vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Complaint is against US West Collections, XXXX XXXX XXXX, XXXX AZ, XXXXFirst, a judgment was obtained against my spouse, XX/XX/XXXX, which was paid in full via garnishment of her wages, and a release of judgment was obtained. However, upon my spouse filing Ch. XXXX Bankruptcy XX/XX/XXXX, the Trustee demanded that the monies be returned. 

XXXX XXXX and XXXX XXXX XXXX were included as creditors in my spouse 's Ch. XXXX Bankruptcy, and the total of those debts were discharged, including the full amount of {$7400.00} they claim is owed ( copy of discharge attached ). However, this debt was referred to US Collections West. 

US West Collections obtained a judgment against me, separately, after the above debts had been discharged through my spouse 's bankruptcy, and garnished my wages from XXXX, XXXX XXXX XXXX. This judgment was satisfied XX/XX/XXXX XXXX copy attached ). 

It has since come to my attention that US West Collections is improperly reporting this debt on my credit report. Furthermore, after consulting with my attorney, US West Collections may have illegally garnished my wages and committed a stay violation for the previously discharged community debt through my spouse 's Ch. XXXX Bankruptcy. It is illegal to attempt to collect a debt post-discharge, and as Arizona is a community property state, each spouse has a 100 % interest in the other spouse 's assets, including income. This is referred to as a " phantom discharge '', and can be found in the Federal Bankruptcy Codes XXXX XXXX XXXX and XXXX XXXX XXXX. In addition, the copy of the enclosed discharge also states that collection of discharged debts from community property are prohibited and the violator may be required to pay damages and attorney 's fees to the debtor. 

This has caused denial of credit and potentially denial of a mortgage for not only myself, but my spouse separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CT

Complaint narrative:
Plain and simple : Scottrade has enormous hidden fees and cost me over {$200.00}. 

I opened an account with Scottrade a while ago and the branch manager that assisted in the account opening pretty much swore that the only fees are the {$7.00} per trade. Well that could not be more false. The additional and hidden fees at Scottrade are enormous and Scottrade does charge more than {$7.00} per trade. 

What is most worrisome is that Scottrade could not explain each one of these fees for me and instead repeatedly asked me to call the national center for advice. The national center could not answer them either, only stated that they would get back to me within a week. 

Well, it has been a week and I have still not heard of any explanation to the fees and whether I will get any reimbursement to my account. My advice to others, do n't be a victim of this company and take your money elsewhere.

Company response to consumer: Closed
Consumer complaint received 2015-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
Because of a bedbug problem that they had. The agreement was we where to get out by XXXX XXXX 2014. We where out as agreed. The judgment was Vacated. WE lived in torture the whole time there. They voided there lease and we agreed to get out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: UT

Complaint narrative:
Im trying to fix my credit and this judgement t fron calvery portfolio shows up and the credit counseling company im working with has dine research and called calvary and they cant find nothing under my ssn. Also XXXX police served me a letter and had a warrent for my arrest and inpaid them {$300.00} to no get arrested and i webt to court told them it wasnt me and they told me they were going to investigate and i never heard back from them. I really need this off my credit as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I recently began getting my wages garnished by Calvary Portfolio Services who claimed that they had a jidgment against me for over XXXX. I was never served judgemnt papers or even a notification of the court filing or date. I also never was notified about the garnishment. The actual debt is not even on my credit report so Im not sure how they are collection money I do not owe. When I called the attorneys office they used they had an address in a different state to which I live.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Security Credit Services continues to report an illegally obtained/fraudulent account. 

The original account, XXXX, was paid in full and closed on XX/XX/2009. This account is currently reporting positively to all XXXX bureaus on my file. Security Credit XXXX, without any prior warning, opens a NEW collections account from this old paid and closed account- and begins reporting it as an open, past due collections account. 

FIRST, I do not owe this money. This account was settled and paid in full in 2009 directly with XXXX. 

SECOND, this account is LONG past the statute of limitations in TX ( 4 years ). It is absolutely 100 % illegal for them to continue to report this. I just purchased a new vehicle in the last month, and because this illegal debt collector has added this account to my report, i was not only DECLINED for credit, but it SEVERELY and ADVERSELY affected my interest rate. 

Now, I have incurred damages as a result of this fraudulent collections account and will need to refinance my new vehicle loan as a result, once this is deleted. 

I *will* be pursuing additional legal action after this complaint has been addressed with CFPB, if necessary.

Company response to consumer: Closed
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: CA

Complaint narrative:
My loan was transferred to LenderLive XX/XX/XXXX from XXXX XXXX loans just a month after I refinanced with XXXX. In my original HUD loan agreement with XXXX it is clearly stated that I wo n't be paying escrow for property taxes as I pay the county property taxes directly. In XX/XX/XXXX XXXX sent me a new escrow statement increasing my monthly payment to include additional/new property taxes escrow. Even though I have made every loan payment to XXXX since XX/XX/XXXX before their due date they are charging me late fees because I refuse to pay them escrow for property taxes ( not in my original contract ). I have spent countless hours by phone/email to have escrow removed, they claim to have removed the property tax escrow but I still get harassing letters saying I am behind on payments asking for late fees with credit score warnings.

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 2016-12-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
TOWER LOAN IS CALLING ME BACK TO BACK SEVERAL TIMES A DAY AND ALSO CALLING MY REFERENCES THE SAME, I HAVE TOLD THEM I WOULD PAY ON THE XXXX YET THEY STILL CALL SO MUCH IT IS HARRASMENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
Cavalry Portfolio Services LLC is reporting an account that was a charge off credit card from XXXX XXXX XXXX from XXXX on my credit reports. Under Louisiana civil code XXXX XXXX XXXX XXXX the statute of limitation of debt collection of an open account is 3 years old. On my XXXX Credit report it shows that Cavalry started reporting this account on XXXX/XXXX/XXXX, XXXX and XXXX XXXX show that they started reporting on XXXX/XXXX/XXXX, Cavalry was sent a letter on XXXX/XXXX/XXXX to validate this account and provide proof that they notified me in written XXXX to XXXX days before reporting this account to the credit reporting agencies as required under FCRA. Per phone conversation with with XXXX XXXX ( supervisor with Cavalry Portfolio Services ) they are servicing the account on behalf of Cavalry SPV 1 LLC who purchased the account on XXXX/XXXX/XXXX from XXXX XXXX XXXX. According to XXXX XXXX XXXX 's records provided by Cavalry Portfolio Services the account was charged off on XXXX/XXXX/XXXX making this account past the 3 year statute of limitations of debt collection under Louisiana XXXX XXXX XXXX XXXX XXXX ) for open accounts ( credit cards ). XXXX XXXX XXXX stated that they first started reporting this account to the credit reporting agencies on XXXX/XXXX/XXXX which is a violation because under FCRA since they are required to wait XXXX to XXXX days before reporting, which he said they purchased it on XXXX/XXXX/XXXX and reported on XXXX/XXXX/XXXX ( 48 days ). XXXX XXXX XXXX stated that they sent out the first notice on XXXX/XXXX/XXXX, the second on XXXX/XXXX/XXXX and that Another company they used called XXXX XXXX XXXX XXXX started servicing the account in XXXX. XXXX XXXX XXXX was asked to provide the Bond number showing that his company was licensed and bonded in Louisiana as a XXXX XXXX but could n't provide that information. XXXX XXXX XXXX was recording the conversation and was brought aware of the many FCRA violation his company had committed from reporting false information, reporting this account before the XXXX to XXXX days required, that they had to be bonded in Louisiana, not providing the information that was asked to validate this account and that once XXXX XXXX XXXX charged off the account they sent out a XXXX required under Federal Bankruptcy Laws and that once its filed on my tax returns it satisfy any amount owed under XXXX Sections XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I took out a loan with Tower Loans of XXXX la 17 months ago. I was told at the time, that I could repay the amount within 30 days for a {$200.00} - {$300.00} principal charged. I borrowed {$1200.00}. The manager at this establishment insured that I could repay within 30 days and it would not be added to my other personal loan balance. She sat with me and my husband with quick sign here comments. Less than a week later I went in to pay it off and I was told my payoff was {$3300.00}. When I asked about what I had originally been told, I was told that had been a false statement and how much will you be paying today. Feeling ashamed of myself for being fooled I have went in every month for the past 17 months and paid {$230.00} each time. Making my total paid in this time period {$3900.00}. I called for payoff this week and my balance is still {$2000.00}. Hearing this infuriates me. I have paid more than double the amount I was promised I could originally pay off. I spoke with XXXX the district supervisor and was made to feel like I 'm just trying to get out of paying my bill. I asked him some questions that he refused to answer. Like the APR and his cap % as well as how the principal is charged. He then took it upon himself to hang up on me. I feel this company SHOULD be looked into for unfair practices. I have basically paid almost {$4000.00} in PRINCIPAL. This should be illegal. Not to mention the tactics used to get me to sign a contract agreeing to this. I forgot to mention the harassing phone calls and overall BAD ATTITUDES of All their employees including the District Supervisor. The District Supervisor also told me, you 've been paying it for over a year, why is it an issue now. Well because I honestly believe I 'm being treated unfair and I honestly believe TOWER LOAN is breaking the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Debt was written off by original creditor in XXXX. This debt passed Texas statute of limitations in XXXX. This debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 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: FL

Complaint narrative:
XXXX apartments ( XXXX Florida ), which I rented from. All my payments were made on time. They are charging me this extra money, which I do n't know what it is for. I checked my credit report and it says that it was sent to a collection agency, however, I never received any notification of the debt to begin with. I do not owe them any money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21 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: CA

Complaint narrative:
I received a notification from Eastern Account System of Connecticut, INC dated XXXX/XXXX/16. The statement indicates a balance of {$77.00} due from the original vendor, XXXX XXXX XXXX. The notice reads : Your account has been placed with this office for collection. To avoid further collection activity, pay it in full. If you can not pay in full or have a problem, contact this office. 

On XXXX/XXXX/16 I contacted XXXX XXXX XXXX to inquire about a recent bill I received from them indicating a balance owed of {$21.00}. In my discussion with XXXX XXXX they verified my service was disconnected on XXXX/XXXX/16. I was being billed for unreturned equipment. This equipment was returned on XXXX/XXXX/16. The CSR from XXXX XXXX indicated that my account would be updated and a credit balance of {$55.00} would be returned to me. I then asked the CSR if this account had been submitted to Easter Account System of Connecticut and the CSR responded by saying no. 

I then attempted to call Eastern Account System of Connecticut on XXXX/XXXX/16 and the number listed ( XXXX ) only goes to voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
The account is over the Statutes of Limitations and I have a bad credit because of this account. It is with Cavalry Portfolio Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I had a credit card with XXXX. I paid it off in XX/XX/XXXX. Cavalry Portfolio is still showing this on my credit report. It has a date of XX/XX/XXXX. I have repeatedly asked them to correct, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Citi Management Group, LLC
State: FL

Complaint narrative:
this Company call me an also my job about a payday loan in 2010 f i own a loan why they calling me know. leaving me messeage on my phone Im tird of these call an my boss is fed up too. they saying they can take my wage take me to court an ect. they call me with a number then they call with an unkown number they keep saying they going to process the paper work they few day later they call again about send money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CNG FINANCIAL CORPORATION
State: MD

Complaint narrative:
A third party collection agency is calling my job on a debt that I paid in full in 2008 with another collection agency. This agency will not give me a name, number, or addrss to send them my paid in full letter. they are calling my place of employment and threating me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I totalled my vehicle in XXXX. After paying my deductible and confirming that I did indeed have gap insurance through the dealer from which I purchased my vehicle, the matter should have been settled. Now, six months later BMW financial is attempting to collect money from me in the amount of more than XXXX. They also ran my credit when I attempted to buy a replacement car. After the credit was ran they told me the vehicle for which my credit had been ran was no longer available putting an inquiry on my credit for no reason. The claim number is XXXX adjuster was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: STONEGATE MORTGAGE CORPORATION
State: VA

Complaint narrative:
We sent the email below to Stonegate XXXX/XXXX/15, followed up XXXX/XXXX/15 and never received a response from them. 

If you require any email correspondence proving any of our claims, we are happy to provide them. 


Hello, My wife and I reached out to Stonegate about refinancing our loan around mid XXXX ( the first email we have is from XXXX/XXXX/15 ). We agreed to terms and were told on or before XXXX/XXXX/15 that we would be closing mid XXXX. To be more specific, we were told XXXX/XXXX/15 that " Your appraisal just came in and your file has been forwarded to underwriting. '' Each and every time anything was requested of us, we responded with what was required immediately. After following up a number of times, being shifted around to different representatives, having additional documents requested of us, etc, we were told XXXX/XXXX/15 that " We got extremely busy over the last 5 months which has caused tremendous delays. '' Following that, we had to get another appraisal since it had been so long, send in additional documents, and we finally closed XXXX/XXXX/15. Nearly five months after we were told it would take place. 

During that time, we paid PMI on a loan that we would n't have if it had closed when we were told it would and also paid interest at a rate XXXX of a point higher than we should have been. 

After repeated attempts by Stonegate to renege on the terms we agreed to because it took them so long that the " market had moved '', we did, in fact, receive the loan at those terms. In addition, we were refunded the amount we paid for PMI as a result of Stonegate 's delays. However, we also need to be refunded for the additional interest that we should not have paid during that time period, as the delays were admittedly Stonegate 's fault. 

We will be awaiting your response. 

Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: J J Marshall & Associates, Inc
State: GA

Complaint narrative:
I am still waiting on JJ Marshall to send me proof of this debt ( a debt breakdown for the balance that they are stating that I owe ) and I need to see proof of my signature. I also would like JJ Marshall to send me proof that I am obligated to pay them for this debt that they are stating that I owe. To date, I have not received any of these items. I do not owe any money to JJ Marshall or any other company.

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