vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a Capital One 360 checking account online on Sat, XX/XX/XXXX and deposited a check from my daughter ( who lent me the money ) on the same day. The check was cleared. Transaction posted XX/XX/XXXX ; fund available on XX/XX/2012 as it said on my account ( See " Checking Account '' attachment ). However, on XX/XX/XXXX I received email from Capital One Services 6x ( each email with only a few minutes apart ) stating " Problem with your e-mail. '' ( See " Capital One Service '' attachment ). On XXXX, Customer Security sent email to me stating my account is restricted ( See " Customer Security '' attachment ). Without the least courtesy to contact the customer, Capital One went ahead and blocked me from making ATM withdrawal. I could not order a checkbook from my account either. Yesterday, XX/XX/XXXX, I called the phone # listed in the email sent from Customer Security ( XXXX ) and also the phone # listed in my checking account ( XXXX ). I was put on hold x 30 minutes each time without receiving assistance. I tried to leave voicemail, only being told by the answering machine there was no space available to leave voicemail. 
I called the # for new customers # ( XXXX ) two times ( the second time with the management team ) only to be told that " you have to be patient, my hands are tight and I can not help you at the moment. '' Both phone # XXXX and XXXX are non-human phone # 's. I requested the customer service management person to close my checking account and return the {$300.00} back as the check was cashed, but he denied of my request. 
This is the most horrible banking experience I 've ever had within the past 24 years banking in the United States. There is no Capital One banking center close to where I am residing and I can not get to speak to a human who can help me to resolve the issue. Therefore, I 'd like to file this complaint to request the Consumer Financial Protection Bureau help me closing my checking account and getting my {$300.00} back. I also would like other readers/customers aware of the level of customer service Capital One is providing to their online customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Someone stole our Capitol One credit care #, randomly, and charged {$100.00} to XXXX online dispursement center for a purported watch. It was shipped according to XXXX to an unknown address in XXXX, DE. We live in XXXX XXXX, NV and do not use online shopping or paying of bills with any credit card. This card has only been used XXXX in 3 months. Capitol One is not doing anything but giving us a new card with a temporary credit. Our APR on this card is 17.99 percent per year. That is too much for a 10yr old credit card with low limit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In checking my credit report, Capital One has not reported to XXXX since XX/XX/XXXX. This is effecting my livelihood as my family and I are trying to purchase our home. Due to building credit I am short XXXX credit point. My lender has stated that if capital one would update I would have the score I need to goto closing. I feel they are in violation of the fair credit reporting act and are not reporting monthly as they are required!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Credit Reporting Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am third party authorized for my client XXXX XXXX XXXX XXXX who had his home equity stolen from him through deed fraud and my company through XXXX XXXX ( a ) have been able to revert the deed back in his name. I contacted the servicer that was assigned his defaulted mortgage ( Shellpoint Mortgage ) and they informed that they conducted a short sale on the property in XXXX XXXX for the sum of {$420000.00}. I told them that was impossible no transfer of title or satisfaction of mortgage was ever recorded with the State of NY. They even told me who purchased the property through a short sale with there company. ( XXXX XXXX XXXX ). There is some serious fraud indicated here. I called back a second time on XXXX/XXXX/XXXX and they were not willing to speak to me even though I was authorized to do so.

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 2017-02-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I received a credit card and new account package in the mail from BarclaycardUS. It was addressed to me at my home address and had instructions for activating the card. I did not open an account or request a credit card account so I called to request that the account be closed immediately. Unfortunately, Barclaycard could not address the matter unless I provided my date of birth, last XXXX digits of social security, mother 's maiden name, and phone numbers for the account. I told the representative that I did not open the account and I refused to give them any personal information. They were not able to address the matter unless I provided this information. I asked to be transferred to their fraud department. That representative also requested the same personal information and I again refused. I told them I simply wanted to advise them that I did not open or request an account in my name. They told me they were unable to help me unless I provided the personal information. I hung up and filed this complaint.

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 2016-11-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a capital one credit card and I was late with one payment. I called and explained my situation to a customer service representative and asked for a goodwill adjustment since I was only late the one time. She informed me that she would dispute the late payment on her end and suggested that I dispute it with the XXXX credit bureaus myself. After disputing the late payment I called capital one back and was told that it was approved and that the late fees would be refunded. The credit bureaus removed the late payment from my credit reports. I then received a letter stating that they report to the credit bureaus accurate information and that they can not change their reporting on a courtesy basis. They also said they they have placed a disagreement code with a resolution of dispute on my credit file to the major credit reporting agencies. I called and spoke with a supervisor and he told me that the customer service rep should n't have put in a dispute on my behalf and that is why they sent the letter. This will affect my credit and I requested that capital one remove the code and follow through with what they originally said to me. The supervisor told me that he will not remove the code and I feel that it is unfair that this company can put in a dispute on my behalf only to turn around and put a code on my credit report. I am requesting that this code be removed from my credit reports due to them disputing it on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX, 2015, I purchased a vacuum from XXXX and paid for it using XXXX on my credit card. I used my Capital One Visa card. The amount was for {$960.00}. I received the vacuum in XX/XX/XXXX. However it did not work. I tried to return it by emailing the merchant, XXXX XXXX, XXXXXXXXXXXX. The merchant would not allow me to return it. Then, I contacted XXXX, they said I must deal with the merchant and it would be her decision. I then, filed a dispute with Capital One Bank. On my XX/XX/XXXX statement I was re-billed {$970.00}. An amount that was higher than the original purchase. I called Capital One Bank to ask them how to resolve the problem. They told me that a letter was sent on XX/XX/XXXX stating I would need evidence supporting the vacuum does not work and also a letter from another company who sells vacuums, stating 1. what the merchant who who sold me the vacuum did incorrectly, 2. how the problem can be corrected and 3. the cost to correct it. 
My problem is that I can not find another company who sells vacuums that will give me this type of letter they are requesting, especially if I did not purchase from them. I also do n't know how to give evidence that the vacuum does not work, another requirement from Capital One Bank. 
I feel these requests that Capital One Bank are impossible to obtain and completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ballybunion Enterprises, Inc
State: NC

Complaint narrative:
I currently have an account with Freedom XXXX XXXX. I have been a customer with them for over 2 years now, from the beginning it has been stressful. I originally applied for financing for a flat screen television for a family member. I thought the pricing was good so I continued with the loan. I thought I would be done paying this off within a year but now I am still owing them over XXXX XXXX dollars. This company has been continuously harassing me about a payment that I try to make every month. Being in the military I can not fall delinquent in any payments because it was cause my security clearance to be breached and possible discharge from the XXXX XXXX. They have made multiple threats about contacting my XXXX regarding the account. I have asked them multiple times about offering me a settlement amount so that I could be completely done with them and they turned me down multiple times. This time is the last straw. I recently made a partial payment to them on XXXX XXXX XXXX. Usually they will call me and harass me with making another payment. But they only called me once on XXXX XXXX XXXX and left a voicemail. I could not answer because I was at work so I called them back as soon as I could. No XXXX answer and there is no way to leave a voicemail for them, the phone will hang up once it is ringing for too long. XXXX XXXX XXXX XXXX they took {$94.00} out of my account without me knowing. Also XXXX XXXX XXXX, they took {$190.00} out of my account without my consent. I have been trying to call them constantly and finally today I spoke with someone named XXXX, he was rude and talking over me, and even denied the transactions taking place. I even offered to send them a screenshot of my bank statement. XXXX told me that he would have his manager call me back. This is completely fraud and I do not understand why they would try to get over on young people in the military.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
XXXX is billing me for tests already paid for by my insurance company. XXXX XXXX is a tier 1 HMO provider for my insurance company. They have been paid, but continue to harass me with bills. I have no deductible or co-pay with my insurance. Now Quest Diagnostics have turned me in to a collection agency ( Credit Control , LLC of XXXX MO-Account # XXXX ), and have billed my credit card {$100.00} without my permission. I have mailed them EOB 's from my insurance company and they have been FAXED to them as well. Hours on hold with their phone support. Staff at XXXX XXXX facilities refuse to answer any billing questions at their local facility, hours of wait on hold if you try to call them. I have used XXXX customer service portal and the only response from them is a form letter in email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I get alerts from XXXX website when activity takes place on any of my credit reports. A debt being collected by Credence Resource Management for XXXX was due to fall off and I received an alert that they removed it and put it back on, causing it to be re-aged which is a violation of the FCRA. See attached screenshot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Our home went into foreclosure and my home was sold today and wanted to report the illegal activity from the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: EBA,LLC
State: OK

Complaint narrative:
Continuous calling my number and threating my family and I with legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC
State: NY

Complaint narrative:
I was going thru a divorce, in which this cc was growing in debt, due to my wife at the time. In which she claims ashe is n't and wo n't be responsible for any charges under my name. Most of the debt concurred was made thru my Acct but not me. Even while we were separated my credit cards were still being used due to having access to my cards. In some cases we had XXXX cards. This company had said to me over the phone. That they will no longer call me, and not harass me due to my divorce and all the money that was taken from me. Also the company had wished me the best in luck with my divorce. I just had no money at all to pay for gas and simple meals at that time. Resulting in 9 years of living almost homeless. The credit card company sided with me and dropped this matter. I finally got some room to live again and now all of a sudden the account has been reopened after 2011. I had financed a truck last year my only big purchase in which my mother pays off monthly. While I continue to pay 25 % of my pay check to my ex wife. Until my children reach XXXX years old. Approximately XXXX more years from now. So why come after a person who can barely eat. I needed a truck for work in once again I do n't pay for. My other vehicle has over XXXX miles. Please seize to try to collect from me. I 'm still trying just to get up and work for my children to have clothes, and everything else kids have now. I wish I had money to live but in all fairness. I 'm barely living. I try daily to make more money, by trying to help in side jobs, just so I can take my kids out to a movie or just to dinner. I have n't been in a situation like this my whole life. I worked for everything I owned. In the passing away of my father from XXXX XXXX, I lost my job and heard from now my ex wife, hat I 'm not a man for losing my job. And I better do something fast or this family is over. Plus she wanted a larger house. For years I 've tried to have a better paying job, but it did n't happen. The stress was so bad i had XXXX, and put on XXXX and XXXX XXXX. I have nothing left to say or can do. Please stick to our hard times agreement. Due to financial loss, and divorce.

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 2016-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Skopos Financial, LLC
State: MO

Complaint narrative:
I have repeatedly asked Skopos financial Not to call me or my references. They have ignored 3 documented requests to ceases and desist all phone calls. Guilty of several violations they have agreed to defer payments to passify me and avoid lawsuits! They continue to take advantage of a loop hole in Missouri law! This is causing me to have health issues because of the XXXX and embarrassment I am suffering because of their inconsiderable acts! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
This collection is for a bill for a medical procedure that was covered 100 % under my XXXX insurance. I have made repeated attempts to resolve this collection with the collection agency ; BCA Financial Services. They tell me to disregard the mail notices and that they will process through XXXX again. But, the collection stays on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I received written notice that my home loan was transferred from XXXX to Shellpoint. 
Now both XXXX and Shellpoint say they do n't hold the loan. 
I have made repeated phone calls and sent many emails to both companies, still both claim that they do not hold the loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been current on my 1st mortgage for years. However, my 2nd mortgage, which was initially included in a bankruptcy in XXXX, resurfaced demanding payment. I questioned the lender to no resolve. Eventually it was charged-off and sold to a debt collection agency. They tacked on additional fee 's almost doubling the original {$12000.00} debt. Again, questions and back & forth but no resolve, so the new higher amount was charged-off and sold once again. This new debt grew again, and I questioned and disagreed, so once again it was charged-off and sold yet again. But little did I know, it was also listed as a " Short-sale - with multiple late 's '' on the XXXX Originator database, then charged-off and sold. Finally after this last sale, the debt had reached almost 3 times the original amount. I was finally able to negotiate and the debt to have it settled for less than the original amount paying the final agreed upon amount officially closing out the debt. Now, I discover, that XXXX of the debtors, listed the debt as a " Short-sale Mortgage '' in XXXX XXXX ; only after I had made an offer on a property and in Escrow. This never showed up on any of my credit reports. ( This was extremely disheartening to XXXX, after months of house hunting ). My Realtor informed me that I would have to wait " 2 years '' to be able to purchase a property, and I had to withdraw my offer and cancel the escrow. This feels like unfair practice and deceptive bargaining. I am only requesting that this " Short-sale with multiple late 's! '' be removed from my Escrow investigation XXXX XXXX XXXX XXXX or any other Escrow tool now, rather than me wait for 2 years being penalized for this method of doing business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: AZ

Complaint narrative:
Debt was originally incurred in XX/XX/XXXX or earlier over 14 years ago. This collection agency claims they acquired the debt in XX/XX/XXXX at which time the debt would have been over XXXX. Statute of limitations has expired. I do not owe this debt to XXXX Bank!

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