vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ASTORIA BANK
State: VA

Complaint narrative:
On certain potions of my mortgage someone changed numbers such as the interest rate and then forged my initials to make it look as though I saw it, aporoved it and signed off on the changes. I now have my original closing documents in hand showing that at closing those documents are conpletely different than those records filed with the clerk, XXXX XXXX in Va XXXX XXXX, and different from the records Astoria Bank provided to me via my request in response to their claim, which I disputed and they continue to ignore via their incomplete response to same and their insistance on foreclosing and sweeping facts under the rug.. I have retained an expert in this field, XXXX XXXX, who testified in federal, state and XXXX courts all over the country regarding the sane issues as mine and was lauded for her efforts in that her review and reports enabled lawyers all over the country to prove XXXX XXXX, known robosignature in that debacle was signed by XXXX different XXXX employees sitting in a room signing off on XXXX documents rendering them void after XXXX XXXX testimony and amicus brief. She also assisted in the take down of signature XXXX " Docx. '' My foreclosure sale is XXXX/XXXX/15. I have proven that the filing of the above mentioned closing documents, deed, and note was fraudulent at best and it will be perilous to anyone that proceeds to take my home as it will be a fraud on the court, the records clerk and to any potential buyer as their illegal acts in forging my initials, robosigning my documents and other acts of fraud place a huge cloud on the title, at the very least, as well as nullifying the recording of the note and the deed through fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: CA

Complaint narrative:
I have moved to another country in 2009, and confirmed XXXX 2009 is the last time I used the credit card, which is free of annual fee. I have confirmation that I settled the payment and I have not received any new statement/balance throughout the years. My old landlord has informed me that a debt collection company has mailed me with a debt of {$610.00} which I am certain is not mine. I do n't know if it was identity theft or not, I tried to contact them but could n't. they do n't have any of my numbers as I cancelled all my old phones already.

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 2016-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Rent Recover, LLC
State: MI

Complaint narrative:
A debt collector left a message pertaining to me, on my parents answering machine, whom do not live at my address, are not legally responsible for me, who do not have the same phone number as me, and who does not need to know my personal, private, business. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
I went to the emergency room XXXX XXXX XXXX XXXX XXXX in XXXX, NY on XXXX/XXXX/14. I keep getting notices and phone calls from a company called XXXX XXXX XXXX, XXXX telling me to pay a bill for {$400.00}. My explanation of benefits from XXXX XXXX shows member responsibility as {$0.00}. I sent the EOB to them XXXX and it has had not effect. They have now referred me to a collection agency called Professional Claims Bureau , Inc . I have attached all relevant documents. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Credit & Collection Corporation
State: CA

Complaint narrative:
Received calls trying to contact me regarding debt that I have been paying with XXXX XXXX. They called my work and harassed our operators. That 's not against the law. what is against the law is that they found my ex husband, called him on his cell phone and talked to him about my debt. I have been divorced for almost 5 years, and my ex husband had nothing to do with my debt. This is a clear violation of the law. Not only do they have the wrong amount listed for the debt, they are contacting and discussing my debt with third parties. Please send me a letter to validate the debt so that I may dispute it and send all copies of cancelled checks for the original credit collection agency I have been working with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation
State: VA

Complaint narrative:
A company known as First Data is phoning a friend of mine regarding my account with their company that is overdue after my XXXX went out of business XX/XX/XXXX. My friend, XXXX XXXX ( of XXXX XXXX, Florida ) has nothing to do with my account with First Data ; she is not a signatory on any paperwork or agreements with this company ; and is no way responsible for any business or financial doings with First Data.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 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: First Data Corporation
State: TX

Complaint narrative:
TRS Recovery Services , Inc. is trying to collect for a returned check for XXXX that is not mine. They are threatening to turn me over to a another collection agency. I called them and they would not listen when I explained this was not my check and that I do no even use this Bank. I researched on the internet and it said this was a scam. There corporate offices address is : XXXX XXXX XXXX, XXXX, Tx XXXX. Phone # XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ

Complaint narrative:
This third party debt collector has been calling me in excess of XXXX times a day. I am currently involved in a payment plan with the original XXXX company regarding this bill. I have an XXXX and have tried multiple times to work with the bill collector previously to have this sorted out. When I answer the phone calls, the other line says " hello? Hello? '' over and over. It 's ridiculous! The number they are calling from is XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Global Credit & Collection Corporation
State: RI

Complaint narrative:
global credit collection sent me a letter saying i owe a debt from original creditor XXXX saying i owe money even though i have a paid letter from XXXX sayings its paid- global continues to call my fathers house to collect this debt and disclosed my information to him and threatens to take legal action saying i committed felony fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I was NOT told that I retest accrues daily, I was not informed that there is no help in catching up should we fall behind, save for deferring a payment and then doubling up on payments he next month. Because of this, my payments have increased to $ XXXX/mo. I only bring home $ XXXX/check, so how am I supposed to pay this off? I have NEVER done business with a company that allows credit to be increased without considering monthly income. If they had limited my credit usage, I would n't be in this situation. They prey vulnerable and the financially unstable and have no means of recovering. This is insane ; I originally borrowed XXXX and now my balance is over XXXX with $ XXXX/mo payments and very little of that going to the principal. This is a trap, and they need to be sued immediately. I inquired about closing the account and paying it off, and I ca n't even do that to try to get this under control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Unexpected/Other fees — 
Company: First Data Corporation
State: WA

Complaint narrative:
I was pointed towards XXXX XXXX by my Bank XXXX to get a credit card terminal for my small business. A representative from XXXX XXXX, named XXXX, got in contact with me and I asked her about all the costs and fees associated with the terminal, she told me there would only be a monthly payment of {$25.00} and two percentages that would be charged with each transaction ( one percentage is for tickets under {$500.00} while the other is for tickets over {$500.00} ). I asked repeatedly to make sure there was nothing else, now I get a bill saying monthly payments are higher than I was told and other charges that are undisclosed with no explanation anywhere on the bill for. I 'm also being told, after paperwork is done, that there is also mandatory insurance I must pay monthly on the terminal, I was not informed of this when I asked about the costs and fees. Not only that, but merchant services has now charged my bank account repeatedly in the XXXX week of XXXX resulting in overdraft fees that amount to {$160.00}. They charged me XXXX times on one day, XXXX XXXX, resulting in nearly {$100.00} in bank fees in just XXXX day. I was not informed when I was signing a contract, I was told it was just a paper confirming the information I had previously submitted about my bank account and business ID, and I was rushed through signing it over the phone. I was told I needed to sign the paper to get to the next step, the customer rep helping me was not honest and did not inform me of what the paper really was. After she had me sign it she hung up and I was left very confused. She also did not inform me that the lease term would be for XXXX months. She did not mention anything about a lease. I am very upset. They want to charge me over {$1000.00} to cancel the lease which was agreed to by manipulation by their customer service. This is not right, my small business was taken advantage of, I was taken advantage of. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc. (FL)
State: FL

Complaint narrative:
I keep receiving calls from AR Resources about a Medical debt and shows in my credit for {$340.00}. I 'm not aware of this debt and need more information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Union Adjustment Company, Inc.
State: CA

Complaint narrative:
Made several attempt to validate debt and so responses have ever been made. I have tracking and letters of disputes to Creditor and Credit Bureaus. Looking to resolve the negative impact it has on my Credit Report. But no response. Efforts gone unanswered since XXXX/XXXX/2016. Should not be this difficult to get a copy of my alleged debt. Its being reported on my credit report as bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had fell behind in my loan and received a settlement offer from the company, and under this letter and I was lead to believe that I would be settling my account for less than the full amount and that would be reported to the credit bureau. Which I figured would be better than nothing as long as I got this bill to me paid off. But to only have the company turn around and continue to report on my credit as late and still owing money. I feel the deceived me into sending them money. But they made no contact to say they was pulling back on that offer, they still wanted their money or even send an account statement after they received that money. I feel I have been deceived and taken advantage of during a time of hard times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
CNAC requires payments every 2 weeks but they report monthly and the monthy amount is incorrect. They also reported a payment in XXXX of XXXX even though I returned the vehicle in XXXX of XXXX.

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 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: LEXISNEXIS
State: CA

Complaint narrative:
When attempting to get cable service with XXXX, which I had had before in my previous state, they charged me a {$100.00} deposit saying my credit was n't that good which is a lie. My XXXX is over XXXX. But the agency they use, Lexus Nexus, had a report showing XXXX and had information missing, which I attempted to call them and have them rectify to no avail. I spent several hours on the phone with them over several days trying to straighten this out only to get the run around. They would never send me a credit report for me to correct their mistakes. I also disputed this with my credit card company. Lexus Nexus has the worst customer service I have ever seen. I was literally screaming at the lady on the phone to correct there mistakes and she just gave me the round around. Something has got to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My auto loan company took out a double payment from my checking account, and was authorized for XXXX payment. this has caused multiple overdraft issues and they continue to give me a run around in getting the error corrected and my payment refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My elderly father was a victim of fraud and financial manipulation by a timeshare company in XXXX. He lost {$150000.00} by sending a XXXX separate wires to XXXX believing he was selling his timeshare. He subsequently took a trip to XXXX and was told by the timeshare company that if he upgraded his timeshare for {$50000.00}, that he could sell it within three years for {>= $1,000,000}. He used XXXX credit cards ( XXXX and XXXX XXXX ) for a down payment of {$24000.00}. Once this was discovered, we put a halt to the payment. The credit card companies are demanding payment. I have claimed fraud and financial manipulation of an XXXX person, which is against the law in our state, but it does n't seem to matter. The credit card company is supporting the fraud and manipulation. We do n't know where to go for help. There does not seem to be any resource that helps XXXX victims of fraud. ANY direction that you could point us to would be very helpful. As his son, I have my fathers POA and can act on his behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Found a charge on my account that I did not purchase ... ..from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: OR

Complaint narrative:
False information on my clue report from the 3rd party company called LexisNexis

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
KOHLS/CAPITAL ONE is refusing to remove old account from my credit report. This is an old debt and has reached its statue of limitations. Account was reported by Kohl 's in XXXX 2008. Kohls state that my account is no longer with them. They sent it through a XXXX party XXXX. I contacted XXXX and they say this debt is too old and they have sent it back to Kohl 's. Kohl 's denies that they have this account and refuses to inform XXXX that this account is outdated ( over 7 years ) and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ballybunion Enterprises, Inc
State: CO

Complaint narrative:
I am submitting a complaint against Freedom Acceptance. I had opened a case on this already and it was not addressed that the amount owed was accurate. I had a balance of {$750.00} and keep increasing the amount, currently they just updated my amount owed this last week {$9.00} bringing it to a total of {$3500.00}. I have not have not received a payment history or a itemized bill stating all charges and fees. This has also been addressed in Attorney General XXXX XXXX XXXX vs. Freedom Furniture & Electronics, Military Credit Services , LLC, and Freedom Acceptance Corporation which is addressed in line XXXX and XXXX. I was also being charged more than the 5 % late fee charge as mentioned in line XXXX going from {$750.00} which was reported by email on XXXX/XXXX/XXXX ( see attached document ) to {$1000.00} which was also reported through email ( see attached documents ) on XXXX/XXXX/XXXX. Which is about 2 weeks in time of each other. Not only have they not corrected the amount for any of the credit bureaus which are violating the Colorado law exceed the finance charges authorized and allowable under Code XXXX which is line XXXX. It was noted in my last claim XXXX that I was granted {$510.00} in which I never received notice or documentation supporting which is required by the Consent Judgment on line XXXX. In attached emails have consumers fees for payments made via electronic means notwithstanding that the Administrator advised Freedom Furniture in XXXX that such provisions violated Colorado law. In addition to threatening a lien on our assets without a actual lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Chaparral Inc
State: OH

Complaint narrative:
Good evening team, I 'm filing a complaint on behalf of XXXX and since I co signed on the loan I feel the need to let your agency know how we are being treated. My wife lost her job XX/XX/XXXX due to health reasons. We continued to pay North coast according to our loans terms all the way through XX/XX/XXXX/ XX/XX/XXXX of this year until it became impossible to keep up with the loan term due to us losing an income and having XXXX children to cloth and feed and provide housing and on top of all the medical bills. XXXX, decided to do a voluntary repossession around XX/XX/XXXX/ XX/XX/XXXX some time after agreeing to do this with North coast they told us once the sell vehicle they will call and set up the remaining balance to pay monthly and drop the interest rate to XXXX %. XXXX, heard from Northcoast from the time they came and picked up the vehicle until they pending auction sale and they told us we had to pay {$150.00} to keep our account current and XXXX paid the {$150.00} and that 's the last I heard from Northcoast until Monday XX/XX/XXXX when XXXX called me and demanded a payment because we agreed to make a payment on XX/XX/XXXX ( XXXX to me ) the last I heard was that we were waiting for them to apply the amount they received from the auction ( if they sent something somewhere I never received anything. On the XXXX when they called me at work I was threated by XXXX to make a payment by the XXXX or else. She threaten to send my loan to their legal department. Caught me off guard because I thought we were waiting to finalize the new terms with the minus auction amount. XXXX customer service to say the least is not how a consumer should be treated when we are willing to settle the balance. I just feel getting threating calls at work is not acceptable and embarrassing for me at my employer where I hold position where I lead. I want to pay the debt but the threats is uncalled for. I even offered to pay the amount due on my next pay on XX/XX/XXXX to avoid any issues. I just want Northcoast to be transparent in regards to what monthly payment is due and how much because I was never informed and I ca n't speak for XXXX. If you want to hold me responsible I need to be informed what is owed and not be threaten to be sent to their legal department. I offered to pay on XX/XX/XXXX but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is my XXXX time submitting this complaint:1st submission for dispute : Merchant : XXXXDispute : I requested for Capital One to investigate the merchant and their breach of service. 
- I supplied all supporting document that is clear and concise to the merchants scam - Documents included in the submission that supported that there was " No Service '' provided. Furthermore, it is against the law for a merchant to hold onto a retainer fee for liquidated damages XXXX ) Result:1. Capital One validates in their decision the illegal use of signature ( forgery ). By upholding this ruling Capital One fails to comply with the Fraud Liability Policy mandated by the FTC2. Capitol One acknowledges and validates the use of fictitious documents used to support the merchants case. This also fails to comply Consumer Protection Laws that protect me from merchant scammers such as XXXX " Who Falsely Promise to Provide Services '' - FTC Statue

Company response to consumer: Closed with explanation