vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
UCB collection contacted my XXXX XXXX time in one day and disclosed my debt to my supervisor and told her that they will be sending the sheriffs to the job to arrest me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I paid off Best Buy Credit Card and was awaiting a refund of balance. 
This was in XXXX it is now XXXX, and have n't received refund but I have had the run away and told I gotten the refunded when I called with my bank on a recorded line stating they put it in the wrong account and it was not the account I stated. 
It 's now XXXX/XXXX/16 still no refunded, transfer to this dept. and hung up on another, promise to get this done in 10 days and still nothing. 
Best Buy/Citi-Group can never get me as a customer again because I know my bank account # and I repeated it several times only to get my refund sent to the wrong account and Best Buy customer service only tells me its was sent to you and closed it. Cause apparently I do n't know my " Bank Account ''!! Done!! Complaint filed!

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 monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Endpoint Resolution Services (ERS)
State: NY

Complaint narrative:
I received a Phone Call from Endpoint resolution stating that they are representing for XXXX, And that I had to Pay them immediately! I have tried to have them to send Me a letter to verify if they are legitimate. I have been getting repeated harassing Phone Calls from various locations. And Today when I called to ask For a Letter, The person who has Been calling me threaten me and was very Rude, had said if I did n't Pay by XXXX Friday XX/XX/2016 they were going to take me to Small Claims Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 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: ORG GC GP BUYER, LLC
State: VA

Complaint narrative:
I received 2 phone calls in the moth of XXXX for a company titled GNC. ( I think that is the name never received anything in writing ) When I asked what was it in reference to they would not give me any info stating I had to verify who I was first. I said to them, I just confirmed my name but I will not give you my address or DOB and I do n't know who you are. I even asked for a website. Nothing given so I politely asked not to be contacted by phone but to send correspondence by mail. In XXXX I received a hit on my credit report for a collections from XXXX. Long story about this with sprint I will explain at the end. I called XXXX to ask why I was sent to collections when they had just corrected my bill to the right amount the beginning of XXXX. I was told by sprint my account was at a different office and given a number to contact them. I called the number provided XXXX and low and behold it was GNC or whatever their name is. I asked to speak with a supervisor received a call back and she proceeds to tell me there is nothing she can do and ironic her office tried to contact me but I refused to give information. I told her is it normal for a representative to call and not verify who or why they are calling. I told her if they said they were calling on behalf of XXXX I would have been more inclined to talk. The manager tells me they have to protect their clients privacy. What about my privacy ... That was stupid right there. So I then asked her ok this is more trouble than it 's worth. If I pay it will this be removed she proceeds to tell me no. They will just report it as paid in full. First I was unfairly sent to collections and then you wont remove it. " Now on to how we got here '' I canceled my service with sprint on XXXX/XXXX/15 and they sent me to collections on XXXX/XXXX/15. In that time sprint had sent me a bill for {$1400.00} which was {$600.00} over what I owed. I called sprint numerous time to correct this and spoke to numerous representatives. Finally on XXXX/XXXX/15 it was corrected to what I truly owed which was {$730.00} but on the same day they sent It to collections. I never even received an adjusted statement to be given an opportunity to set up the correct payment. I called Sprint 6 times today and no one was willing to fix this problem. I have been totally railroaded by XXXX and the collection company. I had no problems paying what I owed but I wanted a correct statement. XXXX also never gave me credit for my original phone that I turned in so I am very XXXX off at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
XXXX works for Online Information Solutions about my {$300.00} some debt for XXXX XXXX. The only reason he has my information was because I called the debt recovery solutions company because I do want to pay my debt, when I can. I explained I want to buy a house, but paying all my debts at the price they are is something I ca n't do at the moment. I wanted to see if they would settle for a less amount. It turns out they would n't, but I said I would pay when I can. Instead of trusting that I will pay when I can, XXXX is constantly calling my phone leaving voicemail after voicemail. Today he called at XXXX, I explained AGAIN that I do n't have the money right now, I will pay when I can and to please stop calling it is harrassing. He told me he is allowed to keep calling. I said it is against the law to harass me like this and he replied with " It does n't work like that we can keep calling '' ; implying that he is above the law and making me feel pressured to pay, or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I do not have knowledge of debt that is attempted to be collected. This does not belong to 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 2016-09-20 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: IA

Complaint narrative:
Cavalry SPV I , LLC ( serviced by Cavalry Portfolio Service ) purchased a debt that originated with XXXX South Dakota. XXXX South Dakota was merged with XXXX XXXX as of XXXX/XXXX/XXXX - coincidently the same time period that the debt shows as being charged off ( XX/XX/XXXX ). My XXXX report dated XX/XX/XXXX shows the account being reported with Cavalry will fall off on XX/XX/XXXX and XXXX it shows it will be on my report until XX/XX/XXXX. This debt had a 1st delinquency date XX/XX/XXXX, with a charge off date with XXXX South Dakota much earlier than when reported by XXXX XXXX. I disagreed with the balance that Cavalry is reporting, in addition to the dates provided on the reports. I have disputed this debt with all three credit bureaus - XXXX, XXXX and XXXX, not once but twice, with the credit bureaus responding that the debt has been researched and no changes to the report. Then on XX/XX/XXXX, a new merged credit report was pulled showing all three credit bureaus - the Cavalry debt is now reflecting a last delinquent date of XX/XX/XXXX, a last payment date of XX/XX/XXXX, and a last activity as of XX/XX/XXXX. This is completely different information that was being previously reported and/or what is reflected on their letter they provided to me. It appears that they are trying to re-set the date - or at the very most change the time period of how long it will continue to be reported on my credit bureaus. I have attached copies of all documents mentioned in this complaint. I would like Cavalry to report correct information to all XXXX credit bureaus, or remove the debt from immediately from all XXXX reports. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I recently pulled my credit report and this company has reported that I owe them a debt. I never received a letter from them informing me that I owe the debt. I have never gave this company permission to access my medical records. I was not afforded my rights under the FDCPA section 809a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
XXXX/XXXX/XXXX a bill was submitted to the HSA by Sun XXXX XXXX for {$140.00}. The insurance paid {$67.00}. On XXXX/XXXX/XXXX balance of {$81.00} was paid out of the HSA and check cleared on XXXX/XXXX/XXXX. Since then we have sent proof of these clearing to sun city imaging yet they still sent it to collections. We shared proof it was paid with collections yet they continue to dun us.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX has been contacting my family about a debt and threating legal action against my family about a payday loan through checkngo. Everything I have done says this is not a legitment company and they continue to call and threaten. They sent me a validation letter via my email but it does n't look valid. I am not sure what to do as they keep contacting my family members.

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: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I had a pending balance with the apartment complex that I was renting and it was taken to court, a judgment was given for certain amount. I am willing to pay that amount but the collection agency which owns that debt are trying to collect an amount that almost doubles the judgment given by the court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
I have just received a letter from " Merchants Credit Association '' regarding a bill that I apparently owe a medical institution in XXXX called " XXXX Hospital XXXX XXXX ''. 

I have certainly never stepped inside this medical center, let alone been anywhere the company they claim to represent ( I have been to XXXX once in my life ). This so-called collection agency has sent me a letter saying my " account '' is in arrears, yet I have obviously never had such a letter from any medical establishment. It 's all incredible vague and suspicious. 

A few weeks ago I started XXXX, and of course registered for XXXX LLC. I set my home address as the public domain address on file, and I assume these guys are trawling the Washington State XXXX database and looking for victims to extort money from. 

The letter is very vague, and I ca n't find out much about the collection agency, so I 'm not sure what the correct course of action is. I do *not* want to invoke correspondence from these guys, as many reviews online states that this is used to be able to ascertain your telephone number in order to constantly harass you. 

Again, having this absurd demand and have never even stepping foot inside this medical center, or even hearing about them makes me think that they are purely looking for victims using Washington 's online small business database. 

I include a copy of the letter I received. 

Many thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 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:
The amount is inaccurate! I never received a final account statement from the apartments that sent this to collections. No one can provide proof of charges or an explanation. I 've tried explaining to them there is a serious error but was told get an attorney! I work in the apartment industry & know for a fact the amount on my credit is NOT accurate and down right ridiculous!

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 non-monetary relief
Consumer complaint received 2017-02-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I have been fighting with Cavalry SPV I LLC regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collects where they buy a debt that has aged out 5-6 years and then re-report it on your credit report as of the date they purchase it. The problem is by law ( in most states ) the collection account is only valid on a personal credit report for a total of 7 years. When the collection company re-ages it, the consumers credit scores takes a significant drop ( in my case over XXXX points ) as the debt looks like it just went to collection. Secondly, they do this so they can have the debt on your credit report for an additional 7 years. This Company should be investigated for their practices not only in my case but in all the consumers they have affected. I have went thru the expense of hiring an attorney to assist in this as well but it seems to fall on deaf ears. The Company 's lawyer ( who I will list below for CFPB to contact ) claims her client knows nothing about the issue and refuses to address it. So here we are, hopefully the CFPB can address this promptly and all the consumers who have been violated under the law will take some form of satisfaction in seeing Cavalry SPV get what they have coming to them. {$1000.00} fine for each violation. The max allowable by law. 
Attorney for Cavalry : XXXX, XXXX. 
XXXX , XXXX 
XXXX, NJ Office : XXXX, XXXX, NJ XXXX Tel : XXXX Fax : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AL

Complaint narrative:
I noticed an old hospital bill on my credit report. I contacted the agency listed as the current creditor The Law offices of Mitchell Bluhm & Associates. The creditor had reaged the debt, which they claim was the original day they purchased the debt from the original creditor. Mitchell Bluhm & Associate refuses to amend the information on my credit report, and have caused harm to my credit score. I want the company to be penalized for unfairly impacting my credit report and score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
The debit collector has been calling at different hours of the day, at work, and calling my family members giving all my information out, and telling them i need a lawyer, they are making my family worried and it needs to stop! I do n't know how they got my family members numbers but it needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
We are in the process of trying to short-sell our home. The bank has just requested that I provide them with the following information : PROPERTY INFO : - Copy of MLS - Property Condition : Good/Average/Fair/Poor - Current Marketing Condition : Stable/Declining/Improving - Repairs Needed? : Yes/No ( if repairs are needed, need description of repairs ) - Property Photos : Front of Property, Rear of Property, Close up of Address , Street View Left , Street View Right MARKETING INFO : - Positive Comments regarding property - Negative Comments regarding property - Number of Showings from your office - Number of Showings from other office - Number of Offers Received - Reduced List Price? Yes/No - Suggested List Price - Any additional comments? 
- 3 Current Comps - 3 Recently Sold Comp - Marketing Trend : Improving/Static/Declining ( provide reasoning for trend selected ) - Problems marketing? 

I do n't feel that the bank has the authority to require that our agent disclose a marketing strategy, disclose all offers, provide feedback, etc. This is asking our agent to provide information we are not comfortable sharing, as our agent is not the bank 's agent, he is the sellers agent. The bank has implied, through the negotiating firm, that any short sale would be denied if this information is not provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attempted to close an account with Chase Bank in 2012. Apparently it did not close and I was charged roughly {$480.00} in fees. In between the time of closing my account and when the fees hit, I moved to a new address and unfortunately I did not know about the issue until recently when I tried opening account at another bank and was denied. I attempted to rectify this issue multiple times with Chase, but they stated they were " not collecting on the amount owed '' and that there was no way they could remove the account from XXXX. I ended up finding someone that would take the {$480.00} to pay off the debt, but unfortunately I am still on XXXX. I attempted to escalate the issue multiple times but it was not until I spent a considerable amount of time in a local branch that anyone even received the complaint. 

The fees I were charged should have never happened and I should not have to pay the amount I did. But since I did, they should do the right thing and remove this from my XXXX record as it is their fault for failing to close the account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc.
State: MD

Complaint narrative:
I have been contacted repeatedly a woman named XXXX or XXXX XXXX who leave the following message. 
XXXX '' I am contacting you regarding an urgent federal matter out of XXXX XXXX [ XXXX ] County. Our firm sent you notification in regards to filiing case XXXX. At this time a decision will be rendered on your behalf with or without your consent. " I have looked up the numbers, which are related to a company located at the following address. It goes by different names, depending upon who calls, but I believe it is the same outfit. 
XXXX XXXX XXXX XXXX, XXXX, IL XXXX : XXXX : XXXX : XXXX XXXX, PresidentThe statute of limitations has long expired on any debt I may have had in the past, and these people ignore requests to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I closed my bank account at PNC branch in XXXX and was told that there was a pending transaction left that I could not close my account. The following day XXXX XXXX 2015 I was told the transaction was reversed and the account was closed. On XXXX XXXX I received a letter dated XXXX XXXX stating that my account which was closed was overdrawn. I called PNC was on hold for over an hour and transferred XXXX XXXX different people saying that PNC had reopened the account for some unknown reason. I was told that I preauthorized the transaction which I did not, was told that it was a reoccurring charge which it was not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: WA

Complaint narrative:
calling and threatening me with court and coming to my house. This is the company : XXXX

Company response to consumer: Closed with explanation