vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: NY

Complaint narrative:
VIOLATED " FAIR CREDIT BILLING ACT '' AND FDCPA '' ... XXXX DIFFERENT COMPANIES DEMAND SAME PAYMENT OF FRAUD ACCOUNT XXXX XXXX AND NOT MY ACCOUNT. FORMAL FRAUD AFFIDAVIT FILED WITH " FTC '' CASE # XXXX AND WITH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11 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: Allied Collection Services, Inc. (Nevada)
State: NC

Complaint narrative:
Allied collection services was contacted by myself to resolve a debt account that has been settled in full with another collection agency ( XXXX XXXX XXXX XXXX ) but still remains delinquent on my credit report through Allied collection services. Allied is unwilling to update my account status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 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: Allied Collection Services, Inc. (Nevada)
State: MI

Complaint narrative:
I did not owe this full debt when I transferred my phone service over.

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
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Resources, Inc.
State: CA

Complaint narrative:
I applied for a mortgage from ELend.com. Part of the reason I picked this company is because they offered a {$500.00} check if your loan did n't close on time. Over the course of a month and half their representatives asked me for information covering every conceivable thing imaginable. I provided college transcripts, signed contracts, explanation letters, tax documents, and mountains of bank statements. Each time I provided what they asked for, they came back and asked for a new set of documents. Nothing seemed to satisfy their desire for more information. After over 45 days of meeting their demands I finally realized that they simply did n't have any desire to fund my loan. This has caused me to lose the ability to purchase the house I wanted. They are making excuses to why they should not pay the {$500.00} they promised. I feel like they did n't make a good faith effort to fund the loan. I also believe they are not fulfilling their obligations in providing me a with the {$500.00} guarantee. I respectfully request they credit me the {$500.00} that is guaranteed on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
Received a letter from XXXX XXXX XXXX, XXXX to take me to superior court of California for a debt that is XXXX years old! The collection company or attorneys are Zwicker & Associates, P. C. in XXXX, CA XXXXThe Credit Card is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I am attaching in the form of an attachment a Motion to Set Aside Judgment and Request for Sanctions for violation of the Fair Debt Collection Act that will be forwarded under separate cover unless there is a way to attached a filed hereto.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
I have reviewd my credit report and I see a auto loan account that I have been disputing for a while now, I have not received any respond from requesting validation and verification of the account under law section of the credit fair act they have not comply with requests

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 2015-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: GA

Complaint narrative:
System and Services Technologies ( SST ) a company of NCO has violated again Fair Collection Practices Act and refuses to provide me with the information I have been requesting from them and acknowledging my dispute of charges. They have already been fined by the FTC and states for such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Right now I am facing a financial hardship in my household. I am currently running behind on my credit card payment with Capital One. As I am looking at my statements today, I noticed I am being charged finances charges, late fees, and XXXX monthly member fee. I understand the finances charges and the late fees, but why the XXXX monthly member fee, and I would need to go back through all my statements to see how long I have been being charged for this fee. I have had the card for while now and do n't remember ever being notified that I would be charged a {$3.00} member fee when I took out the card, and if it is in the contract I feel that fee was not properly disclosed to me. I would like there to be validation of debt of where I agreed to this {$3.00} member fee or where they properly disclosed this fee when I took out the credit card. It makes me wonder how many other consumers are being charged this fee unaware they are paying for it. If this fee was not properly disclosed, I guess my next step would be to seek legal advice to see if I have suit for damages. I would just prefer to have this account closed out, and work out some type of hardship repayment plan minus all the fees to get this account paid off instead of being in the trap of just paying fees and not paying down the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I made a purchase on my Kohl 's store credit card. Did not receive any bills, and did not think about the purchases I did make, until I received a XXXX late notice. I called Kohl 's, told them I had not received any bills, but paid the amount of purchases, plus late fees. Kohl 's did not attempt to call me, even though they had my home, my cell, and my business phone numbers. When I applied for a business loan - my bank said I had a negative credit report from Kohl 's. That is how I found out Kohl 's reported my missed payments, although no one said anything to me when I called and paid the late bill. Kohl 's did not send me a letter saying they would be reporting me, although I believe they are required to notify me they will report negative information. Kohl 's made no attempt to send me copies of the bills that they supposedly sent me for two months prior to the final notice. I did ask Kohl 's to retract the negative information, but they refuse. Please see my original correspondence, their reply, plus my rebuttal. Since I do not expect a reply to the last letter, I am submitting my complaint as promised. I believe they have a responsibility to truly attempt to contact their customers - including by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one has reported a XXXX to the irs but on my credit report its stating that I still owe a balance I have disputed this on several occasions and they have yet to change my charge off amount to XXXX if they reported as a write-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One purchased my account from another company and then claimed that I made a late payment with them, but I did not have this account with Capital One at the time they are reporting a late payment. Now that I have disputed this account, they have reported a disagreement code with a resolution of dispute to all of the credit bureaus without my permission. This has blemished my credit report further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Capital One is mining data from customer accounts to target customers and try and get them to buy other services. They are using information about me and how much money I have in my savings account to try and sell me other products.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Hi I have credit card with Capital One. It was opened in XX/XX/XXXX at XXXX time they were reporting to my credit bureaus. Now they are not. Need them to report my payment history to all XXXX bureaus if possible. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Credit Card company appears to be breaking the FCRA section 623 ( a ) ( 3 ) and FDCPA section 807 ( 8 ). which appears to be a defamation on my credit report of late payments. Also capital One Card Company has failed to a dispute sentence alert to all XXXX credit bureaus in 30 days when I requested to dispute the negative tradeline on my credit. Also capital one failed to show me copies showing I paid something late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The credit reporting bureaus are reporting my credit card accounts as fraud which is not the case. Therefore, my credit accounts are being closed in error. Also, I received a letter dated XX/XX/2017 from Capital One stating that they received a fraud notification and that they know they often send them in error so no action will be taken. Unfortunately, they decided to close the account without any further contact. These accounts are valid and I 've made payments on it as agreed over a period of time. I opened the accounts to establish and maintain a good credit history. Now, that information is not reflected on my credit reports because it was deleted. I did not file a fraud complaint with any of my credit cards or the bureaus. However, I do have a fraud alert which requests to call my number to verify my identity before opening an account under my name. This was done initially when the accounts were opened and confirmed which is why the accounts were opened in the first place. I believe what may have prompted this was a change of address as I recently moved. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have n't had a credit card with this company is over 7 years, this should not be listed on my credit file. I would like this validated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made XXXX payments online the same month. XXXX/XXXX/15 ( {$200.00} XXXX and XXXX/XXXX/15 ( {$500.00} XXXX. I called Capital One on XXXX/XXXX/15 before I made the payment online and asked if I make the payment today on XXXX/XXXX/15 will that take care of my XXXX payment, I was told yes. I received a bill for the XXXX payment along with a late fee XXXX {$160.00} XXXX. I called Capital One and spoke to XXXX he could not help so I asked for a Supervisor XXXX XXXX XXXX. I explained about the payments and that I spoke to someone at Capital One. XXXX offered to reverse the late fee but I would still have to pay the {$160.00} payment. I asked him to escalate me to his Supervisor and was sent to XXXX who told me that I would have to pay the {$160.00} and they WOULD not change the current payment. I asked her to escalate me to her Supervisor and she told me that I COULD NOT go any further than her. If she is the last person that handles situations, Capital One will not be in my wallet and I will spread the word on how the handle their customers thru Social Media. If the XXXX/XXXX/15 ( {$500.00} XXXX payment was not going to be the payment for XXXX then why would the rep tell me it would.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I opened an account with Capitol One 360 in XXXX. The account was opened with a {$25.00} deposit with a {$25.00} dollars overdraft limit. On XXXX XXXX, XXXX my husband and I purchased a time share. I provided the resort with my debit card number with the intent to transfer {$100.00} into this checking account by XXXX XXXX, XXXX, first payment due date. However, my husband and I cancelled the timeshare due to fraud and misrepresentation. I was advised by my attorney to cancel my debit card to avoid any further charges, so I cancelled the card. With a {$2.00} balance in my checking account, The time share company debit my card for {$100.00} causing my account to be {$98.00} overdrawn on XXXX XXXX, XXXX. I disputed with the charge Capitol 360 under the grounds of fraud and misrepresentation by the timeshare company. I lost the dispute. I asked the bank representative why did they allow a {$100.00} charge to go through when I had only {$25.00} overdraft protection. They told me they still allow certain charges to go through such as gas etc. I attempted to buy gas with this debit card over a year ago and the transaction declined. I have attempted to further dispute this with supervisors and gotten no where. I received an email from the escalation department stating that I can no longer dispute this item. I feel that I should not be responsible for paying this charge when there was an overdraft limit of {$25.00}. I attempted to close the account, but I was told that I could n't until I paid the pending overdraft charges. This account is constantly accurring interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am convinced that Navient has been billing me incorrectly ever since they took over my student loans last XXXX. I have been paying my bills on time and this month I receive notice that my payments are past due to the tune of almost {$400.00}, leaving me with a balance of almost {$650.00} for the month of XXXX ( my monthly payments are always approximately {$210.00} ). When I called to find out what happened, they claim there is a glitch in the system and redirect me to another department. After a 30 minute wait, I was connected to a representative that was making excuses that made no sense, claiming they made a mistake and forgot to bill me for XXXX even though the website clearly stated that the past due was from XXXX. Moreover, they have XXXX past due amounts that were different with the same date XXXX XXXX, 2016?!?!? No matter how I tried to explain how this made no sense, he kept making the same excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
10+ years ago I submitted a request to permanently opt out of receiving credit card offers by US Postal Service . Since then I have not received credit card offers by mail. Two days ago I received a credit card offer from Capital One. I have never done business with Capital One, nor do I plan on ever doing business with them. Their direct mailing to me of a promotional credit card offer is in violation of my registration to the Opt Out list.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION
State: MO

Complaint narrative:
I am having a lot of trouble with Sallie Mae. I called them three months ago for forbarence and they said it was not an option for me. I have all my public loans consolidated through the government and all my private loans through Sallie Mae. I am on Income based repayment for my public loans and I can barely make that payment let alone XXXX payments. I have been told that it is impossible for me to consolidate my public and Private loans through the government so I can have XXXX Income based repayment. If I had XXXX income based repayment, it might be possible for me to live, save money, and try to build my career, let alone buying a house. My credit is in Shambles and now Sallie Mae is going after my parents who are on the verge of retirement. I do not know what to do since I can not have these loans discharged in Bankruptcy. I have not been able to pay either public or private student loans in about 4 months. HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
I received a notice of application for wage execution from this law firm through the courts but the notice did not say who the original debtor was, how much was owed, did n't even mention an account number so I could verify. They only mentioned that they would take 10 % of my income but did n't say for how long or what the total amount is.

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 2016-09-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2010, XXXX 2010 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Trade line was removed from my credit reporting file. Item was re-inserted on XXXX XXXX, 2015. Item was disputed as previously removed. Item was updated, instead of being removed on XXXX XXXX, 2015. Also, with account no longer being on credit report, there was an unauthorized inquiry conducted by company.

Company response to consumer: Closed with explanation