vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed an dispute with Capital One Bank on XX/XX/2016, XX/XX/2016 and XX/XX/2016 and I not received an response back. 
This is what I said in my dispute. 
" First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, and Capital One Bank. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to report this purported debt to the CRA, such action will be in violation of the Fair Credit Reporting Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization. Your answers were condescending and I WILL be sure to report this negative response to the OCC, CFPB, and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DID NOT ever had any contractual obligation to pay YOU, at this point as you have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. 

Your compliance with my demand that you remove this item and discontinue collection attempts is anticipated. 

Capital One never responded to all of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
I have filed complaints against Prestige Financial Service in regards of interest rate and vehicle purchase.Please review filed complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: IA

Complaint narrative:
My mortgage company is incredibly clueless. They did n't pay my Homeowner 's Insurance policy last year and it was cancelled accordingly. I contacted them ahead of time to advise I received notice and then still managed to be late even though I advised when it needed to be paid by. This year I contacted them 2 weeks before it cancelled. My insurance company said they called and asked about renewal on the XXXX and my insurance company stated they would have provided the renewal amount. My mortgage company said they never got the renewal amount (? ) and then advised me they sent a check for the prior years renewal amount on XX/XX/2016. I contact my Insurer ( XXXX ) again on XX/XX/XXXX, they advised of the above call on the XXXX and stated there was no contact or check received from the company since then. This has been grossly mishandled and I have had to figure it out both years and been stuck in a state worrying about my insurance policy cancelled, premium rising because of their mistake, or being stuck with Lender Placed Insurance because they ca n't handle an escrow account properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: MI

Complaint narrative:
I received a forbearance by a gentleman on the phone who assured me that a forbearance would get rid of my late student loan payments ( which I could n't make because I lost my job ). On XXXX and XXXX he kept his end of the bargain and they deleted the past student loan late payments, but on XXXX, I am still showing as late. 

I was recently promoted at my job and will have no problems paying my bills on time Please update XXXX to not show the late payments as discussed in the forbearance and I will be satisfied and my financial future will be back on track. 

I have attached a copy of my XXXX XXXX credit report, dated yesterday that I paid for, as well as a close-up image showing the discrepancy. 

Thank you for your assistance in this matter, and I look forward to seeing the result showing as it should be properly reported per my verbal conversation with the representative at Great Lakes,.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XXXX XXXX I made a " CASH '' deposit of {$500.00} to my TD Bank account. An hour later I made a transfer of the same amount {$500.00} from my account to another TD Bank account. TD Bank is telling me that even thought the deposit was made before the transfer and it was CASH, the deposit was not available until the next day which made my account OVERDRAWN and they charged me a maintenance fee. It sounds like a robbery to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD BANK assumed my loan some-time during the 5th to the 10th year of the loan. The term of the loan ballooned on XXXX/XXXX/XXXX. I began a loan modification/ information/assistance on on or before XXXX XXXX XXXX. I submitted all financial/employ- ment info ... and when I did not get a reply & lt ; I called to learn they had been calling an invalid number to secure additional info. 
They were disingenuous, as they had my correct phone number aside from the incorrect phone number that they called numerous times without contact ... .even though they communicated with me via email to get verification/employment check-stubs on one occasion. 
They are adding thousands of dollars to the pay-off figure as I am now prepared to pay them in full as I have closed on a property XXXX/XXXX/XXXX They have increased what I owe them from {$34000.00} to the recent payoff calc. of $ XXXX..XXXX..thru XXXX XXXX. 
The worst thing about this ... if I had not been able to pay them ... they would have taken from me a parcel of LAND that I paid XXXX ( A XXXX loan in XXXX ) ... .and they have corrupted the process that would have given me the opportunity to continue pay interest for the land ... after paying for it, interest and principal for 10 years. I am grateful I can pay them off ... but I despise what they were going to do. I will pay them off and despise them for what what was going to happen -- -they were going to take my land! My request is to have them forfeit their fees to steal. {$34000.00} is what was owed XXXX/XXXX/XXXX. 
They do n't get to win ... they were not going to grant me a loan modification/continuance ... they were going to take it from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Adjustments Inc
State: MI

Complaint narrative:
Debt continues to be reported as an unpaid collection account. This was paid in full and verification of that payment was provided to this collection agency via certified mail with return receipt attached. This needs to to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
As a customer of TD Bank, my checking account was debited by TD Bank for {$2500.00} in overdraft fees from XXXX XXXX, 2015 - XXXX XXXX, 2015. Please see attachment. 
I believe my bank has inappropriately applied overdraft fees on my account in excessive amounts. Can you please investigate this matter and any prior period? 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: TX

Complaint narrative:
This is the 5th or 6th complaint on XXXX/Altisource for this fraudulent behavior. Can you please, please investigate. It continues and it gets worse! 
The house has been improperly and illegally foreclosed. 
Stolen payments, from Chapter XXXX, many different servicers, and in-house modifications. 

NOW THE NEW PROBLEM ; I HAVE A RELOCATION AGREEMENT THRU ALTISOURCE TO VACATE BY XXXX XXXX AND RECEIVE {$4300.00} TO AVOID EVICTION. I HAVE 4-5 E-MAILS CONFIRMING, ON SATURDAY XXXX XXXX/ALTISOURCE EMBARRASSED ME AT HOME IN FRONT OF MY NEIGHBORS WITH A CONTABLE SERVING ME AN EVICTION AND COURT DATE. 
How can this happen in America? This was a malicious act and done purposefully by the some or all of the above parties. The money ( XXXX ) is a drop in the bucket to the amount they have stolen, insulting completely. The amount stolen of the payment history and trustee report is XXXX XXXX. The amount added to modification is approximately XXXX ( un-justified and never explained ) NOW COMES COURT DATES AND XXXX TAX ISSUES. 
I will attach emails.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Today, on XXXX XXXX, 2016, I shopped at the Target store located on XXXX in XXXX, California. While waiting in line to make my purchases, I heard the cashier ask the young man in front of me whether he wanted to apply for a Target Red Card ( credit card ). The young man said he was XXXX years old. He was unaccompanied by a parent or guardian. The cashier then asked a co-worker if that was old enough for a Red Card and was told yes. She then began processing his credit card application. I told the cashier that I myself was the parent of a XXXX year old, and that I would be upset if my daughter was getting a credit card without my knowledge. The cashier replied that she was required to obtain a certain number of new credit card applications per month, and that she got in trouble if she missed this quota. I told the cashier that I did n't think it was right to ( 1 ) provide credit cards to minors ; and ( 2 ) for Target to pressure its employees in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Credit Adjustments Inc
State: OH

Complaint narrative:
I keep getting calls from XXXX sometimes even more than once a day they NEVER leave a message so I have no idea what it 's about. I googled the number and other people have the same problems and I have n't even received any bills or anything in the mail. I am SICK and tired of the HARASSMENT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: DHI Mortgage Company
State: NC

Complaint narrative:
During the mortgage process I asked the lender to match the rate of the competitor. They obliged my request but failed to disclose that they obtained that rate not by matching it but by having me pay points to buy the lower rate. It was not broken out separately in the closing documents and was only brought to my attention when the tax statement for points paid arrived.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had my debit card information stolen from me on XXXX XXXX, 2016. I had XXXX fraudulent charges made on my account. Charge XXXX : {$48.00} - XXXX XXXX. Charge XXXX : {$500.00} - ATM. Charge XXXX : {$500.00} - ATM. I have been a customer of Chase for 16 years & have never taken {$500.00} out from an ATM. They have refunded the {$48.00} charge & agreed it was fraudulent but they say the XXXX {$500.00} charges are correct and wo n't refund them. They wo n't even look at the video footage from the atm. It happened at XXXX XXXX XXXX, XXXX, Terminal XXXX at XXXX & XXXX. They say because of the chip in the card, it is impossible. If the video footage shows me, I will pay the {$1000.00}. But it wo n't show me. I had the police officer who took my report call the bank and request the footage and got no where. Why would Chase refund XXXX of the fraudulent charges but not all XXXX? I made a police report with the XXXX Police : XXXX XXXX # XXXX Report : XXXX. XXXX Police Report : XXXX. Both departments said they would n't investigate the issue. Every time I call Chase, they tell me a different set of instructions to follow to get the video footage. Most Chase employees told me I would need to get a subpoena to get the footage, which the police said I would n't be able to get. Why would Chase treat a customer of 16 years like this? I have also just received a letter from Chase telling me to pay the money back or they will close my account and report the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
It was a catalog credit card thing that i never received. Never ordered from the company or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 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: Maury Cobb, Attorney at Law, LLC
State: NJ

Complaint narrative:
Re : Maury Cobb Attorney At Law LLC Maury Cobb represents XXXX. They are trying to collect an amount that is not owed and they have not substantiated the charge. 
This firm continues to call and try to collect the amount without describing what the charge is for. They call using multiple numbers. They have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
When the representative calls, they demand personal information before they say who is calling and they do so in an aggressive and demanding tone. They immediately demand payment and refuse to accept that I am vigorously disputing the charge. Today, the representative very rudely demanded payment and threatened to notify all XXXX credit reporting agencies and they may have already done so. Today after I had tried to ask what the charges were for, the representative very abruptly said that he was not negotiating and hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: The Bureaus, Inc.
State: LA

Complaint narrative:
i acquired the debt in a divorce and filed bankruptcy chapter XXXX.the debt is from 2009 and in the state of Louisiana statue of limitations is XXXX years which makes this a time-barred debt.bureaus investment group, llc.XXXX no XXXX did n't send in a claim to the u.s. bankruptcy courts and has filed a suite against my ex.i have read up on certain laws and found that they have violated the fdcpa by attempting to sue for a time-barred debt as well as not complying to the Louisiana statue of limitations and have put them selves in contempt of court as pursuant to the u.s. bankruptcy automatic stay.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from UNITED REVENUE CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against UNITED REVENUE CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC
State: MI

Complaint narrative:
Capio Partners , LLC is a collection agency who bought an account from XXXX XXXX XXXX in XXXX XXXX for medical care that was rendered on XXXX/XXXX/XXXX. Capio Partner, LLC is reporting the date in XXXX XXXX as the date this account was opened opposed to the original date of XXXX/XXXX/XXXX. Also they are showing this account delinquent in XXXX XXXX opposed to XXXX/XXXX/XXXX. They have re-aged this account which is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank # XXXX - SOLD to : XXXX Acct # XXXX This account is not even my account. It is not a credit card account. This account was a cash advance account for my mother ; her name was XXXX. She has passed away. When my Mother became unable to take care of herself and we put her in a XXXX, in XXXX, CA. I took over paying her monthly bills and her upkeep. I had all of her mail and bills sent to my house in care of me. I was never a co-signer on any of her accounts or checking account. I DID pay the Chase account payments as well as with all of her bills. After she passed away, I stopped paying her bills, as she had no remaining assets. 
I had inadvertently given some clerk at Chase Bank my Social Security number to prove the account was n't mine and they agreed. Then " someone '' at Chase then used it against me to put it in my name. My name appears nowhere on this account other than a mailing address for payments that I helped her in the last few years of life. I have written Chase numerous letters with no results. They have since sold this account to a collection agency, now they report this account in my name as well ( *XXXX Acct # XXXX ) Please help me get both of these accounts off of my credit report ... they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
We have a mortgage with Chase Bank. We have suffered a financial hardship that has caused us to fall behind on our mortgage. We want to keep our home but have exhausted all our efforts trying to work with Chase and staff. It has been extremely difficult getting past all the red tape and we are concerned that Chase will wrongfully foreclose on our home, due to no fault of our own. I have applied for a modification at least XXXX times with no success. At this point we are n't allowed to make any sort of payment. We will what they are doing to us is not fair and is not giving us a very fair chance. We are desperate in efforts to try and keep our home but feel they are n't giving us a fair chance in doing that. We have been put on a couple different re-payment plans that are extremely outrageous and we would not be able to provide for our family with paying those payments. All we are asking is for a fair chance in keeping our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank denied me credit on an application for a XXXX credit card with the reference number XXXX after citing my " bankruptcy '' from 2012 as the issue for denial. Yet, on the application they specifically asked whether or not the applicants has any bankruptcies on their credit file and I checked the box for YES and yet they still placed an inquiry on my credit report and proceeded to deny me for having a bankruptcy. I believe that this is extremely deceptive and hurtful to my FICO score. They were deceptive in their application process and misled me to believe that I would qualify for a credit card with a bankruptcy reported on my account as long as the FICO score, annual income and credit history was acceptable. My FICO score is XXXX which is exceptionally and my annual income is {$80000.00} which is more than suffcient to have this card. The reason for denying me credit was extremely malicious and had I known that they would deny me on the grounds of a bankruptcy, which they already knew I had, I would never have applied. When i called CHASE to complain about this deceptive behavior on their part they then proceeded to tell me that in fact i was denied due to inquiries on my report. That is also not true, I have only XXXX inquiries, XXXX of which was placed by them unnecessary. Knowing i have a bankruptcy, which is old, Chase should NEVER have placed an inquiry on my report since that was the REASOn they gave me for rejecting my application. As a result of their unnecesary inquiry my FICO scores have dropped XXXX points!

Company response to consumer: Closed with explanation