vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello, I use to have an account with Capital One and XXXX ( also Capital One ), the bank cancelled my account without explanation and few month 's later XXXX canceled my account, again there was no explanation. I was a good costumer at the Bank and doing small but growing investment with XXXX XXXX. 
Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Pre recorded msg states they are collecting adebt for a name I never heard of. Says if I am not this person hang up otherwise I am acknowledging I am this person. I have tried call block but switch their number. Caller ID says XXXX offices. Numbers start with XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I placed a custom order with the company Excel XXXX billed on XXXX/XXXX/16 for {$260.00}. I received the items ( pins ) and they were darker than desired. I reached out to the company for a replacement/refund. I have an email/document signed from the company saying that a replacement would be sent. I opened a case with Capital One credit card to dispute the charge case XXXX. Excel XXXX sent documentation showing that I approved the order but failing to include the documentation where they agreed to process and send a replacement order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
opened a checking account online. 
next day, deposited company check into ATM branch, receipt received. 
same day received email alert to call them called, they state they do not want to do business, account closed. 
next day, called again, check deposited ok, account closed and locked, unable to access funds called again, security team states the originator of the check has to contact their bank to have funds " pulled '' back and another form of payment issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Regarding : Consumer Financial Bureau Case number : XXXX I have not received the following information : the contract between your company and XXXX showing your company owns this debt. As well as proof of debt showing a detailed print out of all payments and adjustments within the next 5 business days as this was previously requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One fails to send bills each month ( especially when there is no activity on the card for the month ). When they do n't receive payment on the bills they never sent, they claim you are past due and try to charge fees. This is a scam to increase fees and interest for consumers who always pay bills ( that they are actually sent ) on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been in the process of attempting to get a loan mod from Capital One for months. I sent in my first application XXXX/XXXX/15. Their strategy is repeated over and over by first telling me they have everything they need except for a short list of documents. I send them the requested documents right away. After some time they contact me to ask for updated documents, which I send. In one case I sent the documents just before their deadline. A few days later they notified me the application had been cancelled because they had not received the documents before the deadline. I told them I had sent them. They looked again and were able to find them but then told me because the application had been cancelled I had to apply all over again and I must do it really fast because the foreclosure sale was right around the corner. I sent the new and revised application right away. The whole routine started again, asking for more documents, loosing documents and asking for them again, each time telling me the foreclosure is about to happen if I do n't get them in fast. 
I am now at the supposed final steps again, with the foreclosure set for Monday XXXX XXXX, 2015. Yesterday ( XX/XX/XXXX ) they gave me a new list of documents to update, which I sent to them within an hour except for an updated P & L, which I sent today ( XXXX/XXXX/15 XXXXET ). A call to them informed me the sale was still on for Monday. There seems nothing I can do to appease Capital One. There is equity in my house and I think they are dead set on taking it to sale where they would probably get the house back and sell it for a profit, all while cheating me of my house. 
I was completely current on my payments but because my husband ( only him ) filed bankruptcy to stop a civil lawsuit. My house was my separate property but the bankruptcy court took the house anyway. They collected the payments for a couple of years all while not making any mortgage payments or property taxes, then gave the house back to me. I never missed a payment but yet it is now years behind in payments. I had no choice but to lose the house to foreclosure or apply for a loan mod.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
RE : Capitol One and XXXX ACCT : XXXX On XX/XX/XXXX, my debt consolidation company XXXX made a settlement with these above companies to accept a payment of {$220.00} as payment in full with the remaining {$150.00} to be written off and not collected on. 

However, these above companies are billing me the written off {$150.00} amount and have put this on my credit report as an unpaid debt, which has cause my credit score to fall. 

Plus, the collection company kept calling me at work, which is against the law. 

I received a statement dated XX/XX/2016 advising that I owe {$150.00} and that this debt is valid, which is not true. I tried calling their Customer Service, but was told my debt was settled in full, but that I still owe {$150.00}. 

I want them to send me letter stating I do not owe them any more money since they accepted the settlement/payment from XXXX and DELETE this information off my credit report. 

XXXX NE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i paid my crdit card off and they sent me another bill for money.i sent them the money .now the want more money even after i told them to cancel my card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, I have always enjoyed an excellent credit rating and have worked hard to earn such. 
In XX/XX/XXXX, my bank Capital One, without my knowledge, stopped my auto payments ( EFT ) from my personal bank account, to my Capital One Credit Card, issued by the same institution. I had no knowledge that the payments had been stopped. Neither the bank or my credit card company notified my that my credit card was 60-90 days past due, no phone call or email. It was only when I checked my XXXX and XXXX report, that I noticed that my credit card had been unpaid for 3 months. I have called the bank and credit card company trying to resolve this issue only to get a giant runaround. They have essentially ruined my credit.. I am trying to refinance my home and may lose my property because of this. Can you help me to rectify this problem? Your help is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I requested a Qualified Written Request from Shellpoint Mortgage. I alleged that they change the terms of my fixed rate mortgage ( with no prepayment penalty ) each month I pay more than the minimum payment amount. I allege they are penalizing me when I attempt to pre-pay my mortgage. Normally, every mortgage company I have dealt with ( until Shellpoint XXXX will apply the additional amount to the principal and push the due date for the next payment into the future, effectively shortening my loan. Shellpoint does n't do this. They apply the additional amount to the principal, then the RECALULATE the remaining principal and interest to maintain the original maturity date and require the next month 's payment in full. Their business practice end up making the loan appear younger and they end up collecting more interest than standard industry practices, but me as the consumer have no built in cushion to get ahead in my payments. Shellpoint 's response dated XXXX XXXX, 2015 states they feel my QFR does n't apply to them, that my complaint is n't about their servicing of the loan. They sent the original loan documents from the XXXX mortgage company XXXX as it happens that company did not recalculate my note each month I overpaid ) and restated what I said, with the exception of how they recalculate the loan every time more principal is paid than what is due. I would like to ensure they are NEVER allowed to purchase XXXX my loans in the future, as well as insist they can not recalculate the interest and principal ( amortization schedule ) to maintain the monthly payment amount and say they are n't changing the terms of my fixed rate mortgage when I pay down my principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
These accounts from Credit Control Service showed up on my XXXX credit report for XXXX different accounts and amounts and I never received a letter or notification from them on either.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis failed to mail my XXXX report which is part of their full file disclosure that I requested back in XXXX. 
I have called them about it and they told me they would mail me a copy, but nothing has come.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Cap one quicksilver. Got a new card and my XXXX transaction was declined, the company stating fraud. Was asked to email my drivers license which I did but was not comfortable doing. Can not use card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Money was taken from my escrow on XXXX XXXX for taxes due XXXX XXXX. On XXXX XXXX received notice from city the taxes were not paid. Contacted mortgage company XXXX XXXX was told check was sent. Request proof be sent to city. City never received. On XXXX XXXX money was again taken from my escrow to pay for city taxes. Request the second disbursement taken from my account be returned to escrow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A collection company XXXX is reporting XXXX accounts under collection that are zombie debts. XXXX created a reporting date of XXXX 2015 that is well past the statue of limitations for the collection of the XXXX debts. Additionally those XXXX debts were settled with the original lender through XXXX XXXX who your agency sued. I have sent certified mailing to all XXXX bureaus and the collection company demanding they remove collection from reporting, and to cease and exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Capital One Credit Card with a limit of {$300.00}. After I lost my job in 2009 it became seriously delinquent. I continued to pay when I could and on a couple of occasions, they made an offer that if I paid the over-limit, they would consider the card current. At some point in time, and continuing after the balance was under the credit limit, they restricted the account. I called and was told that even when the account was paid off, they would not lift the restriction. I made the final payment on XXXX and on XXXX they charged a {$3.00} monthly fee with a XXXX minimum interest. I called and was again told that they would not lift the restriction and that I could keep paying the fee, or close the card. I told them that I felt like I was being blackmailed ( extorted would have been a better word ) because if I close the card it will have a negative impact on my credit rating but I am not willing to pay a " membership '' fee, and interest on said fee, if there was no value in it for me, such as a {$300.00} credit limit. Further, I was recently approved for a secured card with Capital One so I made the suggestion that they secure this one and keep it open. They " looked into it '' while I remained on hold and came back and told me there was nothing they could do about it. It sounds like it would have to be illegal for them to charge a fee and not provide a service, i.e. a credit line. They said they would not close the account but I was not allowed to use it. I find this absurd. My XXXX choices, after a long period of trying to recover my credit score, are a ) close the account myself and jeopardize my credit, or b ) pay {$3.00} per month for NOTHING!!!!! Please help. Also, under the " Have you lost money '' section below, I will either lose the ridiculous non-membership ( extortion ) fee each month, or lose A LOT of money by paying higher interest on the car I will be buying in about 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage continuously requests documents for a loan modification after they have been sent multiple times. This tactic has caused an unnecessary delay and ultimately led to my mortgage modification to be canceled due to, " you did not provide us with the documents requested ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: North American Credit Services
State: FL

Complaint narrative:
My actual issue was not listed above, however what happened was that I was sending small payments to XXXX XXXX. That was n't good enough for them so they turned my account over to North American Credit Services. When I finally sent written communication to NACS attempting to have them contact the hospital on my behalf to find out if the hospital was willing to do a " professional courtesy '' or negotiate a payment, NACS completely ignored my request/attempt at communication to resolve the debt through them. I received no answer to my letter whatsoever after requesting the above. The next thing I know. I find that NACS has now turned my account over to an ATTORNEY, XXXX XXXX XXXX XXXX Offices in XXXX, XXXX, acting as a debt collector on their ( NACS ' ) behalf. NACS DID NOT INFORM ME that they would be turning my account over to an attorney for collection even though I tried to get them to answer my letter regarding negotiating payment. Now I 'm expected to pay this attorney {$880.00} on TOP of my existing debt when it would have otherwise been avoided should NACS had treated me FAIRLY and not abused me in this way by denying to respond to my communication. The attorney 's letter states, " Contractual attorney fees, as provided for in your agreement with our client, have been added to the amount owed on this account. '' Well, in NO way, shape or form was I made aware of any agreement that stated such and it is not provided on the copy of the original statement of debt from NACS. I was treated unfairly and feel I am a victim of their oppression where otherwise their cooperation with my attempts at communication would have prevented these additional costs to me, which I feel I legally should not have to pay because I was NOT told about them and have not been previously provided a copy of such " agreement. " Here is a copy of that statute regarding unfair treatment and oppression. 
" XXXX. Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ... '' When NACS refused to assist me by not answering my written communication attempting to resolve my debt, THAT IS oppression and unfair to me. 
On the back of North American Credit Services ' statement, they have printed their policy, if you will, as follows : " Our staff is trained to provide a high level of professional assistance to consumers and we expect each person to be treated with dignity and respect. '' Unfortunately, that is not the way I was treated at all. Please do something about this. I am so stressed out that I ca n't think of anything else but the extra money these people have cost me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
There is a company that reported a recent collection on my credit file which I do not have any collections in 2014. I disputed and requested validation and nothing. Re aging an old debt I thought was against the law? Please help

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 2016-11-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I took out a mortgage loan. The monthly payment was advertised to be a low payment. However, within the first year of the loan, the monthly payments kept increasing until I was not able to afford the payment anymore. The bank has changed several times. The loan has been transferred to several entities as you can see it on the summons and complaint and bank correspondence. I tried to do a loan modification but the bank, previous bank, claimed that my application was incomplete when I sent all the documentation required under the XXXX guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Have attempted to obtain a modification on this mortgage since XX/XX/2016. Submitted multiple sets of documents, but no mod. The home is valued well below mortgage, comps in area are XXXX less. No communication from Shellpoint since 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 2015-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My husband and I have lived in our house for 3 years and we asked Shellpoint Mortgage ( the current lien holder of our house to perform an appraisal, as we wanted to know how much equity we had in the house at current market value so that we can pay the difference to get it up to 20 % so that we no longer have to pay the PMI. The appraisal was done and we were charged XXXX The value of the appraisal was much lower than the amount on which the county was calculating our property taxes, so I asked for them to send me a copy of the appraisal so I could see where the discrepancy was. It took them nearly a month for us to receive this appraisal ( and I had to call several times to request it ). The appraisal finally came and my husband noticed that the square footage on the appraisal was XXXX, which was XXXX square feet lower than the XXXX that is on record with the county, which resulted in a valuation of our home that was {$10000.00} lower than it should have been ( assuming the same value/sq foot that the appraiser was using on the appraisal ). On XXXX XXXX, I called Shellpoint to request that the appraisal be corrected. Since then ( nearly 4 weeks ago ), I have been calling every few days to check on the status of the correction of the appraisal, and it seems things are not moving forward. They have had plenty of time to correct this straightforward error. Please help. Every month that passes that the appraisal is not corrected is costing us {$170.00} in PMI.

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