vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/2008, my wife and I purchased a new home. We got a 5/1 ARM from ING. WHat made this mortgage unique, was that it had a rate renewal program attached. The way the rate renewal program worked is that if at any time over the course of the mortgage we wanted to lock in the current rate for another 5 years, rather than refinancing our mortgage, for a fee equivalent to our currently monthly mortgage payment, we could " renew '' our interest rate to the new rate for 5 years, and in exchange we would have a 1 yr pre payment penalty from the time we locked in the new rate. 

So for instance lets say when we first got our mortgage we were paying 5.25 %, and our monthly payment was {$1000.00}. And then in year 2, we saw that ING was advertising their 5/1 ARMS at 4.5 %. For {$1000.00} fee, we could switch from paying a 5,25 % fee for the next 3 years, to paying 4.5 % for the next 5 years. This way we could avoid all of the other associated refinancing costs, and if we had 28 years left to our mortgage, we 'd still have 28 years left. 

ING was purchased by Capital One. Recently we saw Capital One advertising their 5/1 ARMS refinance rates at 3.5 % We wanted to renew our rate at that 3.5 %. But when we went to renew, they said our rate would be 3.75 %. We asked why. 3.5 % was clearly the advertised rate. In fact they said if we wanted to go through the entire refinance process, we could get the 3.5 % rate as advertised. Their response was that they had a separate rate they were using for the rate renewal, and the available rate is only available when you log into your account. 

I tried to explain to them that by only offering a rate that was .25 % greater than thier advertised rate, they were effectively charging me an additional fee. As part of the rate renewal program, the only fee I should have to pay, is XXXX month 's mortgage which for me is about {$800.00}. The difference between paying 3.5 % over 5 years or 3.75 % over 5 years would be an additional {$2000.00}. Using their logic that they could have a separate rate for people in the rate renewal program ( this program is no longer offered ), they could effectively make the rate so high, that no one could ever use that option. 

I signed up for this mortgage, because I never wanted to have to pay refinance fees again, or go through all the paper work. When ING was still around, I never had a problem getting the advertised rate. Capital One bought ING, they bought the mortgages, and they should be required to honor all of the provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I decided to open a new checking account after receiving a promotional mailer from Capital One 360 Bank offering a free {$400.00} ( promo code = XXXX ) for customers that open a new checking account before XX/XX/XXXX and receive XXXX direct deposits of {$250.00} or more within the first 60 days. I called Capital One and spoke with a representative the same day because I pon completion, there was no direct mention of the promotion. The customer service rep told me the promotional mailer would be honored after I filled the requirements and instructed me to call them back. I went ahead and setup my salary payments for deposit into my new Capital One checking but when I called them back I was told that I only qualify for a free {$100.00}. I told them that I did n't want to open a new account and go through the hassle of changing my direct deposit information unless I was going to receive the free {$400.00} and I feel like I was intentionally deceived with only the bank 's best interest in mind. I think Capital One 360 Bank should honor the free {$400.00} promotion that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had credit card insurance with Capital One on the Capital-One credit card that they are not honoring in the event of my past job layoff. I 've submitted disputes to credit reports and even submitted a letter to Capital One asking them why they are not honoring the card insurance that they offered for their cards. I had to pay a per monthly fee for that card ( at that time ) and submitted all original paperwork ( at that time, which I no longer have in my possession ) to Capital One, Capital One/Dominion Law " claim '' no one can find the original contract, well ; why am I still being held liable if they can not find the original paper ( not digitally altered ) contract that had my signature requesting with that additional check mark that I 've applied for card insurance to keep myself protected?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Saturday, XXXX XXXX I received an email from at Capital One Bank with the subject " Here 's the code you requested ". I called the number provided in the email. The woman said, " It was sent to all customers for security purposes. You 'll need a code the next time you log on ''. On Monday XXXX XXXX at XXXX I received an email with subject, " XXXX XXXX was added to your account ". Then at XXXX I received an email saying, " Your email was successfully changed ''. At XXXX another email saying, " XXXX XXXX was added to your account ". I called immediately only to be put on hold for a significant amount of time. The woman told me someone had changed the email to XXXXXXXXXXXX, which I did not authorize. She then said she would place a hold on my account. The next day, however, my mother received a call from XXXX in the " Security Dept. '' asking for permission to allow XXXX XXXX to take out a {$5000.00} loan. My mother was a signer on XXXX of the XXXX accounts. XXXX then called me, left me a voice mail asking to call her. I tried twice that day & left a voice mail with my name & phone #. I never received a call back. The next day, XXXX XXXX XXXX, I went to a Capital One branch, closed all accounts & opened XXXX Capital One 360 account. The manager XXXX, said I had to return the next day to transfer the funds. Thursday XXXX XXXX, I returned, he transferred money from all accounts, we called the security dept, spoke to XXXX who said I was all clear to create my online username/password only to find out later that day, I was unable to do so. Over the next 9 days I spent, trying to access my funds. Finally, last Fri XXXX XXXX a total of 9 hours 57 minutes on the phone, mostly on hold, I was able to access my new account. I logged in today & while on the Account Summary page I see XXXXXXXXXXXX with a link to update the email. XXXX, I 've never seen my personal info on the summary page. I 've just spent the last 43 minutes on the phone with " XXXX '' in the Security Dept who said when they opened up the Capital One 360 account they just transferred my personal info ( including XXXXXXXXXXXX ) from the " XXXX '' account. He claims he deleted the hacker 's email & nothing else was changed. Forgive me if I am not convinced.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one ending in XXXX lost XXXX of my payments and applied to my old card in XXXX NONE were ever late they stated they never reported it as late

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a XXXX year old woman suffering from XXXX XXXX XXXX called me to collect a {$150.00} debt owed by my daughter-in-law. I immediately told XXXX that she has never lived with me. However, that did not stop the vicious calls. I became terrorized and so intensely upset that I suffered a XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ADR ARBITRATION SERVICES (Closed)
State: TN

Complaint narrative:
My Chapter XXXX Bankruptcy was discharged in XX/XX/XXXX and most all debts have been removed from my credit reports, e.g., XXXX and XXXX. Revenue Recovery Services is still showing negative remarks regarding this debt from XXXX XXXX XXXX in XXXX XXXX, TN XXXX occurring XX/XX/XXXX. This negative remark has lowered my credit rating considerably and has resulted in me being denied certain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I unjustifiably got a XXXX violation XXXX XXXX 3 years ago ; I was not talking on my phone and proved it via showing the exact day/time of my phone bill. I also wrote a letter disputing the claim and they made me go to court 7 times on this matter also took my driver 's license away! I wrote a legal letter stating they are wrong, using the Appellate Division, Superior Court, XXXX County. 
PEOPLE of the State of California, Plaintiff and XXXX, v. XXXX XXXX XXXX, Defendant and Appellant. No. XXXX. 
Decided : XXXX XXXX, 2013, case as the model. Long story short, XXXX XXXX XXXX would n't accept my supporting documentation and suspended my license. I had to pay {$170.00} + fee to attain my DL back. Now b/c someone at the XXXX XXXX court entered the check I mailed out late, they sent a debt collector to harass me for another {$300.00}! If I do n't pay it the manager threatened to suspend my license and revoke my driving privileges altogether. I can not afford a lawyer and I NEED HELP. This injustice has gone on LONG enough. Can you please help me. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY

Complaint narrative:
I have a savings and checking account with XXXX. My savings only had {$5.00} in. I recently noticed that {$77.00} was transferred from my checking into my savings without my knowledge then a restraint was put on it I contacted the # I was given but the debt collector could n't explain when the debt was from. I asked several times and he jumped around the question. That conversation was recorded by his company XXXX XXXX XXXX XXXX XXXX. I 'm no lawyer but I know that they are not allowed to transfer my money from XXXX account to another. I contacted the bank and I 'm still waiting for a response from them. I would like to know if what they did was legal before I take it to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
My loan is with a collection agency titled GC services. The only way the company will set my payments up is if I have XXXX references. They already have XXXX on file and I can not find another source who lives outside my home. There guidelines state you need XXXX outside the home so because I do n't have a third reference I can not start repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
My wages have been garnished for this since 2010 and my employer says it was paid as per court docket now 5 years later GCServices is trying to collect additional funds and will not send me proof of all payments and total collected my employer states in access of XXXX and my pay stubs prove it just want to know how these companies can recollect the debt all over and start with harassing phone calls for a debt I know is paid in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
My family was called on their phones about my debt, after they had already spoken to me about it and had verified my phone number and location. Additionally they have called me numerous times, despite having already spoken to me.

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 2015-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
Debt inclulded in Chapter XXXX BK, collection agency will not accept and continue to collect debt. Some one use my name and information for a ticket and failed I was charge with a XXXX, something I was not aware of this happened in 2011 and I am just aware of this. So I am trying to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31 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: United Collection Bureau, Inc.
State: OH

Complaint narrative:
The collection agency insists I owe a debt that is not mine. They will not comply with attempts for verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mid-Michigan Collection Bureau
State: MI

Complaint narrative:
Debt collector has violated FDCPA by failing to provide validation and history to an alleged collection account reporting on my credit report. After several attempts with communicating with the collection company and receiving no response for months, XXXX dispute still resulted in the company verifying that the information was correct but it is not. The debt was paid to the original creditor before any collections began.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
First ; this bill has been on my credit report since XXXX. I would like to have it deleted from my credit report. Note previous credit report listing this account. 

Second ; as a resolution, I voluntarily returned the vehicle and requested and outstanding balance and detailed breakdown of costs ( profit/loss ), after the vehicle had been auctioned or resold. I requested this information XXXX. I received no response and the bill still remains at the same balance of {$3700.00}. A few years ago, they attempted to garnish my wages.

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 2015-03-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC
State: TX

Complaint narrative:
They keep calling and calling and calling even when we told them to stop calling my phone. They told my sister in law that there was an emergency and to call her back immediately ( she got so scared that she thought her brother was in the hospital ) and had to block their number. They have threatened to send people to our home to collect. the lady has left very rude and demeaning messages on mine and my husbands phone. we have spoke to them on the phone and the lady the lady yells and curses at us in which in return sets me off and I have had to tell her that I do n't speak to my husband that way and I will be damned if she does. we have been through a lot this past month when they were calling constantly. my mother passed away on XXXX XXXX and I begged them not to call mine or my moms phone and I was told that they do n't care what is going on in our home and its not their fault. they are driving us crazy. its not like we did n't plan on paying them we are just going through a hard time right now with my husband loosing his job right before XXXX and the lose of my mom. thank XXXX my husband is now working full time again but were still in the hole from when he is unemployed. I do not understand how a company can be so rude and have no compassion what so ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MILLENIUM HOME MORTGAGE LLC
State: NY

Complaint narrative:
Hello, I approached XXXX XXXX of Millenium Home Mortgage in XXXX regarding mortgage refinancing. I told him I would like to refinance my house in XXXX to take advantage of the lower interest rates. So, I set out to explain my situation. I told him my house was rented out and the lease would end in XX/XX/2015. Furthermore, I told him I was living in a rental apartment in XXXX, but planned to move back to the house in XX/XX/XXXX, as soon as the tenant moved out. So, I asked him if he could help with the refinancing, and he said yes. He further stated that he could refinance my house as owner occupied, provided I was able to provide strong motivational reasons for moving back to the house as soon as tenant moves out. So, I provided all required documents and paid the appraisal and mortgage fees. 
After paying the fees, the appraisal was done and my house value came back ok. 
To my surprise, XXXX XXXX told me the financing could not be finalized until I move back to my house. He stated that I told him I was going to move into my house before the refinancing is concluded. There was never a time I told XXXX XXXX this. 
I believe I have been misled into parting with my money and would like to know if there is way to have my money returned to me. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Nationwide Intermediary Services llc
State: VA

Complaint narrative:
On Monday, XXXX XXXX, I received a call from XXXX XXXX requesting a return call at XXXX in regards to a debt. The message stated that documents would be filed within 48 hours if no response was received. I called back and spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX and was told that the name of their company is Nationwide Intermediary Services. They stated that the reason for the call was because they had received a debt to mediate from XXXX XXXX XXXX and they provided me with the case number, original debtor and value of the debt. 

At this time, I asked them what my options were to repay the debt and they said that I could make arrangements but it could only be done with my debit card, checking account, or prepaid card. At that point, I set up an arrangement with them but let them know that I would need something in writing with their companies name, address and confirmation that these payments would be applied to the debt that they stated. They said they would prefer to email me the letter but I explained to them that email is not valid and requested a hard copy be mailed to my address and confirmed the physical address for them. They agreed and let me know that it would take XXXX days to receive the paperwork. 

At this point ( six business days later XXXX, I have not seen anything in the mail, nor have I received any additional phone calls from them. I can not confirm whether this company is authorized to collect on this debt, or if I am being scammed. My first payment is scheduled for XXXX/XXXX/15 but I will not be loading my prepaid card with funds until they send me valid documentation for my records. 

I have been the victim of these scams before so I will not be sending any funds to this company without receiving the requested mailing with account resolution information included.

Company response to consumer: Closed with explanation