vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I sent a debt validation letter to Cavalry Portfolio Services multiple and no response. However this company is reporting negative information to my all XXXX credit bureaus monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Accounts Research, Inc.
State: TN

Complaint narrative:
I received a call from a XXXX XXXX who apparently works for Accounts Research out of XXXX, TN. He was attempting to collect a debt from a previous bank I used ( XXXX ). This was the most unprofessional and rude human being I have ever spoke with. He also claims he has attempted to call myselfand my fianc before, but we have no records of that ever happening. He also asked if I 'd received the letter about the debt and I said yes but before I could respond to tell him it was from the bank itself and not from a collection agency he was talking over me again making court threats and that he did n't care what my situation was. This company is not even BBB accredited and I do not like the fact that he has any of my information. This needs to be handled.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 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: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
This same item was with another collection firm which was a mistake now it is with another agency. I do not owe this and have disputed. Does n't a company have to validate an item?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTSTAR MORTGAGE CORPORATION
State: OR

Complaint narrative:
I closed on a home in XXXX of 2015 with a XXXX loan. The contractor was negligent and the original lender WesStar Mortgage ; now with XXXX. XXXX is refusing to honor the original bid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am in the process of purchasing a house for my family, and I see that I have two accounts in collection. They NEVER contacted me BEFORE passing this information on to my credit [ report ] they havent even sent me an account statement. I dont know what I owe this money for. Ive never even received telephone calls from them. 
I havent received any explanation about anything. They didnt give me any opportunity to verify the balances that they want to collect from 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 2016-01-09 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am receiving threatening phone calls from a XXXX Number, XXXX, stating that i owe money for a default pay day loan from XX/XX/XXXX. Check N Go is the company. The man, who has a bad XXXX accent, stated if i did not pay immediately i would be arrested and charged with XXXX different things. I asked for a verification of debt letter which is what Check N Go collections told me to do, he refused and got angry. Told me i had to pay at a XXXX XXXX store which i found odd. I asked why i have never received anything prior to this in almost 6 years and he said they sent me 2 letters but no one was there to receive it. Wouldnt they leave a note saying a certified letter was trying to be delivered? I have never received anything. I spoke with them on XX/XX/XXXX, when it started, on XX/XX/XXXX asking for the verification letter, which he said he would email and never did, and tried to call on XX/XX/XXXX and XX/XX/XXXX with no one answering. 
Check N Go stated i do have a debt but collection agency they sold it to is out of business so they cant help with who i actually owe. I will gladly pay any debt i have, but this guy and place seem like a scam. I dont want to give my money to someone who wont verify who they are. XXXX says their number is an IRS scam snd when i told him this, he got angry. I need to know what to do. 
I have the threatening email, screenshots of dates and times i called, and the email i sent in reply asking for more information. Which they never responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
On my credit report it shows that Cavalry Portfolio Svcs is a collection agency/attorney that purchased the credit card I had with XXXX XXXX XXXX. They state on the credit report that I made a payment on XX/XX/2014. I did not make a payment on XX/XX/2014. I believe they made the payment so that they could " reset '' the clock on this. I was behind in my mortgage and barely had enough to pay my current living expenses I most certainly would not have made a payment on a card that I would not be able to use. I want proof that I paid that. I know that I did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: GA

Complaint narrative:
US Collections West, INC. REPRESENTING THEIR CLIENT XXXX XXXX XXXX has sent me incomplete documentation of their claims. 
They have failed to provide the documentation that was sent to XXXX XXXX XXXX disputing their misrepresentation and bills. I am attaching that documentation. 

They have not provided my claims of misrepresenting the amount due and sent to collections. Attached is my email to their client disputing the withholding of my security deposit : 1. The Property Inspection Move IN Report. 

2. REPAIRS requested at Move - In 3. Handy Dandy Move Out Packet with names, addresses, amount paid providers by me in compliance of cleaning and all work done to insure my deposit was returned in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
Here is what happened with Guaranteed Rate was dissatisfying. Here are the reasons : 1. The main reason I went with Guaranteed Rate was due rate. I was offerred 3.375 % on XXXX ARM loan, where in I had signed the paper work. A week before closing, I m told from Guaranteed Rate that I need to have 12 months reserve! Guaranteed Rate personnel - XXXX XXXX ( VP ) & XXXX XXXX ( Guaranteed Rate ) very well knew my financial position & per them, they OVERLOOKED the reserves! How can someone be so careless? All they wanted was to BAIT me to go for 30-yr fixed at 4.125 %! 
2. After changing the loan program to 30-yr fixed, I was told I would get {$3000.00} as lender credit, which showed up in GFE on XXXX XXXX 2015 in Buyer 's statement. On the closing day, XXXX XXXX 2015, the credit vanished!! Upon asking, Guranteed Rate, came back saying they are not making any money & was taken off 3. From no where, on the day of closing, I was asked to show {$5000.00} as gift as Guaranteed rate " thought '' I was short by looking at previous statements & NOT the current statement

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rosen Management Services Inc.
State: AL

Complaint narrative:
I was contacted by XXXX XXXX. She stated I had a debt with XXXX XXXX XXXX, for a loan I took out online in XXXX. I told her I do n't remember taking out a loan during that time and asked her to mail me a copy of the paperwork. She stated she can email me but can not mail it because it force a wage garnishment against me. She emailed me the paperwork on XXXX/XXXX/XXXX and I pulled my credit report. This company is not on my credit report and I called XXXX today and made a dispute about this bill and she informed the bill has gone back to the original creditor. I told her I wanted the paperwork mailed to me and she claim she will. I do not owe this debt nor have I taken out a loan with company. Also, on the email link she sent me, another name was on the email, Rosen Management Services. I do n't know who they are either. It is scary how they received my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ORG GC GP BUYER, LLC
State: IL

Complaint narrative:
Contacted my former landlord about alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ORG GC GP BUYER, LLC
State: MI

Complaint narrative:
The debt creditor has NOT provided sufficient verification to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paul Michael Marketing Service
State: NY

Complaint narrative:
There was pathology performed as part of a XXXX in XXXX of 2015. Apparently XXXX XXXX XXXX rejected the claim from the provider and the amount was immediately sent for collections. 
I was not aware of the issue until I received the first collections letter. 
I contacted the collections agency, the insurance company and the provider. Eventually the provider straighten the reimbursement with the insurance company however I continued to receive notice after notice from the collection agency even after they were notified that the matter has been settled.

Company response to consumer: Closed
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
Last year Account Services started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With XXXX and XXXX I have n't been able, as they stated that ACcount Services needs to be the XXXX requesting such deletion ( which they said they would, and apparently, they did NOT! ). I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.

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 2016-12-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: United Collection Bureau, Inc.
State: MD

Complaint narrative:
I received ER services on XXXX/XXXX/16. I provided my Medicare and XXXX cards for billing purposes. The debt was in the amount of {$1000.00}, XXXX XXXX XXXX never processed a claim according to Medicare but rather sent the bill to XXXX XXXX XXXX. I have records showing my multiple attempts in getting this resolved with both the insurance groups, the medical center and the collection agency. The collection agency reported it on my credit report BEFORE I received their notice to that affect. As a result, I just lost out on being able to refinance my mortgage. Even though I have once again sent claims to both Medicare and XXXX, I paid the balance in full. My 40 yrs of excellent payment history substantiates the fact that I take care of my financial responsibilities. As both a veteran and XXXX federal employee of 30+ yrs, I find this treatment and failure to communicate by all entities involved is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 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: Daniels Norelli Scully & Cecere, P.C.
State: NY

Complaint narrative:
I have received at least XXXX phone calls from a company with the phone XXXX XXXX. The company said they are a non attorney office of lawyers. Each time they call I have asked for verification of the loan and have never received. This time they said there was an arrest warrant for my arrest or they were filing for it.I am sorry I do n't remember which XXXX as I have XXXX. It was threatening and as always I asked for verification as I felt the loan was paid. They also stated they showed that verification was asked for in XXXX of 2014 but they asked for it since it was just transferred to them. This was a lie as I have XXXX XXXX the number each time and it has been the same agency each call. I want the verification and the threatening to stop.

Company response to consumer: Closed
Consumer complaint received 2015-04-29 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: Bilateral Credit Corp, LLC
State: CA

Complaint narrative:
XXXX XXXX debt of {$2300.00} was paid a year and half ago with the agreement that it would removed in 30 days. XXXX personally called, we signed a legal agreement and took my payment of {$2300.00} payment over the phone. The agreement clearly stated they as a representative of Bilateral Credit Corp, LLC they would remove this debt from all XXXX credit bureaus in 30days. I have a called XXXX and XXXX more they XXXX times with no response. 

Every month when I pull my credit report it shows they debt has not been removed, that I still owe the full amount and they I am now 3 months late. 

This is my last attempt to escalate this before I take legally action.

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 monetary relief
Consumer complaint received 2016-06-25 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ORG GC GP BUYER, LLC
State: NJ

Complaint narrative:
I had a few accounts with XXXX XXXX that were taken out during my XXXX studies between XXXX I have a few issues, one being that my identity was stolen and an ex friend stole my personal information and cosigned a loan verbally/electronically and I do not feel I should have to pay that specific loan but when I spoke to XXXX XXXX about this. They stated that it 's more or less my problem. Recently I 've been getting calls on my phone from XXXX stating that they are seeking to get payment for my navient student loans. I did not answer initially not knowing it was them. Then Wednesday my manager says that I have a call ( I work at XXXX ). I answer and it 's the same company XXXX. I asked them " why would you ever call my job and basically risk my job '' and her response was " we were trying to reach you by cell and you did n't answer '' I stated I no longer want calls to my job because I received a verbal warning from my employer for receiving a personal call. Out of fear of embarrassment I did n't state it was a debt collector. I called back later that day and discussed some options with them. One being buying the debt out for a percentage of the debt. I inquired with her if this " would cover all my navient debt or not '' and she stated she did n't know. So I asked how could she not know being navient sold her this debt and again her response left much to be desired. The sum I owed was in excess of {$6800.00} with the settlement being {$2500.00} and when I stated I make {$110.00} a week she said " you can always ask friends or family ''. The conversation ended soon after that. Yesterday I called them and asked for verification of the debt in writing as I do not want to pay {$2500.00} and in a few weeks have someone else claim to now own this debt. She stated once I pay they will send me the paperwork that states the " debt is paid off '' and I said that I refused to pay until there is something more tangible for me to ensure for my records prior to handing them a check that this is legitimate. And her reply was " you ca n't get what you want, this is how it goes ''. Something along those lines. To which I hung up. I want to do this the right way and between calling my job and then not providing any notice that they actually own my debt and this will make this debt go away aside from a phone conversation. I feel I do not have to pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27 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: ORG GC GP BUYER, LLC
State: IL

Complaint narrative:
I closed my account with XXXX and in my conversation on the phone I asked if this was the last payment I owed. They responded yes and I promptly paid my last bill. XXXX then stated that I needed to send their equipment back to them or I would be charged. They wanted me to get on my roof to take off a part of the actual XXXX. I told them I was physically unable at the time to get on my roof. I promptly returned the rest of their equipment and I paid the shipping costs. A few weeks later XXXX contacted me and said they made an error in billing and that I stilled owed them {$100.00}. I told them my account was closed and to listen to the recorded conversation that I had with their last customer XXXX To this day they contend that I still owe them which I do not. I have contested this fact from the beginning and I REFUSE to pay this bill. Please help in getting this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Nationstar approved XXXX XXXX for a hamp 2 mod. Letter dated XXXX XXXX to begin XX/XX/XXXX. XXXX XXXX did not receive letter. I called attorney XXXX XXXX for copy. Got it XXXX XXXX. XXXX XXXX makes payments directly from her XXXX payroll. She had to instruct XXXX payroll of her new payment amount. This took 2 weeks for XXXX to process the new payment amount. Payment was to be {$630.00} XXXX payroll multiplied XXXX by XXXX then divided by XXXX to get the amount to be taken out every pay. Even though that amount would be less than the XXXX every month Nationstar actually got more than the XXXX every month for XXXX months. Nationstar received XXXX pays in XXXX. XXXX x from payroll datedXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$260.00} for a total of {$800.00}. Then payroll payments in XXXX XX/XX/XXXX & XX/XX/XXXX of {$290.00} totaling XXXX, At the end of XXXX Nation star received XXXX when all they needed was XXXX. Then payroll payments of XX/XX/XXXX & XX/XX/XXXX of XXXX totaling XXXX. So Nationstar did receive {$1900.00}, whereas they only needed XXXX by the end of XX/XX/XXXX. I do believe they met the HAMP trial plan payments, even though the payments were partial payments. The Permenters demonstrate the ability to make the payments and should therefore honor the trial plan payments and provide a permanent modification under hamp 2. Also there are checks made payable to Nationstar on XXXX checks from XX/XX/XXXX. XXXX needs a written authorization from Nationstar to void these checks and disburse money to XXXX XXXX This was requested on XX/XX/XXXX. Nationstar still has not provided that written authorization. Had XXXX XXXX received the written authorization she would have had the money to make the full payment herself instead of using the XXXX payroll to submit payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I WAS A VICTIM OF XXXX XX/XX/XXXX PRE DATORY LENDING, MY ORIGINAL LOAN FROM XXXX WAS TRANSFERED TO XXXX XXXX XXXX AND NOW NATIONSTAR MORTGAGE LOAN NUMBER XXXX ADDRESS XXXX TEXAS.TEL. NO. ( XXXX ) XXXX EXT XXXX XXXX XXXX XXXX IS SUPPOSE TO HELP ME, INSTEAD I GOT FORCLOSE AND SOLD MY HOME TRUSTEE SALE ON XX/XX/XXXX.IT SEEMS TO ME THAT PRESIDENT OBAMA 'S EXECUTIVE ORDER XXXX " ESTABLISHMENT OF THE FINANCIAL FRAUD ENFORCEMENT TASK FORCE ' WAS IGNORED BY NATIONSTAR EXPLICITLY ACKNOWLEDGE THE EXISTENCE OF SIGNIFICANT FINANCIAL CRIMES AND OTHER VIOLATIONS. IN XX/XX/XXXX.XXXX SETTLED BUT THIS IS NOT HAPPENING TO ME. 
NOW I AM FACING EVICTION BY THIS COMPANY XXXX XXXX XXXX XXXX. ADDRESS XXXX, CALIFORNIA XXXX TEL. NO ( XXXX ) XXXX, MANAGER NAME IS XXXX XXXX .I HAVE BEEN HARRASSED AND PERSON KEEP COMING TO THE HOUSE ASKING ME WHEN TO LEAVE. '' I NEED HELP '' ANOTHER AGENT NAME XXXX XXXX, FINDING SOLUTION CAME TEL. NO ( XXXX ) XXXX OR ( XXXX ) XXXX.I WAS REALLY SCARED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
I 'm in need of assistance with my mortgage company. They 've offered me XXXX assistance thus far. For the sake of my neighborhood, and community I have decided to list my property as a short sale in hopes of aoviding a forcelosure auction. Not only will the short sale be better for my credit but also, better for the local economy by not adding to the foreclosure count. I have spoent hours trying to work out a deal with my lwender but to no avail they will not help me. This ios my good faith attempt to sell my proiperty for as much as possible via a local real estate franchise ( XXXX ) and have got an offer for even more than I would have expected the property to be worth. Please help me avoid foreclosure and complete this short sale ASAP for my familiy and community.

Company response to consumer: Closed with explanation