vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-08 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
My mortgage was recently transferred to Shellpoint Mortgage Servicing. I was given the phone number ( XXXX ) XXXX. When I try calling them, the greeting " All calls will be recorded '' is played, then the call disconnects. This has been going on for several months. I 'm also unable to create an online account. I need to discuss this and other issues with them. I 've been making my payments via USPS XXXX so I have proof of delivery, but this should not be necessary. It need the means to communicate with this company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
This company failed to respond to my request to validate this debt. They have reported this account to all XXXX credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: AR

Complaint narrative:
I filed XXXX claims through CFPB last week - # XXXX & XXXX regarding XXXX and XXXX ( company XXXX. Selected to collect the " early termInation of account penalty ''. After I filed XXXX responded in yor case file records and stated they no longer are involved .. XXXX selected another company-Credit Management L P of XXXX , TX . I had previously sent letters to XXXX explaining why I did not owe XXXX for the penalty they submitted only final bill. I paid my bill in full ; I did no pay for the penalty they assessed. I have denied owing the penalty. 
XXXX claims I owe charges {$130.00} for a new service connection while I was contesting the penalty. I was lied to by XXXX representatives when I re-connected my service when they specifically told me my my new account would not be linked to or affected by the penalty. My service was disconnected 5 days after my XX/XX/XXXX re-connection. I received a bill for penalty and new services. I returned all equipment immediately only to have XXXX bill me {$130.00}. An amount I do not owe because of false representations made to entice me to re-connect my service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I opened a credit card account with Capital One in XXXX of XXXX. XXXX XXXX is reporting that I opened it in XXXX. This account should be taken off my credit report as it has been over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitol One Bank is, creating debits and credits in my account to over charge. 
I disputed a charge of a company, because I did not order the product. The bank gave me the Credit. The company returned the money to the bank, therefore my account was left in the correct amount. Now the bank is charging me again for the said amount with the excuse that they gave me double credit. 
If the bank gives me a credit of {$500.00} and I use {$300.00} What I actually owe is {$300.00}. 
plus given rate percentage. 
I need help because this is a clear, game of fraudulent numbers that the bank is using to create profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I could not get a loan. I found out that my credit was low do to this. 
Try to contact the company to see if i could pay on it and they said they sold my acct. to a nother compay, So i want to take it off my credit score. becouse they do not owen it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have tried to contact Capital One regarding several accounts that I have them. My job hours have been drastically reduced and I really need to request a lower interest. I need it lowered to 5 % to make it fit with my current budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I signed up for XXXX insurance based on assurances from the insurance company that my XXXX was in their network and XXXX were covered. It cost me {$100.00} to start the insurance and the monthly amount of {$37.00} was to be drafted on my Capital One credit card. After I received the information from the XXXX, I discovered the discrepancies in what I thought I was paying for and what I actually bought. I sent an email on XXXX XXXX, XXXX cancelling the coverage and requesting a refund. No response from the XXXX company, Upon checking my XXXX XXXX Capital One card statement, I saw a charge for the XXXX payment. I called the company on or about XXXX XXXX, XXXX to ask why I was being charged since I cancelled via email on XXXX XXXX, XXXX. I was told by their customer service representative that they would look into whether they had received my cancellation email but I would not be charged after XXXX XXXX and XXXX received a refund of my XXXX XXXX payment. I was assured that my 'membership ' was cancelled effective XXXX XXXX and I would not be charged in the future. It was n't until XXXX XXXX that I saw I was still being charged {$37.00} for the insurance membership on my Capital One credit card. I immediately called the company, sent them the email from XXXX XXXX, XXXX and requested a refund. The customer rep told me she would research whether they had received the XXXX XXXX email but could not do it that day since it was time for her to get off work and it was a Friday. She was to call me the following Monday but my membership was cancelled effective XXXX XXXX. She was not sure if management would refund my payments from XXXX XXXX to XXXX XXXX. The company never contacted me. Any contact was initiated by me on this matter. In the interim, I requested Capital One to reverse the charges/payments for this time period for this company. I sent them a copy of the XXXX XXXX, XXXX email cancelling the insurance membership. Capital One did reverse the charges but them sent me a letter stating I did not send copies of receipts of the charges so they reapplied the charges to my account. Since these were automatic drafts or charges to my account, I never had receipts for the charges. Therefore, I am filing a complaint against Capital One. I would also like to file a complaint against XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I apply for credit card " XXXX XXXX Credit Card Program '' from XXXX XXXX on XX/XX/2015 on the web XXXX/Decision from my local union, XXXX XXXX send a letter -- WE ARE UNABLE TO VERIFY PERSONAL DATA -- I call them XXXX, they told me I need to update my phone with XXXX, and reapply, because the application is close.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I believe I 've been the victim of a timeshare fraud in XXXX, XXXX XXXX XXXX, On XXXX XXXX, XXXX I entered into an agreement with XXXX XXXX and XXXX XXXX XXXX. They agreed to pay me {$15000.00} for my residence at XXXX XXXX, which I purchased in XXXX, if I paid them {$110000.00}. The transaction was headed by a gal name XXXX XXXX and XXXX XXXX. I have included all the pertinent contact information for both XXXX XXXX and XXXX XXXX, the contract and all the information, pertaining to my dispute, which I sent to my credit card company. I 've also included the emails I just received from XXXX XXXX. 

The reason I believe it is fraud, is that the same thing happened to another person with whom I had a conversation, and the exact details of my experience were the same as theirs. They employed the services of an attorney and finally were able to retrieve their money. 

The promise of this deal is that if I give them the {$11000.00} they will pay me {$15000.00} for my XXXX XXXX property within 90 days. The bottom line is that they get their money but for various reasons I will never see mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: LEXISNEXIS
State: MD

Complaint narrative:
Lexis Nexis, on or about XXXX XXXX XXXX, reported inaccurate information on a consumer report they provided to the Office of Personnel Management. Report prepared was a consumer report under 15 USC 1681a ( 603d ) because it was a written communication, prepared in the ordinary course of business, containing information bearing on my credit capacity, character, or general reputation, known to Lexis to be used for employment or determination of credit worthiness. 
Lexis reported that I was late on my mortgage in XX/XX/XXXX and XX/XX/XXXX ( Account reported as XXXX. That is inaccurate information. At least XXXX of the XXXX NCRAs report this account as having never been late. Further, when I filed a previous complaint, XXXX, the relevant company denied reporting any prior late payments. 
Bottom line, Lexis prepares consumer reports in the ordinary course of business and, therefore, under the FCRA, they are required to take steps to ensure maximum accuracy. Because XXXX of XXXX NCRAs report XXXX on-time payments for this account, Lexis was reasonably on notice its information was inaccurate and failed to take steps to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
Although I was only allowed to check XXXX statement in each category, almost all of the above apply. A debt that was satisfied in 2005 with proof from my credit union, they presented to the courts, continue to leave on public record, removed money from my bank account and told motor vehicles not to issue my registration ( although motor vehicle did cash my check ), Motor vehicle has not sent my registration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing in regards to Capital One Platinum credit card. I received an offer for a new Platinum credit card in the mail about a year ago. It had a XXXX percent balance transfer offer. I calculated the amount I would need to pay in order for me to pay off the balance completely by the time the introductory rate would begin. I began making $ 500 monthly payments to the Capital One account on a monthly basis. I was told when I opened the card that I was allowed to pay the balance in advance with no penalty. After paying the XXXX monthly payment to Capital One for about 6 months, and never hearing from them via phone, email, or mail, I logged on to my account to see what was left of the balance. To my surprise I was billed a late fee for numerous months. Having made {$500.00} payments for approximately 6 months I should have been paid through the end of the year. After calling Capital One I was informed that they do not allow consumers to make payments in advance. 

How is it legal for Capital One to not allow me to pay in advance. I pay my car loan payment 3 months and I pay all of my other credit cards 1-2 months in advance. I have never had in institution tell me that they do not accept payments in advance and regardless of timing if they do not receive a payment by each months due date, even if that amount has already been paid in advance, that they will bill me a late fee. If they have received the funds and I am paying as agreed how can I be assessed late fees on monies already received by Capital One. How can this be legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29 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: TN

Complaint narrative:
Credit Collection Services has charged me for an amount that I do not owe. They are collecting on behalf of XXXX for an amount that I absolutely do not owe ( {$1000.00} ). This incorrect amount is listed on my credit reports : XXXX, XXXX and XXXX and it has and continues to compromise my credit worthiness. I reached out to CCS and tried to file a dispute but was unsuccessful. CCS asked that I provide verification that I had coverage after my Auto Insurance Policy with XXXX canceled in order for them to consider adjusting my account. I did submit proof yet nothing has been done to correct the error.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Capital One failed to send me older statements properly that I requested for divorce hearing. I have tried for 3 months to receive statements. They mailed to wrong address 2 or 3 times but sent bill to my address. They acted like I was the XXXX, every time I called someone would tell me something different. They told me they could fax them, after a couple weeks I called and they said they could n't fax. I was supposably talking to bosses and supervisors. I was on phone for hours. Can not believe that their customer service is this messed up. I will never deal with them again and do my best to steer anyone else away from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
I purchased a car through XXXX Byrider in XX/XX/XXXX. Their bank is CNAC. after purchasing the vehicle, they have pulled my credit report without permission on numerous unauthorized occasions. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These are hard inquiries and they did not have my permission/nor need to pull my credit report without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had made a deal with a credit card company to have fund taken out of my checking acct of XXXX a month until it was paid so they took out XXXX payment then sold to a collection agencythen took XXXX more payments of the same amount this was a XXXX card at the time I made the deal I had like XXXX before theyhad late fees over the limit fee how can I be over my limit when I have maid payments now I have all paper work they took payment after they sold the note. 
Now they Are going to garnish my pay forXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is the XXXX time I have filed a complaint against Capitol One over the same issue. Fraudulent charges appeared on my credit card. Capitol One did an investigation and ruled in my favor. I have attached a letter from Capitol One saying the investigation was ruled in my favor. I have attached a copy of that letter from Capitol One. Yet they refuse to make the correction on my credit file when I filed a dispute. They insist on keeping this account listed as a charge off on my credit file when I did not make those charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My account from Capital One went into collections. I agreed upon an amount paid every check ( XXXX ) it still shows that I owe an outstanding debt of {$100.00} on my credit report when it is in fact paid in full. I want it removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Brelvis Consulting, LLC
State: NY

Complaint narrative:
I was robo called by a XXXX party ( The Student Loan Help Center ) to help me with my student loans. As a XXXX in a XXXX XXXX district, I knew I was soon eligible for up to {$5000.00} loan forgiveness. Assuming that was why these people contacted me, I agreed to pay a one time fee of {$590.00} dollars so this company ( who I thought was affiliated with the department of ed. ) could alter my repayment program. Apparently this service is offered for free directly through my lending house ( XXXX ). I have since worked with them to not only enroll in a new type of payment program, but also to file a complaint with them as well about these poor/unethical business practices. I 've since filed a complaint with the XXXX and have contacted my XXXX. I would like to be reimbursed for services that were A ) never necessary and B ) never rendered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a credit card from capital one bank for many years they restrict my account because of a " fraud issue '' I waste my time going to the bank branch and the manager call custome service directly after sent all the information they said will take upto 3 days has been more than XXXX months and capital one is reporting as negative in my credit report. Every time I speak at the customer service they make me send my personal information again and it 's not resolve yet!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There is a car loan on my credit report that does n't belong to me. I 've contacted Capital One about it and nothing was done. I 'm considering seeking the help of a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Someone stole my personal information and identity and opened up a credit card account with Capital One Bank. The account is unauthorized and fraudulent and do not belong to me. Further, there are XXXX unauthorized and fraudulent inquiries from Capital One Bank listed on my XXXX XXXX, XXXX and XXXX credit report. I have been receiving harassing and threatening telephone calls and XXXX threats from Capital One Bank representatives in regards to the account and debt owed on the account. The account or debt do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a car loan with Capital one. They charged me 12 % interest on the loan. I have been making my payments as required with additional principal. The bank is posting my additional principal payments to interest. That means they are recording my account payoff to the credit bureau wrong and falsely reporting their revenue and AR balance to the Treasury and SEC. False reporting of your financial statements is a violation of XXXX XXXX. Who corrects this because the bank is just going along like nothing is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I underwent a refinance with CapitalOne last XXXX. During this process my home came in at a value less than expected, and I indicated that the loan offer was thus not very attractive to me. The loan officer then told me he would work on it, and I was presented with a final calculation of escrow plus payment that came to {$990.00}, less than what I was currently paying. However, he did not inform me at the time that in order to reach that calculation my escrow was only partially funded, leaving me with a negative balance that I had to make up. My mortgage payment just jumped to {$1100.00}, which exceeds my previous payment. Given that a loan officer would know that partial funding of an escrow would result in this jump, and given that I was never informed that this jump would take place ( my taxes and insurance would likely remain roughly the same, so these costs could easily be anticipated ), I believe the loan was crafted to present an artificially low payment to entice me to take the offer. It did beat other offers, and I selected this packaged based on this monthly payment. I believe that by not informing me of what would happen, it created this low payment, securing my contract, and left me as the consumer to pay a higher cost later to CaptialOne 's benefit. This was a very unethical business practice, for the loan officer did not tell me this would happen, nor was I informed at signing what would occur. I was just told " this is your payment. ''

Company response to consumer: Closed with monetary relief