vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
I was promised a low interest rate upon my auto purchase, but I received one that is on a scale ... .the interest rate starts out so high like {$120.00} @ month then slides as the car loan gets closer to the end. I did not want this and asked BMW for their promo rate of 0 % like many car dealerships are offering. BMW Financial has refused. Their advice was to refi after 6 mos and when I tried to do that, they gave me a higher int rate than I am currently offered. All I want is for them to reduce the interest rate as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I had a Toyota Corolla leased with Toyota Motor Credit Corporation. The vehicle was returned on XXXX/XXXX/2015 and I drive a XXXX now, that i have with TMCC employee lease program. I have received several phone calls from a debt collectors named XXXX XXXX and XXXX XXXX at my job and at my cell phone during work hours after requesting the company to stop harassing me as my vehicle was returned and no debt remained. I have sent several documentation that my husband and I drive a vehicle thru TMCC and pay for it and i was told that if you trade a Toyota car for another one, that any fees would be waived. Once all my information was sent and calls stopped. Months later, I received another call from a different agency. I have never received any responses or letters in months since XX/XX/XXXX - I received a collections call on XX/XX/XXXX about this debt once again after i sent information and gave proof I was a driver of a Lexus, along with a copy of my driver 's license and my husband 's and mine and the new vehicle contract. I should not be receiving phone calls after asking for the calls to stop, and after proving.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-25 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: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
My husband received an affidavit of renewal of judgment few days ago. It so happened that I pulled our credit report because we are looking into buying a house, well on that credit report it shows that its been satisfied since XX/XX/XXXX. We 've paid this off. So now we are being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX E-mail : XXXXXXXXXXXX Cell Phone : XXXX Dear Madam and Sir, On XXXX of 2014, I found that I could not XXXX, so I went to XXXX XXXX, XXXX XXXX XXXX, Emergency room. They tried to treat me, but they could not and made me lose a lot of blood, then they asked me go to XXXX XXXX. In XXXX emergency room, they solved my problem and took much more time and only charged me {$700.00}, but XXXX XXXX XXXX charged me {$1100.00} and could not solve my problem. My insurance company and me have paid them more than {$800.00}, therefore. I should not pay more to them, but they asked collection company to collect more money. I think that is not right and XXXX XXXX XXXX charged me too much. The account # of XXXX XXXX is XXXX and the Account # of Merchants Credit Association is XXXX. If you need more information, please tell me. Please tell me I should pay them more or not. 

Thank you very much for your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I do n't believe that I am responsible for a debt that is showing on my credit report. This debt if from XXXX XXXX Apartments I believe they illegally sending information to the collection company I. Q. Data International , Inc as to the amount that I owe in connection with an apartment my daughter lived in to where I cosigned for credit so she could get the apt as she recently moved from XXXX to XXXX. My daughter moved into the apartment on XXXX/XXXX/XXXX and was evicted from this apt complex on XXXX/XXXX/XXXX due to failure to comply with lease agreement. My daughter did go to court proceedings in XXXX and was evicted from the apartment on XXXX/XXXX/XXXX. My daughter did inform there was a attorney bill that she would be resonsible for but they never billed her for. The first notice that I ever received regarding this issue was from I.Q. Data International , Inc. informing that this issue went straight to collections without prior notification to me or my daughter so that we could attempt to resolve any debt or issue. We have never received any billing as to the break down for the charges they are informing I owe as the principal due. I never received a bill period from XXXX XXXX XXXX as to why I owe them this amount. I found out it was on my credit report as I am seeking a new job since I was displaced and was rejected for being hired by several prospective employers due to this collection on my report. I was informed my first step was to send a request to XXXX to remove the debt as well as to I.Q. Data International, Inc for validation of the debt. Today I received a letter from I. Q. Data International, Inc with the cosigner agreement letter and security deposit refund accounting form written up by the manager/owner of XXXX XXXX Apartments from I. Q. Data International , Inc. this is a freeform document where he has written in amounts for termination fee eviction fee repair costs totaling {$3600.00}. No proof of incurred charges was received at all. I am requesting that the item be removed from my credit report due to myself and my daughter never being properly billed prior to being put on my credit report, lack of validation of debt, and lack of clear invoices/ receipts showing legality to the amount owed. I 've attached the letters that I sent priority mail to XXXX as well as IQ Data, Inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION
State: NM

Complaint narrative:
Took out a payday loan from Check n Go small loan lender in XXXX XXXX, New Mexico. Due to financial hardship was unable to make regular payments. Revoked ACH authorization for automatic withdrawls from checking account, but company continues to make withdrawls or attempts to make withdrawls from my checking account resulting in bank overdraft fees and additional financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 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: Security Credit Services, LLC
State: TX

Complaint narrative:
I recently pulled my credit report and noticed that there 's a collection from the agency. I have never been notified of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 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: WA

Complaint narrative:
i was contacted by the iq data international folks I was told by a rep that the property was purchased by a different company and that because it was owned by a new XXXX that they needed to cover the debt I agreed that I could make payments as I was doing previously then the next week I was contacted by a XXXX XXXX stating that I was needing to make a full resolution of the amount or they would make some thing bad happen when I inquired about the " next action '' I was told nothing I agreed to attempt to make a payment they withdrew an incorrect amount from my account throwing my whole account into turmoil when I had called before the check went through stating I could make part then and part in 2 weeks then he said ok then I was contacted XXXX by XXXX again stating that he was mad the check did n't go through and if I did n't rectify the situation then he would go forth with further collections activities when I asked for proof of the debt he said he did n't need to provide that

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 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: NV

Complaint narrative:
Requested validation and nothing received. Unknown debt and account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX turned this to collections without informing me that the insurance coding is incorrect in order for my XXXX insurance to pay. XXXX, my XXXX, refused because of I sufficient coding. It would have been nice if XXXX had shared that with me so I could assist in getting a new code for XXXX to send to XXXX. Yes, you heard that right, XXXX is making me contact the doctor to tell them that they need to send XXXX a different billing code! This does not seem right but what else am I supposed to do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I applied for a job and was offered a position. Subsequent to that a credit report was requested. There were XXXX items that were reported incorrectly. As a result of the incorrect items an adverse action was taken against me ie rescinding a job offer. These XXXX items as reported were. 1. a bill of {$260.00} reported by XXXX for an account listed in XX/XX/XXXXand held for two months. I returned the items apparently comcast lost them or incorrectly listed the items as not returned. 
2. XXXX. I have had an account with XXXX for about 20 years. This past year I did not work for six months consequently XXXX disconnected my service for two months service. I have tried to talk to XXXX XXXX without success. Once I work I will be able to pay them back but given the availability of streaming and low cost alternatives maybe not but I should not have a job offer rescinded. 
3. Villages of XXXX XXXX, XXXX Oregon. I went to XXXX to work for two months. I took over a sublet. I was required to pay first and last months when I moved in. I stayed for two months, I gave notice a month in advance. I paid for three months and stayed for two. It has been impossible to resolve this without hiring an lawyer in XXXX Oregon which is across the country from where I live. 
4. IRS. Like XXXX other people I was impacted by the XXXX. I listed the foreclosure judgement on my house as a loss. The IRS did not like that. They imposed a lien on my house. To have it removed I need to hire a lawyer who the IRS will talk to. They will not talk to me. I should not lose a job over this. Furthermore a lot of my effort in the past 5 years has been to keep my house. 
5. Because of the above, i bought a car with a ridiculous interest rate. I was out of work for several months. XXXX XXXX did crazy reporting. It has been impossible to talk to anyone at XXXX XXXX. 
Debtors prison has been done away with. I have had a long slow climb out of debt. To have a job rescinded because of previous debt is ridiculous and beyond the scope or abilities of an Human Resources manager. I agree to have a background check but to use the results of a background as grounds to rescind a job offer is nuts. Credit reporting is mainly a tool wielded by bullies used to justify higher interest rates, and in this case lose a job. Telling the IRS in XX/XX/XXXX that I had been out of work for 18 months was useless, as their prime focus is to pick on people who ca n't fight back. Its what they do. The have a lien on my house. I ca n't sell it without paying off the IRS. Mine is a story of what can happen when XXXX hits the fan but I should not have a job offer rescinded because of previous debt. This is most unfair.

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: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
There is a collection agency for some apartments that i never lived at. I have disputed this account multiple time with no success. I have had the collect agency send me the information they had, which showed that the dates this apartment was leased, I was receiving unemployment. I contact unemployment and got my records from them and filed another dispute and submitted my unemployment documents to prove it was not me but still no success. XXXX has also contacted the collection agency with my documents but they will not remove it. I have contacted the collections agency asking what kind of steps I could take to get this removed and they told me to pay it. When I tried to explain to them the situation, they told me there was nothing i could do. This account on my credit is holding me back from so many things and i just need help getting it off please!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 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: EXPERT GLOBAL SOLUTIONS, INC.
State: VA

Complaint narrative:
I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or compay .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
We were attempting to ONLINE pay one of two debt listed with the collection agency. Their online system does not allow individual debts to be paid, they are forced to be consolidated. I attempted to pay the XXXX XXXX XXXX debt ( the lower amount ), but the option to receive confirmation of either debt paid will not be reflected, neither debt is shown paid. If one debt is in being challenged, they force you to pay both in order to get the other addressed and off your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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 had a loan out with this company for a number of years. 
Recently i fell behind on my bills. Too many credit cards and loans. I decided to join a debt relief program to help me get out of debt. I sent a letter to this company that the debt relief program told to me to send to them notifing them of a change of contact. The company continued to mail late notices. 
Someone who works for that company came to my home. I wasen, t there so they left a late notice with my wife. I called and talked to someone working there and asked if they had gotten the change of contact info that i had sent them three months ago. She said yes but they did not work with this debt relief program. I informed them that the debt relief program had them listed on my creditor list and did not inform me that they were exempt. I gave them a phone number for the debt relief program. They continue to call me and the references that i listed on the loan. And said that they will continue to call these numbers until i pay them. I have been in this debt relief program for five months they are negotiating with my creditors and this loan company is on the list.

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 2016-02-17 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: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I moved out of my apartment complex ( XXXX ) in XXXX 2014. Upon turning in my keys, I spoke with the community manager and office staff and was told that I no longer have any balance due to them. A few weeks later, upon dropping my daughter with her Dad ( who lived in the same complex at the time ), I saw that our old apartment had already been let to a new tenant. 

Imagine my surprise when I ran my annual credit reports and found XXXX entries from IQ Data International on behalf of RentCollect Global attempting to collect something regarding my deposit bond for XXXX. 

I previously submitted a complaint to this office ( CFPB ) and that matter was closed as correct. However, I now have current information from XXXX stating that they know I do not owe any money and yet, IQ Data/RentCollect Global is still attempting to collect this debt and still has negative marks against my credit report.

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 2017-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC
State: ND

Complaint narrative:
I was contacted by XXXX several dozen times and I repeatedly told them that that they had the wrong person and I did not provide any thing from them. They said a laptop was purchased by mme and that is not true. I have never bought a laptop nor was a laptop delivered to me. I believe that someone may have stolen my personal information to make this purchase. I explained this to the representatives on the phone and they threatened me and called from XXXX-XXXX somedays. I begged them to stop calling me and they continued to call and said they were going to file a lien on my home and my vehicle. I had to change my phone to to stop the harassment calls. They would not work with me and called me a liar when I said I did not make a purchase from their company. I eve. Made payments for something I did not buy so they would stop calling and not place liens on my possessions. They are cruel people and I believe they were scamming 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 2015-06-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I opted to use PayPal 's BillMeLater XXXX XXXX months interest free XXXX to purchase a refrigerator. PayPal subsequently provided a bill showing no payment due. However, on the XXXX bill showing a payment due, they had already rolled the entire XXXX months of interest into the balance due. Immediately upon receipt of the bill showing a payment, I contacted them to clarify that I could pay the balance in full without interest charges. They said I was a few days outside of that window. I asked to speak to a supervisor who told me that he understood my confusion and XXXX. ) asked me to pay the original balance and XXXX. ) asked me to fax a letter requesting the interest charges be removed. I made the payment with him and have faxed the letter XXXX now and although I get an acknowledgment email saying that I should see any adjustment within XXXX days, the interest remains on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 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: CA

Complaint narrative:
XXXX XXXX 2015, Good Morning Attorney General, My name is XXXX XXXX XXXX, I am a senior Citizen, on XXXX! XXXX 2015 i gave written notice to the Management of the XXXX of my intention to terminate my lease at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I was advised that there would be a early termination fee and i gladly accepted to pay it. 
Once i moved out, i verified that they indeed had my forwarding address, they advised me that i would receive a bill in the next few weeks. 
Yesterday i received a phone call from a collection agency named IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX, they claim they own the debt forwarded by the XXXX apartment homes. 
I never received the bill, they forwarded the balance due to the collection agency directlly without giving me the opportunity to pay it. Furthermore the collection agency refuses to send me a DEBT Validation per FDCPA, XXXX the collector claimed she dose not have to send XXXX to me. 

Can you please help me resolve this issue? 

Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXCA XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation