vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently got married and requested a card for my spouse on my account. The credit card company requested proof, XXXX documents. Drivers License, Passport, Social Security Card ... Some reason, they did n't trust the documents that were emailed to them. The put my account on fraud hold. After waiting for a week, I told them to close the account. Now they think it was all fraud. I had and account in good standing over 20 years with them, but I will not be treated like a criminal. They will not close the account at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am being charged an APR of 29.65 % The advertised rate on the Capital One website shows 23.24 %. I have contacted Capital One several times and no resolution or adjustments have been made. This is total false advertising and I am entitled to a refund of the discrepancy amount from the first day that I noticed this huge error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had XXXX accounts with khols department store which a rep had closed one of my accounts without my permission which i was never notified by either mail or phone nor email.I have worked with an attorney to help solve the issue which a customer can only have XXXX account I had XXXX which was under my married name and XXXX under my original last name.I have asked them to accommodate me with this issue but nothing was done.I have been denied school loans personal cant purchased a car was denied 3 times for that my attorney at the time reached out 2 times and still no response .They have received a demanded amout that I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
I have contacted and sent Fraud Affidavits to CNAC. Also, I have disputed this account with all XXXX Credit Agencies who stated that CNAC verified that this account belong to me. I find that hard to believe since I was never able to get a response back from CNAC. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting in results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
My great granddaughter ( XXXX ) was left on my doorstep. I needed find out if she was immunized or get her immunized to attend child care. The granddaughter was personally covered by Medicaid. The doctor accepted the Medicaid and informed the lab but the lab sent me the bill I sent XXXX the child 's Medicaid account information and they persisted billing me, Eventually turning it over to collection. I sent a letter to the collection agency ( attached ) they did not respond and filed multiple failure to pay with the various credit reporting agencies. I am not responsible for the debt. I have seen medical providers illegally by pass collecting from Medicare and badger the person to get more more money for the service than Medicare will pay. I believe that was what happened here.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
On XX/XX/XXXX I went to an ATM to get cash from my checking account knowing I had a balance of over {$2000.00} I got XXXX cash and it said my balance was XXXX. I thought it was a mistake so I called my bank XX/XX/XXXX at XXXX XXXX and they told me that XXXX XXXX XXXX XXXX had a jugement on my account for over {$1600.00} that was dated XX/XX/XXXX for Capital One credit card? I currently have XXXX credit cards from Capital one with perfect account standings.I ran credit reports from your website about 4 months ago that were all good and showed nothing of this what so ever. I certainly do n't recall a judgement XX/XX/XXXX 12 years ago of this nature. The last couple months I was getting calls on my cell phone with the caller I.D . blocked and when I answered they would rattle of something credit service and ask for personal information address date of birth social security number and a red flag would go off and I was positive it was a scam because they would n't Identify themselves and wanted my information and they would call twice a day and started threating me so I quit answering the calls. After I talked to my bank and they gave me the company name and phone number I called them and they told me that they had an active judgement against me dated XX/XX/XXXX for Capital one and they were going to contact the courts that I contacted them and they were going to seize my money? I do n't know it this is an actual recovery company but they present themselves like big time scam artists. I also had credit reports ran XX/XX/XXXX when I got a credit card from XXXX 's that was good and showed nothing of this at all. If this company has an active XX/XX/XXXX judgement against me why has n't it ever showed up and if Capital one had a bad account with me why would they issue me XXXX different cards and have had the cards for a long time with no complaints. I did file a complaint with your website on the class action of Capital one kept billing me for account protection that I never signed up for and kept billing me for years and would n't stop and I was awarded somewhere in the {$1600.00} dollar range so I wondered if this was that company that kept billing me without my consent? I am not a wealthy man and it is the first of the month and have bills to pay and now no money to pay them. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was notified via email of XXXX transactions on Sunday, XXXX XXXX which I did not authorize. I immediately called Capital One 360 to inform them of the charges. The total had already been removed from my available balance. I was told that I had to wait until XXXX for the charges to post and then I could make a dispute. I was told that it could take up to XXXX hours to complete the dispute and for the funds to be returned. This caused a separate credit card payment to be returned. I filed a police report and called on numerous occasions to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone took {$89.00} out of my account and I have n't used my card since XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I PAID OFF THE CREDIT CARD AND INTREST THE NEXT MO.LATER THEY INSIST I STILL OWE THE SAME INTREST AMOUNT ON A ZERO BALANCE! LANGUAGE BARRIER XXXX VERY BIG PROBLEM.COULDNT MAKE THEM UNDERSTAND! ..HAVE HAD THEM OVER 20 YEARS WANT IT PD! I WILL NOT BE USING THIS CARD AGAIN.AND TOLD THEM ON MY TAPED PHONE CALL I WAS GOING TO SHREAD THIS CARD.THE AMOUNT OF THE CHARGE IS SMALL.ITS THE PRINCIPLE OF IT ALL

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX of XXXX I was contacted by XXXX XXXX stating they were filing a lawsuit against me and that the lawsuit will be delivered to XXXX XXXX Courts if I do n't settle the debt. I was allowed to set up a payment plan if I give them an amount to pay. I settled for {$2600.00}. 

In XXXX of XXXX, I was able to pay off the settlement amount and they sent me a Release Letter stating that my account is paid in full and I am no longer liable for the debt. 

Today, XXXX XXXX, XXXX, my brother-in-law and husband received phone calls stating that the callers were " servers '' from XXXX XXXX XXXX. I called the number and they were posing as " servers '' but " transferred '' me to their litigation department to settle prior to serving my employer tomorrow. They identified themselves as XXXX XXXX XXXX. He told me the same thing, settle and send money or they file legal documents. I called back and ask for the account number of the original debt. This debt is the same debt I had already paid and settled with XXXX XXXX. I told the " Litigation Manager '' I have release letter regarding this account. He told me to email to XXXXXXXXXXXX and fax to XXXX. I emailed. However, when I tried faxing, the number he provided was an incorrect number. 

I will be filing a separate complaint against XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have several two credit cards with Capital One for several months during which I have maintained my credit in good standing paying the full credit balance in most cases and always paying on time. I wanted to give my kids the option to begin credit and finance education early, so I called Capital One and asked them if they have a program to add my kids to my account as authorized users to have their own cards to use at school or when they go out. They welcomed the idea and told me that they certainly allow that and were eager to collect my kids information including the dates of birth, SSN, and names. Then they told me that the cards will arrive shortly. a few days later Capital One restricted access to my card. I was treated with total unprofessional way to say the least and was accused with fraud, insulted, and the representative hung up the phone on me. I called again and a manager was very nice and apologized and informed me that I need to send copies of my kids XXXX and SSN, and I did. The next day I found out that the earlier representative had actually closed my account without my consent and without reading me the required disclosure and had done so after he actually hung up the phone with me based on the time stamp of the call log which he should not have been authoirzed to continue accessing the account after he terminated the call. I called the following day and spoke with fraud account manager " XXXX '' who apologized and confirmed that the representative closed the account after he hung up the phone with me and he should have read me the required disclosure. Then I found out that he also restricted the other credit account I have with Capital One which was not even subject to the conflict. XXXX asked me to review the documents that I had previously sent to manager " XXXX '' the day before to help reopen the first closed account and remove the restriction of the second account. then she came back on the line and said that the department that would review the call recording to determine the wrong doing by the first representative is closed on Friday and promised to call me back Monday by XXXX XXXX. I called today when she did not honor her promise to call only to find out that they closed the second account completely as well. when asking about the reasons, they said we could do so if we want to at our discretion. I expressed that I have not done anything wrong as I called and asked Capital One before making any account changes and they were the ones that added the authorized users and then closed my accounts which were maintained in good standing the whole time to the extent that they increased my limits automatically several times from {$300.00} to {$5300.00} which would never have been the case if the accounts were poorly managed and there should have been no justification for the way these accounts have been closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Made payment though automated system. System charged total amount of balance instead of minimum payment. Capitol one refunded amount and during that time placed a 30 days late on credit. Payment was made on time their system charged wrong amount as can be seen by them refunding money. Capitol one refuses to remove 30 day late as it was their system that was in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo assisted me in a loss mitigation last year in XXXX 2014, However, in XXXX 2014 that 's when I was notified to make my payment in which I was behind XXXX month to start they said home preservation assistant no longer was working in this dept or for the company and I would have to catch up on my own I thought as though this was too hard, I felt as though this was unfair my loan modification was approved XXXX XXXX, 2014 however, I was not notified until early XXXX when I questioned this they informed me that my loan modification worker never sent out the paperwork nor informed me that my loan was even modified I then spoke to several supervisors and they were no help so when I made my payment in XXXX they applies it to XXXX then each month I was XXXX payment behind I feel as though this was too hard to catch up and then after XXXX months they raised my payment they said my escrow was short then raised the payment from XXXX to XXXX which now is another increase so now they are saying since my home is in active foreclosure due to some home repairs and unexpected auto repairs that I need to come up with the whole reinstatement fee and they cant offer no assistance for XXXX months. I want to know how a consumer gets into a new loan modification and the loan due to Wells fargo untrained loan representatives my loan is again in default.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
I got a letter from Convergent Outsourcing , Inc . I live in XXXX now and they are sending it to my XXXX address. They state that I owe {$670.00} for an XXXX account with Convergent Account # XXXX. First of all, I have no idea what this account is. I have never been sent any verification of this debt. I am formally requesting substantiation of debt since I live in XXXX. Second of all, they are requesting that I " settle '' this account for 40 % ; however, they also state that this debt is too old to be sued on. To use the word " settle '' implies that they are going to sue me. This debt has passed the statute of limitations and to me this is a violation of the FDCPA to threaten to sue me an an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
In early XXXX of 2015 Credit Collection Services began reporting to the XXXX Credit Bureau that I owed them {$130.00} for their Customer XXXX XXXX. In the beginning of XXXX 2015 my balance with XXXX was at {$0.00}. 
On XXXX XXXX, 2015 I faxed a dispute letter to CCS asking them to remove the unverifiable/inaccurate information that was being reported to XXXX. I never received any correspondence form CCS in regards to the debt they were trying to collect. I have yet to speak to a CCS representative or anyone affiliated with them. I have never accepted not acknowledged any debt with or through them. 

After my first dispute letter CCS updated the information which is being reported to XXXX as " Paid Collection '' which is inaccurate and untrue because they have never received any payment or form of communication from me besides dispute letters. I would like to ask for proof of payment from me to their company as well as for them to verify this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
STATEMENT OF FACTS : On or about XX/XX/2016 XXXX XXXX ( XXXX XXXX XXXX 's Daughter ) Purchased a 2003 Buick Lasabre from XXXX XXXX XXXX ( buy here pay here car lot ). And because XXXX, XXXX had a good payment and relationship history with XXXX XXXX Auto Insurance he referred her to call them for a policy quote. Consequently, XXXX XXXX had maintained a XXXX XXXX ( XXXX ) policy for his 2013 Dodge Avenger for over a year. 
Further, Despite the fact that XXXX XXXX 's name was nowhere listed on the purchasing documents of this 2003 Lasabre XXXX XXXX repeatedly mailed delinquent monthly billing statements ( Fraudulent Billing practices in clear violation of 47 U.S.C. 151 ) to XXXX XXXX 's Home address in XXXX XXXX Florida despite the fact that XXXX XXXX lived in XXXX Florida and she had previously given them her address and phone Number. 
But XXXX XXXX never followed up with XXXX XXXX, and they never attempted to mail her a bill. Instead choosing to unlawfully use the U.S. Mail to repeatedly harass and threaten XXXX XXXX because XXXX XXXX listed him as a driver on her policy which she herself called and implemented with XXXX XXXX. 
Whereby, after several delinquent billing attempts to XXXX XXXX, And after several phone calls to XXXX XXXX by XXXX XXXX, he was Finally told That he would have to mail or fax proof that his name was not on the purchasing documents of XXXX 's 2003 Lasabre ( which they Insured ). And despite this Obvious absurdity XXXX XXXX obtained and faxed said purchasing documents to XXXX XXXX 's arbitration department ( as instructed ) On XX/XX/2016, And repeatedly called them for acknowledgement of receipt, ( where they repeatedly responded " we receive hundreds of faxes and we 'll process them as they come in. '' CAUSE OF ACTION : On XX/XX/2016 XXXX XXXX received a mailing from a collection agency that XXXX XXXX had given all of his information to and assigned them to collect a {$730.00} debit from XXXX XXXX XXXX based on their agreement to insure XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am filing a complaint because I have requested a full file disclosure from lexis nexis on several occasions and they have ignored my request. I continue too be denied credit every time that they pull my lexis nexis report. I need a full file with all the information or notes that have been placed on my lexis nexis file. I was also told that i have a fraud alert on my lexis nexis file and i have not requested this alert on my lexis nexis and it continues to hinder me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Back on XXXX XXXX, 2014, a company called XXXX XXXX XXXX called a phone number associated with my out of state employer in an attempt to contact me. When the phone was answered, the debt collector proceeded to disclose a debt I have with Capital One to the person who answered without confirming who they were speaking to. A cease and desist letter was sent to the company, Capital One and the Attorney General 's in both XXXX and XXXX, where I reside. Complaints went unanswered by the collection company and creditor, and to date, the AG 's are pending responses from both companies. There has been no further attempts at debt validation or written communication to date from the original creditor or 3rd parties acting on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have been forced to pay an annual fee of {$59.00} to Capital One for a credit card that I can not use due to its " restricted '' status, for two years in a row. Capital One refuses to close my account because they say they can not verify my identity, even though I sent them, via email, all the official ID docs they asked for ( social security card, proof of address, drivers license ). They said they think I " altered '' my own ID documents. Therefore, I 'm trapped in this cycle of trying to cancel my account, they refuse, they charge an annual fee for a product I ca n't even use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was trying to get financial assistance to pay bring down my interest and monthly payments and was told that I did n't have the option available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone is delaying my deposits and also freezing my bank cards

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My issue is with capitalone. I purchased a new car last from XXXX XX/XX/2016 and Capital One approved my car loan for six years. XX/XX/XXXX/XX/XX/2016, I paid {$20000.00} on the car. However, Capital One is charging me $ XXXX month, I assume since I knocked {$9000.00} in interest capital one needs to make back the interest they lost they did not change my car payment to {$86.00} a month for five more years.

Company response to consumer: Closed with explanation