vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I have been a good customer of Capital One credit cards for four years. I also bought and paid for XXXX cars through Capital One bank. I have never once been so much as late on one payment. Recently, they asked me to switch to a new credit card called the Quicksilver. I switched, and the day I activated the new card they froze it and stated that they had concerns with my identity. I verified my account to them and they still would not tell me what they wanted. When I called customer service, they indicated that they would be sending me an email that explained things but would not tell me again what the problem was. I asked for a supervisor, they gave me one, who again would not tell me what the issue was or what the problem was. Again zero resolution and the service agent just kept talking over the top of me and telling me " what Capital One was going to do. '' So I said I wanted another supervisor, and he told me I would have to have one call me back in 72 hours, so I told him I wanted a supervisor and I would wait for one. This bank offers its customers the worst treatment of all time. They treated me like a criminal. What is worse is they indicated that although they have concerns about who I am they will still send me a bill, which I can then pay out of my bank account. So I told him I wanted to pay off the card, bring it to a XXXX balance, and then keep it open but never use it again. They said they would not process the charges. At this point I need your agency 's help to resolve this issue and no longer desire to speak to Capital One without your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This collection company sent me a letter trying to collect on a debt that I do n't owe from XXXX insurance company. They are saying I owe XXXX but in fact I do n't! They automatically withdrew money from my bank account each month and they did n't insure XXXX of the cars that 's why I had to seek new insurance with XXXX XXXX! I paid them every dime that I owed them and they are still trying to charge more! They sent me a letter informing me that they were canceling my policy because they did n't insurance on of the XXXX car! So if they did n't insure the car there was no money owed and I set up direct draft! They need to send me an itemized statement with all the charges being very specific on to what I 'm paying additional money for. Texas law requires them to explain to me with original documents from original debtor on how they came to the amount of {$320.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To whom this may concern, I applied for a credit card with Capital One XXXX XXXX XXXX and was turned down on XXXX/XXXX/2015 and a few months back. The attended asked me if I kept a balance on my credit cards and when I said No. She told me I was turned down although I have excellent credit. Further, I received a offer from the Capitol One XXXX Reservation : XXXX, Access Code XXXX. I called this XXXX to apply. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
The available credit on my account with Capital One is down from over XXXX available from yesterday to only XXXX today, XX/XX/XXXX. The attached screen shot shows all transactions both posted and pending, they still do not add up to show difference in available credit. Despite chatting with XXXX different chat reps, both slow/inept with bad English, I am unable to figure out the difference from having over XXXX available yesterday to XXXX today. The reason I am concerned among others is because I had a transaction get declined from XXXX due to low available credit. Also, there appears to be some transaction ( s ) which are not showing as posted or even pending which is cause of the problem. The attached screen shot from today shows all items posted and pending, do not account for difference in available credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
I financed a car for over XXXX dollars, I became XXXX when I only owed {$2400.00}. Car appectance now company XXXX CNAC XXXX informed me after they reposed the car, they then sold the car and I now owed the balance after the sale. Which at that time was stated {$1800.00} some odd dollars. They in turned reported to all three credit bureaus an incorrect amount due balance is still {$2400.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I get a chargeback on my account on XXXX/XXXX/16. I contact my bank Capital one and fax the documents on XXXX/XXXX/16 as request by the bank. I received a notification on XXXX/XXXX/16 that my dispute was denial due to documents received after the date line. I called the credit card company with prove of documents faxed on time and they still applied that he was received after the date specified in the letter. The company did n't give me the regular time frame and did n't follow with me about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a Neiman Marcus credit card. There have been XXXX occassions when I have made my monthly payment by the due date and received my billing statement indicating that my account is past due. I make my payments using the automated system. The automated system indicates that if you make your monthly payment by XXXX your payment will be posted to your account on that same day and will be considered as being paid on-time. Well on both of the occassions I made my payments way before XXXX and when I got my billing statement it indicated that my payment was past due. I also got a separate notice in the mail indicating that my payment was past due. Neiman Marcus is telling their customers false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My husband and I applied for a mortgage modification from our lender Capital One. We were approved and began making payments on time. We were told that if we made three consecutive payments we would be approved for the new modification mortgage. A few months later we were asked to sign and have a notary of our signature so we sent back and Capital one told us they did not receive. They later called back and said they found the signature. We continued paying the mortgage and a week later they needed another signature motorized. This was a concern because we had already been approved and now we have to sign again with a notary. We sign and had notarized but the paperwork never was received so Capital one sent us a letter that our modification was cancelled. I immediately called and asked them to please reconsider but they told us we need to reapply and now are trying to charge us outrageous fees. Please help us resolve this matter. I feel that the company should be investigated for poor business practices. The server should have had all paperwork signed, notarized and completed before making any approvals on the loan. Captial ones practices are poor and deceptive business. We want our modification we were approved for back without all these added fees that we are not getting because Capital one extorted money for missing signatures that they should have gotten before approving any mortgage loan. This was is what they call a servicing scam on the part of Capital one, used to trip up consumers and mess them up with their approved payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I do not owe this debt. I have rechecked my dates that I was covered by my parent 's policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parent 's policy in XXXX XXXX. 
On turning the age of XXXX, it became my secondary policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 
All payments for health care services had been compensated for via insurance. I do not own any medical debts, I even had additional coverage in my employment package. Please note this to my prior entry I do not owe this debt. 
On turning the age of XXXX, it became my secondary policy and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have formally requested by certified mail on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 that XXXX XXXX XXXX XXXX XXXX provide me with VALIDATION of the account they have listed under my social security number acct # XXXX that they are reporting to the XXXX major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I request such VALIDATION of the debt. Also to certify that the debt was incurred legally during the period it may have been payable this is not a request for an overview of lacking depth in lieu of that this is a requisition for a substantive audit. They have failed me and only provided me with an invoice bearing no evidence that this debt belongs to me. They have also stated that they have disputed this account and will not dispute it any further and no further response will be forthcoming from their office they consider this dispute closed.Thank you in advance for your assistance in getting this account deleted since they have failed to provide me with validation in a timely manner per the FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
This complaint is regarding a mortgage loan I had with TCF Bank. Due to financial hardship, in XXXX of XX/XX/XXXX I received a loan modification refinance through TCF Bank. During the modification process, I was never informed of the charges of the refinance or what amounts/charges were included on the loan, even thought I asked. The day I signed the refinance modification documents, I was not given any explanation of the charges, only the interest rate and the mortgage monthly payment amount which I was happy with since it was going to be very low compared to what I was previously paying. There was only a few pages that I had to sign, very vague thought. 
Since I received my loan modification, I had been making timely monthly payments to TCF Bank, never receiving monthly statements from them or any other type of communication until my loan was sold to XXXX XXXX Servicing on XX/XX/XXXX. 
In XXXX, I received a mortgage statement from the new mortgage holder, XXXX XXXX XXXX stating that I owed {$2400.00} in late fees. Apparently TCF Bank had transferred this amount to them when they purchased the loan. I was in shock, very surprised when I saw such amount, why is this coming up now? - more than XXXX years had passed since I got the loan modification and nothing had been mentioned by TCF bank since then, I never received any notification charges from them, so why was this happening now. 
Late fees were accrued when I fell behind on my mortgage prior to obtaining my refinance, there should have not been any charges going forward as everything should have been included in the loan amount which according to the loan amount, those late fees were included and waived, at least that 's what I thought. 
I have been disputing these fees with XXXX XXXX XXXX and I have also contacted TCF Bank, my previous mortgage holder so they can fix the issue or mistake with XXXX but they have ignored my communication. 
I am at a loss and I do n't know what to do. I feel that I was deceived by TCF Bank, they were not honest and straightforward with the refinance and charges and they found an easy way out, sell the loan. 
Very disappointed and unhappy consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
: foreclosure mills co conspirator XXXX XXXX, XXXX a debt collector violating FDCPA rule are submitting notarized documents robo signed and self notary by XXXX XXXX XXXX she signs affidavit of ownership,, then notary he substitute trustee form see attached. She signs AS XXXX XXXX, AND TURN AROUND and signs the notary after she prints the name XXXX XXXX The substitution of trustee was not file in the court or available to the public when this case was file. 
XXXX XXXX SIGNS The afflictive of ownership XXXX XXXX SIGNS signs affidavit of default XXXX XXXX sign as XXXX XXXX, AND TURNS AROUND AND NOTARY THE SAME DOCUMENTS with this boiler plate forms and template form XXXX XXXX signs and notarized her documents ... request FOR DEPOSITION XXXX XXXX ( you have over XXXX attorney in this case non have sign document to certified the truth to fact of the false documents they are filling in court. 
will prove she was hired as a ten dollar an hour employee hired to sign documents and notary her document, robo signs who lack knowledge of what she was signing. 
The previous debt collector XXXX XXXX used XXXX XXXX, XXXX XXXX to sign affidavit when that was challenged the case was voluntary dismiss by the debt collector capital one, Na and debt collector XXXX XXXX, XXXX. 

Connect the dot back the note and security agreement. self appointment of of trustee, no proof of standing, lack interest assignment in lank record states a very different owner defective assignments case voluntary dismiss after being challenged .Connect the dot back the note and security agreement. 
self appointment of of trustee, no proof of standing, lack interest assignmnet in lack record states a very different owner defective case voluntary dismiss after being challenged ssignment FRAUD pattern in land record by XXXX XXXX XXXX XXXX XXXX lack interest no assignment in land record. assignment in land record states a very different owner Defective assignments voluntary dismiss after being challenged by previous substitute trustee see exhibits attached ASSIGNMENTS FRAUD FILLING FALSE DOCUMENTS REQUEST AFFIRMATION BY THESE ATTORNEY AS ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no evidence of XXXX on note attached no proof of standing, lack interest no ssignment in land record no evidence of XXXX on note attached. no document to show XXXX owing the note and mortgage SEE EXHIBITS XXXX CASE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I applied for a loan on Saturday to get a car and found out that Santander was reporting me as late four times for 90 days. In actuality, I requested Santander to pick-up my van XX/XX/XXXX as a voluntary repossession. They repossessed it a few days before XXXX XXXX XXXX. XX/XX/XXXX, they contacted me acting as if I still had the car. I had to contact the company that had repo'ed the car to provide proof that it was not returned to me. Fast forward to this past Saturday when I found out that XXXX has never reported the repossession but has it as if I still have the car but am in arrears! The last time they reported was in XX/XX/XXXX which dropped my XXXX credit score from XXXX to XXXX! As a result, I was unable to received bank financing for a car!! Since they have reported me 90 days late since they repo'ed the car, I suspect my credit score has been taken a hit since then. This caused me not to be able to get a house through FHA because my score was too low!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
KEY BRIDGE Account number XXXX have a a unverified account from. I had previously disputed this account. I have never done business with KEY BRIDGE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt KEY BRIDGE purport I owe. I request that KEY BRIDGE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KEY BRIDGE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: GREAT WESTERN BANCORP, INC.
State: NE

Complaint narrative:
Multiple contacts by the lender to attempt collection from me on XXXX loans which were XXXX under chapter XXXX bankruptcy. The lender also has continued to report an active updated payment status monthly to the XXXX major credit bureaus.

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 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have contacted Capital One Auto Finance, several times since XX/XX/XXXX, as well as contacting the credit agencies to inform them that there are duplicate credit inquiries on my credit report. I have asked both to remove the duplicate entry. It was reported on my credit report as of XX/XX/XXXX. All I am asking is for the duplication to be removed ; however, the lending agency has ignored my previous requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
we have been doing with capital one for months and we dealt with and XXXX XXXX and had no kind of resolution with her because she would tell us one thing and it was something else then I found XXXX complaints with the XXXX office and received letters from XXXX XXXX who every time we called it was a busy signal so there was no communication and they claim they called but left no messages so we did not know what was going on now they select a collection agency one day and were sick of this without eating any kind of proper communication with Y we are ready to sue so this is our last resort we want to settle this but every time we call XXXX XXXX XXXX there 's a busy signal a capital one headquarters in Virginia we are tired of being XXXX over and being the blame so something needs to be with the way that they so call communicate with people

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Credit Report Shows balance of multiple accounts that are not mine nor have my information. There are multiple companies involved. 
XXXX XXXX CAPITAL ONE : XXXX accounts show on my credit report, no more information, but is affecting my credit history. I spoke to a supervisor who could not find such accounts but they still being reported on my credit report. 
XXXX ) XXXX : I have no debt they want to collect but appears on my credit report and I have disputed the information almost more than XXXX days ago, I have not get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
rec a ltr that my acct was cr for XXXX this was n't done, and want of statementsements from XXXX to current to see where this cr was issue, as they are now revesring it and putting it bk to the acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received a Capital One Credit Card to be Activated in the mail. I did not request this card. I reported it to Capital One fraud department and do an investigation on who did it. I called them to find out what is going on. They told me they filed this to my credit at the credit bureaus. They should not have done that to my credit rating since I did not ask for this Credit Card. Company is Capital One, XXXX XXXX XXXX XXXX, XXXX Virginia XXXX

Company response to consumer: Closed with explanation