vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Brelvis Consulting, LLC
State: NJ

Complaint narrative:
I called a number to get approved for XXXX XXXX. I spoke with The Student Loan Help Center. I was n't sure about the program or what it was about. I inquired with some questions but I did n't realize i was speaking with a 3rd party representative that charged me {$600.00} to get started with XXXX XXXX. To my understanding I could 've just inquired with XXXX XXXX and it would 've been free. The lady on the phone rushed me and was eager to take down my credit card information. I talked to so many different people and no one mentioned that they were not XXXX XXXX. I kept getting transferred and I think it was because I asked too many questions. I thought I was speaking with XXXX the entire time but I was mistaken I did n't realize they were a 3rd Party Representative. The only time they reached out to me was when my payment did n't go through because my credit card information had changed. I was taken back. The only time these people reached out to me was for money. Not to inquire or inform me about the status and etc of my account. I 'm disturbed about all this. If i lose the money because i failed to do the research afterwards then yes that 's my fault but to my understanding I thought I was speaking to to XXXX XXXX. How do you CHARGE people for a service that 's free?!. And to top it all off, I was told I would n't be paying a dime for 20 years and that it would save me from paying interest and so on. I found out that in reality if I 'm paying {$0.00} a month, I would still be paying the interest rate monthly. They never mentioned any of this. XXXX XXXX told me to contact CFPB for assistance and I hope you guys can assist. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I am filing a complaint with the Consumer Financial Protection Bureau against Capital One because the bank has not cooperated with me. They have caused undue hardship for me. 

Between XXXX XXXX, XXXX and XXXX XXXX, I was overseas in a XXXX. At the time, I had closed my XXXX account and had no XXXX account to make an electronic payment to Capital One. In XXXX, I chatted with Capital One and attempted to make a payment. The representative gave me an ID payment number, however, when I went to a bank location in XXXX to try to make a payment, they said they do not work with Capital One and I was therefore unable to make a payment. I have also tried to call Capital One multiple times to resolve this issue, but international phone calls were extremely spotty at best. 

On XXXX XXXX, XXXX, I made a phone call to Capital One, having arrived back to the US, in an effort to make an electronic payment to my credit cards. The representative at first said I would make a payment of {$48.00} and that would have been satisfactory until the XXXX, which is when I get my paycheck to pay off the rest. Then, the representative said I was 120 days late and Capital One would lock my account. The representative was a bit " wishy-washy '' and was not specific. It caused me a great deal of confusion. There was no extension to work with my account issues and I was afraid even if I made a payment, the account would have been locked regardless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I fell on hard times when unauthorized charges were debited from my checking account. In XXXX 2015, I started with working with a debt Management company XXXX in order to contact my creditors and make settlements/payment arrangements. XXXX contacted XXXX XXXX many times and was not successful until the debt was sold to XXXX XXXX XXXX. XXXX XXXX forced me to work with this company and I now have multiple negative reports on my credit report for these XXXX credit cards- XXXX and XXXX. I want these negative reports removed from my credit report - all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One is threatening a lawsuit if I miss another payment on my card ending in XXXX. I 've told them repeatedly that the charges making up the balance ARE NOT MINE!!!!!! I will NOT pay this balance!!! Let them waste their money on a lawsuit. I 'm still not paying for these charges as they ARE NOT MINE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My card was stolen, I notified capital one on XXXX/XXXX/15, they have decreased my balance by the fraud amount but have not made it available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I contacted Kohl 's directly upon my purchases for XX/XX/XXXX while shopping at customer service to receive paper statements. In XX/XX/XXXX, I still had not received a statement so I called Kohl 's to find out why I had not received a statement. The representative stated I was late on my payment. I advised him that I had not received a statement yet. He stated he would remove late fee and bring account current. I made a payment as per attached pdf file. I continued to make payments drawn on or before the XXXX of each month. Some came out as late as the XXXX. I never missed a payment and made more than minimum due. However, Kohl 's has charged me {$160.00} in late fees stemming from the XXXX payment issue. I believe this to be an unfair scheme by them to collect fees. I did not receive a statement, inquired and made a payment the same day. The representative stated they would bring account current and remove the late fee. That never happened and created a situation where each month would be late even though I pay more than minimum due. I tried to reach their POC, XXXX XXXX, with XXXX voice messages to no avail. Then today, she calls and states that they will make no adjustment and that they would only provide a correspondence to me. She refused to acknowledge my concerns. She simply refused to talk about any specifics or reason why they would not refund late fees. Very cold but not unprofessional, just detached and cold!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My family was hit with numerous XXXX bills at the same time our monthly mortgage payments went up so our ability to pay all our bills on time was seriously affected. We have approximately {$10000.00} in credit card debt with Capitol One and have tried repeatedly to make our monthly payments of approx {$260.00} on time and have missed some therefore incurring late fees, we have contacted Capitol One repeatedly to see if we could lower our monthly to {$150.00} they said all they could offer was to not attach late fees if we continued to make those {$260.00} payments on time, which as I said we can not do, I therefore contacted Capitol One and requested my account be closed, we still are trying to make our payments on time but continue to incur those late fees, our last bill was for {$560.00} which we ca n't pay, as I have said we have never refused to pay our bills, but when we get at least XXXX calls per day at various hours that is just harassment. We are at a loss as to what to do we are potentially looking at bankruptcy or foreclousure if we can not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Divorced spouse. Effective date was XXXX XXXX, 2014. In the decree, it stipulates former spouse was to pay ANY and ALL debt incurred during divorce proceedings. Before final agreement, former spouse was the only source of income. This hereby cause me to fall behind on payments. Once former spouse made proceeds available, I contacted creditor to catch up on the late payments. This was on or about XXXX XXXX, 2014. During the course of the telephone conversation, the customer service representative agreed to waive ALL late charges, as well as back interest. Also, the representative mentioned the account would be reported as " Paid, never late. ', due to divorce proceedings. I mailed creditor a copy of the decree, and I received a letter from creditor, stating the account is reporting correctly. I feel as if I was lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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: OH

Complaint narrative:
Capital One sued me to collect a debet and I just receveived notice today, XXXX XXXX, 2016. I have been trying to pay them for over 3 years, but they wo n't accept any payment terms accept payment in full or {$700.00} a month which I can not afford. I was paying on the account continuously until I lost my job at which time, I was paying, but below the monthly minium. They sent me to collections despite the fact I was actually making payments. When I ceased making payments due to lack of employment, they would not work with me to set up agreeable payment arrangements. They even shut off my online access so I could n't make any payments. How can I pay if you wo n't let me pay? Ridiculous. I then put the account in a debt management plan, which the ignored and still sued me. I was not made aware of this was happening. Every attempt I have made to pay they have ignored and/or said it was not enough. Seems to me something is better than nothing. Then to sue me without me being notified is disgusting. Capital one is a terrible company that is perfectly happy with ruining your character and credit. They wo n't work with you at all. Everyone warned me about getting a credit card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
The PHH mortgage company always does deceptive things that go against the CFPB rules and regulations. They lie to buyers trying to refi and/or get a mortgage that doctors notes are required when they say they are on XXXX, they deny loans to women when they find out that they are on maternity leave from their job, they lead borrowers to use their title company ( which they own XXXX % of the title company ) without telling borrowers that they get a kickback on people using the title company, they have loan processors giving borrowers rates when the processor are not licensed to do so and they have non XXXX speaking non licensed customer service reps who mess up the escrows on accounts so that after the first year when the escrow is messed up they foreclose on your home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been paying this collection agency whose address is XXXX. XXXX, XXXX XXXX XXXX in XXXX, XXXX because of a Capital One Bank credit card account. First last year they started calling my sister and making harassment calls threatening deportation and legal action. So I decided to call back and they told me that they were XXXX XXXX XXXX and they were collecting my Capital One account. I made payment arrangements with them every month and my bank sends this electronically to them. My last payment will be in XXXX XXXX, 2015. I am concerned because the address is not in XXXX, XXXX but a XXXX XXXX XXXX XXXX. XXXX in XXXX, XXXX. They send me letters of my payments and balance with a bar code and a reference number and with t he XXXX XXXX XXXX , XXXX on it and phone number XXXX. I do not know if this is a fake collection agency because when I googled the P. O. Box address XXXX XXXX XXXX comes up and there has been reports about this fake agency? I called up two weeks ago about my payments and the next day I began receiving harassing calls from a number that has an area code in XXXX XXXX and I have been getting calls everyday. They even have a spoof XXXX area code number but when I call them I get a message that the number is not an active number. I called the XXXX number and got a message that says '' No one is available to take your call. '' As if it is a private residential number. But I called again and a woman answered my call and she told me that they were XXXX and they are located in Washington but when I told her her area code is in XXXX she hung up. I do not know they are fake but what I am concerned is about Porfolio Recovery using a P. O. Box in XXXX, XXXX. And please help us. I know that we made bad financial decisions and fell behind our debts but we are really trying to get our credit straight but these has gone too far. Please investigate this P. O. Box address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX, 2015 I applied online for a Kohl 's Charge card and was accepted. I provided complete and truthful information and was approved. I have used the card for purchases and paid in accordance with the terms of the card. In fact, I have paid more than the minimum amount due and owing. 
On XXXX XXXX, XXXX Kohl 's sent a letter canceling the card, issued by Capital One, claiming they " observed activity ... not consistent with our expectations.. '' They have REFUSED to disclose the basis for the decision. I believe the basis is DISCRIMINATORY in nature and not supported by any facts or circumstances. I believe their decision violates the law and my rights as a consumer. CAPITAL ONE has been the subject of a prior complaint for issuing me a card through a different vendor and doing exactly the same thing although I adhered to the terms of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one closed XXXX of my business accounts because they claim they needed an EIN number, which they have on my other card for same business. I received no letters or calls to warn me of this account closure or to request information. They say they sent letters and now today after 2 days on the phone, a rep said they did try to call. Their reps are not on the same page and must not have access to the same information. New information seems to materialize in their favor the more time I spend on the phone them! 
I have XXXX other cards with them, XXXX being a business card with the same info as the account they closed. They also took XXXX rewards points and applied them to my balance. 
I called them and asked them to reinstate the account and they keep saying they can not and that because they did not receive the EIN info by said date that they had to permanently close the account. They are claiming that it is against federal regulation to reopen this account. Their reps are dismissive and condecending. They do n't really seem to want to rectify the problem and they are not forthcoming with the truth regarding their choices. 
I am a very unhappy customer and am considering closing down all of my accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A former bank teller at Capitol One stole {$5000.00} from me years ago and quitCapitol One wo n't find the last name of the crooked teller that would take 20 minutes and commits a cover up for years on this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
I purchased my car through XXXX Byrider in XXXX 2013, financing it through CNAC. Immediately after purchasing the car the engine light came on. I did take the car to them to fix and had to pay for some of the repairs. The warranty does not last on the car and as soon as the warranty expired did the many problems arise. I believe this company takes advantage of customers with poor credit by giving them cars that has many hidden problems while giving them huge bi weekly payments ( I pay almost {$500.00} a month ). I just got my car back from the mechanic about two weeks ago and he had it for almost a month. That means I had no way back and forth to work while still trying to keep up with my payments. The car has so many problems it is just a matter of time before it is undrivable XXXX again. 
When completing the application for the vehicle, I gave them a list of people to contact as a reference and another short list to contact in case they are unable to contact me. Currently my car payment is four days late, I told XXXX Byrider that I will make my payment on Friday as soon as I get paid. They are contacting my references telling them that they are not able to get a hold of me which is untrue. I have the emails to prove that I am in contact with them. They are not using the list giving to them to contact if they were unable to get a hold of me. My father called me today extremely stressed getting these phone calls. I emailed my rep to let her know that my elderly father XXXX ( among so many other health issues ) and that stress is the worst thing for XXXX. I asked her why she would she contact him when we already had a discussion regarding me paying on Friday. I also informed her that he was not on the list to contact if she was not able to get a hold of me and to please not contact him again because of this. She told me that she will continue to contact him until I made my payment and would not stop unless he told her not to. It is not in my father 's nature to tell someone to stop calling him but most importantly it is against the agreement that they put forth, morally wrong, a form of harassment and elderly abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN # XXXX, XXXXSOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Experian, XXXX or XXXX address ] XX/XX/XXXXTo whom it may concern : RE : Credit Repair Accusation /suspicious disputePlease be advised that I have received your computer generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on [ XX/XX/XXXX ] by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me -- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. Please take notice that this letter dated XX/XX/XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter, '' thus giving you only 15 days, not 30 more. I am outraged at your accusation and I have fully researched my rights in regards to my credit file. I look forward to your expediting my original request immediately. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 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: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
I 've tried to cancel the membership based on a bad experience and I 'm not allowed to cancel it, I 've been to the establishment only once and they will not let me cancel and I fear for my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have located an incorrect late payment from Capital One Bank. The account has been paid and closed since XX/XX/XXXX. When I located this account, I contacted the Credit Reporting Agencies right away to have the account remove due to the lack of validaiton by the Bank pursuant the FCBA, and TILA. However, after endless dispute letters to the Bureaus, and phone calls, the account still remains there. I have advised the bureaus that the reporting dates are incorrect, it appears to be reporting as a 30 days late XX/XX/XXXX, but it was actually late XX/XX/XXXX, and that the account is over 7 years ago therefore, it must be removed. When I call the bureaus to complaint, they told me that, they can not call the creditor by phone as I have suggested, and that all they can do, is to send the dispute through XXXX. I am in the process of purchasing a home, however, the bank is giving me a hard time because of this silly 30 day late payment, that has been reporting wrongly for the past 7 years. Please help me as to the bureaus dont want to help me.

Company response to consumer: Closed with explanation