vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed my chapter XXXX petition bankruptcy on XXXX/XXXX/16 and XXXX, collecting for a capital one credit card bill that was included in my BK filing, reported a collection account on the same exact debt on XXXX/XXXX/16, one month after filing. i called XXXX to tell them of the filing and spoke to XXXX supervisors who basically told me " too bad '' and they are not inclined to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I turned in a Honda Civic I was leasing in XX/XX/XXXX. On that date, I received a new Honda Civic. On XXXX/XXXX/2015 I woke up and found my new Civic was gone. After calling everyone I needed to report the car stolen, I found out it had been repossessed. I called Honda Financial and asked why. They informed me it was due to nonpayment and I was XXXX days behind. I asked how since I made every payment. They did check into it when I stated all my payments have been made. They saw the money had been routed to my old account instead of my new one. I asked if there was anything I could do to get it out of repossession and clean this off of my credit report since I have never missed any payments and they could see that when they checked my accounts. They informed me I had to talk to the recovery department about this. I had many issues with the recovery department the first day I tried to talk with them. I called numerous times to be routed to someone else I could speak with to work out my problems with the person I was dealing with in recovery and with my account. However, every call was forwarded to the person I was having problems with and I was told by her, there was no supervisor available and no one else to take the calls or complaints. 
I admit, I forgot to change the account number on my online banking. I also did not open any mail due to the fact I knew how much my bill was and what date it was due and that I had made all the payments. I never received a check back from Honda until after it was repossessed. Had I received this, that would have sent a flag up to me to call and fix the problem. 
After trying to work something out with Honda, I was told there was absolutely nothing I could do and would have to pay all repossession fees, the lot fees and have it on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
The apartment manager refused to do the walk-thru inspection of the apartment. He than said he was charging for new paint, New carpet and new tile. Then he turned the illegal debt to an attorney who called me on XX/XX/2015 at XXXX when I told him I filed a lawsuit against the manager and not to contact me. He sent papers that he was pursuing the illegal debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One closed my account because activity on account was not consistent with personal, family values, and household values.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My complaint is with Capital One 360 ; they do NOT allow an individual account depositor to add a " Payment on Death '' or Beneficiary to an account. Capital One 360 is an online banking subsidiary of the Capital One Financial Corporation, a financial holding company publicly traded on the XXXX ( XXXX : XXXX ). The web-only bank officially took over ING Direct in 2012 and offers an array of depository banking and lending products, in addition to its brokerage platform. The Capital One 360 branding was first introduced at the XXXX of 2012. I completed the online application form with Capital One 360 and officially opened an account a month ago. I called to add a POD to my account and spoke to XXXX ( XXXX ) ; he told me Capital One 360 does not allow this option but I could change my CD to add a co-owner. Not satisfied with this explanation, I called Capital One 360 two more times and was told the same thing. I was highly upset! I 've never dealt with any bank that did n't allow a POD to be added on my account. One of the customer reps that I spoke with offered an interesting tidbit of information stating when Capital One 360 bought " ING '' online bank in 2012 - it 's been very difficult to integrate the two systems. Really!! Their IT Dept has n't been able to figure out how to add the option for their customers to place a POD or beneficiary on an account! This is outrageous! I 've checked with other online banks ( XXXX, XXXX, XXXX, XXXX ) and they all accept a POD or beneficiary to be added to your account. Had I known this option was n't available with Capital One 360, I would NOT have opened an account with this online bank. They have breached my trust! I 'm asking for your assistance to research this information and to make everyone aware that Capital One 360 online bank does not allow the option to add a POD or beneficiary to an individually owned account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citimortgage recently sold the servicing rights to my mortgage loan to XXXX XXXX XXXX effective XXXX/XXXX/16. I called both entities on XXXX/XXXX/16 trying to obtain a payoff demand because I 'm refinancing my mortgage and the new loan is about to fund. Citimortgage was not able to provide me with a payoff because they claim they do n't even have my loan info on their system anymore. XXXX XXXX claims my loan info is not uploaded onto their system yet. XXXX XXXX said it will take at least XXXX business days following the official transfer date of XXXX/XXXX/16 for my loan info to reflect on their system. Due to their transitional mistake a customer ca n't even obtain a payoff during the transfer. Please help.

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 2015-12-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX I paid {$90.00} to Kohl 's Department store on my husband 's account instead of mine. When I received the XXXX bill I immediately contacted Kohl 's and was assured that the money would be transferred to my account from his and that late fees, etc. would be removed. In mid XXXX and in late XXXX I received telephone calls asking why my bill was not being paid. I explained the situation each time and was promised that it would be corrected. Employees I have spoken to include XXXX ( employee # XXXX ) and XXXX ( employee # XXXX ). 
Our account numbers are XXXX XXXX XXXX, XXXX XXXX XXXX. 
On XXXX XXXX I received a letter stating that my Kohl 's charge was being suspended and that my " refusal to pay '' was being reported to credit collection agencies. 
Please assist me in resolving this matter, so that our credit ratings are not effected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received XXXX letters from CapitalOne on XXXX XXXX, 2015. XXXX letter stated that I would be receiving a CapitalOne Credit Card with a credit limit of {$10000.00} within a couple of weeks. I did not solicit a credit card from CapitalOne. The XXXX letter contained the credit card. 
The following day I received a message to call the fraud detection department at CapitalOne because there had been unauthorized use of the card by the second person named on the card in XXXX -- -I live in XXXX XXXX The credit card I received had only my name on the card. I was also told that the card had been cancelled and that I would not be responsible for the several small charges made to the card. I persisted and got the name of the second person and the XXXX charges made in XXXX. The number I received reached the CapitalOne fraud department in XXXX. I asked for a number in the USA. The XXXX number I called reached their fraud department in XXXX XXXX. The XXXX number that I was given reached offices in XXXX. The helpful clerk in XXXX provided the information concerning the second person named on the account and the XXXX small charges made before the account was closed. This clerk would not name the city where she was located in Oregon but by asking questions It was narrowed to either XXXX or XXXX. 

It is beyond my comprehension that a multi-national credit card company would send an unsolicited card with a ready limit of {$10000.00} that could be activated by someone other than the named party printed on the card. My attorney is looking into possible action against CapitalOne for their unethical business practices. I will abide by his recommendation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a Kohl 's credit card in 2014. I have found that this company uses false advertisements and underhanded business practices. Since I 've had the card, I 've tried to maintain a XXXX balance. My first interaction with this company and it 's misrepresentation resulted in me doing a survey where I was to received {$50.00} of free merchandise for filling out the survive. I wound up being charged {$69.00} for a promotional product that should have been free. I had to have my bank reverse the charges and dispute it to get my money back. The second incident, involved me returning a gold chain that broke after a week. When I returned it they did n't want to give me the full price I was charged because I used {$20.00} Kohls cash that they gave me to use in the store. The last incident, which prompted this complaint, involves me having to pay late charges on an account that should have had a XXXX balance. I am having to paid {$14.00} out of {$48.00} of late charged on a {$32.00} balanced I was unaware. The last payment I made to XXXX out my account was {$250.00} in XXXX. I was given this amount from the in store personnel. Unknown to me, the amount I paid left a balance of {$32.00}. I received no further billing correspondence from Kohl saying I owed anything. Since I was under the impression I owed nothing not receiving a bill was ok. I received numerous promotional correspondence but no bill. I made a purchase at the store XXXX XXXX and had no issues with the card, 2 days after the purchase and 2 days before this complain, I get a call from Kohl stating That I owed {$89.00}. I was informed that I owned {$32.00} balance and {$48.00} in fees. At that time, the representative willing to discount all the extra charges and I was only to pay {$32.00}. I tried to discuss with the Kohl 's representive at the time but I had to do my due diligence and go through my paperwork. I discovered that indeed I did owe {$32.00}. When I called back, that 's when they refused to discount the total fees and told me if I did n't pay My account would be reported to the credit bureau. They refuse to give me a supervisor or a name or number to someone else to talk to. I would like you assistance in resolving this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I wanted to get tax info on my auto loan and it was not available on the website so I called the number on my bill and the website from my loan ( CapitalOne-XXXX ). When I called I was subjected to ads and offers from XXXX companies ( XXXX, XXXX, etc ) then was told that the number had been changed to XXXX XXXX. This was another ad for XXXX with no end to the loop. I just got out of the hospital and need to get this my answers quickly as I have no stamina. Can you please check into this and see that they correct the phone number or change it so people can get " Customer Service '' from a representative?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a past due balance due on my Kohl 's charge account. I made payment arrangements, and after I made these arrangements, they still have me on their automatic dialer system. They called me 2 different days, even after I told them to stop calling my cell because I already made arrangements, and that I was getting annoyed by these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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: NC

Complaint narrative:
Company is trying to collect on Capital One Credit Card XXXX that was forgiven by Capital One and I paid taxes on the forgiven amount. Company is also trying to collect on a XXXX credit card and sent a summons to my home without a court date and I was never sent anything with their intents to prosecute. After having this company use illegal collection practices, I do not wish to deal with them and refuse to pay debt I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX/XXXX/16 I went to XXXX XXXX to purchase an ink cartridge. I used my credit card and XXXX XXXX billed me {$76.00} cents. Approximately 30 minutes later I returned the item, the same day, because my husband has a XXXX XXXX card and we decided to use it. XXXX XXXX gave me a refund receipt showing the item returned and monies refunded to the card. Capital One, the owner of the credit card I initially used sent me a bill in XXXX 2016, stating I was billed a second time by XXXX XXXX and must pay {$76.00}. I told them I did not purchase the item with their card a second time and that I will be contacting XXXX XXXX. I went back to XXXX XXXX and they were able to run the Capital One card and saw that they did not charge me a second time for the ink cartridge. They gave me duplicate receipts of the purchase and return/refund on XXXX/XXXX/16 and I sent copies to Capital One to show as proof that I never purchased the item a second time and that it was returned and the card was refunded. Capital One sent me a letter stating that the receipts were not enough and they are still going to charge me and the case is closed. They continue to bill my account this erroneous charge and fail to show any proof of a second charge from their end. At least XXXX XXXX was able to run the card and see that they did not charge a second time. I have sent letters to Capital One including their corporate headquarters and they refuse to remove the charge from my statement. I am a simple XXXX employee and {$76.00} means a lot to me and I can not afford to pay for something that I did not purchase and they refuse to do anything to remove the charge, even though XXXX XXXX insist they did not charge my card and I could see from their report they did not. Thank you for your assistance in this matter. Kind regards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had a Capital One/GM card for many years and used it to build up dollar credits to be used when purchasing a new XXXX automobile. I always paid my balance in full at the end of every month. Upon returning from vacation in early 2014, and retrieving my held mail from the post office, there was a Capital One bill in the mail stating I owed XXXX plus a late fee charge of XXXX. I immediately contacted Capital One. After explaining that I had just returned from vacation and found this bill in my mail, the supervisor agreed to waive the XXXX late fee and accept my XXXX as payment in full. I paid immediately thinking all was well with my Capital One account. Some time later I tried to use the card and it was rejected. I called and the representative informed me that my card had been cancelled due to delinquent payment. 
I am now purchasing a new XXXX vehicle and upon trying to use the Capital One/GM credits I had accumulated over the 10 or so years I used this card, I was told the credits are expired and there would be NO WAY of retrieving any benefit from the expired dollar credits. 
It 's my contention that Capital One unfairly cancels customers cards with very little provocation in an effort to extinguish their purchasing dollar credits and thereby saving Capital One or GM large sums of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Great American Finance Co
State: CA

Complaint narrative:
Great American Finance Company is horrible to say the least I have never missed a payment when I open the account and made all my payments up to date. I went online and made my payments always. In XXXX XXXX I notice the company report a 30 day late when I was not late, I called them to discuss the issue and they stated that its because I had not full paid my total due in XXXX XXXX, I then explained the issues and also stated that I was never informed that I had a late payment in XXXX XXXX, in which GAFCO stated that it was a late fee that just kept on adding up. I explained that was very deceptive and misleading and sent several letters to the Manager and still no response not even a call back. I spoke with a Customer Service Representative who stated that she would look into the matter and correct the late payment. GAFCO never corrected the late payment then in error they placed another late payment for the month of XXXX XXXX in which again I called to dispute the matter and even stated that how could I be late when I paid up to 3 months in advance in XXXX XXXX. I was very frustrated after that and got the Attorney General involved and now they continue to report " Account Charge off '' on my credit bureaus for the last 6 months. The same account they have reported as a " charge off " for the last 6 months, which puts a negative hit on my CRA just to lower my scores. Great American Finance Company has continued to the FDCPA 807. False or misleading representations. As they continue to violated federal law, by not False and misleading information provided to the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I always pay my balances in full. I went online to pay my account balance two days over due. I checked the box that said pay last statement 's balance which was {$740.00}. To this balance they added the charges for XXXX that had not yet come due totaling {$1600.00}. When I questioned them about it they said the payment was being processed, and there was nothing they could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Capital One checking and credit card account ( for now ). An autopayment was set up to pay the credit card balance but I wanted to pay the entire balance so I set up a scheduled payment instead. The scheduled payment was enough to pay the balance but ... ..Capital One withdrew the autopayment and the scheduled payment leaving me with a substantial overdraft in my checking and a considerable credit in my credit card account. My concerns here are as follows:1 ) If I were to schedule a payment that was in excess of 10 % of the existing balance Capital One would not allow it so why would they allow a duplicate payment of ~60 % of the balance? 
2 ) Why does it take less than 24 hrs to withdraw my money but 8-60 days depending on which of the XXXX representatives I spoke with to get it back? 
3 ) Why if I overpaid the balance on the credit card would I be assessed an interest fee? While they did eventually credit the account for the interest, it seems like this process is set up to systemically drive unsupported fees. I suspect I am not the only person caught up in this less than scrupulous activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One is reporting a fraudulent credit card account on all XXXX of my credit reports. XXXX, XXXX, and XXXX. I have disputed this account with all three credit bureaus and Capital One several times, and requested investigations. All XXXX credit bureaus informed me that Capital One verified and confirmed that the account belongs to me. I have not received any proof or documentation from Capital One that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.

Company response to consumer: Closed with explanation