vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I came across an offer for Capital One 's XXXX Rewards Credits, and its terms were simple : {$0.00} annual fee ; 0 % Balance Transfer & Purchase intro APR for 9 months ; 1.5 % cashback on all purchases ; and a one time {$100.00} cash bonus after spending {$500.00} on purchases within 3 months of approval. These all sounded appealing, so I applied and was approved for a card. However, after purchasing a laptop, I called in to claim my {$100.00} cash bonus and was informed that I actually was n't eligible. Why? This is how the call went : Capital One : " Because that promotion is for a different card. '' XXXX : " I 'm looking at the promotion on your website, and it 's the card I applied for. '' *after a hold* XXXX : " That promotion is for a VISA card, but I can give you {$10.00}. '' XXXX : " I 'd like to speak to a supervisor. '' *after a not-so-brief hold* XXXX : " You are ineligible because you 've previously claimed a bonus reward on another Capital One card. '' XXXX : " No, I have n't. This is my first rewards card. '' XXXX : " It 's actually because we sometimes do n't extend the offer to already existing Capital One account holders. '' XXXX : " Sometimes? Is there set criteria that I can check my application against? '' XXXX : '' I do n't know. '' This is just awful business. They have a promotion for a card where XXXX of the most enticing parts of the promotion is n't even something I can take advantage of. There 's not a single word about ineligibility in the promotion, which is misleading. I received a hard inquiry when I applied, and at the time I thought it was worth it. But after the shady nature of my experience with this card, I regret applying in the first place. I had also factored the {$100.00} into my laptop purchase, so not getting that impacted me to some degree financially. What 's more infuriating and disappointing is the blatant shadiness of the promotion, coupled with the " too bad '' vibes I got from the supervisor. 
This is to say nothing of the surprise annual fee I was informed of *after* getting approved. The promotion plainly states, " {$0.00} annual fee, '' but apparently it 's based on credit worthiness, which is fine as long as they 're up front about it. Honesty and upfrontness, however, does n't seem to be Capital One 's strong suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: LoanLeaders of America, Inc.
State: WA

Complaint narrative:
XXXX XXXX from LoanLeaders did not have my permission at the time he pulled my credit report at XX/XX/2016. He offer me a really good interest rate on XX/XX/2016 via e-mail. I accepted the offer and I fill out the mortgage application. Everything was good for a week. I have seen the loan estimate form, interest rate. I paid for the appraisal {$530.00}. The next day he called and said DTI ratio was too high. His new offer was 2 times more than the previous interest rate.

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 2016-11-03 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: OH

Complaint narrative:
XXXX offered me a deal for free cable and internet for 1 month. I could then return it after that promotional period. I asked about catches, and they stated their was a XXXX deposit for the equipment and that was all ( I can not remember the exact amount as this was about 8 years ago ). After 1 month, I returned the cable TV box to my local XXXX office. I then paid for the internet service for 3 months, and cancled at that time. When calling to cancel they stated that I would need to drive to the XXXX office to return the equipment, which is 2 hours away. I asked about the XXXX office, thinking they were mistaken about the closest one. They stated that I could not return it there, and that if I did I would be billed for the equipment. I asked for anything showing that I agreed to these terms, and they are yet to provide, because it never existed. I was very skeptical about the deal, so I read the 1 form for the equipment that I signed very thoroughly. It never mentioned anything about return the equipment to XXXX, and they never gave any objections to the Cable equipment being returned to the XXXX office. I would like the XXXX collection they issued which is now reporting with Credit MGMT acc # XXXX to be deleted from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JH Portfolio Debt Equities, LLC
State: GA

Complaint narrative:
JH Portfolio Equites place an un verifiable debt on my credit reports in XXXX 2016. I filed a complaint and they said they would remove It via my Consumer Financial Protection Bureau # XXXX in XXXX. It is not XXXX and this still has not been removed. I sent a notice to the XXXX credit bureaus and they all said that in XXXX and XXXX 2016 JH Portfolio Debt Equites confirmed and verified this debt. I called the week of XXXX XXXX 2016 and told the Rep and she told me there was nothing she could do and that there was not letter they would provide me to send to the credit bureaus. This is in violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
I have continuously asked them not to contact me at my employers phone number but receive numerous phone calls a day from various phone numbers at my work phone. When asked for their phone number and mailing address the caller refused to give that information until I would give my personal information to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: AZ

Complaint narrative:
The debt collector called my number twice, once on XXXX/XXXX/2016 and again on XXXX/XXXX/2016. They are asking for XXXX XXXX. I called back to advise them it was not her number and to remove it. They continued to ask questions regarding who I was, if I was her husband, her boyfriend, if we live together, and other inappropriate questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I just attempted to payoff my second mortgage with Shellpoint Mortgage Servicing. I went on line to get a payoff amount. The system had me enter a payoff date and gave me an amount but had a disclaimer " Please call for updated figures prior to remitting funds as they are subject to change without notice ''. I called and the agent could not verify the figure and I was told that I would get in a few days. When I asked if I could make a payoff online or on the phone, I was told the online limited me to {$20000.00} of additional principal and they also could not take it over the phone. I would need to mail a check or pay for a wire transfer. This seems to be a very deceptive practice to delay a customer from paying off a loan to increase interest income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ark-La-Tex Financial Services, LLC
State: KY

Complaint narrative:
my father who has XXXX from a XXXX XXXX 7 years ago, was counseled to co sign a loan for his grandson. I as the daughter and a realtor was not consulted and was kept in the dark about this issue. one night my father called me regarding papers which were truth and lending. I asked " dad did you take out a loan '' he said no. after discussion I agreed to go to his bank with him and have his bank rep look at the papers. The bank rep asked my father if he was moving. He said no. next the rep stated, XXXX XXXX. on this owner occupancy paper it says you are moving at this address. this was a document as the primary borrower. my family, brothers and loan officer had my father sign papers which were not true. the banker asked me what I was going to do. I said if I do something, I will be disowned by my brothers but if I dont do anything my dad my get hurt if he needs credit in the future. my father is XXXX years old. my brothers are an attorney and a financial estate planner. My father has XXXX other grandchildren. I called the loan officer who stated, yes I know you and your whole family. I replied did you not find it strange that I was not part of the conference for this loan. and I was not the realtor and this affects my fathers best interest. He replied that the grandson would not get the loan. I replied that it is my dads call and gave my father the phone. my father said he would not do this loan. All knew including the real estate agent my father has XXXX. since then I have had a flood of issues with adult abuses to my father for his money. This is why at this time I feel we need to revisit the attempt that was made to commit fraud.

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
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Recovery Solutions Group, LLC
State: NY

Complaint narrative:
A company name http : //rsgcollect.com/ contacted me by phone and said a loan debt was owed in the amount of XXXX. 
i told them to email me the information for review. i then received a call 20 minutes later from a blind number from a company called XXXX XXXX threatening to seize property and that they will contact my parents, visit my property and contact my landlord of my business if i do n't pay today. 
i called recovery solutions back and told them about the XXXX call and they confirmed that they hired XXXX to seize property immediately. 
i began to feel suspicious, so i found contacted XXXX online and contacted them- they said they do not know of a company called recovery solutions. and i then contacted the original debtor listed on the debt and they too did not hear of recovery solutions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: GA

Complaint narrative:
JH Portfolio Debt Equiti, XXXX XXXX XXXX XXXX, XXXX, MO XXXX, XXXX will not delete from the credit reporting companies a charged off debt from 16 YEARS AGO that is too old. The old debt agreed that they were settled and no longer viable to me due to medical and low income problems. I want the XXXX debts that the company charged off DELETED from my credit reporting companies due to poor health and income.

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 2016-05-22 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: Rent Recover, LLC
State: VA

Complaint narrative:
Rent Recover of XXXX XXXX, LLC posted a collection item on my credit report. I called to inquire about the item and a representative named XXXX and XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX County Recorder of Deeds under the property address XXXX XXXX XXXX XXXX XXXX IL. Rent Recover refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX and XXXX should be fired and Rent Recover should be closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Shellpoint Mortgage has reported a false information to us about a foreclosure sale date. They told us that there is a sale date on the property, but there is none. We have submitted an offer for a short sale and they advised us that because of the foreclosure sale date on XXXX/XXXX/2016 they can not review the offer, but we have called and they advised us that there is NO SALE DATE. I do not know why they would lie to us about something so important as sale date. The buyer is willing to pay what what the investor is looking for, but they gave us wrong information. PLEASE HELP US

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Linebarger Goggan Blair & Sampson LLP
State: OH

Complaint narrative:
third party collection agency garnish my wages with verifying the debt after I sent them a debt verification notice several times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar mortgage has incompetent and irresponsible accounting practices. Since they have acquired my loan, they have missed property tax payments due from my impound account, lost payments, miscalculated unpaid balance owed with timely payments, and have the audacity to send me a letter saying I owe them a late fee. My credit scores are over XXXX, and I 've never missed a payment on anything. EVER! I do not trust they are operating with a fiduciary responsibility to their clients. It 's unethical to place a customer, who is making early on/time payments in harms way with regard to their credit. Their poor accounting practices are placing my credit in harms way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Quicken loans, I started a loan application with them on Wednesday, they quoted me a price and by Monday they were up selling me into more closing cost and rate increase. Based solely on the fact that I did n't repond fast enough. It was 4 buisness days, they should give a consumer reasonable time to research and consider and offer in writing. Not fair to attempt to upsell HARP rates after making the offer two days later. Very dishonest and put good family 's under pressure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
Nationstar Mortgage has ruined my life! After my husband died, I was in a terrible financial situation and tried for almost two years to get my loan modified. I did everything they asked, sent in all the forms, many, many times. Every time I called ( when I would actually get to speak to a live person, which was very seldom, same response. It 's in process, no problem, or we need certain documents ( which I have record of sending time and time again ). Each tie they would tell me not to worry, there was no threat of foreclosure! Well of course I was served foreclosure papers. I had to file Chapter XXXX at the last minute to save my home which is the last thing I wanted to do since I have no other debt!!! Even my attorney has called them and no response!!! I am so close to just giving up, which is probably what they want me to o! They have attached outrageous charges to my balance, totally unbelievable!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage LLC. ( " Nationstar '' ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( " XXXX '' ), and XXXX XXXX XXXX, XXXX XXXX, as Trustee for the Certificate Holders of the Structured Adjustable Rate Mortgage Loan Trust Mortgage Pass-Through Certificates, Series XXXX ( " XXXX '' ) are all governed by FDCPA pursuant to 15 USC 1692a ( 4 ). The County Public Records is a third party. Nationstar, XXXX and XXXX never obtained our permission to file " our '' non-public information into the County Recorder 's office. The Notice of Trustee 's Sale document filed for an illegal seizure of our home is a violation pursuant to 15 USC 1692c ( b ). Also, Nationstar, XXXX and XXXX are prohibited from abusing and harassing us pursuant to 15 USC 1692d, 15 USC 1692e, 15 USC 1692f, 15 USC 1692i, and 15 USC 1692j. Trustees who regularly foreclose on California deeds of trust in non-judicial actions are debt collectors subject to the entire FDCPA. ( CFPB XXXX XXXX - XXXX XXXX vs ReconTrust )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I just found out my home is in foreclosure. My home was in foreclosure 10 years ago, but the foreclosure was dismissed for lack of evidence by the plaintiff. I initiated a short sale a few days ago and was just informed by my Realtor that my home is in foreclose and has a sale date XX/XX/XXXX. I have n't never been served with papers notifying me that there was a case pending. NationStar has been in contact with me and is aware of, my mailing address. I also have a buyer interested and they will not entertain the short sale unless I agree to auction the property off. I have a sick child at home and do not want XXXX people walking through my home especially since we had the home on the market for 5 days and have a contract and a back up. I have spoken with Nation Star a few times the last couple months and have not been advised one time that there was a foreclosure pending. I suffer from XXXX and this absolutely devastated me. Please help me!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Nationstar Mortgage sent me a payoff statement while I am in Chapter XXXX bankruptcy. The payoff statement is claiming to pay off the house would be {$130000.00}. I looked at their previous tax statements sent to me and they are stating that we owed a little over {$120000.00}. When looking at the tax statements from XXXX and XXXX I have noticed that my interest payment has gone up over {$2000.00} last year even though I am on a fixed rate mortgage and have paid down the principal. Something is not right. If you look at XXXX statement the interest is {$5100.00} and then all of a sudden XXXX interest is {$7500.00}. How does interest go up when you pay down the principal and have a fixed rate mortgage? We feel like they are trying to sneak charges that were dismissed through bankruptcy court onto my interest. Also, on the payoff statement, they have unexplained charges under lender paid expenses in the amount of {$2900.00}. We have proof of claim being dismissed and proof of payments. What Nationstar can not explain is these charges and why my escrow got increased by with no reasoning behind it or no notice to me or the bankruptcy courts. We have tried calling them to find out, sending a certified letter, and asking their own attorneys but no one can give me a straight answer about why my escrow is more than the insurance and property taxes combined and divided by 12 months. By our calculation escrow should be about {$300.00} but they have escrow at {$420.00} after XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I had a previous issue with BMW Financial Services. It took awhile, but a gentlemen named XXXX XXXX from BMWFS contacted me to help me through the process. He was kind, informative and courteous. Great customer service!

Company response to consumer: Closed
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC Bank manipulated transaction orders and delayed updating my account balance when items were listed as pending, which led to an overdrafting of my account. They then charged XXXX separate {$36.00} fees ( {$140.00} total ) as a penalty for their error.

Company response to consumer: Closed with explanation