vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 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: Kriya Capital, LLC
State: NV

Complaint narrative:
Credence Resource Management, Account # XXXX represents a XXXX post paid account that has been added and deleted to my credit file several times. The date of first delinquency with this creditor was in XXXX and it appeared on my credit file as XXXX in XXXX. The accuracy of the information was challenged and subsequently deleted. This item appeared again on my credit report in XXXX of XXXX with a open account date of XXXX XXXX under the collection agency, XXXX XXXX, XXXX, Account # XXXX, this information was challenged and subsequently deleted as it is a re-aged account. Now, the information is once again showing on my XXXX credit file report # XXXX under the collection agency, Credence Resource Management with an open account date of XXXX, XXXX. I challenged the accuracy of this information as it is a re-aged account in XXXX, XXXX and I received an email confirming the investigation was completed and the credit collection will remain an open account with a date of XXXX, XXXX despite this information is a re-aged account. 

Credence Resource Management is reporting a re-aged account to my credit file which is a direct viloation of the FCRa. Please assist me with this matter as it has seriously damaged my credit score since it is showing as a new collection account and it is also going to remain on my credit file longer than legal because it is re-aged to XXXX rather than the first date of delinquency in 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 non-monetary relief
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
JH PORT or whoever this is are reporting a collection debt that is not mine. I was a victim of identity theft and sent them the appropriate documentation as instructed from the FTC & XXXX XXXX. 

Please assist. Thanks 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 2015-09-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I received an EOB from my healthcare provider, I spoke to the debt collector Credence Resource Management who told me to pay the amount I owe as per the EOB and Email them the EOB. I did this, and am now still being chased for extra money I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: KY

Complaint narrative:
For XXXX I have already paid this medical bill through another collection agency, when this agency first contacted me I told them it was paid, they proceed to say yes this was sent by mistake. I never heard from them until they had called my in-laws whom I NEVER listed as a contact! They are now claiming I yet again have to pay this bill from 2012!!!

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 2016-08-17 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Sierra Credit Corp
State: CA

Complaint narrative:
Both the amount and manner of the communications was inappropriate. The caller misrepresented the rules governing our agreement and the tone bordered on threatening.

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 2016-08-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ASTORIA BANK
State: VA

Complaint narrative:
My husband and I have mortgage with Astoria Savings. In XXXX, we received a notice from Astoria stating that our mortgage would be increasing due to our 10 ARM. This doubled our mortgage form {$2500.00} to about {$4800.00}. Needless to say, we are unable to make our payments, so we asked for assistance. We were instructed to complete a loan modification application, and submit all of the appropriate documents ( hardship letter, financial information, paystubs, checking and saving acct statements, XXXX statements, etc ). The initial case was being handled by one person, and then we started dealing with another lady ( who requested the same information ). Meanwhile collections is calling us because they want to know when will be making a payment -- oh, did i forget to tell you that because we are now more than 120 days behind, they have accelerated our mortgage, which means they want at least XXXX payments ( that 's about $ XXXX ). It is now XXXX 2016, and they are still requesting information and at no point in time has our file been reviewed to see if and what kind of assistance we would be eligible for. We have reached out to HUD, but they said all they will do is provide the documents ( that Astoria already has ) to the mortgage servicer. We are concerned because we do n't have family that will be able to give us money, and if Astoria does n't grant our loan modification, we will have to file bankruptcy because they will want at least $ XXXX to stop foreclosure proceedings. I think their business practices are deceptive and that they do this to every customer that seeks assistance with no intention of ever helping out the customer. Any assistance that you could provide and if you could share this information with others to they are not subject to the same deceptive practices as we have been dealing with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: JH Portfolio Debt Equities, LLC
State: TN

Complaint narrative:
I was at work and the person never would identify himself and kept asking me to identify myself, and when I did, I informed him that I needed to know who I was speaking with, he got smart and said I told you who I was and stated XXXX XXXX from XXXX XXXX. As I told him it was put in writing not to contact me and you should not be contacting me, he stated that he was calling in regards to collecting a debt, and I stated again that XXXX XXXX and the collection agencies that they have hired know not to call and he acted like it did not apply to him and kept harassing me with conversation regarding a debt, I am at work and I hung up and submitted this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Linebarger Goggan Blair & Sampson LLP
State: PA

Complaint narrative:
I received a voice mail on my answering machine from a Linebarger, Goggan, Blair and Sampson Law Office pertaining to a past due debt I had for a parking ticket in XXXX. When I wrote down the reference number I accidently transposed XXXX of the numbers ; however when I called the XXXX number, I typed in the reference number and without asking for any additional verification the automated system proceeded to tell me another client 's personal information. The reference number I typed in was XXXX instead of XXXX ( this is my number ). I just thought someone should be aware because I do n't want anyone knowing my information if the number was typed in accidently by another client.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 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: The CMI Group, Inc.
State: VA

Complaint narrative:
I received a letter from Credit Managementt L.P. of XXXX, XXXX requesting payment of {$56.00} on behalf of XXXX XXXX. I replied to them with the information that I have never lived in XXXX or anywhere in XXXX, that no family member or anyone for whom I might have fiscal responsibility has ever lived in XXXX and that I have never had an account with XXXX XXXX. 
I requested that they provide verification of the debt - in particular the account information from XXXX showing when the account was opened, by whom, and the date the debt was created. 
Their sole response was that they had talked to XXXX and verified the debt. This seems extremely insufficient to me and I am not inclined to pay a bill just because someone says-so. 
I am surprised that they have such a business model, where they expect to extract monies from consumers simply by sending letters demanding money. I would also be surprised if that kind of demand was even legal - I would expect that they would be legally required to provide some proof of the debt beyond what they have provided, which is no proof at all. It is not my burden to prove that I do not owe a debt, it is theirs to prove that I do. 
I have responded to them indicating that I will not pay anything until concrete proof that the debt is mine is provided to me, and I will further register a complaint with the XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
My husband and I are on XXXX. I have been trying my best to keep up with our bank acct at Regions Bank. I have gotten all my statements together and in 2016 so far they have taken out overdraft charges in the amount of XXXX and returned item fees in the amount of XXXX. I went to the bank and my account was getting hit by debits that i did not authorize. The bank said that when my acct was in the XXXX i could come back and open another acct. We are on a fixed income and can not afford these charges. Please tell me what i can do. Our checks are direct deposited so they just keep hitting me with charges and my house payment and utility bill has been returned unpaid so many times that i can not write a check anymore. As you can see i would have more than enough money to pay my bills if i was not PAYING the bank!!! PLEASE HELP ME

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 monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shell Point Mortgage place a lender insurance on me increased my payment by {$600.00} all because they failed to payment my insurance payment on time. I have a conventional loan that includes mortgage, taxes and insurance. I have been overpaying since 2014 and they refuse to help me lower my payment. All I get is the run around.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank sent me a new card which i did not apply for. new card number

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 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: Jim Bottin Enterprises, Inc
State: NJ

Complaint narrative:
Years ago my daughter belonged to XXXX XXXX. 
She incorrectly gave them my home phone #. 
( she 's XXXX yrs old now XXXX She is no longer a member.. has n't been for a few years from what I understand. 
She does n't owe them any money anymore XXXX again, from what I understand XXXX. 
All of this is irrelevant,, she 's XXXX years old, not a child, I have my home phone, she would n't pick it up if it was ringing and she was standing next to it.. 
She has asked XXXX XXXX repeatedly to remove her parents home phone # from her name in their records. 
Now she is n't a member and owes them no money and I recently had XXXX and they 're calling here waking me in the morning. 
I think it 's a collection agency of theirs. 
When I call them they could n't care less. 
Would you please call them on my behalf.. 
Thank you, ,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a credit card statement from Capital One for the period XXXX XXXX, 2015, but I do not possess a Capital One credit card. I telephone the Customer Service number on the statement : XXXX and spoke with senior account specialist, XXXX, who stated that someone else used my information to open this account and that he was closing it as of XXXX XXXX, 2015. There were no charges on this statement, but the statement informed me that I would be charged an annual {$19.00} fee if I did not close this account. 
Over one year ago I applied online for a Capital One account, but I cancelled the application/account via written notice delivered via XXXX XXXX to Capital One 's corporate headquarters. The reason for that was that I immediately received more than XXXX notice in the mail stating that they could not issue the card due to fraudulent activity on the card ( that did not exist ). When I telephoned the number on the letters, the same man answered and I called more than XXXX time. I was always asked for my personal information, i.e. date of birth, social security number, prior employment, etc. I concluded that the entire process was initiated and followed through by an individual or individuals conducting fraudulent identity theft posing as Capital One. Regarding the cancellation and report of fraud sent to Capital One 's corporate headquarters via XXXX XXXX, I did not receive any response at all. This is very suspect, in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
We began dealing with Regions mortgage lender, XXXX XXXX, on XXXX XXXX. We are first time home buyers and have had a terrible experience with our lender. She has told us on several different occasions in emails that she was going to overnight us sensitive material and eventually emailed the information for us to sign and scan back to her through email. She never explained any of the information we signed. We had to order our own home inspection because she kept telling us she would and never did. We signed documents that state our home was built XX/XX/XXXX, which it was built XX/XX/XXXX. We have been told it is our insurance company who she is waiting on to be able to order a closing date and when we contacted the insurance XXXX was told he too was waiting on a closing date. We confronted our lender and was told the closing date is taking so much time because we did not submit an employment letter until XXXX XXXX and again on XXXX XXXX. We have asked our lender to be honest with us and to communicate effectively with by keeping us informed about the loan process. We have contacted her supervisor, XXXX XXXX, who inquired about the loan process and was unsuccessful at getting a remedy for our problem. The home inspection was completed on XXXX XXXX and the lender did not have the appraisal ordered until XXXX XXXX. The appraisal was completed on XXXX XXXX and submitted his report on XXXX XXXX. We continue to wait on a closing date. We were never spoken to about the rate our loan would be nor the monthly payment. We have contacted the lending supervisor on XXXX occasions and the XXXX time she did not call us back after we explained to her about the lack of communication with our lender. We began this process on XXXX XXXX and it has been a nightmare. We have been told the lender was waiting on a FHA loan number and several other excuses for her lack of communication with us. We can not express to you how tired we are of dealing with Regions and feel our hands are tied because we want to close on our new home and it will take even longer to close if we use another lender. Our credit scores are XXXX and above. Please help us resolve our problem and prevent this problem from occurring in the future. We just want to close on our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had a credit card I received at Capital One 's solicitation and had it for at least 2 years, with no late payments. In those 2 years they gave me automatic credit increases that I did not request. In XX/XX/2016, I received a vague letter from them stating they were closing my account. I inquired of their customer service department and their executive office numnerous times for a clear reason to no avail ; they closed the account. Several weeks later, I received another solicitation to apply for the same Platinum card and I applied. In XX/XX/2016, I was asked to send a copy of my social security card, a copy of a bill and a personal identification and I complied. A representative called me several days later to explain that I was approved for another Platinum card with a credit limit of {$2000.00}. After this approval, I received two additional solicitations to apply for the Platinum card yet again. On XX/XX/2016, I received a letter from XXXX. of Capital One ( letter dated XX/XX/2016 ) stating that the new Capital One card was cancelled for the same reason, I would like like for Capital One to keep one of the cards open since I constantly receive solicitations and approvals from them. If they can continue to send solicitations, and add to my credit inquiries, they should at least honor the agreement, especially since they were the ones who solicited my business on multiple occasions. I do not want to hear about internal controls not in place or excuses. I think it is time Capital One honored me as a consumer. I have all copies of letters and solicitations from Capital One if you require it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: SC

Complaint narrative:
Back in XXXX I purchased a car from JD Byrider in XXXX Ohio. Shortly after I was one day late in making a payment and the vehicle was repossessed. I received disputed the information that was on my credit report in XXXX after I relocated to South Carolina after I received a letter from a collection agency regarding this old car loan. I was contacted by a lawyer from JD Byrider who could not locate any information on my loan from XXXX and informed me that they were not able to locate any paperwork on me since the original creditor is no longer in business. I received a call today from a company called XXXX XXXX XXXX who are trying to collect on this debt that no one after all this time can one prove I still owe. I still have yet to receive a copy of the original contract and disposition of the sale of the vehicle in accordance with Ohio XXXX. In addition this company has stated that they will sue me over debt that was long past the statue of limitations in Ohio as that expired in either XXXX or 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 2015-04-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
XX/XX/2015- validation request was sent to CNACXX/XX/2015- XXXX validation request was sent to CNACXX/XX/2015- XXXX validation request was sent to CNACThere has been no response despite having sent the request to address on credit report and another address found on line.

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 2015-06-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX attempted to collect {$2400.00} and then sued me for this amount in small claims court. Then they offered to settle with me for {$2500.00}. At trial, they tried to collect {$2400.00}. They clearly violated the FDCPA and the Texas Finance Code by attempting to collect different amounts. Plus their actions, as attorneys, violated the statues by not paying attention to the lawsuit they filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
A credit card with Capital One appeared on my credit reports. I have repeatedly disputed the account because the account was created fraudulently. I have sent denial letters and verification letters to Capital One requesting information as it relates to the account. I have asked for copies of statements, copies of applications, and any every bit of supporting document available. Capital One does not send me the information. I have instead been sent several letters that simply say the account was charged off and sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I had credit cards stolen out of my lost wallet.I reported cards stolen within XXXX. I had a total of XXXX credit cards in my wallet. XXXX of which were Bank of America. The other XXXX had charges but were denied by XXXX, XXXX, XXXX Bank. I was called and questioned about charges and asked if I had my drivers license. I answered yes because I had to get them replaced. They said my license was used in purchase so they were going to deny me and make me responsible for charges. I continued to pay the debt left on card before they were stolen. Once balance was paid I refused to pay charges from the fraudulent charges to my card. They have continued to run down my credit score. I need some help stopping this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation