vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-06 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had a Banana Republic Visa card through Synchrony Bank. In XXXX 2016, I had to cancel the card because Synchrony could not tell me how to stop the unauthorized auto payments that kept occurring. They told me I must have set up the auto pay through my bank which is impossible because I have never once use that feature for any online bill pay. When I cancelled the card, there was a little over {$60.00} credit that they were supposed to have refunded. I still have not received the refund. I opened another card in XX/XX/XXXX. Last weekend, I logged into my online account to make a payment on the new card and saw a balance due on the cancelled card of a little over {$70.00}. I called to find out how charges were posting in XX/XX/XXXX to a card cancelled in XX/XX/XXXX and no one could tell me. They said they would have to send it to their fraud department. Today, I received an email from Synchrony stating that the transaction being disputed was not found. I logged into the account and it is now showing an approximately {$42.00} credit. I called to inquire and still, no one can tell me what is going on. I am hoping that the CFPB can assist in getting this issue resolved.

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 2016-01-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Oliver Adjustment Co.
State: IL

Complaint narrative:
A COLLECTION WAS PUT ON MY CREDIT REPORT : 1. I NEVER RECEIVED ANY NOTIFICATION VIA PHONE OR MAIL THAT THE DEBT WAS DUE OR VALID. I STILL HAVE NO INFORMATION WHAT IT IS FOR OR WHEN SERVICES WERE RENDERED. 
2.THIS ERRONEOUS COLLECTION ITEM CAUSED MY REFINANCE RATE TO INCREASE WHICH I NO LONGER COULD CLOSE. 
HERE IS THE INFO THAT IS REPORTING OAC # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , WI XXXX Loan Type : COLLECTION AGENCY/ATTORNEY Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Original Creditor : XXXX ( Medical/Health Care ) Balance : {$190.00} Date Updated : XXXX/XXXX/XXXX Last Payment Made : XXXX/XXXX/XXXX Original Amount : {$190.00} Past Due : & gt ; {$190.00} & lt ; P

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/XXXX I closed an account with GE Money Bank/Care Credit. The balance owed to me was {$120.00} however GE Money Bank would only acknowledge {$39.00} of the {$120.00} actually owed. It was XX/XX/XXXX, national banks did whatever they wanted. The consumer had no rights whatsoever. 
Fast forward, to XX/XX/XXXX, I get a notice from Synchrony Bank that account ending in XXXX had a refund balance of {$39.00}. I jumped through all Synchrony 's hoops and returned the requested form three ( 3 ) times via certified mail. Synchrony still claims that they are investigating the refund or it has been forwarded to a third party vendor or it was refunded to the state of Illinois. The correspondence from Synchrony Bank states that the account is owned by Synchrony Bank so the investigation and 3rd party vendor claim is just another pack of national bank lies. The State of Illinois Attorney General, XXXX XXXX, Case # XXXX, states that she has not received a response from Synchrony Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I notified Tjmaxx months ago that I had retained an attorney for the purpose of filing bankruptcy. They called at XXXX which is completely and totally illegal. I wish to file a SERIOUS complaint against them!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
They are calling my job and asking for my boss and Human Resources consultant, so that they can garnish my wages. They are threating to send legal documentation to my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
jc penny just e mail me on my acct, I never rec any statements since XXXX 2015

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Syncb/Care Credit, I have tried 3 times to fix this on my credit report. I have never received confirmations of this debt. I was told it was transferred and or sold to another debt collector. I was told to call other phone numbers that I cant leave messages at or talk to representatives about. Nowthey have submitted a Charge-off as bad debt comment in my credit reports.

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 2016-02-11 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My mother, who passed away last XXXX, had a credit card that has been placing negative marks on my credit reports. I never signed any contract with the credit card company or received any kind of bill from them. I wrote to them XXXX 2015 to ask them to remove my name and stop reporting negative credit and remove any negative remarks off my report. They have continued to report negatively on my credit report. This is effecting my status with other credit card companies as well as my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There are late payments on my credit report that are not accurate. I was a victim of fraud which caused my personal checking accounts to bounce and therefore make my payments late. I contacted Capital One about this and they have done nothing to remove the payments. I sent them a dispute letter and they verified this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Please review the enclosed correspondence with Capital One regarding a plane ticket I purchased for {$710.00}. I was unable to use the return portion of the ticket to return home without any explaination why. I was given no alternative except to purchase a new ticket from XXXX XXXX for {$300.00} if I wanted to return home on the same scheduled flight as specified on my original ticket that I purchased for {$710.00}. Capital One claims to have done an investigation but posted the charge back on my account. Capital One refused to provide a reason verbally or in writing as to why the charge was refilled to my account. For this reason, I feel I was defrauded because I was not able to utilize the return portion of the original ticket. Furthermore, I consented to a re-review of the case dated XXXX/XXXX/2016 ( I spoke with XXXX, a Cap One supervisor ) however as in the past, there was n't any documentation in Capital One 's records that the re-review was performed. Capital One appears to have violated regulations regarding resolving the dispute within 1 month, and refusing to comply with my request for a written reason explaining the action taken -- re-posting the charge to my account as requiured by XXXX and Federal regulations. The Cap One dispute center never sent an affidavit for me to sign regarding my dis [ pute which makes me suspect that there was never an investigation or a re-rteview as I was promised by XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I attempted to make a retail purchase using my Capital One card and it was declined. I received a text and email ( Two-factor authentication ) to which I responded affirmatively, yet Capital One did not authorize the charge. I spoke with their fraud unit and I asked to know why the card was declined. The only explanation offered was that it is the holiday season and that falsified cards are in use and, thus, Capital One declined the charge. 

No adequate reason given. What is the point of having a credit card when the issuer can not allow you to use it? This should be illegal. Capital One 's fraud procedures are nonsensical, inadequate, and a nuisance for customers. I was in physical store and the salesman asked for my ID when he ran my credit card. That is not foolproof, but it is the best means of validation of a charge, yet Capital One ignored simple logic, ignored its own 2FA, and did all this without any premise whatsoever. This company has completely failed to meet its obligation as a credit card issuer, and I warn all consumers to stay away from using Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 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: AR

Complaint narrative:
This collection agency is trying to collect a debit from XX/XX/XXXX. I was a XXXX in college and did not get my first credit card until XX/XX/XXXX. It would have been very easy for a roommate or anyone else to get this info. I did n't keep it hidden I did n't think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 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: CA

Complaint narrative:
I paid this collection item for XXXX through Credit Collections company. The amount was settled for exchange of deletion on credit report. This company used its against to get the bill paid and used whatever tactics they felt as necessary but only to recover funds and not stopping the reporting on my credit report. Very unethical practices that need to be researched. This needs to stop being reported on my account as it has been 7 years also since the account was paid.

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

Complaint narrative:
I XXXX XXXX filed bankruptcy chapter XXXX four years ago case no XXXX curently i '' m selling home and the tile company find XXXX judements against my property capital one and XXXX XXXX -credit cards. Tile company offer me they will hold the amunt of the judements for 150 % and return too me after 2 years when the judements wiil be expired Atorrney who represent me durning bankruptcy is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Case number : XXXX am filing a complaint against Capital one. We have followed everything we were told to do. We reapplied for a modification and sent in the updated information as per their request. XXXX from Capital one was the representative who was handling the complaint. He is no longer with the company when we called to get the status and we were told to reapply. Now we are {$12000.00} in the rears, this is a disgrace and predatory lending and fraud. Capital one is deceptive, racist and misleading. They have put people in a foreclosed state. They play games with their modification and cause people to go into foreclosure. We are going to the press and to the US JUSTICE DEPARTMENT ABOUT THE POOR MISLEADING, DECEPTIVE BUSINESS PRACTICES OF CAPITAL ONE. WE ARE FILING SEVERAL FEDERAL AND STATE COMPLAINTS AGAINST CAPITAL ONE AND HOPE YOUR COMPANY WILL DO SOMETHING TO HELP US AS CONSUMERS. The last time, they claimed was because of a notary and now they have NO REASON because they no longer have that employee so they chose to let us fall between the cracks. We were told by a XXXX on XXXX/XXXX/15 at approximately XXXX XXXX to fax in XXXX of my XX/XX/XXXX stubbs to get the modification reopened. I am faxed the check stubs tonight per her request and plan to call a man she referred to as XXXX. When I called back that same night, I spoke to a representative who told me to talk to a XXXX who is our caseworker who is working on our case. These stories and characters change with each phone call to capital one. We made sure this was well documented to use in case we sue capital one. I sincerely hope you will make them review and approve this modification and stop playing games. Its a disgrace. President obama put guidelines in place to protect consumers against these predatory practices and deceptive business practices with these fraudulent banks. I am a former elected official and I am not going to tolerate these unethical, fraudulent and deceptive business practices of with Capital One. Enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX, Financial Sales, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA ; Telephone # ( XXXX ) XXXX, allegedly submitted vehicle loan applications without my authorization to CapitalOne Auto Finance ( reference number XXXX ) and XXXX XXXX XXXX XXXX ( # XXXX ). I had already purchased a car with my own financing. XXXX XXXX mislead me by stating " it is the company policy to run a credit check on every customer purchasing a vehicle, even though they do not need financing assistance from us '' to allow them to run my credit. XXXX XXXX, 2016, I became aware of the problem because the denial letters from the financing agencies arrived. I met with the Sales Manager, XXXX XXXX regarding this matter, requesting that the credit bureau agencies are notified and inquires removed. I am seeking your assistance with this fraudulent activity. I want the damage to my credit score from inquiries to be immediately removed. I did not authorize these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One was informed on Tuesday that an improper charge was filed, XXXX times more that actual bill : {$21000.00} versus {$210.00}. Vendor confirmed it was {$210.00} on phone with Capital One and my engineering business. Despite reported fraud, capital One paid the entire fraudulent amount on Friday, wiping out my remaining credit, resulting in rejection of valid charges. After 5 hours on phone attempting to resolve, I was informed it was MY problem to recover my {$20000.00}. Of course vendor, a XXXX XXXX, is not returning either my or Capital One calls. I 'll be taking my business elsewhere and suggest others do as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Ballybunion Enterprises, Inc
State: MD

Complaint narrative:
Freedom XXXX is being sued for unlawful suits against several servicemembers, that is why they are going out of business for the harm they done. People are still trying to contact me regarding payment, I was involuntary discharged and I was told they would waive all debts. I guess not, I am being harrased every single day via email and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
My brother died on XX/XX/XXXX. I am the personal representative for his estate. My brother had a Capital One 360 savings account. Once I had Letters Testamentary from the MN court, I called Capital One and followed up with a letter to close his account and have the proceeds sent to me. The letter was dated XX/XX/XXXX. I received and deposited the check they sent me for the full amount of his savings account on XX/XX/XXXX. Now, my brother has been contacted ( at my address ) to verify his account or he will start getting paper statements again. On a closed account. With XXXX balance. Geniuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had a credit card from Kohls Department store that was charged off. The amount owed that 's displaying on my recent credit report is untrue and inaccurate. XXXX different amounts due are be displayed. I never received any letters or notification that this account has been charged off and closed, including a large amount of past due that I 'm unaware of. I believe Kohls Department store purposely distorted the balance on their company 's behalf and now I have to suffer consequences that are untrue to me. I feel upset and in distraught and this balance due to not threaten me to have future occurrences hold me back from increasing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one is re-billing me for charges that I did not make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Credit Card was lost prior to business trip. I reported lost and then later reported charges that were not mine. They are XXXX charges, XXXX for {$130.00} from safeway, XXXX for {$10.00} from safeway, and last one from XXXX for {$13.00}. ( posted XXXX and XXXX 2015 ) Capital One did nothing to actually investigate the issue. They instead made up there minds immediately that the charges were valid. I was sitting in an airport or in another city when these charges were reportedly made. Capital One was negligent and refuses to do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I bought my house XXXX/XXXX/15. I had escrow held by CapitalOne to cover my taxes of {$3200.00} XX/XX/XXXX. I just received a letter from my mortgage company saying starting XX/XX/XXXX they want to increase my escrow to cover my XX/XX/XXXX taxes which they project to be {$4800.00}. There is no reason to believe my taxes will go up that much. I spoke to XXXX XXXX and they said I have been approved for homestead credit which means my taxes should not go up by more than 4 % per year. CapitalOne told me they will adjust once I can prove my taxes do not go up. I will not be able to prove that until XX/XX/XXXX The mortgage increase from {$1400.00} per month to {$1700.00} per month will be difficult for me and I do n't think CapitalOne has shown just cause for the increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XXXX/XXXX/2016 - I made a purchase of XXXX tickets from XXXX and cancelled it in less than 24 hours. As per the rules such tickets gets refunds properly but due to some issues the refund was getting delayed so i initiated a dispute with Capital One regarding that transaction on XXXX/XXXX/2016. Purchase was adjusted by capital one on XXXX itself. Later on XXXX XXXX issued a refund. Now from that day till now I have been following up with Capital One to close that dispute. Called their dispute team thrice till now and chatted and called customer service at least 5 times ... but nothing has happened. Their dispute team said that they will do that. But nothing happened. Worst situation - they have n't even sent me a communication that they are closing the dispute. Dispute team works only M-F during certain hours ... long verification process and around 20 minutes per call. There is no secure message center to send communication within Capital One ... essentially i had spent close to 2 hours overall just to resolve this issue with Capital One and no output. No assurance or acknowledgement that they are going to do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have no knowledge of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 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: MN

Complaint narrative:
Someone stole my personal information and identity and opened a account with XXXX XXXX XXXX. Credit Collection Services is the debt collector for XXXX XXXX XXXX. This account is fraudulent and do not belong to me. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. Please review attached supporting documentation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation