vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Stark Collection Agency, Inc.
State: WI

Complaint narrative:
I received a call and all they would state is they had a personal matter for XXXX XXXX They asked if my birthdate was in XXXX. They did not state who they were and would not answer that and wanted me to finish my full date of birth if I was XXXX XXXX When I refused as I stated I had no clue who they were and don't feel comfortable giving my personal information out, the caller ( female ) got extremely rude to me. And in a yelling tone kept harassing me as to if I'm XXXX XXXX and what is my full date of birth. She then asked where I lived. I said I'm not answering that either. She asked if I ever lived at a former address she noted. I said until you tell me who you are, I'm not answering any of your questions. She would not state who she was ( what company she worked for ).  She got extremely rude at that point, raising her voice and ridiculed me, continued to harrass me for personal information. She has since called again and continues with her rude tone asking for my full date of birth. 
I called to complain and the person that answered stood behind their employee and did nothing. They are now harassing me via email. 
She is from the Stark Collection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
Do you have a contract proving that these accounts held me contractually liable to pay to your company? Please provide any contract that you have. This is in violation of my consumer rights and the FDCPA/Federal Rules of Civil Procedures. This is also in violation of HIPAA law to report. Please consider this final notice and remove any entries on my credit. I have no knowledge of have any contractual obligations to you or your company.

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 2020-08-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

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 2020-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to  investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently ( See attached Police Report ). I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28 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: Midwest Recovery Systems
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: The CMI Group, Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
On XXXX XXXX Cavalry Portfolio Services add a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and Im no longer responsible for the account Cavalry Portfolio Services did not verify this collection. Also there was no written form of communication, contact or signature for this accused debt at all. a bill without signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Cavalry Portfolio Services has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I sent this debt collector asking to verify this debt. 
They did not include a copy of the medical documents I requested. Instead they sent me another letter stating I owe the amount.

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 2020-08-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc.
State: MD

Complaint narrative:
I submitted a form on XX/XX/2020 outlining my attempts to obtain a {$280.00} for expired Payments to Cash App. I received a call from Cash App. The message said call us concerning your refund. The Cash App person that I spoke with has me input a series of numbers " for verification. '' I stupidly followed his guidance provided him all of my personal information and input a series of numbers. he instructed me to hit pay. I questioned this action and was told it was necessary for " the server '' and to " trust him, no payments '' would be processed and I would receive my refund within 45 min.WHEN ACTUALLY ANOTHER {$900.00}. was processed through mt bank via Cash App to various people that I had no intention or awareness of paying. HOW can they be allowed to lie, steal and cheat.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Premier Auto Credit
State: CA

Complaint narrative:
Premier auto credit has abused my rights and violated 15 USC 1692 under FDCPA They are in violation of 15 usc 1692b ( 5 ), 15 usc 1692f ( 8 ), 15 usc 1692c ( a ), 15 usc 1692e ( 2 ) ( A ), 15 usc 1692b ( 2 ), 15 usc 1692f ( 1 ), 15 usc 1692e ( 11, 15 usc 1692e ( 14 ), 15 usc 1692d ( 5 ), 15 usc 1692c ( a ) ( 1 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
I have a company that is trying to collect a debt that does not belong to me. 
I have repeatedly disputed this $ XXXXcollection with the collection agency TEK Collect ( based in Ohio ) and it was removed off one bureau but they refuse to remove the others. I have talkEd to the office manager XXXX at XXXX XXXX XXXX ( original creditor ) and they confirmed the existing financial agreement is not mine but they will still not remove. When I call TEK Collect to discuss my account they cant find it because its all someone elses number, name, etc Collection agency - TEK Collect XXXX XXXX XXXX ext XXXX Original Creditor - XXXX XXXX XXXX XXXX ( office manager ) XXXX I really need some help with this as soon as possible. We are trying to close on our new house in a few weeks.

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 2020-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently ( See attached Police Report ). I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I have a loan with OCWEN LOAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and OCWEN LOAN with no successful resolution. XX/XX/XXXX and XX/XX/XXXX reporting me late. There was definitely an error on their part. I was never 60 days late (XX/XX/XXXX-XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: CBC Companies, Inc.
State: CT

Complaint narrative:
The company XXXX XXXX called me trying to collected debt owe. I never spoke with anyone from this company before that call. A contract was never issue. Reaching out to XXXX XXXX lack reasoning. making there calls illegitimate and stocking behaving illegal. I clearly have no idea what they are talking about and still they keep reporting this negative account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: ID Analytics, Inc.
State: CT

Complaint narrative:
The company XXXX XXXX called me trying to collected debt owe. I never spoke with anyone from this company before that call. A contract was never issue. Reaching out to XXXX XXXX lack reasoning. making there calls illegitimate and stocking behaving illegal. I clearly have no idea what they are talking about and still they keep reporting this negative account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

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 2020-08-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
On XX/XX/20 I applied for a VA refi loan from LoanDepot and charged me {$490.00} for appraisal fee. Its been over 3 months and nothing has happened.i withdrew my application on XX/XX/20 and asked for a refund. They told me there is no refund. My receipt clearly states that if I withdraw my application I will get Refunded for the difference between the appraisal deposit and the amount of the value of the appraisal services performed and now they are saying no refund. I have the receipt proving my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I applied for a VCA IRRL refinance through my existing mortgage company ( Freedom Mortgage ) I started this process in XX/XX/2020. Originally everything went well and we closed on the refinance on XX/XX/2020. My new payment was not due until XX/XX/2020. Approximately 2 weeks later I received an email from XXXX XXXX ( Customer Advocate ) for Freedom Mortgage stating he would be handling my case going forward and would be contacting me to schedule a closing date. I was confused as I had already closed and did not need to schedule another closing. I was then informed that the funding of the loan had not gone through and that I would need to redo the refinance in order to complete the process. Then weeks passed an I never heard anything from him on the status of this VA IRRL. I eventually told him to stop moving forward with the process as it is my intention to take my business elsewhere.

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 2020-08-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

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 2020-08-28 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: Conn's, Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation