vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2016, I received a letter from USAA requesting additional documentation that could confirm my military service to ensure access to USAA 's products. 
( I did not request any services from USAA and I have not been in the service ) I called them on XX/XX/2016 - someone applied for and was granted a debit card ( Account # XXXX ) using my personal information. ( Currently - my credit is frozen in all XXXX credit monitoring services ). USAA agent said they do not do credit checks if someone opens a debit account. This illegal account is now locked. This fraudulent account was applied for and approved online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
Diversified Consultants keeps calling & not leaving a message. Number is XXXX. When I called the number back it states it 's a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
XXXX overcharged me {$200.00}. I repeatedly asked them for a complete accounting from day one, about 12 months or so. Eventually I stopped receiving correspondence from XXXX. About XX/XX/2016 I received a dunning letter from XXXX XXXX, Diversified Consultants , Inc, XXXX XXXX XXXX, XXXX, Fl XXXX, demanding the same {$200.00}. 
I responded on XX/XX/2016, certified mail, again advising the charge was an error or submit a complete accounting to me. No response & now I find a negative collection on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
We purchased a vehicle in XXXX 2012 through Capital One bank. My husband was XXXX XXXX military at the time and had just left for XXXX. He was not getting correct pay while on XXXX and we got 3 months behind on our auto loan. Capital one said it was ok because he was covered under the SCRA and to pay when we could. We checked his credit to see that Capital one had charged off the auto loan after 3 months. We paid what we could on the loan when we could. My husband retired from the military and we did n't know how to deal with the auto loan showing as a charge off so we called Capital one to find out what to do. They told us if we could sell the vehicle, the remaining balance would be zeroed out and sent to the IRS as debt relief " income '' that would need to be filed with our tax return. We took the vehicle to our local dealership and took a huge loss on the vehicle. Thinking we would just have the balance as " debt relief '' we accepted the deal. Our credit reports are still showing a balance owed of over $ XXXX and none of the credit bureaus are showing as settled. I spoke to more than one Capital One representative who told me the balance would show as zero since we have to claim the remaining balance as income. Now they are telling me that is not how their settlement amount works. We took a huge loss on our vehicle when we just could have gone to our bank to refinance the loan instead. Capital One was dishonest with us before the vehicle was sold and I feel like they told us what we wanted to hear in order to have the account settled so they could write off the remaining balance. We are now going to lose the house we are in because we are temporarily renting until we can get a loan from our bank. Our bank requires a XXXX balance on any charged off accounts before they will do the loan, which is why we trusted Capital one when they told us if we sold the vehicle the balance would show as XXXX because we have to claim the remaining as debt relief income. If we have to claim $ XXXX as debt relief income, how can Capital One still list $ XXXX as balance owed? If the IRS is penalizing us for that balance, and Capital One is writing it off, how is it legal for Capital One to still say we owe it?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One XXXX charged me interest on my previous balance before the due date of my statement. My XXXX XXXX, 2016 statement balance was {$590.00} with a due date of XXXX XXXX, 2016. I paid the balance in full on XXXX XXXX, 2016 : 12 days before the due date. However, my statement dated XXXX XXXX, 2016 states that Capital One charged me interest in the amount of {$5.00}. This is the second time that Capital One has charged me interest when I paid the balance in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was approved for a capital one XXXX card with a credit limit of XXXX on XX/XX/XXXX of 2015.  A few days after being approved I logged in online only to see that my new card was restricted. I called in immediately and notified them of the message I received  to the representative, only to transferred from rep. to rep. and placed on hold for long periods of time until I eventually hung up with my issues still unresolved. I filed a XXXX complaint and its been XXXX days and there has still been no response. I feel that capital one is intentionally blowing me off.  How do you approve someone for a credit card and immediately restrict it with no explanation?  I applied for a few other cards the same day and had no issues.  please resolved this matter A.S.A.P or I will cancel my other existing account with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was being charged twice for many transactions since XX/XX/XXXX. Unfortunately I only noticed in XX/XX/XXXX so I filed a dispute. Capital One only gave me back the amounts for the transactions within the last XXXX days and told me they will no diapute charges further than XXXX days. The charges are from different companies, not just XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Collection Service of Nevada
State: NV

Complaint narrative:
My husband and I pulled our Credit on XXXX, and unfortunately came across an account that has been Reporting every month the past 2 YEARS, stating we have n't paid when in fact we Paid In Full, With Cash 2 Months after the Creditor Reported it. I went to the Original Creditor XXXX, Spoke with the Manager, showed her my Paid Off Receipt from XXXX, Showed her the picture I took of My Credit Report and gave her the Collections Name : Collections Services Of Nevada & Number. She then went behind a desk for a brief moment. Came back and said she left a message but no one answered and it would n't be until Monday that We hear anything. I then left, and immediately called as I got in our car ( Hubby was driving ). I got right through to the Legal Department and Spoke with XXXX from Collection Services Of Nevada. After explaining our situation, she got ahold of XXXX who was the Representative on our account who was going to put in the XXXX for it to be deleted from XXXX of our Credit Reports. XXXX then told me that someone just called while we were on the phone and Reported that we had paid it off in full 2 years ago! She then requested She get a Fax number from us so she could send over the XXXX form right away and that she was also sending it in the mail. I went back to City of XXXX, Spoke with the XXXX and requested ALL our payment history from the past years and that I was well aware she JUST NOW REPORTED that we paid it off. I asked her several times why she lied to me and pushed me out the door. After printing all my requested information, she apologized and got teary eyed. Now I was n't looking to make this lady cry, I simply want answers as to why this was n't handled property or CORRECT 2 years ago!! I was told by XXXX from Collection Services Of Nevada that this will be handled BUT given the prior history, I DO NOT feel comfortable and need this handled as this was not right!!! Not only have we had a current Power & Electric Bill with the Creditors XXXX the past 2 years because we have to, it 's hpw our lil town has Electricity, but come to find out they NEVER reported is paying it off the past 2 years! When we messed up we had to pay them EXTRA money to get power back in our name, so what happenedS when the Original Creditor Messes up OR the Collection Agency??? We just want answers please aND Thank You! Sincerly, XXXX and XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 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: FL

Complaint narrative:
I paid Credit Collection Services ( CCS ) for a delinquent payment to XXXX for {$310.00} on XXXX XXXX, 2015. The payment was processed and deducted from my account on XXXX XXXX, 2015. When I called CCS to inquire why the payment had not been reflected on my credit report they responded that they did not own the account at the time of payment, however, the check was cashed and processed by CCS. If they did not own the account, why did they cash the check nor inform me of this information. After writing to them, they have processed a refund check for the entire amount.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a used XXXX XXXX XXXX in XXXX XXXX from XXXX XXXX XXXX in XXXX GA. The loan was financed through Capital One Auto in the amount of {$16000.00} and the finance charge was {$12.00}, XXXX which brought the total to be paid at {$29000.00}. XXXX at an interest rate of 20.75 %. I have been paying anywhere between {$400.00} and $ XXXX month since XXXX/XXXX/XXXX and to date the payoff amount is over {$15000.00}. The car, even at the time of purchase was valued way less than the total amount financed, but the dealer convinced me that it was the best deal available at the time. It was my very first time purchasing a car and I was in a really bad financial situation and needed the car in order to maintain my job. In addition, I was ignorant to most of the terms and language that was used during the deal. I am now convinced that I have been a victim of predatory lending. What can I do to get out of this loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
When vacationing in XXXX on a cruise, I took a bus tour to view the XXXX. One of the stops along the tour was to a jewelry store/tourist section that offered free samples of cake and rum. While there, I purchased a XXXX watch and signed all my documentation for this sale. While waiting for the merchant to take links out of the watch, I was persuaded to buy a tanzanite ring as well. The merchant did n't have my size at the store, but told me that they could quickly get it there. After waiting a few minutes, the tour guide told me we would have to leave in order to see the remaining parts of the tour on schedule. Since the tour guide and the merchants seemed to know each other, they suggested that the bus could swing by on the return to the ship to get the ring. After the tour, we did swing by and the tour guide offered to go in and get the ring since I had my XXXX son asleep in my arms. When she returned, she told me that the ring was still not there and that it would be delivered. She handed me a business card with the merchant 's information and I assumed the merchandise would be delivered to my stateroom. Needless to say, I never received it on the ship or at home and after numerous calls, I ca n't get anyone to respond. Now after disputing this charge with Capital One and explaining this to them, a credit was issued and I was told that the merchant would have 90 days to respond. They did respond and with a copy of my sale 's receipt. Mind you, the sale of the ring was added to my original receipt for my watch purchase. Capital One denied my claim and put the {$910.00} back on my card. I contacted them and everyone seemed very understanding and sent it back to the dispute department. I spoke with someone on today, XXXX/XXXX/16 and explained the story again. The rep tried to reach out to the many numerous numbers listed by the merchant with no success to see if we could get this matter resolved. She then spoke with her supervisor to see if the funds could be credited back. Unfortunately, although they believe my story and believe that I never got the merchandise, they can not help me in recovering my money. What is the point of credit card protection?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Auto Finance refuses to remove credit history of an old account paid in 2011. After several Good Will Letters explaining what caused the late payments and the current need to have it removed. They have denied my request several times. 
Also after sending all pertinent information of where to send response they sent to an old address listed in 2011 which shows they did not even read my request showing all updated information. 
Please help. My wife and I are currently XXXX and need to buy a home with my son and his wife so that they can help take care of our XXXX needs.

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

Complaint narrative:
The retail company switched the finance company which handled their company credit card. Through the process they discontinued my auto pay and did not notify me of the change although they had my contact information. They finally called me when my account was 32 days late to inform me my account was 30 days delinquent. I have since brought my account current and setup auto pay once again, but they refuse to remove the XXXX missed payment in my credit history, which was due their internal process errors and lack of proper notification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
As part of a divorce settlement my wife assumed responsibility for three credit card accounts that had been opened under my name and SS #. All the accounts were in good standing at the date of this transfer ( XX/XX/XXXX ) with no history of late payments. Unbeknownst to me, my ex went to XXXX to renegotiate the interest rates and payment amount on all three accounts. She was successful, but somehow in the transition from normal status to the credit arrangement with XXXX a series of late payments were reported by the creditors against my credit history. There were a total of eight 30 day late payments reported in a 90 day period. These should not be reported against my credit history since I was no longer legally responsible for the payment on these accounts. My attempts to get this corrected have been unsuccessful. I have complained to the credit reporting agencies, to XXXX and to the creditors directly, all to no avail. These late payments are being wrongfully attributed to me and it has had a ruinous affect on my credit rating. As a consequence I can not rent property or attain any credit at all except at the highest interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
CAPITAL ONE AUTO FINANCE XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CapitalOne 360 Bank put a hold on my checking account. I received threatening email that my account would be closed if I do n't call. i had to call security department to get hold lifted, but security dept did not answer my phone call, despite repeated attempts and call transfers from supervisors. Security then called me from number that did not specify the bank 's name, and the operator had heavy XXXX accent, and would not forward me to supervisor despite repeated requests. I am on phone with the bank for over 3 hours and still no resolution. MY CHECKING ACCOUNT IS ON HOLD, and I can not get access to my money. This is taking advantage of me as XXXX. I have been actively trying to get someone to help me, but all my calls get transferred back to the phone que and no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Innovative Credit Solutions
State: WI

Complaint narrative:
They contacted my employer and told them i would be served with a summons at work the next day. They told them i was being sued. When i called they asked for my personal information and hung up when i did n't give them any. They called me the next day and left a message threatening to serve me at my home. I do not know who these people are and they would not tell me what i supposedly owe and to who.

Company response to consumer: Closed
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I spoke to XXXX around XXXX Pacific Time. The call was regarding a missing card that I never received. He asked for my address within the conversation. XXXX stated the address was updated on XXXX/XXXX/2015 around XXXX. However, he would not give me the previous address on file so I can verify if it was my previous address in the past. So I asked for IP address to confirm it actually took place online from me ( In case I changed it and missed some details ). He stated they do not have that on record. My statements for the month of XXXX 2015 have my correct address. So my card was sent to a different address that Capital One does not want to provide to me. I need to know why it was changed, why my card was sent to another location even when my statements are arriving to my current address. I was a victim of the XXXX data breach and I need this to take actions to protect myself and make sure I can contact the Credit Reporting Agency if the address was fetched from their databases. I am including a copy of statements from XXXX 2015 ( prior to the stated address change date ). The statements have my current address and I have been receiving mail successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I owe Capital One on my CCD {$650.00} with a minimum payment of {$170.00}. I am behind by three payments ( 3 months ) so far. They have called me 46x ( recorded ) this month alone about the amount owed. I have spoken with them and told them that I am aware but had other pressing matters. I have asked them to only call me once a day at the very least. They have ignored my concerns. I have blocked their number through an app on my phone that records their calls. I would like them to stop calling me. I recognize the debt and am working on paying them. I have already cancelled one card by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have received various correspondence for my mortgage account telling me I owe this amount or another letter stating that my XXXX, 2016 payment is due, or when I check my balance online it showes a different balance. I am confused as to what my payment should be. Also, to add more confusion to this situation, I have had Flood insurance on this property, since it was required and yet Capital One keeps purchasing flood policy and when I have sent them proof of insurance it does not get applied to the mortgage. Then the Flood insurance department sends me notification needing flood insurance on the property when it has been sent several times from myself & the insurance agent. This is utter confusion for me and for my insurance agent when there is a severe lack of communication between the Mortgage department, Escrow, and Flood Insurance. They have completely mismanaged my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have paid off this debt. The vehicle was totaled in 2014. I have documentation that amount financed and I paid all owed. The company is trying to charge me additional money. The company is not taking off for the amount owed at the time car was totaled. They are asking for money that at time of accident but they want to get money that is nothe owed.

Company response to consumer: Closed with explanation