vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: LEXISNEXIS
State: NM

Complaint narrative:
This is the second time I file a complaint against Lexis Nexis Risk & Information Analytics Group Inc. 
I received an adverse action notice from XXXX regarding a recent credit check. They provide the name of the credit reporting agency, Lexis Nexis Risk & Information Analytics Group Inc., as the agency that can provide me with my free credit report. They state that I have 60 days to obtain the report from the date provided on notice, XXXX XXXX, 2016. 
Upon contacting LexisNexis Risk & Information Analytics Group Inc., I was asked to have my social security number, date of birth, zip code, address number, and phone number ready. I provided my social security number to the automated system and the automated system stated that the social security number provided was not able to be verified. I called the number provided, ( XXXX ) XXXX, a second time and received the same message. 
The contact information provided for LexisNexis Risk & Information Analytics Group Inc. is the following : LexisNexis Risk & Information Analytics Group Inc. 
XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I have attached my driver 's license with both my maiden name and married name. 
I have included my social security cards, XXXX with my maiden name and the other with my married name. 
I also included a copy of my most recent utility bill with my maiden name and current address. 
I included a copy of my banking statement with my current address. 
Finally, I attached a copy of the adverse action notice received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had XXXX credit cards with Capital One at an introductory rate of 12.99 %. I have had them for several years but I recently paid them off and kept receiving bills for interest charges at a rate of 25.93 %. They would not reduce my rate below 20 % and said they could not lower it below the introductory rate. When they checked the introductory rate they told me it was 22 % which can not be true as I do n't use credit cards that often and certainly am not going to pay that kind of interest. I believe Capital One is being unfair in their interest rate practices. I paid these cards in a timely manner and always paid more than the minimum due? Changing interest rates at random should not be allowed. They do n't put a note on your bill telling you your interest rate has changed. They just change it. With the prime rate being low these credit card companies should not be allowed to charge this kind of interest. I have paid and cancelled these cards. They will no longer be able to rake me over the coals with their high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX, 2015, I had made a deposit of {$55.00} at the Capital One Bank in XXXX, Md to my credit card ending in XXXX. When I returned home to check my account, my online account was restricted. I had called Capital One and they requested for me to go to the branch Capital One bank to verify my identity. I went to the bank XXXX mins after the call and done what was requested. Prior before leaving I was told that my account will be back up and running and to not worry about anything. I have repeatedly call for XXXX weeks asking what has happened to my account for them to close it. I have talked to the Capital One Fraud Supervisor who could not tell me why they close my account. They have sent me no notice of intent to close, fraud or anything of that nature. Nobody can give me an answer of why my account is restricted. It is fishy to me that my account went closed after I made a cash deposit in the bank. I am applying for mortgage next month and due to my account being restricted or closed, I can not pay down my balance to lower my utilization rate. The Fraud Supervisor told me I could still make payments but when I went to pay down on it the branch tellers told me I could n't because the account was closed due to Fraud. I am worried about my credit score and can not get any answers from no Supervisors of Capital One. All they keep saying is my account is under investigation for Fraud but they have found no Fraud on my end. So I keep asking why do my credit score has to suffer because of something they are messing up on. They can not give me a clear answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Through a divorce settlement our ( my ex wife ) and I had defaulted on our vehicle loan. Understandably we recognized it would be in repossession. Both capital one auto finance and myself had been in constant monthly contact due to the non payment and I explained we could no longer afford the vehicle. No problem, I understood they would take possession. I had told them the location, parked it easily so there would be no issue to obtain it. It took them weeks to come take the vehicle. I kept calling but they seemed not to concerned and told me that they would find a tow company and remove the vehicle. No problem. However, weeks before this, maybe more like months, I tried working with them and had a family member willing to purchase the vehicle for XXXX less than what was owed..which at that point that XXXX was entirely all late fees and finance charges..not principle..they said NO! Ok, so fast forward XX/XX/2015 they finally took possession after months of going back and forth waiting for them to either make a decision on selling the vehicle to my family member or take possession..The vehicle was tagged, titled, registered and insured out of XXXX. Insured through XXXX. The vehicle was in XXXX during the repossession because I was up there for a few months during the holidays and looking to relocate possible. So, they finally took possession..I never heard a word from them..not a word, not a call, email, letter, certified..nothing..they simply sold it at auction..I 'm assuming and sold it..the balance owed they simply charged off on my credit..leaving me with a charge off balance of over XXXX. I only found out after recently pulling my credit and seeing what they had done..according to XXXX repossession statue they are responsible for allowing me a chance to buy the vehicle in full, tell me where the vehicle would be stored, tell me the auction day and time and location..and also what they sold it for..Also, through XXXX statue they violated my right to know..giving me zero information..And worse than that they sold the vehicle for far below fair market value for that vehicle..simply taking what they could get and charge me the difference..which is all interest, and fees..they got their principle amount back through the auction..but I was given ZERO notice of anything..I would of bought the vehicle back at the auction..I had offered them double what they sold it for..They also violated XXXX repossession law..I 've written both the state attorney office in XXXX. And my state representative in XXXX. Both parties have stated that capital one clearly violated my rights..they took my vehicle which they had the right, because I defaulted on the payments, but violated my rights in the way they repossed the vehicle. Thus leaving me with terrible credit, an XXXX balance on my credit and I 'm helpless..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
chase employees are awful, rude and incompetent. me and my wife just spent over 4 weeks and it feels like XXXX hours of our time being transferred around and lied to. i do n't think many of there employees even where paying any attention to what i was saying it was a waste of my time and theres. The where just wanting in till it was time to go home. MY request was a simple information request about a check that we did not get. At any other company this take at the most a XXXX minutes. what did work was calling the CEO number XXXX XXXX XXXX. They will try to transfer you to a call center where the employees are again awful, rude and incompetent. Do not let them transfer you. Demand that the person that answer the phone updates you about the status of you case. the will lie to you and hang up on or put you hold. you may have to call a couple of times. this is the only thing that works. only till this CEO number is tied up will any of the departments help you. its sad i had to do that but no one else will help unless the people that answer this number time is taken up. my time is just as important as there. the should improve there customer service if the do n't what people calling the CEO number. Again do not let them transfer you. make the person who answer the phone get involved. also other numbers i got are XXXX at XXXX XXXX XXXX she is 1st level manger who helped me after 8 days. also call XXXX XXXX at XXXX XXXX XXXX he is at security and tell him you want him to get involved because there customer service is so poor. The government should break this bank up. my wife is XXXX and i am Veteran XXXX who works nights to help to pay for my wife 's school XXXX. if any of these employees got this level of customer service from me or wife it would be criminal. they should feel ashamed. we deserve better customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Bonneville Billing and Collections
State: NH

Complaint narrative:
None of the above actions properly stated my issue, although I was forced to choose one. I chose, '' contacted me instead of my attorney '' but that is n't the issue. New Hampshire state law does not permit debt collectors to leave messages. a debt collector from Bonneville Collections left a voicemail for me on my cell phone in early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I am submitting a complaint because Shellpoint continues to dual track and perform deceptive, unfair and abusive loan servicing practices and has now given me an endless runaround for 3 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I have been trying to get my mortgage company to schedule a new appraisal so i can eliminate PMI on my loan. I followed the mortgage companies directive and sent in a signed request. It was confirmed received almost 6 weeks ago. I have spent the last 2 weeks calling every couple of days trying to get resolution on my own for an appraiser to contact me. I have been told my request has been escalated several times but i still have no resolution to this issue. i am hoping by writing to this bureau and appraisal will finally be completed so i can eliminate PMI from my loan.

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 2016-10-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Hameroff Law Group, P.C.
State: AZ

Complaint narrative:
Hameroff Law Firm, in XXXX, Arizona sued me for a debt less than XXXX dollars for collection. Before the lawsuit, they would call me at all hours of the day, leaving horrible messages and the few times I spoke to them, they left me in a state of panic. I explained the current circumstances at the time and how I could pay but they would not accept it, they wanted all the money at one time and immediately. Communication with them was absolutely terrifying and I was afraid to even answer the phone. 

Hameroff sued me, I went to the courthouse but it would cost me additional money to answer, money I did not have. I left messages to the company but they did not return my calls. 

I began working with XXXX to help restructure my debt and even they had a difficult time establishing any kind of worthwhile communication. Hammeroff, treated them the same way they were treating me. 

Eventually, they got a judgment against me and garnished my wages for close to {$300.00} dollars every two weeks - that is the equivalent of half my paycheck. 

The debt could have been paid in one payment, but rather, they penalized me with close to {$1200.00} in fees for a debt that was less than {$300.00} dollars. 

Hameroff Law Firm, made it impossible for me to reply in court, make arrangements for payment or work with me - rather it was abusive phone calls, threats and harassment. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 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: CA

Complaint narrative:
I disputed before the amount this debt collector says I owe with a previous debt collector Please see CFPB case XXXX I 'm still waiting documentation from the original creditor. 
Then For this debt is not valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RGS Financial, Inc.
State: CA

Complaint narrative:
Continuous calls every day asking for someone who does not live here. Finally told them yesterday that I am so done with their calling. Stop calling and take this number off their list. No one here by that name. 

What I think they are doing is checking who ever this is they are looking for on some type of info sheet and calling so called relatives which is harrasement. They need to stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 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: The CMI Group, Inc.
State: GA

Complaint narrative:
I had an account with XXXX, XXXX. I closed the account in XXXX, and in XXXX I received a debt collection notice from a third party. After contacting the collection agency to officially dispute the debt I contacted XXXX. After speaking with multiple representatives I was informed that their policy on account closures is to -Obtain a new address -Inform the customer about the final bill -Ensure payment for the final bill amount. 

None of those steps were followed. We moved, set up USPS mail forwarding to our new address, and continued with life. 
XXXX claims they have sent XXXX bills to our old address. None of them were forwarded. The collection agency sent the collections notice to our current address. 

A XXXX representative gave me the number to their collections department, which went to a different third-party agency than the one that sent me the collections notice. 

The stance from XXXX is " We did everything wrong, can not provide you with a transcript of our conversations or a copy the recorded conversations with our representatives, so pay up. '' The collection agency does not respond to any written communication by me regarding the dispute or any resolution. I am currently seeking an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
We finished a chapter XXXX bankruptcy in XXXX 2015. We fell behind in mortgage payments in XXXX because i did not have a job yet. I became employed in XXXX and contacted Shell Point mortgage servicing to start a payment plan to catch up on the past due balance and resume payments. We started discussions with them XXXX XXXX. Our initial phone call we spoke with a loss mitigation rep and talked numbers. We discussed a 12 month repayment plan and the first contact indicated we should be able to start the repayment immediately. They also said there were no fees being added each month. Our rep kept saying it needed to be approved by the investor. We sent our financial documents to them by XXXX XXXX. I have called every week. In XXXX they said we were approved for a loan modification which I said unequivocally several times we DID NOT WANT. We have the funds to catch up on payments. Every call I have asked when we can start repayment. I get a call from our rep XXXX XXXX every 2 weeks. ( I call at least once a week ) we STILL do not have a repayment plan. I believe they are trying to force us into a loan modification now. We want to wait and refinance when our credit is back to normal. We are ready to start paying them the money ... I ca n't figure out WHY they wont start the repayment plan. You would think the " investors '' have a fiduciary duty to their investors. They have to have some motive for delaying our repayment plan. With chapter XXXX we could get up and just leave. But we dont want to- we want to PAY them the amount owed. If our balance gets too large they will deny us any repayment plan or I am sure ask for the complete financial package again to delay further. This is now over 3 months .... all we want is the repayment plan! Now they are piling on fees with no explanation. The rep says there are no fees- but when I pull the loan details they are there clear as day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Since the transfer of our mortgage from XXXX XXXX XXXX to Shellpoint in XXXX 2016 we have received and continue to receive inaccurate mortgage statements claiming that we are overdue on our mortgage by {$4800.00}. This false claim can easily be corrected if Shellpoint would simply tell us what payments they believe we missed. However, despite our efforts to acquire that information they simply ignore our efforts to provide us that information so we can get this lack of accounting corrected. Since the inception of our loan modification under XXXX to current with Shellpoint we have made all of our payments which are substantiated by our XXXX records. At this point we have no other option but to enlist the help from your Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
This company XXXX XXXX has been calling friends and family even people not associated or related to me. XXXX of the girls spoke to my son about a debt I supposedly owe, telling him information about this so called debt, and that I will be taken to court, they can and will attach my XXXX payments and all means necessary to collect this. She said " we have her social security number and everything, we want this paid. We can offer a settlement and he explained that I am on XXXX and she said that does n't matter, they can and will attach payment from that. She even went so far as to ask him if he would make the settlement payment for me. I have just been released from the hospital two days ago after suffering a XXXX XXXX on Sunday XXXX XXXX, 2014. I am sure they are not permitted to disclose any information except to me, but they went into great detail with my son. He was at work at the time. They also contacted my ex-husbands wife on her cell phone while she was at work. I am hoping that you can stop this harassment before it gets more out of control, and the fact that they disclosed information to someone other than me, meaning my son is unacceptable. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 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: The CMI Group, Inc.
State: TX

Complaint narrative:
I paid my cable bill with XXXX and they still reported ad 3 months late on my credit report and sent my bill to collections because they said I owed them equipment which I already gave back to them and paid my bill on time however I do not have the bill that XXXX paid but I know I gave them the equipment back and paid my bill. They put on my credit a collection and kept harassing me even though paid my bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief