vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
SYNDICATED OFFICE SYSTEMS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify SYNDICATED OFFICE SYSTEMS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNDICATED OFFICE SYSTEMSor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I am writing in regards to my mortgage company ( Loan Depot ) failing to pay my taxes for my property and a tax lien was placed on all XXXX of my credit reports due to their negligence. I escrow my taxes per requirement of my mortgage and Loan Depot in return is required to pay my taxes for me. I only knew of my taxes not being paid because I tried to take additional credit out for a credit card and was denied due to a tax lien being placed on my credit report. I have contacted the loan depot a number of times ( via : phone and email ). They have not helped me what so ever. I have tried disputing this through the credit reporting agencies and they have denied my claims because loan depot has not contacted them to state this was at their fault and not mine. I have provided everyone any and all information to prove this was not my fault but still I am the one who is effected by their lack of responsibility. I have spent HOURS trying to fix this problem and I do n't know what else to do. My credit has been trashed because of this. I need this removed from my credit report immediately and loan depot has not made any attempt to work with any of the credit reporting agencies to fix this problem.

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 2015-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX 2015, I deposited a check at USAA of {$1100.00}. Once deposited, {$500.00} was available on my account. The next day, I looked at my account and it stated that the check was on hold and my account shown a negative balance of {$490.00} was place on my account. When I spoke to the bank, they stated that this was a federal regulated hold that was randomly placed due to the longevity of my 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 2016-01-19 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: SC

Complaint narrative:
Someone stole my identity and opened a XXXX account in the XXXX XXXX XX/XX/XXXX for about {$3800.00}. I 've lived in XXXX since XX/XX/XXXX. I 've had XXXX since XX/XX/XXXX. The same phone number for 10 years. Also I 've never lived in XXXX. In XX/XX/XXXX I filed a police report where I live in XXXX stating this account and possibly others is identity theft. A few years back the state of XXXX tax dept was hacked exposing XXXX residents personal info such as social security numbers. I ca n't verify that is the reason of my identify fraud but I assume that 's the only logical explanation. I have the XXXX police report, my XXXX id and the utility bill for my place in XXXX to dispute these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Diversified consultants reported a paid account to my XXXX credit report. Their reporting indicates that they reported a debt for the first time after it was already paid. Reporting already satisfied accounts to the credit reporting agencies are illegal and malicious. This account needs to be removed asap because it was satisfied prior to reporting to my credit report. This company reported this to my credit report after I inquired about as to why I was receiving communication from them when the debt was already paid. Illegal and malicious practices.I have contacted the credit reporting agency and as per the credit reporting agency Diversified Consultants continue to verify with the credit reporting agencies that this information is accurate and it is not because this company should never have reported this collection account that was already resolved before the initial reporting. Not only is that a violation in itself ; they continue to violate by verifying this information as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 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: CO

Complaint narrative:
In XX/XX/XXXX I had someone open a XXXX cell phone in my name with out my knowledge. I disputed this with XXXX and it was resolved and deleted. now a collection agency is reporting that I have a new collection with them as of XX/XX/XXXX I do not have a collection. and this was identity theft from XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE
State: OR

Complaint narrative:
On XXXX XXXX, 2015, I contacted my then-mortgage company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX because I received a property tax bill from XXXX XXXX. After speaking with XXXX XXXX representative, I was told by a representative from the mortgage company that property taxes were paid on my behalf, & to not worry about it. At the same time, my loan was being sold to The Money Source, Inc. ( TMSI ). On this same day XXXX XXXX/XXXX/15 ), I contacted TMSI as well to ensure they had the same understanding regarding my property taxes. A TMSI representative said not to worry about it. That was over one month ago. This past weekend ( XXXX/XXXX/15 ) I received the usual monthly mortgage bill from TMSI but with an increased monthly balance of {$200.00}. Today ( XXXX/XXXX/15 ) I called TMSI & a representative said my escrow balance was negative. TMSI never sent me an escrow analysis, nor did they forewarn me that my monthly mortgage would increase. I was shocked to found out less than two weeks prior to the due date. This same representative said they paid my property taxes & that was why my escrow account was negative. This same day ( XXXX/XXXX/15 ) I called XXXX & XXXX XXXX only to find out XXXX XXXX was paid twice - once by XXXX & once by TMSI. TMSI completely ignored my original call on XXXX/XXXX/15, & did n't bother to confirm with XXXX or XXXX XXXX that my property taxes were already paid. A representative from TMSI then said I would have to search for the missing money, continue to pay the increase monthly mortgage amount, & then request a refund. TMSI should request a refund from XXXX XXXX, not me. In addition, I should not have to pay for TMSI 's mistake. TMSI failed to perform due diligance & then expected me to fix their error. TMSI did n't even know they had duplicated the property tax payment until I notified them. Now TMSI expects me to pay extra each month while I clean the mess they made. TMSI should fix their own error, apologize profusely, & expect the usual monthly mortgage payment from me ( instead of expecting me to pay an additional {$200.00} each month ). TMSI lacks any level of professionalism. When I attempted to explain my situation to XXXX in TMSI 's tax office, he said if I had a problem with XXXX XXXX that I should contact them directly. The problem is not between me & XXXX XXXX. In addition to a huge lack of professionalism & business integrity, the problem of miscommunication exists between TMSI, XXXX, & XXXX XXXX. I contacted all three entities on XXXX/XXXX/15 to avoid having this very issue arise over a month later. In addition, TMSI should be penalized by having to pay a reasonable fine & be placed on indefinite probation. Thank you. [ TMSI individuals I spoke with on XXXX/XXXX/15 : XXXX, XXXX, XXXX, XXXX, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have call and asked this Collection Agency, Diversified Consultant to remove a collection of {$170.00} from XXXX XXXX XXXX they claim they have the authority to collect. The first time I called they could n't find that I owed a debt and the second time I called they told me that they had an account but my Social Security Number did n't match the XXXX they had on the account. 

This is not my debt I have never had any type of service with XXXX XXXX XXXX. I asked for a verification of the debt and ended up talking with a Supervisor named XXXX XXXX direct phone # XXXX. 

XXXX was very helpful and informed me that the Social Security # associated with this collection account was different than mine.He said they would remove/delete this collection from all XXXX of the Credit Reporting Agencies XXXX, XXXX and XXXX XXXX if I would fax them some information. 

He instructed me to fax front page of my Credit Report and the page showing the Collection Account. In addition to fax a copy of my Driver Licence and Social Security Card. 

I complied and faxed those items he listed to the fax number he gave me XXXX. That phone number is not a fax number but goes to a vice mail box message. 

I have called Diversified Consultant XXXX more time to confirm the fax number and was told both times that is the correct fax number. I ask them to call the number from a phone and it goes to a voice message. I am frustrated!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
Back in XXXX 2016 I was contacted by a loan officer from The Money Source stating " I qualify for refinancing at a interest rate of 3.375 % from 3.875 % with no closing cost for being a good customer ". I was interested and ready to refinance. The process took months. I did not hear from the loan officer for weeks. I would call but no response. Finally I received paper work by email to refinance but it stated the interest rate was 3.875 %. I called the loan officer and told him the information was incorrect. Fast forward almost two weeks later from that interaction, I get the corrected paper work, oh and by the way it 's the end of XXXX. I signed all of the paper by email and sent them back. I waited no word from the loan officer for weeks. I called for updates, he said he will let me know. According to him, they were short staffed. During this whole time I was paying off other bills because I wanted to get a fresh start for the new year. So, I get a call from the loan officer stating that I needed {$3400.00} for closing and two bank statements to show that these funds have been in my a account. I told him that when the refinance was offered to me there was no closing cost he stated oh that 's just from a template. I was upset but I wanted the lower rate. I looked at my bank statements and see that the closing funds are not over the closing cost which he stated was required. I called and spoke with a manager because I felt the loan officer was n't providing good customer service and keeping me informed. He stated I had till end of XXXX to get another statement showing the funds in my account and everything would be ok. I received a call XXXX XXXX to inform me that I was denied for the refinancing. Loan officer stated all information needed to be turned in by XXXX XXXX. After waiting over three months and never being informed of these requirements in the first place makes me feel delude.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had a credit card with Orchard Bank. Orchard Bank was bought by Capitol One. When the billing moved over to Capitol One my automatic payments were stopped and resulted in missed payments. When I noticed I called Capitol One to find out what happened. They could not give a reason why they were stopped. They agreed to refunding all the late fees that were charged and apologized for the error. I have attached a copy of the statement showing the refund. I have asked them many times to remove the late payments from my credit report and they just send a letter saying they are reporting correctly. As soon as I noticed that the payments were not getting applied to my acct I immediately called and paid the past due balance as well as set up the new automatic billing. The late payments are greatly effecting my credit. This was no fault of my own. I never had a late payment with Orchard Bank, and have not had XXXX late payment with Capitol One sense I discovered this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
I draw a low goverment check each month. No goverment check can be touched by no one. Stop haraasing me.. Stop contacting my bank etc..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I refinanced my home with USAA and did not receive copies of any of the loan documents that I signed. Additionally, I received {$310.00} less than the amount identified on my final Closing Disclosure form.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had a Capitalone auto loan back in XXXX. During some rough personal issues i had to make several payments late. However after i recovered loan was closed and satisfied in XXXX. 
Capital one has been reporting to all XXXX credit bureaus the history of my payments. 
I have reached out to them several times as well as disputed with the credit bureas. Capital one states they can report my history up to XXXX yrs and ill not remove. 
I need help. This has hurt my credit report for yrs. I pay my bills on time. Because they wont remove my credit score is down XXXX points and shows i have more than 1 car loan. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Disputed a charge XXXX/XXXX/2016. They have not sent me a final letter regarding this dispute though 2 billing cycles has passed. They claim that it 's not final until 90 days has passed and my understanding is that the law mandates that the investigation be final by the EARLIER of two billing cycles or 90 days. I spoke to XXXX supervisors at the credit card dispute dept and they advise me it 's not final until 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Paid off loan XX/XX/XXXX or XX/XX/XXXX. Have been trying to contact XXXX to get a copy of the lien release for the paid off trailer. I call and enter my social security number, and it tells me it 's " invalid ''. I do this repeatedly until their automated system tells me " please call back when you have correct information. Goodbye '' - then I 'm hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have had many credit cards and I have never experienced this. Capitol One has been charging me an " over the limit fee '' every month, despite the fact that I pay at least the minimum payment ( {$75.00} ) and do n't use the card! They have designed their system so my account will never be paid. Every time I tell them it is illegal, they reverse the charge, but then they turn around and do it again! 

It is essentially a pay day loan pretending to be a credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One gave false and misleading information stating if we paid off the card in full we would receive our credit lineback. They now refuse to give the credit line back after the card was paid in full. We have XXXX other accounts in the same sitiation they released when they were paid in full. We have been told a collective XXXX difference reasons why the account can not be reopened and are not completing the requested phone call reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC
State: MA

Complaint narrative:
My daughter financed a car from CNAC Carnow Acceptance Co XXXX XXXX XXXX XXXX, MA XXXX and XXXX Byrider. She payed all her car payments and her insurance company mailed them the check for the value of the car. Although she did not have GAP insurance CNAC has told us that my daughter 's loan will be paid in full and she will not owe any $ to them. When going to a different dealership to get her another loan and car CNAC will not give us a written letter stating that my daughters loan is paid in full. We have called numerous times and asked for something in writing that states her loan is forgiving and paid so she can get a new loan elsewhere and they said that we can go through them to get a new loan because they know the loan is paid but will not let her go to another dealership to get another car. Why wo n't they give her a letter stating the fact that her loan is paid so she can get a new loan? Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I applied to a refinance advertisement that was mailed to my address by Capital One Bank during XXXX 2015, with a coupon offer of $ XXXX credit towards closing cost. I called them and talked to XXXX XXXX XXXX, Loan officer @ XXXX. We negotiated to refinance my existing loan with XXXX XXXX XXXX at 3.15 % for fifteen years fixed. I locked in the rate and she mailed me the application package. I filled it, package with all the paper works, and gave them my credit card number for processing fee of @ XXXX to be charged after the loan has been approved and closed along with all other closing cost. I received an acknowledgement that they have received all the papers and my application is complete. We will close the loan on XXXX XXXX 2015. After couple of weeks XXXX XXXX XXXX called for some other papers to be signed and I complied with it. After my several call to XXXX XXXX, gave me the number of XXXX XXXX XXXX loan XXXX XXXX. 
After couple of weeks later when I called he said that my loan application has been cancelled due non compliance of their paper works in time. I told him that Capital One Bank has acknowledged me that they have received all paperwork and my application is complete. 
I told him, please let me know in writing that you are cancelling my application due to what ground and what further paperwork you need from me, so that I can comply with it. 
He never replied and after my repeated calls he is telling me since my original application is cancelled and he can not do anything, but he can offer me another refinance loan with a current rate which will be little higher. In the mean time they are holding my processing cost of $ XXXX and not answer my calls or emails at all. This complain is to intervene this matter with online Capital one bank to comply with the Federal fair lending acts. 
XXXX XXXX Loan No. XXXX. No. XXXX

Company response to consumer: Closed with explanation