vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
While applying for a home loan my wife and I noticed a Capital One XXXX XXXX card on her credit. We do not have this card and do not shop there. It has a {$88.00} balance and $ XXXX payment but we did not open this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XXXX XXXX 2016 My Capital One Visa credit card account was charged XXXX by the XXXX XXXX XXXX company located at XXXX XXXX XXXX XXXX XXXX Florida . 
My son used his ( joint ) visa credit card to pay for a cab ride from XXXX to XXXX XXXX XXXX XXXX, a XXXX mile ride. The driver told him he could not print a receipt after he swiped his credit card in their reader machine. 
I alerted Capital One immediately that this charge was fraudulent. They have given me provisional credit twice, and then charged my account back, because the fraudulent party has provided them with a fraudulent receipt. 
I have argued with my credit card company that it is clearly fraud, how could a cab ride cost XXXX? Most likely the short ride cost XXXX. 
They have denied me reimbursement, because the card was swiped which I feel is unfair. They have not protected me from a fraudulent transaction which they claim they offer their customers as a protection benefit. 
Whoever this company is, they do not have any phone numbers, etc. and are most likely preying on students, etc. 

Please let me know if I have any recourse with my credit card company, they have closed my case. 

Capital One case # XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had a card with this company but closed it back in 2002 due to someone using it on XXXX. When I contacted the card company the admired they had mailed a duplicate card to California. I immediately paid the card balance and closed the card, they investigated and mailed me the findings along with the ladies identification and social security #. They also mailed my info to someone by mistake. For this reason I would never open another account with capital one. I have informed XXXX but they do n't return calls

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My mother lent me a loan in order to pay my Capital One Platinum card & Quicksilver Card. They reversed the payment after my brother questioned the payment. They accused me of fraud & closed both my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: NV

Complaint narrative:
I have contacted Lexis Nexis previously regarding information being reported on my CLUE report. Lexis Nexis has failed to take any action. Lexis Nexis reports that I was the driver of an accident that occurred XX/XX/2015. I was not driving the vehicle nor was I present when this accident occurred. Additionally, I have submitted documentation showing the driver of the accident was XXXX yet Lexis Nexis fails to remove the erroneous information from my report. 

Insurance companies are using the information reported by Lexis Nexis to rate my policies which is causing me a loss as my premiums are higher due to this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
While reviewing my XXXX Credit Report, I was reviewing credit " record of requests ''. Much to my surprise, Capital One - XXXX XXXX XXXX XXXX XXXX XXXX, Utah, XXXX, has apparently been recording hard inquiries on my credit to the tune of XXXX times since XXXX 2015. When bringing this to the attention of Capital One, one representative disconnected the call after 15 minutes of being on hold. After a second call, I got to a completely different call center where the individual was extremely rude, implied that I was wrong and said that they would n't do anything without the original copy being sent to them from XXXX. This is way too many inquiries, with XXXX of the XXXX happening within the last five months. I have not asked Capital One for information, nor do I want them to continue to inquire on my credit, or receive offers for their credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I would like a credit line decrease on my CapitalOne card. I want to apply for a new card from another providers and eventually cancel the CapitalOne card. I want to reduce my revolving credit to get the best rates from the new company. I requested a credit line decrease from CapitalOne which they denied and will not tell me why. I asked to speak to a supervisor, and was told that no person can override the computer determination that I am not entitled to a credit DECREASE. 

I do n't why it is even lawful for a credit card company to decline to DECREASE consumer credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i have a capitol one account that was open off fraud. I request account be deleted from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
Linebarger Gogggan Blair & Sampson LLP Depth collection claim that I owe XXXX XXXX {$220.00} which already been pain in full to sunpass from my debit card and I told them that already been paid they still want me to pay them regardless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration
State: NJ

Complaint narrative:
several threatening calls would not send me any documentation as requested. Hung up on me whe I kept insisting on paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
my name is XXXX XXXX my telephone number is XXXX my address is XXXX, TX XXXX I 'm complaining about my heart loan that was originally approved with XXXX XXXX XXXX the originator of my loan which was done back in 2005 I completed the process of acquiring A harp loan but my payments have continued to go up regardless of the guidelines that are set is a hard process. XXXX alone servicer made numerous errors in the accounting of my account in regards to figuring the escrow and taxes in which they more than once regarding the right amount of tax to be assessed on my XXXX a {$3000.00} unapplied funds which had to be retroactively corrected after having my loan for less than a year they transferred the loan to Shell point mortgage servicer also increase my payments even while I was under the harp program saying they had the right to ask for an additional {$900.00} to Cushing my loan they have failed to provide me monthly statements they help with failed to return phone calls you 're unwilling to provide documentation is on what they 're doing I 'm filing this complaint in regards to my Shellpoint Mortgage Servicing loan number XXXX. Shell point mortgage servicing address is XXXX XXXX XXXX, XXXX, OH 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 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have a mortgage with ShellPoint Servicing and it has PMI. Now that the house prices have gone up, i requested them for PMI cancellation. They sent me a form to sign which also forced me to sign for appraisal at my cost. After all these, now, they say, the PMI can only be removed based on original Loan Amount, and not the current appraised value. My compaints, 1. They didnt tell me this earlier, 2. When they knew this, why did they ask me to sign for Appraisal, 3. they charged me for appraisal. 4. they dont give me the PMI requirements clearly in writing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
this account is on my credit. i have contacted this company and they can not supply any signed agreement holding me responsible for this debt. i was also advised by supervisor that statue of limitation on that debt was 2015.

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 2015-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Bronstein & Weiss Arbitration
State: NC

Complaint narrative:
I continuously receive calls from a companies ( the name and number change each time ) with the scam stating that I owe a debt and they 're filling charges with the courts for felony check fraud if I do n't pay them money. They call my work, my husband, my family, my mother-in-law, my husband 's ex-wife and others. I told them not to call my work or anyone else and to serve or send me with papers verifying the debt. They wo n't even tell me what the debt is. That is why I know it 's a scam ... That and the fact that this has been happening for years now and still have not ever received any verification. I 'm tired of being harassed. 

The latest call to my mother-in-law was from a place called Bronstein XXXX XXXX from XXXX. My husband received a voicemail from an unknown number to call back at XXXX. The guy said that court papers were being delivered to my work and home for failure to comply. He did not mention his name or the company 's name. My husband saved the voicemail.

Company response to consumer: Closed with explanation
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 is not mine
Company: Linebarger Goggan Blair & Sampson LLP
State: AL

Complaint narrative:
Received a collection agency notice to collect a toll I do not owe. If I had owed it, I would have receive a notice from the State of Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: KEYCORP
State: WA

Complaint narrative:
We applied for a HELOC through Key Bank in XXXX, because they were offering a 2.75 % rate on the first and told us we could get 4.5 % on the second loan. We were promised repeatedly over the 3 month application pending period, that we were getting these rates. While signing the document for the first, we were told that they " do n't put the rates on the documents '' so they could n't show us the rate we were signing for, and we would have to call customer service to verify that we were getting the promised introductory rate. During the second signing, I noticed on the document that it said " 5.91 % '' rather than 4.5 %, and asked about it. They said that was the rate plus prime, and if we have a problem with it, we should n't sign the documents. Of course we were already there, and felt pressured because we had already spent over 3 months trying to get these loans, and were waiting for the loan to start designing a remodel. Only after signing the documents did I call customer service and they told me we signed a loan at 3.99 % for the first and 5.91 % for the second. Quite a bit higher than we were told, repeatedly. The entire process was very sketchy. We even have emails with them telling me I would get the 2.75 % rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21 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: FL

Complaint narrative:
Regarding a XXXX installation. XXXX installed internet and TV service under a30 day trial. The service did not function correctly repeatedly. Within the 30 day trial period, I told them to remove it. They did so but charged my account {$130.00} but never sent a bill that I received. They turned this over to Credit Management , LP. to collect. Credit Management would not accept the XXXX reference number ( XXXX/XXXX/2015 ) saying it was rectified. My XXXX score, I just learned last week, is now low XXXX 's down from over a consistent XXXX. I had called XXXX to rectify on : XXXX/XXXX/2015 XXXX # XXXX ( talked to XXXX in XXXX XXXX XXXX said she would fix it and someone would call back to confirm. They never did. 
XXXX/XXXX/2015 talked to XXXX Billing Dept?? Ticket # XXXX said I would receive a letter confirming the correction and XXXX fix on priority basis. As of XXXX/XXXX/2015 no letter was received. 
XXXX/XXXX/2015 I explained XXXX last time the issue but I am certain the gal on the phone was not understanding the issue. I requested to be contacted by a supervisor and let them know this is my LAST call to XXXX. I have no confidence I will hear from XXXX. 
I applied for a home mortgage last week to find my damaged credit score and now have to accept a higher rate 4.75 % due to this. This will cost me XXXX dollars. 
I request XXXX be fined and pay me damages of {$100000.00}. 
I have the notes from each call on file. I also want them to fix my XXXX score and I ask that Credit Management be fined and pay me damages for predatory practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 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: MI

Complaint narrative:
Credence Resource Management, LLC phoned cell, then home. Asked for last XXXX of my SS #. Say I owe {$54.00} for a cell phone, yet I have never had that cell number. I phoned the provide, XXXX XXXX XXXX, who confirmed I do not have an outstanding balance nor had that cell number. Credence also sent a letter to my home soliciting info. When I called them, they again asked for last XXXX SS #. I think this is a scam and am about to call the police.

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 2017-02-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been denied twice for a loan modification from Shellpoint in the last 6 months. My initial request went in XXXX and I should have been considered for the HAMP program that was still active. I have sent them proof that I can afford my mortgage payment and have asked them to add the arrears to the balance and give me a fresh start through the MHA program and/or their in-house programs. In the first review, the income that was calculated was not accurate and we were denied for lack of income per a discussion with Shellpoint representative, and so we submitted the package again via an appeal to the first submittal in XXXX XXXX. The denial letter of XXXX/XXXX/XXXX also states that the investor on our loan, XXXX has not given Shellpoint authority to modify our loan under HAMP and that the XXXX did not approve a Standard Modification because of the results on the NPV evaluation. 
The appeal was sent in on XXXX/XXXX/XXXX with the supporting income documentation. Shellpoint on XXXX/XXXX/XXXX once again denied our request, now for a different reason that was given to us over the phone. We are waiting for the denial letter as we write this. The reason that was given to us over the phone was something having to do with our property having equity. It sounds to us that the servicer and possibly the investor are just wanting to foreclose my property because there is equity and they would be paid in full, leaving me and my family of XXXX without a home. 
We believe that Shellpoint and its investor can work something out for us and have not taken the necessary steps required by the law to consider all options for us. They keep coming up with a different excuse to not approve our loan modification. Please help us investigate this servicer and investor, we really can afford to keep our home and now are stable to do so. We just need a chance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I signed up for the XXXX / Barclays Card by filling out a form on a flight. 
I have had several issues with the account : 1 ) Name was spelled incorrectly on card / account, this took several months to correct 2 ) An Annual fee of {$89.00} was charged on my incorrectly spelled account which had not been activated - I had no means to pay / access this without corrections to my account 3 ) I never received the XXXX award miles that were promised as a part of the promotion 4 ) Incorrect credit report lead to me not being able to be part of our home loan : '- Barclays reported my late payment to the Credit Bureau XXXX They corrected this once I I disputed in light of XXXX XXXX and XXXX XXXX above. 
- I needed a letter from Barclay 's as proof that they had withdrawn the credit complaint. I had to call them XXXX15 times to get the letter. By the time they sent it, it was too late. 
I cancelled my card just this morning, to avoid any future interactions. This has been an absolute nightmare - with a {$100.00} dollar charge leading to me not being able to get on a home loan.

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 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hameroff Law Group, P.C.
State: AZ

Complaint narrative:
XXXX XXXX , XXXX Represented by Hameroff law Group XXXX as. 
Went to our bank XXXX XXXX and was allowed to take XXXX out of our savings account. 
We were never told about this. 
We only have our SSI coming in. 
The bank never told us about this either. 
It said they could never do this but they did. 
What can we do now? 
We have no other income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
This company has been calling both of my phone numbers repeatedly, daily. Today they called my phone number 8 times, when I answer the phone there is no one there. I finally waited 4 minutes tonight to actually speak to the person calling. They could not tell me where they were calling from or speak understandably at all. 
They have been double dialing, I get multiple phone calls back to back. A week ago I asked them to send me information about whatever debt I owe and they hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Bronstein & Weiss Arbitration
State: NM

Complaint narrative:
Received pre-recorded call at XXXX personal and work phones from XXXX stating that they would be freezing my bank account in the next XXXX hours. No specifics provided regarding source of alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My mortgage was sold to Resurgent Mortgage Servicing after I had refinanced my mortgage with Selene Finance in XXXX of 2013. The very first month they took over my mortgage, they increased my monthly payment over {$500.00}. This was what they said was " their Fees ". I paid the first month of the higher payment and then consulted with an attorney. He sent them a letter, before anything was accomplished, Resurgent sold the mortgage again to Shellpoint Mortgage Servicing, which I found out is an affiliate of Resurgent. Again, my attorney contacted them ( Shellpoint ), and tried to get t situation resolved. I have not payed any mortgage payment since the first payment I had made to Resurgent. All Shellpoint wanted to do was to do a loan modification or a refinance. My original interest rate was aprox 2.8 %. They do not want to honor my mortgage agreement that I originally signed with XXXX XXXX. My attorney all of my original documents as far as the refinancing and has the correspondence to both Resurgent and Shellpont. My home is now being foreclosed upon and I do n't see how this can happen. It is my understanding that when a mortgage is sold, the buyer buys it " as is " and CAN NOT add fees or change the agreement any way unless the property taxes or insurance changes. I have saved all of the payments that should have been made, I just refuse to pay more than what my original mortgage agreement states. My attorney is XXXX XXXX and his email is XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation