vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21 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: Diversified Consultants, Inc.
State: OH

Complaint narrative:
I have an unverified account from DIVERSIFIED CONSULTANTS. I had previously disputed this account. I have never done business with DIVERSIFIED CONSULTANTS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DIVERSIFIED CONSULTANTS Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DIVERSIFIED CONSULTANTS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am a TD Bank account holder. I receive overdrafts for what I believe are not fair practices. If I make a charge that will overdraft my account, it is put in pending. If that same day or the next day that I notice it, I make a deposit, that same deposit is put as pending. When they clear, even if cleared the same day or the deposit clears prior to the expense, an overdraft fee is assessed. 

Additionally, it becomes difficult to track because of the disjointed design of the banking statements and online account view. 

The statement separates deposits, expenses and daily balances. The online view will show as things clear ( my account has not gone negative according to just the last week, yet I 've been charged almost {$200.00} in overdraft fees ). 

I attempted to speak to TD about this and they refuse to acknowledge the usurious nature of these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Auto Finance calls me multiple times a day even though I pay my bill on the same date every month which is the XXXX of every month. They call me from different phone numbers stating that my bill is due and/or late which is inaccurate because I have auto-pay set up with my bank and it comes out of my check automatically the XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XXXX XXXX 2016, I received a letter in the mail from law firm Kimball , Tirey & St. John LLP stating they were collecting a debt on behalf of another company. On XXXX XXXX 2016 I mailed a letter to the law firm requesting debt validation. However, on XXXX XXXX, 2016 the law firm already reported the alleged debt to all of the major credit reporting agencies before I had the chance to respond to their letter and request debt validation. According to federal law, 15 U.S. code 1692 ( g ) ( b ) it specifically states that a collection agency can not report a debt to the CRA 's until the debt has been validated. It also states that a debtor has 30 days from notification to request validation of the debt and the collection agency has to send proof that the debt is indeed valid. The law firm purposely disregarded my request for validation and purposely broke this statute that protects consumers and this is a direct violation under the FCRA which is punishable to a tangible extent under this law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have encountered several incidents of financial identity theft dating back since XXXX 2014. A credit card was applied for around XXXX 2014 using my personal information. I did not apply for the credit card. I do not know where this card has been used. I was made aware of this credit card by letters regarding non-payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have had an account with Capital One since XXXX of XXXX. For years, I made on time payments, every month. I went through a financial hardship due to a job loss and was unable to make payments besides my rent, car payment, and car insurance. I could n't pay my credit card bills at that time. I got a job with a XXXX company last year, and was just promoted last week to an excellent position with a large pay increase. 

Capital One closed and charged off this account in XXXX after my job loss and my inability to make payments. Since then, they have reported that I have been 90 days late XXXX times on my XXXX report, and XXXX times on my XXXX report. This reporting is simply erroneous as there is no way that I am still late on payments every month after this account has been charged off and closed. 

I called to tell Capital One that I would pay off the remaining charged off balance yesterday, as long as they properly updated that the errors would be corrected. I talked to a few representatives and they told me that there was nothing they would do for me because the reporting was correct. I find it impossible to believe that a closed account can still have payments reporting as late. 

Please investigate this. I am willing to pay Capital One every penny I owe them, as long as they delete my errors from my credit report. There are so many errors, that the best resolution would be for them to accept my payment in full for the {$390.00} balance I owe them and they could just remove my trade line permanently. 

I will be attaching screenshots from my XXXX credit monitoring report so you can see the discrepancies. Please investigate this because there is no consistency to the reporting errors and Capital One is still hurting my credit to this day on an account that has been closed for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am a victim of identity theft and someone stole my personal information and opened up XXXX credit card accounts with Capital One Bank. I never applied for a credit card with Capital One Bank. The XXXX credit accounts are unauthorized, fraudulent and do not belong to me. I have sent numerous letters, police reports and copies of my Minnesota drivers license and social security card to Capital One Bank and have informed Capital One Bank about this matter numerous times. The following accounts ending in : XXXX and XXXX, do not belong to me. I will not send any further correspondence to or communicate with Capital One XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GUARDIAN MORTGAGE COMPANY, INC.
State: TX

Complaint narrative:
Guardian Mortgage of XXXX Texas withheld my insurance money for home repairs until the repairs were complete. I paid off the mortgage. If I had n't had enough money. I would have been left homeless because of their abusive policies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
USAA Federal Savings Bank agreed to a settlement with XXXX XXXX, our primary lender in a letter dated XXXX/XXXX/XXXX ( attached ) to do a DIL on our home. USAA agreed to accept a settlement from us in addition to a settlement offer from XXXX XXXX ; this letter from USAA had a suspense of XXXX/XXXX/XXXX. We vacated the home on the agreed upon date of XXXX/XXXX/XXXX and have not had access since as the locks were changed. 

On XXXX/XXXX/XXXX we sent our check to USAA which was cashed by them on XXXX/XXXX/XXXX. XXXX XXXX sent their check to USAA which was received by them on XXXX/XXXX/XXXX, four days past the original suspense which has caused some confusion. NOTE : USAA cashed the check from XXXX in addition to our check. 

Our lawyer representing us has contacted USAA almost weekly since XX/XX/XXXX and has been told the loan release is being worked and they will get back to us within 48 hours. It is now almost four months since USAA has been paid but they have still not sent a release to XXXX so we can completed this DIL.

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 2016-01-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I looked at my credit card balance with USAA credit cards. I had noticed that my payments did not process. My payments are due on XXXX. So I immediately made a payment and called the bank. they charged me {$25.00} for each late credit card and this put my card over the limit. I asked them to please waive the late fee and they said no. I have never been late. I find this unreasonable. On XXXX I received an alert from a credit reporting agency that USAA had reported that I was late and that I was over the limit. This is also very unreasonable. The only reason I was over the limit was because of the late fee. This affects my credit which I have been perfecting for sometime. THis is bad business. I as only a few days late. This is not the XXXX time that I have had problems with them. I reported them a few times last year for closing accounts without notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LD Holdings Group, LLC
State: AL

Complaint narrative:
On XXXX/XXXX/XXXX, I sent a payoff to Loan Depot in the amount of {$34000.00} for a loan balance of # {$33000.00}. Due to untimely payment processing I ordered a stop pay on XXXX/XXXX/XXXX. At that time my bank issued another check to loan depot in the amount of {$34000.00}. Again due to untimely payment processing I ordered a stop payment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called Loan Depot to payoff the loan via ACH over the phone. At that time Loan Depot was unable to accept my payment because the prior XXXX checks were not returned. Loan depot stated that they would honor my XXXX/XXXX/XXXX payoff as soon as their system allowed for an ACH payment. Loan Depot 's system updated on XXXX/XXXX/XXXX to allow for me to make an ACH payment. When I called to pay, I was told that my payoff is as of XXXX/XXXX/XXXX, not XXXX/XXXX/XXXX. I was told by the customer service representative that it was my fault their system would not allow them to accept my payoff on XXXX because of the stop pays, therefore, I was being charged an additional 20 days of interest.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
My identity was stolen by a person who opened accounts under my name with XXXX and XXXX. The problem now relates to XXXX. XXXX merged with XXXX. XXXX sent an account in my name to a collection company called Diversified Consultants , Inc. a/k/a DCI. I filed a police report with my local police about this identity theft XX/XX/XXXX. I applied for a mortgage and it was reported by XXXX that I owed XXXX {$1900.00}. I never have had any accounts or done any business with XXXX or XXXX. DCI had reported my account as " collection '. The lender tried to resolve this matter. I joined in a conference call and the man calling himself XXXX XXXX at DCI told them : the balance is still owing ''. This conference call was made to XXXX. He lied and insisted throughout the phone call that I had to pay this balance. Additionally, DCI had this account listed as a fraud and continued to try to collect this debt when they had full knowledge that I did not owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX, 2016, I mistakenly mailed a check to USAA credit card XXXX. The check was for {$2500.00} and was made out to XXXX XXXX XXXX. On XXXX XXXX, I realized I had maybe made an error and had sent the check to USAA. I called USAA credit card services and was told that they had not received the check and would not cash a check not made to them. On XXXX XXXX, I called my checking account bank, XXXX and was told the check had been cashed. After going to XXXX I received a print of the front and back of the check and surely enough it had been cashed by USAA on XXXX XXXX, although I had a credit due from the USAA credit card of over {$100.00}. On XXXX XXXX, after calling USAA, I was told that they could not issue me a refund until I called them back in 10 days. The reason given was that they had to made sure the check was valid since it came from an external source, although I had a copy of the cancelled check in my hand. I was also told that they could wire the money to the bank that day, XXXX XXXX, but I would need to pay them 3 % of the amount wired. 
On XXXX XXXX, thinking that I had made a clerical error in my check book, I had issued XXXX XXXX XXXX another check for for {$2500.00}. Now, USAA could not return the check for another 10 days or more but could immediately wire the money at considerable cost to me. 
Translated that means pay USAA {$77.00} and they will wire the money immediately or call USAA in 10 days and they will mail me a refund whenever. 
I had to borrow money from my son to cover the second {$2500.00} check until my husband arrived from his work the following day to issue me another check for the same amount. 
I am very unhappy with USAA and will be cancelling the credit card as soon as my money is refunded. I hope I have described the situation clearly. Thanks for any help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
This collection company has placed a debt on my credit report as paid, but I handled the debt with the original creditor, nit this collections agency. They should not have an account listed on my credit and need to delete this account because it is lowering my credit score. I spoke to someone there and asked them to delete it, but he yelled at me and said that they would continue to list it as paid on my credit report, even though this agency had no dealings with me and the payment of this account. The original creditor has forgiven the debt and continued my alarm services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Optima Recovery Services LLC.
State: TN

Complaint narrative:
this is from a medical procedure I had on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. The debt is from a XXXX XXXX. I do not deny the debt whatsoever. The debt was for {$2100.00}. two separate times of {$1000.00}. each for their part in this procedure. We paid {$25.00} per month from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX at which time we never received another bill from that time to the present, XXXX/XXXX/XXXX. We never received a letter, phone call or correspondence of any kind till that day of XXXX/XXXX/XXXX when I received a Summons to court. It also had a letter attached to it that stated it was from a collection agency trying to collect a debt. I made a phone call on XXXX/XXXX/XXXX to the number given that was supposed to be the Law office of XXXX XXXX XXXX, attorney at law here in XXXX, TN. I talked with a woman named XXXX XXXX who informed me she was an assistant for XXXX XXXX XXXX, and that she could set me up on a pay schedule, I informed her I was already on a pay schedule and that I was no longer receiving a bill. She informed me they were not required to send a bill. I informed her I had received a bill for 10 months in a row, that pretty much sets a precedence that they send a bill. That 's when she informed me I was going to have to pay court costs and she added it to my original debt. These people never gave me any opportunity to answer this debt at all, much less the first thing I hear from them is by a summons. The Dr. and the hospital who were involved in this same procedure are very close to being paid in full. This debt would be paid right down with them if they had continued to send us a bill. I checked with XXXX and with Optima Recovery and they both assured me they do send bills regardless what XXXX XXXX contends from The attorneys office. I have a severly XXXX that we have been working and waiting on the VA for 2 yrs. now to get the operations I need. It 's been longer than that since I could work. My wife lost her good paying job in XX/XX/XXXX and she has had to work with a temp service just to be able to have some kind of employment. Yet we paid each and every bill so it upsets me greatly when someone tries to cheat us like this and add some supposed court costs to our debt, when we have not gone to court. Not quite sure why they quit sending us a bill but if they had we would have continued paying it. When anything medical quits coming in you figure the insurance finally paid. Please give a reply, I believe I am being railroaded into paying court costs.

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 2016-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I advised this debt had been paid with the orginal utility company ( XXXX ) and I did not owe it and to stop calling me at my work cell phone number. 
They continued to try and collect and continued calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 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: Diversified Consultants, Inc.
State: WI

Complaint narrative:
XXXX could not provide service in zip code XXXX and told me to change carrier .They gave me settlement figures to pay off phone and close account. 
I moved to XXXX .Then later after some time XXXX charged another {$130.00} and put collection s on my credit report .They can not explain charge .They do n't care and lack honesty .They are too big and important to sort out small problems.They are just greedy for money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optima Recovery Services LLC.
State: TN

Complaint narrative:
I was made aware of a purported debt many months after it had been sent to collection. I have never received a notice, call or letter from the collection agency ( Optima Recovery Services ) but they reported the debt to the credit bureaus and now my credit score has dropped significantly. 

I sent a certified letter to Optima Recovery Services in XXXX 2015. The letter explained I did not owe the debt and included a copy of the cleared check showing the item had been paid. 

I received no response from Optima and the item is still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I made my mortgage payment over the phone with automated system and authorize them to charge withdrawal from my bank {$1700.00} for the month of XXXX but when i checked my bank statement they had withdrawal more than the amount i authorized which was {$1700.00}. By them doing this it put me on overdrawn on my account which i was then charge a {$30.00} courtesy fee. I called they said they were going to refund me the amount and i would get a call from someone to verify this but i never received a call. I called them today again and they say they no where in my account does it say i 'm getting refunded. This is not the only time i had to pay extra money because of them last year i had to pay penalty fees on the tax payment they did n't make.

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