vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-17 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Derogatory Mark ErrorsA paid-off collections account is still showing as unpaid. 
An account that was closed and paid in full is still showing up under collections/remarks on my credit report. 

Account DetailsLast Reported XXXX XXXX, XXXXCreditor Name CAPITAL ONEAccount Type Credit CardAccount Status Closed - PaidOpened Date XXXX XXXX, XXXXClosed Date XXXX XXXX, XXXXLimit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status CurrentWorst Payment Status 60-89 Days LateDate of Last Payment XXXX XXXX, XXXXAmount Past Due {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Kohls calls all hours of the day and night from out of town numbers continually. I have proof that they call XXXX to XXXX times a day at innappropriate hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Kohl 's, I get an average of eleven calls per day. I am an XXXX worker and awaiting XXXX. They will not stop calling. They call from XXXX and as late as XXXX. Kohl 's practices are highly unethical. Eleven call a day every day, enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed bankruptcy which was discharged in 2014. Capital One reported this as discharged when the discharge took place. Capital One continues to post new negatives on my credit report monthly even thought this account was discharged and the credit card was cancelled. I know the initial negative will stay on my credit report for 7-10 years. Is Capital One allowed to continue reporting new negative information? If so, this new negative will stay on my credit report way past the 7-10 year time frame. How do I make this stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
back in XX/XX/XXXX I request to close my secured card, and they kept all of the security deposit XXXX to bring the card to Zero balance and they reported it as closed by consumer request. 3 months later they start reporting every month that i was late? they put XXXX late payments on me and changed it to charge off? saying i owed a pental fee? they never told me about and ruined my credit Capital one. then they set it that i could not call regular customer service i had to speak with the ceo administrator and she talked to me like i was less than a person saying i owed an additional XXXX for closing the account. they never told me that. so now i have XXXX missed payments so they say and it says charge off. please correct it because i had not missed any payments in years XXXX payment in XX/XX/XXXX please correct and give them a penalty for being dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX and XXXX XXXX XXXX, I like my Capital One products but there is a personal issue that is partially unresolved. It is partially resolved because Capital One was able to make monetary restitution to a credit card insurance scheme that I was paying. Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed or disable. I am currently having a successful career. However, I went to a very difficult time when I was experiencing hardship by being unemployed and collecting unemployment benefits. During those difficult times, I qualified for benefits as described under the terms of the Capital One benefits agreement. I was being harassed by Capital One on my cell phone to make payments. Some of those collection reps were condescending and rude. Maybe, it was a language barrier problem. They did not want to consider that I have insurance benefits that cover that type of hardship. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I recently had fraudulent activity on my Capital Credit Card ending in XXXX. I miss-placed my wallet and my card was fraudulently used at an ATM machine. Capital One is stating that they are holding me responsible for the charge even though they are clearly Fraud ; and I nor anyone I know did not authorize the charge. They are stating it is due to the fact that I had my pin number stored in my wallet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My card was stolen and there were unauthorized charges of XXXX and XXXX. I filed a police report. Called to give them the police report and asked to speak to a manager he basically told me the cops would n't help me. And they were n't going to look at the tapes when the officers told me they would, and stated they do not get involved in civil disputes even though I have no clue who stole my card. He was talking over me. The previous rep stated that once I obtained a police report they would re open my case in which this manager refused to do so. I do n't feel I should be charged when my card was stolen and to be treated like a liar was very disrespectful

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
Good Night, My name is XXXX XXXX. I am financing a XX/XX/XXXX ford XXXX with XXXX XXXX in XXXX Fl. The branch in XXXX recently closed down so we have been dealing with the francise in XXXX for payments. On XX/XX/XXXX called to make my biweekly payment. My sister and I typically split the bill in half. XXXX was the agent I was dealing with that evening. I asked her to verify if a card was in their system as she verified I realized she was asking if I wanted a confirmation email. She had already charged the full amount to the account and on a card that I did not verify. When I told her that her response was rude. She immediately began to blame me for being at fault. She was very unprofessional and unapologetic. She even hung up the phone on my sister and I when we called back to find out what she could do to fix this inconvenient error. We then called back and spoke to XXXX hoping he would provide insight on how to file a complaint and get in touch with headquarters so that the recorded phone call could be reviewed. He told me that he had no contact info and that they were corporate. He started telling me that he heard what happened and that I was at fault for the situation at hand. I am frustrated at the customer service I received that day. I have contacted BBB, FFR, and the Fl attorney general. I dont feel I should be stuck doing business with a company that has no respect for me and such callous disregard for mistakes made to customers. 


XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Caused a derogatory statement to go on my credit report, and me finding out through my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello, My Capital One credit card account has charged off on my credit report. I did a balance transfer in XXXX XXXX from Capital One to another credit card in order to consolidate. On XXXX XXXX, XXXX, I received my FIRST phone call from a collection agency that works with Capital One. Apparently I have a {$5100.00} balance on my Capital One card and Capital One has not received a payment in over 6mths. This is the FIRST communication I have received from Capital One in regards to this matter. They stated the balance transfer never went through and the account has now charged off. I scheduled payment with the collection agency immediately to pay the full amount that is in sitting in collections. My payment history with this company has been stellar until XXXX XXXX, when I assumed the balance transfer took place. If I would have been informed 30-60 days after missing a payment I would have ensured to take care of the matter. How is it possible that a company NEVER reaches out to the consumer in cases like this? 
Desired Resolution : Correction to a credit report Desired Outcome I would like this charge off removed from all XXXX credit bureaus due to the fact I was never properly notified. My payment history with Capital One has always been perfect until this matter. I feel that Capital One has a duty to contact consumers within 30-60 days of a payment being late in order to avoid situations such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Paid my bill on time but was charged XXXX late payment fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Hiday & Ricke, P.A.
State: VA

Complaint narrative:
Hiday & Ricke P.A. of XXXX, FL ( Representing XXXX XXXX ) has our entire bank account of over {$4000.00} on hold for garnishment for a credit card debt with XXXX from 2002 from a previous marriage without any notice at all. Even though my name is on the bank accounts along with my husband, son and my mother, I am on there as a convenience only. Hiday & Ricke has told me that the statute of limitations is 20 years, for credit card debt. However, the limitations is 4 years. XXXX XXXX was not filed. Now that I have purchased a round trip plane fare, filed for an exemption, Hiday & Ricke ( representing XXXX XXXX ) have filed a motion for a telephonic hearing. Because of this, my husband had to get a {$5000.00} loan to cover all our bills including return checks and nsf fees. I really appreciate anything that you can do to help me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage was purchased by Shellpoint Mortgage Servicing in late 2016. My mortgage was set up with an escrow to handle tax payments. The first tax payment was due XXXX and that deadline was missed by Shellpoint. Note that the tax payment due was {$23000.00} and the amount held by Shellpoint already in Escrow is {$34000.00} so there is plenty of my money to pay the bill already deposited. Due to being late that tax payment due has increased to {$24000.00}. I have called Shellpoint several times ( dates may be 1-2 business days off ) XXXX, XXXX, XXXX, XXXX. I have been apologized to each time and they say things have been " escalated ''. I have been told it will be resolved in 7-10 days ( XXXX call ), check is scheduled to go out XXXX ( XXXX call ), and now no one knows what 's going on as none of these things have happened. I have asked to speak to a supervisor multiple times and was successful only once - with a gentleman named XXXX. He was professional on the call & promised to get it taken care of and said he would call me back the following day - the call back never occurred and I was just told by another customer service person my payment would not be going out today as the tax department is now closed for the day. XXXX has been unavailable to speak to me all day today when I 've asked. No other supervisor is available either when I ask. No one can answer if my tax bill will be paid and when, despite Shellpoint having over {$34000.00} of my money set aside for exactly that purpose. If not paid by XXXX there is another penalty raising the bill to {$25000.00}. I am now getting overdue payment notices to my home and also solicitors contacting me to give loans due to my overdue tax status.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Short sale package and offer was submitted to Shellpoint, after 5 months the investor denied the file. The negotiator at Shellpoint told me we were meeting the min net. Now shellpoint will not call me back to explain why the investor countered. I do n't know if they want more money or what. I have reached out to shellpoint about XXXX times and even upper management and no one will return my calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Servicing sent letter dated XXXX/XXXX/15 advising that we have not provided all documentation for loss mitigation program. I have questions and I have called XXXX XXXX at Shellpoint every business day for six days. Her voice Mail says she will return the call within 24 hours. She has not returned my calls. Her message says press XXXX for further assistance when I press XXXX the message says No one is available to help you, call back. Shellpoint has given us a deadline to submit documents yet it has been six days of daily telephone calls and leaving messages with NO RETURN calls from XXXX XXXX or anyone else at Shellpoint Mortgage Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Grand American Resources, Inc
State: MN

Complaint narrative:
I told the deck collector named XXXX that I was not currently working and would n't be able to make payment until XXXX he asked me how I was paying my current bills I said that my fianc was because I have been out of work because of my XXXX he then proceeded to say I guess that this dad is n't that important to you we will have to take the next steps. Thanks person that suffers from XXXX this call has extremely upset me and has caused a lot of XXXX when I ask him more questions he told me not to contact him and hung up on me and refused to tell me certain things about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
This collection agency continued to call my CELL PHONE from an automated dialer after I asked the to remove my phone number over three times.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 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: The CMI Group, Inc.
State: FL

Complaint narrative:
This company began sending collection notices regarding a XXXX bill in mid 2015. I immediately contacted XXXX to find out what was going on. They had no record of my having any outstanding balance, and in fact all my payments were auto-draw from my credit card account, which I still have in spite of my moving from Alabama in 2015. It would be unlikely that they would have missed their opportunity to draw, even if there was some amount owing. I informed the company, Credit Management LP in XXXX, TX, and heard no more until this last spring, where they repeated the demand. I responded in writing this time, and told them that they had to prove it, and to echo their demands of 30 day compliance, I gave them 30 days to respond. Today I received another demand. No explanations, just another demand. I do n't know what sort of powers they have to affect my credit rating, but should that happen, I will be forced to contact an attorney. In summation, this is a demand of which I am not familiar, of which XXXX seems to know nothing, and to which the Credit Management company does not respond as their own letter proscribes that they will and must. Can you be of some help with this?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville Collections continues to collect on an XXXX account that has been reported as fraud. Bonneville Collections continues to verify their account on my XXXX report. It needs to be removed from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
ShellPoint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX The investor, XXXX XXXX, is refusing to honor the servicer 's, ShellPoint 's, value of XXXX and insisting on receiving XXXX minimum net. This would make the purchase price XXXX ***** The investor is requiring the buyer pay XXXX OVER AND ABOVE FAIR MARKET VALUE for this property. 

The agent had sent market comps to Shellpoint, using a price per square foot basis to reach the purchase price of $ XXXX. Shellpoint originally used comps that were NOT comparable- they were for much larger homes that were in far better condition. After a value dispute ShellPoint lowered the value to XXXX. The investor, XXXX XXXX is refusing to honor its servicer 's value. XXXX XXXX is demanding that based on their own comps. 


The investor is XXXX XXXX. The servicer is ShellPoint. The CFPB 's role is to protect consumers. This is a clear cut case of the investor and its surrogates, aka servicers, attempting to extort the buyer by demanding a sales price higher than anything that has currently sold in the same condition in this community with the same square footage. 

We want to reiterate that XXXX XXXX and its surrogates, aka servicers, forced the homeowners from this property telling them they no longer owned it and converted this property to a zombie foreclosure. Please review our XXXX CFPB complaint ( filed XXXX/XXXX/16 ) again. NONE of these issues have been resolved in any manner whatsoever. 

XXXX XXXX and their surrogate 's actions have caused financial harm to the sellers in the form of XXXX dues that they are liable for under California law. This is not to mention the emotional toll this is taking on our elderly sellers living on a fixed income, who are being continually swindled by XXXX XXXX and their surrogates. It is quite possible that XXXX XXXX and their surrogates have violated multiple state and federal laws : 1. Illegal eviction 2. Constructive fraud 3. Illegally telling a homeowner they had no retention options on multiple occasions ... ..among others ... .. 

PLEASE remember that XXXX XXXX has already settled in the amount of {$5.00} BI dollars for LOAN FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Rent Recover, LLC
State: IL

Complaint narrative:
I am XXXX but I have a device to assist me with XXXX but I could not understand the gentleman 's name, I think he said XXXX, from Rent Recovery. I also live with a XXXX XXXX that requires me to have XXXX every XXXX months ; which compromises my job. 
However, XXXX of all, this guy continues calling what he thinks are relatives of mine regarding a debt that I 'm making payments on. I offered to resolve the entire debt but the collector is refusing to take a lump sum of money I currently have access to which is {$980.00} but I also said I can put an additional {$200.00} with the amount. I make payments of {$25.00} a month but when I have to see my doctor to pay for XXXX, I sometimes I make the payment late. 
I ca n't say for sure which company is this because they 're refusing to send me written confirmation with their information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My XXXX year old mother is refinancing her home. Her mortgage was recently transfered from XXXX XXXX to Shellpointe Mortgage Servicing. She and her attorneys have been trying to get a payoff statement from Shellpointe for over 3 weeks and they have not responded. As a result, her rate lock on her new mortgage commitment has expired and now she has to pay a higher rate. Shellpointe has not responded to XXXX requests for the payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation