous - bordering on nasty. When I then contacted XXXX, I was informed that the mistake was in fact made by IQDI, and that my only recourse was to dispute the items and wait for IQDI to respond, which could take up to 30 days. I was hesitant to file a dispute, as my lender informed me that this was viewed negatively, and further, waiting 30 days could delay closing on a mortgage and jeopardize my ability to complete the purchase of a home. IQDI should be accountable for fixing mistakes, particularly when they admit that their own internal records show that they reported incorrect information to the credit bureau, and they should be accountable for providing documentation of a reporting error when such documentation is requested by a consumer.

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 — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I sent Cavalry Portfolio Services a debt validation letter on XXXX XXXX. 2016. They ignored my request for validation and continue to make attempts to collect on a debt I am not sure I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17 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: GA

Complaint narrative:
The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXX. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 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: ONLINE Information Services, Inc.
State: NH

Complaint narrative:
I filed a complaint on XXXX XXXX on this site. I asked to have Online Information Services to do a validation check as I do not owe this debt. They replied back and submitted a XXXX page document as a validation check. There is zero proof that I owe this debt. This is totally unacceptable. And to top it off, the debt is passed the statue of limitation. They are not even suppose to try to collect this debt. 

The ridiculous validation that Online Information Services provided is attached on this portal. Edit, I could not attach for some reason, but see Case number : XXXX - Online Information Services has not given any explanation and show me how they calculated what they say I owe. 

- Online Information Services never gave me the original creditor 's statements, contracts, copies of checks, complete payment history. 

- Online Information Services never demonstrated that this debt was not claimed as a loss with any insuring entity. 

- Online Information Services never Indicated if the debt is assigned or purchased. 

etc. 

This leads me to believe that this is fraudulent. Online Information Services is trying collect a debt that is not owed, and is out of the statue of limitation!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX HIRED CAVALRY TO SKIP TRACE ME AND FAMILY MEMEBERS TO LOCATE ESTRANGED BROTHER AND SISTER -IN-LAW, WHILE VIOLATING OUR PRIVACY AND HARASSMENT VIA PHONE, ( SEE ATTACHED INFO ) ALL ARE IN VIOLATION OF FDCPA AND TCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
This showed up on my credit reports. I have never heard of these people. I have no contact information, there web site does not give a mailing address. 
How can I get legal validation if there is no way to write them?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 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: I.Q. DATA INTERNATIONAL, INC.
State: NC

Complaint narrative:
Re : IQ DATA internationalAmount : $ XXXXXXXXAccount # : XXXXHello, My name is XXXX XXXX . 
I am writing again to have a XXXX item reviewed and removed from my account. I complained previously about the particular account being the result of Identity Theft and yet this is still listed on my credit record. 
To date, this has been XXXX of the utmost frustrating and wild experienced I have ever been through. It has since caused my much stress, aggravation and sleepless nights. A police report was filed identifying the Theft and I have been advised that if this is not removed, I will have recourse to file a Suit for defamation and harassment against the XXXX and IQ data International. 

Please find attached the Theft report from the local police department. This entry should be permanently removed and blocked from any and all files containing my name and Social Security number ASAP. 


Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company calls my work phone and cell phone back to back XXXX4 times daily. I attempted to call this company to make arrangements and they refuse to give me their mailing address to mail in payments. I was advised the only way they would accept payments was via my bank account or via XXXX XXXX which will cost me more money than is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Castle and Cookie Mortgage LLC
State: TX

Complaint narrative:
My escrow payment increased significantly from one month to another without warning. I still do n't understand why this issue could have been avoided. After several calls to my mortgage company Castle & Cooke I remain confused with the lack of customer service provided.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Center, LLC
State: NY

Complaint narrative:
Credit Center of XXXX XXXX XXXX, XXXX CT XXXX are claiming that I owe XXXX to an company named XXXX XXXX. I have requested that the verify the amount of the debt and the name of the creditor. They have not provided me with any information and have continued to send notices to my address demanding payment. The third letter is dated XXXX XXXX, 2016 and yet have never provided any verification that the debt is truly owed by me. 
The first letter from them is dated XXXX XXXX, 2016 and my response letter was dated XXXX, 2016. Subsequent to this I have received two additional notices demanding payment.

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