vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-17 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: NY

Complaint narrative:
CAPITAL ONE BANK has reported to the credit bureaus falls information for an account thats not even belong to me, and that cause my financial life a big damage

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX, I requested a credit line increase on my Capital One credit card, which I have paid faithfully and on time since opening it XX/XX/XXXX. The attached letter is dated XXXX XXXX, which is strange because it was n't available anytime this weekend, leading me to believe that a computer made the decision and not a human being. The reasons stated is " Payments are too low. '' What in the world is that supposed to mean, and on what basis is it made??? XX/XX/XXXX I transferred about {$400.00} over to their card and a 0 % interest rate, meaning that if I do n't be the balance off in full during the promotional period, they reap the benefits of being able to charge me a higher interest rate. 

Additionally, earlier today, XX/XX/XXXX, as a result of their decision, I attempted to call Capital One to opt out of any further solicitation, since I will limit the use of their card in the future. All I got was a string of disgusting doubletalk from a very rude representative, who did n't tell me whether they would actually opt me out or not. I concluded the conversation with this rude XXXX, who acted more like a robot than a human being.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Same behavior exhibited by XXXX/Navient as decribed in this articleXXXXStarted repaying a {$14000.00} student loan four years ago with additional monthly amounts labelled to reduce principal outstanding. The additional amounts were always posted to future interest payments so today the principal balance is {$12000.00}. XXXXNavient harasses constantly for advance payment of monthly amount due and NEVER applies additional principal payments to the principal. This is a huge rip off and is not like other responsible student loan processors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MiraMed Revenue Group LLC
State: IL

Complaint narrative:
This is from XXXX Hospital where my insurance says they double billed me & wo n't pay. 
So I have been making payments to the hospital. 

Therefore it should not be in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently missed a payment with Capital One in XXXX and XXXX 2016. I began receiving harassing calls at my place of employment regarding the missed payments. I agreed to setup a payment with Capital One and discovered my account was restricted due to alleged fraudulent activity on my account. I spoke with several agents that were unable assist in helping to explain this issue. I spoke with a supervisor XXXX XXXX on XXXX XXXX, 2016 regarding the fraudulent issue surrounding my account and was advised to provide documentation regarding a suspicious address change XXXX XXXX, 2016. 
I have n't reported any suspicious activity on my account I just missed XXXX payments on my account. I have n't requested to change my address on my account. I have n't had any issues until now that I have missed XXXX payments but, my account has had perfect payment history including an increase of my limit on my account prior to XXXX 2016 before I missed those payments in XXXX and XXXX. Why is my account restricted? Why is it that your supervisor that is paid to provide answers and represent your company in a professional manner ... .CANT! I 've always made my payments online via my checking account info which verifies who I am ... or over the phone. I do n't understand. My contact phone number may be outdated on file because my number has changed but, my address remains the same. I can provide a recent statement delivered to my current address. 
I have verified my info with several agents, my account was verified at my initial setup when I was approved for my account over a year ago, I receive statements at my current address and calls at my place of employment so, why is my account restricted?? but, XXXX refused to provide a Customer Relations Mgr 's contact information or provide an opportunity for me to address my concerns in writing ; he also refused to provide any information detailing this alleged fraudulent activity. I 'm disgusted that as your customer I 'm being treated like a criminal and being refused access to the account I am liable for and that is still currently being reported to my credit report on a monthly basis. I am uncomfortable with forwarding my SS card, ID and other personal information to Capital One when they ca n't ensure that my account or my information is SAFE or provide me with any explainations as to what is happening with my account besides that " my address was changed to a suspicious address '' without my consent but, I have to forward info ... .although I have n't reported any suspicious activity with my account ... ..why was my account singled out?? I need some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am a victim of identity theft and I lost my Capital One Bank XXXX and someone used my credit card and made over {$1300.00} in fraudulent charges that Capital One Bank is trying to hold me responsible for the fraudulent charges. I do not owe for this debt. The charges are not my charges. A representative called me from Capital One Bank and verbally abused me by swearing at me, telling me the fraudulent charges was made by me and threaten me with arrest and legal action. Capital One Bank is in violation of the Minnesota Debt Collection Laws and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is reporting an inquiry on my credit reports and I never applied for anything with this organization. I am asking for the fraudulent inquiries to be deleted. They were discovered when I saw on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 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: OK

Complaint narrative:
XXXX Insurance has put a charge on my credit for a debt that I do not owe. I called them before to ask for a quote before but i have not had insurance thru them. When I call to try to get info for them to verify this debt that i suppose to owe, they suppose to mail me something and I have n't seen anything yet but they reported it on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Received a letter from XXXX XXXX XXXX : Current Creditor XXXX XXXX XXXX stating that I owe XXXX. They informed me that because the Law limits how long you can be sued on a debt XXXX XXXX XXXX will not sue me and will not report it to any credit reporting agency. So XXXX XXXX XXXX has placed this account with XXXX, they are asking for XXXX XXXX time payment and the matter will be closed. I am a XXXX employee whose data was hacked twice, This Debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Due to a XXXX ( " XXXX '' ) in XXXX XXXX applied to have my Student Loan quashed, as I was unable to be fully employed and was on several medications. I was also granted a " XXXX '' registration decal. I notified Nelnet I was diagnosed with XXXX, and a high susceptibility to Stressors ; and a XXXX XXXX. As a result, Nelnet , Inc. " discharged '' my loan, in full. Months later, I began getting almost daily notices fron Nelnet, all unsigned, saying, I was put on stanby status with the loan, and some letters saying it was already re-instated? Some letters said my loan was put on a standby monitoring period, depending on me signing new paperwork, and if I did n't comply, the loan could be re-enacted. I have n't, nor do I plan on signing any " new '' documents which I feel will be used against me to re-enact the discharged loan. When I asked Nelnet for proof in writing on where they were getting their new procedures from, they ignored me. Whenever I requested a " point-of-contact, '' I wasalso, outright ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis has been reporting inaccurate information that actually belongs to someone else under my name. I have reached out to them several ways. I inquired about the error, but never received an answer. They only corrected the information and sent an updated report. The damage was already done because insurance companies have been charging me based on their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Bank is presently advertising this special savings account : XXXXWhen I contacted them to open this account, they refused to extend the offer to me, saying that I had an account there once before ( which I closed in good standing XXXX years ago, in 2007 ). I have excellent credit. There is no reason for them to refuse to let me open this account now. What do you think?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: MiraMed Revenue Group LLC
State: NY

Complaint narrative:
I received a letter in the mail today XX/XX/XXXX, from the MiraMed Revenue Group, LLC, claiming they represent XXXX XXXX For a date of service of XX/XX/XXXX. My husband called the MiraMed XXXX XXXX ) and asked them what this was about. They wanted extra information about me, so my husband told them that we are thinking they are trying to run a scam to collect money. That we have never done business with this XXXX. We also contacted our health care insurance and they told us any medical bill that we have not received for a service that is over a year old does not need to be paid and the insurance company will not pay on it either. That all medical groups know this. So that is why we feel a scam is trying to be run.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a fraudulent {$250.00} charge applied to my account on XX/XX/XXXX. The name on the transaction was XXXX. I disputed the charge with Capital One and they agreed to investigate. As of today I have not received any update on the dispute and it has been over 6 months. When I call or email Capital One about when I can expect a {$250.00} credit for the fraudulent charge I get no answers. I wanted to close this account XX/XX/XXXX but Capital One said that since a charge is in dispute I would not be able to close the account. Consequently, I had to pay the {$39.00} annual fee and do not even want this credit card anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposited some money with Capital One 360 to try it out about a year ago. I called today to tell them to close the account and send me my pitiful account balance. I was told that I have to validate the test deposits before I can close my account and get my money back. So they had no problem taking my money in the XXXX place, but when I want it back I have to jump through hoops to get it. I have never heard of this process with any other institution. It is not about the money, it is about the stupid process to get my money back ... I thought they were " No Hassle ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX, 2015 I called Capital One Auto to get a settlement amount for the repossessed vehicle that they have already sold. I asked them to send it in writing with the amount and the payments that were agreed on. I was told that this would happen. Three days later the loan was written as a charge off and I 'm told that there is no one to contact for this account at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have XXXX credit cards with Capital One with excessive interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was checking on my balance of {$2000.00}. The installments have been made before due dates but I noticed lately that a late payment fee is being added to the account of {$30.00} every month ... Every payment has been made on time ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened CapitalOne 360 Savings on during XXXX, 2015. As per this account terms and conditions - I was suppose to get {$500.00} bonus if i deposit {$50000.00} within 10 days which i did. 
XXXXHere are the terms and conditions:1. Open your first 360 Savings account by XXXX/XXXX/2015 XXXX XXXX EST. 
2. Deposit {$5000.00} or more from an external account within the first 10 days of opening and maintain that balance daily for 90 days to qualify for a {$50.00} bonus. If you deposit and maintain {$10000.00} or more daily for that same period of time you 'll earn {$100.00}, and so on upto {$500.00} total. ( Check out the chart for more details. ) XXXXI deposited $ XXXX within 10 days on XXXX/XXXX/2015 and today it 's 90 calendar days. Few days back I send them a fax asking about the status of my {$500.00}. Called up also. Then i come to know that they are not going to give me any {$500.00} as i had ING Direct account in the past. ING Direct was acquired by CapitalOne. 
This raises few questions:1 ) This should have been told to me long time back and not after 90 days. 
2 ) They are violating the terms and conditions at that time ( back in XXXX 2015 ) though terms and conditions when i checked today is saying what they are talking about now. 
3 ) There is no message center via which customers can send email to them or send a message ... .just a phone number that too working during east coast time. 
4 ) This is a new account - i never had XXXX degree checking account with XXXX One-why they are trying to have an excuse that I was having a savings account with ING Direct. Let 's say there is an " XXXX Bank '' which gives me a cash bonus for opening an account and Capital1 acquires that after 5 years - will Capital One will come back to me to get that money back? 
5 ) Are they taking all the liabilities and action suits against ING Direct also? 
According to me this is a mere excuse not to give {$500.00} bonus. 
Attaching all the documents and promotion snapshot ( from XXXX 2015 ) itself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX - {$170.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XXXX/XXXX/2016 please remove accounts from my credit report.

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 2015-10-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I had ( XXXX ) XXXX Capital One Credit Cards. XXXX was for business, and the other personal. I had always tried to be timely on payments. I worked late a lot, and at the time their web page stated that payments could be made until XXXX. There were times there I would get home late from work and not submit my payment until close to XXXX. They would then charge me a late fee. I complained several times. They told me payments made after XXXX were late, but still accepted until XXXX. The web page did not say that at all. Then the real problem began. I would get on to make payments and I would get several errors like " you request did n't go through '' or " the site is down. '' This would happen frequently. This would then cause the payment to be late. I did not know what to do. I have tried several times to remedy this with them but they continue to claim that I never contacted them. I will attach several letters. Upon request, I have several letters from the Attorney General of Indiana also. I feel that they purposely mislead people on the payment acceptance. This caused me to go into default and now stuck in collections. I went into default because they would charge late fees, cause the limit to go up and then charge over limit fees. There must be a remedy to this before I am forced to obtain a lawyer. This has resulted in MASSIVE interest rates when trying to obtain credit from reputable sources, including countless hours spent researching and fighting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
I purchased a total of XXXX gift cards with a value of {$490.00} on each card + {$4.00} fee each at XXXX XXXX. The XXXX cards were split between XXXX transactions of XXXX cards each, including fees each transaction was {$2900.00} XXXX XXXX * XXXX + XXXX ). My XXXX transaction of XXXX cards, all XXXX cards showed as not activated. XXXX did a refund of the XXXX cards ( - {$2900.00} ) that did not activate and did a repurchase of XXXX cards for {$2900.00} on a XXXX transaction since the XXXX transaction all cards showed as not activated. Technically XXXX cards at {$490.00} each were purchased ( though charged for XXXX see receipts ) with XXXX being returned, leaving XXXX cards that I should have active with funds on them. I 've sent my receipts from XXXX XXXX, including the electronic sales journal that XXXX ( the store manager ) of XXXX XXXX provided to support what happened. InComm says XXXX cards were used at the United States Post Office, which I did. XXXX cards {$2900.00} ( $ XXXX + $ XXXX ) are unaccounted for per the receipts I 'm providing that shows I was charged for XXXX cards at {$2900.00} x XXXX = {$8900.00}. Per the receipts, where is the missing XXXX cards/funds? I would like my funds for the missing XXXX cards ( not activated ) refunded to me in the amount of {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I repeatedly asked for verification of this debt to prove that it was indeed mine. I have net received any proof that this is my debt. All that is sent to me is a previous bill that was issued. Once a fraudulent account is open of course there will be a bill generated that dies not provide verification that the debt is valid. Please delete from all credit reporting agencies at once and stop violating my rights

Company response to consumer: Closed with explanation