vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
This company agreed with the cfpb to give me until XXXX XXXX, 2015 before they would pursue court action but yet aggressively does so. this is after i have paid XXXX of dollars to them and now they want to garnish me. I have offered to settle ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Complaint submitted to the Consumer Financial Protection Board ( CFPB ) About Capital One By XXXX XXXX, a Capital One customer XXXX XXXX, 2017 With Capital One, I have a checking account, a savings account and XXXX credit cards. 

I transferred {$500.00} from an account I have at XXXX to my savings account at Capital One. 
Capital One has received my {$500.00}. It is in my " Accounts Summary '' as part of the " Current Balance. '' Screenshot submitted with this complaint. 

I tried to transfer {$300.00} from savings to checking - both accounts at Capital One - and was told there were insufficient funds. 2nd screenshot submitted with this complaint. 

I had a chat with XXXX at Capital One. She was very knowledgable and professional in explaining Capital One 's rule about this. PDF of chat submitted with this complaint. 

As I understand Capital One 's rule, when they receive funds from an external source, like XXXX, they do not release those funds to their Capital One customer right away. 

Instead, they wait several days to make sure that the external source, XXXX in this situation, will not demand return of the funds. 

Capital One refers to this acceptance of the funds and waiting - verification of the funds. 

Only after verification of the funds are the funds released to the customer. At that time, they show up in the " Available Balance. '' See a screenshot submitted with this complaint. 

Capital One does not pay me interest on my funds ( {$500.00} in this situation ) until the funds are notated under " Available Balance. '' It is my understanding of the effect of this rule of Capital One is that Capital One has my money XXXX {$500.00} XXXX. It will have my money until either the external source XXXX XXXX XXXX demands its return or Capital One releases it to me. This " verification '' can take XXXX5 days once Capital One has received the funds. 

This complaint is submitted on XXXX/XXXX/2017. I understand my money will not be released to me until XXXX. 

I must assume that the people at Capital One are smart business people. Until proven otherwise, I can only assume that they are using my money to make money. 

And, they are not paying me interest for the use of my money to make money for Capital One. 

I want Capital One to pay me interest from the time my money is received by Capital One until it is either returned to the external source ( XXXX ) or made available to me. 

I want the Federal Government to make it a rule or a law that banks are required to do this. 

The right side of this complaint is not showing up in the box to submit the complaint, so I am attaching it as a PDF. 

Please note that the actions by Capital One covered by this complaint are similar to - but not the same as - the taking of customers ' funds by Capital One in CFPB Case Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have been working with capital one with my payments they advise as long as I make the payments they set up with me my account would stay positive. It currently shows I have a available balance but transaction was declined. I reached out to capital one and they advise that the account was restricted for nonpayment even tho they take out funds biweekly more than the minimum payment. The supervisor could n't explain and said sorry and hung up. This is the worst expierence ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There 's a credit card in my name that I have no idea about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo has been contacting me to collect a payment for a private student loan I received when I attended XXXX XXXX University in XXXX XXXX, XXXX from XXXX to XXXX. I have discussed with debt collection reps that I am currently unemployed and can not make a payment at this time. I was able to defer my loan with in-school deferment while I attended University XXXX XXXX in XXXX to the end of XXXX for XXXX studies. But I am longer attending that school. I have applied to XXXX XXXX XXXX XXXX University and have been accepted for their XXXX XXXX XXXX XXXX Program for the XXXX XXXX. I will register for classes XXXX. I do not have any family members or friends who can help me make this payment or any payments for this loan. I have already asked family members to help me pay off my credit card debt and they are struggling to pay their own bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 2017-03-06 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2016 a timeshare was purchased from XXXX XXXX , XXXX based on false information that was provided during a verbal timeshare presentation. However, the written contract documents do not match the verbal statements that were made. I agreed to the purchase and I provided them the credit card to make the down payment and also to draft the monthly payments. I did authorize these charges, based on their verbal presentation of what I was purchasing. However, the contract documents do not match what they told me verbally and as soon as I became aware the that the terms and conditions for the usage were completely different that what I was advised, I immediately sent a letter of cancellation on XX/XX/2016. They advised my request, stating I had signed a legally binding contract and continued to charge my card. I began disputing the charges to my account and have lost a total of {$3200.00} to this timeshare scam. I can not use the product that they sold me, they have provided no services to me and wo n't let me cancel the contract and refuse to return my money. I was forced to hire an attorney and am still trying to get my money back from XXXX via my credit card provider, Citi Cards. Please be advised there is a language barrier as English is not my primary language and no one would assist me in understanding the documents and rushed me through the closing process.

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 2015-09-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been attempting to navigate the short sale process for 18 months on a property located at XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX. During this time, a cash settlement was offered and approved by Capitol One in XXXX of 2014. After approval, it was discovered that there were XXXX outstanding liens on the property. Upon the advice on my attorney, I filed Chapter XXXX Bankruptcy and as a result, the short sale process was re-initiated in XXXX of 2014. Since that time, I have had to be in contact with XXXX different individuals who continue to ask over and over for identical information, thus continually staling the process for a duration of 9 months. Most recently, I have received notice that a fore-closure procedure has been instituted, even though a cash buyer has and remains committed to the purchase and was previously approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I left a bank account open with {$10.00} in it with Wells Fargo in XXXX of XXXX. Wells Fargo assessed fees of - {$25.00} as the balance went just below {$0.00} and closed the account with a negative balance of around ( {$25.00} ). Since then, the debt was sold off to multiple owners. I tried to trace it in XXXX. I came down to the " newest '' company who owned the debt and after calling them 5 times, they were unable to locate who they sold the debt to. Since then, I left it alone and I have n't heard anything since then. Yesterday I received this voicemail on my cell phone from an unknown number. She left a voicemail saying, " Hi, XXXX XXXX. Now my name is XXXX XXXX and I 'm just giving you a call regarding documents I received in my office under your name. Now I do need you to be advised that I have a request to place you on my schedule for delivery for tomorrow afternoon, the XXXX in between noon and XXXX. Now I will be heading out to your home or your place of employment at that time so make sure that you do have a valid photo ID for signing. Now if you do have any questions regarding the documents you will need to contact the sender directly since they are marked as sealed and confidential, I just deliver them, but that phone number is XXXX and then also your file number is XXXX XXXX. If by chance you resolve whatever issue it is you have with that office, just have them issue a stop order. If they do not issue that out, I will see you tomorrow afternoon. '' I called the number yesterday. They told me I had a case and accused me of some crazy thing with Wells Fargo and I stopped him right there and said, " listen. I checked my county records and there is nothing filed in the clerk of courts with my name on it. So if you truly were delivering me papers tomorrow, you would have legally already had to have filed them in my county and you have n't so it sounds to me like this is a scam and I will be reporting you ''. He then got defensive and I said, " It 's too bad you are choosing to do this in XXXX - I hope you do n't ruin anyone 's XXXX by trying to XXXX them '' and he hung up on me. We shall see if I actually get anything delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC.
State: AZ

Complaint narrative:
mb financial reported 2 times 30 day lates on my credit report for the months when I was NOT late, had an auto pay and overpaid where they had to send me a refund in XX/XX/XXXX for the overpayment. but yet they are refusing to remove the 30 day lates reported for XX/XX/2015 and XX/XX/2015 which were NOT my fault but a failure on MB financial end to property set up my auto deduction and process payments, applying them to the correct account instead of sending me a refund for overpayment. see letters received and my responce to them attached

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Here is a copy of the complaint mailed to Capital One. 

On XXXX/XXXX/16 I disputed my charge with XXXX XXXX XXXX. I received two secure messages regarding the dispute, almost immediately. Printed copies are enclosed. 
On XXXX/XXXX/16, I received another secure message advising, verbatim - Unless the merchant resubmits the charge within 45 days of the date of this letter, we consider your case closed. If this occurs, we 'll notify you and may re-bill your account for the amount of the credit. Please keep all documentation related to this dispute for 90 days. Again, a printed copy is enclosed. 
On XXXX/XXXX/16, we received another message, stating that the merchant resubmitted the charge, with proof. Here is where the problems arise. 
XXXX/XXXX/16 through XXXX/XXXX/16 is 73 days. 52 Business days. This was WELL beyond the 45 days, so I initiated an online chat on XXXX/XXXX/16 to find out why. I chatted with XXXX. I asked outright - what date did the merchant rebill the charge. He said I was rebilled on XXXX/XXXX/16. I reiterated, asking if XXXX/XXXX/16 was the actual date. He said yes. I explained the issue. With that, the chat ended fairly quickly - printed copy enclosed. 
On XXXX/XXXX/16 I received mailed letter of documentation from Capital one. All correspondence is dated XXXX postage stamp is dated XXXX/XXXX/16. Unfortunately, the rebuttal from XXXX XXXX XXXX is all dated XXXX/XXXX/16. 
I was advised, as written above, if this occurs, we 'll notify you and may re-bill your account for the amount of the credit. 
Is your turn around time normally 63 days, 45 working days from the merchant 's response? Is that how it works? If so, why do you claim 45 days from date of this letter?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
Tried to refinance my mortgage with Loan Depot. Locked in at XXXX %. Provided all the information they required.Refinancing XXXX % of the value of my home. Have a XXXX credit history with no problems. They kept delaying the process by asking for the same materials and told me I lost my lock in rate. When I told them I would not proceed with the loan they agreed to extend the lock in at XXXX sent me my closing statement and added {$1200.00} for XXXX contacting my mortgage company to find out the payoff, they said I would close in XXXX days.I contacted them XXXX week later to find out what was taking so long and they told me I had a lien on my property.Spent all morning trying to find out what lien could be on the property downtown at the deeds office. They said mortgage company was trying to pull a fast XXXX and gave me stamped papers saying no liens were on my property.I faxed papers to loan depot and did not hear back until I called them.I was transferred to another person who explained the loan would go through but at a higher interest rate. My whole experience with loan depot took over XXXX months. I missed out on XXXX % interest rate and was out {$450.00} for my appraisal. I would hope someone could put them out of business so the ca n't cheat homeowners anymore.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc.
State: VA

Complaint narrative:
I explained to advanced America do that I experienced check fraud and they told me that they have to proceed with allowing the check to bounce. At that point they decided that they would say 30 days to allow the debt to going to delinquent status and then I can make payment arrangements. At that point they continuously called my job as XXXX told them for multiple occasions to stop calling my job I am not allowed received a collection calls at work in particular this phone number. This was back in XXXX XXXX after they do calls 4 to 5 times I 'm most locations when I told Them to stop now here it is XXXX XXXX in the same office is calling my job they 're calling my cell phone they 're calling consistently trying to say that is imperative that they speak with me you 're not identify who they are what they represent however I did a reverse phone lookup and it 's a XXXX XXXX and XXXX Virginia or XXXX XXXX. The callers name is XXXX at XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
In XXXX of XX/XX/2014 I received an offer from the Citizen 's Bank with which we have a checking account an offer to get {$5.00} up to {$10.00} for automatic bill payments charged to the bank 's credit card and posted before XXXX XXXX, XX/XX/2014. I did so and XXXX payments for XXXX and XXXX were posted on XXXX/XXXX/XX/XX/2014 and XXXX/XXXXXX/XX/2014 respectively. Yet I did not receive the promised {$10.00} credit as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
There is a debt on my credit report that does not belong to me, the credit report had removed it as they can not validate the debt, but to my surprise two weeks ago they added the debt back to my account without given me a written warning nothing to validate that this debt is mine. The credit bureaus continues to violated my right. I need help as I would like to take them to court for failing to validate a debt but then placed it back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Advance America, Cash Advance Centers, Inc.
State: KS

Complaint narrative:
A man named XXXX said that he was a legal courier for XXXX and XXXX XXXX and he was going to attempt to deliver legal papers to my door and place of employment he left me a number to call to stop this effort XXXX when I called that number I spoke to a man name was undisclosed he had the last XXXX of my social security number he did not read me the mini Miranda when I asked him if the call was recorded he said we do not record our calls mop also informed me that I am not being sued and his company 's name is XXXX processing I told him that I will not be paying this debt because I have not had any contact via mail and to many scam agencies out there

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
This Debt was Charged of in XX/XX/XXXX with XXXX. In XX/XX/XXXX it went to Asset Acceptance LLC. They were sued by the FTC.One of the nation 's largest consumer debt buyers has agreed to pay a XXXX civil penalty to settle Federal Trade Commission charges that it made a range of misrepresentations when trying to collect old debts. In addition, the company, Asset Acceptance , LLC, has agreed to tell consumers whose debt may be too old to be legally enforceable that it will not sue to collect on that debt They still have on my credit report and increased the balance from the XXXX Charge off to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 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: Khoury Alternative Claims Management
State: NE

Complaint narrative:
I rented a rental car from XXXX at the XXXX XXXX XXXX XXXX location. At the time I rented the car, the XXXX representative at the counter informed me that there were small scratches on both the front and the rear bumpers. She informed me that the scratches were notated on the paperwork and " not to worry ''. When I returned the rental car, the representative asked me about the scratches. I informed him the scratches were on the vehicle prior to me picking up the vehicle. I received the attached letter dated XXXX/XXXX/15 from XXXX XXXX - V.P. from XXXX stating I would be receiving a letter from Alternative Claims Management. I called XXXX at the number on the letter ... left a voice message ... did not receive a return phone call. I received the attached letter dated XXXX/XXXX/15 from Alternative Claims Management stating I had 30 days to dispute the claim. I sent the attached letter of dispute dated XXXX/XXXX/15. Since XXXX XXXX, or no one from Alternative Claims would return my phone call to discuss this claim, I faxed the attached letter to the XXXX Customer Service phone number from my XXXX Member website where I made the reservation, On XXXX/XXXX/15 I received the attached letter from the XXXX Customer Service Representative stating she could not help me. On XXXX/XXXX/15 I finally received the attached letter from Alternative Claims Management stating they received my dispute but that XXXX was still confident the damages to the rental car occurred while it was in my possession. On XXXX/XXXX/15 at XXXX I did receive a call from XXXX at Alternative Claims Management offering to settle the claim for {$180.00}. I wrote the attached letter dated XXXX/XXXX/15 saying I continue to dispute this claim. I have been a XXXX Member ( # XXXX ) for several years and have rented from numerous XXXX locations. The XXXX XXXX XXXX XXXX location is the worst run location I have dealt with and in talking with other XXXX customers, they have come to the same conclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation