vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cash Security, Inc.
State: OK

Complaint narrative:
In XXXX I was contacted by the company in reference to a monthly payment. I informed them I couldn't pay the full amount due to having XXXX, but I could pay the majority. The rep said that would be fine and she would contact me in XXXX to set up new payment arrangements. In XXXX I was contacted by another representative asking about payment. I attempted to remit the payment by phone, but was told it could not be accepted. A week later, I received another call and spoke with a different representative who advised me {$50.00} was not good enough, and he needed the full amount owed on the account. I advised him I could only pay {$50.00} right now, and he declined to take the payment, again stating he needed the full account balance, and until I paid that he would continue calling and take other measures up to and including court. Since then, they have called nearly everyday and have been given the same information with the same response. They are also calling my friends and family saying my phone is disconnected and they are seeking me to sue for the remaining balance. Today, XX/XX/XXXX I received a call from the regional supervisor. I advised her of the previous conversation, and she said there were no notes and the account notes reflected they had not heard from me since XXXX. This is a false statement since I have been paying monthly throughout XXXX. I informed her of the refused payments, in which she stated there were no notes. She consistently talked over me, not allowing me to speak saying, " If you had paid the full amount, we wouldn't be calling. '' She asked me twice to stop cursing at her, and not once had I used any foul language. She then said she was hanging up on me, due to my language and again, not one time had I used foul language. In fact, I was hardly allowed to speak without her speaking over me. In the past, this company has been harassing in nature to the point of having to file a formal complaint with the local court, due to an employee threatening to have me thrown in jail and my kids put into fostercare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/ 2018, The Magistrate Court for XXXX County in the State of Georgia dismissed the lawsuit from Midland Funding in the amount of {$1600.00}. Midland Funding continues to report this account on my XXXX and XXXX credit report although the case was dismissed in court. I have contacted Midland Funding by writing and phone and there has been no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Collection Systems, Inc.
State: MO

Complaint narrative:
NATIONAL CREDIT MANAGEMENT has placed an additional report on my credit when it was previously made clear we would be working with the XXXX University XXXX XXXX XXXX on resolving this matter directly. 

Please check reference to Consumer Complaint No. XXXX Details with Missouri Attorney General Sent email to XXXX XXXX to advise of concern about account and attempts to find resolution again, given the circumstances, as of XX/XX/2019 Will not be paying two separate debt collection efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: MRS BPO, LLC
State: MD

Complaint narrative:
During a credit report check on XX/XX/XXXX for the purpose of purchasing a new home, this account was shown as a collection account for an energy company I used in my last home. I moved from that home, out of state in XXXX of XXXX. The home remained vacant until XX/XX/XXXX. I did not receive any communication from XXXX XXXX XXXX XXXX or MRSBPO at any time to my new address. Once I became aware of this collections account, I immediately contacted them and paid the balance in full. I did not dispute the validity of the debt since I was familiar with the company. I do take full responsibility for this debt and the lateness of it. I did ask the company to delete this collections record from my credit report in good will. For this account of {$180.00} is what is standing between me owning a home and not. They refused to delete the account. Now, my excellent credit has dropped 100 points and I have a Public Record of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Zenith Financial Network Inc
State: CO

Complaint narrative:
The agency calls every day. Today I was able to answer the call. The representative XXXX explained who they were, what they were attempting to collect and asked me to verify the last four of my social. I did. I asked for proof or something in writing of what they were collecting. She stated that a letter was already sent out. I asked her to send it again as I never received anything. She asked for my address while I requested her to send it again. I asked her to stop talking over me and she hung up. I called back, explained I was disconnected and this time I was talking to a XXXX. XXXX again explained who they were and what they were attempting to collect. I explained that I wanted something in writing proving what they were collecting and who it was for. She said that she would let the consumer know I was disputing the collection. I told XXXX I was NOT disputing anything but simply wanted something in writing. She started yelling at me, telling me to pay my bills and to stop taking out loans that I can not afford to pay back. She repeated it over and over. I asked her to stop harassing me. She continued to repeat it. She said that she was going to put that I was disputing the claim even though those specific words never came from my mouth. She said she assumed that I wanted to dispute the claim and that she wasn't going to waste her time sending me anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Carvana Group, LLC
State: CA

Complaint narrative:
Carvana financed me a used XXXX XXXX XXXX, during the application process Carvana requested a XXXX dollar down payment. i Agreed and used a third party app called plaid that Carvana provided- This third party took my banking information and would process XXXX as an ACH on the day of delivery of the car. 

When the vehicle was delivered XX/XX/XXXX I signed the paperwork and was good to go. 2 weeks later I was called by XXXX XXXX she informed me that for some reason no one knows the ACH never happened, she wanted me to mail a money order overnight or Carvana with " unwind '' the loan and take back the car. i told her that was not possible due to a fraudulent occurrence with my bank account. She told me to bad and Carvana will be taking back the car- i have since called Carvana 5x to get the car picked up from my home and each time they tell me someone will call me to pick it up ... .but no one has! 

I'm about to make a first loan payment to a car i won't own ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX TODAYS DATE:XX/XX/XXXX IN RESPONSE TO CFPB : XXXX RE :  Request for reinvestigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXXational Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All BankXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Personal Loans Cos inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX

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 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian : Reporting : XXXX XXXX Acct A balance of {$1300.00} when the balance was Charged Off as of XX/XX/2016. The Balance should be 0 ( Zero ). This is a blatant violation. 

They are also reporting that there have been XXXX more charge off dates of XX/XX/XXXX and XX/XX/XXXX, since the account was closed back in XX/XX/2016 and is negatively impacting my credit score, making it appear that this is new information. The Charge off dates Reported seem to correspond with the dates that I sent in Disputes. This is totally inaccurate and misleading as well as re-aging the account inaccurately. 

I have also requested an Original Signature showing that I have a legally binding contractual obligation to XXXX XXXX. Which I have never received. 

Invalid Account # Listed I have disputed it in XX/XX/XXXX and again in XX/XX/XXXX and all they do is update the reported date and never fix the inaccurate and misleading information and causing my credit to look as if it's a brand new issue. The XXXX account was closed back in XX/XX/XXXX and not sure why XXXX is not reporting it correctly and they are refusing to send me any reason why. All of these items are a Violation to the Fair Credit Reporting Act.

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 2019-02-12 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: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
Amerassist AR Solution is reporting a collection/chargeoff for {$200.00} on my XXXX XXXX credit file. I have never had applied for credit or owe a balance to this company. I have disputed debt numerous times with a direct dispute and through the credit reporting agencies. This debt has been on my account for 2 years and 7 months. I have requested proof that I owe a debt and have not received any documentation of what I owe or why this item is reporting on my credit bureau. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I received a debt collection from FCO XXXX XXXX XXXX XXXX  XXXX, XXXX, MD XXXX # XXXX Acct # XXXX for XXXX  on the XXXX XXXX XXXX XXXX for {$170.00} I called XXXX credit bureau and they said, " This is wierd, they only have a name and address, nothing else!. They removed it from my credit report. I tried calling the company and spoke to XXXX ; it is for an apt . complex in XXXX florida ( XXXX XXXX XXXX ) .It occured on XX/XX/2015. Apparently someone tried to rent an apt using pieces of  my information. the fee is for application, administrative fee, and NSF.I asked for documentation from the apt . community ; what proof of ID, etc. Since I refuse to give them even my phone number ; I was to call them back a few days later. I then got XXXX XXXX ; he refused to look into the information unless I provided my soc. sec. # and b/d. I said no way XXXX! I explained they didn't have the real info when they attempted to put it on my credit report ; I asked what have you done to verify anything. 
I get real annoyed when someone gets sneaky with my information. I have never bounced a check, paid a bill late, and have excellent credit!

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 2019-02-12 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Hello, My name is XXXX XXXX, and I have tried numerous times for this fraudulent account to be removed off of my credit. I sent in packets with my police report asking for information in reference to this account and I haven't yet to received anything back. I have reached out the agency who stated I have there debt as well but I have not received any information back. This account is on my XXXX credit report and is stopping me from purchasing my home. Please help and assist in removing this fraud collection account on my credit report. 

Account Company : National Credit Systems Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: MI

Complaint narrative:
Date - XX/XX/XXXX and XX/XX/XXXX CMC Funding and XXXX XXXX XXXX are not really professional. They have hard time figuring out the correct amount of monthly payment. Customer service likes to argue but is not really good at what they are doing. 
The monthly escrow withheld amount is too high and over {$600.00} higher than it should be. Its cushion is 4 month and it is against the law. Its estimation is based on wrong tax rate assumption. Talked to XXXX and his supervisor of XXXX and they are not professional and refused to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Cavalry Portfolio Services LLC as assignee of Cavalry SPV I , LLC ; is attempting to collect a false debt and also falsely suing me for debt that is not mine ; that I never had ; as I have never owned or had a XXXX XXXX account that Calvary states they purchased from XXXX XXXX in XX/XX/XXXX in the amount of {$3700.00}. Calvary Portfolio Services claims I owe this debt and has attempted to collect the debt through bank levy. Court files show they have been pursuing me since XX/XX/XXXX and filed suit in XX/XX/XXXX without my knowledge and without ever contacting me. Cavalry and it's associates makes claims to proof of service by substituted service in XX/XX/XXXX at an address I no longer lived at. Cavalry has been attempting to collect and sue/take me to court ; all without my knowledge using an old address to pretend to contact me until XX/XX/XXXX in which I received notice from the county recorder of an involuntary lien recorded. On XX/XX/XXXX I called Cavalrys ' Collections Attorney ; XXXX XXXX XXXX to receive information and dispute debt. They stated I now owe {$7200.00} ; which is a misrepresentation and not what is stated in the lawsuit. I sent a dispute letter and request for validation of debt by certified mail to both Cavalry and XXXX  on XX/XX/XXXX in which they both received. XXXX XXXX XXXX sent me their first correspondence ever stating they were attempting to collect a debt. The amount stated over the phone and on paper are different. The information provided in their correspondence to me does not belong to me ; nor are there any documentation of proof showing that I had such account or that there is a debt owed by me. The file sent to me was incomplete, unverifiable, and inaccurate and the dates do not match up nor are there any signatures or valid information to link me to this false account. Calvary filed in XX/XX/XXXX an abstract of judgment against me which should be stopped immediately. I only know of this recent file by way of the county recorder. Calvary has been attempting to collect a false debt since XX/XX/XXXX. Cavalry obtained a default judgment in which I never knew about in XX/XX/XXXX by using a previous address so that I could not dispute or fight for my rights. A debt collector must serve you with notice of a lawsuit if it sues you. And if it gets a default judgment against you because it failed to serve you with notice of the lawsuit, it is prohibited from trying to collect on that judgment. Collectors are not able to collect phantom debts ; this is violating the Fair Debt Collection Practices Act. Saying I owe a nonexistent debt is in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
On XX/XX/2019, I spoke with the relationship manager from the Ocwen Mortgage and I was told that my loan/mortgage was placed into foreclosure. The representative said this action was taken because they said that I requested that the repayment program be stopped. This is not true, last week I spoke with another representative about my concern about the payments being unmanageable for me and asked if there was another step in the process where I could modify those payments. The current repayment program was 1500 more than what I normally pay per month, so I was looking for some relief. She said yes there is another step we can submit for you to review another payment option. She then stated she could complete the paperwork to appeal the repayment amount. I asked the representative could I continue to participate in the current repayment program while she works on the appeal and she stated yes I could. Then on XX/XX/2019, I received a call from Ocwen stating my account was now placed into foreclosure status. I was confused because I never authorized the discontinue of the repayment program. The repayment program started in XXXX and I paid 3,200 so why would I authorize them to discontinue the repayment program, if I began making payments on it. No one can seem to give me any answers and they are researching the matter, however, my home sits in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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 — Card was charged for something you did not purchase with the card
Company: Total Card, Inc.
State: ID

Complaint narrative:
I became in contact with th fraud Dept of TOTAL CARD VISA, becoming aware of various charges from a company named XXXX that I had never heard of. The rep told me that this company was well versed in fraud and the fraud dept deal with them often so I was not to worry. I needed to contact XXXX and ask for money, ( which I did and they all but laughed at me saying its your cc companies job we dont give money back to people. ), then I was to and fill out and return an affidavit to total visa so it could be fixed. Which was all completed ( by XX/XX/2018 ) before I had a few ( 3 ) month stintt in hospital. For whatever reason I found out today that the afadavit was not what total wanted and I needed to fill a new one out, and this new one was sent to me while I was in hospital in XXXX. I also emailed cc company I firming them of my status. When I called today asking why I was never given any credit or reversals for the fraud I was informed of new affidavit and that I could t do anything now bc 60 days had passed .... but I did it within week first time and they want new after I inform them of my situation and following deadline to make this tight passes while Im hospitalized? It almost feels like their is major collusion here especially whe. Everyone st the cc co knows this XXXX company is a huge scam artist of a company. All charges attempted by this XXXX company happened in the same day. Also I did not and have not used this Acct since bc they cancelled card and I was waiting to endure no more fraud remained. Company charged me {$38.00} late fees and an annual fee of {$48.00} even with knowledge of balance. What dequd related and after I made payments and stats intention to have cars frozen so it would not accrue charged and would give me chance to pay off. 

These are the transactions from XXXX. 
XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   ONLINE NY XXXX XX/XX/2018 XXXX ONLINE NY XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   XXXX

Company response to consumer: Closed with explanation