vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BAM Financial, LLC
State: PA

Complaint narrative:
I have been receiving messages from XXXX ( XXXX? ) Associates out of XXXX. They have been threatening to " process serve me '' on a matter which he will not disclose. Will not tell me where the debt is from ( I Do not have any past due debts ). has been call me my place of employment, as uses addresses which only my place of employment know I would be ( I work with XXXX XXXX ). When asked to submit to me in writing what the bill is and who is asking to collect, he just yesll and states it is too late for that. 

Their number is XXXX. The guy who called me states his name was XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
This is a debt that is over 6 years and Cavalry Portfolio Services is attempting to collect. This debt is owed by an authorized user and not myself. They have been calling numerous of times on my cell work phone number. I 'm a XXXX and calls like this interrupt my type of work and also put me in danger when I 'm receiving unnecessary calls like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: CO

Complaint narrative:
I do not know what company to send my XXXX mortgage loan payment to. I have received a transfer of servicing notice from XXXX Mortgage indicating that my XXXX XXXX mortgage payment is due to XXXX and I have received a Loan Billing Statement from LenderLive indicating that my XXXX payment is due to LenderLive. I believe that XXXX companies have violated RESPA, FDCPA, and UDAAP subjecting them to civil money penalties and they have created such confusion that I have no idea where to send my mortgage payment which now puts me at risk that my payment will be late or not applied to my loan properly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to IQ Data to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 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: CA

Complaint narrative:
I have contacted Cavalry Portfolio numerous times and they have NOT provided validation for the debt they list on my credit report. They have only written me back and said that " no further collection efforts will be made unless and until validation is provided ''. HOWEVER, they are still reporting and verifying with the credit bureau that this is my debt. I have NO KNOWLEDGE of this debt. This is ridiculous that I have to file a complaint and write a dozen letters only to be ignored and my good credit destroyed by this evil debt buyer. Being ON my credit report IS DEBT COLLECTION! They claim a debt is mine and refuses to prove it. This is extortion!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
Check-n -Go XXXX XXXX XXXX say i owe them cash i dont the last ower had got paid and i feel this person is wrong for asking to repet it i dont understand wat was ask how it got paid was deit reflel program instant help by XXXX XXXX XXXX is unfair missing from my check on XXXX of month by way that is my rent hay a waivie plesae.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: CNG FINANCIAL CORPORATION
State: IN

Complaint narrative:
I told the employee of Checkngo that I wanted to pay off and take out the loan again. She took my money and said oh your on the cool off you have to wait 8days. I told her that was all of my money if I could n't take another loan why did n't I get to do the extended loan when you take the last loan and split it into 5 payments and she said I did n't ask. I spoke to the manager also and she said I should 've asked and they do n't know until the end of the process. I got the extension before and the employee looked at me like I should not have known about that. I feel the way they are acting like its a secret is because they are taught to not give this extension to customers by all means. I needed that extension because I 'm left with no money and I have XXXX kids to feed ; they need to be fined or something because the state of Indiana came up with them implementing this extension for a reason and they are trying to play on a customers responsibility saying they ca n't keep up with the numbers of loans and they do n't know until the end of a transaction. This happened Friday and they have n't contacted me yet and they really do n't have a resolution contact ; the manager and the other employees are friends so nothing will get resolved at that level. They just gave first names did n't want to give last names or employee numbers so I know they were trying to be slick. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 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: MA

Complaint narrative:
I co-signed for an extended family member to get an apartment for he and his XXXX small children. He did not pay the rent. He was evicted. The debt to the apartment complex was put in to collections with IQ Data Collection and I have been harassed by them for two years. Yesterday I contacted them to get payoff information and I was told they would settle for {$.00} on a dollar but would not remove it from my credit report, unless I paid them {$.00} on a dollar. That does not seem legal to me. That is blackmail or extortion. Help, I want to settle this debt and get my good credit back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 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: Eastern Account Systems of Connecticut, Inc.
State: PA

Complaint narrative:
Eastern Account System reported a debt from XXXX XXXX NJ Service on my XXXX account. XXXX had mistakenly sent the account to collections even though the equipment was returned. I resolved this with XXXX and they said it would be removed from my report. It was n't. I then repeatedly contacted Eastern Account System and was repeatedly treated rudely on hung up on. They have still refused to remove the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 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:
iQ data is not providing me enough info regarding what I owe, how much I owe, why do I owe etc. 
Everytime I call to require debt validation letter, my bill is going up XXXX dollars, and they are hanging up phone on meI am willing to pay every single penny. I just wan na see what I owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Turning Point Solutions LLC
State: ID

Complaint narrative:
Company called advanced capital solutions says i owe them and has said they would take me to court and have me arrest. But they still wont provide me in writing any validation. This has been going on for years now. It has started back up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ORG GC GP BUYER, LLC
State: MO

Complaint narrative:
My expense account was not paid from my organization. XXXX XXXX referred the account to GC services XXXX. At approximately XXXX XXXX XXXX called my cell and left a voicemail. At XXXX, my husband called and told me he spoke with XXXX XXXX and she disclosed that there was an outstanding debt. 
This is in direct violation of the FDCPA ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a pos tjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ORG GC GP BUYER, LLC
State: MA

Complaint narrative:
I always saw my son growing up with as a stellar career in the future. He was and still is very brilliant and unique. As a young child, he was very interested in XXXX, therefore ; when he graduated high school, he wanted to pursue to have a XXXX XXXX in the XXXX field. After 2 years of hard work and dedication, my son graduated from a promising XXXX XXXX XXXX in XXXX, MA ( Honors : XXXX ) with an XXXX XXXX in XXXX. I was very proud of him and mostly importantly happy that my son was fulfilling and living his dream. The school was highly expensive but My son and I were assured by the Financial Department, Career Advisors, Professors and The Dean of College ; my son would lend a profitable job and career soon after graduation. My son has always been curious for education, with my help, we took Federal Student Loans ( Parent Plus Loan ) to help pay for his " promising school '' tuition. After graduating with an XXXX XXXX in XXXX, my son realized moving to XXXX and continuing his education to receive a XXXX XXXX at a reputable XXXX XXXX was the next chapter. Since College Education is extremely expensive, we had no choice but to take additional Federal Loans to pay for my son 's school in XXXX. While in school, My son excelled in XXXX to be exact, to having a XXXX complimenting his unique sense of presence. We were very naive. We truly believed if my son gave his best ( which he did by being top of his class with a XXXX XXXX XXXX in XXXX ) after graduation from a recognizable and reputable school, he would lend a steady job. As a mom, there no other moment like seeing your son graduating from College. I was so very proud of him. After my son achieved his goal, we then realized Jobs in XXXX are very scarce and low paying. we took out massive loans only to realize I will be stuck in a " Debt Bubble '' for the rest of my life. A Parent Plus Loan makes me responsible for all the loans my son and I took during his college years. Unfortunately, my son has n't landed a job for more than 3 years after graduation. He truly had a hard time landing a job. As for me, I do not make enough to pay off his loans, therefore ; I am always harassed by Collection Companies. I have an issue with the federal loans my son and I took out but what i 'm frustrated with is that Collection Agencies raised the interest rates up to 400 % of the loan taken. I sometimes can believe my eyes when I look at my bills. The fact that I will never be able to make enough money to pay off my sons school federal loans is disheartening and depressing. Today, my son is working in a total different field from XXXX and unfortunately, his school degrees have never been useful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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: Daniels Norelli Scully & Cecere, P.C.
State: NY

Complaint narrative:
The offices of Daniels, Norelli, Scully & Cecere, P.C. mailed a letter to an address that I 've never resided in. Such address belongs to a friend. Therefore, my privacy was violated when they disclosed information regarding this particular debt to a third party. I 've never been associated with that address whatsoever. Even if my credit report was ran with permissible purpose, it would not display such address. I 'm not sure what means the debt collector used to obtain my friend 's address. I would surely hope that they did not run his credit report without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
In XXXX XXXX, my XXXX tax refund was offset by GC Services who has purchased my student loan account from the Dept. of Education.When I initially contacted GC services they ignored my request for any proof that I owed any money to them. 
I decided to take my dispute up with XXXX, who later advised me that the debt was valid w/o so much of proof provided. 
So I decided to take it a step further and request GC Services validate the debt sent certified mail on XXXX/XXXX/XXXX and which they received on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a letter from GC Services indicating that I received a loan from XXXX University. Since I never attended XXXX University, I requested a formal letter from the school indicating that I never attended and borrow any Title VI loans from there school. The notice and proff was sent again certified mail on XXXX/XXXX/XXXX and signed for on XXXX/XXXX/XXXX. 
It has been now 16 days and I see that GC Services not only has the amount listed on all XXXX credit bureaus as a derogatory account, but still has a balance owing of around {$3000.00} in which they just assigned back to the government for collection. I feel since they know they did not have the right to collect {$7200.00} on this account and I was seeking reimbursement, they decided to sale the account by taking my money and running.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC
State: OH

Complaint narrative:
Turing Point Solutions LLC has been calling daily, numerous times a day using Unknown and fake local phone numbers like, XXXX then leaving messages for a call back to XXXX. They have called my Mom, my Son and me on our cell phones repeatedly. 

XXXX XXXX, 2015 a TPS representative named XXXX called me and my mom XXXX times this morning. He called my mom 's cell XXXX times in row and then immediately called my cell phone XXXX times in a row. He is leaving messages to call referencing case XXXX, but the number of times this company is calling is abusive and today 's occurrence was clearly unacceptable. This is a form of harassment and bullying.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am asking the CFPB for help for which purpose it was created by XXXX to protect us from " Debt Collectors and THEIR ATTORNEYS '' ( Nationstart Mortgage LLC and " XXXX XXXX XXXX '', XXXX XXXX XXXX ), who have submitted fraudulent paperwork stating that these submitted papers are the factual basis by which they have STANDING and the right to collect. 
We are exercising our right in the DOT under the Borrower 's Covenant where it is stated. BORROWER WARRANTS AND WILL DEFEND GENERALLY TITLE TO THE PROPERTY AGAINST ALL CLAIMS AND DEMANDS, SUBJECT TO ANY ENCUMBRANCES OF RECORD. 
# 1 The Corporate Assignment BY MERS OF THE DOT dated XXXX XXXX, XXXX is a " COPY '' NOT RECORDED IN THE XXXX XXXX RECORDERS OFFICE # 2 The recording was requested by XXXX XXXX XXXX, a fabricator of fraudulent documents # XXXX The recording is to be mailed to Nationstar Mortgage LLC A-The fraudulent submission of this Corporate Assignment of the DOT dated XXXX XXXX by Nationstar Mortgage LLC and XXXX XXXX XXXX, XXXX XXXX, indicate that the parties have submitted evidence indicating that for Good and Valuable Consideration (??? ) that they are now the owner. Nationstar Mortgage LLC XXXXNationstar Mortgage LLC and XXXX XXXX XXXX, XXXX XXXX, with the submission of this evidence indicate that they are the owner of the DOT XXXX However, a subsequent official recording in the rightful XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, seems to indicate another Corporate Assignment by MERS this time to XXXX Bank XXXX This is over 8 years after the fact. 
Question ... ... .How many more Corporate Assignments can take place? 
If Nationstar Mortgage LLC, attorney XXXX XXXX, do state that this is the prove of their legal beneficial interest in this DOT and STANDING, they should not hesitate but sign an affidavit according to these facts. 
Are they the Holder in DUE COURSE, not just the Holder? 
Are they representing the Lender? 
Who is the Lender? 
Or are they representing the the beneficial party in interest? 
The reason the CFPB was created is to stop excessive abuse by debt collectors. 
Nothing will do until they will sign affidavits according to their rightful Standing or stop presenting fraudulent papers and commit fraud on the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I filed bankruptcy ( case XXXX ) XXXX California Courts in XXXX 2014 and it was discharged on XXXX 2014. I am currently and still receiving billing statements and letters to collect on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
I 'm very perplexed that after me fighting for my home i was granted an n house modification by nationstar mortgage but problem i have is that I 've never spoken with this loan specialist that was a singed to my file he only left me massages without explaining what i needed to do or what type of loan i was getting he just left a massage telling to sign and the money back with the documents so i hire an attorney to look over the document cause i did n't understand what the adjustable arm entailed which is my right i want my home i want to be treated fair i work everyday and can afford my home i just do n't want to be back in the same situation that i already in my attorney he sent the documents with last week please correct the problem so i can move forward and give me some who 's going to return my call as well as speak with when theres a problem i have a signed agreement i do n't want to deal with XXXX XXXX who want speak with me directly its always has been through massage and this is n't business when i need answers right then and there

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NH

Complaint narrative:
After falling on hard times I submitted an application in XXXX of 2014 for a HAMP mortgage modification to my mortgage holder, Nationstar Mortgage LLC. They lost my original application and I re submiited another XXXX in XXXX. The process has gone on now for XXXX a year consisting of Nationstar and my spoc XXXX XXXX consistantly losing track of just about every document that I have sent them. Each time documents were requested I send them multiple times via email and certified mail. All along the way when XXXX eventually received the requested documents he and Nationstar would then ask for yet more up to date documents. Eventually after close to a year and at great expense to me ( paying an accountant to put together documentation ) I was told my case was in underwriting finally late in XXXX. My original mortgage was aprox. {$2000.00} per month. My understanding was that the HAMP program would make my payments lower. It made sence to me since my income had dropped by more than 50 %. I was finally contacted via email by XXXX XXXX of Nationstar Mortgage that I was approved for a XXXX month trial period with payments of over {$3000.00} per month, more than 30 % HIGHER than my original payment. There was no way that we could afford this. I asked XXXX to look into this explaining that there must be some mistake. XXXX response was that it did not matter, I had to pay it anyway but I could send in a dispute. I explained that the reason we were applying for relief was for a " more affordable '' payment and not a larger payment. He did not care XXXX bit. I have still not received any response from XXXX or Nationstar in regards to my dispute. Instead however, I received a foreclosure notice in the mail. I have once again notified Nationstar of all of this via their internal messaging system and not yet herd from them at all. This has been going on now for over XXXX year now

Company response to consumer: Closed with explanation