vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: CT

Complaint narrative:
On XX/XX/2016 my husband and I signed for a membrship with the XXXX, at that point we were living in a close by location so we were going to try that gym, after couple months we moved out of town that is XXXXmiles or more away from any club location and we asked the XXXX stuff to help us with the cancelation according to the right to cancel that is written on the contract, they redirect us to their financial company which is ABC Financial Services , Inc where we were told to send the documentation proving that we live XXXXmiles or more away in order to cancel so we did, in response they told us our membership can not be cancel because according to them we live XXXX miles away not XXXXmiles as is showing on any GPS and without any kind of proof from their side

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have had a Capital One credit card for years. The rate on my card was at 12 %, about the time the credit melt down happen Capital One increased my interest rate to 17 %. I was XXXX day late in making my payment, but feel the rate increase was excessive. My balance on my card is about {$18000.00} so this rate of 17 % makes it very hard for me to pay down. I have always made more than the minimum payments required but still do not see any relief. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: MD

Complaint narrative:
I used Discover Student Loans to take out a bar loan to sign-up for a bar prep course. I have been making monthly, on-time payments on the loan for over 2 years. The balance of the loan has actually gone up rather than going down, as one would suppose would happen. After researching the issue, I realized that Discover 's minimum payment amount was broken down in such a way as to ensure that the interest will always be XXXX times higher than the principal - high enough to ensure that the balance of the loan remained the same or slightly ticked up through the duration of the " repayment '', thus ensuring that the loan would never be paid off by simply applying minimum payments. All of this means that at 7 % interest, if one were to pay off the loan by making double monthly payments, that I would pay double the amount of the loan, and that Discover would make a 100 % profit on a loan that is at 7 %. 

This practice is beyond the pale of decency and is incredibly unethical. These are effectively usury loan terms and your agency needs to become involved in making sure that individuals who are simply trying to better themselves and do n't have parents or others to contribute to their education are not left " holding the bag '' because financial services companies are allowed to exploit their dominant market positions. 

I would be more than happy to discuss my case with a member of your agency. 

Thank you, XXXX XXXX Tel. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was not notified in writing of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/16 with CapitalOne. CapitalOne finally got around to ordering the property value 2 months later. It was completed on XXXX/XXXX/16 but there is a major problem - it was done for a property IN ANOTHER STATE. NOT the subject property. Attached are our call logs and a copy of the value done by CapitalOne for a property in the wrong state. 

To date, CapitalOne has done nothing whatsoever to obtain a value on the correct property and with each phone call prove themselves more and more incompetent and unable to answer simple logical questions. 

We are going into the third month of this short sale. Every single time we call we get a different story on the status or why they ca n't move forward, or some other infantile excuse from the short sale department. It is obvious they are defrauding their investors and committing servicing fraud by purposely delaying a decision on the file in order to collect the 'double ' servicing fees they automatically receive for servicing defaulted loans. 

Since CapitalOne has proven so incompetent as to be completely unable to do a simple task such as order a property value for the correct property, how can anyone condone their continued existance in the real estate and financial business?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Simply stated, " if there is no late payment, then there can be no late fee! '' Here are the facts : 1. the credit card company is charging me several late fees from XXXX XXXX tho XXXX XXXX 2. there were no late payments 3.I mistakenly made XXXX monthly payments in one month, the company did not initially credit XXXX of the payments to the following billing cycle as I had intended it to do. 
4. viewing on line my payment statements, transaction activity, and activity for this company all indicate equal payments of {$25.00} for the period under dispute 5. my own bank records verify, except for the double payment, that each month a {$25.00} payment was made from XXXX through XXXX XXXX 6. the company has made some adjustments, but continues to bill for late fees and now has the minimum payment for XXXX XXXX at {$100.00}, rather than the usual {$25.00} per month 7. I am a senior on a fix Social Security monthly income and can not afford such an increase in a monthly payment. It is a struggle to make ends meet as it is 8. I have talked to numerous representatives and supervisors who all miss the critical point that even according to their records, there is no late payment, thus no late fee charges 9. I have finally sent them a letter stating that if this issue isnt resolved to my satisfaction by XXXX XXXX, XXXX by XXXX I shall " walk away '' from the balance owing and will not respond to any of their attempts to collect any sums of money. I own nothing from which they can collect! 

I welcome your further inquiry regarding this issue. I sincerely hope you are able to show this company the error of their " best business practice ''. Simply because I was using good money practices by submitting XXXX payments at once, I should not be penalized with " past due fees '' when the company 's own records clearly display no late payments!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Brelvis Consulting, LLC
State: IA

Complaint narrative:
I worked with a debt consolidation company called Student Loan Help Center. They consolidated our loans for a fee of {$990.00}. 
We received a letter from Fedloans.gov stating the power of attorney was denied for this company to work with them to consolidate our loans The representative from fed loans told us that this company is fraudulent and they are not accepted requests from them. We are asking that our money be returned to us because they are not able to provide services for us. Also, the information they reported to the fed loans was incorrect. The # in our household was incorrect. 
The contact information : Student Loan Help Center : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Conduent Incorporated
State: NY

Complaint narrative:
On XXXX/XXXX/2017, I noticed several unauthorize transactions on my eppicard card that was issued to me through child support in XXXX. I immediately called eppicard customer service while the transactions were pending and asked them to stop the transaction because they were not mine. 
I was told by the rude and angry customer service rep that there was nothing they can do about those transactions, I would have to let them go through and call back in three days. The next day I notice that the transactions had gone through so I call back and spoke to a customer service supervisor who basically told me there was they could do that I had to file a fraud complaint and maybe I would get my money back in 90 days, based on the decision. 
After getting this disturbing answer, I tried to look for the Eppicard Card Corporate Office and found out they really do n't have one. In addition, there are XXXX similar complaints on the Consumer Affairs website, complaints filed with the Better Business Bureau, here and many other agency and websites and nothing has been done to rectify this. 

Please help! All I want is my money back!

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 monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I am submitting this complaint against Captial One due to non-compliance with a complaint regarding billing. On XXXX/XXXX/15, there was an autopay to Capital one from my Bank XXXX account, which I did n't authorize. I went online and changed my due dates for automatic payment, which the indication that this change would take place promptly. When I attempted to contacted Capital one, after the money posted to my credit card account. I was informed that if I Changed my due date, it would would take up to XXXX billing cycles. I then talked to a manager and informed him that I was never informed about the process of the billing cycle and that this was the second time that I changed my billing date and Captial still charged my account. The funds were n't returned and I was charged an extra fee by my bank. If someone could follow up with Captial one regarding this matter, that would be great!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a secured credit card with Capitol One, I had activity charged to my account in the amount of over XXXX dollars, and they closed acct, and issued new card, however the amount removed from bill ... they also did not re-install available credit amount that exceeds XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Received an unsolicited platinum mastercard from capital one in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I had membership for XXXX in XXXX, TX. I paid my membership as an automatic payment. They closed the gym " temporarily '' XX/XX/2016. I continued to pay my monthly dues until XXXX 2016 with no facility to work out at. I went in to XXXX, Tx to see if I could cancel my membership. I was told there was a XXXX XXXX XXXX XXXX I could choose to work at. The XXXX gyms are over XXXX miles away from the facility I had signed up at. I chose to cancel the membership and the rep signed off on the termination. I was not billed for XX/XX/XXXX and XX/XX/XXXX. I was billed for XX/XX/XXXX, which I called to see why they debited my account. They stated I was still responsible for the payment. I told them a furniture store had moved into the old XXXX XXXX I had signed up at. They did n't care about that fact. They told me it was to open up shortly. I told her it could n't open up, as a furniture store was operating out of the same building. They then stated I could work out at XXXX or XXXX. I informed them they were too far away from where I lived and I had infact cancelled the contract back in XX/XX/XXXX. She stated that XXXX was in receipt of the cancellation notice. She stated because they failed to fax it to them, " the billing company '' that it did n't count. They could n't get a hold of the gym, therefore we would still need to pay the contracted amount. I disputed that, as I never signed a contract with them. They sent me a link and asked me to register to obtain a copy of the " agreement ''. I never signed this contract. My signature was electronically placed on this document, as it was the first time that I 've seen this document. I asked how it was that they could bill me for a service they could not provide per their contract if they do not have a gym within XXXX miles. The gym was closed for more than 30 days, as it has been closed for 8 months. They could not keep their side of the contract and I 've requested that they not charge me. They state they will continue to charge even though they can not provide the service. The gym XXXX the XX/XX/XXXX and XX/XX/XXXX invoice the billing company provided to them. I then told them that was their sign that it was a terminated contract ; however because they can not reach out to Nautilus, they have decided to keep billing me. This is not fair and is very much a breach of their contract. They want me to pay for a service they can not provide and will not listen to my calls and pleading for them to stop billing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One credit card has an account and balance reflecting in my name and information on my credit files that does not belong to me This is a negative account and I have reached out to them for over a year and they have not resolved nor handled this urgent issue that is ongoing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 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: WI

Complaint narrative:
I have filed a previous complaint against Capitol One Bank for garnishing wages for an account they deemed was fraudulent. Capital One garnished a wage total of {$4600.00} from my work check bi-weekly. The previous complain I filed with your agency was for {$3000.00}. They sent me a check I received on XXXX/XXXX/2016 for that amount. I disputed this amount on XXXX XXXX, 2016 for the amount I am entitled too. Total reimbursement is only the acceptable resolution. Note I also had missed worked for meetings with the commissioner they summons me for, certified mail reimbursement, fuel, lost wages, time in proving this fraud case. In the dispute thru your agency. I need {$5000.00} to make this right. I could get more but this would suffice and is, m ore then reasonable. Please refer to the documents I attached to thee dispute. The CFPB # XXXX. I am attaching the check I received as proof that I was not reimbursed rightfully. I will be expecting a check within the 7 business days. As of now I am not charging interest but if this is not resolved quickly I will have to start.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The escrow on my mortgage increased by {$580.00} ( approx ) a month and I was not notified. Additional {$580.00} was paid on XX/XX/XXXX XX/XX/XXXX without notification or consent. This is a reoccuring monthly payment and would have been deducted monthly without my inquiry. The failure to to notify was acknowledged by an employee at Capital One bank on XXXX XXXX, XXXX after XXXX calls ( XXXX XXXX and XXXX XXXX ) and a failed attempt to have an analysis conducted by the Capital One Escrow Dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I paid the car in FULL in XXXX 2012. This should NOT be on my credit reports! It was stated on my report that " PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. '' I have contacted the company for THREE years with no response!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One/Kohls has been reporting a past due balance of {$880.00} on my credit reports for a closed account which they recently changed to an open account on XXXX ( still closed on XXXX and XXXX ). This has had a very negative affect to my credit score. The last activity per my credit reports is XXXX. I am not aware of the past due amount and they have never attempted to collect as I never received any mailings on it from them. I have sent them XXXX certified letters with receipt confirmations to request account validation bearing my signature and and they said their reporting is correct. They have not sent me the requested validation showing my signature or that I am obligated for this debt which is well over the SOL. In addition, the information they are reporting is inaccurate. how can an account have a balance past due when its been closed for years. Then they reopen it on XXXX? The credit bureau is reporting inaccurate information. In addition, Capital One/Kohls did not add the consumer dispute comment on any of the CRA with in the 30 day deadline. They need to now delete this account from all CRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted Capital One in XX/XX/2017 if I could make my payment after the due date XX/XX/XXXX to XX/XX/XXXX-she said yes, I can make up the payment in any form and she would remove my auto pay for XX/XX/XXXX to XX/XX/XXXX.Result was she removed XX/XX/XXXX auto pay-I DID NOT REMOVE AUTO PAY in XX/XX/XXXX, Cap One removed it! SHe adjusted my auto payment to DOUBLE, in which I did not authorize and I didnt know until today XX/XX/XXXX as it shows {$320.00} PENDING-NOT OKAY! I should have shown XXXX- initially years ago I set up auto pay to take out the min due. CAP ONE service rep adjusted and " doubled '' my paymt, I called Cap one immediately as they refused to remove this pending doube payment as said they could n't remove it even when they were well aware I did not authorize. Cap one rep XXXX and XXXX/manager claimed I owed XXXX and I said I do not! my min Payment is XXXX she lied and disclosed the wrong amount and told me to call my bank to stop pmt as I told her my bank will charge me XXXX as she said she couldnt do anything. This is unacceptable. I called my bank XXXX after speaking with XXXX and had XXXX on hold to tell them I had to pay XXXX fee and they CAN remove/or cancel the payment bc it hadnt come in yet. Cap one rep XXXX was on the line and she was aware of the situation and placed us on hold while I had XXXX on the line. XXXX hung up! How many times do I have to call Cap one to resolve? As they refused to remove/cancel pending transaction. XXXX was incorrect my min due XXXX as the info was right in front of her as she refused to acknowledge due amount to be XXXX, refused to remove auto pay- but new rep said let me see what I can do. Being treated unfairly and refusal to assist me is unacceptable and disclosed the wrong info as Cap one said I set up this cancelled payment in XX/XX/XXXX online as I " did not do '' -they performed this transaction, not me! Nothing but a scam to make more money off of me. If this payment isnt cancelled it will throw off my checking and I was be charged numerous fees due to other transactions coming in -I will be out hundreds if its not cancelled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was out of work for about 6 months. after contacting the Credit Card Co Cap One, I was hoping to have my fees reduced due to late payments, but I was advised they do not offer this service. So after getting back to work I contacted them again, lets work to reduce the APR from default of 29. % to something manageable till I can catch up. Again sorry we do not offer this. So what are my options I asked? Credit counseling and debt consolidation? Not asking for much just a temporary solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I settled both of my Capital One accounts with the law firms handling the debt. I have disputed the balance multiple items on my credit report to show updated as paid in full and Capital One is refusing to update it which is causing my credit score to remain really low. They ca n't do this and it needs to be removed from my credit report now since they are reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I applied for a capital one journey credit card online on XXXX XXXX 2015 and was immediately denied for approval. I reached out to Capital One to inquire the decision and was informed I could not speak with lending agent. I asked manager onsite with Capital One and asked why was I denied because letter that was emailed stated credit report invalid and missings information? The manager said they was unable to pull a copy of my credit report from XXXX XXXX. I informed manager I called XXXX XXXX and they show not only the inquiry on my report but they sent me the report they pulled and saw. I asked the Manager to please uphold fair lending laws. I also informed them I work for XXXX and I am aware of the law and I would file complaint because I was violated. Please investigate this process.

Company response to consumer: Closed with non-monetary relief