vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
for the past XXXX years we have been going arund and aroun with shellpoint mortg we applied for a loan mod denied becouse i do n't make enough money for a loan mod so finally we got a agrement pay 6 payments on time and you will get it we did it flaulessly 5 months later still nothing mailed then the letter comes saying all the items are out of date so we update it and go again now we got a call from loss letigation that the docs r on there way approved after weeks and weeks and 40 or 50 calls we get papers to sighn and return we r happy until they say the notary republic did it wrong which was untrue so we sighn and noterize again now we call and get updates and all is good even though we get letter that they never received our docs but we call they say its all done docs r on way well we get envelope from them with a letter and a app to start a loan mod i will attach these letters

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 2016-10-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I would like to start by stating that I 've been an XXXX XXXX XXXX customer since they changed over from XXXX has been over 10 years. I 've never had any previous problems with our carrier until approximately around XXXX of XXXX I started having a lot of problems with drop calls and bad connection while inside our house, from there on we tried multiple times with customer service. They advise to try rebooting system, a micro cell, new sim card and they also stated they were going to repair one of their towers. 6 months later and continues problems it was an inconvenience, finally made a decision to change providers due to my wife had to leave the house just to talk to Doctors as she was XXXX and she had no service while being at home. Before I cancel my service I communicated through a chat conversation and no where 's did they mention it would go through a collection agency. I spoke with XXXX XXXX XXXX as I was still paying for XXXX cell phones that I purchased on credit and wanted to know if I was still able to continue payments for the XXXX phones since they could not provide the service I needed. The supervisor stated my balance was {$1000.00} and as long as I continued making payments there would be no problems. I had made XXXX payments. XXXX {$60.00}, XXXX {$20.00}, XXXX {$60.00} and XXXX {$60.00}. Which brought my balance down to {$1000.00} ( do n't understand how it only dropped {$68.00} ). Recently I received a letter from Credence Resource Management a bureau company stating I needed to pay balance in full or if not was going to affect my credit. If I wanted they would settle for {$700.00}. And if I pay within 3 months would not affect my credit. I let them know that we had an agreement with XXXX XXXX XXXX and I was going to continue making my {$60.00} payment as we had agreed and I was going to call them. On XXXX I contacted XXXX XXXX XXXX to find out why I was sent to a collection agency and after been on the phone for 1 hour and getting no answer I demanded to speak with a supervisor, I was put on hold for over 30 minutes in which they never came back to the phone ( had to disconnect ). My wife called with a different phone while I was on hold they answered her, none of the representatives were willing to help with our matter. I would like to continue making my payments, just do n't want to affect my credit.

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 2017-02-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XXXX XXXX, 2016 I was online to buy concert tickets from XXXX website, exclusively, and was expecting to conduct the transaction through XXXX or its licensed ticket agency, XXXX. 
Unknown to me, my transaction was hijacked and diverted by a trolling site, prodding me on to select available seats, section, etc., and promptly swept me to their checkout to secure the tickets I chose. 
Once the transaction was completed, I realized I had been duped and defrauded of {$500.00}, as the concert tickets did n't actually go on sale until XXXX-CST, some 10 minutes later. 
I IMMEDIATELY called Capital One-MasterCard to dispute this fraudulent hacking of my computer and transaction, and told them exactly what transpired. I was assured the charge would be reversed. 
It WAS N'T. After NUMEROUS calls, conflicting information from one phone clerk to another, Capital One simply sent the " contract '' provided by the fraudulent " service '' claiming I entered into a contract with, and told me I was out of luck. 
I have gone so far as to file complaints against this " ticket '' company with the Secretary 's of State with both XXXX, and XXXX ( the State in which this perpetrator of fraud conducts business ), and explained how I was defrauded of {$500.00} from Ticket Fulfillment Services. 
I am close to expiration of my dispute claim and, if forced to pay, I will NOT receive the tickets which I had to purchase LEGITIMATELY from XXXX, which is with whom I was expecting to do business with in the first place. 
I had EVERY right as a consumer to dispute and refuse payment for the fraud that was committed. However, Capital One-MasterCard has been completely unprofessional, indifferent, and worthless in protecting me, as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
CAPITAL ONE HAS FAILED TO REFUND MY ACCOUNT FOR SEVERAL CHARGES TOTALING OVER {$1100.00} THESE CHARGES WERE NOT AUTORIZED AND NOW CONTAMINATED MY CREDIT CARD.SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have won a case against this collector in court, plus they send me a IRS form to file and still this creditor is reporting negative please remove from my report please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I 've had this Capital One credit card for at least 6 years, without incident. My current credit score is above XXXX based on their own monitoring platform. I have not requested a credit limit increase in years. Yet, when I submitted the formal request through their site I was declined because " Recent use of this account 's existing credit line has been too low ''. ( Something I never heard from the XXXX other cards that increased my limit by XXXX-XXXX within the last 6 months. ) When I called to ask for general guidance around this undocumented and irregular practice, it was suggested that I consult a financial adviser. This disingenuous answer was not the operator 's fault, there was a meaningful pause while she asked a supervisor. *1. ) This answer is insultingly nonsensical. How would any 3rd party have specific insight into Capital One 's secret internal procedures they are unwilling to disclose to customers. *2. ) I have used and paid the balance every month for years. It 's inappropriate to demand higher usage because low balances/usage are a key part of every credit rating algorithm. I do n't see how a minor increase in credit limit should be contingent on a customer damaging their own credit rating. * 3. ) This denial, and what it represents, illustrates that Capital One has systematically violated the basic premise of credit ratings. They start low, and increase as consumers build a documented record of constructive behavior. There are only two ways to increase one 's credit score without applying for more credit. One, wait as the average age of revolving accounts and general credit history increases. This is a very slow process when the optimal length is 25+ years. Two credit limit increases every 6-12 months based on proper usage. Again, this is the only meaningful path for responsible users to systematically increase their credit score. By actively sabotaging this vital industry standard practice Capital One has expressed their intention to dishonestly prevent upward mobility and keep their own customers trapped in the indentured servitude that is undeservedly poor credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Best Service Co.,Inc
State: AZ

Complaint narrative:
I received my credit report and found a collection from the best service company. I disputed this information with the company. In response, they sent me statements as verification of debt. I have no validation of how this account became allegedly overdrawn. Mere statements do not show a detailed explanation of how these accounts became overdrawn. The statements that I received show XXXX different balances. This is not validation of a overdrawn account. I do n't know what caused this account to be allegedly overdrawn except for there was some form of a bank debit return item. I do n't know what that is? Where is the documentation of this bank debit return item? What was returned? Why was it returned? This information was n't provided to me at all. I never received any form of notice that I had thirty days to dispute the debt before it became valid, I was informed after receiving the statements that my credit report would be updated and there was no reason to not pay the balance. This is a clear violation of my FDCPA rights. XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

These statements do not meet the burden of validation or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
While reviewing my credit report, I noticed that an unauthorized and fraudulent inquiries were made by CAPITALONEBANK on XX/XX/2016 & XXXX/XXXX/2016, on XXXX, XXXX, XXXX AND XXXX.I did not authorize these anyone employed by CAPITALONE BANK to initiate any inquiries into my credit. This act was fraudulent and unauthorized, thus, a clear violation of my FCRA and a breach of my Privacy Rights. 
I have requested CAPITALONE BANK to permanently delete these adverse information and/or provide me within 5 business days any written signed documents from me authorizing such inquiries so that I can verify the validity of these inquiries. 
I am requesting that CAPITALONE BANK contact all the credit reporting Agencies to dele these inquiries without further delay as this directly affects my ability to obtain credit, employment and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX continues to list a fraudulent account on my XXXX credit report and refuses to provide sufficient proof of my ownership of the account. I never opened nor used this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS
State: NY

Complaint narrative:
I have been the victim of identity theft on XXXX occasions in the past year. 
XXXX have been cell phone fraud and the latest has was credit card fraud. 
I have frozen my reports with the XXXX major credit bureaus and seek to freeze my LexisNexis report because they furnish cell phones companies with information about me. 
LexisNexis has denied my request to freeze my report. 
Please assist me in freezing my LexisNexis consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was living with a friend and he went through my personal belongings and I found pictures of my ID, social security card, and my credit report on his computer. I checked my credit report and their was a credit card maxed out. my bank accounts have suddenly been closed due to fraud investigations. the banks tell me it is my fault for leaving my purse out in my own home where I thought it 'd be safe, but apparently it was giving him permission to go through my belongings. my signature has been forged on checks from his account deposited into my accounts and he is saying I did that. I ca n't open a bank account anywhere. I ca n't even get a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I attempted to dispute a charge on my card and was told because I have a previous relationship with the vendor, they are allowed to store my card and bill me with no dispute authority. They allowed this charge despite the fact it would take me greatly over my limit. The only option I was given was to make an extra payment to bring my account balance back under the limit to avoid a negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I fell on hard times this past year. I spoke with the company and explained what happened. They continue to call me with a " robo call '', leaving a message every time. This occurs 5-6 times a day, between the hours of XXXX and XXXX. This also includes weekends and holidays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX # XXXX This is the response I received from you and there was NO attachment. The case has NOT been settled, however I did speak with XXXX from the executive offices of Capital One XXXX XXXX pin XXXX. She is supposed to get back to me the end of this week. 
An agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless the collection of information displays a valid control number assigned by the Office of Management and Budget ( OMB ). The OMB control number for this collection is XXXX, expires XXXX/XXXX/2018. 
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
This happens at all financial institutions and has been a major XXXX of contention for many years. I send in a deposit or I set up a transfer and it takes WAY too long. I am losing interest while my money is XXXX knows where.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I purchased renters insurance from XXXX, policy # XXXX earlier this year. I could not afford to make the monthly payments and allowed the policy to lapse. I just received a notice today from Credit Collection Services ( XXXX ) XXXX file # XXXX XXXX XXXX stating that I owed a payment of {$29.00} for XXXX. I asked why I received this and was told I was covered up until that time even though I have not made a payment in months. I pulled out my policy, contacted XXXX ( XXXX ) XXXX asked if they could direct me to where it states if I discontinue payments they could expect payment and/or collections for non payment. I was told it is not in their policy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I called Capital One XX/XX/2016 to opt out of receiving credit card applications in the mail. Continue to receive them. I WOULD NOT USE CAPITAL ONE IF IT WAS THE LAST CREDIT CARD ON EARTH. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a capital 1 credit card. I was faithfully paying it until my business failed a year or so ago I stopped paying for a while then got back on track when I got a part time job. My payment due date is the XXXX of every month. In XXXX, it got there on the XXXX, XXXX on the XXXX and XXXX on the XXXX. Sometimes, I pay from my bank account and sometimes from capital 1 site. The then decided to send my interest up to XXXX % which is rediculously high. Causing an interest of {$440.00} a month and a total payment of {$570.00} per month. Last year, I had asked capital 1 to settle when I had just come with a bit of money but they refused to do so. Unfortunately, I can no longer pay them as they do not want to work with my current financial situation. This hike is inreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XXXX 2016, my plastic surgeon recommended I get a Capital One credit card to cover my XXXX. The main benefits of the card they recommended were 0 % interest and XXXX due till XXXX 2016. Capital One did not inform us of a minimum payment due till we were XXXX months late with a minimum payment. Once informed in XXXX 2016 that there was an issue we promptly payed the minimum and and penalties. On XXXX XXXX, the full balance was paid off. This error on XXXX XXXX part is affecting my ability to secure a mortgage on my dream home. I respectfully request that Capital One remove this blemish from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Company calls and does not provide name. It is a robo call that says I will " be sued on my social security number if I do not call immediately. '' I called them back quickly. Original calls receive two years ago from same company claimed it was on an XXXX debt 16 years old, new calls claim its on a Capital One debt 3 years old. When I questioned them, they said yea Capital One took over XXXX. They say I can pay them now or be embarrassed when the sheriff comes to my job to visit me. They used my old married name from 4 years ago and not even my current name so it can not be 3 years old. I do not and never had a card from XXXX. I even pulled a credit report first time they called. Nothing shows up at all for this collection agency nor the creditor that I claim to owe. I asked them to stop calling and they said fine then we will have the sheriff come visit you. They are aggressive on the phone and when I ask questions they say you know you owe money, cut me off mid sentence and tell me to pay. Last time they called me a dead beat.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2010, I financed a used vehicle with Capital One Auto Finance. The original amount financed was about {$23000.00} with a monthly payment of {$530.00}. I have paid on the account since 2010 and the balance is currently reported at about {$2600.00} after over 6 years. I noticed when reviewing my account that they are applying about 50 % of my payments towards interest despite the fact that my interest rate is about 18 %! For instance, when making a {$530.00} payment ; the report says that about {$400.00} is applied to principal and {$100.00} applied to interest! This practice has gone on for as far back as I am able to view online. There is absolutely no way that this is accurate! They have also reportedly lowered and raised the balance after credit disputes. Their practices are absolutely dishonest and I will be contacting an attorney for review in the next week. I am greatly disturbed by this company and its practices. I then called because the website would not work to get me 4 extra months or even 3 months to add to an auto loan so I called customer service, she was rude and very knowledgeable, keep putting me on hold because she did n't have the answers to my questions. I then received a call from a lady from Capital One Finance office and she said that I would have to pay at least XXXX by XXXX XXXX for them to even consider allowing me to get extra months added to my loan. For my loan to be considered paid in full all I owe is XXXX which is about 4 payments at the regular rate.

Company response to consumer: Closed with explanation