vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am having a dispute with Capital One over a credit card charge that I never authorised for {$1600.00} for NV XXXX XXXX back in XXXX 2015. 
Capital One have sent me a credit card slip, but it does n't have my legal signature and therefore is not vaild.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
someone has stolen my identity and opened up this fraudulent account with your company and you have still tried to collect on it and report to the credit bureaus ... this account is totally fraudulent and needs to be handled immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services is reporting inaccurate and damaging information to the XXXX major credit bureaus under my name. Several attempts were made over the past week to resolve the matter, but instead low level suspervisors who did not understand FDCPA and FCRA refused to take action to remedy the violation and also refused to transfer the calls to senior management. The XXXX agents were XXXX and XXXX. There wer prior calls to other personnel in the department who refused to correct the problem.

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: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I would like to make a complaint against Capital One Bank and their other division Capital One 360related to the transfer of my funds from a IRA 10 year CD to a IRA money market account. 

Around XXXX/XXXX/15 I mailed Capital One 360 the required form for a Trustee to Trustee transfer of the funds from a IRA CD with Capital One Bank that was maturing on XXXX/XXXX/15. 

On XXXX/XXXX/15 I called Capital One 360 to verify their receipt of the transfer form. They verified having received the transfer form and informed me it was signed, approved, and mailed to Capital One on XXXX/XXXX/15. 

On XXXX/XXXX/15 I called Capital One to see if they received the paper work from Capital One 360. 
I was informed they did not receive it and that the transfer form should have been mailed to Capital One not Capital One 360. I argued with the Representative that what she was telling me was incorrect and the form must be sent to Capital One 360 and they must sign it and then forward it to Capital One. 
She insisted that I mail a copy to Capital One which I did. 

In addition, on XXXX/XXXX/15, I called Capital One 360 and asked if they could fax the form to Capital One and they refused. 

On XXXX/XXXX/15 I received a message from Capital One to return their call. 

I called Capital One on XXXX/XXXX/15 and they inform me that could not accept the form I just mailed them because it was not signed and approved by CAPITAL ONE 360. which is what I tried to explain to the Capital One Representative on XXXX/XXXX/15. 

At this point I requested to talk to a supervisor at both divisions. 

After discussing what had transpired in the past it was agreed that Capital One 360 would fax the original form to Capital One today and confirm it by Email to me. Never received any confirmation. 
I would have expected at least XXXX of the supervisors ( XXXX ) would have folllowed up on my problem. 


Capital One said they did not receive the form from Capital One 360 because I had the wrong address of Capital One on the form, this is completely FALSE, because I put the address that Capital One gave me and is on all their correspondence XXXX XXXX XXXX XXXX. XXXX. In addition, if it was incorrect Capital One 360 should of corrected it. 

At this time I have no idea when I will have access to my money. 

Banks should be penalized for not making customers funds available because of their incompetence. 

My funds not being available when due has cause me major problems. 

I have another CD maturing on XXXX/XXXX/15 and because of the new IRA rules requiring trustee to trustee transfers for IRA rollovers. I would like written instructions from Capital One on how to get my money transfer to another institution on a timely basis. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have a credit card account with Capital One and they are not Reporting my payment of {$470.00} on my account there showing I owe {$430.00} but It should show I have a XXXX Balance on Credit Card Account. 

By not showing my payment they are effecting my Credit Score And I am not able to apply for things I need on Credit. I want You to force Capital to reflex my payment and to Close my Account showing I paid in Full. 

I know longer want to do business with such a Despicable company. 
Capital One is Dishonest and they hurt their Customer Credit Scores. 

Waiting to hear from you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a credit card account with Capital One. I recently found out that they reported me 30 days late XXXX to the credit bureaus between XXXX XXXX and XXXX XXXX. I do n't agree that I was ever 30 days late and contacted Capital One on XXXX separate occasions to dispute their claim, beginning on XXXX XXXX, XXXX. I 've requested my account statements as proof of my delinquent payments XXXX separate times now. They have sent me XXXX letters stating the proof was enclosed but there were no statements included with their letter nor any other type of proof. I 've called them repeatedly requesting proof of their claim and they keep telling me I have to submit my request by mail or fax, which I 've done. They have yet to provide me with any documentation that supports their claim which is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A credit card bill over XXXX years old. Charged off on my credit report. Still being harassed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
capital one cc says I owe XXXX for a credit card I never opened..i used to have a card XXXX years ago, but filed chapter XXXX bankruptcy since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been disputing these items through the credit bureau and they keep them on my report. There is a car loan listed through Capital One, that was updated on XXXX as a repossession on a vehicle that I still have and that is n't on repossession status that I still have and I am current on. Also, there is a credit card listed on my credit that does n't belong to me. I have never had a credit card ever, with Capital One. I need this removed off of my credit immediately. I called them to rectify this, but they say that it is n't in their system, but I have proof from my credit report on both issues showing this. I need this resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account is closed been closed since XX/XX/2008 and I want this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Bank, despite several attempts by myself to formally place a change of address with them, has continued to issue new bank cards via mail to an old address no longer my place of residence. Despite my personally appearing at my local branch to change my address noted on my personal account, Capital One Bank recently sent via mail a new chip card for my personal checking account. My local branch manager states that this error is due to Capital One Bank card processing department. Either way, Capital One card processing and Capital One has jeopardized my personal financial identity security by releasing a new bank card to a residence I longer reside at. Their incompetence to update their data base with my new current address, which has been updated on the actual account has put me at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX is reporting an open account XXXX XXXX XXXX. This is not accurate. They may have acquired this fraud debt then but I have been disputing this matter since XXXX of XXXX. I was XXXX to XXXX from XXXX XXXX XXXX XXXX. Someone purchased a motorcycle in my name! I have asked repeatedly for the documents to prove I made this loan. I have NEVER received anything. The reason is because I was not in country to make this loan. I provided both the original creditor and XXXX this info. No response. I have spent more than {$100.00} sending them certified mail, no response. They are first reporting a debt that is fraud and second reporting the date of when they got the account, not the actual date the fraud took place. I do not know what else to do. Someone also opened a XXXX phone line during this time, XXXX has since taken the reporting off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
My mother opened this account without my permission using my social security number. When I called the collection agency the person I spoke with did not have my phone number on file he had a number I did not know and then said I owe the debt because it was my mother and replaced the fraudulent phone number that was on file with my phone number and I did not ask for this. I want my phone number removed because I do not owe this debt. This account was opened without my consent or knowledge. The person on the phone also said that it is true that anyone can open an account over the phone with someone 's social security without being fully identified and I think that is unfair and I should not owe this debt. My mother was also XXXX for identity theft and other similar charges and I stated that and the debt still was not removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
on XXXX XXXX i paid entire balance on my capital one card and requested to close my account they are not closing my account and are charging me interest as of XXXX XXXX XXXX how do they charge interest on zero balance i called them they were not interested in cooperating with me can you please help me thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: DriveTime
State: AZ

Complaint narrative:
As a XXXX of DriveTime for 5 years. I took my daughter to the XXXX location. This was her first time car buying experience. I was with the company when they rolled out the XXXX anytime lease program. I thought this would be ideal for her in the event she fell on hard times and could n't continue to maintain the payments. The saleswomen XXXX ( Who was Wonderful to work with ) located a vehicle on another DT lot that was listed in THEIR inventory as " a Starter car ''. The downpayment was {$1000.00}, but you can put down a minium of XXXX and pay the XXXX in XXXX bi-weekly payments of {$50.00}. Then your payment will go down by XXXX. That 's per DT Terms. Well the Manager XXXX at the XXXX completely did A BAIT AND SWITCH. He told her the vehicle she purchased was a higher tier price so her payments would be XXXX bi-weekly she told XXXX she could n't afford that. Even though the saleswoman XXXX checked the system and even called the dealership to make sure the vehicle was still their. XXXX then tells my daughter wait let me make the number work. He put her payments as {$190.00} bi-weekly @ XXXX payments when it should have been @ XXXX payments the anytime cancel lease is for 24 Months ONLY! So why is she doing a lease for 5 1/12 YEARS. Then her payments do n't go down after the remains XXXX of {$50.00} bi-weekly has been PAID. On her contract it states Final payment {$190.00} due on XXXX/XXXX/15 so her payment would be XXXX less. My daughter called DT in XXXX was told by representative there was {$99.00} still due because there was a side note?? She went to the dealership in XXXX spoke to XXXX who looked at her contract was n't able to make heads or tails of it since XXXX was n't there he was confused. He asked my daughter how much did she put down she told him {$890.00} but on the contract it has {$1000.00} that was incorrect. XXXX asked for a few days to get to the bottom of everything he was going to call me. I did n't here him. I called back on Thursday was told he was n't in. I spoke to XXXX who acted like he could n't talk to me about this. He was the one that wrote the contract. He said XXXX was going to call me. kept saying they need to review the tapes?? What tape this was done inside the dealership not over the phone. Furthermore XXXX and my daughter was in the dealership until XXXX the night she purchased the car. That was ridiculous it does n't take 3 hours to write up the contract. I work for a XXXX I AM XXXX for XXXX of the XXXX 's. IM SO DIAPPOINTED IN DT for not taking ownership for XXXX 's me stake. XXXX not having the decency to call me back and we could go over the contract together. I know the DT Core Values. This is Not how they do business. XXXX needs to be re-trained on contract writing. Both men need to take ownership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
Purchased a house in XXXX/XXXX/2014 the initial mortgage was with XXXX then sold to XXXX and then XXXX. We received a letter from XXXX that they just purchased our mortgage and that was it so we paid them every month and never a problem. Then we recd letter stating new mortgage co Penny mac never received our payment so called found out it was sold again and payments had n't got forwarded. So talked to customer service and they said to sent new payments and they would correct it and no problem they never notified me of no payment late payment no call. then I find out its on my credit report and now I cant refinance.. We were never notified till after the fact that they never got the payments we made them and have a good payment history and now because we were never notified they have damaged my credit -no call no letter to say never got payments or payments were not forwarded from XXXX ... So I corrected it on phone and made payment they said would never affect my credit because it had n't been 30 days.. But they did and I 've tried to fix it with them but they are difficult to work with. They insisted they did n't put it on our credit but its there ... We had nothing to do with this they should of notified us that mortgage was sold again..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Essential Retrieval Group
State: MA

Complaint narrative:
They keep calling me and wo n't say who they are, just that they were hired to collect a debit I owe. And when I try to explain that I do n't owe any XXXX they start saying they are sending someone to my home with a summons. They are now harassing me. How can I make this stop?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC
State: IN

Complaint narrative:
In XXXX XXXX, my wife and I bought a house - the mortgage was set up with XXXX. Shortly after closing, Access National sold the mortgage to CMC Funding ( " CMC '' ), a wholly-owned subsidiary of Capital Markets Cooperative, LLC. We were directed to send the monthly loan payments to XXXX. 

We have had problems with XXXX servicing our mortgage. Specifically, we had XXXX problems when we attempted to make additional payments to reduce the remaining principal on the loan. On XXXX XXXX, XXXX I sent XXXX checks totaling {$40000.00} to pay down the principal. On XXXX XXXX, I noticed ( on the XXXX web site ) that checks had not been applied to our account nor had the checks cleared our bank accounts. I called XXXX 's customer support to inquire and was told I had sent the checks to the wrong address - even though it was the address listed on their web site and the same address that I had previously sent checks. Over the past week ( XXXX XXXX thru XXXX XXXX ), I have worked with XXXX to resolve the issue. XXXX 's president, XXXX XXXX was very responsive and I have no complaint regarding XXXX. 

I also attempted to contact CMC because to my understanding, my legal is agreement is with CMC, not XXXX. They were completely unresponsive. Their web site directed me to call a phone number for a person that covered the Midwest. I left a message on XXXX XXXX requesting a call back - no call back - and called again on XXXX XXXX - no answer. I attempted to contact CMC via an electronic form on their web site - the form does not work. I contacted their XXXX, XXXX XXXX, via LinkedIn and received no response. I called a phone number on their web site - not only was there no answer, there was no voicemail. I talked with my contact at XXXX and apparently they were unable to get a response from CMC. 

While CMC 's internet presence is what I would expect for a mortgage company, their lack of response makes me question whether they are a legitimate company. How can a company be in the mortgage business and yet be unreachable by phone or electronically? 

I have a lot of questions for CMC - first of all, why was my loan assigned to a loan servicing company in XX/XX/XXXX known to have terrible customer service under their previous leadership - and later found to be guilty of fraudulent business practices? I want to know what is going on with the " wrong address '' problem. Did CMC intentionally make it difficult for customers to pay down the principal with additional payments? I also want to know if CMC was involved in the Equity Accelerator scheme. 

Last, I want CMC to hear firsthand from me regarding the impact of these problems - the trouble that it has caused me. My legal agreement is with CMC and I hold them accountable for all of these problems and consequences.

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 2016-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC
State: NJ

Complaint narrative:
I have been receiving harassing phone calls at my place of employment. The multiple callers refuse to disclose the reason for their call ; have been rude to other staff in the office ; and have been asking inappropriate and personal questions about me. This is now jeopardizing my continued employment at this firm. I have been placed on probation because of these continuous disruptive phone calls. In running a search of the phone numbers left for a call back ; I have been able to identify the company as " National Credit Adjusters , LLC '' with an address XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, KS XXXX. The phone number is XXXX XXXX XXXX and the extensions vary, XXXX, XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 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: Midwest Recovery Systems
State: SC

Complaint narrative:
I recently have been working on my credit and when I got an alert from Midwest recovery for collections - I was shocked. Not only am I unable to verify any correspondence since 2012 - when they are saying the account was open but they have the incorrect address on file. I do n't understand how after 4 years this can pop up without any prior notice. I 've had the same address for over 3 years and has been updated on all my credit reports. If they were to properly provide a notice of attempt to collect a debt - they could have easily found my home address. In XXXX Carolina, by law a debt collector can not continue to attempt to collect a debt without good faith attempt to contact the individual. I have not been contacted at all. Please help in getting this off of my credit reports and have the company provide proper service proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
the original creditor XXXX account was and is part of a chapter XXXX bankruptcy they have sold the account to another Leander for the 3rd time HILLCREST DAVIDSON AND A

Company response to consumer: Closed with explanation