vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-02 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: FL

Complaint narrative:
Capital One has been reporting a Charge Off current even though it was charge off since XX/XX/XXXX. I been trying since XX/XX/XXXX to have this debt validated in XX/XX/XXXX they send me a verification letter saying they no longer owe this debt that it was transfer to XXXX XXXX. 
It stated the account was sold and that their records indicate any balance that may be due was transferred in the sale. I never recall any such credit collection company being on my credit report. I currently initiated a dispute again with all 3 credit bureau Capital One is still showing this charge off from XX/XX/XXXX with a balance of {$2500.00} and a high balance of {$2400.00}. I got the result back and Capital One and collection agency verifies that they believe the account is being reported accurately. But what Capital One is doing to the credit reporting agencies a more recent status date, thereby extending the negative reporting of the charged-off account. This illegal practice will hurt your credit score. 

" Re-Aging '' a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
an account that does n't belong to me is reporting on my credit, even though, I previously disputed this and it was corrected, it is now on my report again XXXX which might have to do with my ex-husband marrying a girl with the same first name as mine )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX 2015 I opened a secured credit card account with Capital One Bank via an initial opening security deposit of {$300.00}. It took approximately 14 days for the processing of that initial deposit to occur. Since that time I have made XXXX consecutive payments, all made from the same account as the initial funding deposit. On XXXX/XXXX/15 I attempted to make a new deposit to the account, but due to a banking error on the payment end by XXXX, the funding account bank, it was rejected. After identifying the issue with XXXX, I had the error corrected and resubmitted another deposit of the same {$100.00} to Capital One for credit to my credit line. After receiving, and processing ( ie " cashing '' ) the deposit, Capital One placed a " fraud alert '' on my credit account, and froze all funds in the account. They cited as explanation the returned item from XXXX as " suspected fraud '' and have since been holding all funds while they draw interest on the money and I am left without access to any of it. The problem is that 1 ) no fraud existed as I clearly own the XXXX account 2 ) the same XXXX account has been repeatedly used to fund and make all payments on this account 3 ) my banking relationship with XXXX Bank is of absolutely no business of Capital One and the demands that they are making to information regarding that account are far outside of the scope legally required or necessary. I believe they are using this situation as a pretext to obtain information they can then use to track my financial standing at XXXX Bank without legal authority, pre-existing approval, or direct knowledge of their activity on my part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX and I obtained capital one credit last year with a {$250.00} deposit and used the card while I was working out of town all last year I set online accounts to make payments in which case did not always go through and i was forced get on phone with a capital one superviser and my bank to verify that had made a payment. i have since lost my job and made that clear to capital one i used a friends home phone number to set up the account as i was working out of town now that i am unemployed capital one is calling everyday to pressure me to make a payment when this phone number is not my number XXXX XXXX has asked them to stop calling her phone number and given them my correct number but yet they still keep calling everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I had unemployment insurance on my Capital One account and they marked my account late 6 times on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
There was incident between my boyfriend and I. But now the collections company is coming to me because some XXXX ( his friend ) made a fraud insurance claim with my name. I am not involved with this incident. I went to court for it already and those charges were dismissed, therefor I am innocent of them. The collections company keeps harassing me even after I faxed them the proof of the charges being dismissed and told them I have a lawyer. I do not need this showing up on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
My wife had insurance with XXXX XXXX and she let it lapsed due to the expense of this insurance. My name was on the policy due to she had to list everyone in the residence that had a drivers license and drive. I sent a validation letter to Credit Collection services to verify this debt. On XXXX/XXXX/2015 I received the attached note, stating they had spoken with the creditor and they said it was my account. As you can see by the attached file this is not a violation but the refusal to send documentation verifying this debt. The Actual policy was created and was my wife policy.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
RE : case # XXXXSo, in response to my complaint I get a scoulding from Capital One? Why and what do these groups think thier allowed to do? XXXX of all I am an adult. Next, I do not need to be incriminated as being irresponsible just because I am a female. Finally, my life and my finances are not for public viewing. Should we have each person who works for Capital One and other such credit lines place thier own finiances in public. Better yet, should any of these creditors place any part of thier personal doing into public eye including thier XXXX and phone conversations. Now does Capital One think they should have special privileges on anyone 's spending. Are they the federal reserve of which expenses and taxes flow? NoSo please view the Capital One response and tell me how I should grasp misconduct of the credit card companies bullying and bad medicine. Out with them. I am so upset and feel XXXX by this letter of suggestion that is not this Capital One or any other high interest rate XXXX is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I presently have a credit card from Barclaycard and was originally promised if I transfer credit from another card to this one, it would be paid off in a timely manner but they keep raising the interest rate on me. They are charging me an interest rate of XXXX percent. Is this an unfair amount?

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 2015-04-27 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was granted credit by XXXX who operated XXXX which was taken over by Synchrony Bank. So I was granted credit based on my credit report at that time. Synchrony now lowered my credit limit substantially, stating as a reason information obtained on the credit report. I contested that as the information has not changed. The reasons Synchrony stated in their original letter where they lowered the credit limit are not valid. Those same issues were there when they originally granted the credit, and as an aside my credit payment history with them, and ALL creditors since then is perfect. so I contested their reasons for the reduction, and they wrote back, XXXX, and do not address the issue but use the same boilerplate language. When I wrote a XXXX time pointing out my protest even stronger, I get the same boilerplate response.They will not allow calls and no other way to discuss or resolve the issue. Obviously writing does not move the ball forward on this at all. They simply do not respond to my questions or inquiry at all. 
They keep stating they made their decision within the law .... But I contend the reasons they state are not valid, at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We tried to purchase a stove on our Lowe 's credit card. Lowe 's called to say the item was not in stock and they would not be charging our credit card. We tried to purchase a second stove and the same thing happened. When we tried a third time we were declined because the XXXX previous stoves had been put on our credit card. We tried contacting the company and the gentleman we spoke with could not understand that our credit was being utilized by a total of XXXX stoves we were unable to purchase and were told we would not be charged for. We tried for over an hour to cancel the stoves to free up our credit. After not getting anywhere we hung up. About five days after trying to clear our credit card we received a letter stating we had asked to close our Lowe 's credit card account. We had NOT asked to close the account. We called Lowe 's to find out why the account was closed They stated we closed it We asked for the recording of us agreeing to close our account. They said the person who has the recording was on vacation. We have called back and have not received a response from Lowe 's.

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 2015-10-26 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Received a phone message with message of intent to sue for non-payment. Multiple family members and friends received the exact same message with my name, at the exact same time that day. I was unaware of this debt, having thought it was included in our bankruptcy. Upon some research I was able to determine this debt was over 9 years old. I am unable to pay as I am the only working and my husband is out on a medical injury, soon expecting surgery. I am unable to make such a substantial payment, and they have indicated I need to do so within 48 hours or they will take me to court and I could 'lose everything '. When contacted, the company would not allow me to speak to any of the named individuals ( each family member gave me a name of who called, all were the same first name but different last name ) only telling me that, that person was not available. I got the distinct feeling no such person existed.The number came up on everyones phone as blocked or restricted, however the number was quickly mentioned on the phone message.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for a credit card with one of those hand written applications on a plane flight. 

I never heard anything from the carrier or the credit card servicer. I figured that for some reason the application was denied. After several months I found that my credit score had dropped. I obtained a report. Apparently the credit card company ( Barclays of DE ) had opened a credit card and account in my name without my knowledge. When I contacted Barclays on XXXX the agent verified that the address and email address on my account were both wrong. Apparently XXXX gives Barclays these hand written applications and the people transcribing them to digital application often transcribe incorrect information. He also mentioned that the company had tried to contact me by mail only and all letters were returned. In spite of this Barclays still opened a credit card account in my name, knowing they would be unable to contact me about this account. Three months earlier the company had charged an annual fee to the card. The account was now closed by the company but a past due balance was still remaining that had since had a negative impact on my credit score. My score dropped XXXX points in a month and now I am having difficulty applying for housing in the new city I moved to. What 's more I feel like opening these kinds of accounts knowing that they are unable to contact the account holder is a major financial security risk. If someone had gotten ahold of this card I would have no way of knowing obviously but additionally Barclays would have no way of contacting me about the fraud. 

When I contacted Barclays, all they could offer was a mailing address where I could send a paper letter. Apparently the account and situation would then be reviewed and it could take up to 30 days for the company to make a decision on whether they would contact the credit bureau. These are unfair, unsafe and predatory practices by a XXXX company on and American citizen.

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 monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL

Complaint narrative:
Synchrony Bank issue - I paid my credit card bill early and the credit card company is listing my account as being late and sending harassing certified letters to my home. I have called once and was assured by a representative that it was solved. The next day yet again another certified letter for the same account and reason. I called the company and the only thing I get is we are sorry this is unacceptable business practice and borderline harassment from a creditor to a consumer that is paying their bill on time if not earlier than due.

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
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation
State: WA

Complaint narrative:
To Whom It May Concern, Here is a summary of events on the house my ex-wife was awarded in our divorce over 10 years ago. However the loan was in my name. House payments were behind for several years, Attempts were made by me several times to bring the house current for her. At one point we got a notice to pay current from the mortgage company with an {$8000.00} or so figure with a time limit to pay. We sent off a bank wire transfer with in the time frame. Two weeks later the funds were returned to the bank and we were notified of an error and that they needed almost {$12000.00}. 
After this we tried several attempts through the mail system to do a " loan Modification '' directly with the bank. Each time we were told we filled out the papers wrong and had to start over. We did this 3 times over a 2 year period. 
Then in XXXX we started going up to XXXX, XXXX, to the XXXX XXXX Help Center. We filled out the Loan Modification papers there. 4 times we had to start over. Again we were told some of the forms were not filled out correctly, EVEN THOUGH THEIR OFFICE IS THE ONE THAT HELPS US FILL THEM OUT. This went on for an additional two years till XX/XX/XXXX then they switched our " LOAN SERVICER '' to XXXX XXXX XXXX. 
We had to start over on the loan modification forms. XXXX XXXX we were continuing to get requests for additional information through XX/XX/XXXX. On a phone call to XXXX XXXX servicing XX/XX/XXXX, we were told that we should not be getting any notices because they had already foreclosed the property through a sheriff 's sale XX/XX/XXXX. At this point I quit trying to help my ex-wife as it seemed it was finally over with knowing the foreclosure had occurred. 
My credit began to recover and XXXX XXXX quit reporting to the credit bureau 's any late payments on my Part. Then about XX/XX/XXXX they began reporting me as late payments again. I disputed it and it was removed. But then it showed up the next month and every month since then. And my credit score has dropped more than XXXX points. And I just got a notice from XXXX XXXX that they decreased my credit line due to a recent late payment account. 
My ex-wife was again served a Sherriff 's eviction at the end of XXXX XXXX, and XXXX XXXX XXXX took possession of the home and put a lock box on it. I spoke with them directly on Friday XXXX XXXX, XXXX and they informed me the initial foreclosure was done improperly and so they were having to go through the process once again. I however now did not receive any paperwork or notification and was told that I no longer was a part of the loan. I did not quite understand but accepted it as this was what I wanted to be the case. Now in XXXX they again are reporting this as late and again showing on my credit. This needs to stop. 

Sincerely, 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 2016-01-05 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Upon applying online for a XXXX Card through Synchrony Bank, I was asked for personally identifying information through what appears to be a XXXX Party Service/Credit Report Service. XXXX of the questions asked about my current property and asked for the date associated with it. None of the dates were even close - not even in the same year - and the only other answer was that I am not associated with this property, which is also incorrect. As there was no correct answer, I failed the identity test and was denied credit. I have a XXXX FICO score and have never been denied credit before in my life. 

I have called XXXX XXXX and Synchrony Bank. I have been transferred to numerous people, none of whom could help or even understand what I was talking about. I was transferred to the credit department and treated like I was a deadbeat. I have asked for a number at Corporate that could figure out who this Third Party provider is with the incorrect information. I have lodged a customer complaint that I do not expect to go anywhere. 

I have checked my credit card reports and the information about my mortgage shows the correct date - XXXX 2010. I also check my credit union and it too is correct. 

It is absolutely unacceptable for Synchrony Bank ... or any other financial institution ... to be using information to determine identity or credit worthiness without the proper support procedures put in place if such information is wrong. My credit report has been damaged due to denied credit and no one is taking any kind of accountability to assist in getting this erroneous information corrected.

Company response to consumer: Closed with non-monetary relief
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: Conn's, Inc.
State: TX

Complaint narrative:
They are calling 20 times a day to collect a debt. I 've asked them to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My husband and I had a very strange experience when applying for a Walmart card through Synchrony Bank. We both applied for an account on the same date. On my account, they completely misspelled my first name. On my husband 's account, they used his SSN, birthdate and credit information, but they put the account in my name in error. I emailed customer service three times on XXXX/XXXX/16. They instructed me to have my husband call in to their help desk, so he did that on XXXX/XXXX/16. The customer service rep, XXXX, spoke to both of us. She can see that the account is incorrectly entered under my name, even though it is most definitely my husband 's account, but she refused to correct it. Despite the fact that they have his credit report and the application he submitted on file to prove the owner of the account, they are refusing to remove my name from it. I feel that this constitutes fraud, because they know it is under the wrong person 's name, but they will not remove my name from the account. I am at a loss as to how they could have a glitch so big that they would mess up both accounts opened for my household.

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