vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Re : Request for Investigation/ Debt Validation Request Capital One Bank USA- Account # XXXX Sold to XXXX XXXX XXXX No Address on FileATTN : XXXX XXXX XXXX / Federal Trade Commission / Capital One Bank USAThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from XXXX XXXX debt collection agency on my credit file. Experian Report Number : XXXX Dated : XXXX XXXX XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( Capital One Bank USA ) for Disputed Billing Charges and Billing Errors in XX/XX/XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for XXXX XXXX XXXX, where were your documents submitted? To whom were your documents submitted. Therefore, I request the FTC investigate this issue. This could possibly be a fake company. 

This is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via U.S. mail at the address listed above. 
Since XXXX XXXX have now acquired this inaccurate disputed account. I am advising you that, XXXX XXXX XXXX, was never notified by XXXX XXXX XXXX, of this collection action or that she owed an assume deleted disputed debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 

Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS
State: CA

Complaint narrative:
When I shopped for auto insurance recently, an insurance company told me that there is an at-fault accident in my XXXX report, and because of that they wanted to charge me a higher policy rate. This is the highlighted # 1 item from XX/XX/2016 on the attached page. 
I was not at-fault in that accident. Please promptly correct the report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
IT is something 's on my credit that is mine but it 's a lot of things that are on here that is not please help me and I do n't want this to mess up anything else on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My identity has been compromised XXXX times this year, leaving my in a state of panic and causing me a tremendous amount of stress. I have XXXX credit card that were ran up and payments that were applied causing overdraft in my checking account because the money was n't in their. I am trying to resolve this issue with credit card companies. Company XXXX Capital One, phone number XXXX XXXX XXXX. This has also caused my credit rating to deplete more than XXXX points. I would like new accounts/credit cards and my credit back in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This is a complaint in reference to a credit card account ending in # XXXX that was sold from Capital One to XXXX. XXXX removed the credit card account ending in # XXXX from all XXXX credit reporting bureaus after I filed CFPB complaint because of fraudulent add on charges. This complaint does not include XXXX as they fully address the situation and I thank them for that, reference the original CFPB complaint # XXXX. On XXXX/XXXX/XXXX I disputed Capital One with the XXXX CRA 's, Capital One continued to make updates to this account as if they still own it. They made an additional update on my credit report even after I disputed showing it was 30 days delinquent in XXXX XXXX. Yet they sold the account to XXXX prior to XXXX XXXX, I do not know the exact date Capital One sold it to XXXX but XXXX sold the account to XXXX in XXXX of XXXX. I have attached a letter from XXXX showing the transfer to XXXX. I have also attached a prior statement showing Capital One account number matches the account number listed on the other documents, XXXX shows the original creditor as XXXX. Yet Capital One continues to report on my credit report updating with current activity that happen after the date of there sale to Capital One. Again XXXX has removed this account from all XXXX credit reporting agencies and I have enclosed the letter from XXXX dated XXXX XXXX stating this. 
Yet Capital One continues to add current updates to this account as if they still own it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol One has placed a delinquent account on my credit report. I have disputed the account and it still remains. I did not open this account nor have I ever used or had access to this account. It was turned over to a collection agency called XXXX and they are yet to remove this item after multiple attempts to resolve the matter. I received a statement from Capitol One several months ago stating this item would be deleted within 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I contacted Capitol One so that i could do a balance transfer for {$6000.00} from another card. I had a credit limit of {$4000.00} and was calling to ask for a {$2000.00} credit limit increase. I was told by the representative that i needed to complete a request online. I completed the online request and a few days later received a denial notice stating that there was no recent payment history ( account is 14 years old ). I called Capitol One to speak to a representative about the denial since I have the account for XXXX years and my credit score is XXXX and my income is {$100000.00} annually. The representative told me i could try again, so i asked for a Supervisor whom also told me to try again. I advised the supervisor that my other credit card accounts have much less time and i have much higher limits, so if its not a credit nor salary problem then why could n't Capitol One accommodate my request since i have XXXX years history? The supervisor told me to try again and left no explanation. I advised the Supervisor i wanted to cancel my card if Capitol one could n't accommodate my request without a decent explanation. The supervisor in a condescending matter advised me as if it were a threat that the account would be reported reflect closed by consumer. At which point i ended the phone call. This is the worst customer service i have ever seen by a credit card company. Its quite clear Capitol One prefers online customer service transaction verses speaking with a live representative. Its also clear that good credit, income and 14 year history mean nothing to Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2016 my husband was involved in a red-light accident, through no fault of his own, in which the vehicle was totaled. This vehicle was leased with Capital One Auto Loan division. The insurance company paid fair market value to Capital One, leaving us with a {$2500.00} balance. We did not receive any information from Capital One and found that our online account had been closed. We contacted the bank and found that we have about 120 days to pay the remaining balance. I explained to the agent that this was not possible as this would raise our monthly payment to over $ XXXX/month, double the amount than our normal monthly payment, and that this would be a financial hardship for us. I asked for an extension, and was told that none is available and that once the time-frame runs out, the account would be reported to the credit bureau as a charge off. 

This is completely unfair. My husband was at a red light, and a teenager texting and driving slammed into our vehicle. My husband has sustained serious injuries and is frequently out of work due to the injuries. We have a young child in day care, and have our normal monthly bills to still take care of. I asked for a XXXX to call me back to see what could be done, and I have not been called back as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Opened a Capital One XXXX Business Card in 2013. Have paid on time everymonth since opened. Notice balance is not going down but slowly going up. I reviewed my statements and back to XXXX 2013 XXXX 22 month ) I have been charged $ XXXX/mnth " Over Limit-Fee ''. When I spoke to Capital Ones customer service department they refer to the " OPTION '' to opt out of the overlimit option. When I signed up, and read the terms, the option was obviously not clear or clearly presented.This is an unfair, unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I pay all my bills in full every month. I have on numerous occasions failed to recieve my statment from Capital One. When I call Capital One and ask why I do not recieve my bill they tell me I do. I every time pay my bill in full and move forward. They send me to a voicemail in which I leave a message and they never return my call. Very poor customer service which esults in my frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I initially spoke to XXXX on XXXX XXXX. They did not give me an account number or any information other than that it was a debt from XXXX XXXX XXXX, the amount they want to collect from me, and that if I had n't called them they were going to " take further action '' to collect on the alleged debt. They did n't offer to send me any letter or documentation and did n't tell me that I was supposed to receive any kind of documentation from them. I should have received some kind of letter in order to prove or verify this debt shortly after they initially spoke to me, but I 've received nothing at all. 
They have tricked me into telling them financial information about myself and my fiance, and the XXXX time I spoke to them and told them again that I have no money and no way to make a payment on this alleged debt, the person I was speaking to asked me " Are you saying that you 're refusing to pay for services provided? ". I did n't know what to do so I hung up. 
They did n't tell me that I do not have to provide them information about myself or anyone else, or that I can tell them to stop contacting me. The only reason I know that I 'm supposed to have gotten a letter and can make them stop calling is because I found out via a XXXX search. 
I can not send them a request for more information or a complaint via their website because they 've never given me an account number. I do n't want to call them because I now know they will not notify me of my rights and they will try to trick me into saying things that I do n't have to tell them or will make me look bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
The agency continue to report I owe XXXX for cosigning on a loan. I never cosigned for anyone and the agency continues to file false information. I have not signed anything to cosign for anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
SLS, debt collector, obtained mortgage after default, sold my property on XXXX XXXX, and denied my loan modification XXXX XXXX, XXXX 2015 in the name of the trustee who could not receive transfer of the mortgage due to default of said mortgage, SLS filed foreclosure complaint without any default judgment or judicial process.

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 2016-01-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I have submitted the proper papers to Specialized Loan Servicing in regards to my mortgage and what I believe to be too many fees and forced addition of my taxes, home owners insurance and HOA fees leading them to consistently increase my monthly mortgage to the point I can no longer afford to catch up or keep up with my payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
It is with great sadness that I submit this complaint toward SLS. We have fallen behind in our mortgage payments due a change in our income. My husband is a XXXX veteran who just completed XXXX years of service. Due to this we 've had a significant change in income. For a few months he was unemployed only receving XXXX and I XXXX XXXX for XXXX, XXXX and XXXX. My husband is currently employed as of XXXX of 2014 with the XXXX and has applied and will be receiving his veterans XXXX. We have made several attempts to get a modification and have hit brick wall after brick wall. First they said they did n't have all documents so I faxed them again then received a denial. I faxed in an appeal and letter of intent now mind you the first denial took weeks and weeks but when I sent in the next fax I was told it takes 24 to 48 hours to have the documents uploaded however at that time when I called I was told it was denied for all options they received them XXXX day and denied all options the next. I thought that was crazy. I was told I can send in another appeal which I did. After reviewing my documents I was told they see the increase and will review but then after not hearing from them I called and was told it was denied because we have exceeded the amounts of modification based on their guidelines. I sent a letter stating that we should not be penalized for the previous modification because it was part of the XXXX. This week I called again and spoke with another rep, I 've never ever talked to whomever was my assigned person because he or she was never available and if a message was left call was never returned. The rep that I spoke with this week said a denial letter was sent, but I have not received it that states the reason for the denial and that there is no other options available but short sale under HAFA or foreclosure. I 'm at my wits end about the whole ordeal. I am afraid of the affect this will have on my husband as he has XXXX and the stress of the possibility of losing our home. I 'm praying for resolution in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 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: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
The California XXXX XXXX has demanded payments since XX/XX/XXXX, of which, any obligations have been barred by the maximum application California Statute of Limitations of four years on a contract debt. Up until last year, XX/XX/XXXX, it sought payment, with alleged interests of 10 % on an old account, in the amount of {$4900.00}. There has been no filing of a lawsuit to which I have been served, nor can I find a record of any judgment against me in this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC.
State: NH

Complaint narrative:
Plaza Home Mortgage , Inc. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ) used to service our loan before it was transferred to the XXXX XXXX XX/XX/XXXX. Now, Plaza Home Mortgage refuses to provide an IRS Tax Form XXXX ( XXXX ) for XX/XX/XXXX to us. I called Plaza Mortgage XX/XX/XXXX and was told that all forms were mailed by XX/XX/XXXX. We received nothing. On XX/XX/XXXX I sent Plaza Mortgage Customer Service an official request for the Form XXXX via email. Today is XX/XX/XXXX and we have not yet received the XXXX tax form. Plaza Mortgage failed to respond to my written request. As a result, we are unable to complete our tax return paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PLAZA HOME MORTGAGE, INC.
State: HI

Complaint narrative:
On XXXX XXXX, 2006, XXXX XXXX XXXX and XXXX XXXX XXXX, Husband and Wife, at Common Law, Tenants by the Entirety, as Fee Owner, executed a promissory Note secured by a Mortgage. ( see " Attachment '' ). The Note identified the lender as Plaza Home Mortgage, Inc. The Mortgage stated the lender was Plaza Home Mortgage , Inc., a corporation originated, and existing under the laws of California. 
XXXX XXXX was the loan officer of XXXX dba All XXXX ( XXXX ), who brokered the mortgage loan in 2006. The Professional and Vocational Licensing Division, State of Hawaii records appear to indicate that XXXX was never licensed as a mortgage broker, or solicitor. 
Also, in XXXX 2006, XXXX was not licensed as a Hawaii mortgage broker as required under Chapter XXXX, Hawaii Revised Statutes. ( see " Attachment '' ). 
A {$2400.00} broker fee was paid to XXXX. ( see " Attachment '' ). 
According to the Professional and Vocational Licensing Division, State of Hawaii, XXXX was never licensed as a mortgage broker, therefore making the Note, and Mortgage void. ( see " Attachment '' ). 
Plaza Home Mortgage , Inc., and its successors in interest had no right to receive payments on the mortgage loan because the loan was invalid, and therefore void.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NV

Complaint narrative:
First American Title located in XXXX Nevada was the title company that had us sign our original Note and Deed of Trust dated XX/XX/XXXX with XXXX Mortgage on XX/XX/XXXX. Per the XXXX recorder 's office, in order to record documents, a person must bring the original document ( XXXX ) to the recorder 's office to be recorded or electronically record the original document with the recorder 's office. Per the XXXX XXXX electronically filed our Deed of Trust on XX/XX/XXXX, instrument # XXXX. This was XXXX days later! Now ; on XX/XX/XXXX, I contacted XXXX and requested to know the following ; XXXX, I requested to know when the title company sent the original documents to the lender, New Century Mortgage. 
XXXX, what was the date the original documents ( Note and Deed of Trust ) were sent to XXXX. 
XXXX, I requested to know which carrier XXXX used to deliver these documents. 
My attentions were to verify that our original Note and our original Deed of Trust was sent to New XXXX Mortgage prior to New XXXX Mortgage going bankrupt and selling this asset, Note and Deed of Trust to another investor! The information below verifies that New Century Mortgage was in possession of the original Note and the original Deed of Trust when they sold our Note/Deed of Trust! 
Today, XX/XX/XXXX, I received an email from XXXX reflecting that the documents were shipped with XXXX on XX/XX/XXXX, tracking number XXXX. Please review the enclosed document ( s )! This caused another issue regarding our mortgage! Apparently, XXXX sent our original documents to XXXX, XXXX days prior to electronically recording our Deed of Trust with the XXXX. Even though the Deed of Trust was notarized, First XXXX Title was not authorized to record a copy of the Deed of Trust! Per the recorder 's office, all mortgage documents that are being recorded must be recorded with the original document! It appears that XXXX XXXX XXXX XXXX have violated state law ( XXXX ) NRS XXXX requirements for recording certain documents relating to real property. 
Since XXXX XXXX XXXX and XXXX servicing mis-handled our mortgage account, we are investigating everyone that is or was involved with our mortgage. An investigation into this matter is warranted by XXXX and XXXX agencies. If any wrong doing did in fact occur by XXXX, XXXX must be held accountable for their actions.

Company response to consumer: Closed with explanation