vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
My monthly, 30 year fixed mortgage payment has gone up from {$860.00} to {$970.00} due to an increased amount going to escrow. A small part of that change has to do with an increase in insurance cost ( which is fine ) but the majority has to do with an increase in taxes. While taxes increases can happen, the amount of the increase is primarily due to Imortgage ( website : http : //www.imortgage.com/ ) using the valuation that was given to them from the leasing company and not the most recent appraisal value when giving me an estimated payment amount. In short, they used the valuation from when the previous owner bought the property to estimate my taxes, and since prices went up considerably in that time ( the previous owner bought the house at the bottom of the market in 2009 ). their estimation of my monthly payment is now drastically off. If they had given to me a more accurate estimate of payments based on the actual appraisal, I would never had bought the house ( it is an investment property ) because the costs would not justify the income. I believe what they did was intentionally deceptive in order to push the loan through. I can provide all details and documentation if requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Innovative Credit Solutions
State: IL

Complaint narrative:
The debt collector is refusing to answer the following questions and refusing to remove the account from my credit reports. 
1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?

Company response to consumer: Closed
Consumer complaint received 2016-06-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Issue that occurred was on Friday afternoon, XXXX XXXX, Capital One bank contacted me, and informed me they accidentally drilled into my safety deposit box, ; they said i needed to go down there and pick up my items. The bank is located at XXXX XXXX XXXX, XXXX, Texas XXXX. The Manager who called me is XXXX XXXX However, upon arriving at the bank, the bank refused to release or even let me see the contents of my safety deposit box, unless i signed a form, waiving all liability to the bank, and confirming that all items were intact despite not having been able to see them. I was offered a chance to review an inventory that was hand written, illegible, and disorganized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
After moving, we got behind on paying credit card. XX/XX/2016, contacted Capital One regarding past due debt XXXX ; we wanted to make payment. They transferred my call to a " lawyer '', who was far from professional. Name was XXXX XXXX XXXX. He stated that he would accept {$1900.00} settlement if I gave him our account information immediately. I told him that I would not be giving anyone access to my account. He said he could not help me without account info. On XX/XX/2016, we made an appointment with our attorney. He contacted Capital One & was also transferred to a " lawyer ''. The situation was explained to her & she stated that the first lawyer was incorrect in his information ... that they could not take any payment from us because we had moved to another state. She said she would have to send us information. Our attorney said to wait for information. We never got any information ... its now XX/XX/XXXX. We want to pay this credit card balance & have it reflect as paid on our credit report. At this point, we have no idea what to do to get a settlement in writing so we can take care of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, therefore, I could n't be the one to incur charges under the Capital One account. I am a victim of Identity Theft. Please remove these charges on my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been making payments for over XXXX years to Capital One ( previously XXXX XXXX ). When Capital One took over XXXX XXXX, Capital One would charge me $ XXXX yearly in fees, which I did not have to pay originally with XXXX XXXX. 
In addition, every month for the past XXXX years, I have paid their interests fees, 3.25 % and some Principal, but my loan has never reduced to a logical financial satisfaction. In fact, my loan has increased. 
On XXXX XXXX, XXXX, I submitted a package to reduce my interest rate and therefore to reduce my Principal balance, due to a hardship ; and have spoken to and received letters from approximately seven different people. 
Lately dealing with XXXX XXXX, Loss Mitigation Specialist ; but she has misplaced some documents which I submitted. Unfortunately, I have misplaced my copies and requested a copy from them, but it was denied. All documents that I submitted were via Post Office, I do have a {$10.00} returned receipt. However, in her letter she does admit there were XXXX pages. XXXX XXXX, also requested additional documents that stated " no later than Friday '', XXXX XXXX, XXXX. The letter states that if Capital One does not receive the documents by that date, it will be denied and I would have to start another application package. 
Therefore, I am submitting documents and basically a new package again by Friday afternoon, XXXX XXXX. 
P.S. Not once in XXXX years have I been late in any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover Student Loans, is yet again not processing payment of money order sent in. Friday XXXX XXXX XXXX I mailed out payments of XXXX money orders. XXXX for loan XXXX and XXXX for loan XXXX. That is now 3 WEEKS ago. Loan XXXX is NOT processed still. And now they are claiming I am late on payment. I fought this exact issue on XXXX of these XXXX discharged loans XX/XX/XXXX. 
I can not online view these loans balances. 
I can not give them payment in ANY form online. 
I get no mailed invoice, balance, statement or mailing adress monthly or every on loan XXXX and XXXX. 

I pay more then the minimal every month since XXXX XXXX. Once again, and again not first time on this happening 3 weeks in XXXX gets processed Loan XXXX this week ... ..two weeks later so much for 7 to 10 days, 2 weeks for XXXX and 3 weeks for loan XXXX not processed yet. Yet I will be told I am late on the payment and be penalized and magically the only time I will hear from Discover Student loans on these account sub loans XXXX and XXXX. I dont even know what I owe I have no means of viewing the balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One has been charging {$8.00} monthly fee without notice. When I opened the account I was told the account was a free checking with a monthly charge. I contact Capital One about the error and I was told " sorry '' but not refunds! I started back working part time and still receive unemployment this is a financial hardship I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Received information about a debt owed from collection company that was purchased from original creditor, 2 years after debt was aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Receive daily calls from this company. They have the wrong person. I tell them this daily. They say they will take my name off. I continue to get daily harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
A company by the name of " Portfolio Recovery '' has re-aged an account and reported it to the credit bureaus. The credit card account was previously closed in 2012 but is being reported as a new charge off with a new and recent date, which is affecting my credit score. Also, I was never contacted by " Portfolio Recovery '' to validate any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I purchased a XXXX on XXXX XXXX, 2015. After signing all the papers, arriving at a monthly fee of {$360.00} for 5 years, I was called back because I was told that there had been a computer " glitch '' that day and they needed to " recalculate '' my numbers. I trusted them and signed new papers which now have me paying {$380.00} monthly. 
I am a XXXX yr old woman and in retrospect realize that this was seen as an opportunity to take advantage of a senior citizen. 
There is also a discrepancy between what I was originally told the total cost of the car would be at {$28000.00}. With the new calculations the total cost of the car is {$33000.00}. There is a notation on the original paper that the total cost of the car is {$30000.00}. I put down {$5000.00} in cash and {$5000.00} for my XXXX trade-in. 
I have XXXX account numbers with XXXX XXXX, XXXX being based on the first bill for the originally agreed monthly payment of {$360.00}. ( Which I have attached with this letter ) .The second being for the new montly fee of {$380.00}. 
I am ashamed that I did not take my son with me to negotiate the buying of a car. I did take a friend. When she thought the deal was done she walked away. I was embarrassed to call her back for either of the signings. I still have not told my son. 
I am so ashamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Please forward all information pertaining to the opening of this account. It is not known to me and was opened without my authorization. I have on going issues with identity theft and require all for the ongoing investigation in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Continuously called, when answered they hung up. I called back to discuss the issue and when I advised that we would be taking care of the debt soon and mentioned the possibility of bankruptcy they representative hung up. The call was not clear, their systems sounded as if I was speaking to a robot the whole time. If they truly want to collect funds they should communicate with clearer phone lines and not hang up on someone that was willing to actually answer their call and even call them back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JAMES B. NUTTER & COMPANY
State: AR

Complaint narrative:
my mother in law got an reverse mortgage in XXXX XXXX for loan was for XXXX which is alot more than the property is worth. well she was in her XXXX when she got this. she is now XXXX.she now needs her son and my help with her finances. XXXX XXXX claims they have sent her XXXX thats on paper that they send her each month.my husband, her son tried to get an 3rd party but XXXX turned him down. they gave no reason. we have power of atty, what we want to know is when did they send this money, how much each time and where were these checks cashed. also she was paying XXXX a month for house insurance. we are completely shocked at that.that house isnt worth XXXX,. we were going to sell it, but nutter is giving us trouble. they want XXXX for an appraisal on the house.the realtor had a buyer. what we want is 3rd party and an itemized statement of when where and who cashed them. mom doesnt have any money at all in her account. there is no way she could have spent that much. the realtor can only find XXXX he cant find about XXXX of the loan. he suggested we get an lawyer. i hope you can help her. she work all her life for that house and now she has no money to take care of her. she should have more than enough for the rest of her life.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
Toyota Financial Services does not want to remove their derogatory information to the credit bureau although per my telephone conversation, they will not report me for being late because it is not fault. Monthly they draft my account. I called Toyota Financial Services that I am going to close my bank so they have to charge my new bank account, this was XXXX XXXX, 2016 and also fax them an instruction on XXXX XXXX. They sent me their own form and I fax it on the XXXX of XXXX. I was surprised when I received a past due notice and called them right away. They say they will charge my account for two months without late charges and will not report me to credit bureau. But to my surprise, they reported me to credit bureau for one month late. I gave them more than 30 days notice, by telephone, XXXX XXXX and by letter, XXXX XXXX. I wrote to them but denied my request to reverse their derogatory remark. I was not at fault, it is their negligence, why should I be penalize? 
They admitted I was not at fault by not charging me late fee. Day one I never missed any payment because it is always drafted from my bank account. 
I highly believe that this bureau is my last resort to listen to my complaint. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I had previously submitted a complaint against Portfolio Recovery, and they did not address the complaint that I submitted. All they did was say that " XXXX has furnished information to the consumer reporting agencies in accordance with industry guidelines. XXXX verified the account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. '' Portfolio recovery is not reporting accurately. They are reporting as a factoring company, and as an open, revolving account, which they are not. They are a debt collector. They are also reporting payments on my reports monthly, which they can not do as a debt collector, and furthermore, I have never made a payment to them even through they are reporting that I have been paying them for the last year and a half. Regardless, they can not, as a debt collector, report monthly on a credit report. 

I never received a dunning letter from Portfolio Recovery after they purchased this account from XXXX, which they were required to send. Furthermore, after sending them a request for verification, they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Portfolio Recovery has been calling my home phone multiple times per day for the last week. They have now begun calling my cell phone as well. The will call 2 or 3 times in a row. It gets so frustrating that we unplug our phone. I can see every time they call on my phone log. They never leave messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The account being reported is not accurate. I ask for proof proving the information being report is correct. The reporting agency failed to give me that information and so did the company reporting to the bureau of the accuracy for their claim. The company was sent a cease and deceit letter on XX/XX/XXXX to stop all and any collection and to not report anything to any credit bureau. I also call and confirmed that they did receive the letter and I was told it would cease. On XX/XX/XXXX this account showed up on my report with total incorrect information ( dates amounts ) all false. I contacted the collection company again and was told the credit bureau is report this without their consent. They are reporting dates and billing for days I did n't live at that property. I disputed this with the credit bureau and they continue to report the inaccuracy. I have ask that Transunion, XXXX and XXXX remove this from my report and they have fail to do so. I was sent a letter on XX/XX/XXXX by Transunion stating they will not reinvestigate the dispute and will not provide me with any information as to their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX was the credit card provider for the debt of {$1400.00}. The cc was opened XX/XX/XXXX. I went delinquent on this loan of XX/XX/XXXX. The delinquency was due to lost of employment XX/XX/XXXX and also separation. XXXX XXXX sold off this loan to Portfolio XX/XX/XXXX making my debt start all over again. I dont believe that i should wait another 7 years eith Portfolio The debt collection agency said it will stay another 7 years on my credit bureaus. This has to be unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC

Complaint narrative:
I did not find the right option for my complain, so here it is. 

This account was originally from XXXX XXXX now XXXX, I have requested many times the information to be investigated because I know about the Discriminatory Credit Card Practices against consumers that had a XXXX XXXX address and I am XXXX of them. Neither XXXX or this collection company Portfolio have changed/deleted the information. Every time I file a dispute in my credit report since the article came out, shows the information has been corroborated and remains. I have copy of my credit report and copy of your article dated XXXX XXXX, 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KY

Complaint narrative:
To whom It may concern, I am writing to file a formal complaint against Toyota Financial and XXXX XXXX Dealership. In XXXX 2015 my family and I were the victims of predatory lending. We went to XXXX XXXX to find a family sized vehicle and unfortunately were told we had some negative equity that would make it nearly impossible to finance a vehicle. The salesman and sales manager insisted that if we went through their bank " Toyota Financial '' no matter the amount of negative equity, they would be able to push it through and make the deal work. At the time we were very vulnerable and the salespeople and managers at XXXX XXXX saw that and immediately took advantage of a young family and our situation. Since we leased the vehicle in XXXX 2015 we have been under a severe amount of stress trying to make the XXXX XXXX car payment each month. We have been late a few times but try our hardest not to be since we do want to maintain our decent credit. On XXXX separate occasions I contacted Toyota Financial AND XXXX XXXX to explain to them that I could no longer afford the vehicle. Toyota Financial explained to me that my only option would be to find someone that could take over the lease. This would be impossible to do considering the monthly payment. When I spoke with the dealership directly they were very frank, rude and defensive and told me if I brought the car back it would be marked on our credit as a repossession. I am writing you in one very last desperate attempt to get help as I have exhausted all other options. My family and I are victims of a monster sized companies Toyota Financial and XXXX XXXX preying on vulnerable families. I know for a fact we were victims of the following : Predatory Lending Over Excessive charges and Fees And a violation of the Truth and Lending Act I have gone to both parties and expressed my inability to continue to pay the high car payment each month and they have not given me any reasonable options. As a result of their refusal to help me I have no other choice but to file this formal complaint with you.

Company response to consumer: Closed with explanation