vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My credit card payment with Capital One is due on the XXXX of each month. While having this card, I 've paid it off XXXX and I 've made all payments before the due date. This month ( XXXX ) I called the credit card company and made the payment from my checking account with a representative. I was informed that my payment was late because of their XXXX cut-off time to receive payments. My problem with this matter is the fact that the credit card company received the funds from my account on the XXXX, they will not post it until the XXXX or XXXX before XXXX. How is it legal for a company to receive the funds for an account and withhold posting to that account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been trying for over two months to close an online savings account my late mother had with Capital One. By way of letter dated XXXX XXXX, 2015, I sent the bank a letter of instruction, along with an official death certificate and an original court -issued letters of administration. I received the originals back, along with a letter from the bank dated XXXX XXXX, 2015, indicating the information was being forwarded for remaining account settlement. After waiting a month, I called Capital One, and was told the department handling the account had no record of receiving my information. By letter dated XXXX XXXX, 2015, I once again submitted a letter of instruction, which included a recounting of the above information, and my extreme displeasure with how Capital One had handled the matter to date, along with the XXXX original documents, and waited again. I called today, after waiting yet another month, and was told these amazing things : that they needed a notarized letter of instruction from me, a " requirement '' heretofore never relayed to me, ever, and, that they had tried to reach me by phone without success, a particularly remarkable bit of fiction, considering I provided my correct phone number in my correspondence, and have never received a call from Capital One. Unbelievably bad customer service. I provided an email mail address as well to them in my letters ... nothing received from them of course. Now I must, for the third time, draft a letter to them, have it notarized, and send it off. Perhaps the third time will be the charm. I am so happy I do not bank with Capital One. They do n't seem to understand the money they get to use and manage does not belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
( 1 ) On XXXX XXXX, 2016, I placed an order with a merchant named, XXXX XXXX XXXX XXXX , XXXX ( " Merchant '' ), so that a personal service of process of legal documents could be performed. 
( 2 ) On XXXX XXXX, 2016, XXXX XXXX XXXX XXXX , XXXX informed me via email that they did not receive the order I placed online for the service of process that I requested. 
( 3 ) In a subsequent phone conversation with the merchant, I informed the merchant that, since the order was not received by them, that I wanted to cancel the order. 
( 4 ) Upon cancellation of the order that I placed and after the merchant collected my credit card information, merchant leaves a voice message and informs me that as the order was initiated and that a large number of copies were printed for the service of process, that I was going to be charged for the order even if the service of process was not complete. 
( 5 ) Merchant misinformed me as to whether he received the order that I placed. Merchant collected my credit card information and because the order was canceled after merchant informed me that he did not receive my order, he proceeds to charge me in the amount of {$58.00} for an excessive amount of copies that did not have to be printed as merchant alleges. 
( 6 ) The service of process was not properly being completed by merchant as the original order indicated that the attorneys for the defendants ( a single party ) was to be personally served and consequently the number of copies merchant alleges to have made was not required. 
( 7 ) A second order was previously placed by me in the amount of {$74.00} for which the merchant also had not charged me for. 
( 8 ) On XXXX XXXX, 2016, I inquired via email with merchant to determine why I was n't charged. 
( 9 ) Nevertheless, as merchant fulfilled the terms of this order, I informed merchant to charge my credit card. 
( 10 ) Merchant charged my credit card a total of {$130.00} for both of the orders that I placed, but the amount in {$58.00} was unauthorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
Received a Homestead Exemption and a XXXX Exemption back in XXXX 2016 form the XXXX County Tax Assessor 's Office, but Caliber Home Loans refuses to update my mortgage payment to reflect the decrease in my escrow account. I have called several times and was given conflicting information regarding the process. I was advised by a Caliber supervisor back in XXXX 2016 that the tax changes are automatically updated electronically ; however, today, XXXX XXXX, 2016 I was advised by a customer service rep that the homeowner is responsible for providing the updated paper work. The tax assessor 's office states that it is done automatically, but to the contrary the information has not been updated in my escrow account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Spoke to a rep at Capital one auto finance on XXXX/XXXX/XXXX named XXXX regarding them showing XXXX late payments on my account. I explained that my husband was XXXX XXXX military and he requested this loan be put on allotment. His finance department said it went through and he XXXX to XXXX. Well the allotment did n't go through so I called in to make other arrangements while waiting on the allotment to start. I have been fighting this since XXXX and would greatly appreciate if the late payments can be removed due to him trying to set this up before XXXX our country.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had originally established a repayment plan of which I had paid all but the last payment. The bank account I used to pay the account ( XXXX, had a security breach and cancelled a large percent of their customers cards due to the breach ). Because of this I had to resubmit the payment method to pay the last payment and complete the agreement, which I did. Then XXXX XXXX then did not withdraw the amount for the last payment on the agreed date. Upon realizing that the final payment was not made, I answered a collection call and spoke with a representative on XX/XX/XXXX. I explained the situation, she said that I could pay the last payment and it would be done. I was at work and did not have my debit card with me and took down her name, number and extension and told her I would contact her with the info from the card to complete the transaction. Upon calling the number I found that I could not reach her and was not able to complete the transaction. I then received a letter around the end of the following week stating that the agreement was cancelled and I now owed {$480.00} in place of the final {$48.00} payment. I contacted the number listed and was told there was nothing I could do, despite the previous efforts and attempts to pay my final payment and the company not following through on the agreed upon plan. I have tried to handle this issue with the XXXX XXXX and their inability to honor the agreement appears predatory and dishonest. They have had the new card information on file since I called it in, they had it when I was told I would have to resubmit it and they have not made any effort to mitigate their mistake of not charging the card on the agreed date before. I feel that due to their lack of responsible business practices that my debt should be considered " paid in full '' and utilize this case as an opportunity to better their employees or leadership actions to ensure that another person is n't subjected to several interruption incidences that create unneeded stress on someone who obviously is already under financial stress and trying to repay their debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
collection agency stated that once debt is paid i would receive a letter of satisfaction debt paid in full and request from major credit bureau to remove from my credit once debt was paid i did get a paid in full letter but no request for deletion from my credit when asked why there was no deletion statement they said they report only i told them i was told they do deletions they referred me to merchant and merchant says they sold account im getting the run arround

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Lady from port folio recovery services called and disclosed a debt from XXXX XXXX that they are collecting for they told the person of the account details and they are not authorized on the account to recieve info. The used XXXX to locate numbers of references and near bys to locate and disclose information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
received a letter asking me to provide my taxpayer id or SSN to them and if I did not, I would be fined by the IRS. The IRS has my correct info, and so does this company!! the letter was dated XXXX/XXXX/15. I have the email I sent to them not to contact me any further on XXXX/XXXX/15 at XXXX. to XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have been receiving multiple calls per day, up to 14, several times an hour, some with 'Portfolio Recovery ' in the Caller ID, the others showing as 'Unavailable ' or from a multiple of states and numbers.. 

The 'Unavailable ' and multiple states/ numbers phone calls are actually from 'Portfolio ' as I have been answering the calls at various times, and the callers states that they are calling from 'Portfolio '. 

Despite repeatedly requesting any documentation regarding the debt, I have yet to to receive any correspondence. I was advised by the company, that they 'do not communicate via mail ' and 'all matters were handled through telephone '. 

I have repeatedly requested that they do not call multiple times each day, or to please record a message on my answering machine. I have been told that they are 'unable to leave any messages regarding the matter ', despite previous instances of messages being left. The usual format that they follow with the repeated phone calls is to wait on the line until the machine answers the call, proceeds through entire recorded message and then 'beeps ' to indicate recording period. They then hold the line for several seconds and then hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have sent numerous dispute letters disputing this account. With all the attempts they never validated the debt. My letter specifically stated that they must have all documents that bare my signature and also the billing ledger and any other information to prove that I was in default with this account. I have not gotten this information. As of today XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NM

Complaint narrative:
Toyota continues to report 120 day lates on my credit report even tough the date of last activity XX/XX/2009. This is illegal and needs to be addressed and rectified. I have tried multiple times through the credit bureau dispute process without resolution so I am asking you step in and make them correct the reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
I am a victim of identity theft. A XXXX XXXX credit card was opened in my name in 2013. I was unaware of this fraud until recently being contacted by Portfolio Recovery Services who has purchased the debit from XXXX XXXX. 

In order to for me to investigate the fraud, and hopefully have the negative impacts removed from my credit reports, I have repeatedly asked Portfolio Recovery Services for the following information : Application records or screen prints of the original internet/phone/mail application. 
All statements/invoices ( from opening date to account closure ). 
All payment/charge slips. 
Delivery addresses associated with the account. 
Any other documents and/or investigations associated with the account. 

To date, Portfolio Recovery Services has only mailed me a few ( XXXX ) statements from the account. These statements provide scant information and do not address any of my requests stated above. Today I received a letter from Portfolio that stated the following : " If we continue to receive subsequent correspondence from you regarding the dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming. Our office considers this matter closed. '' Even though Portfolio Recovery Services knows we are disputing this account as Identity Theft, they continue to call us weekly demanding payment and we receive weekly letters from them demanding the same. They obviously are not interested in helping us investigate the fraud and are only interested in profiting from it. I hope you can help in forcing them to provide the information I so badly need. Thank you - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
A Company called Portfolio Recovery has done all of these things. Contacted family in other states, contacted employer, threatened me, calls multiple times a day from different numbers, wo n't tell me what this is for ... .etc ... ..FOR SEVERAL YEARS!!!! 
Please stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I was contacted today by " XXXX '' from Portfolio Recovery Associates. " XXXX '' failed to provide a last name ; which is illegal. Without proper verification ( there was no request for personally identifying information other than the fact I verified my name ) I was advised that I had an outstanding balance on an XXXX XXXX credit card and was requested to settle the balance in full or establish payment arrangements. 

I politely requested that the company no longer contact me at this number, at it is a work number and also advised that I wished for the company to cease and desist. " XXXX '' advised me that I would need to put the request in writing, which is understandable, as this is per the FDCPA. However, when I requested an e-mail address, XXXX advised me that the company would not accept my cease and desist request in this manner, as it had to be in " writing ''. 

After all of this, XXXX provided me with a previous address which I had lived and requested that I update this address. I advised XXXX that I would not update my address and I would contact them when I wanted to resolve the debt. 

XXXX advised me that the debt would remain in collections and that they would continue following up with me until it was resolved ; despite my request for them to cease calls to my number and to cease and desist completely. 

There were several violations of the FDCPA here. More than I care to waste time going into.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I paid the full balance that was given to me over the phone with a debit card & thought it was resolved.The rep was satisfied & never told me the correct amt ( I guess ) Many month afterwards I kept getting notices by mail & phone that I owed a {$3500.00} late fee. That turned into the {$330.00} in collections, I spoke to a rep & tried to resolve this & pay the original {$35.00} if they sent me a bill reflecting that amt. 
They agreed to send me one, but I kept receiving a statement for {$330.00}, so I got nowhere & referred the acct to collections. Told them the same story & they have my original pymt on record & they have n't worked with me. {$35.00} turned into {$330.00} Unfairly!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
I originally called Portfolio Recovery on XXXX XXXX, my name was not on their name search for outstanding loans, the agent then hung up and said nothing else. The XXXX phone number kept on calling me ; XXXX & XXXX starting XXXX XXXX, 2015. It has been three weeks on continually calling my phone number at XXXX XXXX each day and they do not leave an voice message. I am on the Federal No call list, I told the rep today and she did not care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I filed a complaint on Toyota Motor for reporting inaccurate payment information on my credit and dropping my scores tremendously and defaming my character. They answered untruly and I am not able to log in to provide proof from my bank showing that I was not 30, 60, 90 or 120 days late on my payments nor did any of my checks get returned unpaid. 
Toyota removed 3 of the late payments but reported them as unknown. I made my payments and they need to report it. Please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 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: TN

Complaint narrative:
PRA continues debt collection on an old XXXX XXXX account they bought from XXXX Bank. XXXX bought the account from XXXX on XXXX/XXXX/14. According to my records this account is now beyond the statute of limitations in the State of Tennessee of six years. I have emailed and mailed request to PRA to have this debt taken out of collections status since they can no longer sue me over this. They have not responded to any of my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This complain is about Portfolio Recovery Associates Collection Agency Reporting to all XXXX major Credit Reports Inaccurate information as of Date of First Delinquency. As reported to XXXX on XX/XX/XXXX this account is schedule to continue on record until XX/XX/XXXX as of XX/XX/XXXX it was not on XXXX no more making the Date of 1st Delinquency XXXX XXXX ( since accounts remain for 7 yrs on record as of 1st Date of Delinquency ) On XX/XX/XXXX Portofolio reports to XXXX 1st Date of Delinquency as XX/XX/XXXX. As of XX/XX/XXXX its reports to Equifax 1st Date of Delinquency XX/XX/XXXX. As of XX/XX/XXXX XXXX Deleted it after finding inaccuracies on Dates of 1st Delinquency reported. Portfolio still reporting to XXXX I am currently disputing it with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX I settled a debt with XXXX for {$1000.00}. Subsequently they sold the debt to Portfolio Recovery Associates , LLC ( PRA ). PRA made NO attempts to collect the debt. In XXXX XXXX I discovered the debt on my credit report and contacted PRA via email asking for verification of the debt validity. The request was NEVER honored. I notified PRA that I was disputing the debt, I NEVER received any information from PRA. In XXXX XXXX I was informed by the Florida XXXX that my credit report indicated the invalid PRA debt. I again contacted PRA and received a form letter stating the original account holder, the date the account was open the balance on the account. In my XXXX XXXX contact I also requested verification of the validity of the debt, in writing and via the telephone. This was NEVER provided. I was informed by PRA via telephone that I MUST contact XXXX. XXXX advised when the debt was sold all records were given the PRA. PRA refuses to release ANY documentation to verify the validity of the debt other than a form letter saying it is valid. PRA has NEVER provide a statement, contract or any other documentation demonstrating the debt is valid. NOW I am XXXX but can not pass the XXXX until this matter is resolved.

Company response to consumer: Closed with non-monetary relief