vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX has added herself to my Capitol One Credit card as an authorized user without my knowledge. She is using this card for her daily living expenses, vacation, and cash advance withdrawals. According to the transaction since XXXX XXXX, I have used this credit card by setting up automatic charge to pay for XXXX XXXX XXXX for the amount of $ XXXX monthly. This $ XXXX monthly has been moved to another credit card since the credit card overcharged. In addition, on XX/XX/XXXX and XX/XX/XXXX I charged the amount of {$1400.00} for XXXX for a total of {$4200.00}. However, I have paid it off a couple of days later. On XXXX XXXX, I received a credit adjustment of {$4200.00} due to the fraudulent act of the company. She has used all of this credited amount without my knowledge. XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX, she confessed to me what she did and I paid a total {$10000.00} to try to get her out of trouble and she stated she will take care of the debt. However, she did not do what she promised that she will repay me and pay off the credit card debt. Therefore, she added herself as an authorized user, overcharged for her daily living and luxury vacation, cash advances, used my credited amount fraudulently. Capital One refused to take this as a fraud case. They claim that I am responsible for the debt that XXXX has charged. I have been calling Capital One since XX/XX/XXXX. However, the conversations with the representatives are different each time. There are different issues and suggestions stated by the representative. I was told that all I need is to have XXXX signed an admittance letter stating that did used my credit card without my knowledge and will take responsibility for this debt. XXXX stated that she did signed the admittance letter and sent to them. However, Capital One stated that they never suggest the admittance letter and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
on XXXX 2015, i reported my credit card lost, but capitalone credit card stated that they will issue the credit card, which will take 7 to 10 days, but i have not receive my card and I told capital one XXXX, but i have still not received my credit card, i verify my address too. I know that capital one has some not pleasing customer service issues, which i decided to file a compliant. The company is holding my credit card, I also had my card stolen and there was some unauthorized charges on my card. Which I had to call and tell capital one about the charges, but the company only gave me partial amount of the unauthorized charges, which for the third time, there is still another XXXX that the company owe me. They tell me not to worry, but the company has a XXXX fraud liabilty, so since they wont cooperate, i decided to file a compliant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit card had a XXXX address. 
In XX/XX/2016 I accepted a temporary work position in XXXX. From XXXX onwards, the only charges that were made on my credit card were in XXXX, or on the way to XXXX. No charges were made in XXXX after XX/XX/2016. 
At the end of XXXX I contacted Capital One and requested that they send my monthly statements to me in XXXX. A week later they froze my account for " suspicious activity ''. This suspicious activity turned out to be my address change request. 
After speaking to multiple " fraud specialists '' ( ahem! ) to resolve the issue, I decided to stop using the card. I was told that in order to obtain the rewards owed to me, I would need to speak with a manager of Capital One. A specific appointment was made for this to happen on XX/XX/XXXX at XXXX EST. Capital One chose not to keep this appointment. 
Capital One will take my final payment, but wont release my rewards without manager approval. It makes no sense. Actually nothing that Capital One has done during this fiasco has made any sense. Capital One has since changed the address on my card to my XXXX address! And this is the suspicious activity! If I had not made this address change request, my account would not have been frozen. 
I would like help in obtaining a check for my rewards of {$250.00}. At no point has Capital One said that these rewards are not due to me. But they said it has to be approved by a manager. I have run out of patience trying to deal with Capital One on an issue that they have handled very poorly from the start.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am corresponding to you pertaining to an issue regarding my Kohl 's Capital One Card regarding a XXXX 2015, 30 day late payment that was reported to my credit report. 

In early XXXX, I had taken off to visit family out of state. Before embarking on my trip, I had setup auto payments through my XXXX XXXX XXXX XXXX checking account to pay off the Kohl 's account balance for the upcoming payment. 

However XXXX XXXX XXXX XXXX failed to execute the payments to Kohl 's, despite the online confirmation I received from them. I would not find out about the delinquencies until my return home in XXXX, by which time the account was over 30 days late. 

Kohl 's customer service department requested that I sent them documentation from XXXX XXXX XXXX XXXX that proved the errors, as well as statements that show my bank account had more than sufficient funds to cover the balance when I had setup the payment. I went ahead and sent them both these pieces of information. However, inspite of this Kohl 's retorted weeks later claiming this issue would not be resolved since the late was not their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
They set-up my account incorrectly because their branch staff member is incompetent ( XXXX in XXXX VA ). I asked to be opted out of their overdraft program and he opted me in instead ( probably on purpose as I imagine the branch gets a kick-back for all overdraft fees ). When I received the XXXX overdraft charge I went in and he supposedly corrected HIS error and reversed my charge. I assumed all was well then 3 weeks or so later I received {$500.00} in overdraft charges ... No one in their " corporate customer support '' office would help at all, said I had to go into the branch which I did. They acknowledged that the error was theirs but the branch manager claimed she had to get approval from someone over her. Two weeks go by and every time I call the branch to talk to her she is " busy '' and will call me back. Of course she never does. Once I get the " customer service '' people to call me they call her and she claims she never heard of me and never had the discussion.

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 2015-10-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc.
State: NC

Complaint narrative:
AR Resources is a collection agency trying to collect on a debt in which I 'm have no knowledge of. I have disputed this debt with the credit bureaus and have sent several letters reaching out to this agency to try and resolve this matter. They have never responded back to validate this debt and continue to negatively report this account on my credit causing me damages such as being denied by several lenders. The reporting of debt that has not been validated per the law is a violation of the FCRA and I 'm seeking further assistance to quickly resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: ME

Complaint narrative:
In XXXX XXXX we filed a Chapter XXXX bankruptcy retaining our home at XXXX XXXX XXXX in XXXX, Maine XXXX. NationStar is not showing proof of payments made via the bankruptcy and stopped taking our payments. They have now started a foreclosure case against us and have not been sending statements since XX/XX/XXXX. Then in XXXX XXXX they sent a demand letter stating we need to pay {$14000.00} to cure our default. They cashed our checks up until XXXX XXXX. Our bankruptcy attorney sent a check for {$5000.00} where they were not accepting his payments and they returned this check back as well. This should have never happened as we have complied with our bankruptcy guidelines. We ask that you assist us in getting this problem rectified as soon as possible. Our home is also being shown for sale on XXXX, XXXX, XXXX, XXXX, etc and they can not sell our home as we have not been foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I went to BB & T bank to secure a VA loan XX/XX/2016. My loan officer miss represented the Underwriters needs concerning needed documents needed for closing. I sent newly prepared documents in. time was relevant and time ran out. I then had a new meeting with loan officer and was told i would be able to get qualified and that he would write a letter himself to address the problem area i was having to get loan processed. XX/XX/XXXX i was rejected because all of the documents i had sent in to prove i was living in home was n't enough i had asked my loan officer i 'd do anything they wanted to prove my living in the home and did everything i was asked. I then went to another Bank where I transfered all my documents to and the only thing left was the VA appraisal. I put in the request to have the appraisal transferred weeks went by nothing. twice this scenario happen. I wrote multiple emails to BB & T then was told they needed a letter from both new bank and myself requesting the appraisal be transferred. I did that and thought everything was over but got email from mu loan officer stating that he had not received the appraisal yet. I wrote the loan officer at BB & T again he stated that he was working on it and to be patient. Im now into the next year and my new loan officer just sent me an email stating that i 'm about to loose my locked in interest rate because BB & T cant or wo n't transfer my appraisal.

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 2016-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My Loan with Nationstar Mortgage # XXXX was modified and my trial payments were on time, I received XX/XX/XXXX statement and my payments went down to {$1600.00}, I phoned the bank and after reviewing they said my escrow was decreased. I made XXXX XXXX payment. Than XXXX XXXX payment came again {$1600.00} was made. My XXXX XXXX statement came and they were requesting {$2100.00}, I called and they connected me with an Escrow specialist, who did not understand what was going on, she than spoke with her Supervisor who also did n't have an answer. I was told they would call me back on Monday, when the Specialist team gets in and they wld review and phone me back. I waited patiently and still no call. I called again and this time a XXXX XXXX XXXX was assisting me. He looked at the notes but did n't have an answer for me, again spoke to his Supervisor and he did n't have an answer. They said they needed to get the top heads on my case cause they were puzzled as to why my Trial payments were higher than my statement payments. Once again I waited patiently and no phone call. Everytime I call I I get someone else and I give name of person who was helping me prior and they never recognize the name because they have so many diff. dept. I called once again and the rep read the notes and told me there was no update on status, but she wld try to figure it out. She said I had an escrow shortage XX/XX/XXXX, mind you I had talked prior to my Town Assessor and they claim that the escrow did not go up that I had to take that up with the Bank. If there was a shortage like the rep claim, should n't all that be put into the Orig. Loan Modification? If so, than why am I the one being penalized for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Applied for a refinance. I was told the interest would be 3.09 %. Loan amount {$150000.00} 15 year on a home worth {$500000.00}. Also have XXXX in excess of {$250000.00}, {$20000.00} in savings account and {$6000.00} in checking account, credit score if XXXX. 
Loan criteria became more and more difficult. Finally they offered me a 30 year {$130000.00} loan at 4.00 % interest. They have frozen my accounts and it is impossible to get ahold of XXXX the closing company. 
Quicken loan officer : XXXX XXXX ( XXXX ) XXXX ext. XXXX XXXXXXXXXXXX. 
XXXX # : XXXX XXXX # : XXXX Respectfully XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
With regards to Account # XXXX and XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
NationStar the company that holds my mortgage erroneously reported late payments on my mortgage and lowered my credit score to XXXX, when is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Branch Banking and Trust has closed my credit card account without any form of notification for having no activity for 12 months

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I PREVIOUSLY FILED A COMPLAINT AND THE COMPANY NEVER RESPONDED! This agency continues to report debts that I do not owe. I have disputed these erroneous accounts and requested them to send me some validation. They continue to report these derogatory accounts, but have yet to send me original documents as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
I want XXXX to release the illegitimate lien on my house. 
I want them to return the {$160000.00} I have overpaid for my house for money I already paid to someone else for properties I do not own. I refinanced a loan to PAY off the balance ( as in the LENDER pays it off and applies my principal payments not add more for giving me nothing ). not finish paying for it before another XXXX loan kicks in!!! 
I want SPS to find out EXACTLY which loans were actually PAID and which loan they are trying to illegally collect from 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 2016-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants and Medical Credit Corporation, Inc.
State: MA

Complaint narrative:
THIS COMPANY HAS CALLED MY WORK PHONE AFTER I TOLD THEM TO STOP CALLING, THEY ASKED TO SPEAK TO PEOPLE SITTING NEXT TO ME THEY ASKED THE RECEPTIONIST TO PAGE ME AND KEPT ASKING FOR A CELL PHONE NUMBER AT MY PLACE OF EMPLOYMENT. THEY CALLED MY CELL PHONE 13 TIMES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
In XX/XX/XXXX I obtained a home equity loan through the XXXX XXXX XXXX. Due to economic circumstances I was in default of both my XXXX and XXXX mortgages. The XXXX and XXXX were eventually modified. The XXXX apparently set aside but did not write off a portion of the debt. The XXXX involved a balloon payment that came due XX/XX/XXXX. I had made all post modification payments as required. Now the XXXX mortgage servicer, Nationstar refuses to offer any reasonable reasonable restructuring of the loan and is demanding payment in full. I have received a letter from an attorney stating they will initiate foreclosure if I do not pay the balance in full. I am also aware they may sue to collect if they so choose. 
It is unreasonable for Nationstar to make such a demand and not offer a rescheduling of the loan balance. I request assistance dealing with Nationstar and hope they will offer a reasonable rescheduling so I can keep making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I retained XXXX XXXX XXXX to do a Modification for my home in XXXX of XXXX. I paid them about XXXX dollars, and never got a modification..On XXXX XXXX I called up my lender whose name is Nationstar Mortgage and was told my home was sold on XXXX XXXX XXXXXXXX law group never contacted me regarding this matter at all. I also never receive any notices about a Court Date for a Foreclosure Court appearance. In XXXX of XXXX I XXXX XXXX faxed short sale documents to Nationstar Mortgage cause I was under water. Nationstar Mortgage said they never received any documents. So on XXXX XXXX XXXX I called up Nationstar again to fax over some more documents to be told my home was sold on XX/XX/XXXX.XXXX group never contacted me or my Wife regarding this matter now me and my Family have to pack up and leave the premises because of XXXX negligence.This really hurts cause I have a Family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
This is a complaint against Nationstar Mortgage. I am a bankruptcy attorney and often represent clients in Chapter XXXX bankruptcies. Nationstar is constantly sending notices like the attached directly to my office even though they are given directions and provided authority to send these notices directly to the client. Despite these authorizations, Nationstar consistently tells their customers that they " ca n't talk to them '' about their own mortgage simply because they have an attorney representing them in their bankruptcy case ... despite the fact we have given them specific permission to deal directly with the client on these matters. However, what 's worse is that typically the notices they send have our office 's name on them and GIVE NO INFORMATION CONCERNING THE CUSTOMER THEY ARE ADDRESSING THIS TO. Note on the attached Notice that they address it to myself, the attorney, but nowhere indicate who the client is or even what the account number is. The notice is worthless as I ca n't even forward it since I have NO IDEA what customer this pertains to. Then, they send this worthless Notice by UPS, signature required. When I speak to their office, I get representatives who do n't know what their talking about, ca n't answer questions and then often tell my office that they ca n't deal with me, they can only DEAL DIRECTLY with the customer ( after they 've already told the customer that they CA N'T TALK TO THEM ). This company needs to go out of business.

Company response to consumer: Closed
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
In XX/XX/XXXX I called my mortgage company ( Nationstar ) to modify my loan as my interest rate was at 5.75 %. I submitted my financials and required documentation waiting to hear if approved for the modification. On XXXX XXXX I XXXX and I called the mortgage company to inform them of the change in circumstances. I was told not to worry about it. I was not offered the XXXX program of forbearance or payment reduction. I was finally approved to the modification ( or so I thought ) and closed XX/XX/XXXX, still XXXX at this time. I was rushed through the closing and when I had time to review the paper work a refinance was processed with closing costs of {$8200.00}! On top of that my rate was reduced by less than .50 %. 
My XXXX ran out in XX/XX/XXXX. I was unable to make payments and I called to see if there was anything I could do. I was told at that time about the XXXX forbearance but I was not eligible because my XXXX ran out. 
I started working again on XXXX XXXX and had signed a 150 day letter to cure expiring on XX/XX/XXXX. I was told to cure i would need to make XXXX payments {$8800.00}. I was in constant contact with loss mitigation XXXX XXXX and I told him I would have the payment on XXXX XXXX. I continued to call and have various representatives note I would Pay on the XXXX. When i called XXXX on the XXXX to make the payment I was told I was referred to foreclosure on XXXX and nothing could be done unless i paid over XXXX. They would not accept payment and as of today I have not received a notice of foreclosure. 
I can not apply for a modification until XXXX XXXX 1 year after the re-fi. my target sale date is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief