vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Started a loan application to purchase a new home with Capitol One Mortgage on XXXX XXXX, XXXX. The loan officer overlooked a document explained in attached XXXX page verification of incident described here which led to my credit score of : XXXX at the time of this loan application which dropped to XXXX as of XXXX/XXXX/XXXX over XXXX credit pulls by Capitol One Mortgage as proven by XXXX. In addition to an issue with XXXX error in a failing to mail a new credit card with bill to correct address ( as reported to cfpb on XXXX/XXXX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 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: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX are debt collectors and violated the terms of the credit card agreement with Capital One by 1 ) filing a lawsuit instead of binding arbitration ; 2 ) Taking action against the authorized signatory holding the corporate credit card issued in the name of a limited liability corporation ; 3 ) Using threatening tactics in order to force authorized signatory into settling the account under duress. 

This complaint is being submitted in order to allow XXXX XXXX XXXX an opportunity to respond instead of claiming they did not receive the previous complaint and exhibits which support my position this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: H. Kent Hollins, Attorney at Law, P.A
State: CA

Complaint narrative:
Over the course of 5 years, i received a call from the debt collector no less than 5 calls a week and often 2-3 times a day. Told the debt collector to not contact me over the phone and only through the mail and still received the calls and still do for over four years now. They are attempting to collect a debt that is over 15 years old due to renewing a default judgment and are now garnishing my bank wages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX incorrectly terminated coverage but has since reinstated coverage. During this period they denied payment on several claims. These bills were turned over to APEX ASSET MANAGEMENT XXXX. APEX calls repeatedly and hangs up. This deceptive practice is so that you will call them back and they can demand personal information from you to " verify the account. '' They are extremely abusive when you call back and half the time they hang up on you again. 
Two employees XXXX and XXXX were overtly abusive and rude and informed me that if I did n't verify my personal information with them then the debt would be " referred to legal. '' I attempted to explain the issue with the health insurance and that the claims are being resubmitted by the company for payment of the medical bills. 

The continued to act in an aggressive and abusive manner and continued to inform me the matters would be " referred to legal '' unless I provided my address, date of birth and social security number. 

Despite being told to stop calling, instituting a 10 day bar per the Debt Collection Practices Act, they continue to call multiple times a day and hang up hoping to call back. This harassment must stop. I am very sick and I do have health insurance. They would not listen to the explanation that the health insurance made a mistake. 

They do n't care and continue to threaten " referral to legal. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: DE

Complaint narrative:
I have been able to access my exact amount of money from Rushcard. 
I would like to have access to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Delray Capital, LLC
State: TX

Complaint narrative:
Thursday XXXX/XXXX/2016 I received a call from a number listed as my local court house. XXXX. I was told that I was being sued and needed to be served my papers for court the following day at my place of home. She asked me for my current address, and I gave it to her thinking it was for a legal matter. I asked the lady who was suing me and she stated she was n't sure the documents were sealed. She stressed the documents did have a mediation stamp and that means I can contact the attorney and settle before XXXX XXXX that day and not be served. She gave me the number to the supposed attorney whom I contacted immediately at XXXX And a gentleman answered the phone and I told him who I was he pulled me right up and explained my debt of {$680.00} that I could make in payments of half then and half XX/XX/XXXX to settle outside of court. I explained I was just getting back from XXXX leave and would only be able to make payment of XXXX and the remaining on XX/XX/XXXX and XX/XX/XXXX. He then transferred me to the payment center and a lady took my payment, She explained she would go ahead and send me receipt to my email immediately after. I waited and never got a receipt finally wrote and called the number back Friday and Saturday and was told they would get it to me as soon as possible. I finally got the receipt and noticed they had my current address, which no one has except the lady that called from the " XXXX house '' so I got to thinking I wonder how they got my updated address. I decided to contact the court house this morning at XXXX and make sure everything was settled. I was informed by the representative from the justice of the peace that I never had a case against me and they would never even call me before they serve. So I have caught this company in a lie. They represented their selves with a legit phone number saying they were the court house in my county. So I am highly upset and will be filing complaints with everyone I can.

Company response to consumer: Closed
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SQUARETWO FINANCIAL CORPORATION
State: OR

Complaint narrative:
An item appeared on my credit report and I have been attempting to resolve with the creditor ( Fresh view Solutions ) XXXX. After being on hold for 1/2 an hour on XXXX occasions, no answer or call back. I can not settle the purported obligation if they ca n't answer my call. This item is impacting my ability to obtain new credit. Acct # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: AR

Complaint narrative:
Have my payroll check deposited to a rush card. Unable to access my funds using PIN number. Tried to change PIN number without success. Unable to access funds. Could still call activity number and get my balance. Could pay bills that did not require PIN number. As of today I am unable to get my balance or any information on my account. No one will answer the phone either. I have XXXX that I ca n't access to pay my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Delta Management Associates, Inc.
State: MA

Complaint narrative:
- Debt collection agency called my work office, which I have not shared with any of my loan institutions. Coworker took the message, and they would not disclose who they were or for what reason they were calling. 
- Call began by asking for my date of birth and full Social Security number without specifying : a ) who the caller was ; b ) what they wanted ; or c ) why they needed this information. 
- Refused to speak with me without the aforementioned identification information. 
- Representative informed me that I was being contacted by a debt collector, Delta Management Associates , Inc., and that they worked for the US Department of Education. 
- Representative stated that my federal student loans had defaulted, cited an amount I believe to be greater than the amount I had taken out. 
- Asked if I could pay the loans back in the full amount today ( nearly {$42000.00} ). Asked if paying {$35000.00} was more amiable. 
- Offered to sign me up for a " rehabilitation '' payment plan, in which I would pay somewhere between {$5.00} and {$240.00} per month for 9 months, after which I would be reassessed for a different amount by a different debt collection company. 
- Asked for address information, salary, monthly expenses, family members, and information about assets, two weeks of signed pay stubs or a signed XXXX for the current calendar year. 

- I had consolidated my loans in the past and am currently paid up. Informed the representative 's supervisor that I would need to confer with my cosigner to ensure that the claims they made were true. Supervisor informed me that these loans are not " cosignable, '' so the point would be moot. She then told me that if I did n't respond then there would be " certain involuntary actions '' taken ( eg. wage garnishment ) and asked that I respond within the next 24 hours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
I have a Rushcard. Where do I start? My paychecks were deposited late and my balance has continued to be wrong. My card is not working for some bills. My car payment and credit cards are now late and have been assessed fees. IXXXXwas forced to pay out additional money to keep utlites on because i failed to keep original agreements. Customer service is not taking calls. It hangs up on you or you wait on hold for hours. Items having been pending for 10+ days. iXXXXhave been overcharged at the gas pump and double charged for online purchases that occurred prior to realizing my account was having a problem

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: TN

Complaint narrative:
Rushcard perform a system upgrade on the morning of XX/XX/2015 and ever since then I have not been able to access my funds. I have gotten the same answer for the past 9 days and they have all been inaccurate. I have called at least 3-4 times a day since XX/XX/2015 and I never got my issue resolved. I have bills to pay and ca n't because they can not or will not figure out what has happened to the funds I loaded previously not can they tell me when the funds I have directly deposited from my employer will be available

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
My RushCard Acct. notified people that they were makingchanges to their System- Which has been harder to understandMy Prepaid Visa Rushcard- has notified Account holders thatthey were making changes to their Online System. It has madeeverything much more difficult to understand and access theAccount- AND I can not figure out what happened to a pendingCharge that was not added back in- after being deducted out? 
PLUS- MY CHECK HAS NOT BEEN DEPOSITED YET INTOMY ACCOUNT? WHICH IS DUE TO BE IN MY ACCOUNT? 
IT IS USUALLY IN THERE BY NOW, AND I AM WONDERINGWHAT HAS HAPPENED AND WHEN IT WILL BE IN THERE? IDO NOT LIKE THEIR " NEW '' SYSTEM and the CHANGES thathave been MADE to the READ-OUT ONLINE -it is much harderto Read and understand it now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
The company, Midstate Collection Solutions, autodialed my number and had me wait on the phone for 15 minutes, at which point I was automatically disconnected because " there [ was ] no one available to take my call ''. 
I waited to tell them that they were looking for the wrong person ( my credit report is pristine ), as this has happened a few times since I opened this line through XXXX. 
In the future, no doubt, they will be trying to reach me again and me answering the phone to let them know they reached the wrong person should only happen once.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
Someone took over XXXX from my rush card account. I dont how exactly but i know my money is gone because of a scammer. I never provided nobody with my personal information to my card and i notified my card company in a reasonable time frame and now they are refusing to return my hard earned money. I am XXXX with a XXXX year old daughter with a mother thats not around. Pleaseeee i neeed some help sooo bad because they wont return my insured money threw their bank. I never made none of the transactions on the dispute form and cameras from each location of every unauthorized transaction is my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ivy Street Development Corp.
State: NY

Complaint narrative:
Paid / no longer valid

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
The issue first began on XXXX XXXX when the company tried to switch to a payment system with XXXX and ran into a technical malfunction. Since this has happened I have had no access to my monies. No access to my account what so ever. I ca n't access the website, I ca n't access the mobile app and when you call customer service you either wait on hold for hours and then get hung up on or you get hung up on right away. I have had XXXX major direct deposits go in there and I ca n't have access to them. They were suppose to be looking into this but at this point no one has returned my call and no one answers the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Dear Sir/Madam, In the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution? 

Sincerely Yours, XXXX XXXX XXXXl

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Delta Management Associates, Inc.
State: MD

Complaint narrative:
I found many inconsistencies in the alleged amount owed & the interest accrued with respect to this account. I was forced to send a XXXX request to XXXX XXXX which was received by its agents or representatives XXXX in XXXX, NH at XXXX. XXXX XXXX failed to reply and through acquiescence agreed to all terms and conditions in the attached Affidavit of Fact, Verification/Proof of Claim Document. XXXX XXXX transferred the alleged debt to Delta Management Associates who are now claiming an alleged debt subject to the provisions of the FDCPA in regards to the attempted collection of an alleged debt owed. XXXX See : XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX. New York, XX/XX/XXXX, and XXXX v. XXXX, XXXX. XXXX. XXXX, XXXX XXXX. Illinois, XXXX. XXXX, XX/XX/XXXX I have not applied for, neither received any services or credit with either party. I also have no account and/or contract with XXXX XXXX or Delta Management Associates, nor do I wish to contract. Neither party has a bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent XXXX s ) and or Representative XXXX s ) are frivolous. Neither party has provided ( 1 ) authenticating proof from the Secured Party Creditor that they are authorized to collect the alleged debt on their behalf ; ( 2 ) nor is either party in possession of the security granting them the rights to interest in the collateral per Article XXXX of the XXXX. XXXX XXXX a ) ( XXXX ) [ XXXX ] ; ( XXXX ) in addition XXXX parties are making multiple enforcement claims on the same note.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS

Complaint narrative:
I have been paying a debt collector since XX/XX/2014 {$50.00} a month for a {$1200.00} medical bill. It is been two years and I still owe them that much. After talking with them about it they have been charging me 12 % in interest per year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
When I established my mortgage loan with Pennymac, I was told that the PMI that was on the original loan would be dropped. As I look at the loan that was underwritten by Pennymac, I see that there is still PMI on my loan. This was promised to me by your organization. 
I want the PMI dropped, to disappear, to go away. My credit score is very high. I will refinance with someone else if you ca n't make this happen. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LAND HOME FINANCIAL SERVICES
State: CA

Complaint narrative:
I started out with Landhome Financial Services about 2 months ago The agent`s name is XXXX XXXX and the complaint is about this individual. He was referred to me by the owner of the property. The owner is also the buyer and the real estate agent for this property. His name is XXXX XXXX. At the very beginning XXXX relayed to XXXX XXXX that I can only qualify for XXXX This was not relayed to me. XXXX kept dragging the situation never telling us whether we would qualify for the loan which is held at XXXX. and also never telling me that we would not qualify. Next I was suggested that I should find another job which I did but had to resign after 2 weeks as the job was not on par with my qualifications i.e. the job entailed me XXXX 5.5 hrs for 4 nights a week. I am a XXXX and our XXXX is very much restricted to at most 9 hrs per week. This coupled with a XXXX and being in XXXX I had to resign. I was grilled by XXXX and XXXX as to why I resigned when they were so close to closing. XXXX XXXX advised me to find another job and quit after securing the loan which is a fraud. I have to apply for a job in the academic market which has its own timing so I refused to look for a job and wait until the academic market opens up again. 
XXXX and XXXX also informed me that the property needed some repairs and such should be included in the loan amount which then makes it a XXXX. XXXX called his agents to make an appraisal and came up with this price. I objected to this and told XXXX that I do not want to pay a larger tax and interest and I would rather pay for the repairs out of pocket which I never received any bills for. In addition I received an email from my lawyer in XXXX that notified me of a deed as per a land sale. Under legitimate conditions the translation is done via the XXXX XXXX XXXX in XXXX XXXX via sworn translators who have the permit to operate in the US. XXXX got this translated via google translation which naturally came out as a nonsensical set of words that have no legitimacy. I was in the process accused of lying as well. 
XXXX XXXX also allowed us to stay in the property until the loan is closed as we were lead to believe that this would close. Now the interim contract is about to expire and the purchase contract which is signed is also about to expire. We are also told by XXXX that he advised XXXX to list this home after all to be sold in the market rather than selling this to us. I dismissed him from this job but now XXXX is still interfering with the process. I also have the emails from XXXX asking us to leave his property right now. This is the type of greed that collapsed the housing market in the U.S. I am not sure if the loan officers and the real estate agents are scrutinized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Hillcrest Davidson & Associates
State: MO

Complaint narrative:
caller asked wife for XXXX XXXX, she asked if they had his address, man said yes that he mailed something and this is why he was calling. She told him to not call, he said he would call back and hung up on her. he called right back, she did not answer and he did not leave a message. While filling this out he called again, did not leave a message. That is 3 calls in 5 minutes.

Company response to consumer: Closed
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I was told that I was being sued over an unpaid debt from 2012. They said I needed to turn myself into the sherriff 's office to avoid putting myself or others in danger. I have no idea what this is, but I know it 's a scam. The internet is full of complaints about this EXACT behavior, EVEN DOWN TO THE AGE OF THE DEBT ( 2012 ). 

They have called me repeatedly, as well as my XXXX year old mother who lives in a different state. They threaten and use any number of illegal tactics. 

Today this phony debt showed up on my XXXX credit report. I filed a dispute with them too.

Company response to consumer: Closed with explanation