vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I applied for a loan, I was told that I would get a 7.5 % interest refinance loan after all me person information was submitted at the last min. I was told that they could only do a 11.5 % interest Loan, The appraisal price was inflated, Loan to income ratio was ignored. I was told to discontinue my current loan payments because it would throw off the numbersand Other predatory 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 2017-02-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I had my loan with XXXX and then XXXX XXXX XXXX. We paid a large sum of money in Modification trial payments. The proofs of payments have been submitted in CFPB complaint # XXXX. This complaint is about the new Servicer Shellpoint Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RGS Financial, Inc.
State: NY

Complaint narrative:
RGS Financial are calling me nonstop to collect on a debt that i do not recall having with this company.I demand that they cease and desist all attempts to collect the debt.

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 2016-05-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
I file an affidavit with Federal Trade and Commission the reference number is XXXX, I also file a Police Report with all the list of the accounts involve with the Identity Theft. I am having a hard time in dealing with JH PORTFOLIO DEBT EQUITIES , LLC even thought the account was open back in 2008 but such account was hacked and I am not agree with Balances this account has that are not mine hackers make so much damage to anyone involve on this Identity theft issues I am Requesting Clearly to JF PORTFOLIO TO REMOVE/DELETE this account I am not responsible of what they are claiming to be mine. I hired XXXX to help me but JH PORTFOLIO continues reluctant ignoring the facts of what being a victim of identity theft means. I need your help to refer me with any other Government Agency to enforce what the law states about Consumers who are victims of Identity Theft. or may be you can help me. I am NOT agree at all with JH Portfolio with their procedures about how they review and deem this account to be validated, Confirming my Address and my Name, signatures, etc ... does n't mean I can not be immune to be a Victim of hackers utilizing my name to commit fraud/scam utilizing my name pretending I am the one who is doing whatever they are doing. This is the point that XXXX Portfolio do NOT understand and where I need help for someone to explain them what a Victim of Identity is about. Thanks.

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 2015-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have applied for all Homeowner 's assistance programs that my lender has to offer. I previously was denied for a modification. The lender used the incorrect income amount. I am currently in escalations review and I have submitted supporting income documentation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: NY

Complaint narrative:
After receiving a call for the first time, was told they called me 96 times however never sent me anything by mail so it was the first time I was hearing no messages on voicemail nothing. I was asked for my banking info to pay the debt, I refused and asked for documentation of this debt to make a settlement or payment arrangement. I was told I would receive it that day two weeks went by and nothing. Today I received another call the caller was intimidating and threatening to take action and judgement against me and he could n't send me anything because the law did not allow. I know this to not be true as I have settled a few account with collection agencies. I demanded to speak to a manager who then told me he could email me something pertaining to arrangements I would like to make to pay this debt off, but as soon as I received it there is no letterhead, no signature name. This just seems really odd and suspicious to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 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: The CMI Group, Inc.
State: MO

Complaint narrative:
I ended my business with my wifi provider previous to moving to my new address. I was told that it would cost quite a bit to have their employee come to my apartment to pick it up but I had the option of mailing it in myself. I bubble wrapped it in perfect condition and sent it to the instructed address. It was returned with the explanation that no one ever showed up to the business to receive the package. I called the company that claimed they did n't have that branch 's number. They only do face to face business. What? So I had to call the post office and it was a big mess because I 'd paid to have it sent and no one would show up. I ended up getting it sent back to me. I complained to the XXXX and then a rep from XXXX contacted me through email, which I 've kept. She said she 'd send me a box with the address and I 'd just have to put the router or modem ... whatever that machine was, back in the box and put the sticker on it and send it in. I did. I have since received XXXX more bills for {$120.00} on a router I DO N'T HAVE. This last one is commanding me to " CONTACT US NOW. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CLX Systems/ Westwood Management
State: MN

Complaint narrative:
This debt collector called and was threatening, asking me repeatedly if I intended to pay a debt I know I did not incur with an Orthodontist? I have never been to an orthodontist. I told the debt collector I needed validation of the debt and he told me " blah blah blah - whatever are you paying this or not!!!!!!!!!!!!!!! '' I told him no and that he had no authority to call and threaten me at my place of employment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I called on XXXX XXXX, 2016 I called Capital One Bank to place a stop payment, they put the stop payment in and charged me a {$35.00} stop payment fee for XXXX XXXX in the amount of {$140.00}. When I check my account on XXXX XXXX, 2016 I saw that the transaction was pending in my account, I spoke with a manager by the name of XXXX who assured me that the transaction will reject at processing and my funds will be available in the morning. When I checked my account on XXXX XXXX, 2016 the transaction posted to the account and I was charged a {$35.00} overdraft fee. I called and spoke with a manager and she told me that the transaction had to post and that the funds will be available Tuesday because of the holiday. I explained to her that I was told something different. I hung the phone up called back and spoke with a manager by the name of XXXX who told me that the transaction should have stopped and I have to speak with someone in claims to file a claim. She then transferred me to claims and I spoke with XXXX who told me that it would take 10 business days for the money to go back in my account after they complete their investigation. I explained to her that, that was unacceptable I had no money and I should not be inconvenienced because Capital one made an error, I then spoke with her Supervisor who in turn said that I would have to wait 10 business days. I then asked for the number to the office and he got me back over to XXXX who said that she took down my information but it was nothing they could do about getting my funds back sooner. This is the second time that this has happened with Capital one Bank, it 's the holiday weekend and I have no money due to there negligence and they wo n't do nothing to correct their mistake. The customer has suffer and be penalized for Capital One Bank 's error

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I accidentally purchased the wrong hotel rooms for a trip to XXXX. As soon as I made the mistake, I called my credit card company to see if they could cancel my transaction bc the hotel does not have an international number to call. I was assured that the transaction would not go through because it would cause my credit card balance to exceed the limit. The next day, the credit card transaction processed and I was allowed to exceed the limit. I have not previously been allowed to exceed my limit which is one of my favorite things about this credit card. When I called to ask why they said I had signed up to allow for the card to exceed its limit ( not sure when I did that ... ) and I would be responsible for the extra hotel rooms. I also reached out by email to try to correct the mistake but they have a no cancellation policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint against Capital One because I they are misapplying my payments toward balances with lower interest APR 's out of complaince with federal rules and their own stated policies. 

I paid {$140.00} on XXXX XXXX, 2016 to Capital One. This payment included {$68.00} to cover the minimum payment for a balance carrying an interest APR of 15.15 % ( The minimum payment was due on XXXX XXXX ). The additional {$76.00} was supposed to pay off a {$75.00} balance that was carrying an interest APR of 25.15 %. 

Unfortunately, the next billing cycle ( minimum payment due on XXXX XXXX ) showed that I was still carrying a balance of {$42.00} at the 25.15 % interest rate. 

I would appreciate if you department would look into this. According to the FAQ on the back of the Capital One billing statement, it states the following : How do you Apply My Payment? We generally apply payments up to your Minimum Payment first to the balance with the lowest APR ( including 0 % APR ), and then to balances with higher APRs. We apply any part of your payment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX is calling me after I have requested that do not contact me via a letter i sent which the rep says they didnt receive which i know is false because they sent me a letter responding to the letter i sent verifying an account that they verified with insufficient proof via a statement which doesnt proof anything I want all contact ceased! and I want the account removed from my credit report! since it has not been properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened account with Capital One for credit card then was closed six years ago. a fraud occur to my account last year and Capital One have reported delinquency on my account bringing my credit score to a very low score preventing me from getting loan to purchase a home. Capital One claiming it is a mistake and will be resolved waiting 60 to 90 days. This delay will cause me losing my deposit for {$48000.00} with the home owner. Your help is appreciated to resolve such issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: FL

Complaint narrative:
This is a rental collection for a lease on an apt i had with my husband we were both lease holders, the collection agency was initially reporting the full judgement amount of {$3900.00} + some {$400.00} in interest ( not mentioned in court ruling ) as an individual responsibility which is outright incorrect. 

I started a negotiation with them and they told me that my part of the {$4300.00} was {$1900.00} ( they took off the bogus interest and my husband 's responsibility amount ) so i negotiated that amount down to {$1500.00} with the condition that the account be reported to credit bureaus as deleted and even received a letter from them in writing acknowledging that. 

I did my part and paid the amount in XXXX and contacted them to confirm, and they confirmed to me that the account will be deleted on XXXX. At the end of XXXX i received a letter from them saying that my part of the account is paid in full and that it will be reported with the appropriate paid status, so i called them again to confirm that it 'll be reported as 'deleted ' and not just 'paid ' and they confirmed that to me again. 

Now due to the fact that no building will approve a leasing application with a rental collection on my file, i had to rent a sublet where i live an work in XXXX which is extremely expensive now during tourism season but i had no choice and I am currently approaching the end of that short term lease and with the thought that the item was reported deleted i submitted a rental application that is currently pending that i 'm sure to lose, because not only did they not report it as deleted, or even paid, it is still being reported as unpaid with the full amount again minus what i paid them. 

I have called them over 5 times and each person i spoke with confirmed to me that they reported it to XXXX and XXXX as deleted and they even claimed that after that only the credit reporting agency can delete an account, so i contacted XXXX and managed to get to a helpful person that confirmed % 100 to me that the account was never reported deleted or paid AT ALL, and the collection agency is being unresponsive and today i ca n't reach anyone there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit card got unauthorized use about {$1800.00} on XXXX/XXXX/16 and I found it by myself at the end of XXXX. It looked a typical fraud case through non existing website and described as I spend purchasing a service, not products. Normally, this kind of suspicious spending is found by credit card company by monitoring my usage but they did not. I called the credit card company to dispute the amount and once they credited the amount. But after a month later, they reapplied the amount to me after their investigation. I do n't understand the result. Because initial purchasing was done in Florida and credit card transaction was done though a processing company in XXXX XXXX. They gave me a report to show purchasing IP address but it was not mine and even not in XXXX XXXX where I live/work in. A couple of days later from I received the report from the credit card company, I received a letter from XXXX, a computer company. I have purchased a tablet through their official online shop. They said that they had been hacked ( attacked ) by a third party and lost customers information including credit card numbers, addresses names etc. I used that credit card to purchase and the date of purchase was impact exactly XXXX got attacked. I have written a letter to explain the situation to the credit card company attached XXXX letter and asked again to dispute the amount they reapplied. It has been more than a month but the credit card company does not reply me and they keep quiet but putting the amount on my account with APR. I have paid the amount I spent but I have not paid the amount unauthorized use because it is not my responsibility. I am 100 % innocent, I have never used that big amount though internet. Now I have no idea what I should do and who I can ask to help or resolve this problem. I really need your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Breach of Contract 1. I was approved for a HAMP Tier 1 Home Loan Modification back in XXXX XXXX, I followed all instructions as given to me. I signed and returned via fax the modification agreement that was supposed to be finalized. Ocwen did not fulfill their obligation under this agreement and I was rejected from the program due to no fault of my own. 
2. Ocwen alleges that they sent notification to me via certified mail but I did not receive the correspondence. The letter was notification that they needed proof that my home address was in fact my primary residence. 
3. I received a copy of this letter from Ocwen only in response to my initial " letter of complaint '' to the Georgia Office of the Attorney General 's office back in XXXX XXXX. The letter did have a United States Postal Service tracking number as reference of their attempt to deliver said notice. 
4. I tried to use the tracking number to see what results I would get and due to the lapse in time my results were limited. I contacted my local Post Office that would have made the attempt to deliver this notice and discovered some shocking results. 
5. Ocwen sent the letter from themselves to themselves therefore never being delivered to me. I have enclosed a copy of the letter as well as the tracking results I received from my local post office. This action by Ocwen is what has caused me to be rejected from the HAMP Tier 1 Home Loan Modification Program not any actions by me. Now Ocwen is once again attempting to foreclose on my property and the sale date is scheduled for XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XXXX XXXX my wallet was stolen with my USAA and XXXX XXXX debit cards. In that wallet was my online credentials along with my pin. On XXXX XXXX I reported my wallet stolen because It was counterfeit checks deposited into both my separate bank accounts and money withdrew. XXXX XXXX investigated the situation on there end and found that I was not liable and my funds were returned. On the USAA side my luck has not been the same. I have been struggling for anybody on USAA to contact me on my investiagtion. Nobody can ever give me an answer. I have been on hold as long as two hours. Any contact that has been made has been because I made it. When the funds were withdrew I was left with a balance of ( XXXX ) that they are trying to make me pay. I refuse to pay balance, ESPECIALLY that I have not created, nor been told why I am being held responsible. Mind you this situation has been on going 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 2016-01-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have had a Home Equity Line of Credit with the Capital One Bank for 10 years. I have never missed a payment and was never late in 10 years. ( I have been with the bank for 31 years, have XXXX accounts and XXXX credit cards with them. ) The maturity date was coming up in XX/XX/XXXX and I was told to get into the bank to refinance the loan before the maturity date and give me an extension on the loan while I was in the refinance process with them. I did get in before the date and started the loan process. I requested the extension and the loan officer said we just needed to hurry up. I asked if there was an extension given several times. She said do n't worry about it, we 'll get it done. 
During the loan process I continued to make my payments on the loan as usual. To my shock the payments I made on the loan were accepted and then the bank returned the money to my checking account. What? The bank employees did n't seem that was so bad because we were in the process of a refi on that loan. 
I spoke with the extension department and was told I should have come in 4 days earlier or 2 weeks and I could have gotten an extension. 
To fast forward a bit, the bank says they will report non-payments to the Credit Bureau that I did not pay my loan and am 2 months late. Are you kidding? I have n't been late or missed in 10 years on that loan!!!! 
I called the corporate offices of this bank and was given no consideration for loyalty or good payment history. They were rude and told me I should have come in a month earlier. Yet, I did come in before the maturity date, that was the defining time. Now I find out that the time difference was only for their convenience, to collect some data that I know you can get in 1 or 2 days. And nothing has to do with me as a good customer. 
I have good credit and have no bad things on my credit. Now they are claiming they are going to report me as late on my loan and I have never missed a payment through the life of the loan. In addition I paid while in the refinance process. And have proof of this. This whole handling of this event is so unfair and absurd! Everyone I tell this to can not believe it. 
What can I do to not let this happen to my good credit that I 've worked so hard for? Please let me know how to handle this. 
PS i was misled and taken advantage of by the bank officer which is another story on its own.

Company response to consumer: Closed with explanation