vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
RE : Household Finance HFC is apparently the parent company of XXXX. I have XXXX accounts with XXXX, and they both are in good standing. I came across a situation whereby I was trying to protect XXXX of my credit cards from being charged by a disreputable corporation ( XXXX and XXXX as partners ). I closed the credit card in question and asked for a new card. Without my permission, the corporation contacted HFC and HFC gave my new credit card information to XXXX. As a result of the action taken by HFC, I have been denied the choice/preference of how I wanted to protect myself from this charge by the corporation. As a result of the action of HFC to freely and illegally release my credit card information, which I wanted to keep confidential, I am now being forced to deal with the corporation and their charges in a manner which I find reprehensible, undesirable and a threat to my financial situation. I feel that HFC should be held accountable for their illegal disclosure of my credit card account number and they should suffer the loss, as the corporation I am dealing with has a multitude of complaints about poor and dishonest service and, as a matter of fact, has a complaint pending with the FTC. My credit card information should be MY personal and private information, and NOT something HFC can distribute for use without my permission. I wonder how many more people can now have access to, and enjoy the freedom of use in submitting an unauthorized charged to my credit card. I have filed a dispute with XXXX XXXX over the charge. HFC has obviously resorted to deceptive trade practices, thereby enabling XXXX to fraudulently charge my account. Complaints by consumers about deceptive and fraudulent trade practices run into the hundreds, if not thousands, by XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CapitalOne froze my account for potential fraudulent activity. After sending the requested documentation they still insist on not resolving my issue. If the end result is to close the account and terminate the relationship then let 's do that but to have our funds frozen and prevent us from operating is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Byrider Franchising, LLC
State: NJ

Complaint narrative:
Hello, what happened was I ended up getting the car I got with loan threw J.D Byrider. As the car got stolen, n reported stolen whomever stole hit totaled the vehicle and left it. The state police around XXXX, nj found it and brought it to a towing place in XXXX, nj. Filed the stolen car report and it took 8 months for cnac to place claim. When it finally went threw it was only XXXX XXXX and sum deducted from loan pay out. That was full coverage I had, usually full coverage, theft, etc. J.D.Byrider did n't even go n take pics. To put claim in! They expect me to pay back the loan, I have n't the vehicle, n as I said got their full coverage threw their co.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 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 have received a collection notice from a collection agency in the name of XXXX. I am pretty sure this is not my debt since I have not visited a doctor since 2002 and have never used XXXX as far as I know. It could be for XXXX my family members under my insurance but why is it being sent to me in my name and why did XXXX never send a bill?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
There was a XXXX committed on me by than spouse I filed XXXX in which manager of apartment complex served than spouse. My yearly lease was up month prior and I signed a one month lease informing manager I would be moving next month. So upon restraining order I moved. Than spouse and manager were in an agreement which I was not apart of that he was staying in residence. Than bill he actually owed fell on me when he could not be contacted 6 months later due to being incarcerated for another domestic violence on myself. I sent copies to form as proof. Than suddenly it showed on my credit report I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I enrolled in Capital Ones so called secured credit card and the system denied me and sent some link to view a letter as to " why ''. The link is broken and does not work, they also did a hard pull on my credit report and I received no benefit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
When I applied for a home mortgage refinance loan in XXXX XXXX, the closing attorney found a judgment against my property. The judgment is not against me, but against XXXX XXXX XXXX, my ex-husband, and against my property, property that I purchased from him in XXXX. The judgment was also filed in XXXX. The debt collection agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Virginia XXXX, VA XXXX. The debt is to Capital One Bank ( I assume it is a credit that XXXX XXXX XXXX had ). I made call after call to XXXX XXXX XXXX, the attorney at XXXX XXXX XXXX with no success ( her number is XXXX ). I have also made a number of calls to XXXX at XXXX, ext. XXXX and have not been able to accomplish much toward resolving this problem. 

Bottom line : The default judgment is entered against my property, but not against me. 
The default judgment is against my ex-husband XXXX XXXX XXXX. 
I can not finish my home mortgage refinance application until the judgment is lifted. 
A decision was announced today that the Fed is going to raise interest rates by one fourth of a point which will cost me money for years to come because of the incompetence and lack of concern on the part of XXXX XXXX XXXX through no fault of my own. 
On XXXX XXXX, XXXX, I made payment in full of {$2200.00} to XXXX XXXX XXXX to pay off the debt, and get the judgment released so my banker and attorney could continue with my mortgage refinance. I made this payment using my debit card, and XXXX told me a printed receipt would be mailed to me the following day. After 2 weeks, and numerous follow up calls by me, XXXX XXXX XXXX finally sent sent me a printed receipt showing I made the payment. 
XXXX told me the judgment should be released within 30 days. 
XXXX XXXX XXXX, the attorney at XXXX XXXX XXXX, told me on XXXX XXXX I should not have to pay a debt I did n't owe, and she was going to see what she needed to do to correct it. 
It is almost impossible to get any information from XXXX XXXX XXXX, even though I am not at fault here, in any way, shape, or form. 
There is no public record in the XXXX XXXX, NC court system that the judgment was ever against me. The judgment is clearly against my ex-husband, and has been erroneously entered and is affecting me financially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
credit collection services XXXX XXXX XXXX XXXX ma XXXX is collecting for XXXX. file # XXXX XXXX acct XXXX for {$460.00}. I wrote to XXXX and CCS about the amount which is wrong. I had secured other auto insurance. XXXX is trying to say this is owed for 20 days?! not true when my monthly payment was {$160.00} for 30 days! I am asking for you to step in and investigate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a 0 % XXXX transfer credit card with Capital One, I was planing on using it to transfer a credit card balance of XXXX. I was approved for XXXX. I called them once I got the card to make the transfer, I was told I had to wait XXXX days. When I called after 10 days I was told there was no balance transfer offer approved for me, this was news to me! I called back and spoke to a different person who told me I did have the transfer offer on my account, so I just made the minimum payment on my other XXXX. When I called back to initiate the transfer I was told again there was no such offer for my account. have a credit score in the neighborhood of XXXX, besides my mortgage this would be my only debt. I have a networth of of over XXXX, so not a highrisk customer. 
Because of there missrepresantation I ended up having to pay interest on my othercard which I could have avoided if Capital one had honored the offer I was approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have never had an account with Capital One Bank USA NA yet they fraudulently opened an account in my name and have been having XXXX of their other subsidiaries, Capital One Services LLC send me payment notices. I have spoken with and written to them yet they persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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: MI

Complaint narrative:
I 've been disputing a derogatory account on my credit file and I wrote to the company after they validated the debt and asked for proof of the debt being mine ( signed agreement with this company ) on XX/XX/2017. On XX/XX/2017 I received my XXXX credit report stating that the account ( s ) had been updated ; however I did n't see where any major information had changed. I called XXXX and the representative told me that they just updated the origination date. However, the company never provided any documentation validating this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
item is listed as " charged off '' on credit report and I would like this removed from my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital Ine has repeatedly refused to release MY money from a credit balance refund. I had XXXX Caputal One cards and XXXX has a credit balance of {$1700.00}. I have asked close to 100 times in person, in writing, and via phone to have my money back. I have submitted my drivers license and social security card. I have had branch manager XXXX XXXX XXXX verify my identity to get my account unrestricted. I have an active credit card with Capital One and they keep giving me credit limit increases, yet they still refuse to give me my refund. I even own a checking account with Capital One. I combined my XXXX accounts into XXXX credit card account- why ca n't Capital One apply my credit balance to this card or send me a refund check. They know full good and well who I am, continue a banking relationship with me and increase credit limits for me. Why do they continue to refuse to refund MY money?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I would like to file a complaint with Consumer Finance department. Capital One is calling anyone they can search who has the same last name as me and they are letting family members know that there is an urgent matter in this call and they need to reach me. I have handled my credit issues with them and they still wo n't stop calling my family who I have not listed on my credit application years ago. 

I learned this is called skip tracing and is illegal. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My Capital One credit card was written off XX/XX/XXXX. The debt was sold to a bill collector. The bill collector ( XXXX ) says they are Collecting for Capital One. I just verified this statement with one of XXXX agents over the phone on XX/XX/XXXX. I have been paying on this account to XXXX for over 4 years. On my credit reports the capital one bill decreases with payments made to XXXX. Also, the account with Capital One EXCEEDED the credit card limit due to OVER the LIMIT FEES. I never signed anything agreeing to go beyond the credit limit due to them adding OVER THE LIMIT FEES. I want to see my signature agreeing to OVER the LIMIT fees. Is n't it criminal to set a credit limit for me then charge me more, because your over the limit fees, place me over the limit more??. Even though Capital One wrote this off in XX/XX/XXXX, they have still been collecting money on this account as late as XX/XX/XXXX. If you look at the decreasing balance on my credit reports for capital one this is evident.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I did n't receive a paper copy statement for my Capitol One credit card for the month of XX/XX/XXXX with a payment due on XX/XX/2016, so I called on XX/XX/XXXX to request a copy and spoke to a supervisor ( XXXX - ID # XXXX ). I was informed by another Capitol One customer service agent on XX/XX/2016 that this request for a paper copy was not processed, stating in the notes that I did n't verify my address ( when I was never asked for it ). I paid the amount in full before the due date, but Capitol One NEVER provided me with a paper copy, stating that the XXXX might have lost it. I believe the statement was purposefully never provided in hopes that I would miss the due date and have to pay late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One sent a pre-approved credit card mail notification to the an address I have never lived at ever and to address to a name that is not accurate for me. 
This letter could have started fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: LEXISNEXIS
State: GA

Complaint narrative:
I had requested a copy of my Lexis Nexis report as I was informed by my former employer of a security breach. I proceeded to opt out of Lexis Nexis databases as a precautionary measure recommended by my former employer. They also requested I freeze all my credit reports. I have been successfully freezing my credit report at XXXX. However, Lexis Nexis would n't freeze my file saying it is n't reqiuired in the state of Georgia. Lexis Nexis is a credit reporting agency as outlined by state of Georgia laws and the CFPB. In the report they sent to me included XXXX pages that clearly states Georgia residents have the right to freeze the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
CCS called my phone and spoke with my brother and disclosed that it was pertaining to a debt without verifying who they were speaking with. This caused embarrassment to me through my family since they know that collections means debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I sent Capital One a disputed and validation letter on XXXX XXXX, 2015 under the fair credit act they keep send me a letter that the account has been sold but i got XXXX to delete these from my credit report because they could not prove they are my accounts. So i am trying to get Capital One to do the some thing but they keep trying to send me to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc.
State: MO

Complaint narrative:
I disputed a collection account from Stellar recovery regarding XXXX. When I had XXXX, I called multiple times telling them my service kept going out and they never could the fix the problem so I canceled my service and the technician said they would not charge me and fees related to early termination of my contract- The last time I called to get this resolved dish wanted to send me a XXXX check which I refused. I disputed this with XXXX and XXXX and the item was removed from my credit report. However, XXXX will not remove it after I have disputed with them twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I purchased a car through JD Byrider in XXXX that was financed through CNAC Byrider Finance LLC and had 24 months to pay. I started experiencing some serious problems with the car and took it in for repairs and paid {$400.00}. XXXX XXXX stated that they repaired the car but the car was not repaired in fact XXXX XXXX stated that they made the wrong repair and because of their mistake that said " we'er just going to put you in another car ''. I thought it would be an even exchange however, I ended up paying a {$1000.00} " deferred down-payment '' in addition to the {$500.00} cash ( down payment ) and the {$400.00} car repair. to sum it up 'm now paying XXXX {$190.00} bi-weekly payments started XXXX 2015. The sales price for the car " they put me in that I thought would be and even exchange I believe around ( {$6500.00} ) has been fiance for {$13000.00} at 20.999 % interest with the total sales price being {$21000.00}. I feel I 've been rip off can you please let me know if you can help me with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Skagit Bonded Collectors, LLC
State: TX

Complaint narrative:
XX/XX/XXXX, I discovered that I have been a victim, and continue to be, of identity theft. over the course of the past nine months, I have had to dispute ( as fraud ) a plethora of trade lines, liens, foreclosures, collections etc. through all three of the credit reporting agencies ; XXXX, XXXX and XXXX. As of today, there is still a few companies left that vehemently refuse to remove my fraudulent debt with them even after numerous calls, over 20 x 's disputing with XXXX even though it has been indisputable that these collections are of a fraudulent nature. The name of the company is Skagit Bonded Collections. 

After speaking with them numerous times, it appears that these XXXX collections are medical bills that were apparently charged from a hospital in a town our county to which I have never frequented. even though I was a resident in the state of Washington from XX/XX/XXXX - XX/XX/XXXX, the name and previous addresses that they have on file do not match me. I have never lived at either of the addresses they claim and the debts are apparently under my name with the suffix of XXXX attached. I have sent them and the reporting agencies my passport, driver 's license, social security card and proof of current address to no avail. They continue to insist that this debt is mine and subsequently each time they report such to XXXX, it then changes my name to XXXX. I have disputed these collections every few weeks for the past 8 months and it still sits on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I 'm guessing someone opened an account in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: IN

Complaint narrative:
This skip tracing company and collector kept calling me and other family members trying to collect a debt I do not owe. I have 6 calls on recording and bills ( see attached )

Company response to consumer: Closed with explanation