vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
Flagstar Bank is reporting a 30 day late payment on my credit report that is not accurate. Currently, I am seeing 30 days past due as of XXXX 2013 which can not be true. I have disputed this account several times and see that they are in violation of the Fair Credit Reporting Act by not reporting the account as in dispute which entitles me to {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
The debt collector called me stating that I owed money for a Paypal account that I have. I paid the account off in XXXX but left the account open. The agency stated that there were charges on the account and described things that had been ordered and sent to my address. I immediately thought my identity had been stolen. Upon calling Paypal I found that the account had a XXXX balance and there had been no charges. I closed the account as a precaution, this all happened today, XXXX/XXXX/XXXX. The agency that called, once I advised that the purchases were not mine, stated that they would open a fraud case, they verified my address, phone and email. Paypal advised me that they were the frauds and they were aware of what was going on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XXXX XXXX, 2015, I attended a sales presentation by XXXX hotel and resorts in XXXX, FL. After a 5-6 hour sales presentation, after being promised the presentation would take no longer than 2 hours, they pressured us, like I 've never been pressured before ; we were worn down, exhaused and confused. They gave us reassurance that we could own a time share for approx {$50.00} per month, as they kept asking us what we could afford to pay. We told them that was our limit, in no uncertain terms. Shortly before they made the sale, they presented with me a pay pal line of credit card, in my name. I assumed I would have to give them my personal authorization to open up this line or any line of credit as I have had an extended fraud alert for the last 7 years through experian, transunion and equifax. To my chagrin and astonishment, they went ahead and opened up this pay pal line of credit, without ANY consideration of my ability to pay. It was apparently, I later surmised, opened on my credit score alone? I 'm not even certain about this. And conveniently, they paid THEIR Wyndam time share off with my pay pal line of credit I NEVER would have agreed to if I knew what was going on. They also make it next to impossible to read over the materials they present to you. The pay pay line of credit is what caught me off guard the most. I learned later that they tried to qualify me by opening an account with XXXX, which was denied. Also they tried to qualify my husband and he was denied to. WE do NOT have the ability to pay for this, feel that our consumer rights were violated in more ways than one, and we are in the process of returning the timeshare to XXXX, who make it clear that they will not offer us a penny in return. Still we want to be free of this organization forever. Please reconsider this debt we owe to paypal credit, as we feel is is not ours to repay as we were violated and I believe scammed. Thank you in advance for your attention to this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Inquiries from Paypal Credit was placed on my credit reports ( XXXX, XXXX and XXXX ) and it was not authorized by me. I believe this to be fraudulent and I wish this inquiry to be removed from all three credit reports. The dates of these unauthorized inquiries are as follows : XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX/XXXX/2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I never received information regarding a debt from Eastern Account System. I have no idea where this debt is from. I have excellent credit and funds available to pay this debt but they put it on my credit report just as I am applying for a refinance on my mortgage. Now I ca n't get them to remove it. AND I DONT EVEN KNOW WHAT IT IS FOR BECAUSE I NEVER RECEIVED NOTICE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 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: OR

Complaint narrative:
In response to my prior complaint IQ stated they would reduce the amount of my balance, which I continue to dispute, but they are still reporting the incorrect balance on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX.The account was removed however a collection agency placed themselves on my credit. 

I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 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: CO

Complaint narrative:
I have made several attempts to obtain documents validating this debt from US Collections West. This debt is not valid, & I am not responsible for charges. US Collections West is being uncooperative and unhelpful in getting this resolved. I 've also gone as far as to reach out to the owners of the XXXX that managed the complex this debt derived from and have not received any assistance from them either. I 'm being held hostage credit worthiness-wise by this invalid debt and this is hindering my ability to rent or purchase a home rendering me practically homeless yet no one will help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION
State: IN

Complaint narrative:
I keep getting calls threatening jail and calling my job about a pay day loan and my job said they do n't want anymore calls. My payday loan sold this account so I do n't know who these people are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I found these entries erroneously entered on my credit report. I disputed them will all XXXX credit bureaus and they were removed for lack of evidence to substantiate the debt. A few months later, they were back on my credit report and disputing it did not remove them. 

I believe this is from a security deposit that was paid through a third party vendor for my apartment at XXXX. If it was n't paid, I would not have been able to LIVE in the apartment I lived in. I know that the apartment was clean and did not have big cleaning needed to facilitate the use of any security deposit. 

First, I 've never received notification of an attempt to collect this debt. Second, there previously was n't enough information to substantiate the debt via all XXXX credit bureaus, so where did the proof come from? Even the apartment complex could n't provide me proof that any debt was owed. Lastly, I have never received any proof or communication from either the apartment complex or the third party collector attempting to collect this debt and negatively affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Despite requests for validation of the amount of the debt collector is trying to collect, the debt collector does not respond to my request for validation. Below the letter I have sent the debt collector : " In previous occasions I have requested a validation of the amounts you 're trying to collect, which are thee accounts amounting to {$380.00}. I do not recognize these accounts and I do n't have an account with your client. In accordance with the FDCPA, I am requesting a validation of the alleged debt as follows : Please provide a copy of the following documents : 1. A copy of the agreement with your client that authorizes you to collect this alleged debt. 
2. A copy of the agreement that bears my signature I allegedly promised to pay the original creditor the claimed amount. 
3. Complete payment history and equipment return credits for this account to prove that the amount you wish to collect is accurate. 
4. You license number issued by the North Carolina Department of Insurance that allows you to collect debts in this state. 

If you are unable to validate the amount claimed, with the information requested in items 1 to 4 above, or find out that the amount claimed is in error please proceed immediately to delete the account from your records. All information requested must be provided. Any information provided to the CRA must be deleted too. Failure to properly validate the debt will result in a complaint filed with the FCPB and, the NC Insurance Department and/or filing a lawsuit in Federal Court. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: NM

Complaint narrative:
First call from IQ Data International was XX/XX/<YYYY>. Regarding a XXXX dollar fee that was still owed to our prior apartment building that was n't forwarded to me. ( We were charged XXXX for a new blinds my 3 year bent security deposit was only XXXX ) I did n't answer the phone as I was at work. 
They then proceeded to call my husband also at work and finally a friend of ours who was listed as an emergency contact. First day of the collection and they extended it past our household. 
I called the number that had called me after work and I was told that about the debt and I mentioned that because of a larger then usual medical bill I would have to wait until XX/XX/XXXX when I got paid. They asked me if there was anyone in my family that could pay for it. If I could put it on a credit card because at the end of the month the fee would double. They kept me on the phone for 15 minutes trying to pressure me to find someone else to pay for it. To give them my account information ( routing and checking ) etc. I refused to and told them I would call back XXXX. 
They called again XXXX twice on my phone did n't leave a message either time, once on my husband 's phone and they called my friends who was our ICE. Again I made arrangements to make the payment on XXXX. 
Thursday they called me twice while at work and I answered the second time and had to go through the same process as the first day. Explaining the call would happen the next day. 
XXXX I got a call at XXXX exactly. Was driving so did n't answer. Husband called them at XXXX to pay. They encouraged him to pay with a routing and checking account number instead of his debit card. He said no and asked what their policy on phone call frequency and caller laughed. Husband paid and he had to ask twice for a confirmation number. 

We never got a letter from them. First call was XXXX and the frequency would make one think we had moved out of the apartment a year ago not 2 months ago. I 'm lucky I could pay today but I hate to think what someone who could n't would have to put up with. I asked them XXXX to not call until XXXX and was assured it would happen. Harassing bullies.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
Got a call from XXXX threatening me about a payday loan from Check n Go. They said I need to turn myself in to the police. My bail is {$25000.00}. I need help, I 've never received any letters from the payday loan company or any summons. Needless to say I live in Missouri and I get a call from an out of state number about this matter. Also, this XXXX number had the sheriff 's office call me. And said that if I 'm pulled over I will be arredted for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Certified Recovery Systems, Inc.
State: TX

Complaint narrative:
I sent them a letter on XXXX XXXX, 2015 asking for validation of the debt per The Fair Debt Collection Practices Act. 
I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
Insurance company supposed to pay for this account. At that time I had full insurance coverage but hospital did n't request bill to the insurance company. 
After my termination of insurance coverage they were trying to collect from insurance company of course they wo n't pay the bill. 
After that I was working with hospital representative to make payment options some other representative moved to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 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: CA

Complaint narrative:
On XXXX/XXXX/2013 I received a 3 day pay or quit notice by mail from my apartment complex. I moved out on XXXX/XXXX/2013. The apartment complex never furnished me with receipts to cover the costs of the alleged debts I owed them resulting from damage and cleaning. Especially not within 21 days of my surrender of the unit. The apartment complex alleges that I owe them for unpaid rent and damages to the dwelling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent a cease and desist to all phone numbers in writing to Check N Go. It was received XXXX/XXXX/16. Today, I received XXXX calls to my work number ( but none to my cell ). I called and I was informed that the cease and desist went to their customer service but they were the collection dept ( still with check n go ) and they do n't have it. I informed them they are the same company so my cease and desist would apply to ever dept. She continued to try collection efforts and then stated she would transfer me to a supervisor. I could n't continue to hold and I terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Viking Client Services
State: SC

Complaint narrative:
I was contacted by my employer XXXX/XXXX/15 who informed me that XXXX XXXX of Viking Client Services, XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX Case XXXX had contacted them regarding a debt I allegedly owed regarding a rental car that I had been involved in an accident totaling the vehicle. It was a personal rental non-business related. They were trying to collect the debt thru or from my employer. I believe that XXXX had contacted my employer as well seeking payment of the debt and informed them of the debt and my damage to the vehicle. 
I do not believe either party should have contacted my employer and endangering my employment status. The rental was in no way business related and I have only recieved XXXX letter from this collection agency which I am in the midst of responding to but their very disturbing actions have precipitated this request for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: NJ

Complaint narrative:
I pay my mortgage on time. Although the payments are taken out of my checking account immediately, they are not applied to my account for several days. 
On XXXX XXXX, 2015 I received a notice that my mortgage was over XXXX days late. I also had a late fee attached to my XX/XX/XXXX payment. I contacted the company ( LenderLive ) and was told that the money I paid online for my XX/XX/XXXX mortgage payment was applied to a fee that LenderLive was supposed to tell me in XX/XX/XXXX that they believed I owed. I do not owe any fees to LenderLive. I refinance my mortgage with XXXX, fully paid XXXX, and they sold the mortgage to LenderLive. I received a letter from LenderLive in XX/XX/XXXX that my account was in good standing, I pay on time, and yet I suddenly owe over {$1000.00} and not only was the representative unable to tell me exactly what it was for, they reported me as delinquent to the credit reporting agency!!! I now have a credit score dropped by XXXX points because of money I do not owe. I did NOT authorize LenderLive to apply my mortgage payment to whatever it is they applied it to, I do not owe anyone money, I should not have had a late fee applied, and where is the $ XXXX dollars that were not applied?? I paid $ XXXX and they used $ XXXX for unauthorized purposes, did not credit me the remainder AND fraudulently reported me to the credit bureaus!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Citi Management Group, LLC
State: MO

Complaint narrative:
citi management group has called my phone XXXX times the last XXXX days. I answered the call today, and attempted to give them my bankruptcy info which they told me I have a fraud case pending against my ss number. I quickly hung up, they have called me back XXXX times since then.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: SD

Complaint narrative:
I have just checked my credit score on XXXX ( as I do every month. ) I just saw tonight that there is a total of XXXX open debt collections from a " LAW OFFICES OF MITCHELL '' with no further information ... I have tried to call them and the phone number will only put me through to someone if I have an account number. I have looked them up online and all I can find is that they are n't a reall law office and they are n't to be trusted ... I should n't have anything on my credit and I have never heard of this law office. I am not sure who to contact or why it is on my credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Several accounts were opened using my information in the past as an act of fraud. This fraud was likely committed by an ex significant other who managed our finances - though I do not know who for certain. I believe an ex significant other treated my credit as an extension of theirs - managing the credit until the relationship ended. Once it ended, many cards were suddenly opened, immediately maxed and all of the existing accounts stopped receiving payments. 

I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this. I do not know of the accounts in their office. XXXX only provided verification ( after XXXX requests in writing ) once a XXXX complaint was filed. As verification statement photocopies were provided to me but the activity on the account and statements I do not recognize. 

These accounts were listed on a notarized Federal Trade Commission Identity Theft Complaint and Affidavit. Despite this, Cavalry continues to report inaccurate data on my credit report using it as leverage in a sick attempt to force payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Citi Management Group, LLC
State: TX

Complaint narrative:
I have repeatedly received phone calls on a loan I already paid off YEARS ago. The same harassing phone calls from different companies every few months. I ca n't get them to stop either changing their company name or selling a false debt to someone else. PLEASE help.

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