vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This is in reference to my original complaint regarding our Capital One credit card that was closed in error by Capital One. Please refer to our original complaint cfpb XXXX dated XX/XX/XXXX. 

We first contacted Capital One about their error on XX/XX/XXXX. On XX/XX/XXXX, we received a letter requesting a street address for my wife. We contacted Capital One on XX/XX/XXXX, and provided the street address. On XX/XX/XXXX, Captial One provided two new credit cards as promised with a XX/XX/XXXX expiration date. On XX/XX/XXXX, we were notified that our credit card account had been closed because we did n't provide the information that was requested ( we did by phone on XX/XX/XXXX ). 

After dealing with an estimated 19 to 25 representatives from XX/XX/XXXX, to XX/XX/XXXX, nothing has been accomplished with one exception. We got a call from XXXX ( employee #  XXXX ) at Capital One 's corporate office on XX/XX/XXXX, and he acknowledged to us on the phone that Capital One had made an error which was responsible for the cancelling of our account. I asked XXXX for a letter from Capital One to confirm that their error was responsible for the cancellation of our credit card account ( open since XX/XX/XXXX ). On XX/XX/XXXX, XXXX said he would see if a letter could be sent to us acknowledging their mistake. He also said we could reapply for an account. We said we did n't want to reapply for an account, just have the old account reopened. XXXX said that they do n't send out letters regarding mistakes until the account has been reopened. It we reapply for the account, and for whatever reason the account is not reopened, they do n't send out a letter acknowledging their mistake. It 's now been 3 weeks since we last heard from XXXX at the Capital One Executive Offices. 

In a nutshell, we 're done. We will not conduct business with an organization that has sloppy record keeping, poorly trained customer service reps, dishonest customer service reps, offer unprofessional treatment to long term customers and have absolutely no sense of urgency. Fortunately, we have other long term credit card accounts and we will remain faithful to those companies. As for Capital One, we 're done playing this endless, fruitless game of nonsense. We are no longer interested in doing business with this unprofessional banking organization. 

I would suggest that people who are thinking about doing business with Capital One, think twice. We 'll never go back!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Green Square Company LLC.
State: VA

Complaint narrative:
I obtained a cash to pay day loan and fell on financial hardship. Recently, I 've been receiving what I would consider harassment from their debt collector, PRG. According to the CFPB law, the debt collector can not contact my personal references more than once. They called two of my family members and I with the message This is a final legal notification for a XXXX XXXX. My name is XXXX XXXX contacting you regarding your case. The case number is XXXX cases pending to be filed against you with the XXXX XXXX County court. If you want to take care of it outside of court you need to contact me immediately at XXXX. She also left a messages with them stating that I'vd written bad checks that bounced. Although it is not true ... this is extremely embarrassing. It has caused conflict with my family and my character is being smeared. I contacted the CFPB and they stated they should only use the references to find my location, not to threaten. I also contacted the company to get their business information. When I asked for the address, she placed me on hold for a few minutes and provided XXXX XXXX XXXX. XXXX, NY XXXX and then when I asked for their professional business license ... she transferred me to XXXX XXXX who did n't want to provide any information and stated I would have to contact the state in order to obtain the number. 
In addition, she said she has surveillance of me walking into the loan place, using my XXXX XXXX  card the funds bounced and they will be filing with the city tomorrow if I do not satisfy my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
I 've had an account open with Conns Credit Co since XX/XX/XXXX that is showing as delinquent since XX/XX/XXXX as delinquent. However, there has never been a missed payment on the account. 

The company acknowledges an accounting error, and after months and months of contacting them to rectify it, nothing has occurred. They have exhaustive notes in my file of the situation and repeated calls as well. 

I am still paying on the account and are not reflecting those payments. 

The account is inaccurately reporting to show a balance of {$2800.00} and are offering a settlement offer of {$1200.00} as if the account is charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
For the past 3 months I have been forced to call my bank with the credit company on the line so they can ask my bank if the payment has cleared my account. After my bank informs them that the payment did indeed clear the bank account then the creditor gives me access to my credit line. The payment is visible on my bank account online and is also visible as a payment on the creditors website. Both accounts showing I did make my payment with the correct amount and date. 

I pay my credit card in full every month. My credit limit is {$1500.00}. Sometimes my credit limit goes over but I still make my payment in full. This has never happened before until the last 3 months. This month I was allowed to use around {$800.00} of my credit before they decided to freeze the account again. 

This week I called because I still did not have my credit available. This time the representative did not offer to call my bank to make the funds available. I decided to be patient and wait till XXXX XXXX, XXXX for my funds to be available. That is the date the rep told me it would be available. I looked at my credit account today the XXXX of XXXX and my credit limit still says no funds available. I contacted the credit company again today. They told me I had to now wait 7 days from the time they receive my payment before I can have my credit limit available. I said ok, its been 8 days. You received my payment on the XXXX of XXXX XXXX, today is the XXXX of XXXX, why is my credit not available? The representative then told me that they do not start counting till the next day. I then said ok, its been 7 days, then she told me I would have to wait till XXXX tonight for my funds to be available. Frustrated I said fine. 

I ended my conversation with her and waited for the survey. The survey lets me give my input on how they are doing. She continued to try to talk to me and see if I was still on the line, she finally hung up and I completed the survey via the phone. If I receive my funds availability tomorrow the XXXX of XXXX, this credit company has held my payment for a total of 9 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Apelles, LLC
State: FL

Complaint narrative:
Collector keeps calling requesting action to mail document to my home I have called and asked to stop calling someone else that I do n't talk to and they wo n't stop

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Controlled Credit Corporation
State: OH

Complaint narrative:
Controlled credit corporation has been calling my place of employment repeatedly times throughout the day. Until it is interfering in my job and I 'm at risk of losing my job. We are not allowed phone calls of cell phone use at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage Services bought my mortgage from XXXX XXXX XXXX in XXXX of 2017. I was never given any information about the purchase. Never received a payment plan. Had to go to a web site to find a phone number. Had to establish an account without guidance. Have not received any paper bills with the exception of one. They refuse to send a copy of my loan agreement after repeated requests and charged unexplained fees to my account. They keep referring me to research department and claim they ca n't help me with any complaints about my account. Research department never returns calls. The tellers as they call them have hung up on me. I believe this company is rife with fraud and abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Bank is telling back in XX/XX/XXXX that they did not receive my loan payment. Which they did receive. All my loan statements have shown that i am paid to date. XXXX XXXX XXXX  takes my payment out every other week and sends them a check. I have check numbers to prove this. They just this week sent me a late notice paper. Before this one i received this week i have not received one in the past. My account is paid up to date and they are telling me its not paid up to date. They have also reported me to the credit so my score dropped tremendously. I have called them they are making me wait till XX/XX/XXXX for answer on how they are going to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My credit report shows an account with XXXX/JcPenney and I want to dispute this account. The credit report shows a payment was made on XX/XX/XXXX. It also seems as if other payments and charges were made using this card in XX/XX/XXXX. I have not made any charges or any payments on this card in over 10 years. If any charges were made on this card in the last 10 years, they were made fraudulently. Any payments made on this account in the last 10 years were not made by me. I called XXXX/JcPenney on XX/XX/XXXX and spoke with XXXX XXXX from XXXX who said he can not provide any information about the purchases, balances, or payments. He said I would need to call XXXX XXXX XXXX at XXXX to get the details of the account. I called them and spoke with XXXX from XXXX-XXXX she said only the original creditor can provide the information about purchases and payments being made. She said the balance is {$340.00} however, the credit report shows the charge-off amount was for {$51.00}. Neither of the two companies will provide me any information about this account and I do not owe them any money. 
Thank you for your time.

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 2018-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI

Complaint narrative:
I received a letter from Heartland XXXX regarding my Perkins loan. The letter states that I have till XX/2018 to make a payment or set up a payment agreement or my entire balance will be turned over to a collections agency. I did this today however the company now says it will be turned over to a collections agency anyway. I have completed my responsibilities per the information I had in the letter that I received and I feel the account should not be turned over to an agency. I am going to go through with my Payment agreement so it can not be said that I did not meet the requirements stated in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This is a new complaint. I have requested a WET INK signature validation for this debt on XX/XX/17 via CFPB. I received a copy of a statement for an account that has yet to be verified by the WET INK signature requested. According to Tennessee state license verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from all credit bureaus. The collection amount reported is {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: RLB Texas Auto Center LLC
State: TX

Complaint narrative:
in XX/XX/XXXX i requested for my pay dates to be changed. XXXX asked for me to send over proof of my pay dates. i did that. i asked her if my payments could be every month, she said the only way she could do that is if i make a months payment. i made the {$500.00} dollar payment. ive paid the {$500.00} payment in XX/XX/XXXX and XX/XX/XXXX. now onXX/XX/XXXX they turned my car off XXXX stated that i needed to make a {$250.00} payment inorder for my car to be turned back on because XXXX was out of the office. i then asked to speak to a manager. she stated that she would turn my car on and that i needed to call back the next day to speak with XXXX, the person i initially made the agreement with. a verbal agreement is just as good as a written agreement. on XX/XX/XXXX they turned my car off so i called XXXX and tried to see what was going on. XXXX stated that she never agreed to anything like that, she also stated that i would have to make a " good faith '' payment of {$150.00} in order for them to extend the rest of the payment for the XX/XX/XXXX. she was very rude and wouldnt let me get a single word out. she just kept denying the agreement. and my car is off.

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 2018-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
My home mortgage has been with Roundpoint Mortgage. 

In XX/XX/XXXX, I paid {$270000.00} in addition to my monthly payment. That brought my loan to a total of just over {$2000.00}. 

Roundpoint turned off my autopayment without notifying me. They called to say I was late on my XXXX payment. This was a surprise. I requested the payoff letter. Roundpoint provided the  payoff letter. I then completed payment of the remaining balance for {$2100.00} per the payoff letter instructions ( removing the XX/XX/XXXX late fee amount per the customer service rep 's instruction - as she entered a request for it to be waived on XX/XX/XXXX ), going directly to XXXX XXXX XXXX to complete the transaction on XX/XX/XXXX. 

Roundpoint Mortgage continued to call, stating that I was delinquent in payment from XX/XX/XXXX. I then submitted to Roundpoint the transaction receipt from XXXX XXXX XXXX as payoff proof and requested that Roundpoint research this matter on XX/XX/XXXX to the email account that one of their customer service agents suggested. Roundpoint Mortgage sent an automatic receipt of reply, and they also sent a paper letter stating that they were reviewing this. 

To my ongoing surprise, Roundpoint continues to call me multiple times per week stating that I am delinquent in payments from XX/XX/XXXX. I received a letter dated XX/XX/XXXX that I am in default in the amount of {$4700.00}, which is greater than my remaining balance prior to payoff. 

Today I spoke with customer service at Roundpoint Mortgage. The agent was very helpful. He found my previous correspondence along with the payoff receipt, and apologized for the issue ( it is unclear why research was dropped ). He said he will work with accounting to locate the wired funds and reconcile payment for the remaining balance. He said he would follow up with me on this accounting issue. 

My concern is that I have spoken with multiple agents at Roundpoint Mortgage, the ball has been dropped more than once, and my credit is being threatened. 

I would like Roundpoint Mortgage to show that they have not inaccurately reported delinquent payments against my credit. 

Thank you for any help you can provide in this matter

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 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On X/XX/18 I called Capital One to remove a $ XXXX monthly fee from my oldest opened account. they declined offering to open a new account with a yearly fee instead of a monthly. I have a credit score over 800. I have an XXXX and XXXX XXXX XXXX I use as my daily cards. Capital is purely nickel and dimming me. I offered to use the card and have the fee removed. I offered to have it converted to a standard card with no fee. Capital One declined each offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I SPOKE WAS XXXX XXXX XXXX SHE CAME INTO THE XXXX DISTRICT OFFICE WHO WISHED TO MAKE A FRAUD REPORT. 

XXXX XXXX RECENTLY OBTAINED HER CREDIT REPORTS AND THERE WAS TWO FRAUDULENT ACCOUNTS OPENED IN HER NAME WITHOUT CONSENT ( XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX ) XXXX ADVISED ME THAT SHE CONTACTED THE CREDIT BUREAUS AND FRAUDULENT CREDITORS NAMED ON HER CREDIT REPORT. 

THE FRAUDULENT COMPANIES ADVISED HER TO GET THIS POLICE REPORT SO THE FRAUD CAN STOP. 
THE CREDIT BUREAUS ADVISED HER TO SEND POLICE REPORT TO THEM ALSO. I ADVISED HER TO PLACE A FRAUD ALERT ON HER PERSONAL INFORMATION JUST TO BE SAFE. 

I PROVIDED XXXX XXXX WITH THE CASE CARD OF THIS REPORT FOR HER RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This is a new complaint. I have requested a WET INK signature validation for this debt on XX/XX/17 via CFPB. I received a copy of a statement for an account that has yet to be verified by the WET INK signature requested. According to Tennessee state licensure verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports. The amount for this debt in question is {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX amount was for XXXX. XXXX XXXX took me to court ( XXXX District Court )  and case was dismissed. This account does not belong to me. I had disputed the account XXXX XXXX from my credit report and they refuse to remove it, even with the document from court that show account dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
I have a loan payment with Toyota Financial services for a XXXX Toyota Corolla. 
I 've had the loan purchase since XX/XX/XXXX and I 've realized that the Financial Service are Double Billing me, with an already High Interest rate, then threaten repossession If I do n't pay the double charge. My balance over a years worth of made payments are not as it should be. I 've asked for a transaction history to compare my payments/receipts and sent my bank statement of the date I was first told in XX/XX/XXXX my Payment was not received. I have not been mail or sent a payment transaction history at all. 
The date the discrepancy in billing started, was XX/XX/XXXX. My payment amount is XXXX a month and they repeatedly, since XX/XX/XXXX say I have not caught up till this date and I 've made double payments on 3-4 occasions. I 've also paid my bill XXXX XXXX 3 times and on one of the occasions they said they did not have the payment If I did n't have my receipt, then said, " Oh! I see it here ''. I believe the other XXXX XXXX payments, which were two other ones, they are saying I did n't pay for those months either. Please Help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
Original complaint submitted by me via CFPB on XX/XX/XXXX. Ad Astra responded for a XXXX XXXX on XX/XX/XXXX via CFPB. Second complaint filed via CFPB by me on XX/XX/XXXX. Ad Astra responded on XX/XX/XXXX that " In acknowledgement of this dispute, we have requested the account be reported with consumer reporting agencies as disputed. The account was placed in a do not contact status per the ongoing dispute. '' I am requesting this account to be removed during this on going dispute.

Company response to consumer: Closed with explanation