vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-12 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: GA

Complaint narrative:
XXXX claims I owe {$21.00} on a cancelled XXXX auto insurance policy. My family and met with XXXX XXXX and bound AUTO Insurance before insurance lapse with XXXX. There has been XXXX ( XXXX ) attempts by XXXX ( XXXX ) people to resolve this with XXXX. XXXX now has put the above debt into collections. 

To date, XXXX XXXX, 2015, and to my knowledge, this issue has not been resolved and is costing me time, money and stress with their written threat to tarnish my credit by XXXX XXXX, 2015 should this fraudulent debt {$21.00} not be paid by XXXX XXXX, 2015. 

Please assist me in communicating that this debt is n't owed and to reimburse any and all monies due to me. Thank you!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
In XXXX 2014 I purchased a new vehicle. The auto dealer brokered financing for a car loan. Now I am attempting to purchase a home and can not obtain a mortgage because I have over XXXX hard inquiries on my credit reports from all XXXX agencies. 
Capital One Auto Finance pulled my XXXX, XXXX and XXXX credit inquiry on XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14 and XXXX/XXXX/14. XXXX inquiries in XXXX months on all three reports? How is this allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Bliksum, LLC
State: CA

Complaint narrative:
Have received several phone calls from office of XXXX regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I enrolled in a high deductible Health Insurance plan through my employer effective XX/XX/2016. I opened an HSA with XXXX XXXX around on XXXX XXXX, 2016. I decided to fund my HSA by completing a one time partial rollover of cash from my traditional IRA at Capital One Investing. I submitted a Transfer form which I received from XXXX XXXX and had my signature notarized by a notary at a XXXX office since I 'm a member. 
Capital One received the form and refused to process because the form did not include a Medallion Signature Stamp. I tried to submit the from a second time and took the form to my personal bank, XXXX XXXX. XXXX XXXX representative told me the Transfer form does not require a Medallion Signature Stamp because the funds being transferred were not securities but FIDC insured cash. XXXX XXXX agreed to guarantee my signature and stamp the form which they explained is similar to a Medallion Guarantee Stamp. 
Captial One refused to process the second request to reansfer funds to my HSA because they said the form lacked the Medallion Guarantee Stamp. 
As a final resort I had the funds distributed to my personal checking account and then transferred the funds to my HSA. The problem is this transaction will now appear to be taxable. I feel Capital Ones requirement of the Medallion Signature stamp impeded me from completing the rollover transaction as provided by IRS regulations. 
Medallion Signature Stamps are difficult to obtain. Few institutions offer them and I would have had to open an account that I did not want or need.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Brelvis Consulting, LLC
State: IL

Complaint narrative:
I called this company and they said they would consolidate my loans and give me loan forgiveness for all my loans and would only charge me based off my income. also told me after 3 years whatever my payments was during those 3 years was enough and my loans would be dropped and would be forgiven. They said based off my income my payments were XXXX dollars when in all reality all they did was put me in deferment for a year. they also charged me XXXX dollars for this service.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Jim Bottin Enterprises, Inc
State: RI

Complaint narrative:
I was contacted on XX/XX/XXXX while I was overseas by a collection agency XXXX XXXX represented by XXXX XXXX : XXXX about a claim number XXXX turned out ABC financial XXXX runs the billing for Best Fitness gym in XXXX NY XXXX sold them a debt of XXXX $ that I supposedly owe them. 
She refused to give me the option to challenge the debt or to send me anything in written that would explain this exuberant debt. The monthly fee is XXXX $ and I stopped paying them since XX/XX/XXXX. Here is why : on XX/XX/XXXX I signed a XXXX yr contract with the gym. On XX/XX/XXXX, I called to cancel as I have n't used the gym since XX/XX/XXXX XX/XX/XXXX or so and I lived in New York XXXX. They sent me an email with the address to which I should send a copy of a bill to prove that I moved ( XX/XX/XXXX, XXXX ) .I mailed them the same week that bill to the address provided to me in the email of XXXX XXXX unfortunately I have no proof of that mail no more ). In XX/XX/XXXX I noticed on my credit card statement that I am still being billed by the XXXX company. I called to tell them my subscription should have been cancelled since XX/XX/XXXX. They denied receiving anything and said that XXXX XXXX to whom I had talked to in XX/XX/XXXX was no longer an employee and they are not responsible for any correspondance between the XXXX of us and insisted on making me pay all the charges. I mailed them again another bill with certified letter this time of my new address XXXX XXXX XXXX and asked the credit card company to stop payments and to revert payments made after XX/XX/XXXX XXXX considering they should have stopped payment at that time, XX/XX/XXXX XXXX mo ). XXXX, in the event that I actually do owe them sthg still, it is definitly not XXXX $ which is more than 2 years of membership all together. I thought of contacting ABC financial but then I read about the scams of the collection agency and that even people who settled with the original company ended up by getting more phone calls and hassles. Can you please help me fix this issue once and for all? The only option XXXX fund gave me was to either pay the whole sum or get reported to the credit bureau on the spot!! and by the way XXXX is rude and practically accused me of lying to her as I complained I could n't hear her well while using a roaming service and when i asked her if there isn t a way to challenge this debt in some court or negotiate it and for her to send me something by writing, she goes : no, and if you do good luck, they re very good at getting every penny from anyone they want!!!! 
I am reaching out to you because I feel any further discussion with this company is not going to be in my favor as I have found lot of ripoff reports and complains of people who were in my situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 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: NC

Complaint narrative:
Contacted me about false information on credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I am tired of the broken and failed processes at FedLoans. Why is it every time a change is made in my normal payment plan, there is a break in payment process with a requested {$5.00} payment that does not count towards my Public Service Loan Forgiveness Program ( PSLF ) program. I am XXXX years old, XXXX of these {$5.00} non-payments over 10 years that does not count towards my PSLF program, is more than 10 years my PSLF program is delayed from completion, i.e. almost a year is added to the 10-year wait. This affects both my finances and retirement choices towards the end of my career. I am willing right now to make any on-time regular/normal payment ( non-inflated due to process ) during each transition between plans that counts towards my PLSF program. Why is this process so broken, and whatever genius came up with the {$5.00} temporary payment is not doing consumers, federal workers and veterans over XXXX years old any favors. I am requesting that this information be passed on to a person who can make a determination and advise on how I can make regular payments without interruption? If this needs to be elevated to supervisors or a fed loan consumer advocate then please do so, I am tired of having my student loans mismanaged by Fed Loans with requirements that defeat the purpose of the PSLF program and may violate consumer protection laws. It is not in my interest to make {$5.00} non-payments over the age of XXXX, especially if my health does not permit me to continue until past the age of XXXX in my current position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I keep getting harassing statement 's in the mail, from XXXX, and Capitol One card 's. They wo n't quit harassing me. I want them to quit harassing me. I wrote them decease and dessist letter 's and told them which chapter 's I am filing and talked to a XXXX XXXX, he is a lawyer. He said they can not touch my financial money I get from the Government. Now I am going to get a free consultation from a XXXX XXXX up in XXXX, but have to call him tommorow. I am going to see what my right 's are and try to file bankruptcy. If you could please get these people off of my back I would appreciate it. I am sending you a letter and some info about their companies! Please call them and tell them to quit sending me statement, that I only get {$10000.00} a year approximately. I can not afford to pay them, they should have known better than to give a Mental Patient money. Especially when I told them i get SSI, and, XXXX, and Housing and urban development, and food stamps. I am poor and can not afford to pay them back. I am pleading bankruptcy, and seeing a lawyer about it. I have to see a XXXX. Please tell them to quit sending me statements and tell them to quit harassing me. Thank You! XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Notified Capital One several times that my account information with them for XXXX credit card is not being reported to XXXX They do n't seem to care alot! XXXX told me that Capital One told them to delete the account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Pulled credit report without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My card was stolen while I was hospitalized. I report the fraudulent use to Capital One. However, several of the charges were charged back to my account. Capital One advertises zero responsibility for fraudulent use but claims that because the chip in the card was used that I am responsible for the fraudulent charges. I have requested several times to the Fraud Department to credit my account, but requests have been ignored. My account is basically paid in full and should have zero balance. However, the fraudulent charges totaling {$460.00} is on my account, and I am being charged interest on fraudulent charges. In addition, my payment date and address was changed, and I questioned whether a duplicate card was mailed and/or a data breach at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. 
I have inquiries from XXXX XXXX XXXX XXXX. Dates XXXX, I have XXXX inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Capital One Bank XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX and XX/XX/XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I get paid once a month due to XXXX. I explained that I can only get paid once a month. After asking them to refrain from contacting me consistently, I get hung up then they call later that day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24 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: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY MINE! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP PHONING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one and myself agreed on a payment plan to help my credit card account. Capital One has continuously called me for payment. Even after I had made payment been sent receipts by Capital One. They continue to remove me from my plan and then refuse to speak to me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The payment history is not correct on this credit chard. I have called the cc company, I have emailed them, I have sent them certified mail letters, but the information is still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX my car insurance with XXXX ended when I found a cheaper rate ... sooo I did not pay my final bill of XXXX to them. So my policy was cancel. I noticed when I started viewing my credit report recently the above balance was on it. I do not understand why XXXX XXXX sold my account to a third party collection agency name Credit Collection Services..I always in the past searched for better car insurance rates and not been penalized by having the balance on my credit report for not paying the policy in full ... Is this legal? By the way never read anything on my policy stating that unpaid balances go to collections ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Not only have I requested my Credit File Annually, I have not received this report in 2 years. I am tired of the lies and games with MY credit file. This company received MORE than the XXXX items listed in their denial letter sent to me. I have proof of documents received that were sent to all XXXX of the credit reporting agencies. The documents were tracked & posted as delivered. The agencies received a copy page of a previous credit file ... a Copy of my US S.S. card, a copy of my FL state issued DL, a copy of a Utility bill, full information, name addresses 2 years and prior, and my Post office address. AND THEY ARE STILL PLAYING A GAME WITH MY CREDIT FILE. I want my copy EVERY YEAR. Not once every few years, after I take legal action every time for 6 months to receive it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Being sued by debt collector XXXX XXXX for a debt I did not even know about. I asked for verification and they sent a stack of paperwork from an account I did not open in XXXX or XXXX. My husband and I filed bankruptcy due to an auto accident in XXXX. I have only opened XXXX credit accounts in that time. Because I do not work and have bad credit. The paperwork they sent me has the wrong dates. Even my credit report says this debt was discharged in bankruptcy. Yet they are still taking me to court. Also the debt buyer company and original credit card company capital one started reporting on my credit report that I opened said account in XXXX. Yet I never had attempted to open any credit account in XXXX and underneath these XXXX reports it says may have discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA

Complaint narrative:
this person called me repeatedly throughout the day on both cell phone and work phone for multiple days. When I called them back she accused me of harassing them because my phone cut out and I had to call them twice. The lady screamed at me on the phone, and was abusive toward me. When I told her she was being rude to me she said that I was just trying to talk over her she kept yelling at me over and over would let me get a word in edgewise and finally hung up on me without taking payment. Her final words to me where " call back when you decide to pay your bills ''. I 've never dealt with someone so vitriolic before- I 'm still shaking.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-05-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A company advertising as XXXX online trial for skin cream. On XXXX XXXX, 2016 I ordered the trial. I careful looked to see if there was any recurring charges on this ad as this XXXX becoming an epidemic when ordering products none was shown. I ordered the product and my charge was billed for the trial of XXXX. On XXXX/XXXX/16, I noticed a charge on my credit card for XXXX. I had not authorized any charge and called my credit card company. I was told that it showed preauthorized and asked to call the number on the charge receipt. I did so and it was an overseas company. The representative indicated that I had ordered the trial and by doing so I agreed to recurring charges. I shared that no such language was on the original order site nor was it on the emails confirming the shipment. I was told it would be canceled. The company showed the cancellation was made as of XXXX/XXXX/16, however I called on XXXX/XXXX/16 and then called back on XXXX/XXXX/16 as I had not received a confirmation of the cancellation. I was told I would receive this and to date it still has not been issued. I am submitting this to CFPB due to the fact that this company, though they show my cancellation still expects to get paid for a product that was never shipped other than a trial. I disputed the subsequent charge to my credit card company in XXXX and on XXXX XXXX received some documents from a different company about an agreement for recurring order on a different product. The company changed its name & product. I ordered XXXX, which is on my original order receipt and a company called XXXX XXXX responded to my credit card company. I never order anything from XXXX and never agreed to any type of recurring shipping of the product nor did I receive any subsequent order of the product. I believe this company should be investigated for fraudulent advertising and charging consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Had capital one credit card for 10 years after all this year 's wants me to proof who I 'm because they think I 'm not the person who opened the account call ask to speak to a manager and it 's never available also put me on hold for 20 minutes and they accused me for fraud ca n't stand this bank no more

Company response to consumer: Closed with explanation