vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XXXX/XXXX/17 I was notified by my XXXX carrier, Capital One Bank, of {$4000.00} in fradulent charges to the XXXX online store. My XXXX had been hacked and my identity was used to make the purchases. The hackers were able to change my password, lock me out of my XXXX, manipulate my e-mails, remotely print out a gift card from my XXXX and foward my telephone calls to a bogus cellphone number in order to keep me from discovering the hack. In investigating how this could occur, I discovered that XXXX enters into surreptitious ( probably financial ) agreements with certain vendors to provide them with updated credit card numbers without the knowledge or consent of the cardholder ( also true apparently of XXXX and others ). They call it the " XXXX account updater ''. That process is what allowed the fraud to occur, as XXXX did not have an active card on file for me. The charges should have been denied, and that would have immediately ended the fraud attempt. XXXX told me on the phone that I could " opt out '' with the issuer ( Capital One ). Capital One said it was XXXX responsibility. In a three way phone call that I initiated that included myself, XXXX and Capital One, they just argued about who had responsibility. The Capital One rep denied even knowing about the updater procedure, and actually said at one point that someone at Capital One that neither I nor he " would ever be able to talk to '' may have entered into such an agreement. Neither would reveal the opt out procedure to me. It seems to me that these behind the scenes deals made without the consumer 's knowledge should be outlawed. At the least, we should be able to " opt in '' if we view this as a personal convenience ( beyond the huge convenience that it obviously provides for the vendors ), and at the very least there should be a clear and easy way to " opt out ''. For the consumer, who is at risk of monetary loss as well as massive inconvenience, to be excluded from the decisionmaking process regarding the release of his personal information is completely outrageous. 
I filed a complaint with my state 's Attorney General 's Office Of Consumer Protection, and they advised me that your department has oversight on these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I contacted Capital one late XXXX to complain that a credit card I had that was discharged during bankruptcy I filed during XXXX was discharged at that time. I was contacted by phone and in writing that this was an error and the item ( Capital One Credit Card charge off ) was removed from my credit card. I received notification in XXXX of XXXX that Capital one has once again " re '' reported this to the credit reporting agencies. This has caused me to pay deposits, turned down for lower interest credit card offers and made it impossible for my borrow money to make home improvements to sell my home. See below for how these accounts have been reported to XXXX. XXXX and XXXX are reported in similar fashion based on my understanding of reports ( see below ). 


CAPITAL ONE BANK USA XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late CAPITAL ONE BANK USA XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
The car was a voluntary repo back in 2008 and should be reported as closed and not an open collection file on my credit file, several attempts made to correct my credit file and the file should not be reported since its over 7 yrs old.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 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:
I have contacted this company 2 times in writing requesting written proof of my signature showing that I owe this debt. I have waited over 60 days and have heard nothing from them proving this debt is mine. They are violating my rights by not being able to furnish proof of signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
We had a Capitol One Credit Card. My wife had XXXX, and we realized we were over our heads with credit cards, so we turned them all over to XXXX. It has been great, all show current on our credit report, except for Cap. One. They refuse to change their status to closed, they show they utilize 43 % of our income, so we can not get a home loan from anywhere. They say their policy is to show it open and late until it is paid off in full. Their balance is over {$400.00} and we can not pay it in full right now. They kept us from getting a bank home loan and a USDA home loan, I have spoken to everyone I can get to at their offices with no help. They wo n't change it, even though they have been paid their required payment each month for almost 3 years on time each month. We are in our XXXX. We live in a small rental trailer that is very old with a lot of issues that pose problems to our health, well being and finance. We want a small home of our own. When we applied to USDA the first of this year, we were turned down because of this one account. They refuse to show that they have been paid and are being paid through the consumer credit service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
They keep calling me at work and I have asked on 3 different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have several XXXX credit cards with Capital One for several months during which I have maintained my credit in good standing paying the full credit balance in most cases and always paying on time. I wanted to give my kids the option to begin credit and finance education early, so I called Capital One and asked them if they have a program to add my kids to my account as authorized users to have their own cards to use at school or when they go out. They welcomed the idea and told me that they certainly allow that and were eager to collect my kids information including the dates of birth, SSN, and names. Then they told me that the cards will arrive shortly. a few days later Capital One restricted access to my card. I was treated with total unprofessional way to say the least and was accused with fraud, insulted, and the representative hung up the phone on me. I called again and a manager was very nice and apologized and informed me that I need to send copies of my kids IDs and SSN, and I did. The next day I found out that the earlier representative had actually closed my account without my consent and without reading me the required disclosure and had done so after he actually hung up the phone with me based on the time stamp of the call log which he should not have been authoirzed to continue accessing the account after he terminated the call. I called the following day and spoke with fraud account manager " XXXX '' who apologized and confirmed that the representative closed the account after he hung up the phone with me and he should have read me the required disclosure. Then I found out that he also restricted the other credit account I have with Capital One which was not even subject to the conflict. XXXX asked me to review the documents that I had previously sent to manager " XXXX '' the day before to help reopen the first closed account and remove the restriction of the second account. then she came back on the line and said that the department that would review the call recording to determine the wrong doing by the first representative is closed on Friday and promised to call me back Monday by XXXX XXXX. I called today when she did not honor her promise to call only to find out that they closed the second account completely as well. when asking about the reasons, they said we could do so if we want to at our discretion. I expressed that I have not done anything wrong as I called and asked Capital One before making any account changes and they were the ones that added the authorized users and then closed my accounts which were maintained in good standing the whole time to the extent that they increased my limits automatically several times from {$300.00} to {$5300.00} which would never have been the case if the accounts were poorly managed and there should have been no justification for the way these accounts have been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
I recently received notification via us mail from credit collection services a collection agency for XXXX cable ... I do n't owe any such debt.. this account has been sold twice in XXXX days by XXXX..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 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: FL

Complaint narrative:
DIVERSIFIED CONSULTA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : 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 DIVERSIFIED CONSULTA 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 including : 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 : DIVERSIFIED CONSULTA or 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 XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 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: MI

Complaint narrative:
In XXXX, our family " bundled '' our XXXX wireless and internet accounts. In XXXX 2016, XXXX internet send us notice our service was canceled due to an unpaid amount. This amount included the XXXX wireless service, which had been paid in store. XXXX internet sent us notice we still owed over {$500.00} for the internet, even while our bill never was more than {$50.00} monthly ( we were also not 30 days late ) for the service. XXXX internet then sent us notice of their collection for the entire amount, even though they admit they could not verify their claim. 
XXXX internets improper, ilegal collection activity has complicated and limited our ability to obtain a home mortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
original account number was charged in a Chapter XXXX bankruptcy in XXXX XXXX # XXXX, then again in XXXX XXXX # XXXX. Because it gets sold and put back on. Since I have had it removed from my XXXX credit report and working on the other XXXX agencies, now the debt collector has decided to contact me, and say I owe the money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I 'm currently in contract to get a home loan a debt came up on my credit report from diversified collection agency which I contacted and they explain to me is from a time warner account under the name of XXXX XXXX which is not me my name is XXXX XXXX. This agency said my social security was used to open this account and they received that account from XXXX. I contacted XXXX they assure me and confirm that account was not open with my social security number or my name and I 'm an not affiliated with that account at all and they do n't know why that collection agency is trying to collect from or why they are saying my social security was used to open the account. There 's no fraud committed the only fraud I see is this collection agency pinning this debt on me. I believe is because yes I went through collection for a minor amount about 8 years ago and me and this person have the same last name so they picked my social security number to pin this on my credit report. So I was forced to pay the debt in order to make sure I get my home loan. But I did it in a dispute with XXXX which suppose to contact that collection agency and confirm that debt is not mines. I explain that to the collection agency but they still think is me I told them I want my money back asoon as this clears out. It seems like this collection agency do n't want to hear me out. It is not right what they are doing I 'm more upset about not getting this loan for my first home because they decided to mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: MB FINANCIAL, INC.
State: PA

Complaint narrative:
When I try to look at my payment history ( for my mortgage ) I receive a message that this data is not available. This has been going on for several weeks. When I call they offer to print one out and e-mail, but I tell them I want to view online and do not want to call them every time I need a schedule. The say they will investigate and get back to me but never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES
State: TX

Complaint narrative:
I submitted complaint after I paid XXXX late fees and balance show up on my account to Provident Funding www.provident.com about why I have XXXX late payments fee after I travel out of town. No response to my complaint. I thought that I paid on XXXX XXXX I should be fine by now as soon as I pay on time from now on ( I even just paid the XXXX late fee ). But today I login my account to pay for this month Mortgage and find another late fee show up again. 
The account say payment is due on XXXX XXXX, 2016. I call them they told me that they ca n't do anything about the late fee. I paid it and printed the confirmation. Now I try to see what will appear on my account now? Even though I get confirmation from their website saying I have paid and transaction completed, it still show payment is due on XXXX XXXX, 2016 and it says YOUR SUBMISSION PROGRESS : INCOMPLETE. I am afraid that they will charge me late fee each month even I pay in time each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Advance America, Cash Advance Centers, Inc.
State: MS

Complaint narrative:
I AGREED TO MAKE PAYMENTS ON AN INSTALLMENT LOAN ON THE XXXX OF EACH MONTH THRU AUTOMATIC BANK DRAFT. THE COMPANY HAS BEEN SENDING THE DRAFT THRU ON VARIOUS UNAPPROVED DATES THROUGH OUT THE MONTH. IT WAS SENT THROUGH ON MY HUSBAND PAY DAY WHICH HAS NOTHING TO DO WITH ME AND ALSO IT HAS BEEN SENT THRU ON OTHER RANDOM DAYS OF THE MONTH. THESE UNAPPROVED TRANSACTIONS HAS COST ME SEVERAL NSF FEES AND INTERFERENCE WITH OTHER BILLS. I HAVE EVERY INTENTION ON PAYING THIS BILL BUT WE NEED TO STICK TO CONTRACT OF ONLY BANK DRAFTING ON THE XXXX OF THE MONTH. I SPOKE WITH MY BANK ACCOUNTANT AND WAS INFORMED OF SEVERAL THINGS I COULD DO TO STOP AND REPORT THIS MATTER. IT IS NOT FAIR TO ME TO HAVE TO ACCUMULATE ALL THESE OTHER DEBTS BECAUSE THIS COMPANY IS CONTINUOUSLY SENDING MY DRAFT THRU AT THEIR DISCRETION. THAT IS SO UNFAIR AND ILLEGAL. PLEASE HELP ME WITH THIS MATTER. I HAVE RIGHTS TO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I obtained a home mortgage through XXXX several years ago. My mortgage was recently sold to Nationstar mortgage. I received a notification by mail that Nationstar will share my personal data such as my social security number and income, my account balances and payment history, and my credit history and scores with other business for marketing and information purposes and I can not opt out. This is a company that I did not choose to do business with. I do n't want my personal information shared by a third party. I do not believe that this should be allowed. Please advise.

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 2017-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC
State: MI

Complaint narrative:
After much time spent with this company on the phone and e mails, trying to force me to borrow more than I wanted too, we finally came to an agreement on a mortgage. At this time a closing was scheduled and kept on XXXX/XXXX/2017. 10 days after closing they called me and said they never received the mortgage papers and did not know where they were or what happened to them. At this time I did what I could to protect myself and stopped payment on the check I had gave to the person they hired to do the closing. Since this time they have continued to call me numerous times per day trying to force me to continue with the mortgage. This has been going on for over week now to the point of harassment. Now tonight XXXX/XXXX/2017 the escrow company called and informed me they went ahead and deposited the check any way knowing I did not want to do business with them or loan depot. This has got to be the most devious and unprofessional business practice ever perpetrated against someone. I hope this information is published so others will not have to go through the deception, harassment, and devious games this company plays.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I had a business account with XXXX XXXX XXXX XXXX. Asked XXXX XXXX XXXX to close the account and send me invoice for balance because I transferred to XXXX XXXX. XXXX XXXX XXXX never sent me an invoice. They sent it to collection without sending me an invoice or notice. The collection agency the balance was sent to is called " Diversified Consultants ''. Diversified Consultants never sent me an invoice or notice stating my account was in collections. Diversified Consultants reported the collection to the credit bureaus. I was never given a chance to pay the balance. I have never had any issues with making payments as my track history can show. Very difficult to get the collection agency to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MD

Complaint narrative:
My wife and I never applied for any health related magazines or books. XXXX used to and now RMCB collection agency from XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX mailed us a letter for debt collection. 

This is fraud!

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