vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-12 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 sent many disputes to the Credit Reporting Agencies and to Credit Collection Service in regards to their account that they are inaccurately reporting on my credit file. I have informed them many times that this account does not belong to me. But it just seems as if they are disregarding all of my letters. I have also sent them a Fraud Affidavit stating this and I did not hear anything from them and this account is still reporting on my credit file. I need your assistance in getting this matter resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 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: IN

Complaint narrative:
I have received no communication whatsoever from this company about a debt that is now on my credit report. I never had any business dealings with this company. After challenging the debt reported on my credit report the company still refuses to take the erroneous listing off my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
3rd party Debt collector is trying to collect wrong amounts on a credit account That I supposedly had. This debt possible could even be past the statue of limitations if I owned this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Approximately on XXXX XXXX, 2015, my daughter and I signed up for a Talent Agency called " XXXX '', which charged me {$190.00} to my Capital One account. I then later changed my mind, and told them I was no longer interested. The charge was for a photo session for myself and daughter, but we did not do the photo shoot, and thus did not get any photos. On XXXX XXXX, 2015, I emailed the company, and they responded that there is " no refunds '' which I was not aware of at the time I signed for the {$190.00}. I then contacted Capital One and explained the situation, and they Temporarily issued the credit back to my account. The talent agency then did a chargeback to my account, and placed a rebuttal. I do acknowledge the charge with my signature, however, they sent me copies of some documents. One of the documents did have my signature for the charge of {$190.00}. but they also included a second document, which I did not sign, which acknowledged the " no refunds '' policy. I informed Capital one of the second document which falsified my signature, telling them that the XXXX must have copied my signature, and is therefore not a defense for the talent agency. I did not receieve any thing in return for the {$190.00} paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
It appears there is some miscommunication between Capital One and myself. Without doing all the details last year, I had to install an automatic call recorder on my cell phone number XXXX. 

I received a notification of a 30 day late pay from equifax. This appears to have occurred according to the credit reports ( all of them ) sometime in XXXX of 2015. I called in not aware that my cell was recording the call ( had forgotten ) Although I made a payment timely, it was not credited for whatever reason. The service rep who is employed by Capital One and identified himself as a Capital One Employee states on the recording that there was a system error when I made the payment thus not crediting it to my account nor removing it from my bank account. It is and has been Capital One 's position that there contract with the Credit bureaus does n't allow them to change this supposed late pay that was made timely and was not credited nor deducted according to their own employee as a result of a SYSTEM ERROR ON CAPITAL ONE 'S END. I do n't want to retain a lawyer but will and I am sure after they hear the recording which I have offered to let any capital one employee hear and they have refused. Capital One 's position is that we ca n't record calls. Fortunately, I live in XXXX and while substantive law may be in XXXX, the fact is that the recording was by mistake and was done in XXXX and is fully admissible in any court. The number is Capital One 's and the employee is clearly a Capital One employee. All I get is we are not going to change this. I have tried through Social Media and while a woman was very helpful she said she ca n't change it but offered no explanation other than it was late. I have sent numerous letters to XXXX and various addresses and still have gotten no response even though these were disputes by me according to the FCRA and FDCPA. All I want are the reports updated to show never late and remove the XXXX ding on this account for what the 2 or 3 years I have had it. Even if I was late which I deny, I do n't understand why as a gesture of good will, Capital One would n't remove it for a person who had just supported XXXX people after his wife was injured by a maniac surgeon ( XXXX XXXX XXXX XXXX my now ex-wife is XXXX XXXX. ) I paid over XXXX XXXX in medical bills supported a family working XXXX hours per week and dont ' understand the lack of good will nor accountability here. I have been told the contract with the CRA 's requires this. The contract first of all has about XXXX exceptions and allows for updates for a bank or credit card company one time for good will and allows re-do 's when the bank has made an error. I do n't like filing this complaint. I would prefer not to eventually hire a lawyer and file complaints with multiple federal and state agencies. I just want my credit updated in accordance with my recorded conversation with the Capital One employee. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My bank changed policies with out prior notification in how deposits would be handled. I contacted the financial institution and was promised up and down that I would have access to the money that was deposited. After speaking with XXXX different reps and one of those included a senior executive XXXX supervisor all the information was different and still no resolve. With the senior rep the conversation came to a point where she said that they do n't care and are not able to help or willing to help. When the conversation became heated she hung up the phone. Now I like like to point out that rather then her trying to resolve the situation and giving viable information she escalated the call and then disconnected it. I requested for a manager call back and they called but urging the time frame that I spacifically told them I would not be available. Then the manager left voicemail statement my that I could call them back and deal with the resolutions department. Not what I was looking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a car loan with Capital one Finance and I am about two months late. Which I have been behind because I had to move out of state due to unforeseen circumstances I did explain that to them about two weeks ago. And they stated that they would notate that in my account. since then I receive at least XXXX calls and at least XXXX text messages daily. Now I would consider after XXXX calls it would be harassment if you send a letter leave a text and a voicemail. Yes I understand I have to pay my bills but XXXX calls at least a hour apart is ridiculous in any form of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
While working on a loan modification with XXXX XXXX, XXXX XXXX advised me to settle credit cards owed to Capital One in order to receive a loan modification. My home was going into foreclosure and the other option was to file for bankruptcy. I made a payment plan on XXXX accounts and did not receive any notices from Capital One regarding they accepted my settlement agreement. I have also requested to have all complete account information, including the original account applications to be forwarded to me. I have been trying to accomplish this since XXXX already and can not get any answers from Captial One. I do n't know what is going on. Captial One never acknowleged receiving any payments from me, not one time has there been any correspondence of receiving any money on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On repeated attempts I have submitted to Capital One Bank to remove late notices on all XXXX of my credit reports for the time period of XXXX XXXX to XXXX XXXX as my payments were made to a credit counceling company who paid Capital One directly. Prior to XXXX XXXX and after XXXX XXXX payments to Capital One have been in good standing. I have spoke to different representatives of Capital One who have informed me they would remove these marks. I have held the card since XXXX XXXX and have not used the account for multiple years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, XXXX last XXXX of social. I apply for a mortgage loan with Capitalone bank on XXXX XXXX XXXX. The loan officer checked my credit and stated it was to low. She stated Capitalone 's minimum mortgage score is XXXX. She stated my credit with Experian was XXXX but that was a lied. My credit score at the time of verification was XXXX. In the past 4 months my credit has never been below XXXX with Experian. I have Credit Tracker with Experian. I checked my credit with Experian confirming it was XXXX. I believe the loan officer discriminated against me. She lied about my credit scores. At this time my credit scores are XXXX with XXXX and XXXX with Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have an auto-payment set up with Capital One bank, for one of my credit cards. This month, they did not take out the full minimum payment, and they charged me a late fee on the date that the payment way due, right after the payment was made ( {$100.00} instead of {$150.00} ). I was never notified of this, and only found out by happening to log into the website, to get the current amount on the card, while balancing my budget. 

After calling Capital One I am told that their policy is to not notify customers of issues with accounts until the statement comes out. The problem is that the statement comes out 4 days after the due date, and the fees are added on the due date. This makes it near impossible to correct any issues on time, when they need to be corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Kimball, Tirey & St. John LLP
State: OH

Complaint narrative:
i and my wife was renting a apartment from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX i infomed them, that becaue of job change i will be serrendring that location on XX/XX/XXXX which i did, my balance due was {$2000.00} which i told XXXX XXXX will pay, by XX/XX/XXXX they said i had to work everything out, kimball, tirey & St John LLP , i called them at XXXX XXXX to pay theysaid we can not located account, they said they will contact me after get a judgement on my and i, they sd our balance was XXXX. then over the course of 4 month we finally talk with the atty office XXXX XXXX said thay had judgement for {$2500.00} i asked how can you get a judgement without contacting me or serving us he said that wha they do, and that i have {$7300.00}, still due bring the total to {$9900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX, I opted out of receiving unsolicited credit card offers by calling the number provided by Federal Trade Commission. Today, XXXX, I received an unsolicited credit offer from Capital One XXXX Rewards, XXXX XXXX XXXX, XXXX Virginia XXXX. Capital One has violated another opt out I placed a decade ago. It 's marketing is aggressive, unrelenting, and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My interest rate is too high on my credit card. I have asked Capital One to lower the interest rate so that my payments can be affordable. Capital one stated that since I had payments returned to my bank that I am not eligible for an APR decrease. They have also sent me some things about my payment being so expensive because of my XXXX insurance. I do n't have a problem with the XXXX insurance being added to my payment. My concern is that I have such a high APR rate. I have had a card with Capital One for at least XXXX years. My question is ... There is n't XXXX time that my account was not in good standing for Capital One to decrease my APR in XXXX years? It seems very odd to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 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: FL

Complaint narrative:
Recently my employer ran a credit check on myself and unpaid balance on credit card from capital one appeared on the report under collection. I have currently XXXX credit cards from XXXX and all of them issued after the reported credit card in collection. 

Sometime back my gmail was hacked and all my personal information was leaked this clearly seems a identity theft issue therefore I would greatly appreciate if this issue is resolved at earliest

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i tried to call this number and i can not call long distance. I thought my complaint was pretty well described, I had a card with capital one and told them i wanted to close my account and when i tried to make the last payment they refused to take the payment .I called to find out why and was told my account was frozen. so this became their account they controlled the blocking of my final payment which isIllegal this is what i learned from XXXX free legal advice and they told me how to handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE is in violation Fair Credit Reporting Act and Fair Debt Collection Practice Act. CAPITAL ONE continues post inaccurate information to my credit report after being notified by i the information is incorrect via notices and phone. 

CAPITAL ONE representative told i over the phone, CAPITAL ONE is unable to mail i any information about the account because the account has been noted with a cease and decease notice. But CAPITAL ONE is continuing to report my account delinquent ( XXXX, XXXX, & XXXX ), closed the account around XXXX, and reported the dispute resolved. Plus back dated/ posted old information to my credit report that was over ten years old. This is a major violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX XXXX, 2015 I received a email alert from XXXX, a protection service company available through my local credit union. I went to my XXXX account and fount XXXX alerts. They were XXXX about Capital One bank. XXXX different locations. XXXX in XXXX and the other in XXXX. I called them and found out a on-line credit application had been submitted in my name. This application was approved by Capital One as of XXXX XXXX, 2015. They said there has not been any transactions recorded on the account. I have requested them to cancel the account as I did not fill out any application. They said they have done that as of XXXX EST on XXXX XXXX, 2015. I have filed a fraud alert with XXXX. They will contact the XXXX other credit monitoring company 's. I have a fraud alert number available. I also have contacted XXXX, a service company that has resolution specialist that will monitor the situation for me. I went to the FTC web site and it directed me to this site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was in a XXXX XX/XX/XXXX 2013. The day before I flew to XXXX for tour I was XXXX year old who was not paying attention. I was at a XXXX, he was going over XXXX. 

XXXX company, the person at faults insurance company and Capital One Auto Finance were in touch with each other to dispute the issue. XXXX XXXX was going to pay, however we ended up going with the person at faults insurance. This obviously took a month or so to get worked out, during this entire process I was told everything was fine and my credit would be intact since the car was a total loss. 

In XXXX Capital One sent me a bill asking me to pay at a lowered rate, to make the account current/closed. I paid the amount they asked. 

In XXXX I pulled my credit to see that Capital One not only put that I did not pay and was late XXXX, but that I did not pay the full balance ... 

I tried reaching out to them, they told me they had updated the system, but no- my credit is still hurt from this and everyone points the finger at someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX I started getting emails from CapitalOne regarding someone else 's credit cards. On that day it was thanking the individual ( later identified as XXXX XXXX XXXX ) for updating his/her email address. The address that was entered was my business address. Since then, I have continued to get 16 additional emails despite my reporting the problem twice by telephone, and by returning EVERY email to " XXXXXXXXXXXX '' -- including sometimes actually explaining why I was sending it back. Some days I tried to send it back as much as 9 times just to see if I could get someone to pay attention. Despite all my efforts, I am still getting these financial emails for SOMEONE ELSE! I am being informed what the balance is on XXXX of the XXXX credit cards. I am informed when a payment is scheduled. I am informed when one is due. He/She must be pretty upset that they are n't receiving their email notifications. I know that technically, I could ask to reset my ( XXXX 's ) password, and then look up this person 's address and then contact them to explain what 's happening, however, I do not want to get in trouble for a situation I did n't create. In fact, I have gone over and above what most people would have done in trying to make sure that CapitalOne contacts XXXX XXXX XXXX and has him/her update their email address to their REAL email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
I ask them to correct information on my credit reports from all XXXX bureaus and they have failed to do so. I had a car loan from CNAC in XXXX, WI and they sold a false claim to them in the amount owed by me.

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 2015-08-21 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: OH

Complaint narrative:
I am and have been the victim of identity theft. Several companies including credit card companies that were listed under my name were notified by me as to the identity theft situation and after there investigation each wrote to me stating I was not responsible for any debt HOWEVER Capital One is still actively seeking payment from an account that is not mine. When I became aware of the debt I contacted the company and told them of the situation. Several months later I have been contacted by XXXX XXXX XXXX a collection company bearing their acct number of XXXX listing the balance of {$390.00}. I have contacted them within the 30 day period stating the identity theft situation. Please help me rectify this and have XXXX not hold me responsible for a debt I did not incur. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
We have here capital one representatives that ca n't do a simple job correctly period. They misinformed me over getting cash instead of making purchases for an extreme emergency situation. These people over at the phillipeens need to be instructed correctly and listen period.

Company response to consumer: Closed with explanation