vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
This is with regard to Skagit Bonded Collectors. This collection agency employs my ex-husband. I have requested that, due to my belief that this situation is retaliatory, that they cease all activities and remove the accounts from my credit and their offices. My ex-husband has disclosed the debts to our children, while he was at work. When I wrote a letter of complaint to the collection agency, I received a letter in response telling me they saw no third party disclosure. Unfortunately, I too am a debt collector and know the law. They are not allowed to discuss my debts with anyone other than myself. That includes my ex who not only disclosed the debts to my children violating the law but also disclosed accounts that were placed in his employers office. I am asking that, due to these violations, these be removed immediately from my credit report and sent back to the original creditors as noncollectable due to a conflict of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
I purchased a vehicle from JD Byrider XXXX/XXXX/14. Yesterday I went to trade in the vehicle for a newer truck. The dealership informed me that my vehicle was only worth {$2000.00} and that the pay off for the loan was {$8800.00}. This seems way off. I trusted the dealership and the finance company because they are affiliated with each other. I feel that they took advantage of me and I am stuck with a vehicle where I owe 4 times what the vehicle is worth. Further more when I contacted the finance company last night and asked for a hard copy of the pay off I was told they do n't have that in a hard copy. I threatened them by asking them where I was to send a sopena to get this information. She reluctantly sent me a copy of the general ledger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX I sent to all XXXX bureaus FTC affidavits and notarized form of identity theft, and the bureaus in response sent letters and the information along to all the questionable things on my report. Contrary to the law, capital one has instead of blocking their reports, went ahead and now sold the information to a credit collections agency when it is illegal to sell information reported as fraudulent particularly when an investigation is pending. I want this information properly blocked and removed from my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have mailed dispute notice to Capital One requesting verification of this account reporting on my credit report and they have yet to respond with a proper answer nor did they send proper verification and never stopped collecting according to 15 U.S.C. 1681s 2 7a.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have XXXX cards with Capital One, it was an attempt to rebuild my credit. This company business parctices and interest rates is slavery. I made XXXX cash advance a year ago and still am being charged interest on that. The interest that i pay for any purchase is well over my monthly payment. Its like a hole that you ca n't dig yourself out of. It 's ridiculous!! I do not use either card, and have not since last summer XXXX XXXX XXXX and still have no money for purchases due to the interest. Im being charged interest on making a payment too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I recently received an offer in the mail for XXXX XXXX credit card. A major feature of this card is to " Earn XXXX miles per {$1.00} spent on every purchase ''. Unfortunately, this is a false and deceptive statement. The brochure explains that I use the credit card to book a flight on my own, then go to their rewards center to redeem my miles, which will apply a credit for that flight. It turns out that a " mile credit '' does NOT result in a credit towards a flight mile. Instead, it is just a XXXX penny credit towards my flight purchase. These are very different things! For example, suppose I make {$100.00} in credit card charges and earn XXXX miles. If I then use my card to book a XXXX mile flight, say for {$50.00}, they will NOT credit my account for {$50.00} as directly implied in their brochure. Instead, they will only credit me for XXXX CENTS! 
Here is their description of the program. 
" Redeem for past travel purchases using Purchase Eraser. Simply book your travel through your favorite travel website, travel agent, or other travel resource using your No Hassle Rewards card. Then, go online at capitalone.com or call our Rewards Center to use our Purchase Eraser feature to redeem your miles and receive an account credit for the cost of your travel purchase. " The problem is that " redeem your miles '' should really say " redeem you pennies ''. The credit earned is NOT miles. The " miles '' redeemed will NOT cover the cost of a flight of that same number of miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Partridge Snow & Hahn LLP
State: RI

Complaint narrative:
Patridge Snow and Hahn represented a debt that was being claimed for collection by them. They claimed to be XXXX XXXX XXXX XXXX, as their basis for collection, but never offered authentication when asked what executive at XXXX XXXX hired them, if any. 
Patridge Snow and Hahn may be a law firm, but it was XXXX XXXX who threatened me, He reused to provide debt validation to me, XXXX XXXXTheir debt collection abuse was terrible to me and my family.The harassment was /is unbelievable and they claim ownership of the note to my house and will not show any evidence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ballybunion Enterprises, Inc
State: TX

Complaint narrative:
We purchase furniture through freedom acceptance corp, I was recently reviewing our credit report and found that we have a judgment in XXXX against us that was filed in 2011. I do n't understand how a judgement in XXXX can be filed against us when we dealt with and made the initial purchase in XXXX. Freedom Acceptance Corp also has debited our bank accounts for unauthorized payments, charged unreasonable fees to make automatic purchases, made collection calls 5-7 times per day. I asked for a written invoice several times and I have never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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: Byrider Franchising, LLC
State: TX

Complaint narrative:
CNAC/XXXX is reporting negative collections on my credit report. This was a XXXX Byrider car that i got. The car broke down on us 2 weeks after i got it from XXXX Byrider. They said i was responsible for all repairs. I told them that is unacceptable because the car was making a weird noise to begin with.They were suppose to look at it before i drove off and never did. So the car sat in the street at my house for a long time. I asked them to come take it back that i did n't want it no more. They waited and refused to get car. I told them there was a 30 day return policy and they refused to honor it. I was dumb and young at the time and just let it be. Now i know better and regret my choice. I should 've pushed them to follow their policy. They should n't be reporting it anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Indicated committed crime not paying
Company: Byrider Franchising, LLC
State: MI

Complaint narrative:
Sold me a vehicle, insisted an insurance payment was included in the payments for the vehicle, continues to collect money for it wo n't provide a policy number, also " guaranteed '' me that it was in tip top shape, and that all needed repairs were seen to before the car made it to the lot, I have put 800 dollars in repairs in 5 months for things I was told were already repairs. I had taken the vehicle to the service department on multiple occasions, was told nothing was wrong, only to be inspected by a licensed third party and fail insurrection for multiple safety issues, still shakes profusely at medium to high speeds, I returned the vehicle and they have contacted me XXXX times in less than a week, and have begun to text me on my personal line as well, they are attempting to force me into admitting it 's a repossession, rather than voluntarily returned due to being suckered into a contract under false representations of repairs warranty and insurance coverage being included and it was not. I was also told that every successful payment will be reported to creditors and not XXXX of them was ever reported XXXX, I was promised that it was a credit building operation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
Got a bill from credit collection agency called to dispute the amount. They added {$100.00} to the bill. The original amount being {$550.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX I used the Capital One Credit Card payment system to authorize a payment of {$150.00} to my credit card. I discovered on XXXX XXXX, 2015 an un-authorized deduction from my checking account of {$1800.00} taken by Capital One Credit Cards. I have spoken to XXXX customer service representatives. XXXX supervisors and XXXX senior supervisor. They have promised to refund my money within XXXX days since XXXX XXXX and this has not happened. They have also refused to pay the insufficient fee charges {$230.00} that have hit my account for the bills that I had to pay. On XXXX XXXX I noticed the money had not been refunded so I called back to Capital One and was told that the situation was still under investigation and the funds were not released. When I asked to speak to a supervisor I was transferred to XXXX who told me that the funds would be in my account by Thursday evening. I asked if she was sure and she said yes. I told her that I had {$200.00} in insufficient fees on my account and several bills still coming through. At his point my account was now negative by {$1300.00}. She provided another XXXX. XXXX number and asked me to send a statement from the bank with the amount of insufficient fee charges my account had received. 
On XXXX XXXX I called again and requested a supervisor, I was transferred to Senior Supervisor XXXX who told me that my money is still sitting with Capital One, XXXX week later, because they are trying to see how this happened. I told her to send me money and you all can investigate this on your own while my money is sitting in my account and she said there is nothing she can do. I have a mother with XXXX and XXXX children that I am supporting. Every dime I make goes toward our living expenses. I explained this to Capital One Credit Cards and they do n't feel that this is their problem. I need the money for the insufficient fee charges returned to me. Currently the fees are at {$150.00}. The reason I am writing is to complain, Capital One Credit Card staff have lied to me and given me the " run around for a week ''. Why I should pay a fee for a mistake that Capital One 's system made. It is impossible to enter XXXX payment requests at the same exact time into their system unless you are sitting at XXXX separate computers. Also, if there is an issue with their system I would think ( in this era of hacking that the focus would or should be on determining where the problem lies ). Can you help me get my money back please? 

Capital One has been highly unprofessional, and condescending. I feel like they think I am a joke every time I call. 
Their is a problem with their system. This is not a consumer problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I purchased a car from JD Byrider XX/XX/XXXX. XX/XX/XXXX the vehicle was damaged in a severe storm. The insurance company claimed it was a total loss. The company asked and I agreed to continue to make the payments until the claim was completed as good-faith. When the insurance company 's adjustment was completed the difference between what was owed on the loan what they would pay ( the replacement cost ) was over {$5400.00}. After several attempts by the company to pressure me into another similarly over-priced vehicle I declined. I, instead opted for an agreement that I would pay the {$500.00} deductible and the company would forgive the balance after receiving the it along with the {$6400.00} check from the insurance company. I asked for this in writing and received it a few weeks later. When it was confirmed that the insurance company 's payment was made I attempted to pay the deductible and asked for a release of debt letter but was turned down by the woman at the payment office. She said that I owed {$5400.00} before I could get any release from my debt obligation. After numerous attempts to get the company to honor their agreement that was in writing I noticed that I had a charge-off on my credit report. Many months later they continued to not honor this agreement and my credit was severely impacted. I also notice that they had listed it a second time on my report from a different office. XX/XX/XXXX I contacted this second location hoping to get some relief and a reversal of this erroneous credit rating. After reviewing a copy of the letter the second location agreed that they would accept the payment and restate on the credit report paid in full as agreed. To my astonishment a week later the account was reopened as now paying. When I contacted the location again I was being lied to and the issue has not been resolved. I am now pursuing legal action as this has cost me tens of thousands in additional interest because of the negative impact on my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : Account # XXXX CFPB CASE NUMBER XXXX Respond not fair enough Dear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accounts And maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to Account # XXXX with the major credit reporting agencies. 
Although I made a late payment on XXXX XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payments I am requesting deleted and / or removed occurred on XXXX XXXX. 
These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from you soon. 
I am keep sending request until get fair resolution Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Equifax and CapitalONE refuse to investigate XXXX hard inquiries that have a negative impact on my credit report. Each time I have disputed this incorrect information both agencies state these inquiries are a marketing inquiries and not hard inquiries as indicated on my credit report. I need CapitalONE to validate these hard inquiries or remove this incorrect information from my credit report. If this matter is not resolved through your assistance I will place this matter with the XXXX County Civil division for Judge to make a final decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a Capitol One XXXX XXXX that I pay every month with on line bill pay. I do not get statements from them either paper or email. If I want to see my statement I have to go on line and look for them. This is a big part of the problem. I pay them {$75.00} a month every month to clear my balance which was about {$2000.00}. I have this set up in my bank 's bill pay to automatically arrive on time every month. 
In XXXX of XXXX I made a payment of {$35.00} instead of my usual {$75.00}. Unfortunately the minimum due was {$39.00} which I did not have a statement to see. Since I paid {$4.00} under the minimum due I got a {$35.00} late fee added to my account. The next month I went back to paying my {$75.00} a month not knowing I was getting a late fee and added interest EVERY MONTH for the last 18 months because they never sent me a letter or called me about my account. I just happened to go online in XXXX of XXXX expecting to see my balance almost being cleared. You can imagine how upset I was, how angry I was when I saw that my monthly payments were getting taken up by late fees and added interest every month and all the months of on time payments being made for more than the minimum due had gotten me nowhere because of a {$4.00} typo when I paid my bill in XXXX of XXXX. I have never even missed a payment on this card! I called Capitol One and the representative gave me credit for {$210.00} XXXX 6 months of late fees ) and {$94.00} in interest payments. While I appreciate the gesture it is not enough. I wrote a letter to XXXX XXXX at Capitol One and received form letters talking about late fees and interest and saying that I would not be getting any more money back. I called Customer Service again and was told that XXXX XXXX has the final word and nothing more can be done. I have been charged {$590.00} in late fees not to mention all the interest that I should not have been charged. All because of a {$4.00} Typo! And they never sent me a letter or bill, OR called to let me know there was a problem with my account. This is just wrong! Please do what you can to help me correct this injustice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I attempted to apply for an auto loan on XXXX XXXX, 2016. Capital One Auto Finance failed to call and verify my personal information before running a credit report. I have asked in writing to remove the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am being charged a debt for a company that I have never had a bank account with. I was contacted on XX/XX/2017 in regards to paying the debt. I asked for verification regarding this debt because the only two banking institutions I have ever had were XXXX and XXXX ( located in XXXX, GA ). I was told by a friendly rep that a dispute claim would be opened and I would receive a call from the agent assigned to my case. It never happened. Under the Fair Credit Reporting Act, I have the right as a consumer to dispute inaccurate information and you must comply and support this inalienable right!

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 2016-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Based on the following Washington XXXX XXXX I attempted to open an online checking account with CapitalOne 360 : Capital One to stop using program to weed out customers with history of account overdrafts By XXXX XXXX XXXX XXXX, 2014 Capital One Financial said Monday that it will no longer use a popular screening program to weed out potential customers with a history of overdrawing their accounts, an industry-wide practice that has pushed thousands of people out of the banking system. 
Unfortunately, after providing some basic info to the CapitalOne site, I received the following message : Looks like we could n't open your account. 
Be on the lookout soon for an email with more details. 
We know this is n't the news you were hoping for. We declined your application based on information we received from XXXX a consumer reporting agency. We 'll send you an email shortly with more info. If you have questions in the meantime, you can contact XXXX at XXXX or XXXX a new window. 
It appears that CapitalOne is still denying applicants based on XXXX and I wish to file a formal complaint for non-compliance by CapitalOne.

Company response to consumer: Closed with explanation