vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I deposited check number XXXX for {$9600.00} into the above referenced account on XXXX/XXXX/2017. A hold was placed on {$4600.00} immediately, with {$5000.00} depositing into my account however, the check needed to be verified by the maker. Capital One attempted to contact the company I work for, however was unsuccessful and immediately blocked access to my funds by closing my account, and saying the check is fraudulent. I have since attempted several times to get the bank to reinstate my account as the funds have cleared XXXX ' bank account, as verified in the email displayed below. Capital One is holding onto my funds and will not release them. I want reinstatement of my account or open a new account with Capital One 360 ; and as the last resort, send a check to me. These funds are for contract work I do for a XXXX XXXX, XXXX. Included is the check stub for this deposit, the invoices related to deposit and screenshots of my account online. One more note, why would interest still post to my account if it is closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I am being taken to court for default judgment. I disputed the debt and received XXXX statement dated XXXX XXXX with late fees and interest charges. I contacted the attorney handling the case asking for more information such as how was card opened, what transpired as of my dispute filed XXXX XXXX, why the account number was changed, when last purchase made, what was balance prior to late fees and interest, etc. She had no answers and told me to contact the original Capital One. I contacted Capital One and they had no answers and referred me to call XXXX XXXX as they had the file. XXXX XXXX had no answers either as they turned the file over to attorneys in North Dakota. I believe I disputed charges and the debt owed is late fees and interest fees how can I get information pertaining to this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
My ex husband XXXX XXXX has horrible credit, when I left him in XXXX he used my information to open up a business credit card using my information and his business. XXXX XXXX he got incarcerated and I started getting calls from debt collectors at capital one for this credit card. The limit I believe is {$3000.00}. Now this is on my credit as a collection. I reported the card as fraud with Capital One. The response was that since my social security number was correct in the application, then it is not a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have been trying to work out a deal with my bank to sell my house as a short sale. I hired XXXX XXXX with XXXX XXXX to help me with this. XXXX XXXX and XXXX XXXX from his team collected all the paperwork and submitted everything to the bank in the beginning of XXXX. XXXX was calling everyday and being told they could not speak to her because they had n't looked at the paperwork. They finally looked at the paperwork almost 20 days later. Now they are saying they will not accept it and that it is too close to the foreclosure date for me to do anything. I already have a signed contract of someone willing to buy my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am requesting the recordings Capital One holds of ALL conversations that took place between XX/XX/2016 to present. I 'm aware that all Capital One calls are recorded as stated by the Capital One employees, and I 'm requesting said calls due to the failed investigation and fraud that has taken place with Capital One. Please reference complaint submission, [ Case number : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Prizm Financial Company, LLC
State: OH

Complaint narrative:
I recently submitted a complaint about Prizm Financial ( case # XXXX ). I was in the process of trading in the vehicle I had financed through them and they were all set to finance my new vehicle until they saw my complaint. Yes I had late payments because of my health but the agreement was on the table until they saw my complaint. Well since I traded my vehicle and received financing through another lender, they knew they were being paid off and yet they still reported negatively to the credit bureau. What XXXX!! Do not do business with this lender because their tactics are reprehensible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 to XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I got approved for a line of credit with XXXX XXXX for {$1300.00}. I made a purchase of {$2400.00} and the representative who assisted me stated that as a XXXX buyer and card holder we allow you to put it all on store credit. Not XXXX time did she mention that it would cause me to go over my credit limit. I then get my first bill and my minimum payment due was {$1400.00} and I did n't understand why. When I contacted the company that 's when they said I am over my credit limit. This caused my credit score to drop XXXX points. I contacted the representative who helped me back on XXXX/XXXX/15 and she no longer works at the same location and she also lost her position as manager and now is assistant manager because what she did was wrong and it was n't honest and she got in a lot of trouble. I told her everything that happened and she and her manager are disputing this issue. She said she takes full responsibility for her actions and she will provide a letter stating what has happened so I can dispute it to the credit bureaus but I still have n't gotten the letter. 
The credit company raised my limit so I 'm no longer over the credit limit but that still does n't take away the intial hit on my credit and they need to take responsibility of this or do a reversal so it shows I never was over the credit. The company also hit my credit for a late payment even though I was n't late so they waived the late fee but that does n't take away the initial hit on my credit. I 'm waiting to hear back from corporate but no one is assisting me with getting in touch with me and I need to have this resolved before XXXX/XXXX/15 because if it 's not I will return everything so I can fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One mailed me an acceleration letter stating that I fail to pay my note. I pay XXXX every month on the XXXX of every month because that is all I can afford to pay since my company check out checks. I called Capital One on XXXX XXXX explaining the situation and to see if I could get a lower note every month until I was able to pay the full XXXX a month. I explained that I was looking to either refinance my loan for a smaller amount or at least get a little time until my pay raise in XXXX 2016.

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

Complaint narrative:
I was never late in paying my Capital one Auto Finance. The account was on autopay set up through Capital one and that had been the mode of payment since establishing the account. I paid the account off in 2013. I do n't know how they can justify destroying my credit by stating that I was 30 days late, four times for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital one they refused to take this enormous mark off my credit. That account has a zero balance, it was paid off in 2013 and was closed because the loan was paid off. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: LEXISNEXIS
State: NY

Complaint narrative:
Original CFPB complaint XXXX was filed against LexisNexis for refusing to freeze my consumer report. I am a victim of ID theft. 
I received correspondence from LexisNexis in the mail my file was frozen. It however appears LexisNexis used a variation of my last name an ID theft used to apply for credit cards in my name. 
How do I know this file frozen file is in fact my file?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Convergys
State: PA

Complaint narrative:
They call constantly, but now they are texting me saying they are 'on their way, ' like a threat. They, Encore Receivables, did not disclose who they were ( I only know from googling their number ). I have spoken with the original creditor, XXXX XXXX now XXXX XXXX, several times, and have been making payments. Also, XXXX told me that Encore 'would not bother ' me as long as I was working with XXXX, and this was not true. The number I received text from was XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I received a letter from a debt collector that i previously advised that the debt was discharged in bankruptcy. I sent them the case information in the mail. I have since received 2 additional letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My mortgage was charged off by XXXX the lender in XX/XX/XXXX. In XX/XX/XXXX Shell point Mortgage servicing was trying to collect this debt for the XXXX I made a offer to settle the investor accepted the offer and then Shell point notified me of the charge of in XX/XX/XXXX by the investor and disregarded my offer to settle. Now that the debt is charged off by the investor I want the mortgage released by the investor. I have contacted Shell point several times and have now been instructed by them to put the request in writing under ORC 5301.36 the investor must release the mortgage. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: A/R CONCEPTS, INC.
State: IL

Complaint narrative:
I have received past notices in regards to this debt from A R Concepts Inc. I sent a dispute notice in regards to validation but have not received any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
I never received a notice of intent to collect on this debt so i do n't know what it is for. I discovered it on my credit and i have reached out to the complaint on several occasions and i have yet to hear back from them

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 2015-11-12 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: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
I received a letter from a debt collecting agency named Dynamic Recovery Solutions XXXX. XXXX XXXX XXXX, SC XXXX saying that I owe a debt of XXXX and would settle for XXXX. I reached out to the named creditor on the letter and they informed me that there is no such debt. I am also receiving unknown calls from local number that I have not answered but know that they have been calling constantly. I am very concerned that my information has be phished by this corporation and an act of fraud is being attempted in order to receive funds from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA

Complaint narrative:
on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Radius Global Solutions LLC
State: OR

Complaint narrative:
My wife attended a XXXX and still has some debt we have been paying on. Recently a third party contacted us requesting a payment plan or a settlement in full. Finding this kind of fishy we contacted her school loan company ( XXXX ) they informed us the debt had not been transferred to another company. Knowing it was a scam I assumed they would leave us alone. They have now emailed documents to prove there legitimacy which is joke as the debt and names on the paperwork is not accurate. I am hoping to stop these guys from hurting anyone else that might fall prey to their scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Risecredit, LLC
State: OH

Complaint narrative:
I viewed my credit report and find a lender " Rise '' on my report. My identity was compromised through XXXX. All Clear ( credit protection ) called to let me know " Rise '' was inquiring about my credit. I called " Rise '' and they said they are an on line company from Texas. I did not apply for a loan. The loan was denied due to some information not measuring up. This is a Hard Inquiry on my credit. I need to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
My wife and I have made every single mortgage payment for 11 years, XX/XX/XXXX OCWEN increased our escrow amount without notification and the payment we made was short when we were notified by phone the second payment was short we have since corrected the issue and in fact was issued an escrow refund. Now after looking into the purchase of another home we find that our credit report shows 3 late pays. I have contacted OCWEN on three different occasions and they stated they would remove this from our credit report and still as of today XXXX XXXX, 2016 it is still on our credit report. This has negatively impacted our ability to refinance and get away from this predatory lender and now I am asking for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: NM

Complaint narrative:
Payment is processed the day before due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN INTERNET MORTGAGE
State: MN

Complaint narrative:
AimLoan.com is quoting ultra low rates that do not quote ARM or any other of the required verbaige From : AimLoan.com XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Wednesday, XXXX XXXX, 2016 XXXX XXXX Subject : AimLoan.com Rate Watch Notification This is your mortgage rate update from AimLoan.com. These interest rates are accurate as of XXXX XXXX, 2016. 
30-Year Fixed Rate 3.625 % with XXXX guaranteed points and {$0.00} lender credit 3.75 % with XXXX guaranteed points and {$0.00} lender credit 3.875 % with XXXX guaranteed points and {$660.00} lender credit 4.0 % with XXXX guaranteed points and {$2900.00} lender credit 4.125 % with XXXX guaranteed points and {$5000.00} lender credit 4.25 % with XXXX guaranteed points and {$5200.00} lender credit 20-Year Fixed Rate 3.25 % with XXXX guaranteed points and {$0.00} lender credit 3.375 % with XXXX guaranteed points and {$0.00} lender credit 3.5 % with XXXX guaranteed points and {$0.00} lender credit 3.625 % with XXXX guaranteed points and {$930.00} lender credit 3.75 % with XXXX guaranteed points and {$2500.00} lender credit 3.875 % with XXXX guaranteed points and {$4000.00} lender credit 4.0 % with XXXX guaranteed points and {$5200.00} lender credit 15-Year Fixed Rate 2.75 % with XXXX guaranteed points and {$0.00} lender credit 2.875 % with XXXX guaranteed points and {$0.00} lender credit 3.0 % with XXXX guaranteed points and {$0.00} lender credit 3.125 % with XXXX guaranteed points and {$1000.00} lender credit 3.25 % with XXXX guaranteed points and {$3300.00} lender credit 3.375 % with XXXX guaranteed points and {$4800.00} lender 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 2015-05-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: LA

Complaint narrative:
Was called many times and threatened that they were going to call my employer and take me to Court if I did resolve this matter over the phone. That went on for five months, now they have sent me a letter Saying I have XXXX days to respond.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I received an email from Hyundai Motor Finance regarding a special promotion for loyal customers. The deal was for 0 % for 66 months plus a cash bonus. I went to the dealership XXXX Hyundai in XXXX. I showed the dealer the email I received and asked to see some vehicles. The dealer was not trying to honor the deal I was sent. The dealer also ran my credit 5-6 times through other banks without my permission. I called Hyundai Motor Finance Headquarters to complain and was told they will " attempt '' to reach out to the dealer but it is nothing they can do it would be up to the dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I had sent Kia Financial information about my account and a bank mistake as they reported me late. After sending information to Kia, now they show me as being 2 month late

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Critical Resolution Mediation LLC
State: PA

Complaint narrative:
A voice recorded message keeps calling my number stating that they have contacted me numerous times both verbally and written to tell me of a debt I owe. The woman who leaves her name calls herself XXXX XXXX. She threatens that if I do not call back then the company will be forced to take further measures to collect this debt. I do not know who this company is or why they are continuously calling my phone again and again and again at all hours of the day and night.

Company response to consumer: Closed
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I do n't have any business with Kia Motors finance or Hyundai Motors Finance XXXX. They are calling me on what is almost everyday trying to collect. I have told them repeatedly to STOP and REMOVE me, they have the wrong person. They are continuing to harass and threaten me with their bullying. This needs to STOP. they have the WRONG person and the WRONG number! disgusting what these XXXX companies can do to people

Company response to consumer: Closed with explanation