vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX. I received a phone call from Midland Credit regarding an old debt from XXXX. I explained to the representative that I had recently lost my job due to the impact of COVID-19 and was unable to pay anything today, but would like a letter sent to my mailing address and I can look into the debt at that time. The representative became aggravated that I was unable to complete any sort of arrangement or payment today and began threatening me that they will take me to court and I could have my property seized, my checks garnished, and my bank account taken if I did not set something up. I actually believe that this debt may be beyond the statue of limitations, or very close to it since it was from so long ago. I asked the representative to give me the last day that I  made a payment and he stated XXXX, but I dont remember making any sort of payment at that time. I asked to speak with a manager, he stated that his manager was on another call and unable to speak with me. He continued asking what he said that made me upset, and I repeatedly told him that I no longer want to speak with him and would like to speak with a manager instead. After telling me that any manager was not available, he declined to have a manager give me a call back and proceeded to tell me that he is putting in a recommendation to have me taken me court for not making any sort of payment or arrangement with him and ended the phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Troy Capital, LLC
State: TX

Complaint narrative:
Today XX/XX/2020 some company names Troy Capital , LLC, attorney XXXX XXXX XXXX XXXX, froze my bank account for some kind of debit that I don't know about.. Then they filed a lawsuit against us to which we knew nothing about. I tired calling the attorneys office and they cant give me any information about the case : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
We started a refinancing process with U.S BANK in XXXX of this year, we are in XXXX and they have not given me a definitive answer. On XX/XX/XXXX we paid {$390.00} for the application fee. The closing date was XX/XX/XXXX, later they told me it was XX/XX/XXXX, then it was XX/XX/XXXX and finally is XXXX and we don't have an answer. During this time I got better rate for the home insurance but I could get because they never made the closing. As time has passed, they asked me again for information that I had already given ( pay stub, bank statements ) and  additionally they ran my credit again, they have run my credit report twice. Now they are asking me about the new requirement and when I applied I met all the requirements. We lost money and time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
HI XXXX 'XXXX  / CREDIT BUREAU ; I'm not quite sure what's going on with your company but for some reason, there is something going on because i haven't received any responses for like 60-90 days since the pandemic. Every month i question the validity of this account. There is no way that this account was indeed verified - it's unverifiable and incomplete!!!! Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
HI XXXX 'XXXX  / CREDIT BUREAU ; I'm not quite sure what's going on with your company but for some reason, there is something going on because i haven't received any responses for like 60-90 days since the pandemic. Every month i question the validity of this account. There is no way that this account was indeed verified - it's unverifiable and incomplete!!!! Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
HI XXXX 'XXXX  / CREDIT BUREAU ; I'm not quite sure what's going on with your company but for some reason, there is something going on because i haven't received any responses for like 60-90 days since the pandemic. Every month i question the validity of this account. There is no way that this account was indeed verified - it's unverifiable and incomplete!!!! Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
on XX/XX/2020, I made an payment by phone for {$130.00} to be taken out of checking account. For Capital One Credit Card. Next statement I was shocked, Capital One took out {$4700.00}, on XXXX XXXX that was taken out of the checking account. Started calling Capital One on XXXX to dispute this transaction as unauthorized. XXXX called two times, XX/XX/XXXX called and XX/XX/XXXX called 6 times. XXXX called 2 times. sometimes Capital One rep would hang up on me. On XX/XX/2020 my bank sent a letter demanded Capital One return the funds. I received back an unsigned form letter, that states they will not return the funds. The bank has showed a 2 year track record of making {$130.00} payments. I have asked, then demanded that Capital One provide me and the bank with the audio recorded transaction. Capital One will not provide us that copy. 
On XXXX XXXX Capital One rep, XXXX personal ID # XXXX told me she had authorization to return the funds. When I called back and asked for her, because funds where not returned to the bank, no one could find this person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
Good evening, and how are you? This is going on for almost 90 days and i haven't received any responses from my previous disputes about this Credit Acceptance. This account was actually deleted or removed from XXXX  and XXXX due to several violations on reporting but XXXX  continues to ignore my request for deletion. It's illegally re-aging my account because it's reporting incomplete, unverifiable, and inaccurate information. There is no way that this could've been verified or looked into. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of
consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV IS A DEBT BUYER THAT HAS DAMAGED MY CREDIT WORTHINESS THROUGH IMPERMISSIBLE PULLS BASED ON THE ASSUMPTION THAT THEY ARE CREDITORS AND ARE NOT. IN VIOLATION OF THE FCRA AND FDCPA THEY ARE USING FRAUDS AND SWINDLES THROUGH IDENTITY THEFT AND CONSUMER FRAUD TO ENRICH THEMSELVES UNJUSTLY AT MY EXPENSE. I ASKED THEM TO SHOW THE VALIDITY OF THEIR CLAIM AND THEY HAVE REFUSED TO DO SO AND SO ARE PERSISTENT IN THEIR FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: IA

Complaint narrative:
This Company Money Lion is claiming they loan me XXXX. I have never received any monies from this company. I have requested a written sign contract along with my ID and the copy of the check that was sent and cashed. I have not heard from this company since items was requested. I have spoken to my attorney and they agreed i have a case if they do not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, XXXX  has refuse remove fraudulent accounts and inquiries this is the 3 time writing complaint and my 12 time calling equifax please help me This are accounts Are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
I pulled my credit reports and I'm showing two missed payments on my credit from Discover SL. I am still in school and am not due for repayment right now. I've spoken with them numerous of times and they promised to update and remove those missed payments and they have yet to do so. I am frustrated at this point and have no idea who else to help me besides filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Currently have an active chapter XXXX bankruptcy and navy federal credit union first revoke my credit card also removed my overdraft protection and now I can add my spouse into the checking account the other I does not really matter but i want to add my.spouse into my checking account that's i want and navy federal credit union does not allow me to according to them its there XXXX  policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect
State: TX

Complaint narrative:
Americollect inc I have received corespondents in the mail pretending to be an attorney if I did not pay the debt for a medical bill that's not mind. This company is using unlawful tactics, reporting inaccurate information on my credit report, violating the hippa act, providing medical information to third party credit reporting agency, XXXX, XXXX, XXXX, this inaccurate information has effected me in getting declined for credit card, employment, unable to purchase a home, rent apartment, this company has caused me stress, I have contacted this company through dispute letters, I informed the company not to contact on my work phone and my cell phone, but they continued to treated me .Also I never gave permission to the original creditor XXXX  XXXX XXXX XXXX to release any information concerning me to a third party, I never signed a hippa act release for to  realise my medical information, which this company is in violation of the hippa act, also both parties are violating the Fair credit reporting act they are intentionally ruining my credit with inaccurate information on my credit report I'm reporting to three credit bureaus XXXX  XXXX and XXXX  and I have put in dispute with this company regarding collection and they continue to violate my rights and use unlawful tactics by contacting me at work, on my cell phone, pretending to be an attorney. that if I did not pay they would seek for the action against me. I would like to resolve this issue by having this collections amounts of {$210.00}, {$280.00}, and {$280.00}, and {$310.00} to be removed from my credit immediately. This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
Notice for Proof of Claim Account : Sequium Asset Solution account XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I applied for a Cash out refinance Conventional Loan XXXX of XXXX. XXXX of XXXX I received a call from XXXX XXXX, loan originator say my credit score approved me for the Cash out refinance loan. XXXX of XXXX I received the official approval. XXXX of XXXX I received a denial of the loan. I've been a customer with PPH Mortgage for over 15 years never was late or missed a payment. I received multiple calls from the loan originator telling me the loan was in good standing. The money was for repairs of my home I've been living there since XXXX. I have all of application documents. PPH tied my personal credit for 4 months. I did not apply for any loans due to I didn't want any complications regarding my loan.

Company response to consumer: Closed with explanation