vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX, XXXX XXXX Re : case # XXXX Dispute 30 day Late payment due to banking error Account # XXXX Capital One Billing Inquiries XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute a late payment billing error in the amount of {$120.00} on my Capital One account # XXXX. The amount is inaccurate because 1. I made my monthly payment of {$120.00} on XX/XX/XXXX via website to my credit card company ( Capital One ) 2. I had available funds of {$470.00} on XX/XX/XXXX in my bank account with ( XXXX XXXX XXXX account # XXXX ) to cover the payment with Capital One 3. My bank account ( XXXX XXXX XXXX XXXX ) processed the payment on XX/XX/XXXX which I still had available funds of $ {$430.00}, but my bank returned the payment in error. 
4. As a result I am now showing a 30 day late payment of {$120.00} with Capital One on my credit report ( XXXX XXXX/ XXXX ) due to the bank error with XXXX XXXX XXXX . 
5. I have disputed this bank error to my Credit Card Company ( Capital One ) and the 30 day late still remains on my credit report resulting in negative credit reporting. 
I am requesting that the 30 day late payment error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement and accurate credit reporting with ( XXXX XXXX/ XXXX ). 
Enclosed are copies of Capital one payment conformation/ statements, and my bank XXXX XXXX XXXX XXXX history supporting my position. Please investigate this matter and correct the billing error as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Capital One statement Capital One payment conformation Capital One dispute letter XXXX XXXX XXXX transaction history Dispute letter with XXXX Dispute letter with XXXX Dispute letter with XXXX

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

Complaint narrative:
I got a rejection letter from Capital 1 Auto Finance, dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present Capital One credit obligations. '' I do not have nor have I ever had any Capital One credit cards. My sister in law, however, does and she has poor credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow Capital One has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
My account with Kohls was closed because my husband died. They told me to open a new account in my own name. I have always paid my account on time. Closure dinged my stellar credit rating. I have a Kohl 's MVC ( valuable customer rating ), entitling me to discounts, etc. They ca n't transfer this to a new account. The response to my complaint about closing my account and inability to transfer my status, was '' we 're very sorry, please call the company president. " So much for being a good customer. Kohls = Scrooge in my opinion!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14 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: MA

Complaint narrative:
A collection agency, XXXX XXXX XXXX, for Capital One claims I owe {$31000.00} for a Credit Card number ending in # XXXX. 
The credit card had a {$2000.00} limit. 

This was a Credit Card i got through the XXXX. Postal Service and the XXXX and XXXX. 

This was a NO-INTEREST credit card, now they are charging me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I tried to add my children as an authorized user with their DOB, SSN address and phone number and set the card spending limits. The cards are sent via overnight mail. The next day I receive a call from Capital one fraud department stating they need the kids 's drivers license and a copy of their social security card. I called Capital one back stating I am not sending in the information and to cancel the request of adding them as an authorized user. The rep says they can not cancel that request until the documents are sent in. I told them the kids do n't have drivers licenses and that I am not sending in their social security cards. I told the rep to cancel the card.The rep states that she can not submit a request to cancel the card due to the " fraud restriction '' and that I would have to send the ssn card and drivers license. Her name is XXXX # XXXX. I asked if he had any other options and asked again to have the card cancelled. She stated they would not be able to cancel the card. I paid the balance in full so it 'll be zero but they wo n't cancel my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I contacted Capital One about an item treported incorrectly on my account last XXXX. They sent me correspndence telling me I contacted them about a XXXX payment. This is n't true, my concern is XXXX payments that they lied about returning. They are still reporting incorrect information. The only account on my credit card is XXXX and there has never been any returned items from XXXX for XXXX. My account is open and active.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 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: IL

Complaint narrative:
I had a Credit card from a company that I defaulted on. XXXX assumed the loan and contacted me. I agreed on an amount I owed and paid the debt. I received a notice of payment and though everything was fine. After looking at my credit monitoring service, I could see that XXXX ( XXXX ) reported correctly that the account was delinquent for the month of XXXX, then paid as agreed. However there was another month that showed up, XXXX. I did not agree with this and did a dispute. 35 days later the dispute comes back as updated and XXXX now list my account in the same closed status but with the delinquency months being in XXXX and XXXX, 7 months after the account was closed. I contacted XXXX and they said everything is fine from what they show and to contact the credit bureaus. I did, and issues a dispute per suggestion of the credit rep and waited another 30 days for the dispute to come back with the same delinquency dates being reported. I contacted XXXX again to ask why they would be reporting the same delinquency dates when my account was resolved in XXXX and have documentation from them on that. I questioned why they would not modify the dates on the new dispute if clearly My account had been closed since the beginning of the year. They said they are n't sure and to email the credit information to their disputes department I have that show the incorrect months being reported, which I did and have not gotten any response. I have been working on this issue since they day they reported the incorrect dates in XXXX. It is now XXXX and they still have n't fixed it. I am worried this has affected my credit profile to those creditors who pull my actual credit history and examine - such as an apartment complex as it makes it appear that my delinquency were much more recent than they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Brelvis Consulting, LLC
State: NY

Complaint narrative:
I called the " student loan help center '' at XXXX. It took multiple attempts as their line kept hanging up on me. After reaching a human and 37 minutes of me giving them my personal info, they said I had to pay a one time fee of {$990.00}. As I 'm eligible for total forgiveness. My loans exceed more than half of my income as I 'm on social security from a head on accident. I told the guy that there has to be a way to file " these forms '' without paying {$990.00}. Call was recorded and they made me acknowledge permission to record

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I would like to be credited in full, of all the fraudcharges including, the charges for products andservices, they claimed they offered that I 'm notsure what they are. I did not apply for creditwith this company, or with any one that maybe associated with as a victim of fraud. 
I feel like I 'm being scammed agained. 
for these reason I do n't use credit card norapply for credit.i do n't feel safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted a dispute on my charge card and advised i did not authorize XXXX transactions that posted on my account. I filled out the fraud dispute form and faxed a copy of my drivers license they have not credited my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX, I was disputing late fees on my XXXX limit capital one account and was having a very difficult time. This went on for three months until the account was late 90 days XX/XX/XXXX. At this time Capital One added XXXX in fees as late fees/collection fees/attorney fees, and refused to work with me. XX/XX/XXXX, they charged off XXXX, so the account was at a XXXX balance. They can not charge off an account, take credit for this on their taxes and still show this balance that I owe. This would be fraud. The XXXX has continued to grow until today it is at XXXX. 
They do this to show my credit use at XXXX % of limit which destroys my credit score, so I will pay the XXXX. Again if I do pay this and they charged it off, that would be fraud on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, received yet another notice as well as many telephone calls over the past months, XXXX continues to harass me via phone and mail and refuse to cease and desist. I am now going to file legal action against them as well as join a Class Action suit against them. 

Since XX/XX/XXXX to present, I have asked them when they call to stop calling and also returning their notices to them demanding they cease and desist. 

XX/XX/XXXX.XXXX -Called the XXXX number and spoke with XXXX at XXXX stating that I am receiving notices and harassing phone calls from them and I want it to stop. XXXX stated it would stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
tere were several accounts opened in my name by an girlfriend who was living in my home several accounts have been closed and are no longer affecting me how ever this account is still on my credit report after I have sent several police reports, court documents and jail records to the agencies and disputed the accounts directly as well and with collectrion companies

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC
State: CO

Complaint narrative:
Since XX/XX/2016, the loss of use of this vehicle due to the negligence of XXXX. Byridder 's claims has been greater than 115 days. 
This is completely unacceptable. We have continued to pay the car payments due, yet, have had no use of the car in over three months. 
Although XXXX. Byrider claims no to sell cars with salvaged, restored or rebuilt titles because as they say " Cars with branded titles often 1 ) Wear though tires more quickly, 2 ) have mechanical issues 3 ) have a significantly lower resell value 4 ) May have Safety Issues ''. 
XXXX, states that this XXXX XXXX XXXX would be included in the Buy Back Protection program. We were never offered XXXX or Buy Back Protection. 
On XX/XX/2016, when were in the process of the purchase of this vehicle we were presented with XXXX-XXXX different XXXX reports that did n't belong to the car we were planning to purchase. Unclear why it was so difficult to get us the right one the first time. The XXXX XXXX that we were presented with finally on the XXXX mentioned nothing on the unaddressed recalls on the vehicle and lacked previous records. 
Also, on XX/XX/2016, XXXX. Byridder did not provide a Buyer 's Guide to us on the XXXX XXXX. There was nothing in the vehicle window nor any Buyer 's Guide provided at closing. There was no price posted in the window, as well. 
When we sat down with the General Manger, XXXX, and he presented us with a Preliminary Purchase Worksheet. He had the price of the car listed at {$11000.00} & trade difference listed as {$11000.00}. However, we asked about the {$4000.00}, incentive deduction that they had going at the time. At that time XXXX, wrote in {$15000.00} & wrote in - {$4000.00}. So instead of the selling price of the car to be {$7900.00} it was now {$11000.00}. XXXX stated that he had already deducted the {$4000.00} before bringing us the paperwork. However, the paperwork does not represent the same. The car at the time of purchase had XXXX miles as of today XX/XX/2016, the car XXXX miles. The XXXX XXXX XXXX value of the car in Great condition is {$1500.00}. 
We believe these matters with XXXX. Byridder needs be addressed immediately. 
XXXX and XXXX XXXX are requesting that XXXX. Byridder, XXXX, XXXX XXXX XXXX and all affiliates release XXXX XXXX XXXX & XXXX XXXX XXXX, from any further financial obligations. Clear this car as paid- with only positive reporting to all XXXX credit agencies and refund the monies paid on the vehicle to this of {$2600.00} point due to the loss of use since XX/XX/2016, and at that time we will release the vehicle back to XXXX. Byridder. 
Out of less than 180 days the vehicle has been at XXXX. Byridder in XXXX, greater than 105 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Kohls call me at least XXXX times a day! I have asked them to stop and even informed them that they have closed my account. They were supposed to stop calling me for XXXX days and send me something to do a cease and decease i believe, but that same exact day I was still receiving phone calls that never stopped! It is annoying and im starting to feel like they are harassing me, my voicemail fills up in less then two weeks with numerous messages from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from Credit Coll. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Collection in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 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: MA

Complaint narrative:
I signed a six-month contract at XXXX in XXXX, Massachusetts, and kept my copy of the contract, on which the manager had hand-written and initialed " 6-month contract ''. After six months, I attempted to cancel the account, and found out that the gym manager had later checked off " 12 months '' on the contract. The gym continues to send bills for increasing late fees, and debt collection notices. When I contact the gym, they say " I only work here - you have to contact our billing agency, ABC Financial. '' When I contact ABC Financial, they say " Our documents indicate that you have a 12-month contract. IF you have a dispute, you should take that up with the gym. '' At the gym, I was told that the manager who falsified my contract no longer works there, and that they ca n't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX 2016 I received Two credit cards in the mail from capital one on the same account one the primary holder and the other the additional holder with XXXX XXXX dollar credit limit. I used the card once and attempted to use it a gain and it was dishonored a fraud alert had been put on it. I looked up the account online and found out it had been restricted and I needed to call them. So I called them and verified that I had used the card and they said that the restriction would be lifted in 72 hours that was in XXXX it is now XXXX 2016 and they are still on restriction and they refuse to give me a written reason. they have collected all kind of personal id documents from me. In view of the XXXX situation I am wondering what is really going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hi my name is XXXX capital one bank approved me a XXXX dollars credit after approved ask me for documents to validated the account send all of them spoke with several managers about to activate my credit card gave me hard time. Kept calling every time when I sent any documents now they said my credit cards are permanently restricted because of the documents been alternate XXXX is not true I had my personal bank call them and verify my j formation and the still saying is not valid. I request to speak with the manager again and they keep saying they do n't have a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
breach of contract for failure to inform me of their termination of their business relationship with me. 
violation of the Federal Fair Debt Collection Act of 1977 for filing false information with the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My husband and I recently re-financed our home. As part of the re-finance deal, we agreed to pay off XXXX outstanding credit card balances. XXXX of those balances was with Capital One. A check was issued to Capital One in the amount of {$6600.00} by XXXX XXXX XXXX and Closing Services. I sent this check off and it was cashed on XXXX XXXX, 2016. Unfortunately, our Capital One credit card account that this check paid off, was returned to its unpaid status even though the XXXX XXXX check had been endorsed and paid. The specific complaint from Capital One is they could not read the endorsement clearly. After multiple conference calls and at least XXXX times forwarding a copy of the front and back of this check, Capital One still claims they can not find this check in their system, and keep requesting a clearer copy. We are in our second period of investigation and Capital One has temporarily re-credited our account with the {$6600.00} for a limited time while the investigation proceeds. I am working with the check-issuing company, namely XXXX XXXX XXXX, who are being very cooperative and doing everything in their power to help resolve this issue. Unfortunately we and Capital One seem to be going in circles, and I fear our balance will be re-instated and we will be once again liable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 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: CA

Complaint narrative:
The agency that keeps calling hangs up every time I answer our COMPANY TELEPHONE. I have called back due to our caller ID and it turns out to be a credit card company who keeps calling for XXXX of our FORMER employees which I have stated to them. They tell me they will remove our number and do not do it. This is becoming a problem because they will not stop HARRASING us.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation