vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for a credit card from Capital One Bank ( USA ) , N.A . and was refused. The XXXX ( XXXX ) reasons they gave to refuse issuing the card were that : 1 ) " based on my credit report from XXXX, too few or no revolving accounts have a balance. '' My letter to them informed them why that is so - " I pay my credit card bills every month in full -- generally on the day the bill arrives in the mail. '' 2 ) " based on your credit report from XXXX, there are too many new revolving accounts. '' My letter to them informed them that " I have no new revolving accounts. The last account I opened was probably at least eight ( 8 ) or nine ( 9 ) months ago. And, in fact I have only XXXX ( XXXX ) revolving accounts that are in active use. '' 3 ) " Based on your application information, income is insufficient for requested credit. '' My letter to them informed them that " my income -- approximately XXXX per year ( I am retired ), plus having over {>= $1,000,000} cash in savings accounts -- is more than sufficient for the requested credit card. Note, too, that my credit score -- XXXX out of XXXX -- is probably higher than the majority of applicants who request, and are granted, a card from your bank. '' In short, it appears that Capital One Bank ( USA ) , N.A . is refusing to issue me a card because I pay my balance in full every month. That 's no reason to refuse to issue a card and should not be allowed. 

My credit rating is about as good as you can get, and always has been. I do n't need a Capital One Bank credit card -- in fact, I recently received in the mail an unsolicited offer from XXXX XXXX to apply for their card which I did, and was approved for immediately without issue. However, I am stunned and angry that Capital One would continue to deny me a credit card after I pointed out to them that their reasons were totally incorrect. 

That card offers several unique benefits and I want that card issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
We called Capiital One Bank at XXXX at XX/XX/XXXX on XX/XX/2015. We were asked question from the automated system including credit card number, social security number ( last XXXX ), security question, date of birth. After providing these answer we requested to speak to a 'representative '. The system responded that sorry we a closed, please call back during normal business hours. This seems wrong. We called back and were directed to someone in XXXX XXXX. 

We called a third time and spoke to several people at Capital One who did not understand the seriousness of information being provided to a department /organization that should not have my personal information. 

Further, when we called again, my wife spoke to someone who attempted to assist. They spoke a short while, and then handed me the phone. The Capital One employee, XXXX, then told me her name and said that we were on a recorded phone line. Interestingly there was no announcement to my wife about that the call was being recorded. 

We called again, and we recorded the phone call, the automated system DID NOT report that we were on a recorded line. We spoke to a representative who further DID NOT state that we were on a recorded line. We reported to the representative that we were recording their conversation. 

It is my understanding that when the Bank must state that calls are being recorded when they may be recorded. 

Our attempts to get someone from Capital One bank to be concerned over either issue was unsuccessful. 

We are concerned that : The Capital One Bank phone / computer system has been compromised and provides outsiders with personal information that could risk my identity. 

We are concerned that Capital One telephone banking does not provide information regarding when calls are being recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
I tried to pay my bill and was informed that my CC was closed unknown to me due to " fraudulent activity '', what was really happening is that Capital One was saying the money from payments was on my CC when it was n't taken out of my bank yet and my bank would reject Capital One so it would then be taken back from the card thusly resulting in an overdraft. Either way they " closed '' my account on the XXXX of XXXX without informing me prior, I called and wanted to know what was going on and they could n't and or would n't tell me anything. I had deposited {$400.00} to start this card and paid off what was owed back down to a balance of {$400.00}. I was told by over 8 different Capital One representatives including supervisors that the remaining {$400.00} would be taken from the deposit and everything would be settled and I would not have to call again, it would {$0.00} out my account and reflect accordingly on my credit. The {$400.00} was supposed to be put on towards the balance 5 business day 's after they closed my account so that would of been the XXXX of XXXX. I spoke to a supervisor on Monday the XXXX who informed me of this thusly and stated " you will not have to call back it will be taken care of automatically '', I waited until Friday the XXXX to check and make sure it had been done, it had not. I called again and talked to another representative who told me " it will be done tomorrow and by Monday it will have a {$0.00} balance ''. I waited till Monday the XXXX with no movement yet again on my account. I called the following morning ( Tuesday the XXXX ) their time and was told yet again, be patient it will get done, all while nothing is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX and XXXX acknowledged Capital One Credit Card was fraud account and they removed them off of my credit report. Capital One is doing whatever possible to continue to mess up my credit report when the was removed because they could not validate any purchases I made on their card nor did I receive a card yet activated so they were investigation. I need them to stop selling my personal information to other companies when I did not owe them they now got The bureau on my credit report. Capital One to stop these fraud transfer to dept collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX, has contacted me without my consent, and also obtained my personal information with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a checking account with Capital One 360 that I 've had since XXXX. About a XXXX I went to use my ATM/check card for a gas purchase and the card was declined. Thinking it was the machine, I went to another location and again was declined. I contacted Capital One 360 customer service and was advised that my card had been " deactivated '' and they had sent me a new card in the mail that I " should '' have received by then. Capital One provided no communication to me ( I login to their website almost daily and a simple message or note would have sufficed ) and " deactivated '' my card that was not yet expired so that they could provide me with the new updated card with the chip security feature. I 've since contacted Capital One and provided them with the opportunity to resolve this matter and am not satisfied with their explanation. They stated that because their rep. offered me the opportunity to get back into my car and drive back to the store to make a " one time '' withdrawal/ purchase and then they would " deactivate '' my card again. I do not feel that it is acceptable to say " because we gave you the opportunity to go out of your way and make a one time/ educated decision on how much money you need to withdraw, we feel we have corrected the situation ''. The fact of the matter is that my card was not expired and the entire situation could have been handled differently to avoid putting me the " consumer '' at harm- again, this was the period right before XXXX. Heartless. I 've read the cardholder agreement and find no acceptable clause that relates to this issue and I do not find it to be legal or acceptable from a customer service standpoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have received at least XXXX fake court documents citing Wage Garnishments that have been left at my door. I live in VA and this particular collection company is also located in Virginia - XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. The debt dates back to XX/XX/XXXX or earlier. I was taken to court and my wages were garnished for the amount I owed Capital One ( in XX/XX/XXXX ). Now I have a new company contacting me with fake Wage Garnishments. There 's no summons filed with the court and no court case in the court systems listing. They also have an incorrect address for my employer. I 'm sure I 'm not the only person they are contacting for time barred debt. The full amount I owed to Capital One has been paid - they still listing the full amount of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: Byrider Franchising, LLC
State: SC

Complaint narrative:
CNAC Car finance company calling outside designated hours and are calling while I 'm at work, which I have asked them not to do and they do not listen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I learned via XXXX that Credit Control Service has filed a debt collection of {$200.00} on my XXXX credit report ; however, I do not owe this date and know nothing of it. Credit Control Service appears to be a 3rd party vendor and they have not attempted any communication with me. I believe they are doing this illegally and want the debt removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XXXX/XXXX/16 my XXXX credit report showed that there were a Capital One and a XXXX bank hard inquiries. I called both banks and they both reported not to have any information on the matter. On XXXX/XXXX/16 XXXX reported again that Capital One had another hard inquiry for trying to open an account. I called capital one and they reported that as a matter of fact someone tried to open an account with Capital One. The representative said she closed the account that was opened on my behalf and report it as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In 2011, I received a refund from XXXX for unsatisfactory services to my credit card. When the refund was placed back to my account ending in XXXX, Capital One charged me back for the money. I would like the money returned to me, as I won my dispute with XXXX and am entitled to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX represented they could take a settlement agreement for Capital One. They required that I provide bank account information so they could withdraw money for one year. They never gave me any proof of the debt, they never gave me any receipts for payments, they withdrew money without my permission and amounts without my permission and times without my permission and Capital One has not been able to produce any information regarding these payments. They withdrew over {$6900.00} and no one can account for this and I still owe money now without any information on why I owe or where the money I paid went to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Sychrony Bank notified me via XXXX mail of XXXX things which are not aligned with actions I have taken, and which were confirmed on Synchrony 's internet site. I also received email confirmation of my actions, but was later informed that the actions were not valid. The first action I took was to enroll in Auto Pay. I received notice that I had un-enrolled in Auto Pay. I never un-enrolled. Second, I was notified that " my bank '' refused my initial Auto Pay installment. I was charged {$27.00} late fee. Unable to contact them via phone because their IVR would not let me reach a Customer Service Rep.

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 2017-02-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have obtained Lowe 's credit card : XXXX First statement was paid in full. In the second statement Lowe 's charged undelivered items as well as already delivered item. I believe the merchandise should be delivered before billing.

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 2015-08-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
The number XXXX is owned by J C Penney. The call more than XXXX times a day. XXXX/XXXX/15 @ XXXX. XXXX/XXXX/15 @ XXXX, XXXX XXXX, XXXX, XXXX,. XXXX/XXXX/15 @ XXXX, XXXX, XXXX XXXX. XXXX/XXXX/15 @ XXXX, XXXX, XXXX, XXXX, XXXX/XXXX/15 @ XXXX XXXX, XXXX, XXXX/XXXX/15 @ XXXX, XXXX, XXXX/XXXX/15 @ XXXX, XXXX @ XXXX, XXXX, XXXX/XXXX/15 @ XXXX XXXX, XXXX, XXXX/XXXX/15 @ XXXX, and I am sure that they will call again tonight. This is clearly harassment and we have asked them to stop calling us and they say that they ca n't stop calling. My husband has started a XXXX shift job and this is disruptive to the entire household.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
This was originally taken off the credit reports after being disputed. They decided to put the debt back on the credit report and now are falsely stating that the first major deliquency was from XX/XX/XXXX when the card in fact is from XX/XX/XXXX-XX/XX/XXXX. They are making the card and charge off look newer than it actually is. The original creditor is still on my report with the correct date. They are trying to sabatoge my credit report and even when disputed will not update with accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a walmart Credit Card. In XXXX I noticed online fraud charges. I contacted walmart and told them about it. They told me they would be closing my account and reissuing a card. Before that though I sent a payment in total of XXXX dollars to cover my monthly minimum seeing as i did not know when new card would come at the suggestion of rep. I finally get new card activate it today and see that walmart is claiming i didnt pay XXXX minimum. which they combined with XXXX and XXXX late charges. They are trying to charge me XXXX dollars when rep suggested I make the payment on the day I did. I called them and asked them to listen to recorded call and they refused to help with the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I had an account with CONN Appliances, XXXX which I was making monthly payments debited from my checking account. I paid off the entire balance on XXXX XXXX, 2016. However, they continued debiting my account for three months and counting. I had contacted them 3 times and they admitted and said they will refund money. Instead they keep taking money out. I have proof I paid off the account, but looks like there is incompetence in their finance department. XXXX different occasions I had been told to wait for the money to be refunded but is been three months and all I get is another withdraw from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
I purchased a lawnmower from a dealer XXXX nd opened a XXXX credit line through ge capital promo no interest if payed in full within two years they say it was a standered purchase but I sent them proof fax the invoice to them twice I sent them XXXX dollars a month for two years it should be payed off by now I accualy over paid them they should owe me XXXX back this has been going on for months now was never late with a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have had a Gap store credit card that is not associated with XXXX for several years. Today I received a notification that Gap was sending me an " upgraded '' new Gap Visa Card. This appears to be an unrestricted Visa card. This was completely unsolicited. In the letter there is information that I must call on opt out of the program if I do n't want to receive the new Visa card. I feel this is predatory behavior on the part of Gap or the bank that represents them, Synchrony Bank. Not to mention it has an APR of 25.24 %! If I did not pay close attention to this letter I would not have known I was required to call and opt out. It should be the other way around. The consumer should be required to opt in if they want to issued a Visa card.

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 2016-09-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Frequent calling daily, even multiples times a day.

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 2016-05-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Receiving excessive calls from automated caller to collect debt. Have received 4 calls so far today.

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 non-monetary relief
Consumer complaint received 2017-01-20 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:
Conns applince company calls my phone up to 10 times a day or more. I have spoken to them and explianed my employment status do to being let go of my job. Explained that I will make a payment as soon as I can but they still call me at times up to 3 times in less then a minute. I am late on my bill no more then 5 days but they call me like crazy. I understand XXXX or XXXX calls a day but XXXX or more calls a day is way to much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Dear XXXX. We have wrote three times to these people. All we ask is a accounting of what was purchased as we had payed Jc Penney Off.Then two years later they say we owe XXXX XXXX I have requested an itemized account. They will not supply XXXX. We do not owe a dime. Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Sam 's Club Credit does not provide a reasonable electronic statement that reflects all of the information provided on a paper statement. When enrolled in electronic statements this is information that is no longer available unless it is requested from customer service ; a paper statement is then generated and mailed to the address on file. Most banking and credit institutions provide a way to view electronic representations of the exact statement that would be mailed.

Company response to consumer: Closed with explanation