vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX I HAD multiple failed attempts to a remove a 30 day late payment due to a financial hardship and also a mistake with customer service in which they waived the late payment fee however failed to explain that it will be included in the next month 's minimum payment caused me to fall behind. I decided to open a XXXX dispute. I was contacted almost immediately by someone I believe in the executive office who said she expected to get back to me the following Monday and if not way before XX/XX/XXXX. I am still in the same situation and today is XXXX XXXX, 2016 and I have yet to receive a call or response at all. 

I recently applied for an apartment because I have to move urgently however was denied because of a 30 day late payment from you guys I would like have it removed I have tried to always keep my account up date and it is negatively affecting me emotional and physically because i do n't want to end up in the street with a XXXX year old due to not being approved to no apartment. I have disputed it many times and I have been told by different representatives that yes it would be removed and nothing. I had a financial hardship but since then have always made payments. I 'm very disappointed that you would rather see a customer go and its seems as the customer is not important all that is important is the money to be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I received invitation from Bank to open Savings Account through XXXX mail. I applied Online for savings Account, I met with an error and it advised me to call them. When I called them, they denied the Account opening saying I do not have sufficient history from third party regarding my SSN. I asked them if they can send an email about denial or if I can send more documents, proof to satify requirements. They simply said No for everything and denied Account opening. They simply said we cant help. I have excellent credit rating and I am clueless about what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This collection company keep reporting the same debt owed as a new collection every week on my credit report. Every week I receive a notification that this company has flagged my credit report with this same debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 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: NE

Complaint narrative:
i live on ssi and capital one let me have XXXX credit cards and credit XXXX gave me a credit card also payday loans gave me advance on my ssi knowing i couldnt pay it back im barely getting by and i will not be able to pay these debts then i was a victim of loan fraud XXXX called me saying he would pay off my debt if i first sent him a cash advance on all my cards well i did not send it because money gram said it was probably a scam you dont wire money to individuals only companies

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My capital one credit card account fully paid on XXXX/XXXX/2015 and still not reported to the credit bureau as fully paid. The credit report still shows the balance $ XXXX as unpaid. I am waiting for the actions from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i went to use my credit card and it was denied. when i called the bank they said a piece of mail was returned so they blocked the account, i asked for a copy of the returned envelope i was told they shredded it. how can you block an account and not retain any proof. i would like to see if the PO returned or someone in my household returned it dont i have that right. is the banking industry immune to keeping evidence?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had an overdue account for several months. However, in XXXX 2016, I paid my account in full. ( XXXX balance ) I talked to a customer service representative to get the payoff amount and I was given and paid that amount and told my account was current. On XXXX XXXX, 2016, I was told that current meant XXXX balance, but not necessarily active. Several weeks later, I attempted to use my card for the first time in 2016 and it did not work. Upon checking, there unpaid interest charges that were added after I was told the payoff amount. The agent refunded the charges but told me that my account was restricted and I would have to wait three weeks to be contacted about unrestricted offer. I was contacted today and told that my unrestricted offer was denied because their agent told me my account was current but never told me the account was active. However, they did not tell me it was restricted. As a result, I have an open account, zero balance, but an unusable line of credit. When I asked about getting it unrestricted, I was asked two personal questions 1 ) why did you account go unpaid for a few months 2 ) what do you need your card for. 

After I responded -1 ) financial difficulties 2 ) necessary purchase which I can not make with my bank debit card I was told that I did not meet the criteria. I asked why and the agent said - we can not disclose our criteria. Another option is to wait to maybe, not guaranteed, receive a mail offer to unrestrict where there is no criteria. 

I asked repeatedly for an explanation why? no answer. I feel I should get a reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One has charged me interest when I paid the balance printed on the current statement in full and by the due date. The supervisor is claiming this is due to the fact that charges posted afterward. When I questioned the most recent statement, I was advised that this was because my due date was on the XXXX, but my next bill generated on the XXXX, resulting in further charges being due. I asked how I could be charged interest on something that had n't yet been reflected on any billing and the same answer was repeated. The charges have not been credited back to my account. I even asked the supervisor if this is legal under the Credit Card Act, but again, received the same answer. I also read this to the supervisor. The XXXX line on the back of their bill reads as follows : How can I avoid paying interest charges? If you pay your statement 's New Balance in full by the due date ( which I did ), we will not charge you interest on the portion of the balance that you did not pay. It made no difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 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: CCS Financial Services, Inc.
State: CT

Complaint narrative:
Credit Collection Services, XXXX XXXX XXXX, XXXX, XXXX, XXXX, has started sending me fake debt collection notices, claiming I owe a debt to XXXX. They have threatened to put a judgement against me if I do not pay it. I know it is not my debt, but I spoke to an XXXX Representative to confirm there were no mistakes on my account. She confirmed that this was not my debt, and that XXXX XXXX never even uses that collection company. Further, she said even when accounts are delinquent, all attempts to collect debts are done directly through XXXX XXXX, with their own letterhead. So Credit Collection Services is FALSELY stating that they are trying to collect a debt from XXXX XXXX. This can not even be something that has become " mixed up '', or something ancient. I only had an XXXX XXXX account for 6 months last year, and the house I lived in for the last 18 years prior, does not even have gas. No one in my family has an XXXX XXXX account. This is clearly a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received a letter with my address and someone else name for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one closed/locked me out of using my credit card to update the card to a chip. Thus for over 1 month I was unable to have access to my revolving credit as they were unable to send the card during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a Capital One Credit Card account that was opened in XXXX and paid and closed in XXXX. Recently Capital One reported my account to the credit agencies as a charged off account. I contacted Capital One and the representative stated that the information was a mistake and the derogatory account with be removed the credit reports. I recently checked my reports again the information is still appearing on my reports. Once again I contacted Capital One and another representative stated I owe {$1800.00} I stated this account was paid in full at the bank. I send Capital One the receipt and about 2 1/2 weeks later they apologize ancestors once again the stated the the information will be removed from the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My daughter went into several car dealerships in XXXX XXXX and trying to get loan in her name and the dealerships ran my credit without my permission. They did not get a written consent nor a verbal consent to run my credit. I had already gotten financing through my credit union but she was trying to do it on her own and they mislead her and ran my credit as well as hers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank sent me XXXX credit cards under my account, XXXX for me and XXXX for my spouse. The card for my wife was never activated and never used. My wife has her own card with Capital One. Capital One creates a XXXX account for her and sends her a credit card directly without notice to me. Thus, she has XXXX credit cards from Capital One : XXXX of her own and XXXX to me. She incurs XXXX charges totaling {$400.00} on the XXXX card I know nothing about. XXXX, How can Capital One hold me responsible for her charges on a card I never authorized or had any knowledge of?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A Virginia based bank, Capital One 360 has run and continue to run a promotion offering a various bonuses for opening a Savings account. Today my husband and I called the bank to take advantage of its " CHALLANGE EVERYTHING YOU 'D EXPECT IN A SAVINGS ACCOUNT '' promotion. Imagine our astonishment and disappointment to find out that we do not qualify for the promotion because my husband and I had XXXX Savings accounts from a different financial institution some 14 years ago. The Capital One 360 phone representative seems to have an unfettered access to the financial data which we never consented to provide to the bank. From what I understood, financial information about consumers has been acquired through a chain of corporate merges, acquisitions or buyouts or other kind of commercial deals without consumers knowledge of consent. Our personal financial information and financial information of other consumers has been bought and sold on open market. I do n't believe it is acceptable in light of the latest security breaches in banking sector. There should be a consumer protection both on federal and state side, so banking public would know who has their information and how this information is shared or used as a commodity. We should not be detrimented because our personal information has been shared without our consent. When a consumer closes account with a financial institution and ceases relationship with that financial institution, that financial institution should be precluded from selling or otherwise trading for profit financial information about the customer with whom it has no longer has such financial relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I opened a credit card several years ago with no annual or membership fees but was recently charged a {$19.00} membership fee that I never agreed to. When I called to have it waived they refused to do so and claim it was in the original terms of the account but it was certainly not. This is the first time it was charged after having the account for approximately 5 years so I clearly did not agree to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
They are calling for my ex-wife, whatever debts she has have nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 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: CA

Complaint narrative:
I received a letter from Capital One indicating they suspected I was a victim of identity theft. I talked to them over the phone and they promissed they would resolve the situation by doing their own investigation. after that I received another letter which states that they concluded the investigation and they concluded that I am responsible for a debt of over {$4000.00}. I have tryied to contact the Fraud associate that was assigned to my case many times and left multiple messages. I have never been able to reach her or get to a resolution. I have called Capital One and try to speak to someone else, but they keep referring me back to the same person and noone seems to care to assist me. today I have filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My reverse mortgage was transferred from XXXX of XXXX GA to Champion Mortgage of XXXX MI and XXXX TX on XXXX XXXX, 2015. Since that time they have requested and I have sent them Occupancy Certificates and Property Insurance documents that XXXX never asked for. Now they have just sent me a mailing that looks to me like a marketing scam except that the heading claims that I am in default. It mentions solutions that will terminate the mortgage but never says why the mortgage is in default. I think I have satisfied all the requirements of the mortgage contract. I want to get your assessment of the situation before I ignore or contact them by phone or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I am behind in making my monthly payment to Capitol One Credit Card. On 5 previous occasions, I have requested they not call me at work. It is against company policy to receive " personal '' calls at work. I have received XXXX written warning for receiving multiple calls from Capital One in a 2 week period. Calls at my place of employment were received from them on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. I verbally requested they stop calling me at work each time they called with the exception of XXXX/XXXX/16, on this date, I was chatting with them their web page and specifically asked them to stop calling me as I had been written up for personal calls. Again, today, XXXX/XXXX/16, I started receiving calls at work from them. I will AGAIN ask them not to call me at work but I would appreciate some guidance in getting this stopped. I would also like to mention, the on a daily basis, I receive 2 to 3 calls from them on my cell phone. I feel like I am being harassed by this company and desperately request your help in getting this stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 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: NC

Complaint narrative:
I recently reached out to XXXX to help me with loan consolidation. They took advantage of me not really being well educated on the matter and got private information and an upfront payment for services. Upon further research that night, I discovered I could do that for free and that it 's a scam to take money upfront for loan services. I reached out to my credit card company to block payments and dispute the charge. I proceeded to reach out to the student help center where they gave me the run around to get in touch with compliance to cancel the service. I have left voicemail and emails to multiple departments with no response.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I purchased a samsung galaxy phone from a XXXX representative and was told at the time of the purchase that it came with a free tablet and that there was no contract and that I could cancel the device and service at any time. My phone was stolen and I immediately called and reported it and was told that my service would be cancelled and I would not be billed for anything but the price of the phone and to return the tablet to the nearest sprint store. The store refused to even let me pay for the phone and said I breeched my contract and that I owed over XXXX dollars for the phone, tablet early termination and other fees. I also could not pay or work out any deal with sprint because they referred it to a collections agency and told me they no longer were involved at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
Diversified Consultants Inc., never reached out to me to notify me of any debts that I have with them or to notify me of credit reporting. I had no knowledge of their company until I recently checked my credit report, in which I immediately disputed. I asked for verification that they have the correct person, they could not provide me with documentation signed by me stating I owe, or would pay them any monies for the debt in which they are collecting on behalf of. They have n't sent me anything but a paper with an amount and my name and address. Upon receipt of that letter with my name, address, and amount, I sent the company a debt validation letter asking that they send me any and all proof that they used to verify the debt which would include contracts signed between their company and I, or any type of agreement signed by me from their company or that they remove the debt from my credit and stop incorrectly reporting any debts, they have done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PROVIDENT FUNDING ASSOCIATES
State: OR

Complaint narrative:
I have been trying to work with my mortgage lender for two years. They put me in forbearance 2 years ago and never told me I had to pay it back well I have been trying to re-fi the loan for over a year now and month after month they ask for the same documents over and over. I have talked to counselors and they said they offer counseling for Harp XXXX loans but over and over they ask for the same thing. So I filed bankruptcy to save my house and they refuse the bankruptcy I want to keep my house and I have given them proof after proof and they do nothing but ask for the same documents over and over. Its frustrating and very unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 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: Diversified Consultants, Inc.
State: OH

Complaint narrative:
A recent overview of my credit report revealed that Diversified Consultant, is appearing on my credit file. So I sent notice to this company that they validate the debt and send me a copy of the application that was used to open this account. No response back to the debt validation letter. Diversified Consultant is continuing to report negative information on my credit report, even after they have failed to provide validation.

Company response to consumer: Closed with explanation