vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Someone stole my personal information these debt collectors are trying to collect {$660.00} say I have a bill in my name that I am unaware of

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
30 days past.response not received. 
Please removed hard inquires my credit file. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), creditors have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I opened up CapitalOne 360 Savings account in XXXX 2015 after seeing advertisement on-line. 
Bank promised {$500.00} bonus after keeping XXXX in the account for 90 days. I called them couple times to confirm the ad. Now, Bank is claiming that I am not eligible for bonus because I had savings account with ING bank 15 years ago. ING bank is now part of CapitalOne. I also was told that I have 30 days to transfer all the money to the account. Bank is saying that it is only 10 days. I believe CapitalOne is not playing fare and tricks customers with small prints and misleading information over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23 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: CA

Complaint narrative:
I do not own this debt to this company however it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Credit Collection Service is collecting on a debt for XXXX insurance which was included in a Chapter XXXX Bankruptcy. This entry needs to be removed as it should have never been put on my credit report for collections. Again as stated before this is included in a Chapter XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 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: TX

Complaint narrative:
The credit card had additional cost for insurance incase of illness or accidents. I was XXXX and submitted every statement needed to make sure my account was paid. I now have lost all documents because I lost my house to a fire.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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: GA

Complaint narrative:
In XX/XX/XXXX I had a capital one credit card. I fell behind in payments because I lost my job. When tax time came I called capital one and asked for a pay for delete because they had been reporting on my credit report ... I was agreed and I made the payment. I paid the complete payment and to this day the acct is reporting as closed and paid but its still reporting as a collection on my credit report as of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
While reviewing my XXXX & XXXX credit report, I discovered that CAPITALONE has fraudulently and/or inadvertently initiated and reported a collection action to all the credit reporting agencies. I personally contacted CAPITALONE " DISPUTED THE DEBT '' and advised them that this debt was as a direct result of " LOST/STOLEN ID THEFT '', therefore, that I am not responsible for the DEBT. To this extent, I requested CAPITALONE to validate this DEBT and/or perfect security interest by providing me with a " CERTIFIED BILATERAL CONTRACT '' and alleged unpaid invoices under FDCA. To this date, CAPITALONE has failed to " VALIDATE THE DEBT and/or Perfect any Security Interest '' as required under the law. 
Furthermore, I advised CAPITALONE that fail to '' VALIDATE and /or PERFECT SECURITY INTEREST OF THE DEBT '' as required under the law within 30 days, that they must and are required to cease and desist attempt to collect on an unlawful debt. 
However, CAPITALONE disregarded my request and continued attempt to collect on an unlawful debt without just cause and/or for any legitimate reason in clear violation of FCRA ; FDCA and my PRIVACY RIGHTS. 
CAPITALONE intentionally and purposefully with malice continued total disregard to the law constitutes gross negligence, causing and depriving me access to adequate housing, the ability to secure a meaningful employment and/or obtain new credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 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: CT

Complaint narrative:
This was for XXXX billing I vacated the house by XX/XX/XXXX and they have billed me for XX/XX/XXXX I closed the account before I moved out I called them and gave explanation and asked them why I was charged. I filled a dispute online but without any explanation on why I was charged they sent collection notice and added to my credit report. Till now I do n't know why I should pay this amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
capital one said this was an interest free credit card, that i got through XXXX as an employee, now they are charging me interest on the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 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: Great American Finance Co
State: MI

Complaint narrative:
Great American Finance is a fraudulent account that was opened in my name. I was successful at getting the account removed from XXXX and XXXX but not XXXX. I have reported this account as fraud with XXXX and they always say the completed results have verified the account belongs to me. I have even sent a complaint with consumer finance and XXXX responded saying Great American Finance provided them with my correct birth date, social security number, address and name. Which makes sense because the person who opened the account stole my identity and used all of my information. The account is not mine and they continue to report inaccurate information to XXXX. I went to the police station filed an identity theft report and the officer even spoke with a representative from great American finance who said if I fax the affidavit and identity theft report, they would delete the account. This has yet to occur

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There were fraudulent charges on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
CAPITAL ONE BANK MADE TWO HARD INQUIRES ON MY XXXX CREDIT REPORT THAT I DIDNT CONSENT TO

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I went in to XXXX XXXX XXXX because I was told that I could finance using my XXXX. I was approved by Capital One Auto Finance to finance a vehicle with a down payment of {$4500.00}. I paid my down payment on XXXX XXXX, 2016 ( {$2000.00} in cash and {$2500.00} on my credit card ) and received a receipt from XXXX XXXX XXXX. My first payment of {$410.00} was dues on XXXX XXXX, 2016 and I paid this on time. The vehicle was towed by Capital One Auto Finance and I received a letter from them on XXXX XXXX, 2016 which stated the vehicle was taken back, " because you broke promises in our agreement. '' I called Capital One Auto Finance to find out why exactly the vehicle was taken from me. They informed me that they could n't finance someone with an XXXX because it was against their policy. I asked how they could approve me to begin with and then accept not only my down payment but the first month 's payment as well. And on top of that, I asked how they approved me for a credit card through Capital One Bank ( at the time I banked with Capital One - I 've since closed my accounts ). They were unable to explain why. I asked when they were going to refund my down payment and first month 's payment and they stated they would n't. I expressed that if it is against their policy to finance people with XXXX then they should approve them in the first place and then take their money. I called Capital One Auto Finance 's fraud department and they also told me that they were not going to return my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Kohls is bordering on harassment calling me 6\7 times a day. They want me too pay for a mistake that a worker made with my credit and now they want me to pay for that mistake. Well I 'm not paying for someone else 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am having this Lord & Taylor for years never missed a single payment on it I was the one who closed the account on my own, I keep on making my payments but my balance is just the same they charge me over 25 % APR this is not fair play, Please help me, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I decided to close my Capital One credit card due to issues with customer service. Capital One refused to do so, however. As of this writing, it appears that Capital One has still refused to do so. The first attempt was via telephone, starting at XXXX XXXX. The initial representative refused to close the account ( on which there was a zero balance ), as did the supervisor. Further, the supervisor refused to provide a NY address to which complaints and a written instruction to close the account could be sent. 

The second call, starting at XXXX XXXX was largely similar. I then tried to close the account via the website. Despite allowing virtually every other type of transaction, the website does not apparently permit the closing of an account requiring that to be accomplished via telephone. I can only assume this is part of an intentional strategy to frustrate customers who wish to leave Capital One. The third call was substantially similar to the first two, except that Capital One cut off the call when I asked to speak to a supervisor. 

The representative on the fourth call, after a few minutes, said that she would close the account, then told me it was accomplished, and promised an email confirming the closure. Thereafter, however, she transferred me to another person, who said the account was still open. This after more than an hour trying to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have made monthly recurring payments, in excess of the minimum amount due, to Capital One for my home equity loan. These payments are made from my XXXX XXXX XXXX Account. I received a notice from Capital One that the XXXX 2016 payment was returned for insufficient funds and they threatened to report my account as delinquent on my credit report. However, XXXX XXXX XXXX 's records indicate that the payment to Capital One cleared. I have tried unsuccessfully to resolve this matter with Capital One, and this is not the first time Capital One has failed to appropriately apply payments to my account. It appears to be a recurring issue with Capital One, which I believe is attributable to a significant deficiencies/material weaknesses in the company 's systems, processes and/or personnel. Capital One, however, not disclosed these deficiencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This that capital one credit card is not mine that was actually someone stealing my identity also the XXXX XXXX associates for XXXX XXXX whatever in XXXX that 's not mine either and there is also something right after that for some XXXX or something also in XXXX Louisiana that 's not mine either so those need to be removed we were hoping some kids get off the street and get back into the workforce and I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 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: NJ

Complaint narrative:
XXXX XXXX located in XXXX XXXX, California sent me a bill for {$2700.00} in connection XXXX which has been deemed XXXX necessary for pregnant women over XXXX years of age XXXX XXXX ). I spent a great deal of time discussing with my insurance company to understand why it was n't covered and with my doctor 's office -- XXXX saying the invoice should not be that high. XXXX then sent my debt to Credit Collection Services in XXXX MA to be collected -- for the full amount of {$2700.00}. I called XXXX, and after explaining my insurance does n't cover it and my doctor 's office believes it should be much less, the XXXX rep said, " Oh, well, we do apply a 'client assistance discount, ' so the actual amount should be {$140.00}. '' A friend of mine was pregnant last year, and she had the same experience. Looking at the internet, people are reporting this practice everywhere -- sending an high invoice and then sending to collections quickly thereafter to try to collect the entire amount. XXXX is sending people to collections with inflated invoice numbers. I followed through enough to figure out that I should n't be paying this amount, but other consumers should be protected from this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 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: Diversified Consultants, Inc.
State: MI

Complaint narrative:
A registered letter was sent to XXXX XXXX XXXX regarding a collection with XXXX services requesting that this collection agency validate that I owe this debt. The validation request letter was done around XX/XX/2016 requesting documents showing my signature on this XXXX account that they are trying to collect. 

Received a response from XXXX XXXX XXXX that the account was closed and I do not owe this debt.On XX/XX/2016 Diversified Consultants, Inc. reopened this collection right after it was closed from XXXX XXXX XXXX on XXXX/XXXX/2016 restating that this collection with XXXX was reopened ( Opened ) requesting payment of this balance of {$390.00}, of which the balance has increased from the original balance of {$380.00}. Being that XXXX XXXX XXXX could not validate this debt, of which I do not owe nor does this bill belong to me, this new collection agency has reopened this collection immediately after the closing from XXXX XXXX XXXX. 

First of all, I do not own this debt, second, it is not my account and third, this reopening of this collection has directly affected my ability to purchase a home. It has placed a negative image of my credit worthiness on all XXXX credit reports and has stopped me from purchasing a home which had a direct decrease of my credit score. I had been pre-approved for a mortgage in XX/XX/XXXX and now it has been denied due to my credit score, which resulted from Diversified Consultants, Inc. reopening this collection of which again I state that I do not owe nor do I own this collection. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My checking account has been charged {$3500.00} since it was opened. These fees are abusive to my account, some fees are justified and some are not. When you try to discuss it on the phone or at the branch you are treated rudely almost all of the time. It is as if " How dare you question us ''. there is inconsisstancy in there procedures, most of their customer service reps never tell you what is the banks policy and when you question them or catch them their answer is I am not a bank official. When you withdraw money by overdraft service they double and triple charge you, by this I mean if try for {$100.00} it refuses and then you try for a different amount to add up to the {$100.00} they charge you not the XXXX {$35.00} fee but up to XXXX or XXXX fees. when I questioned this you would have thought i was speaking a different language bot at the branch and on the phone. They just take their fees at will and I am so disgusted by their attitude and the free access to my account. They just take without notifying you or allow you to question them. They are not allowed to touch my money at will. I repeat {$3500.00} in fees since -XX/XX/2015. Never return promised calls, take money from account leaving nothing left then you mention no money to live on, get to work, suffer from XXXX and other issues and they dont care. Really how can they do this. Never mind my pension deposits never hitting account on time or giving information on it a direct deposit. typical answer nothing posted yet, such a disgrace this bank and management.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
Hello, I applied for a Pre-Approved Auto Loan through GM Financial only. The GM Financial application was sent to a XXXX Dealership. My authorization of the GM Financial application was to only allow GM Financial to use my information and run my credit. However, the chevrolet dealership was able to use my information from the GM Financial application to run my credit at multiple lenders. I never once gave approval for GM Financial to openly allow my information to be passed onto other lenders. The dealership took it upon themselves use my GM Financial application and send it to other lenders. I feel as though GM Financial and myself had a contract between only us. The information I provided on their application was strictly to be used for a loan through them not another lender. The lack of protection of my credit information by GM Financial is carless on their part. Additionally, the dealership is at fault as well. However, that is a separate issue. The key issue here is GM Financial falsely advertised that my personal information would only be used for a loan through GM Financial. However, the lack of control and security of their handling of my GM Financial application allowed the dealership to run my credit through other dealership without ever making a new application. 

The dealership information is below as well : XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Work : XXXX EXT : XXXX Cell : XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 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: LA

Complaint narrative:
I had credit card HSBC account that was buy by Capital One Bank XXXX but the account was close and paid settlement XXXX for {$160.00} at that time. I did not received call or letter or statement. XXXX day I received a phone call stating I had Capital One Credit. I open credit card with Capital One up on XXXX/XXXX/2014 and charge {$660.00}. Capital one sell the same account to XXXX I have ask over the last year to remove from my credit bureau and also I have asked send me proof to me ware I signed a credit application with capital one in XXXX, I have not received any information yet

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
in regards to what is going on i have a collection account with Kimball trey & ST John due to an unlawful detainer through the XXXX courts. they claim that i owe them XXXX when the documents that i retrieved from the XXXX county courts say that i owe XXXX in which i have contacted them twice and offered to pay them the XXXX and they refuse to except saying that the XXXX was attorneys fees.and the Memorandum clearly states that the attorneys fees our only XXXX i sent them a copy of the paper work and i told them they where giving false statements to the credit bureau. i did disput the claim and the credit bureau said do an investigation and this was the next step that i am taking .what ever help i can get it is very much appreciated .Thank you in advance Sincerliy

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