vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Kohl 's corporate office has called repeatedly ( up to 5 times a day, daily ), and as late as XXXX after I have asked them not to call after XXXX due to the fact that I have XXXX young children, at least XXXX is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
As a small business, we signed up for Capital One 's SPARK PAY to accept mobile merchant processing payments. After signing up online, and receiving the dongle for our phones, an agent called us to inform our company that the terms of the agreement had changed, and that Capital One would be holding our proceeds for up to three months on a revolving payment schedule " while we establish a relationship with you. '' For example, {$100.00} in merchant fees would be paid off in {$33.00} increments, ever 30 days. 

Since they were calling to get my assent to this change in terms and conditions for their service ( before we had ever used it ), I asked what would happen if I said no. " We will cancel your account. '' I told them " Go ahead. '' A typical merchant processor pays within a day or two. Capital One was going to pay over three months, and not disclose that important fact until after we signed up. This practice is absuive, and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 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: CCS Financial Services, Inc.
State: WI

Complaint narrative:
They are trying to charge me for service that they were unable to render to me. after three months of having them come to my house to install and fix the service that they were trying to render to me I had decided to disconnected my service with them. Now that account is in collections I have contacted the collection agency I did a written dispute in detail and now have to deal with unnecessary collectors.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Our ING online account was purchased (? ) by Capital One. My husband tried to access our online account and was locked out. After waiting on hold for up to an hour each time over a week, he was able to reach someone who said our account would be unlocked and it would take 5 days. That was two weeks ago. He has been trying ever since to reach a person at the phone numbers they have online and in the documents they mailed to us to no avail. He has been on hold each time for up to an hour each time. We can not access our money and can not get a hold of anyone to make that happen. We have no idea what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a car repossession on XXXX XXXX by Capital One auto Finance. I 'm trying to get my car back and paid made a {$1300.00} payment which I was told I needed to make a payment of {$2500.00} to get the car back. I could make this in payments. I spoke with a rep on XXXX XXXX and was told I would then need to pay {$500.00} my regular payment which I informed him I did n't have. He put me on hold and came back offered a extension took my payment of {$1300.00} and we ended the call. Only to find out on XXXX XXXX from the XXXX XXXX XXXX where my personal items were cleaned out of my car that my car was being sold on XXXX XXXX. I made a call back to the Reinstatement department and was told by a XXXX XXXX who was beyond rude that why ca n't you pay your car not you have been late 21-times. We all have hard times you did n't know you got a email before talking to him there was a young lady. Who ask if I was told about a email I was not told by the rep on XXXX XXXX there would be a email coming where the sale date would be moved up due to the extentsion being offered to me. Nor was I told about the Loan modification program that the {$1300.00} could be used as good faith payment toward getting my car back. So now I 'm being told they will not except my {$1300.00} as good faith payment to get my car back. When I have been given incomplete information through out this entire process with Capital One Auto Finance. That this program of Loan Modification, a good faith payment is not really to help the consumer. It is only to see how much more money can you come up with. After speaking with several rep 's and a few were really nice and did n't make me feel like a XXXX. But the ones who did the man on XXXX XXXX, a XXXX , XXXX on XX/XX/XXXX, young lady name XXXX on XX/XX/XXXX were awful rep 's. Life happens to us all at some point and time but I want to get my car back. I am being made to jump through hoop, after, hoop a supervisor is never available to speak with. I would like to place this compliant against them my personal items were place in someone else 's care that was repossessed at XXXX XXXX which is very unprofessional. Which I had to pay {$50.00} to get from them. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a Capital One credit card but began to receive letters from them about fraudulent transactions even before I received the card. I never activated the card and asked them to close the account. I closed my checking and savings accounts with them and sent a follow-up letter on XX/XX/XXXX asking them to close the credit card account. Recently I began receiving statements for the credit card. I sent a certified letter to them on XX/XX/XXXX notifying them that I had closed the account XX/XX/XXXX. The account still has not been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
We disputed and item on our credit card with Capitol One. The rental of an auto. We provided documentation that showed the charges, however Capitol one has stated that the are correct and want to charge us for the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been defrauded by Capital One bank and possibly others. A credit Card was taken out, in my name. I have contacted Capital One bank numerous times with faxes and police reports stating their fraud against me. I have yet to have a resolution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX, SC XXXX : Capital One FCRA LitigationTo Whom It May Concern : I had previously advised your company that I have been a victim of ID Theft. As a result I have a fraud alert requiring companies to contact me prior to approval for credit. Over the last 2 years Capital One has called/sent letters asking if I applied for credit which I have not. I have responded by phone and in writing that I have not applied/authorized said inquires on my credit and they needed to be removed. Your company stated in response to a previous CFPB Complaint and said that you would remove the unauthorized inquires once I faxed a copy of my credit report. Which was done the day that it was requested. Well now over a month later not only do they still remain but the number of inquires have since increased. Between all XXXX credit bureaus there are over XXXX total. Under FCRA ( codified at Title 15 United States Code Section 1681 and following ) this constitutes Willful Noncompliance in reporting on your behalf. 
Although your company seems to think that you can take advantage of what you perceive to be an uninformed consumer, I am far from that. I know that under FCRA each separate incident ( Inquiry ) reported where your company has failed to prove Permissible Purpose I am eligible for {$2500.00}. Now as we both know I can retain a law firm that I have worked with very closely in the past do handle this matter and they would gladly take the case and file suit. Your company in an effort to avoid a lengthy lawsuit costing thousands of dollars in attorneys fees and court cost would attempt to settle. Now that is a route I do n't mind going but serving in the XXXX XXXX XXXX of the values instilled in us daily was integrity. Due to the fact I do n't think it 's fair for your company to immediately be forced into paying my attorneys fees and so on I am going to afford you XXXX final opportunity to resolve this matter on a voluntary basis. I do want you to bear in mind I also do n't believe it is fair that your company being the 'Big Business ' you are completely ignores this offer to resolve and merely offers to correct the problem. The XXXX are not XXXX in the same and if you treat them as such I will cease all contact and file suit against your company. 
Here is what I am proposing you immediately remove any and all inquiries from all XXXX credit bureaus and pay me a settlement of {$10000.00}. The offer for settlement is more than fair considering your cost in legal fees would far exceed that amount. This must be done on or before 14 calendar days from receipt of this notice. If you opt to not to do so then I will have no choice but to seek the full amount entitled to under FCRA plus actual damages. Please confirm receipt of this notice by calling XXXX. 
Thank you for your prompt attention to this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I 've had contact with Capital One Bank regarding charges being charged to my account that I disputed for day one. Capital One contacted me and informed me that a request to XXXX XXXX disputing the charges were submitted but XXXX advised them that the charge was correct. I disputed the fact that the charge was being paid in bankruptcy not that I was not aware of the charge. Capital One is now saying they can not request the funds back to be credit to my account. This dispute has been going on for two year with no results or support for Capital One. My credit card had a credit limit of XXXX how could a charge for XXXX be approved and when dispute the fact that the charges are being paid in bankruptcy, Capital One refuse to handle the dispute even when they agreed on receiving proof that the charge from XXXX is being paid in Chapter XXXX Bankruptcy. Capital One continues to allow a charge that is over my credit limit remain on my account although they agreed they have proof that the charge is being paid in Bankruptcy. Capital One is reporting false information on my credit report and approving a charge over my credit limit that I dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I had an account since XXXX 2012 with capital one auto. After XXXX years of paying on the loan capital one began harassing me with several phone calls a day and now text messages. I also have a late payment that I disputed with them after a representative stated they only mark your account late if the payment is n't in by the end of the month for reporting. I also was promised paperwork to restructure my loan and then I was told it was n't sent because I stated I would be hiring an attorney.Company has called over a XXXX times back to back. I have enclosed only a handful of calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: AZ

Complaint narrative:
This is Conn 's Home Plus and I am late on a payment and now they 're calling me XXXX, XXXX, sometimes XXXX times a day everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Sent XXXX checks to XXXX XXXX XXXX from CapitalOne 360 account. XXXX claims they never received the checks, yet they were cashed. CapitalOne continues to fail miserably in finding where the money was ultimately sent and either crediting our account or sending the exact same amount to XXXX. It 's been nearly a year and no resolution is in site. Their latest attempt at resolution is, charitably, completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have over XXXX inquires that have been filed for a car loan. Over XXXX of these inquires was done. I have called the finance companies, and they have refused to remove the inquires from the credit report. The credit agencies, XXXX. XXXX, and XXXX have told me that I half to be present in the dealership in order to run my credit. The dispute case that I have is the confirmation no. with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
They 've called me XXXX times in 14 days ... and its still XXXX. So, I 'm sure I 'll get a XXXX more today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: OLD NATIONAL BANCORP
State: WA

Complaint narrative:
I have a mortgage on a house XXXX. When I moved back XXXX, I rented out the house. After being denied the pay that was due me and being fired when I filed a lawsuit to collect, and a tenant that did not pay, I could no longer afford to keep the house. I also had to put my primary residence on the market. I stopped paying the mortgage in Wisconsin and contacted the lender. I requested to do a deed in lieu of foreclosure. I was told that they would not accept that if I did not put the house on the market. I finally talked them into considering it, but they sent me as much paperwork to complete as if I were buying a house. I spoke to them again and said that I did n't have everything they wanted and they said that they would not consider the deed in lieu without it. Someone contacted me to potentially buy the house on a short sale so I contacted the bank again. Same paperwork and they would not consider it without an offer in hand. The potential buyer did not want to go through the formal offer process without knowing that the bank would consider it. I still can not pay the mortgage and they will still not accept a deed in lieu and are moving forward with foreclosure. I now need to deal with their attorneys. I can not use the XXXX Foreclosure Mediation Program because it requires you to be there in person and I can not afford the trip.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Upromise, who is owned by Sallie Mae provides 1 % cash back on eligible purchases. We have submitted the last XXXX checks and have never received them. We have logged online and sent customer service multiple emails. We did not know who to contact Uppromise is operated by a Credit Card Company, Owned By SallieMae so we were unsure as to who to contact within your department.

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 2017-02-03 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank/Care Credit ... I went to the dentist for a procedure in which they opened up a Care Credit account ... The account was at 0 % interest and payments were supposed to be made monthly until complete ... I made all my monthly payments, to include on time ... After paying on the account for 12 months, I called in because I had an additional bill and I was told that the account had been charged interest since it was not paid in full in 12 months ... I never received any paperwork stating this would be case nor was this information disclosed to me on month XXXX, XXXX, XXXX, etc ... After all the penalties, interest, etc., I was told that my remaining balance was {$1900.00} ... The initial balance when opened was {$1600.00} and I had paid that all the way off minus {$100.00} ... After explaining to Synchrony the situation and requesting copies of the contract that stated I had 12 months to pay in full, they never sent it to me ... I requested several times over the phone and 3 times certified letter ( all of which were ignored and not responded to ) ... They never sent me the original contract ... In addition, I was told by management that I would be allowed to pay the remaining balance in full ( {$100.00} ) and I should receive a new bill with the final amount within a couple weeks ... I never received a bill and a month later, I noticed they charged the account off and placed it on my credit ... This account was originally for {$1600.00}, I made monthly payments for 12 months at 0 % interest and had a short balance, and now they 're saying the charge of amount is {$2200.00} ... It does n't add up, to include they do n't have my original application/contract.

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 2016-01-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have disputed the amount via mail twice within the initial 30 days of being charged. The issuer however have not fully investigated the amount I am disputing and keep closing the dispute without telling me. 
I will not pay for charges made for services not received. I do not feel the credit card issuer is unbiased since it is the same company who charged the amount, they are not looking out for the best interest of the card holder me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Over the last 5 to 10 years I have XXXX credit cards that eventually were bought out by Synchrony Bank. I had one account that was closed that I have had open and current for over 5 years and the other for 1 year. Payments were to Rooms to Go, HH Gregg and Belk were always paid on time and or paid in full. The accounts were closed without my knowledge and without reasoning. Again I always make on time payments and due to this fact it hurting my credit score.

Company response to consumer: Closed with explanation