vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I went to court, they said they would schedule another meeting or cancel the debt. If one was even sent I did n't get the notice because I moved. They do not have enough evidence to state that I owe that money. The statements as proof that they provided did not go as back to validate the debt they are claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear sir or XXXX, I 'm weighting this in regards to my capital one credit card I 'm XXXX or 2016 I become ill under the care of a Dictor and XXXX by the Doctior I was having some serious health issues that I 'm only know barely recovering from. Buy the time it was done I apparently missed two payment and they say a third one but that information is in correct the statement come out on the XXXX and I paid it on XXXX XXXX so a complete thirty days did not pass. 
i did notify my credit card company of my desabilty and how it was keeping me from working..they stated no problems XXXX XXXX we have a program to protect you while your XXXX is n't well, i said " great thank you ". So much Starting in late XXXX when I contacted them. The following month.i did n't receive a bill in the mail, as well as XXXX and XXXX. I had figured it was all under the program the customer service rep had enrolled me in I thought at the time he had said everything will be on hold tell you are better and at that time call us you can make a Payment. Was was very relieved to her this.i called on XXXX first and made a payment just as I had promised. When I made the payment. I was Informed that thag was n't the case and I had been charged for all the months with late fees. Explaining my situation heavily medicated at the time.and what my account was on hold per the gentleman I faked to, stared no it just does n't build intrest and lower your Paynent. I was cocked!! the lady explained I spoke to a manager they returned all the late fee. Again I was thrilled. I descovered there is a 60 day late on my credit report and maybe a 90 I told them all this they reven so they seen there fault and miscommunication of felt do to me being sick and desabled in and out of the hospital that they would remove the late payments but not the credit reporting ones. This is unfair I did what I was told they say they mailed bills now but I never recieved any. Stating you knew you had a bill in your mind.i I had to laugh honestly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I went to the payment office at JD Byrider at XXXX, ohio XXXX. I have been a paying customer there for 3 years, I am purchasing 2005, chev cavalier. ( my payment was refused ) The total amount of my loan was {$12000.00} plus mis fees and interest. My loan is now under {$2500.00}. At this time I have been making double payments due to some missed payments in the past. The contract is written to pay {$180.00} biweekly. For the past several payments I have paid {$360.00} every 2 wks to get caught up. This day on XX/XX/XXXX I only had {$300.00} to pay, however, my payment was refused all together, I was asked where is the car they are coming to repo it. Due to the fact I have been making double payments in the past no payment no matter what amount I have should be refused. 
I said so you are refusing my payment and the lady said yes we are reposing the vehicle. 
Since I have purchased another vehicle, I am making 2 car payments a month totaling over {$600.00}. The reason I still have the car from jd byrider is because it is not worth what is owed and when I purchased my new car they would not take my car as trade in they stated not worth the hassle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, Capital One Account : XXXX their Case No : XXXX, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus XXXX were required by the FDCPA to cease collections until the debt collector obtained verification of the debt and said verification is mailed to the consumer. Validation was never provided. XXXX failed to cease collections and filed suit in small claims court violating Federal Law. 

The only document provided to the consumer was through an attachment to the suit, filed in small claims court, Complaint - Breach of Contract referred to in the complaint as " the Agreement ''. " the Agreement '' fails to meet the litmus test for validation. " the Agreement '' consist of pages XXXX thru XXXX of a PDF that can be downloaded by anyone at the url XXXXIn the matter XXXX v. XXXX, XXXX XXXX XXXX ( Ind.App. XX/XX/XXXX ) : According to this case, the debt collector must, at the very least, provide a full payment history and an explanation of how any additional fees were calculated. 

In the matter XXXX vs. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ) : " It is unfair to consumers under the FDCPA to hide the true character of the debt, thereby impairing their ability to knowledgeably assess the validity of the debt. " Although these cases differ in nature they confirm at a very minimum an itemized accounting of how the total amount of debt was calculated including fees and interest should be included in a debt validation. Additional debt validation should include account statements from the original creditor, payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor. 

XXXX having provided the consumer only a PDF that they refer to as " the Agreement '' by means of attachment to the complaint failed to meet Section 809 of the FDCPA [ 15 USC 1692g ] therefore invalidating their suit Complaint - Breach of Contract. Plaintiff 's Counsel was forbidden under Federal Law and precedence set forth in Case Law to proceed with the suit Complaint-Breach of Contract. XXXX XXXX County Florida Small Claims Case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Worldwide Processing Group, LLC
State: TX

Complaint narrative:
I was contacted today by XXXX ( extension XXXX ) from XXXX XXXX XXXX XXXX and advised that she was calling in an attempt to collect a debt. Knowing I have no accounts in collections or accounts with debts owned on my credit. I could only assume this involved the previous debts I disputing with XXXX in previous CFPB complaint XXXX and XXXX. XXXX confirmed the XXXX accounts had recently been purchased and wanted to know when I would be making payment. I advised the her company purchased fraudulent debt and the amount I was being accused of owing was already in dispute with the FTC and the XXXX, and issued her complaint numbers. She did not care. XXXX was never able to validate the debt they said I owed yet were able to sell this supposed debt to another agency. I humbly ask XXXX to break this cycle of buying and selling fraudulent debt and resolve this issue once and for all. In the mean time I will be issuing a certified letter to cease and desist communication attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capitol One keeps reinserting a delinquent account that I was an authorized borrower on. They are reporting it as a joint account and it was never a joint account. I have a current capitol One account that has never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Unauthorized MONTHLY credit inquires for credit card approval

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have paid my capital one bill and they are reporting me late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I applied for a Quick Silver credit card with Capital One which is for people with Fair Credit as reported on the web site. I was declined based on information they stated is from XXXX credit bureau 's, ( letter Attached ). 
I have contacted both bureau 's that are listed in the attached file and both are saying Capital One 's information is not correct based on the reasons they list. 
After contacting Capital One 3 times asking them to please review my application again and explaining the reason they continue to decline me for the same reason as stated in the attached file and continue to state that that information they have from the XXXX credit bureau 's. 
I presently have NO past due accounts and have XXXX revolving credit accounts to include a ( Capital One 's account since XXXX ) which was given XXXX credit line increases since opened, the last XXXX was in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I bought a car back in XX/XX/2016 at XXXX XXXX, I was told that the term was for 72 months starting XX/XX/2016 at a rate of 4.99 % I financed {$15000.00} and my payment would be {$250.00}. However as I was making my payment today I noticed my term set with capital one auto was 73 months. This is suppose to be a fixed rate loan but the interest I 'm being charged fluctuates month to month which does n't makes sense. So I spoke to XXXX a representative and she told me they calculate the interest as simple interest payments which was never told to me so over the course of the loan since XX/XX/XXXX I 've paid {$460.00} year to date. When I calculated my payments {$15000.00} with a interest rate of 4.99 % = total cost of car loan {$18000.00} over 72 months would be a monthly payment {$250.00}. So that means my interest charge should be {$2500.00}. On my contract they have interest charges as {$2500.00}. This to me is cheating me out of my money on interest and penalizing me for paying my car payments early As it seams they are trying to collect their interest within the first 2 years of the loan. So if I ever refinance their interest would have already been paid but my principal would have hardly moved making me pay more interest on principal with another lender if I 'm not so lucky to get another loan with a lower rate. My credit score is n't even terrible so not sure why my rate was so high to begin with they claimed cause it 's a used car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I did not authorize the credit inquiry dated XXXX/XXXX/2015 to Capital One Auto Finance and ask that this inquiry be removed immediately as I did not authorize it and is a fraudulent Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recoveries has been contacting me repeatedly on both my cell phone numbers as well as my home phone number daily, for over a year regarding an aged debt. After verifying the original date of delinquency from an older credit report, I then compared it to a more current XXXX and saw that the debt had been re-aged. I immediately disputed the validity of the debt with the credit bureaus who moved the account earlier in 2015. The calls had stopped temporarily, then started again and it began relentless. I even told the person the debt was aged and they continued to call. At XXXX point, I said that debt was no longer mine with the though process that since the debt was no longer collectible, that would be the correct tactic. To no avail, the calls will not stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company continues to make negative impact and violate both FDRA law and FCRA law while not and refusing to remove debt having zero to do with me or agree to validate supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Debt is to my ex wife as stated on my disillusion. I have told them probably over 60 times in the past two months and gave them her number. I have asked them to stop calling and they continuously call at all hours of the day. They have threatened to call my parents who are n't even apart of the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery has sent me mail about debts that were part of a bankruptcy that got dissolved. I took their initial calls and stated that when I recognize I still owe the debt and to contact me by mail for any future collection efforts. For the last 6 months I receive multiple calls per day, 7days/week from various numbers. I am not able to answer them. I have gotten reports from family stating that they are now receiving multiple calls asking for all kinds of personal information, not just an address. Since requesting them to mail me anything I have not received one letter from them, just constant phone calls. I have an entire list of their numbers blocked in my phone. I am going to be sending a certified letter to cease communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I have been trying to call Flagship for two days. I called XXXX and they transfer me to XXXX which no one answers. On XXXX XXXX, 2016, I was on the phone on hold from XXXX to XXXX XXXX EST. I was not able to talk to a representative. I want to talk to a representative to negotiate a payoff of my account so I can re-establish my credit.

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 2015-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
After I told them on XXXX/XXXX/15 that I hold POA for my mother XXXX XXXX they called her anyway on XXXX/XXXX/15 and harassed her for the money. She is XXXX old and has XXXX. I told them this on XXXX/XXXX/15 and yet they called her anyway. This is entirely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
On or about XXXX XXXX, 2015 at or about XXXX I receive a telephone call from Port Folio Recovery and Associates [ ( XXXX XXXX XXXX ] in an attempt to recover a debt. I at the time received the call on my cell phone while attending worship services. All of my home phone calls are forwarded to my cell phone when not at home. 

I asked the person on the other end of the line exactly who they were and why they called on a Sunday morning. The person identified herself as XXXX an agent of the company and informed me that she can call any day of the week including Sundays in an attempt to collect a debt and that she was not in violation of the Fair Debt Collection Practices Act. 

I informed XXXX that my interpretation of the law was different from hers and that I would take appropriate action to rectify this use of unrestricted power of calling an alleged debtor on Sunday morning while in worship services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The former debt that is being collected on was dismissed in a bankruptcy. I have told the callers many times, and now I am receiving letters. 
What can I do to stop this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
I have not lived with my parents for over 20 years and they called my father at his work. I have had so many letters and calls from these people over the years XXXX and I find it hard to deal with. The company Portfolio Recovery has 4 collections on me totaling almost {$2500.00}. In the past I have tried to call and they are not willing to work with any type of payment plan for someone on foodstamps with low income. I have no idea what companies or debts they represent. They fill up my credit report and make it hard to find a home, job, school loans.The continuous letters and harassment have led me to feel consumed with fear, worry and anxiety. I tried to buy a home recently and was crushed to find out my credit score. I am a person with XXXX and the hits on my credit and all the continuous harassment mail and calls XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Receive daily calls from a company named Portfolio recovery. The first time which was 2 months ago I was met with threats of legal action, but I do n't know what the debt is for and could not receive an answer over the phone. Furthermore, they have called relatives in other states, claiming they have to pay my debt if I do n't pay. Please stop this company from harassing people who are debt free.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
repeated calls from without leaving a message from a number i do not know XXXX. I finally answered and it was someone claiming to be from XXXX XXXX trying to collect a debt from XXXX years ago and wanting me to submit payment over the phone of {$1800.00}. This debt was charged off according to the caller, however, i have no recollection of even having a XXXX XXXX account then. I keep up with my credit report regularly for several years now and have not seen this at all. I told XXXX that I am not submitting any kind of payment over the phone for a debt I know nothing about and asked no one call me again about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX XXXX, XXXX Office of Consumer Financial Protection Bureau Dear Sir or Madam, I am requesting that Toyota Motor Credit Corporation be reported into the category of companies that are using deceptive and unfair business practices against American People. 

In XXXX XXXX, I contracted a car loan with Toyota Motor credit to purchase a car XXXX XXXX with XXXX # XXXX for a length of five years contract in XXXX XXXX XXXX XXXX, California. 
In XXXX XXXX, when I lost my job due to the Economic recession, my car was repossessed after I missed a payment with a remaining balance of the amount of {$1500.00} to paid off my auto loan. 

XXXX never responded to my inquiries to know how much my car was sold? What have they done with my belongings ( XXXX )? 

After almost after 14 years, I am still paying thousands dollars of hoax interests to this group of XXXX Toyota Motor Credit and their corrupted collecting agency law office of XXXX. 

I am asking to the CFPB to request from Toyota Credit Motor on my behalf, the legal copy of the document of the sale of my repossessed car ( XXXX XXXX with XXXX # XXXX ) with the amount that the car was sold in that year. 

IF Toyota Credit Motor refuse to show this documents, then the CFPB must give order to Toyota Credit Motor to stop its deceptive collection business practices on my account. 


Sincerely, XXXX,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery continues to report a debt on my credit report that does not belong to me. They are calling and harassing me to to pay or settle an account that does not have my social security number and that belongs to a business called XXXX XXXX. I have never given XXXX XXXX expressed or written permission to establish credit with my social security number. I have written the credit bureaus and the creditor numerous times to remove this erroneous information from my credit report and to validate this account or to cease and desist from collection activities. I have yet to receive any validation and both Portfolio Recovery and the credit bureaus refuse to take any corrective action.

Company response to consumer: Closed with explanation