vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade is good in that it offers good promotions. 2 months of free trading practically and a bonus once you bring in new money. I 've done several XXXX trades with Scottrade, and the executions seemed ok for the most part. Free trades are always good to have but yes they will eventually run out. 

The XXXX complaint I do have with Scottrade is that withdrawal limits are extremely low. First you have to transfer your funds from your brokerage account to your scottrade bank account, which takes a few seconds, so that 's not a big deal. But the limits are as follows to withdraw from your Scottrade bank account to your external bank account via ACH - $ XXXX max per day and $ XXXX max per rolling week and $ XXXX max per rolling month. So if you have a $ XXXX portfolio, for example, and want to extract your funds, you have to either get a check from them, or go to their office and get a wire transfer form. They may waive the fee for it, but your receiving institution will still charge a small fee perhaps. It 's just a hassle. I know XXXX and XXXX have very generous ACH external transfer limits. Scottrade, on the other hand, should learn from the big boys.

Company response to consumer: Closed
Consumer complaint received 2017-03-01 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: CA

Complaint narrative:
I cancelled my gym membership for XXXX XXXX XXXX XXXX XX/XX/XXXX. I paid my {$20.00} fee. I have the receipt. Then collection calls began arriving. I was told I owed for XX/XX/XXXX and XX/XX/XXXX even though I was no longer a member. I have my yellow sheet showing my membership cancellation and cancellation of the contract with a XXXX balance owed. I sent proof to the collection agency ABC Financial Services of XXXX, AR XXXX of my receipt, and the cancellation showing XXXX balance, but they keep calling, I contacted XXXX XXXX XXXX four times by phone and visited twice in person and was told it was taken care of. I contacted their corporate office and was told it was not their problem, it is the franchised gym 's issue. No one will help me. Today ( XX/XX/XXXX ) I received yet another collection notice. They call me daily and now are sending mail all for {$20.00} they say that I do, which I do not. It 's not even the money, which is {$20.00}, it 's the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have 3 credit cards with capital one. Capital One is giving me the run-around yet again. 
I reported them to you in XX/XX/2016, and wanted to have my interest rate lowered to pay them off. I received a phone call about this issue and now can not re-connect with that person to lower all the interest rates to pay off the balances. I am not working, and am in financial distress. I do not want want the accounts to go into default with being late. I am NEVER LATE WITH THE PAYMENTS. I should not have to go into a default late status to receive help in lowering the interest rates and payments to pay these cards off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
A person opened a Capital One business credit card in my name and charged {$27000.00} in XX/XX/XXXX. I do not have any credit card accounts with Capital One. An adverse account notice was found with Transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One is who I have the complaint with. I have reported them to you in the past also. 
I have XXXX credit cards with them, they refuse to help on these major issues : ( I just lost my job XX/XX/XXXX, keep this in mind. ) Lower the interest rate, even though I have had their cards for a minimum of 5 years. 
This is really not fair at all, considering I am never late, and I lost my job, I can not believe that they flat out refuse to help in any way, shape or form. They told me " some card holders have that offer, to lower the interest rate and monthly payment '' Some????? 
All of their customers should have that available to them! That is ABSOLUTE DISCRIMINATION TO THEIR CUSTOMERS. I can not believe that they are legally allowed to help some customers that lost their jobs and not others! This is absolutely ridiculous and should not be allowed to continue. And it should not be considered an offer it should be flat out across the board for ALL OF THEIR CUSTOMERS. 
Their " young kids '' that they hire are NOT trained at all. I was told XXXX different stories of a department that may be able to help people that lost their job. Someone told me they were in that department over this past weekend of XX/XX/XXXX. Then when I called back, a rep told me that no one in that dept works on the weekends! So, I was evidently flat out lied to and deceived that she actually worked in that department.. 
I was told on XX/XX/XXXX from a rep that she would give me a courtesy credit of {$35.00} because of my dire circumstances. I called the next day, there is no record of this on my account, and since they helped me in the past, they absolutely would not help again. 
I want that conversation listened to because they absolutely deceived me! Cap One should be fined for all of this deception to their customers! I have some very high interest credit cards that have a hardship program, of lowering the interest rate and the monthly payments and suspending use of the card for 6 months. That is a very reasonable way to help a customer in my situation. And Cap One, a XXXX dollar corp has nothing like that to help us. And they outsource their workers to other countries, I hope they get taxed like crazy from that. I NEED A JOB, AND THEY CONTINUE TO OUTSOURCE! 
I WANT THE SAME '' OFFER '' THAT THEY GIVE OTHER EARLY ASSISTANCE CUSTOMERS AND i WANT IT ASAP, ON ALL XXXX OF MY CARDS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PROVIDENT FUNDING ASSOCIATES
State: WA

Complaint narrative:
My client, XXXX XXXX XXXX, submitted an application to refinance XXXX homes. It was a very long process. She provided all the information needed. Eventually a loan was offered. She approved of the terms and went forward. Closing disclosures were sent to her on XXXX XXXX for the XXXX properties. She signed with a notary sent by the closing agent. She submitted a check for the cash due. About seven days passed when the lender ran a new credit report, found her score had gone down, and denied her the loan on the terms she signed for. A new offer, with more expensive terms, was then offered to her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was charged interest on purchases for a credit card that had been paid in full the prior month. When I called to find out why I was charged interest, I was told that the interest was residual interest and unless I paid my account in full 2 months in a row, there would be residual interest. I asked them to explain to me what purchases had residual interest and they could not explain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a Kohl 's charge account. 

I added my checking account information to their online system and it shows as verified. I initiated an online payment for my minimum amount due on XX/XX/2016. Kohl 's never attempted to withdraw the payment from my bank. My bank account records confirm this fact. On XX/XX/XXXX, I was charged a return check charge and the payment was reversed. 

I verified on my account page that my routing info is entered correctly. The system only allows you to see the last XXXX digits of your bank account, but I also confirmed that. Further, I confirmed the account number by entering it XXXX when initially adding the checking account on the Kohl 's website. 

Kohl 's erroneously failed to submit my payment to my bank correctly and then charged me a returned check fee. However, there were sufficient funds in my account at the time I submitted the payment and I provided Kohls with accurate routing and checking account number information. 

Upon a cursory XXXX search, I found that I am not the first person that this or something similar has happened to and that Kohls is engaged in a pattern of this behavior in order to collect extra late fees and reverse check fees from customers who pay their accounts diligently and on time. 

I will pay the balance of the Kohl 's charge in store to avoid any further incidents of this sort.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am working with a debt management company XXXX XXXX XXXX on my credit card debt with Capital One. Capital one sued me with its third party debt collection agency XXXX Law Firm. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a " Kohl 's '' charge account which I always have paid more than the amount due. I did not always receive my bill on time, a few times I had been late. I found that I was being charged more than what I owed because of them adding a very high late charge, when I had already sent in the payment. The last time I got XXXX of these late charges I paid it with a small balance on my account. I owed nothing. Next thing I know they send me a bill with a late charge as the balance and a interest amount on top of it. I contacted them and told them what was going on and they just kept trying to collect it, I then received another bill and a phone call, on the call I explained to them what had happened and they told me that there was nothing they could do. I asked to speak to a supervisor, when I did I explained that my bill was already paid off in whole and that their whole balance was in late charges added after the fact. She said she would take XXXX fee off but not the other. I told her I would not pay either XXXX. I recently received another bill with the amount showing an additional charge for delinquency and they also reported me to the credit agencys to drop my credit score. This is why I stopped getting credit cards prior. This kind of abuse of their using my account to try to make money they are not owed. I also told them that I would not pay for late charges after my bill had already been paid in full and I was reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received an email message from Capital One on XX/XX/XXXX indicating that my checking account had been over-drawn. I logged on to my on-line account and realized that Capital One had debited my account with a check belonging to another account. I immediately sent an automated message to dispute the transaction. The following day, I called customer service to follow up since I had not received a response. The agent reversed the overdraft fee but indicated that the actual transaction would not be reversed for 2-3 days. 
I again followed up on day 3 and then was told that the reversal would not take place until XX/XX/XXXX. The customer service supervisor did indicate that he would " temporarily '' reverse the debit so my funds would be available to me. The incredibly disturbing issue with this entire transaction is the fact that I am able to see an image of the check written from a different account ... routing number, account number, customer name and address, etc ... a complete lack of security. What would stop this error from occurring again with one of my own checks being debited to a stranger 's account, allowing them to easily obtain my personal information. Capital One needs to put immediate corrective actions in place to avoid errors like this and to avoid breaches of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I send a domestic wire transfer from my CapitalOne Bank account to my friend who has an account in XXXX. The XXXX got returned because the account number provided by my friend was closed ( error on my side ). I send a wire for {$1700.00} but the wire got returned for {$1700.00} i.e. {$45.00} were deducted from original amount for some sort of return fee. In addition there was a {$25.00} fee charged to my account for sending the original wire and a {$15.00} fee was charged for incoming wire. I tried to explain my bank that this was unfair as i should not be charged for return wire as well as original wire + incoming wire as this is same transaction that was returned. It Seems outrageous to get charged {$85.00} XXXX XXXX ) penalty for return wire in my own account. I would have been ok if there was a nominal fee charged for my error ( giving wrong account number ) but getting charged 1750 % XXXX interest rate ) for a penalty seems far outrageous

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 120 days past due as of XXXX 2010 90 days past due as of XXXX 2010 60 days past due as of XXXX 2010 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I wrote a check in the amount of XXXX, check number XXXX, on XXXX from my Capitalone 360 checking account. A deposit made on the same day in the amount of XXXX should have covered this check. However, the account was charged a finance charge on XXXX, after I wrote check and deposited it to my XXXX account. The finance charge appeared today, XXXX, in the amount of XXXX. Prior to this, a funds transfer in the amount of XXXX posted on or around XXXX, bringing account to a XXXX balance. The account was overdrawn for quite sometime and there was an overdraft line of credit in the amount of XXXX, it appears the line is now down to XXXX, according to reps spoken with today. Please note, I did not receive any notice overdraft line was closed and or brought to XXXX. The only notice I received advised me the account could not be used until its brought to a positive balance, it is currently XXXX positive. I need overdraft line reinstated and check paid with no overdraft fee to resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
capital one refuses to remove the fraudulent account on my credit even though they lost a judgement against me and the case was thrown out of court,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: New Century Financial Services, Inc.
State: NY

Complaint narrative:
I 'm receiving letters from XXXX and XXXX claiming to represent New Century Financial services. They claim that it 's a subpoena and ordering me to state my finances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sent two validation letters to XXXX and they ignored my requests for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have attached documents that explain what happened during a recent credit card dispute. I submitted my vehicle to an ill reputed mechanic shop and did not get the service that I had asked for, but was charged {$650.00}. Capital One then asked me for documentation to prove that the original mechanics had not provided the service I had asked, and I provided them with a receipt from an inspection by a XXXX dealership showing that the problems which XXXX XXXX had originally agreed to address were not addressed at all. Capital One told me that the documentation was not enough and then made unreasonable demands for follow up documentation. Specifically, they asked for signed letterhead from XXXX specifically naming XXXX XXXX as the mechanic that failed to provide the service I specified. I do n't know how XXXX could possibly have known what I asked the XXXX XXXX to do. It was an unreasonable demand and I felt that Capital One was just trying to shut the case down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX insurance has sold a debt to credit collection service in XXXX, Ma that is listed on my credit report when. I paid them and went to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Delta Outsource Group, Inc.
State: MN

Complaint narrative:
I keep receiving continued calls ( many times per week ) from the following number ( XXXX ) for a debt owed by my adult son who does not live with us. I have told at least XXXX different people to stop calling and they promise that they have put our number on a do not call list, but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
We prequalified for a loan with Lender. Lender quoted several different interest rates over 3 days discussion. Lender committed to being able to close within 30 days. On this premise we signed a contract. On Friday, XXXX, I wanted to look the loan. The lender again quoted several rates and XXXX different PMI payments. When I asked to have in an email, not even a GFE, the lender then gave a different rate and points quote. After ~ 2 hours on the phone, the lender then said they could n't close in lees that 45 days. I made a purchase decision on the basis the lender would be able to close in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 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 was a paid-in-full member for XXXX years with XXXX until XX/XX/XXXX. I stopped using the club shortly thereafter when a company called XXXX took over, and announced they were closing several locations XXXX. I was under the impression that since I was a paid-in-full member, that the staff would contact me to solicit a new paid-in-full membership. They made no such attempt, and instead decided to make monthly electronic debits of $ XXXX dollars according to the terms of the original contract. I do not check my bank account regularly, but after 1 year of not using the club, I found out about all these withdrawls. I am willing to accept that it was my own fault that I did not read all the fine print in the contract, and that there was a clause that said the club could transfer the collection dues without warning to any company of it 's choosing. On XXXX XXXX, I sent a letter stating to stop making withdrawls to the company. I received an initial response with a pdf letter stating that they could not honor my request. Shortly thereafter, I then received another email from an employee XXXX that my automatic daft information was removed, and that I would need to go to the nearest location to sign a " waiver '' in order to cancel my membership. I went to the nearest location XXXX after this email was sent, only to be told my club employees to come back when a manager was available, and was given incorrect information that I was supposed to contact the company in writing, and no mention of a waiver. in addition, I was denied proper access to view the original contract signed by online access through the company website XXXX When I requested a password reset, the email with the password reset function was never delivered, I check my spam folder just to be sure. 
After this time, I have received mixed guidance from the company, stating I must sign a waiver and pay a final fee to close. I was getting notices stating that I owe XXXX in order to cancel. I am willing to pay this amount ONLY if I am given a PROPER explanation of why I was not told when my Paid-in-full contract expired by facility staff, and why I was not informed of new Paid-in-full membership options, prior to the New company XXXX XXXX ) taking over operations in XX/XX/XXXX. Now I am getting an outside Debt collection agency called SEAS AND ASSOCIATES, who are not parties to this case. They are sending me notices that I owe {$140.00}, and I am getting harassment phone calls. They are not explaining how this figure was calculated, and in doing so are not using fair disclosure practices.

Company response to consumer: Closed with explanation