vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Capital One. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX XXXX XXXX XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am in receipt of your clearly mass produced computer generated " claim '' stating I owe " debt '' your company. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. 

Please be advised that your records are not correct and that I have proof that not only is my account current, but XXXX or in this case now your company owes me money for around $ 300+/ Furthermore, I am a XXXX and unemployable XXXX XXXX. ( Attached Burden Of Proof ) XXXX United States XXXX XXXX Veteran ( XXXX XXXX ) Accordingly, I can prove to a judge that I was never late and that these late marks meet the guidelines for removal. 

Please be advised that your records are not correct and that I have proof that not only is my account current, but XXXX or in this case now your company owes me money for around $ XXXX I do have a council that will be representing me should you decide to continue to break the law and my rights. I have also been told that under the FDCPA/FCRA I am entitled to {$1000.00} per violation in statutory damages plus attorney fees. 

I do not wish to litigate, but the damage has been done, and if I have to I will. Please communicate by mail only. No phone calls. 

I have cc 'd My attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I had an FHA mortgage that was paid in full on XX/XX/XXXX with Ocwen Loan Servicing. In the payoff quote to the title company, Ocwen Loan Servicing included a full month of interest for XX/XX/XXXX when the loan was paid in full on XXXX XXXX. I waited patiently for over a month for a refund of both my extra month Mortgage Insurance premium, the escrow account funds, and the extra month of interest that was paid @ closing. I also had not received a notice that the mortgage was paid in full, but Ocwen received the funds on XXXX XXXX per my Title company. On XX/XX/XXXX I called to inquire and was told that it would go for research and it would take 2 weeks. A few days later I received a notice giving a breakdown of the escrow account and was told the Mortgage Ins. premium had to be paid for a full month because it was an " agency loan '' and it 's not prorated and a check for the net escrow account was included. I waited the full 2 weeks before calling again on XXXX XXXX about the extra mortgage interest that they collected @ closing for 28 days more than was needed. Again, I was told it was an agency loan and that 's just how it was. I asked for the call to be escalated to management and it was and I was told by the escalation dept. that they would research and contact me in about 2 weeks. I waited 3 weeks and heard nothing so I called again today, XXXX XXXX and was told that there was no refund coming. I informed them of the HUD notice XXXX released XX/XX/XXXX by HUD stating that FHA announced that borrowers who prepay their FHA-insured mortgages will NOT have to make interest payments beyond the date their mortgage is paid in full. FHA 's rule applies for FHA -insured mortgages closed on or after XX/XX/XXXX. This rule explicitly prohibits lenders from charging borrower post settlement interest, which is broadly defined as a " prepayment penalty '' by the Consumer Financial Protection Bureau., for all FHA Single Family mortgage products and programs. I gave the Ocwen the HUD notice number and read the above notice and told them as Lenders they are required to keep abreast of changes that affect their industry. I 'm sure thousands of FHA mortgages paid this year with Ocwen have had the extra interest collected against this policy. I was asked to write a complaint letter and attach the supporting evidence. I told Ocwen that they should have a supervisor check into the new HUD guideline and refund my overpayment of interest in the amount of {$400.00} + interest to me as soon as possible, and that a complaint with the CFPB would be made. This is a rip off of mass proportion as it 's been going on for 5 months so far on the thousands of FHA mortgages they 've done payoffs for this year and continue to incorrectly quote payoff figures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have never had XXXX ins

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Ceannate
State: NJ

Complaint narrative:
I submitted a complaint against FMS Investment Corporation last year because while attempting to arrange reasonable payment arrangements, they submitted a Federal offset to the IRS. I recently noticed that they responded to that complaint, but their letter was sent to the incorrect address. Since then I have consolidated my student loans, all student loan servicers were notified ; however, FMS Investment Corporation is still showing as a collection agency and they still have not removed the XXXX offset. By comparison, a different student loan collection agency immediately removed the XXXX offset when they were notified that the student loans were being consolidated. The student loan servicing agency who hired FMS Investment Corporation for collection is no longer servicing my student loan and the offset should immediately be removed. I believe the school I was attending at the time was University XXXX ; however, I immediately enrolled in XXXX School so it could be also be XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 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: Ballybunion Enterprises, Inc
State: CA

Complaint narrative:
I have had MCS ( Military Credit Services ) call me several times saying they are trying to collect a debt from me that is well over two thousand dollars. I told them it was n't mine and to send me a copy of the account and whatever else that proves it 's mine. They said I should receive this courtesy letter since they already sent out XXXX. 
They asked me for my mailing address and I told them that if they were speaking to me then they had my address. 

I never did receive that copy of my account with them. Yet, they called me again a few months backs. 

When she told me who she was, I informed her until I get a copy of the account, letters sent out to me and whatever else like I asked the last time they called to stop calling me because I did n't open up an account with them nor purchased an item that I had to finance. 

I hung up then blocked the number. 

Now I have checked my credit report and I have a hard hit from them. I check my reports about every six months. 

Its bad enough dealing with XXXX. I 'm XXXX. I 've been working on my credit myself but when this happens its depressing and frustrating because if I ever need t finance I ca n't. 

IM REALLY UPSET.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid my total outstanding balance by a check, dated, XXXX/XXXX/16 ; received a statement today saying I was past due and charging me a late fee and interest. I called, they said they still have n't received payment. I sent the check with the preprinted address and window envelope. Where is the check, where is the payment that I made?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A Debt Collector called me and informed me I was late on my line-of-credit payment. I had no clue what she was talking about. I finally concluded that a checking account and a line-of-credit was opened in my name in a Sate I lived 20 years earlier and decided to no longer make payments. 
I could n't verify account info, because I had no knowledge of these accounts in the first place. I was assured that Fraud Protection would get ahold of me, but after 2 months I still have n't heard a thing. I 've made repeated calls back to get a phone number for them, but was told they ca n't. My credit Score has plummeted from the XXXX to the high XXXX - sole because of this issue. 
I have tried calling the Financial Institution directly from my Credit Report, but they insist the debt is mine. They will not furnish me with details on who has been receiving the account statement, how long they 've been making payments or what the actual account numbers are. 
I am at a loss here. I pay my mortgage on time, I pay my car payments and credit cards on time, every month and this account pops up and is wrecking my life. It does't even pass the logic test. 
Someone must be able to furnish me with more info - and someone needs to rectify this account on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One continues to list hidden charges from unauthorized charges made to my account XX/XX/XXXX. The amount of the XX/XX/XXXX bill was {$1100.00}. On the current XX/XX/XXXX bill, the amount is {$1200.00}, which is more than it should be ; hidden charges still remain. My account should be less not more than $ XXXX, the amount of the XX/XX/XXXX. You have not removed the hidden fees placed on the account for the fraudulent charges made on my account In XX/XX/XXXX.Please do so immediately. 

a. Payments of {$50.00} each made for XX/XX/XXXX as well as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which total $ XXXX. Payments of {$100.00} each made in XX/XX/XXXX and XX/XX/XXXX which total $ XXXX. Payment of {$120.00} made in XX/XX/XXXX. 
Payments totaling {$560.00} have been made to this account but are not accounted for. 

Please take my XX/XX/XXXX and deduct the {$560.00} in payments made. Without your legitimate interest charges, the amount that I owe would be $ XXXX.If you add you legitimate fees and interest, my XX/XX/XXXX bill should not exceed the XX/XX/XXXX bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX is showing they are a factoring company on an old debt which they are not as well as they are trying to show revolving account with past due monthly payments being missed which collection accounts can NOT do. Filed a complaint with the XXXX ombudsman as well with no luck. Illegal and shady practices by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: MN

Complaint narrative:
Franklin American Mortage Company did not pay our county taxes which resulted in late fees and penalities. They assured us that they would cover the cost of the fees, but in addition to their check they took the money out of our escrow account resulting in the county being over paid. The county refunded Franklin American Mortgage ( our money ) and now they are refusing to reimburse us the funds that were mistakenly removed from our account. We 've been working to resolve this since XX/XX/XXXX, which had resulted in over a 10 phones, countless hours of our time wasted and extreme frustration. Every call we make to them results in poor customer service and a belittling attitude -- not one person there has taken ownership to resolve this issue!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My Capital credit card account my payment went over XXXX from may i cant keep on paying this amount i was charged 44.70 % for purchases and cash advances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I did not realize I was late on a payment to Capital One/Neiman Marcus - and they finally called me to inform me. I paid the account in full on during the call. They said there would be no negative credit bureau action. 

But a few months later, they did mark my credit report with a late payment. 

I called XXXX customer service to inform them they went back on their promise ( if I paid in full, no negative mark ). 

Because of that second phone call, they marked my credit report with " dispute. '' That is now a problem with my mortgage lender. 

How is it that if a consumer just makes a phone call to check what happened - their credit report is marked as an official " dispute ''? And that " dispute '' is seen as a bad thing, with the consumer assumed guilty? 

How am I to exercise my rights, if by just asking a question, I am penalized on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
This business was contacting me regarding an old debt from capital one. I had communication with them in XXXX regarding the account and was told it was perged and would not be reporting. I think got capital one to delete it. Now in XXXX they reported to all XXXX credit bureaus and have prevented me from getting a mortgage I worked the last year and a half for. I 've tried to contact them but every employee tells me something different. They call my work, my parents house ... It is basically ruining my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05 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: CT

Complaint narrative:
I tried paying off this debt several times. I explained That I had lost my job. And then as a last desperate attempt to salvage my life I was moving to Hawaii and I needed an extension on making a payment and they were not willing to work with me so I did not make any for the payments. This was over 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX continuously calls me concerning an amount I owe. They call every day, even on weekends. The calls begin early and have continued as late as XXXX. This is interfering with work and time with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One supports counterfeit products. I bought Game of Thrones 1-6 from XXXX on XX/XX/2016. I had seasons 1 & 2, but could n't buy 3-6. The seller took 10 days to ship and answered only my first inquiry that he was sure they had been shipped. They were shipped XX/XX/XXXX, received XX/XX/XXXX. I believe the delay kept a bad review from being posted before he could sell dozens more of the fakes. The discs would not play. They froze up after the warning and disclaimer screens. When they did play, they were glitchy, jumped around and lost audio. Counterfeit. The XXXX site has a page about Counterfeit DVDs : http : XXXX I downloaded the XXXX and tested the DVDs. No question ; not genuine. 
XXXX wanted me to return the DVDs, but they seller failed to send a pre-paid return label and failed to answer 2 more inquiries from me. 
When the date for return expired, I filed a dispute with Capital One. " What 's in your wallet? '' Capital One called me a liar and said I must get an opinion from a professional third party on their letterhead confirming that the DVDs are counterfeit. I had supplied them with the XXXX tests I did on my original 1 & 2 ( genuine ) compared to the eBay DVDs. 
So ... DO NOT believe you have protection. This is why so many people hate banks and I 'm not just talkin ' about XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I initially gave a merchant a down payment on Capital One MasterCard for the installation of a wood fence on my property. The fence was not completed but the company charged the remaining balance to MasterCard without my approval. I immediately contacted Capital One and they initially charged back the merchant I sent in a statement and an estimate for the completion of the fence by Capital One stated that they did not receive the estimate by the deadline. When I called Capital One about this they then stated that the estimate was not legible and closed the case. I called again about this charge and was told that since the dispute was closed MasterCard will not look into my claim again. MasterCard knowingly gave a crooked merchant unauthorized money after being told to stop the payment. I was ripped off by a thief with MasterCard 's help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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: TX

Complaint narrative:
I have contacted this company three times. They continue to call and send letters stating the debt is mines. I have told them debt is not mines. But they continue to send a computer generated bill from the actual creditor. They are also contacting me claiming to be an attorneys office which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XXXX 2016, my Capital One credit card number was stolen after placing an online food order. Multiple flights and vacation packages were purchased from different companies. Many of the charges were refunded, but XXXX were recharged to the account in XXXX 2016. I have called the fraud department approximately every other week. The previous employee, XXXX, no longer works there and her voicemail states this. During the most recent phone call, Capital One promised my account balance would be cleared to XXXX. This has not been the case, and the balance for the fraudulent charges plus interest charges are still being charged to my credit card account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I currently have XXXX credit cards with CapitalOne. All XXXX cards have a very high interest rate. In the last 12 months I came upon very difficult financial hardship due to extreme health concerns. I have been out of work and only able to keep up with my minimum monthly payments on these XXXX cards. On each card my balance has grown due to my inability to make more than the minimum payment. Now that I am getting better I called CapitalOne to try to get some debt forgiveness on the accrued interest charges. They refused, only offering {$50.00} on each account, for a total of {$250.00}. I have roughly {$8000.00} in accrued interest. I explained I do not want 'discounted ' monthly payments, as I have never missed a payment and will be able to begin making higher monthly payments towards my balance when the new year starts, because I will be back to work. They did not care, and have no interest in relieving any of the accrued debt. They also would not lower my interest on any of the cards. I have several other credit cards from other banks and they were much more cooperative with interest forgiveness as well as lowering my interest rate. I am extremely disappointed with their lending practices, and for the {$33000.00} balance, some of which is healthcare costs, can not believe I owe {$8000.00} in interest in 18 months, after 0 % introductory periods.

Company response to consumer: Closed with explanation