vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/XXXX i had a auto loan with Capital One Auto Finance, i made all payments on time, in XX/XX/XXXX i lost my job, I call Capital One Auto Finance and let them know i lost my job, they told me to make one last payment in XX/XX/XXXX, then i can give back the car and i would not owe anything, i did what i was told, i never receive any bill for payment so i guess everything was ok, i made arrangements for them to come to my home and take the car, now XXXX later on my credit report there is a charge off account for {$6900.00} which is harming me from getting anything any credit. I do n't understand how Capital One Auto Finance can get away with such illegal stuff, they talk to me so good took the last payment and i let them come to my home and get the car. then put that on my credit.Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I called in to Evergreen Professional Recoveries to pay off an account they had under my name. I paid the balance in full, and was told that I would be receiving confirmation of this within 7-10 days. 

I waited 10 business days before calling back on XX/XX/2017. I was informed at this time that the letter had not been sent out, but it would be the following day, and that I should expect to receive the confirmation letter no later than Friday, XX/XX/XXXX. I waited until Monday -- still no letter. So I called again. This time, I was told I would be emailed the confirmation within 24 hours. I agreed that this was fine. 

Next day - no email, still no letter. I called in again and this time asked to speak with a supervisor in an attempt to expedite the process. What follows is my reason for submitting the complaint. 

First, XXXX came on the phone. She was rude, interrupted and talked over me while trying to explain what I had already been told. She would not let me speak, so I asked for her manager. She put me on hold for several minutes before returning and briefly attempting to apologize ( at least, I *think* it was some form of an apology ). She then placed me back on hold to speak with her manager. 

This man 's name was XXXX. He was equally as rude, combative, and unprofessional as XXXX. He never acknowledged the false promises that were made and refused to send me the confirmation email. 

I still have not received the confirmation of payment, which posted now 25 days ago.

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 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: TX

Complaint narrative:
I have contacted the credit reporting company, LexisNexis, and am waiting a final response. 

Dog bite claim description as follows : Our family was visiting relatives ( not on our property ) where our son was XXXX that was owned by another relative not associated with that property. The property owner took out a home insurance claim through their insurance, XXXX XXXX XXXX XXXX, to cover medical bills for our son. The property owner 's insurance company contacted the dog owner 's insurance company and worked out how the medical bills would be paid. Ultimately, all medical bills were paid by the dog owner 's insurance company, XXXX. At no time were any claims run through my current home insurance provider, XXXX XXXX. 

In summary, it was not on our property, it was not our dog, and we did not take out an insurance claim with our insurance company for the dog bite. I respectfully request that this claim be taken off my property claims report. 

Attached is a report from XXXX/XXXX/2016 showing the dog bit claim under dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Sierra Holdings LLC
State: PA

Complaint narrative:
Sierra Auto Finance has been calling me at my place of employment for over a year now. I was ( without my knowledge or consent ) put down as a reference on a loan by an individual that worked with me briefly. I have contacted the company four times to request that they not call me at my place of employment. They have continued to call looking to get a message to this individual. Today I called in reference to their last call ( XXXX/XXXX/15 ) where their agent left a voice message on my work voice mail. When I called and asked for their corporate address the rep I spoke with, XXXX, refused to disclose this information and instead repeatedly asked for my information which I repeatedly told him he was not going to get. I was then transferred to XXXX, a manager, who disclosed the company address but refused to disclose who the current CEO of the company is. I finally gave my work number and explained the situation and she stated she would add the number to filter so they would n't call again. However this is exactly the same thing I was told last time I had to call this organization XXXX XXXX of 2015 ). I find their unwillingness to disclose publicly available information discourteous at best, and at worst fraudulent and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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: CO

Complaint narrative:
I am receiving letters and phone calls from collection company over a debt that is not mine. When first received letter I called the company to obtain information on the debt. I told them I was not the person they were trying to collect from. I had never lived at that address and have never had XXXX insurance. The person taking the call said she would remove my name, address, and phone number from the collection. She stated that had sent several letters of collection to everyone in state with the same name. I have since received 4 more calls and have called them twice more each time they have stated that my information will be removed and letters and calls will cease. Again today I have received a call from the collection agency. At this point I am considering it harassment for the continued calls on a debt not incurred by myself. I have received or returned 5 calls to them since collection letter and each time they tell me they are removing my information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I received my credit card bill with a non cash advanced interest charge. I contacted the card company at XXXX on XX/XX/XXXX and spoke to XXXX. She stated the system was down and could not help me and to try after lunch. I called back at XXXX CST The system was still down. 
I called back today XX/XX/XXXX at XXXX the automated system said the system was down. I searched to find a non XXXX # I called XXXX and got a live person, XXXX. 
XXXX stated that the system was down being updated. 
I told him I was skeptical and wanted to close my account if I could not get an answer. He stated to call back around XXXX EST. I wanted to close my accounts but could not because of some technical issue on their end, is n't that illegal? I am accruing interest charges and can not stop it, and they can not tell me why they are charging me interest ( I pay in full ) so I do n't have any recourse. I want them to be investigated, I think they may have been hacked and are keeping it a secret.

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 2015-11-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
ex-wife took daughter to hospital without my knowledge, I pay for medical coverage for my daughter.Ex-wife signed financial paperwork at hospital and never paid uncovered costs. collection agency immediately reported to my credit report of failure to pay for uncovered costs. I never entere into any contractual agreement with hospital to pay uncovered cost and I never received any bill from hospital or ex-wife and never received any verbal or written notification from collection agency. I contacted the credit agency and made a complaint and they came back and said that collection agency had documentation proving that I was a responsible party. The collection agency has never provided me with documentation of what was owed or who it was owed to and for how much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased XXXX items from Kohl 's using Kohl 's Charge Card online ( order # XXXX XXXX. I refused delivery with the carrier and the items were returned to Kohl 's. Kohl 's has refunded XXXX item but refuses to refund the other item and Kohl 's Charge refuses to reverse the charge. I never got possession of the item so expect the charges to be reversed. There were purchased together and shipped under the same tracking number and where refused delivery at the same time. So I am puzzled why Kohl 's have decided to reverse the charge for XXXX but not the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I get between 4 and 9 calls a day from kohl 's dept store..now their caller id went from kohl 's to XXXX. ..they call from XXXX to all hrs of the evening. ... I am having serious financial problems and am in forclosure..I am doing my best to pay my bills and the constant phone calls cause alot of stress

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am the Payee Upon Death on my aunt 's account. I called Capital One Bank for the procedure to have funds disbursed. I was told to go into the branch to retrieve funds. I explained that I live in XXXX and was told that I had to send her original death certificate and a Letter of Instruction to the branch where the account was opened, which I was told was the branch located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I sent the requested documents via Priority Mail on XXXX/XXXX/XX/XX/2015 to that location. Since I was told that the funds should be disbursed about a week after the bank received the documents, I called the XXXX XXXX branch on XXXX/XXXX/XX/XX/2015 to verify if the documents were received, and when would the funds be disbursed. I was told that the XXXX XXXX branch was not the origination branch, and the origination branch was located at XXXX XXXX XXXX, XXXX, XXXX and that the XXXX XXXX branch had forwarded the documents to the XXXX branch. I asked when and was told that they just sent the documents, and did not make a record of when the documents were sent. I then called the XXXX branch to see if they had received the documents and was told they had not received the package. It appears that my original documents are nowhere to be found, and no one has a record of receiving my documents. I took me about XXXX weeks just to get the procedure, and now it is taking extra time to try to figure out what happened. What I am requesting is that the funds, which are mine, are disbursed to me. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i ahve yet to have the capital one issues resolved appropriately p XXXX lease have someone from viriginia contact me not someone else who does NOT address what i am asking to be addressed. various issues remain unresolved re credit and a business checking acct i can not use my accounts til addressed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 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: TX

Complaint narrative:
Received a bill addressed to somebody else 's first and middle names, and my last name. Clearly not my bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
Statue of limitation has passed on the item in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
On XX/XX/2016. I started an application for a mortgage with Cardinal Financial Company , LP dba Sebonic Financial. I was charged XXXX dollars to order an appraisal on the property I was buying. On XX/XX/XXXX, before the appraiser was even ordered by Cardinal Financial. I changed my mind about working with Cardinal Financial, and asked them to cancel my appraisal, and reverse my charges. 

On XX/XX/XXXX I received an email from XXXX XXXX, the loan originator I was working with at Sebonic. 
He wrote ; " Not ignoring this request, I 'm just waiting on confirmation that your appraisal refund has been processed and will follow back up with you. Hopefully, everything is going well for you '' We 've been going back and forth. Him telling me the refund was being processed, and I saying that I have not received it. As of today XX/XX/2016. I have yet to receive a refund from Sebonic Financial.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
After repeatedly attempts of me telling them no. I ca n't make out start a payment today, I got transferred to the manager on duty. Right of the bat she spoke to me as an inferior. She would ask questions while taking but not stopping to give me a chance to answer. When she did stop I would start to answer the first party of get questions then she would start back up and start taking over me talking. I asked her to let me answer and she would just keep talking over me and not let me get one word in. I was getting really frustrated. I mentioned I was thinking about filling bankruptcy, she accused me of lying and she said she sees no record of me following filling XXXX, as I try to explain that I have n't filled, she starts again talking over me. I then had to start talking over her so that she could understand what I am going through. She stopped talking and told me that she can tell by the way I am on the phone why I am the type of person that is in collections, and owe purple money. I told her she insulted me. She did n't offer an apology, I asked her at least 4 times to not contact me and that I ca n't pay at this time. She then just hung up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I recently moved and as a result changed my address on my tjx mastercard through synchrony. Since that time ( 1.5 months ), my card has been frozen along with all access to any information. No representative will tell me what is going on ; however, am being forced to pay my monthly bill without being allowed to know what the charges for the respective statement period are. I was told that I do not have to pay the bill in full and can just make the minimum monthly payment. They refuse to tell me what is going on. This is extortion

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 2015-05-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The credit card company formerly known as GE Money Bank who services several of my credit accounts randomly and without warning cancelled or closed paid accounts and lowered credit limits on my credit accounts without cause. I have never been late on any of my accounts and in fact have a monthly automatic payment set up on each of them. Because of this action my credit score has been harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My husband got a new job and he was paid monthly at the end of the month. I started paying all our bills at the end of the month. Synchrony Financial has charged me late fees since XXXX 2016, even though I made payments and paid over the minimum payment some months. In some of the months, I made two payments, one at the first of the month for current statement and one a the end of the month for next statement. However, the second payment was not applied to the next billing statement, even though it was made after the required due date from the previous statement. I have now incurred over {$200.00} in late fees, but have been paying every month.

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 2017-03-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I recently paid my credit cards off and when doing so some of the companies lowered my credit limits I could understand if I was late but from XXXX to XXXX and XXXX to XXXX but balance is XXXX and limit went down {$110.00} and the other is completely closed now. I also had never received my XXXX card when they switched from XXXX to XXXX and when I finally did they sent one to my XXXX my brothers XXXX and who knows where else. I also changed the image on my XXXX and one got sent back to the company one came to my XXXX and the otherwent to my brothers XXXX XXXX My brother brings them to me when he comes down to XXXX but there has been a lot of weird activity and cancellations of my accounts.

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 2015-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX INAlert Date : XXXX : EQUIFAXCompany : XXXX XXXX XXXX INPayment Status : UNPAID ( UNPAID ) Status Date : XXXX : $ XXXX Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXX XXXX therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX XXXX XXXX XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge XXXX or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation