vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-23 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: FL

Complaint narrative:
XXXX REPORTING A DELINQUENT ACCOUNT STATUS ON MY XXXX XXXX XXXX XXXX. I SENT 2 NOTICES REQUESTING VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have XXXX prior Capital One Credit Cards showing on my credit report as past due. I called capital one and told them to send me statements, which they have not done. 

I would like them to remove these from my credit report permanently, as I do not own these accounts anymore. My credit score has been completely destroyed due to these misreported items and failure for Capital One to send me any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am putting in a complaint against Lexis Nexis XXXX because they have placed an alert on my consumer file that has made it difficult for me to apply for credit. I have tried to contact them on this to no avail. I would like my file to be free from any alerts and for my file to be placed on freeze status instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One took my payment made on XXXX XXXX, 2016 and did n't apply the payment to my credit card account thereby leaving an outstanding balance of {$430.00}. I should have Zero Balance with a credit of {$38.00} Dollars. 
Because Capital One stole my payment of {$470.00} and did n't apply it to my account they messed up my Credit Score and brought it down to XXXX. I use to have a Credit Score of XXXX or higher. 
I went to purchase a car and because of Capital One my interest Rate was XXXX per cent and I had pay {$2000.00} Down Payment. I want Capital One to apply my payment of {$470.00} and Close the account in good standing stating the account was paid in full with no missed or late payments every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 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: IL

Complaint narrative:
They told me that it would not hurt my credit and I can dispute it and it will be removed. This was false and I was misled into thinking this account would not damage my credit score but it has tremendously. Want this account removed from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I sent an offer in the form of a letter and check, I stated that if the offer was not accepted that I was advising that this is a cease and desist. They sent my check back and said that since I wrote in remarks in the memo of the check they could not accept it so that means the cease and desist is active.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
TRANSACTIONS FOR XXXX XXXX # XXXX www.capitalone.com/XXXX The credit card company online notification was not reached via e-mail thus causing the account to be past due for over 30 days, when credit monitoring alert advised of such inquiry it was handle in the same day paid in full. I have called the credit card company and they have reversed the late dues and agreed to reverse the bad inquiry however they say the can only inform credit bureau they can not reverse the inquiry, which has caused the credit bureaus to lower score by XXXX points which sounds quite substancial and incorrect. 

Please remove bad inquiry as agreed by the credit card company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had a collection account at XXXX XXXX XXXX that I owed to Capital One for XXXX. They reported the account on my credit bureau the same day they received the account. I did n't find out about it until months later when I pulled my free credit report. Before I paid it I called XXXX and asked them when it would be reported to the bureau as paid. A lady told me if they received it before the end of the month if would take no less than XXXX days. I paid the account in full on XXXX XXXX. I called cavalry today ( XXXX/XXXX/2015 ) to make sure they were going to show it as paid in full and now they are telling me its going to take XXXX days????? Why does it take XXXX days?? They did n't take XXXX days before reporting it. I paid with a debit card and the money had cleared my bank. It should be reported immediately. I felt that they were deceptive, they just wanted the money before the end of the month and so they lied about when it was going to be reported to the bureau. They want the money right away, but they drag their feet when its on them to update it to the bureau!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: MS

Complaint narrative:
As the result of frequent selling of the loans and changes in loan servicers, several of my student loans have unresolved inaccuracies on my credit reports. Please do not forward this to the Department of Education Ombudsman as they were not helpful on a previous complaint on this matter. Here are the details : 1. My XXXX account XXXX continues to inaccurately show as paid 60-days late without the requisite 30-days late payment notation the prior month ( see attached copies of credit report ). 
2. My ACS/XXXX accounts XXXX XXXX, XXXX XXXX and XXXX XXXX continue to inaccurately show as paid 60-days late without the requisite 30-days past due notation the prior month. Also, data is missing for XXXX of the XXXX reporting months on the XXXX accounts casting serious doubt on the accuracy of the data ( see attached copies of credit report ). 
3. My XXXX accounts XXXX, XXXX and XXXX continue to inaccurately show as paid 90-days late without the requisite XXXX and 60-days past due notations the prior months. Also, data is missing for XXXX of the XXXX reporting months on the XXXX accounts casting serious doubt on the accuracy of the data ( see attached copies of credit report ). 
4. Finally, no data in many reporting months is negatively affecting my ratio of number of late payments to number of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS
State: MI

Complaint narrative:
In XXXX I moved back to XXXX after living in XXXX for 2 years.Because I had a company vehicle, I did n't need car insurance, so when I returned in state I again needed insurance so I got XXXX of XXXX.they told me because I had no insurance for the last few years I would need a rider on my policy.I was given no choice in the matter and XXXX chose a person in my household, they told me this was temporary until I established a history with them.every few months I would ask XXXX when could my insurance go down and the rider be removed, but all I got were blank stares and the same response that they could do this and I had no choice in the matter.I tried to change my insurance company on several occasions but they 're rates were to high.after a few years my rider XXXX AAA kept her as my rider for another year, even laughing in my face when I dared ask why she was still my rider.When they finally changed my rider they raised my rates.when I bought a newer vehicle they raised my rates.they raised my premium to {$350.00} a month, despite the fact a had no claims, no accidents, and no tickets.This is when I found out my rates were n't based on my driving record but on my credit.which was good before XXXX of XXXX drove it into the ground.you see XXXX used XXXX of XXXX XXXX to determine how good I drove in XXXX Nexus and XXXX used faulty information to price gouge on car insurance.they even chose for my new rider XXXX XXXX, my room mate even though she was ruled by a court of law to not be able to be in charge of her own finances.I had partial ownership of XXXX properties, yet XXXX said I did not.I 've since lost XXXX houses due to XXXX wrongful billing.I 've been forced to move out of that household and away from my family in order to get affordable car insurance.my friend in addition to losing his wife had to return his vehicle because I 'm no longer there to pay for it, he 's a XXXX vet and he used his vehicle to take other members of his family to there doctors appointments.AAA and Lexus Nexus in addition to screwing up my life has totally screwed up my friends life as well.I personally will never recommend them to anyone.I 'm also highly disturbed that LexusNexus is given carte blanche to do as it pleases with regards to my life without first contacting me and confirming any information they use about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have paid my kohls credit card off but not showing paid. I have also paid my XXXX credit card off

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX is attempting to collect on a debit they purchased from Capital One. They claim the account number from Capital One is XXXX I know for a fact this is a misleading deceptive account number ( Violation of Federal Law ). The account I had with Capital One ended in XXXX. I paid the account in full XXXX of 2013. Capital One failed to properly record my payoff. Capital One tried thorough collection agencies and a law suit in small claims court to collect on the nonexistent debit. During the law suit regarding XXXX of the accounts the true account numbers were reviled when their counsel requested a Motion for Summary Final Judgment. When I presented proof of my payments, the presiding judge denied the motion and immediately faxed copies of my bank statements showing the payments to Capital One 's counsel XXXX and XXXX ( motion was heard via teleconferencing ). Capital One 's counsel motioned for dismissal prior to trial and cased was closed. 

I have disputed the account, presented proof of payment to the courts and yet Capital One sold XXXX of the accounts to XXXX. How many times must I be harassed over a paid account? 
I wrote XXXX after receiving their dunning letter with the facts only to receive an unsigned form letter on some nice stationary that states they have completed their investigation of my dispute and nothing changed. If they did truly review that would have found the account to be paid in full. 
If Capital One 's counsel failed to notify Capital One of the law suits outcome and or Capital One failed to notify Portfolio that is not my problem. 

XXXX has begun a campaign of phone calls to my cell all of which are dead air ( Violation of Federal Law ). They call XXXX day from XXXX XXXX XXXX, TN another day from XXXX XXXX XXXX, VA XXXX XXXX, VA and on and on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My Kohls credit card was hacked on line on XX/XX/2017 Kohls sent XXXX email gift certificates to a gmail account which they refuse to divulge due to privacy rights. No confirmation email was sent to us as Kohls claimed the box was checked not to send a confirmation. We used the account on XX/XX/2017 There was no record of the alleged gift cards. 
I received my bill on XX/XX/XXXX and immediately reported the fraud. Kohls opened an investigation and from that point on, the have continued to lie and refuse to provide any information on who they sent {$300.00} worth of gift cards from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Dear XXXX ; On XXXX XXXX XXXX I filed out an application for auto financing with Capitol One via XXXX of their numerous pre-approved offers they have been sending me for the past year after finding a car that I wanted from XXXX in XXXX XXXX. I filled out the application and combined my current income ( half from an employer, and half from workers compensation ( since XXXX XXXX ) and submitted the required proofs of income, included last years tax return summery, to them through XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). On XXXX XXXX I signed financing papers through the dealership and took the car home. 
A full two weeks later, I get a call from the dealer saying Capitol One was now backing out of financing the vehicle, stating that they would not consider my workers compensation as income unless I had been receiving it for more than two years. The dealer stated that I would have to come in and they would have to " re-write '' the contract. I retained a lawyer after that. 
In the mean time, I searched for alternative financing and found it with XXXX XXXX XXXX who had no issues what-so-ever with my sources of income. However, they were not able to issue a check to the dealer until the lien Capitol One had placed on the car and been removed. It took over a month to get the financing for my car settled and I think both the dealer and capitol one are in the wrong. Capitol One swore MULTIPLE times to me, my Attorney and to the dealer, that they did not have a lien placed on the vehicle since they had not approved the financing ... .two weeks after I signed the papers. In the end they said it " fell through the cracks '' which I find preposterous. 
XXXX financing manger basically told my Attorney " drop off a check and we 'll release the lien '' ( copies available if needed ) in so many words. That then implied that THEY had the lien so the Attorney then focused on them. Then XXXX parties attempted to turn around and blame this whole debacle on me, the customer, ranging from I falsified my income to the undisclosed " we do n't take XXXX payments ''. This is my first car purchase and it has been a complete nightmare and still weighs on me. Something is not right here, and I intent to follow through to the full extent of the law. Neither party has apologized or even attempted to compensate for the absolute HASSLE this has been. I have yet, as of XXXX XXXX XXXX, to receive a denial of credit from Capitol One. Both Capitol One and XXXX have lost a costumer and gained a mighty negative story that I will tell to everyone I know, including the local news medias.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I went to XXXX XXXX in XXXX, TX and used the Western Union Terminal to transfer the sum of {$120.00} to XXXX. My MTCN tracking # is XXXX. One issue that came up during the transaction was : did the recipient have an ID. I was not sure and the agent suggested that a test question and answer would suffice. I provided a test question plus an answer. 
A day later the recipient informed me that the Western Union agent bank refused to provide the money because of an expired ID and also denied request to use the test question. 
I went bank to Western Union and wanted to recipient name be changed to another individual that has a valid ID. The agent refused to entertain my request stating that I must call from the home telephone number I listed on the transaction, or go to XXXX and make the request. I went back to XXXX and spoke with an agent. He stated that Western Union would not let them change name but can issue me a refund less the transfer fee of {$9.00}. I refused such refund offer. I went home and called XXXX and after about 30 minutes of speaking with XXXX different individuals I was advised to go back to XXXX and get the {$120.00} refund and the agent would put a request for refund of the fees. She further advised that the {$9.00} would be mailed to my home address. 
I did just that. Two days ago I inquired on the status of the fees refund. The Western Union representative advised me that my request was denied because it was not their fault that the recipient did not have a valid ID. I mentioned that the XXXX agent told me that test question would be used in-lieu of a valid ID. He stated that Western Union policy is that for all international transfer all recipients must have a valid ID. This was the first time I was told of such policy. I wanted to know why such information was not given to me during the initial money transfer transaction, the agent had no answer for me. 

I 'm requesting that my full {$9.00} fee transaction be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently was approved for a credit card from Capital One following a hard inquiry to my credit report. I received it a week later and I answered the previous address security questions accurately. I was told my card was locked due to suspicious fraudulant activity. It has never been used and its already been used illegally by the person it belongs all in a 1 minute time span. I was sent an email for my documentation verifying my identity and it suffice. I sent them again. They now want a bank statement. I give them my account number. They then say id recieve an email. No such luck. They then advised me to go to any local bank while they are on the line then they would talk to the teller inside. XXXX consececutive banks said they have never heard of such a method of verification. Still no activation. Still no replacement card. No other methods of verification. I was pubicly humiliated by the methods instucted by the fraud department. I have now a balance of {$340.00} for money that nobody even spent. It has caused me to be evicted from my home of 14 years because i used that credit line to secure a loan i cant pay back due to Capital One 's erroronous information. I have been civilly violated and I am cognizant enough to know that this is a crime and a Civil Rights lawsuit is my next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
The bank we have a home equity loan with charged us approximately {$1700.00} for a six week lapse in homeowner 's insurance. They based the insurance on the value of the XXXX mortgage ( approximately {$450000.00} ) instead of the value of the home equity loan ( approximately {$38000.00} ). Furthermore, our bank ( USAA ) is an insurance company and knows that they are overcharging for this insurance. Clearly, USAA has overcharged us for insurance and has taken advantage of us. Also, USAA has reported the failure to pay the {$1700.00} for insurance to the credit agency as a past due bill, when it clearly is in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Services continues to send me notices and letters demanding payment of an alleged medical bill in the amount of {$60.00} with my daughter named as the patient. I have sent 2 certified letters, one certified letter was signed by Credit Collection Services on XX/XX/XXXX and the other letter was signed by Credit Collection Services on XX/XX/XXXX. In both letters I told them I was disputing the alleged debt and I also asked for validation of this alleged debt. I have not received any valid proof that this is even my debt. On XX/XX/XXXX I received another collection notice by U.S. mail from Credit Collection Service still trying to collect on this alleged debt. The fact that they just received my certified validation letter on XX/XX/XXXX ( I have the signature card to prove it ), and they sent me another collection notice dated 7 days afterwards makes me believe that they are intentionally sending me harassing letters and refuse to send me valid proof. They are violating my rights as a consumer. They are also causing me XXXX and harm due to this situation. As I stated in my certified letter, I want all valid proof I requested of alleged debt addressed to me specifically and all communication in writing only and sent to my home address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains this debt. This account is unverified and immediately needs to be deleted from my all credit files - XXXX, XXXX and XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation