vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My vehicle was re-possessed without ANY prior communication. 

My information with CapitalOne has been the same since the day my loan originated ; phone number, and email, my address changed a year ago but I made sure they had everything correct. I had fallen behind on payments but called and was told that because I am once again employed and can make extra payments I was " fine. " " Fine '' apparently means " just kidding, we 're coming for your car. " I received no phone calls, no emails, no letters prior to my car being taken. This is a direct violation of my consumer rights. Additionally, the repo company that took possession of my car ransacked my belongings as well as the interior of the vehicle, they made me sign a form saying everything was returned to me in good condition before I was allowed to see any of it or enter my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2016, I noticed that Capital one had charged me a {$39.00} annual fee. I knew that I would never willingly sign up for a card that carried a fee like this. I called and complained and they eventual removed the XXXX fee. 
However, going back in the account I realized I had been charged this fee for the previous 9 years. I called Capital One and requested a copy of my original card member agreement. They promised to mail it to me. It never came. Then I called again. They again promised to mail it to me and stated they had mailed it to about a week prior to that call. Again I waited about about three weeks and nothing ever came so I called again and asked for a supervisor. The asserted that they had mailed it to me on XXXX XXXX. However, they also said they would mail it and fax it to me. It is now XXXX XXXX and I have never received anything. This process started XX/XX/2016. I feel that they do not want to provide it to me or can not provide it to me. As a result I can not show that I was overcharged {$350.00} during the past 9 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX XXXX a statement was sent from Capital One that clearly stated I had several options to pay. I picked interest only. It was later determined they made a mistake ( but up to this time they have never admitted it ) They did not apply the amount I sent instead put me delinquent and have since, done nothing but harass me for their error. The loan is adjusted every year and I now pay an amount that will pay the loan off in the time required. I have proof positive that every payment has been paid and on time. By the way, I have never been late on my mortgage payment in my whole life of home ownership including with Capital One. They are now demanding funds that far exceed the amount I owe and have threatened foreclosure if I do n't pay by XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Somebody took out my money {$9700.00} from my business bank last week XXXX/XXXX/2016 without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
There was a hard inquiry on XXXX XXXX, 2015 from Capital One Bank that was not initiated or authorized by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Acceptance Inc.
State: GA

Complaint narrative:
The debt collector repeatedly reopens my account and claims I have excessive missed payments. 
The claims far go beyond my possession of their tangible property that was sold at auction subsequent to my repossession to them. 
The debt collector also has not given me any proof that it was sold for a lessor amount than the debt originally owed and I have proof of such sale intent letter. I only had the tangible property 6 weeks after contract was made and the tangible property was repossessed. 
I think this company is using unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been back charged from capital one credit card services. My credit card limit was XXXX and now it is reflecting a XXXX over limit charge

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 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: CA

Complaint narrative:
Credit Management LP is a fraudulent company operating in TX that attempts to collect on non-existent XXXX XXXX XXXX payments. I complained about this to the XXXX and Credit Management responded that they would cease all collection activity and request that all XXXX major credit bureaus remove any mentioned of their fraudulent claims. However, Credit Management LP has failed to follow up and each credit bureau report still displays a negative unpaid account balance. This continues to hurt my credit score. Frankly, I should not have to spend time reaching out to each credit bureau to correct this. Lastly, I have a {$0.00} balance with XXXX XXXX XXXX and have had a {$0.00} balance since I ended service with them over two years ago.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have credit cards with Capitol One. I pay my payments sometimes on the day they are due. Often when I pay the payments on the agreed upon date, I STILL get changed a late fee due to me being on Pacific Standard Time and they being on Eastern Standard Time. I was told by Capitol One when I complained, '' Well we actually changed the time from XXXX EST to XXXX EST because we were getting so many complaints. '' HOW can they charge people a late fee when the payment is made before XXXX on the date it is due? This to me is extortion and should be illegal. If you run a national company you should be adapted to ALL the time zones..not the one your company happens to be headquartered in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX, XXXX Complaint against Capital One Bank On XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX a person named XXXX from XXXX repeatedly called me numerous times from no reason. This person just want to harass me. He left several harassing voice mail which I did NOT answer. On XXXX XXXX, XXXX I answered this person regarding the stolen funds at Capital One bank since XXXX XXXX, XXXX and XXXX XXXX, XXXX by a theft XXXX XXXX. I clearly told this person named XXXX representing Capital One Bank to return my stolen funds including the following terms and conditions : Acct : # XXXX Date of lost funds : XXXX XXXX, XXXX & XXXX XXXX, XXXX Amount : {$79000.00} Interest Charge : 20 % based on the lost principle Late fee : {$100.00} per month Collection Cost : {$150.00} for XXXX times branch visit Time to Spend to Collect : XXXX hours at {$200.00} per hour Total {$2800.00} Pain & Suffering : XXXX I also complained to this person that my deposit was NOT safe at all. I further told him that I brought this theft matter to the US Court House and I will NOT let this theft matter go because I sent numerous times written complaints to this bank and visited at least XXXX times local branch to collect the stolen funds. However this bank totally ignore my request by stating " it is n't possible to resolve this matter through secured message channel ''. As customer, the correct channel is to contacting customer service by secured message plus I did file fraud claim with bank since XXXX XXXX. My position never change to collect this stolen funds as this bank can not release my money to a theft and stranger XXXX XXXX who was NEVER authorized on my behalf to do anything. Once again, I do NOT know XXXX XXXX. I never authorized her to do anything nor I hired her to do anything. Therefore she has NO any reason to steal funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: General Credit Service Inc.
State: OR

Complaint narrative:
There is XXXX judgements on my credit report which have been paid in full. This judgement was paid in full a little over a month ago and is still not showing the judgement released, but again the company itself is showing account paid in full. This is preventing me from obtaining a home loan and I have asked the companies personally to take care of this issue previously. I was told that I needed to dispute with on my credit report and I have done that twice now and the judgements are still not showing released. I have took the time and taken care of this debt and I would appreciate the companies compliance in regards to releasing the judgements on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
Had physical therapy at XXXX in XXXX and XXXX 2015. I entered into a payment arrangement with them although I paid my {$20.00} co-pay each time. My Blue Cross insurance has a {$750.00} deductible. XXXX XXXX contacted me several times with an amount of {$980.00} amount owed. I repeatedly told them I have a {$750.00} deductible and that can not be right. I asked them to check with Blue Cross. They refused every time. I contacted Blue Cross and was told that my deductible had been met and they should send the amount to them. I repeatedly told this to XXXX XXXX and Bonneville but they refused to listen or take action. They are demanding {$980.00}. 
My son ( XXXX years old ) also did physical therapy with them. They have been demanding {$660.00} from both me and him even though his {$750.00} deductible was more than met when he had surgery on his XXXX. The worst part is that my credit report shows a derogatory balance of both my son 's {$660.00} and my {$980.00}. First, I am not responsible for my son 's debt as he is over XXXX years old. It should not be on my credit report. Also, there should not be an amount owing for my son as his deductible was met and he paid his co-pay each time. I have contacted Blue Cross. They said I should not owe anything to XXXX XXXX Physical Therapy because I met my {$750.00} deductible also. Bonneville Collections has put XXXX things on my credit report that should not be there. It has hurt my ability to get credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: NE

Complaint narrative:
The loan servicing of my mortgage was transferred to Shellpoint Mortgage Servicing. A letter from Shellpoint dated XXXX/XXXX/15 said that effective XXXX/XXXX/15 Shellpoint was responsible for ongoing administration of my loan including receipt and processing of my mortgage payment. I called on XXXX/XXXX/15 at XXXX CST and spoke and emailed a copy of the " boarding '' letter to XXXX XXXX XXXX XXXX XXXX XXXX I attempted to make a mortgage payment and was told they have no record of the new loan even though he agreed they sent the letter. He told me to keep calling back until the loan is loaded onto their system. They have no system in place to call me back or allow me to speak to anyone further at this point. 

I have another loan with Shellpoint that they have serviced for some time. They kept confusing that loan with the recent loan transferred to them. In short there is no accountability. XXXX XXXX had no way to speak to their loan servicing department or the department that was " boarding '' the loan that was just transferred to them.

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 servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My lender, New Penn Financial LLC / Shellpoint placed forced insurance coverage on my property improperly. I have maintained insurance coverage for my condo ( XXXX and exterior building policies ) for the duration of my ownership beginning in XXXX XXXX. 

The lender placed coverage on XXXX XXXX, XXXX for a period dating back to XX/XX/XXXX. I did not receive any formal notice of them placing coverage. Upon discovering the amount on my monthly statement of {$1100.00} as an escrow balance, I contacted them and provided sufficient information of coverage, which led to a partial refund. Over the past year I have tried several attempts to get them to refund the full amount for the coverage period they specified. I have been given various email addresses and fax numbers by various customer service representatives, and none of that has resulted in the full refund being issued. Again, I have sufficient coverage for the time period they reference and have submitted it to them several times to no avail. 

To summarize, they force placed coverage when I had existing coverage for a backdated period, did not request any proof of insurance from me prior to doing so, and did not provide any notice in writing that coverage would be placed. They have thus far refused to issue the rest of my refund. My latest attempt to resolve this issue was by phone on XXXX XXXX, XXXX in which a customer service representative assured me that she had spoken to an " insurance department member '' and they assured me that it would be refunded. When I asked for a specific name and title of the " insurance member '', for future reference which she refused to provide. The representative would only state that any member of the insurance department could help me in the future, and that it would in fact be refunded. 

I am strongly considering legal action at this point, and would very much like your assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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: The CMI Group, Inc.
State: TX

Complaint narrative:
CMI group failed to notify me of a supposed collection account placed on my credit report ( no mail sent to my current address and no phone call ). Furthermore, I disputed this information with XXXX, which failed to remove the collection. I contacted XXXX, which could not tell me anything more than CMI had verified the information, but no valid documents support this claim. I have not received any debt validation, nor did I receive noticed as required under the Fair Credit Reporting Act. Further, I did not receive any communication from the alleged original creditor, so I can not verify the information reported on my credit report. The information on my credit report reflects that the account was referred to collections XX/XX/XXXX ; however, the collection appeared on my credit report in XX/XX/XXXX - 5 years later! - with no notification. The information being reported in a name that does not match one previously given, nor does it match my social security card.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hi, I need help ; we were given a XXXX neg. mort. Loan, XXXX XXXX XXXX bought the loan and sold to a trustee of Bank XXXX. We have been trying to get a modification since XXXX, in XXXX we retained lawyers and Bank XXXX still refused to modify us. On advice of lawyers we stopped our payments and consolidated our debt. Recently Shellpoint Servicing took over for Bank XXXX XXXX. We agreed to short sale our home, because Shellpoint would n't modify us either. We have a legal agreement with Shellpoint that we could short sale our home as long as we had an offer in my XXXX XXXX, XXXX. We had our property on the market for two months and gave Shellpoint the highest offer on XXXX XXXX, XXXX. Shellpoint just got back to us today XXXX demanding {$200000.00} more for the home. If Shellpoint does n't agree to this short sale, we will be foreclosed on and not be able to buy another home for up to 5 yrs. 
Is there anything you can do to assist us in pushing Shellpoint into doing the short sale? Short selling our home is better than foreclosing and we have been trying for 7 years to save our home. They did n't want to help us, so now they do n't want to short sale us and honor their agreement. We are with Shellpoint Mortgage Servicing, account number XXXX. The property address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX 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 2016-05-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I am offered a Modification with very little information other then a Trial Payment of {$2700.00} from SHELLPOINT MORTGAGE SERVICING- The Contact agent will not give me the interest rate or the MORTGAGE AMOUNT- this is the third time and I am not going to pay {$8300.00} to fined out in XXXX to XXXX that a TON of Money is added to back end of the new NOTE-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC
State: SC

Complaint narrative:
The debt was removed due to Identity theft with XXXX XXXX. XXXX XXXX sold the debt to JH Portfolio Debt Equi. My social security number was stolen when I was homeless and XXXX.

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 2015-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergys
State: NM

Complaint narrative:
The number listed above is my work number, I receive XXXX calls a day from this company, 7 days a week ; they do not leave a message. They also call my cell phone, XXXX, XXXX times a day. The calls start about XXXX XXXX and end around XXXX XXXX. They never leave a message. I called the number from my cell once and got a person with a heavy accent that was difficult to understand. They wanted my information to verify who I was but would not tell me their name or their company name until I gave them my personal information and I would not do that. I XXXX and found that the number they are calling from belongs to XXXX XXXX XXXX and found that they have several locations. I am going through a difficult time and behind with many of my payments because of medical reasons but I am looking into alternative solutions to try and get myself back on track with my payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
Reporting erroneously/ incorrectly/ inaccurately with Credit Reporting Agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
My account with XXXX went to collections, and in XXXX, she settled the debt with Credence Resource Management. We have begun receiving additional calls from different collections agencies alleging that there is a remaining amount of the debt that needs to be paid, which is false. We have contacted XXXX who advised that they received no information regarding the settlement with Credence. A manager with Credence, XXXX XXXX, advised today that " we are not the only people calling regarding this issue with XXXX ''.

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 2015-10-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Hameroff Law Group, P.C.
State: UT

Complaint narrative:
A letter for debt collection was sent to me from the Hameroff law offices dated XX/XX/XXXX. In response, I mailed a letter ( certified ), dated XX/XX/XXXX, in which I requested not to be contacted about this debt any further. The statute of limitations for legal action on this account has passed. I have not made any payments on this debt since at least XX/XX/XXXX. In this letter, I stated : " Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. " I received another collections letter from them dated XX/XX/XXXX. Nowhere on this notice does it say anything their confirmation of my request.

Company response to consumer: Closed