vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-09 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: GA

Complaint narrative:
I have never had a bank account with XXXX XXXX. They claim I owe {$250.00} but they can not tell me why I owe that money.The debt collectors can not tell me why they think I owe them money. They kept asking me for my XXXX XXXX account number, which since I never had an account, I can not give them. I called XXXX XXXX, gave them my last XXXX of my social security number, they did a check and decided I did not owe that money. They referred me to their check fraud claims department and they want my full social security number and that I fill out an affidavit. I have no obligation to do anything for them because they have not proven I have a debt or given any real explanation for any debt. I have written them letters explaining myself but they still threaten me with closing " my claim '' if I do n't fill out their form within 20 days. This is personally identifiable information which they have no right to. I would fine them for unethical behavior and not give them my driver 's license or social security number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been working on a short sale for 2 months and it does not appear that anyone is diligently working on it. They have lied to me several times regarding the order of the property value and neither the negotiator nor the manager has returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
JD BYRIDER { CNAC }, XXXX, Iowa has been taking car payments, electronically out of my checking account for the last month and a half without my permission or consent for a vehicle loan that is in no way associated with me or my name.I am XXXX years old and am trying to survive on a fixed income and now have a negative checking account balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I owe capital one a little over XXXX dollars. I gave notice over the phone that I would not be able to make payment for next three months. then a week later I started getting XXXX six calls a day and when i answer no one is there. i call back the number XXXX XXXX and it is capital one but there is no way to talk to any XXXX. very frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a {$500.00} payment to my daughter 's capital one credit card on XXXX XXXX, 2016. I told the rep that I wanted it to be a surprise. When my daughter saw the payment reflected on her credit card, she had it returned to sender on XXXX XXXX, 2016 because she did n't know where the payment came from! When I spoke to her again that weekend, she said she had it returned on XXXX XXXX, 2016 because she did n't know where it came from. Anyway, I called capital one on XXXX XXXX, 2016 and spoke with a rep named XXXX. He said it takes XXXX calendar days for the " wait period '' and another 3 working days for accounting to return it to me account. Therefore, my {$500.00} should have been back last XXXX XXXX, 2016. I called capital one again on XXXX XXXX, 2016 and spoke to a rep named XXXX. XXXX said she can not help me without my daughter 's permission and referred me to her supervisor, XXXX, with ID # XXXX. XXXX said she can not help me without my daughter 's permission so I gave her my daughter 's phone number. After having me wait about 30 to 45 minutes, XXXX told me that she can have my {$500.00} back to my debit card in 3 business days which is XXXX XXXX, 2016, according to XXXX. When I called on XXXX XXXX, XXXX did not give me the excuse of having to have authorization from my daughter ; and besides the {$500.00} does not belong to my daughter. All information is in the system of capital one, but XXXX and XXXX chose to give me a difficult time and the run around. Definitely POOR CUSTOMER SERVICE!!! This makes me think that capital one is trying to use MY MONEY FOR THERE ADVANTAGE because of people you put on the phone like XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently opened a credit card account for XXXX, XXXX XXXX with Capitol One Spark. I spoke to a representative about the application process beforehand. The company gave me a {$500.00} credit line. After I activated my card, I could not use it because on XXXX/XXXX/16, an unidentified Capitol One representative put an illegal hold on my account. This representative did not have a court order and acted illegally. When I filled out the application, Capitol One approved my credit, because of my credentials. I run a paralegal consultation firm. The male representative treated me in a discriminatory way and did not let me speak to a supervisor because of my gender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
a representative by the name of XXXX repeatedly calls from a company called " XXXX '' saying they received a complaint of XXXX allegations to be filed against me. They say their company is actively pursuing me at my place of employment and residence. 

They call my cell # XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Innovative Credit Solutions
State: CA

Complaint narrative:
I have continually asked this collection agency to Cease and Desist on collection activities, including removing from all three credit reporting agencies, and they have yet to comply. They have been unable to furnish a validation of debt, as the original creditor information does not match the information they are reporting. What they are doing is a direct violation of FCRA Section 623 ( XXXX ) ( A ) : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I have furnished proof that not only is the amount they are reporting incorrect but it is well beyond the statue of limitations of 7 years and 180 days for collections. As this account is now XXXX since delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
CAPITAL ONE AUTO FINANCE WENT ON MY CREDIT REPORTS WITH OUT WRITTEN APPROVAL 2 TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I AM XXXX XXXX AND I WANT TO TRANSFER MY BALANCE WITH MY CREDIT CARD COMPANY. I HAD A XXXX CREDIT LIMIT IN 2015 AND EVERYTHING WAS FINE. WITHOUT ME ASKING FOR AN INCREASE CAPITAL ONE INCREASED IT TO {$3300.00}. NOW I AM NOT ABLE TO PAY ALL THE INTEREST AND OTHER FEES CONNECTED TO THIS CARD. I NOW OWE OVER THE CREDIT LIMIT AND WHEN I MAKE PAYMENTS THEY ALL GO TO INTEREST AND THE FEES. I CAN NEVER GET AHEAD. WHEN I CALL THEM WHICH HAS BEEN OVER 8 TIMES THEY SAY THEY CA N'T TRANSFER MY BALANCE TO THE CHEAPER 0 % ON A BALANCE DUE. IN OTHER WORDS THEY SAY THEY CANT GIVE ME THERE OFFERS OF 0 % BALANCE FOR MANY MONTHS. WHY WOULD THEY WHEN THEY KEEP CHARGING ME OVER {$70.00} EACH MONTH IN FEES AND INTEREST.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On or around XXXX XXXX, 2016 and XXXX XXXX, 2016 capital one pulled my credit without my permission or consent!! I only have two credit cards and they are with the same company. I written capital one 6 letters over the past few months and I have also contacted them by phone only to be left on hold or promised for someone who does n't speak clear XXXX to call me back and they never do. This has become a headache and I am so sick of wasting my money and time to only be treated like XXXX because they ai n't worried about it because it ai n't them or for them to keep continuing to place me on hold and keep up office mess while they file they nails or just ignore me when I am due a fair investigation as described in the federal fair credit reporting act 623 ( a ) ( E ) and also to take this matter more seriously and if they fail to follow the rules of the company that employs them, at least follow the enacted laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I recieved a letter from a debt collector who works for XXXX to collet a debt of XXXX The colloctors phone number is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I tried to correct information that Capital One Auto Finance has been reporting to the credit bureaus for several months now. I first tried a dispute through the credit reporting agencies, and the reported information kept being reported as " correct. '' I then tried contacting Capital One Auto Finance directly, was given the contact information for disputes, and tried to contact them to correct the information. I attempted to fax and mail the information regarding my dispute, gave well over 30 days time for them to respond each time, and still have received no response. This one item, if corrected, should drop from my credit report, and it is essential that it is corrected to give me the appropriate FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Ballybunion Enterprises, Inc
State: SC

Complaint narrative:
I 'm writing to find out about the lawsuit against Freedom Acceptance. I am a veteran who was apparently sued in Virginia by Freedom Acceptance. I was the co-signer on an account for my ex-husband, but since they could not contact him, they froze my bank accounts until I made payment arrangements with them. I am still paying a debt that is n't mine. I just want to know if there is anything that I can do to stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
PLEASE NOTE : ITS A NEW COMPLAIN. ANOTHER FALSE CLAIM AND PRACTICE I HAVE MET ALL REQUIREMENT AND WAS OWED CREDIT-YET CAPITAL ONE BANK HAS REFUSED TO HOLD THIER END OF THE DEAL. WHICH IS TO SEND MONTHLY BILLING STATEMENT. 
Another false claim!!!! I do not owe late payment or month ( s ) of an unpaid debt. Capital One Bank could not and can not claim that the credit was applied to my XXXX payment as I did pay {$160.00} for XXXX, and paid another {$160.00} for XXXX. If this bank claims that they credited me with {$170.00} in XXXX, then my payment made for {$160.00} in the same month should have gone to XXXX payment. And {$160.00} paid in XXXX should be for XXXX and the payment I made in XXXX should then be used to pay for XXXX. 

on the year to date payment statement they sent even contradicts their claim. where was my payment for XXXX that I personally sent in????? This company keeps fabricating a bunch of lies and continues to pretend that they are unaware that i am not in active bankruptcy. If they truly believe that I am in active bankruptcy, then why does this same bank violet my rights and the bankruptcy laws by sending me a bill every month on another account that I have with them. Would the bank also claim oversight an that too???? This bank needs to credit my account correctly and resume my monthly billing statements as I have met their agreement with me twice. 

Furthermore, the bank needs to send me a statement of all money received and interest charge on the loan for tax purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 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: FL

Complaint narrative:
I 've disputed this account, and asked for verification multiple time in the past 6 months. To this day, XXXX XXXX XXXX has failed to deliver validation of debt. The only response that I received was the deletion of XXXX XXXX XXXX trade line from the XXXX credit report. By the removal of this trade line from my XXXX credit report this has set a precedent that XXXX XXXX XXXX was unable to substantiate this claim of debt and therefore removed it from the report agency. 

This account is further negatively affecting my credit report and score due to this company 's inaccurate reporting. I am requesting the full deletion of this account as a result of XXXX XXXX XXXX not lawfully validating this debt after a substantial amount of time to do so and by the precedent set by the company in the removal of the trade line from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 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: PA

Complaint narrative:
Within 30 days after receipt of a notice from XXXX, I sent a written request dated XX/XX/2016 ( XXXX ) to ask for validation of the debt and ( XXXX ) to notify them to contact me on this matter by mail only. XXXX tracking is showing receipt of my requests on XX/XX/2016. On XX/XX/2016, I received a missed call from XXXX ( XXXX ). When I returned the call and verified my address & the last XXXX digits of my SSN with the representative, XXXX, he confirmed that they did in fact call me. I asked the representative why they were calling me and XXXX told me that they were calling to discuss the debt that I owe with Capital One, their client. He proceeded to discuss the asserted amount owed. When I told XXXX that I sent a letter requesting no contact by phone, he denied receiving the letter. Yet I have proof through XXXX tracking that my letter was received on XX/XX/2016. I believe my rights were violated under the FDCPA because the debt collector, XXXX, contacted me after receipt my letter for a reason other than to confirm receipt of my letter or to tell me that they were taking legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Re : Your letter dated XXXX, in reply to written complaint on XXXX account XXXX This is continuation of my formal written complaint. I initiated my complaint via a letter to Wells Fargo Bank ( WFB ) dated XXXX, and a personal visit to VP XXXX XXXX on XXXX. ( Note : in future correspondence, please refrain from describing my formal written complaint as an 'inquiry ', a 'concern ', or 'important comments ' ). 
I found your latest letter to be unresponsive to my complaint. Your letter indicates you found no error on your part and would be making no adjustments to my account. My research clearly shows there are, in fact, substantive errors. 
As to the first of your XXXX errors, you are failing to abide by your own Prime Equity Line of Credit Agreement & Disclosure Statement ( " Disclosure '' ). My monthly account statements clearly show that what you calculated to be the interest component of my required, on-cycle {$50.00} minimum payment to be less than {$50.00} ; this occurred on my monthly statements from XXXX to XXXX. However, these same monthly account statements clearly show WFB took my entire {$50.00} payment into interest, in contravention to the payment allocation methodology you describe in your XXXX letter and in non-compliance with your Disclosure. My research shows the error results in Finance Charge overcharges, and an understated Annual Percentage Rate ( " APR '' ) for this account. I suspect your error may adversely affect many thousands of your similarly situated customers. 
As to the second of your XXXX errors, you again are failing to abide by your own Disclosure. In my using your BillPay functionality ( a service which you heavily marketed to me via email advertisements ) to remit off-cycle principal-only payments, your system inappropriately assessed an interest component. You acknowledge this shortcoming of your BillPay system in your XXXX letter, yet refuse to make necessary adjustments to my account ; rather you direct me to use alternate methods to remit my payments ( which flies in the face of how you marketed your BillPay system ; WFB disclosed no such limitations to me when I signed up for the service ). This error occurred on my XXXX and XXXX monthly statements ; my research shows this error results in Finance Charge overcharges, and an understated APR for this account. I suspect your error may adversely affect many thousands of your similarly situated customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XXXX while paying bills via the online bill pay service connected to my Wells Fargo checking account I in advertently paid XXXX {$2000.00} instead of {$220.00}. I went to the bank the next morning at XXXX am when they opened to rectify the situation. They told me it was too late - just call XXXX. On XXXX XXXX, I received a call and an email from XXXX to let me know that they returned the entire sum to my checking account. My checking account has still nit been credited with the funds and the banks response - every day is " we can see that the money has been returned but we ca n't tell you when it will be back in your account. Today is XXXX XXXX. This is both ridiculous and dishonest. This is my money - not Wells Fargo 's money. How can I get my money back?

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 2015-08-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My late aunt opened a simple savings account in trust for my brother at Capital One Bank in XXXX. She passed away in XXXX and I have been trying, as POA, to get the account closed and a check issued. I have had a great deal of trouble with the bank in what should be a simple transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was receiving by mail several requests from Capital One to acquire their credit card for more than a year. In XXXX, XXXX after learning from their commercial on TV that Capital One would award XXXX miles for using their credit card for every dollar of purchase, I applied over the phone for a credit card. Immediately Capital One obliged by opening a credit card account based upon our credit history. They mailed us XXXX credit cards, XXXX for me and XXXX for my wife. The credit card issued was for those with excellent credit history. Since our credit history was excellent, they sent us the credit card with 'VENTURE ' appearing on the front of the card. Capital one 's web site shows XXXX types of card on their web site. XXXX with 'VENTURE ', and the other, 'VENTURE One ' ( the 'one ' written beneath VENTURE ) appearing on the face of the card. What we received was 'VENTURE ' and we have been using this card since receiving it in XXXX, XXXX. 
Capital One 's web site for 'Travel Rewards ' shows details of miles awarded for these XXXX types of cards. According to their web site, the card with 'VENTURE ' on the face of the card earns XXXX miles while the card with 'Venture XXXX ' on the face of the card earns XXXX miles for every dollar of purchase. For several months since we began using Capital One credit card for our purchases, I did not check the reward miles accumulated in our account. We assumed that Capital One would award us XXXX miles for each dollar of purchase. But when I checked the miles accumulated in our account on XXXX/XXXX/XXXX, I found to our surprise that Capital One was awarding us only XXXX miles instead of XXXX miles contrary to what was shown in 'Travel Rewards ' on their web site. After I complained about the missing miles on XXXX/XXXX/XXXX, they changed the system to award XXXX miles per dollar. But, they are refusing to give us the benefit of XXXX miles per dollar for the past 6 months from XXXX/XXXX/XXXX, the date Capital One opened our account. This is a blatant disregard of the benefit stated in their web site. We have charged {$5000.00} on Capital One 's credit card for the past 6 months and the reward summary shows only XXXX miles in our account. Our account should show a reward of XXXX miles based upon XXXX miles per dollar. We request your intervention as Capital One is reneging on the benefit rewards stated on their web site for the type of credit card issued to us.

Company response to consumer: Closed with non-monetary relief