vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: KY

Complaint narrative:
Around XXXX XXXX, I discovered that a debt was listed under my name in XXXX XXXX for a debt incurred in XX/XX/XXXX or XX/XX/XXXX by Midwest Recovery Systems. I called my health insurance and we called collection agency and was promised to have the bill sent to me. No bill ever was received. I contact the hospital where debt was incurred and found I have never been treated or responsible for any health care. This is a XXXX fee of a non existence business.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Screaming at my Manager and sharing information Called them names and Hangup every time, Calling my family members and asking for me saying is about credit debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
The mortgage company began to raise the monthly payment after I was approved for exmption that should lower the monthly payment and taxes on home, but they told me that they paid more than XXXX for the city and the taxes was only XXXX, I called the city and I was informed that there was a refound sent to the mortgage company and they also sent me a refound. The mortage kept saying that there is a shortrage in the account and I told them there should n't because they got refound from the city. They insisted and kept adding more things to the monthly payment. They also tell me that I have two payments due in my account but I have a proof for paying every month. I need help to stop this company from adding this additional payments and charge me for something that is not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: TN

Complaint narrative:
Midwest recovery systems has placed a fraudulent collection claim on my credit report for a supposed loan which I did n't not received .I want this removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
This company Midwest Recovery has violated FDCPA policy, they reported a collection to my credit report with out contacting me about this debt, they did not give me the Rights to fight! when I ask to send me the documents they could not provide the right address..now I have a collection for a fraudulent 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 2015-08-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
National Credit Adjusters has contacted my friends and contact me on my job requesting me to money towards a payday loan that I have already paid for 6 months ago. When I requested for him, XXXX XXXX, to stop calling and harrassing me me on my job, he stated that is not harrasment and then he began shouting that he will take me to court. I would like this harrassment to stop., Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: FL

Complaint narrative:
As of XXXX/XXXX/2015, I have maintained part-time enrollment within XXXX University 's XXXX program. XXXX University is located in XXXX XXXX, FL. In early XXXX, I contacted ACS, my private student loan servicer to request a continued deferral on my private student loan account. ACS told me that they would process my deferral if I provided them with a letter of enrollment from my institution. I faxed a letter of enrollment to ACS on XXXX/XXXX/15 and XXXX/XXXX/15. I received successful verifications of the transmittal of the faxes to ACS. Despite this, ACS claims that they did not receive the fax and debited my checking account for the monthly payment of my private student loan. I e-mailed ACS a copy of the enrollment verification letter from my school on XXXX/XXXX/2015 since it is apparent that they have difficulty with not misplacing faxes. Today, I received an e-mail from ACS stating that they will not accept the " verification '' of my enrollment because the letter does not indicate my enrollment status. However, the enrollment verification letter does display my current enrollment status. I need your assistance in sorting out this letter because it is clear that ACS is attempting to thwart my attempts to defer my loan in an attempt to swindle money from a hard-working XXXX who is pursuing a graduate level degree. Notably, this is not the first time that I have had to file a complaint with your department regarding ACS and this private student loan account. Please reference your case-numbers : XXXX & XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I have for more than XXXX months tried to talk to PennyMac and even the corporate office about my payments and how money is being applied in addition to the payments they claim they have made to the tax assessors office. my payment went up and I have nothing in writing still. 
in addition to this I have unfortunately fallen behind on my mortgage loan and i have been requesting help with my loan have tried to talk on several occasion to the person assigned to my loan and nothing, until i complaint again one called me back and said she would fedex me a package and nothing i keep writing to them via the internal messenger and its a total waste of time. 

it worries me that they are just waiting to add legal fees and file a notice of default to make it harder and more expensive for me to reinstate the loan, so far as of today i have fallen behind XXXX months. 

I need help with this and i need the lenders cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened a Lord and Taylor account on XXXX XXXX, 2015. I made an initial purchase in store, and was supposed to receive my card in the mail. Two months went by, and I realized that I never received the card. I called the Capital One/Lord and Taylor credit company and made a payment on the account, which I was assured was the full payment. They would not tell me my account information over the phone, and assured me that I would receive a card in the mail. Once again, this was never received, but since I had paid my account off in full, I figured that it did not matter. I just received my credit report, and it appears this account is over 180 days past due since I made my payment, and I still have not received any information about the account such as the card number or account number. In speaking with a representative over the phone, they told me that there was nothing they could do about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-22 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a credit card account with Capital One. My payments are due by the XXXX of the month and typically Capital One will report account information to the credit bureaus a few days after the payment is due each month. This is what occurred this month on approximately XXXX/XXXX/2015, when my account was updated to reflect the payments made and my balance reflected {$130.00}. I then made another payment which posted on XXXX/XXXX/2015. Capital One did not update my payment history after that payment. However, there was an issue with my bank and the payment was returned ( and subsequently resubmitted after the error was corrected ). I checked my credit report today and Capital One has now updated my XXXX report to reflect the balance of the returned payment even though they had already updated the reporting of the account at the beginning of the month to reflect my payments at that time which cleared with no problem. Consequently, this update caused a nearly XXXX point drop in my credit score. It is very clear that Capital One is electing to report the account at various times with the intent of penalizing me. They did n't choose to update the reporting when my balance was even lower yet they are choosing to do so when the payment was returned. This clearly shows that they are intentionally trying to damage my credit rating in an effort to have me resolve the returned payment ( which I have already done anyway ). This is not the XXXX time they have reported multiple times in a month. The account should be reported after the payment is due and not report again until the following month 's payment is due, which is accurate information. Had I not resolved the issue with the returned payment by my next billing cycle, then Capital One would have every reason to report it in this manner, however, they are opting to do so now before the billing cycle is complete in an effort to intentionally damage my credit rating and to penalize me. I am applying for a mortgage at this time and now have been denied credit due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently applied for a debt consolidation loan to pay off XXXX creditcard debts with Capital One, but I was told that the XXXX creditcard debts had been discharged. Capital One continues to send mebills every month and I send them checks for those cards. 
If the debts were discharged, the bank is allowed a tax deductionfor uncollectible bad debt, but they are collecting payments every month. How could the debt be UNCOLLECTIBLE? Each monththe statement shows a REMAINING balance. If the bank wrotethis debt off, where are my payments being credited too? 
Is the bank entitled to a tax gain, as per the write off, while stillcollecting payments? If not where are payments going?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In 2013, I settled a Capital One account with XXXX XXXX, I accepted and paid their settlement offer. Since settlement, XXXX XXXX has removed their entry from all XXXX of my credit reports and is no longer reporting debt. Capital One has also removed their account from my XXXX report but failed to remove it from XXXX and XXXX and has failed to update the balance. I would like the following : 1. Explanation as to why Capital One removed XXXX of XXXX reports and not all. 
2. What collection agencies have been assigned to the account. 
3. Proof the debt is still owed, including information from the assigned debt collectors. 

If Capital One can not provide me with the above mentioned information I ask that they delete their final XXXX entries from XXXX and XXXX. The debt collector is assigned by Capital One, it is Capital One 's duty to report accurate information. The assigned debt collector has removed their reports from my credit report and Capital One has removed this account from XXXX, they should finish by removing the other XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I was in a car accident in XXXX 2013. The car was totaled. I should NEVER have been billed for the insurance policy! I want this removed from ALL XXXX credit bureaus ASAP.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a car loan from capital one auto that was charged off in early XXXX. I entered in a settlement agreement in late XXXX to payoff {$2500.00} at {$150.00} a month. Capital one auto never updated my credit file with any of XXXX reporting agencies to reflect the new status. When i called capital one auto, they stated that they would not report the " true '' status until it was paid off. This is a clear violation of the consumer trust by refusing to report a positive status to the credit reporting agencies as away to maintain power over the consumer. I repeatedly asked them to update, they would not. Finally, i told them that i could no longer pay and they immediately reported my charged off account as 'delinquent '. They would not report a positive status but wasted no time in reporting a negative update which has harshly impacted my credit. This is a predatory practice and they should be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 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: CCS Financial Services, Inc.
State: CT

Complaint narrative:
Back in The XXXX 2016, I received a collection notice from Credit Collection Services for a debt of {$970.00} from XXXX XXXX and causality. I contacted Credit Collection Services to inquiry about the debt, I was advise from Credit collections services to send proof from DMV showing the date I sold the Vehicle that was covered by Nation wide insurance, I attached a copy of the plate cancellation receipt which was date XXXX XXXX, 2016, the cancellation notice on credit collection services for my policy with XXXX is XXXX XXXX, 2016. How can I be charge insurance with nationwide insurance for a vehicle that was sold 22 days prior. Credit collection services put this amount on my credit file with transunion on XXXX XXXX, 2016 and disregarded the attached document which was the plate receipt from CT state department of DMV. This is wrong.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a Car in XX/XX/XXXX and CapitolOne Auto Finance financed the vehicle. The Car was paid off in XX/XX/XXXX and I was never late on making a payment, however in reviewing my all XXXX of my credit reports capital one auto finance reported that I madone late payment. I requested the negative item be removed from all XXXX of my credit reports by sending challenged letters to dispute the XXXX negative item, however the item has remained on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, XXXX, 30 days XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A creditor left a voicemail for my co-worker telling her that I was being serviced with " legal '' papers and he basically threatened to get a hold of my HR department or someone else in my department. It was clear why he was calling, and now I am in trouble at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received a letter from Capital One that my account is {$100.00} delinquent. My account was charged off and given to a collection agency. The account was ultimately paid in full last week with confirmation of all payments. I have attempted to contact Capital One after receiving this letter but transferred to a voicemail. I have placed about 10 calls during the day to this number and all have been transferred to the same individual. I am attaching a copy of the letter received along with my response. The account has been paid in full, I have all documents from the collection agency, and I have all records showing history of payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am a victim of identity theft. Had a crazy ex that stole my personal information. She took the information and opened XXXX different credit cards. She then set up a XXXX XXXX and had the information sent to the XXXX XXXX so I never saw bills or statements. I was working XXXX during this period and she would go and cook dinner and clean up the house which gave her access to my checkbook where she simply took my checkbook and called and made payments. I stupidly did n't open my statements each month. I instead filed them away unopened until the end of the year and then I would pull them out and organize them for taxes. This is when I found out what she had been doing with the cards and checking account. I immediately called her and then I called the police department and filed charges against her. I also found out that she was MARRIED to someone XXXX. XXXX I contacted him and learned she had done the same to him and the one before him. She fled XXXX when I told her I took out warrants for her arrest XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Bank is being completely unreasonable. I was out of the country on XXXX separate occasions ( XXXX and XXXX ) and missed XXXX payments months apart. I had an average of {$15000.00} in my account during those months. The account had been open for a number of years and never late. 

I provided proof of these statements and Passport travel to Capital One Bank but they will not remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: Brelvis Consulting, LLC
State: NC

Complaint narrative:
In XXXX, I had inquired about consolidating my student loans with The Student Loan Help Center. My student loans had went to default and i was afraid that I wouldnt be able to get them out of default. So i called this company The Student Loan Help Center. They made me feel like they were going to help me get my student loans out of default. They ask for a payment upfront of XXXX dollars. I didnt have all of it at the initial conversation. So i paid XXXX dollars intially and setup XXXX payments for 2 months of XXXX dollars. I was very hesitant about giving them the money. But, they reassured me that if i was not happy with the service i would get my money back. I realized later on in the month that i was dealing with XXXX companies. They had to send my information to another company for processing. So which that would make them a 3rd party. So, periodically I would call The Student Loan Help Center to check on the status of the consolidation process. But, everytime I call they would tell me that everything was going fine and i should hear something back in XXXX. But, that was not true, it was not okay, because they sent me a letter XXXX XXXX, 2016, stating that the consolidation process needs to be reinstated please contact their office. So when i spoke to their Representative XXXX, he had to put me on a conference call with XXXX XXXX. I was angry that they did not let me know that this had happened. I done some research and found that my consolidation has been this way since XXXX. They never thought about notifying me about this matter. The Representative lied to me about this matter. I also had a chance to speak with a Manager XXXX, today he was very arrogant and threaten to take me to collections if i canceled with them. I asked them to provide me with a invoice copy of services. In which would in detail explain what the money was used for. He quickly explained that they do not have to provide that statement to me. I really felt like i got taken advantage of. I would really like to have this company investigated for fraudulent activity and obtaining documents without having a license to do so.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I cited my rights under the Fair Credit Reporting Act and asked Capital One Bank to provide me with full details regarding the proper timely billing of my credit card account. I asked them to provide proof that they billed me on time and that my payments were in fact late. Capital One ignored my request and insisted that they were correct in their billing efforts. Attached to this complaints are the letter that they issued in response to my request and the certified mail receipt dated XXXX XXXX, 2015.

Company response to consumer: Closed with explanation