vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Questioning my jcpenney account/synchrony bank. I contacted customer service on XX/XX/2016 .they replyed on XX/XX/2016 with stupid answer about interest and rates. there is fluctuation of payments.XX/XX/XXXX $ XXXX-XXXX. XX/XX/XXXX $ XXXX-XXXX.XX/XX/XXXX $ XX/XX/XXXX-XXXX. XX/XX/XXXX $ XXXX-XXXX. I have not used card in a year. balance keep going up instead of down. started with $ XXXX.I have not missed any payments ever. started account in XXXX.since moving to az there have been XXXX with account. I refuse to buy anything from jcp.why pay account out you do n't know the balance.the ceo XXXX XXXX XXXX is no help. This is what discourage consumers who make timely payments. please, please help with fluctuations of payment.bill should be going down. addition of more interest and days than should be.this may not be of interest to some, but I have heard from some other customers the same problem to cook books. 
I do have jcpenney credit card, but will not use it.I was sent information last time when XXXX XXXX became ceo. nothing new.I know interest rules.

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 monetary relief
Consumer complaint received 2016-04-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
The interest on my Synchrony Bank Walmart credit card went up without any notice. The banks that own credit cards want to be able to do anything they want to their customers, hiking up the interest rates, since theyre variable.

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 2016-04-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for a capital one XXXX business card for an llc for which I am a member. The card is now reporting to my personal credit report. I called capital one and they said they would switch it to the company credit report. However, they called me weeks later and informed me that they added the TIN to the card but will not remove it from my personal credit. This is not a personal debt. It is the debt of the company, XXXX XXXX XXXX, and paid for by the company. If it were a personal card, it should not have been marketed as a business card and to the business with the business name on it and reporting to the business credit report. If it is indeed a business card, then it should be taken off my personal credit report. One of the other llc members also has a XXXX business card, that includes me on it as well as the business name, and capital one will not allow me to close that account because they are saying that is her personal card, even though it has the company name and tin attached to it also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
MY CREDIT CARDS WITH CAPITAL ARE RESTRICTED DO TO NO PAYMENTS MADE, I HAVE NOW PAID THEM CURRENT OR PAID THEM TO XXXX AND THEY REMAIN RESTRICTED. AND THEY DO NOT WANT TO TELL ME HOW I CAN GET THEM RESTRICTED OR IF THEY WILL CLOSE, ALL THEY SAY IS THAT THE SYSTEM WILL DETERMINE WHAT WILL HAPPEN TO THE CARDS. I DONT WANT TO CLOSE THEM SINCE IT WILL DAMAGE MY CREDIT MORE THEN IT ALREADY IS, I MADE THE DRASTIC PAYMENT AMOUNTS SO THAT I CAN USE THEM TO HELP ME REBUILD MY CREDIT. BUT IF THEY ARE GOING TO CLOSE THEM, THEN THEY SHOULD DISCLOSE THAT NOW SO I CAN DETERMINE WHAT I NEED TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Complainant ordered a XXXX XXXX from XXXX XXXX on XXXX/XXXX/XXXX using a Capital One VISA credit card, paid via XXXX. Computer arrived in a non-working condition. Returned the computer on XXXX/XXXX/XXXX. After 30 days, Capital One credit card had not been credited for returned item. Complainant opened a dispute with credit card issuer Capital One. On XXXX/XXXX/XXXX, Capital One denied the dispute chargeback because purchase involved XXXX, in violation of the United States Fair Credit Billing Act, 15 USC 1601 Section 170.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I declared Bankruptcy in XXXX XXXX and it was Discharged XXXX XXXX, XXXX. I filed against XXXX XXXX on an equity loan held jointly with my wife. I sent payments until my check in XXXX XXXX was returned saying no loan could be found and they could not ask for any payments because of the Bankruptcy. In XXXX of XXXX my wife co-signed with my so to purchase a home and this loan showed on her credit report. When contacted both Capitol One and XXXX XXXX report they had no record of any loan we have asked for a release of lien XXXX times and was promised a letter of release and never received anything. When we follow up they say it is in research. My wife file a complaint with Capitol One XXXX months ago and got no response. we have asked for about his lien using both my and my wife 's social and no loan is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from CREDIT CONTROL SERVI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT CONTROL SERVI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXCredit Collection ServicesXXXX XXXX XXXX, MA XXXX-XXXXAccount # XXXX do not except your offer to do business. If you attempt to force me to do business with you under threat of economic harm, then that is attempted extortion. If you attempt to force me to do business with you without any written relationship between us, then that 's fraud. If you continue your course of action, I will consider the situation a crime and act accordingly. Return this account to whoever asked you to invite me to pay whatever it is you are collecting. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a customer of capital one for 10 years. I was told when I opened the account I would receive a increase which would help build my credit but have yet to see either I 've applied for a increase several times with no results. I know multiple people who have gotten there credit limit increased within a few months of opening there accounts and I have n't got one in the 10 years of opening mine

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The debt is well beyond the Statue of limitations for collection. They have repeatedly taken of on credit report only to add it to others time and time again. The account was sold in XX/XX/XXXX and resold in XX/XX/XXXX. It should not appear on my credit report. They should not be calling family members about this old debt. They should not even be writing me about debt. They have been sued, they have been fined, yet they continue to commit the same unethical acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XXXX XXXX, XXXX Citizens One issued me a 90-Day Notice to Cure mortgage default. 
On XXXX XXXX, XXXX I sent an Error Resolution Notice Under XXXX XXXX XXXX by certified and regular mail. 
On XXXX XXXX, XXXX Citizens acknowledged receipt in the first of several acknowledgments. 
ON XXXX XXXX, XXXX Citizens states that they will request more time if they can not resolve my Error notice inquiry within 30 days and on XXXX XXXX, XXXX Citizens One sends me notification that my inquiry was sent to Office of the Chairman. 
On XXXX XXXX, XXXX Citizens applies funds to my loan account and begins a serious of payment reversals and loan activity. 
On XXXX XXXX, XXXX, despite loan activity and in non-compliance of deadline, Citizens fails to answer my XXXX XXXX, XXXX inquiry. 
Citizens demonstrates a pattern of practice of non-compliance under RESPA, that it continues this non-compliance after issuing me a 90-day notice to cure is exasperating, I implore CFPB to investigate Citizens servicing of my loan. 
On XXXX XXXX, XXXX I sent a sent a written inquiry for failing to respond and request to immediately answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone fraudulently withdrew money from my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Account closed with out my knolage or permission. after talking to three customer service reps, two fraud agents, and then customer servixe. They where unable to help my with the information or access on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My name is XXXX XXXX. I applied for a vehicle loan so my credit was ran. I was told by a loan officer that i have XXXX accounts with Capital One. XXXX accountis is open, this account I 'm aware of. The XXXX account I 'm not aware off, this account is reported as Force Closer. I contacted Capital One was told that this account does not exist. They will be mailing me a fraud report. How do I go about getting this fixed on my credit score? I hope you can help me with this very important issue. You may contact me at XXXX or by e-mail at XXXXXXXXXXXX. I appreciate your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I 'm a longtime Capital One customer and recently had a bad experience with paying off an auto loan. I recently paid off my auto loan and received very little information on what would happen next and never received my title. 

After contacting Capital One, I learned that I should have received my title in the mail within three weeks of paying off the loan. I followed up a month after not receiving my title or any communication regarding the loan from Capital One. After multiple attempts to contact customer service to follow-up, I was eventually able to speak with a representative who promised to send a lien release document that I could take to the XXXX and use to pay for a copy of the title. 

Six weeks after paying off the vehicle, I eventually received the lien release document. Today I took it to the XXXX and it cost more than {$25.00} to get a copy of the title. Instead of being sent the title free of charge, I was forced to pay out of pocket and spend about an hour ( not counting time on the phone with Capital One 's customer service ) to retrieve the title myself. From Capital One 's perspective, I 'm sure they would rather cut their own costs by sending a lien release document than spend the time and money to send the actual title, but it does not seem like a good faith practice to pawn these costs off on their customers. This is particularly the case when they in fact claim that a title has been sent. 

I know that Capital One has my current address because I receive promotional mailings from them and it 's up to date in their system. In addition to costing me time and money, I 'm worried that this is a widespread practice by Capital One auto loan department and that other customers are dealing with similar situations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am trying to build my credit so I applied and was approved for a SECURED credit card through Capital One XX/XX/XXXX. It required a {$50.00} DEPOSIT which I made. I used my card for purchases. Then I made my 1st payment of {$200.00} on XXXX/XXXX/2016. I had am available balance and made more purchases. Then on XXXX/XXXX/XXXX I made my 2nd pymt of {$190.00}. I should have an available balance once again. Both payments were made with my XXXX checking acct. Since XXXX/XXXX/XXXX, my card has been declined, my online Capital One acct has been restricted. I called Capital One today and received no resolution, I was just told that they needed to verify my XXXX account was indeed mine and that they could n't verify right now or provide with an expected resolution time of when it would be resolved because XXXX lines were busy. So from XX/XX/XXXX to present XX/XX/XXXX Capital One has my {$50.00} deposit and my {$190.00} payment, but I have NO ACCESS to my account, my available credit, or my deposit. 8 DAYS AND COUNTING HOLDING MY $ HOSTAGE!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
my capital auto loan is being hacked for the second time not allowing my automatic deduction to come out of my XXXX checking account what kind of online security does capital one have it seems to be the worst around. now my auto loan is going to show a late payment because they have the poor cyber security

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX 2016 I received a notice from CapitalOne " XXXX Credit Card '' about an apparently fraudulent charge of {$880.00} to my account. I confirmed to them ( by phone ) that I was unfamiliar with the company making the charge, and had never had any dealings with them. They assigned a case number : XXXX and sent me a letter acknowledging the problem. I have since had repeated messages on my answering machine from XXXX of their agents stating that they require more information to settle this matter, and instructing me to phone back. XXXX attempts over a period of several days to reach this agent at the phone number he provided have been directed to his voice mail, which claims that he will phone me back. He does n't, and my attempts to reach him are in vain. A protracted conversation yesterday with a customer-service representative resulted in her earnest promises that I would be called back with 18 hours. I have heard nothing since. I am concerned that having no opportunity to provide CapitalOne with whatever information they require about this fraudulent charge will result in their holding me responsible for it. I need someone to prod them into accepting my calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Have a credit account with capital one bank for several years. They restrict my account because they think it 's a fraud issue after send my personal information many times and speak to many mangers has not been resolve my problem

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
RECEIVED MULTIPLE LETTERS FOR ALLEGED DEBT. MULTIPLE TIMES, I SENT LETTERS REQUIRING THE THE DEBT TO BE VERIFIED. TO DATE, OVER 90 DAYS REFUSED TO DO SO. HAS SINCE REPORTED THE DEBT TO CREDIT BUREAU 3XS. i WANT IT DELETED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX 2015 I disputed charges that were unauthorized on my bank account. On XXXX XXXX my direct deposit went into my bank account for {$2600.00} the disputed charges were {$940.00}. At XXXX on XXXX/XXXX/15 the bank restricted funds for withdraw, I called them at XXXX and emailed them through the online system. After being on the phone with them without an answer as to why I finally received an email that said they were restricting my accounts, at XXXX. They have not notified me of finding against my claim for disputes, but today said on the phone that they wo n't know until XXXX XXXX. The disputed charges are XXXX my checking account balance is XXXX. It 's been 10 days since the dispute and the credits were given and no notice that they were going to be reversed. I paid my rent and the bank reversed the payment causing my lanlords bank account to be negative {$1300.00}. I have never been notified by mail, email or phone as to what is going on and now they do n't know when my money can be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX my credit card was reported over the spending limit and i lost XXXX points on credit score the problem is that i never went over my limit and call into Captial One and it was investagated 3 times and they came back and said yes it was an error on there part and could n't correct it for up to 60-90days ... I was in the process of buying my house for my children and i and should not be punish by losing my house and loan because of an error on there part. I call for 3days and keep getting the run around this is not best practices at all not to mention that they didnt report me in XX/XX/XXXX at all and had to update that information on XX/XX/XXXX. Im truly upset and surprise that a company could do this and nothing be done to fix my problem ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 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: NY

Complaint narrative:
I am receiving letters from credit collection services for XXXX bill that I do not owe, I have never had any accounts with XXXX,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received a letter that fraudulant activity occurred on my Capital One account that I put in my husband 's name ( as a XXXX card under my social security number ). Capital One is refusing to speak with me and close both of cards as they say I am not a account holder on the card ending in XXXX. However, this is not true. I got this extra card for him. The bill comes addressed to me with both my card and my XXXX card charges on it for payment. 

The fact that they are refusing to let me speak to someone that can help me and resolve this an unfair and deceptive business practice. A " XXXX '' with badge # XXXX refused to help me. He would not explain the fraudulent charges, not close the account. 

As I said already. I opened the extra card under my social security number as a XXXX card. Capital One sends me the bill and am expected to pay it, yet they are refusing to discuss the fraudulent activity with me nor close the account. Any fradulent activity with negatively effect my credit rating and credit.

Company response to consumer: Closed
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
An account in my name was opened with Capital One. The account became delinquent, and I was taken to court. Even though I did not open the account or give permission for this account to be opened I was held accountable. My wages were garnished, I 'm ok with this because it ended up being a family member that opened the account. My wages were garnished, and the account was satisfied, and the case was taken off of the docket. Several months later, the funds were given back to me. I did not ask for the funds they just showed up. I called Capital One to inquire about the funds and I as simply told that the case was closed and the case was taken off the docket. 
Several months later, I received a letter stating that the funds were once again going to be taken from me, and I was being garnished again for the same funds that were returned to me! Only this time the amount was more than twice the original amount that had already been paid ( and returned ). When I called XXXX and XXXX, the attorneys handling the case, the only information they would give me is the returning date for the case when they pick up the wages that had been garnished. This is unfair and deceptive! The funds were returned to me and now I am being made to pay for funds that had been paid? 
Please contact me for more information and specifics to this case.

Company response to consumer: Closed with explanation