vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX has an erroneous debt they claim I owe, that has been sent to multiple collection agencies including XXXX, Credence Resource Management and other agencies. I 've gone through the dispute process with each one and had them confirm that the debt is n't owed and cancel the collection account. XXXX continues to forward this erroneous debt to different collection agencies, I 'm tired of having my time wasted and the stress of dealing with this year after year, this is ridiculous. The most recent collection agency with collector who have my personal information are outside of the United States where who knows what harm they can do to my identity, the most recent agency is Credence Resource Management, who put me through multiple hours of headaches and hassles to get a dispute done with them to get the damage they 've done to my credit removed, it has n't been resolved yet.

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 2017-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Purchased a XXXX Volkswagen Jetta Sedan, used, VIN : XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. 
Phone : XXXX. 
Purchased Mechanical Failure Service Contract dated XXXX/XXXX/XXXX for {$1600.00}. Issues with car from onset of purchase. Was told at time of purchase to bring back to dealership with any concerns. Did so, was informed the XXXX individuals that assisted me were no longer employed. They could not assist me. They wanted me to trade the car versus assisting me with the utilization of the warranty. 

Well due to mechanical issues and such, I have requested Capital One Auto Finance pick up the car as a XXXX repossession. This was done on XXXX XXXX, XXXX. The automobile insurance has been dropped and the tags returned to the state, but the car is still sitting in my driveway. 

Capital One states there is a legal issue in picking up the car as a XXXX repossession. I feel there was a breach of contract in the mechanical failure service contract. 

Please assist me in resolving this issue and understanding why the service issues were ignored by XXXX XXXX XXXX and why Capital One will not repossess the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX, I received a call from a collection agency named Credit Management, after a few minutes of research on XXXX I discovered this was a collection agency for XXXX. I contacted XXXX right away, and found out someone opened a fake comcast account under my name and there was a XXXX balance. I explained to them this was not me, I have worked with XXXX to try to clear my name from this account, which has my old maiden name XXXX, XXXX, Currently my name is XXXX, XXXX after marriage. They keep insisting it 's an identity theft, but no other accounts were opened during 6 months period except XXXX. I have never lived at the address XXXX XXXX XXXX XXXX , il, which this account is under, and from what i understand this address does not even exist. I reside at XXXX XXXX XXXX XXXX XXXX, il XXXX, i been living here for over 8 years. I used to have comcast service, and disconnected it XXXX/XXXX/XXXX, and the fake comcast account was created exactly 5 months from the date i disconnected it. I went to the actual office to disconnect my service, the XXXX office is located at XXXX XXXX XXXX, XXXX, il. I also have asked XXXX to provide me with a actual bill owed which they keep sending me XXXX. XXXX also stated that i 'm in collection, but when i ran my credit 2 weeks ago to see if there were any other accounts opened under my name the credit report does not even show the fake XXXX account. I have also asked XXXX to make sure that they do n't have more than one XXXX XXXX in their database, since my name is very common, maybe someone made an error, but they told me that my social security number is attached to it, so that makes me wonder how come they had this account opened for six months, not one employee noticed that not one payment is being made to this account, they also had me on collection they claim, so how come it does not report on my credit? Also why they refuse to send me a bill that states this is the amount that 's owed instead they send me XXXX bill, when i went to file a police report that 's exactly what the police department said, what is this this bill states you have a balance of XXXX. What 's even more interesting is that this fake account was addressed XXXX, XXXX, Il, but this address does not exist, but when i told that to XXXX they claim it des. I am a new mom this is causing a lot of stress on me. There is just something not right with this XXXX office on XXXX and XXXX, and XXXX is covering up, there possibly could be internal identity theft within this office, and there could be many more victims, this needs to be investigated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I was interested in refinancing my existing XXXX Mortgage and I reached out to New Penn Financial ( XXXX ) starting in XXXX of 2016. Everything was approved and ready to close but on XX/XX/2016 I decided that I no longer wanted to move forward with the loan/closing. I informed XXXX of New Penn Financial on XX/XX/2016 via email. XXXX quickly reached out to my via phone in an attempt to convince me to continue working with New Penn and close out the refinance with them. New Penn has ignored multiple requests from my new refinancing company " XXXX '' to transfer my FHA case number to allow them to lock in my refinancing rate with them. I saw this as a deliberate attempt by New Penn Financial to block me from being able to shop my refinancing options with other Mortgage Companies. Because of New Penn Financials unethical behavior my original estimated Mortgage interest rate increased from 3.37 % which is now costing me more money. New Penn Financial continues to call me 19 days later stating that they need me to telll them who to transfer the FHA case number too. This does not make any sense to me because I know that XXXX provided all the necessary to New Penn to transfer the FHA case number. All of this will now end up cost me thousands of dollars. This type of behavior should not be allowed because it cause consumers a lot of unnecessary stress. As I 'm submitting this compliant XXXX of New Penn Financial continues to reach out to me regarding the loan that I requested him to stop working on 19 days ago. XXXX emailed me on XX/XX/XXXX stating " I see you made your XXXX payment. We can still do the loan for you and close in XXXX '', again after I informed him on XX/XX/XXXX that I decided not too move forward with New Penn. This sounds like New Penn continues to work my loan and pulling my credit report, which is going to show as additional inquiries. I 've informed New Penn Financial thatI plan on working with another institution so why are they continuing to utilize my information? 

XXXX, NMLS # XXXX New Penn Financial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
A company called Credence Resource Management called my personal cell phone continuously. never left any messages. 12 calls since XXXX XXXX, 2016. I requested my personal credit report to confirm I have no outstanding debt collectors. Do n't know who this agency is or why they are calling, but they are impersonating an agency attempting to collect an outstanding debt.

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 2015-04-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Water came into my kitchen from a broken pipe at XXXX XXXX XXXX XXXX. XXXX, GA XXXX. I share a wall with this townhouse. The address is a foreclosure and XXXX XXXX XXXX is the mortgage holder now. I have been fighting this issue since XXXX 2015. My only contact at XXXX XXXX is XXXX. She has at times been friendly, sometimes hostile but never comes through with a solution. I feel as though I am being ignored. I do n't know if I have mold growing under my linoleum or in the wall. The water continued to come in for a month because there was no way to enter the house and everyone I contacted blamed it on someone else. I hired a plumber who told me it was coming from # XXXX. He could reach into a broken section of their garage and could feel the standing water. Finally the original mortgage company, XXXX XXXX, sent out XXXX men who entered the house and fixed the pipe. On XXXX/XXXX/15 an inspector was at # XXXX. He would not tell me who sent him, but only said they wanted to know what the lady next door ( me ) was complaining about. He said there was a leak in every room and possibly black mold in the sunroom. The roof at # XXXX has been soft for years. The hole in the roof over the sunroom has been there for more than 6 years.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
i was contactedv by XXXX saying i was overpayed. I know for fact my kids mother was handling allm the XXXX and XXXX stuff. In would of never accepted moneyb whichn in did not deserve. I am convinvced either my kids mom got and spent the moneyb or there was a error om your side,. Account # XXXX food stamp.oRIGINALLY I AGRREED YOM PAY THIS MISTAKE NBACK FROM MY S.S.I BUT AFTER THOUGHTS I CANT HELP BUT XXXX IN DID NOT RECEIVE THIS MONEY. PLEASE HELP XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Our Mortgage loan started with Country wide, and got sold to XXXX XXXX XXXX, then resurgent which then got sold to Shellpoint Mortgage Servicing. My husband got laid off for 7 months, and we were falling behind. This was a year ago mind you. Every time we sent the documents they claimed they did not have enough information and documents, which was a straight out lie! We would re-submit the files, and by the time they processed the information it was already expired! this is a clever way to collect illegal fees, and make you fall behind even more so they can foreclosure on your home. We were only three monthe behind when this started, and were ready to pay at that point a year ago, but our Account Manager advised us not to pay because it was in review anyways. Any time we tried to make payments online, it would not allow us to pay. To this date we are still playing this game, and have no idea what to do? We do not want to lose our home, and are willing to work with them arranging some type of loan modification, but they keep saying that they ca n't help us because we did not send the information they needed, which is a flat out lie! We have proof from emails sent back and forth with their company. countless phone calls to get a voicemail, and no answer..they claim they do n't have to leave a message. Now our fees they have added has grown to a rediculous amount that we ca n't pay..of course. They want us to lose our house! Please help us keep our home, and get us on the right track with a proper loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: MD

Complaint narrative:
The following letter was sent to Credit Management LP on XX/XX/XXXX, no reply was received. 

On XXXX XXXX I closed my account with XXXX and returned the equipment on XXXX XXXX. I requested that XXXX send me a final bill for balance owed XXXX 2 days XXXX. 

I contacted XXXX on XXXX XXXX and XXXX XXXX inquiring about the FINAL BILL and was promised that one will be sent. 

On XX/XX/XXXX, I received a letter from Credit Management indicating tat I owed XXXX {$74.00} which was reported to the XXXX credit bureaus as a collection. 

I contacted XXXX on XX/XX/XXXX concerning my account being sent for collection for {$74.00}. I spoke with XXXX who researched that the amount I owed was {$20.00} which I paid with my credit card., she also said that {$52.00} will be adjusted. 

On XX/XX/XXXX I checked my credit report and found there was a balance outstanding in the amount of {$5.00}. I called XXXX and I believe I spoke with XXXX who indicated the amount was inadvertently charged and should have been waived and an adjustment will be made to the account. 

This charge resulted in my credit score being reduced from the XXXX 's to XXXX ( Poor ). I was not at fault for this vexatious charge from XXXX. 

I request that this collection and derogatory statement be removed from all XXXX credit bureaus and inform me by mail when completed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC
State: OH

Complaint narrative:
I am not sure what this is from, the company has not contacted me but refuse to update my credit report. 

The dates when this is was from was when my identity was stolen. I had a fraud alert placed on my credit report but after removal this showed up.

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 2016-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Conduent Incorporated
State: SC

Complaint narrative:
For the past year I have been having trouble with my child support depet card. It never on it on time and I can never get live person on the phone to find out where 's my money or when should I expect it to be on the account. It 's take XXXX XXXX weeks for is to finally just show up for me to be able to use. Now this is a very pain in the XXXX not to mention it against the law to keep a on to money that by court order I 'm suppose to get in a timely fashion.

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 2016-07-01 00:00:00
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Lost or stolen check — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The reason I am asking for help is because : every month I buy a XXXX cashier 's check to pay the monthly rent, directed to the Realty company, and on XXXX XXXX 2016 I was made aware by the Realty company that they had not received a check i had submitted on XXXX XXXX, 2016. Immediately I went to XXXX to find out what had happened to the check and I was provided with a copy of the cashed check for XXXX dollars ( cashed in a Capital One BANK ), and in the copy the check is without endorsement and appeared as if it had been ripped. I called the Realty company and send them the copy so they could confirm that in fact it was not them that cashed the check. After confirming that they did not cash it, on XXXX XXXX, 2016 I started the process of a claim for the check that was cashed without endorsement, for clarity, the check was bought at XXXX but cashed in Capital one bank. I was given a period of 120 days for resolution and during these 120 days I have been calling XXXX twice a week with no update except for XXXX saying that they have emailed capital one 8 times and have received no response. When I asked if there was anything they could do, they mentioned that they could not " force '' capital one into responding and I simply had to wait. They also mentioned that upon the completion of 120 days the claim would be closed with no resolution and that I will lose my money. I still have had no answer and I have been very upset because the reason I buy a Cashier 's check is because I thought that the check could not be cashed by someone who it was not payable to and definitely not without an endorsement, I also thought that the funds were secured and I do not understand how it was cashed by Capital one bank without endorsement, and howcome Capital one has not responded back to the Claim I have with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been approve for capital one bank a credit card since XXXX 2015. They froze my account because of a fraud issue. Sent all my personal information many times every time I call customer service they restrict the accounts that I have as a join account too. This bank it 's really bad in customer services and policies. Someone has to do something against them because they affect my credit more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I need to set my account up on a long term hardship plan and they are telling me that the offer is not available. I am trying to responsibly take care of my debt and have worked with several other credit card companies who allowed us to close the accounts and put them on a 4-5 year re-payment with a reduced payment and an apr of either 0 % or the prime rate. Capitol one was unwilling to help since I am not behind. Why is there a need for me to further damage my credit to get some assistance? I need some assistance to see if they are lying to me and avoiding offering the hardship program because this is the only company that has been unwilling to work with me. I spoke to a man named XXXX operator number XXXX. I felt like he was not providing all of the information that I needed and I asked if he could transfer us to another supervisor so we could confirm that this is all that could be done and he said he could n't transfer the phone that we had to call back. When we called back we spoke to a supervisor named XXXX operator number is XXXX she said she understood our concerns, but she kept referencing the notes that XXXX put in the computer on the account. My wife and I are trying to avoid bankruptcy and are underemployed we need to close our accounts and pay off our debt. Is there any way we can have assistance obtaining a long term hardship repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was denied a checking account at capitol one 360 because of a chexsystem report and i have my report dated XXXX/XXXX/2015 which they also have and they said there is negative info on the report and on my report there is no information. capitol one 360 will not tell me what the negative info is about me. I am worried they are committing fraud.they also informed me i am not the only one this is happening to. If needed I will hire a lawyer and sue them for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One continues to report to all 3 credit bureaus inaccurate info. pertaining to my credit history. Accordingly, on XX/XX/2013, the card company reports I was late for 30 days which is inaccurate. The account has been paid on time and has a XXXX balance.

Company response to consumer: Closed with explanation
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: NJ

Complaint narrative:
I opened an saving account with Capital 360 online. In the bank 's advisement, it says there will be {$100.00} bonus if I deposit new money {$10000.00} for 3 Months. I deposited {$10000.00} on XXXX XXXX 2015, but did n't see the bonus right now. I would like band give me the {$100.00} bonus with promised in advertisement. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation