vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Recently, a credit card bill came to my house from Capital One. The address was mine, but the addressee name was of no one in our household. I called Capital One to report the discrepancy. They asked me to return the bill back to them and told me that they would take care of the situation. The next month, I again received a credit card bill with the same unknown persons name as the addressee. I called their fraud department again and told me that they have opened up case on this. These credit card bills continue to arrive at my home address to this unknown person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2016 I received a call from XXXX at CNAC at my place of employment. XXXX called a different department asking to speak to my Supervisor not knowing that the person she spoke with was a Supervisor. The Supervisor asked what was the call in reference to and asked her was it in reference to my kids. She would n't give them a any information but stated that her name was " XXXX '' and proceeded to ask to speak to my Supervisor so this particular Supervisor directed the call to my office but I was unavailable at the time. Fortunately my Supervisor was able to get the number off of the Caller ID so I would be able to call the number back. After calling the number back and asking for " XXXX '' she stated that her name was XXXX with CNAC. XXXX continued the conversation by telling me that if I did n't pay them that they would take me to court and garnish my wages. I stated to XXXX to come and pick the vehicle up and do not call my place of employment again and hung up the phone. After hanging up the phone XXXX called my place of employment right back and proceeded to harass by telling me how rude and disrespectful I was and that they were going to take me to court and win and garnish my wages. I told her to speak with my attorney and she told me that I did n't have an attorney and then I hung up the phone. That day I went and filed for bankruptcy because of the threats and harassment so that she would not continue to call my place of employment. After filing for bankruptcy CNAC started reporting negative information to the credit bureaus. CNAC also called my place of employment several times before this incident. I also purchased another vehicle from an actual dealership and they called CNAC for some information and CNAC called them back and stated to them to not sell me a vehicle because I would not pay them but if you look at my payment history they were always paid for the past ( almost ) 2 years before this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 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: KY

Complaint narrative:
A company with the name of Credit Collection Services ( CCS ), web address of XXXX is claiming that a delinquent account from XXXX XXXX XXXX has been sent to them for collections in the amount of {$270.00} and has been reported to the credit bureaus. They give me the option to pay in full and have the issue resolved. 

The problem is that I am current with my cable and internet ( in fact, I am using it to send this complaint XXXX and XXXX XXXX has not sent me to collections. Credit Collection Services can not provide an account number or any proof that I owe a debt other than reiterating that I owe it and my credit is harmed by not paying it. 

I have not received prior collection attempts from them or anyone else warning that I would be reported. I just suddenly received this letter that I already have been reported, but can repair my credit by paying them. The only option is to pay in full. There is no option for them to even prove the debt. 

Although they provide no account number, they provide a PIN number which is conveniently my zip code. 

Doing a brief web search, it is clear this company repeats this pattern on a regular basis. 

( Please give an extra option in the above drop down window. It is n't so much an attempt to collect a debt that is n't mine as much as it is an attempt to collect a debt that simply does n't exist. )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX Bank froze my accounts due to fraud concerns - they highlighted multiple names associated with my SSN based off a Lexis-Nexis Accurint report. I called Lexis-Nexis, which indicated that XXXX XXXX and XXXX XXXX have my SSN. I have recent versions of my XXXX CRA reports but none indicate these names. Lexis-Nexis is pointing fingers at the CRAs, but the CRAs do n't seem to have any idea what Lexis-Nexis is talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a phone call from XXXX. It was from Card Services. I waited on the line to speak to someone to tell them to remove me from the list. A man answered,. so I told asked him to remove me and not to not call back. He proceeded to say, I dot want to. I said again, remove me or I will report you. He said, I do n't feel like it, Give me {$10.00} and I will then remove you. So I told him I would report him, again, and hung up. I am on the National DO NOT CALL LIST! When you try to call the number above back, it goes to an automated recording, saying the person you are trying to reach is unavailable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I would like to dispute a Capital one Bank USA located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/2011. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX XXXX XXXX, XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one 's collection agency keeps calling me non stop. I lost my job and in the interim I thought my business would take off and it has n't yet. This has been going on for several years before my son passed away in 2013. They sent me emails pretending that they were the XXXX of VA and I have a warrant out for my arrest? Plus they had someone call my cell phone saying he was XXXX and he was coming within 24 to 48 hours to give me a summons? The bill is around XXXX dollars. I want this game over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
In XXXX 2014, an Unalwful Detainer ( UD ) Stipulation Judgement was entered in the XXXX Court XXXX California in which the parties involved Real Estate Asset Trust represented KIMBALL TIREY STJOHN as Plaintiff and XXXX XXXX & XXXX XXXX as Defendants. The agreed terms in the stipulation was that we would not owe anything if we vacated the property on the agreed date. We kept our end of the agreement, but then the representative for the Defendant has been trying to collect from us since 2014. We believe their actions are fraudulent at best and would appreciate if the collection records entered in our credit record be deleted. They have no right to collect according to the XXXX. We have disputed this item KIMBALL TIREY STJOHN Account Number : XXXX with XXXX numrous times and they seem to be in cohort with the Plaintiff. Please help us remove this item from our credit history, it is damaging anf has been preventing us from moving forward with home obtaining credit lines, home purchase, etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
This agency continues to contact me at my place of employment after I have asked them to stop. I requested that whatever debt they are calling regarding that they send to me in writing and I have not received anything but they will not stop calling me at work. The 1st time I asked them not to contact me at work the woman on the other end of the line proceeded to argue with me and advising I provided this number which is incorrect. I do n't use my work phone number as a method of contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Good morning. I have a credit card with Capital One. My payment due date is the XXXX of every month. I made my XXXX payment on XX/XX/XXXX. I had a little extra money a couple of weeks later, so I figured I would go ahead and make my XXXX payment early ( XX/XX/XXXX ). I did all of this via their automated system. Well, now they are telling me that payment I sent did not go to my XXXX payment and I have another payment due XX/XX/XXXX. When I contacted them, they stated that they could not credit that payment to XXXX and I would need to make another payment by the XXXX or I would get hit with a {$28.00} late fee. This seems to be a nice scam for them. I paid EARLY, but they did not credit my account as such in an attempt to collect a bogus late fee. Your attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I tried to sign up for a checking account with Capital One 360 checking. I was told that I was denied a checking account due to some type of score being too low.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Action Collection Service
State: WA

Complaint narrative:
I went to XXXX XXXX and was under the impression I was covered by the insurance program they had me under. They never tried to reach me by phone or send a bill via email which I later found out was because I signed up for no mail. Was n't sure why they did n't try other methods of contact. When the collection agency called, I had knowledge of this charge. I immediately paid XXXX XXXX XXXX XXXX/XXXX/15 XXXX and they said that they would take it off the list from the collection agency. Also that it was before the due date of the collection agency to affect my credit score. So they should have never sent it to the credit agencies or reported it. I have the receipt for further proof. They still have not taken it off of my credit report, though I have paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint in regards to Capital One Credit Cards, I just realized after so long since my last complaint directly to this company that my over limit balances continues to increase over and over again, due to Interest increases, past due fees ( due to the fact that even if paying regular payments and not the minimum, that purported late fees and over limit fees of XXXX ) keep superseding the credit limit balance even when the card has not been use or charge for any purchases in the last 3-6 months. I need help I continue to make more than minimum payments and it continues to go over the limit and incurring over limit fees, so far each month I am incurring fees and charges. These are the charges that I have become aware I am getting charged every month regardless of how much I pay to this company XXXX interest ( which is acceptable ) past due fee {$39.00} along with a XXXX over limit fee. I was told by a friend that I needed to submit a complaint with the respective authority that oversight and supervise these type of abuses or deceptive practices from these credit card companies, I have already dispute and discussed these abuses with Capital One representatives and then escalating the matter to a supervisor, but they continue to be reluctant and pursue with the same pattern of deception and misconduct which makes it impossible to correct any problems with late payments. Please I need your help so far more than half of the outstanding balances is due to fees and charges this year alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Purchased a vehicle on XX/XX/XXXX from XXXX XXXX XXXX , XXXX ( XX/XX/XXXX XXXX XXXX ) After driving away with car we found that the passenger side window does not work, check engine light came on, air bag light came on, spring on the back side of the drivers seat exposed, we had to push it back in order for no one to get scratched ... signed a loan for over {$11000.00}, air conditioner does not work. I contacted Dealer on XXXX XXXX and I am still waiting for the repairs to be made. The dealership continues to put us off, does not return calls, passes me around to different point people. No one in the dealership seems able to take care of our concerns. Please can you help, we are running out of time for the lemon law to apply and I am in need of a vehicle for my family. Thank you for your attention to this matter. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
WAS TOLD BY CAPITAL ONE THAT IN 2002 THERE WAS A CHARGE OFF IN THE AMOUNT OF {$2100.00} IN MY NAME OWE TO THEM. HOWEVER I WAS NEVER NOTIFIED OF ANY SUCH CHARGE OFFS OR EVEN SEEN THIS ON MY CREDIT REPORTS. I ALSO WAS NOT MADE AWARE OF THIS WHEN I HAVE SINCE OPEN XXXX ACCOUNTS WITH CAPITAL ONE IN MY NAME SOCIAL SECURITY NUMBER AND DOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
on XXXX XXXX, 2014 I paid this card off. 

now I get a statement of pass due new bal XXXX, min pymt XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a XXXX American XXXX veteran. I have been a customer with Capital One for years. I was hospitalized from XXXX XXXX until XXXX XXXX XXXX. On XX/XX/XXXX I was in XXXX at the VA Hospital. A merchant charged me for a service billing my credit card XXXX. I did n't approve this charge. Even though this merchant House Detectives did n't have any signed invoice by me, Capital One charged me. They did n't consider the fact that I was hospitalized at this time in XXXX and my doctor said due to my condition at that time I should n't be responsible for any financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
On XX/XX/2017, i made a payment to credit collection services on XX/XX/2017 in the amount of XXXX. Then i made a payment arrangement for the company to collect XXXX every month from my checking account. But as i looked at my bank account, the compsny doubled the payment and made two attempts to collect XXXX in XX/XX/XXXX and XX/XX/2017. I called credit collection services on XX/XX/2017 on the recorded line and I told the rep that they are deducting more than what i agreed to and that it made my account overdrawn. The rep looked in the notes and saw where the extra XXXX was coming out. And it showed in her record that only XXXX dollars supposed to come out and stated not XXXX was to come out my checking account. She stated the the company would reverse me the difference and have someone to call me Monday. But today is Tuesday and no one has called me, so i decided to file a compliant.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I 'm supposed to receive XXXX visa cards of {$12.00} each as a mail-in rebate for my purchase at Kohl 's during thanks giving last year. However I received only XXXX and i have been following up with Kohl 's customer support multiple times ( in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). Every time I call them, I 'm told that the XXXX card has been dispatched again and I will have to wait for another 20days to receive it, which I never received. They dont give me a choice to speak to someone senior in the department to resolve this issue. I have screen shots of all chat conversations with the support

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My wife and I have a Capital One credit card. 
On XXXX XXXX, 2015 I received a fraud alert regarding a charge over {$19000.00}. 
I immediately alerted Capital One that this charge is fraudulent. 
On the phone I was reassured that Capital One recognized the charge as fraudulent. 
Over the next months, I had numerous phone calls with Capital One representatives, including several managers. The representatives told me that the charge will go away when their " internal investigation '' is finished. I was told this could take 2 months but in the meantime Capital One would erase any fees and interest. However, for six months I keep on getting the monthly statement with the charge of {$19000.00} and with new fees and interest. 
A few months ago I was assured that the charge will definitely not show up anymore and neither would any fees and interest. However, again, every month I continue to see this charge with new fees and interest on my statement. 
I have spent hours on the phone. It is a very high charge and I feel helpless get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for Kohls credit card and they denied stating that they were unable to verify my SSN. but I see a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Pro Collect. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Pro Collect in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2016-05-31 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
capital one is hitting me with a 30 day late on my credit report. 

between XX/XX/XXXX-XX/XX/XXXX i had setup automatic payments via their website. the payments were supposed to come out of my account on the XXXX of every month. for some reason capital one never withdrew the money from my account. 

Capital one didnt contact me via phone until i was 36 days late. i immediately paid the balance owed. 

now i have a 30 day late on my credit report if capital one system would hav eworked correctly or they had contacted me prior to the 30 days, this would not be an issue i dont think my credit should be stained because capital one system didnt work properly. 

at this point capital one has told me there is nothing they can do. i know this to be false. 

i havent been late on this or any other card in the last 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One filed for a judgment against me in the XXXX VA General District Civil Court which is over XXXX miles away from where I live in XXXX ( XXXX County ) VA. Additionally, the debt was paid through my Chapter XXXX bankruptcy filing in XXXX 2014, and Capital One still has not sent a Notice of Satisfaction to the XXXX Court . This should have been sent within 14 days of notice of payment in full ( XXXX XXXX, 2014 ) as required by the Virginia Code of Civil Procedure, Section 116.850. This continues to appear as an unresolved debt on the Virginia Online Court Information System website and on my credit report, and is preventing me from obtaining a VA-backed home mortgage.

Company response to consumer: Closed with explanation