vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have had an on going problem with Wells Fargo Bank Credit Card Division regarding Payments. My payments are due on the XXXX of each month. Most months I pay my payments weeks early, due to budget issues. My XXXX payment was made on the XXXX of XXXX. At the XXXX of XXXX I received some inheritance money and made some extra payments to the account. on XXXX I paid {$2000.00}. On XXXX my credit card bill posted online and I paid the {$290.00} plus an additional {$250.00} for a total of XXXX. They posted the XXXX payment to XXXX rather than XXXX and charged me a late fee. they removed the late fee but have refused to adjust the account. I went into the bank and had a banker talk to the credit card office twice and have a third appoint for XXXX. My last appointment only brought frustration for me and the banker. The bankers agree that I am right and that my account should be adjusted. The credit card division has been nothing but rude and condescending.They keep saying that they no long correct their accounting errors. I had this same problem in XXXX and XXXX. I turned it over to the Consumer Protection people for resolution and they had the credit card division audit my account. they ended up refunding me over {$300.00} in late fees. Since I have made this same complaint twice they will not help me.

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 2017-02-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One Representative XXXX explained to me that they sppke to the real " XXXX '' and taht theu confirmed that they didnt open an account. They never asked me to provide documenation or proof and closed borh of my accounts beleiving the alleged

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 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: MS

Complaint narrative:
I was an authorized user on my wife 's credit card and they are trying to collect the debt saying I am a joint account owner. They have no paperwork to prove this. They have put the debt on my credit report and will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have called and asked to be taken off their mailing list several times and a couple months later there is another credit card offer. Today XXXX/XXXX/2015 they sent another. How can I get them to stop. This has happened every 2 months for the last 3 years. thank you

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

Complaint narrative:
When shopping with my daughter and friend for groceries, at check out my capitol one, gm card was refused to pay for groceries, Later when i called capitol one fraud center and spoke to XXXX ID # XXXX??? she said some groceries in XXXX were experiencing credit card fraud so they question all sales, My Complaint is if they are going to Arbitrarily discriminate XXXX groceries they need to inform card holders to stop the embarrisment at time of purchase.How can I cancell doing business with capitol one without effect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There is a Capital One credit card ( with XXXX missed payments ) listed on my report that I never opened or used.

Company response to consumer: Closed
Consumer complaint received 2016-05-05 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XX/XX/XXXX, I was solicited by Capital One to consent to a pre-approved credit card, which was advertised as having " No hidden fees '' on the promotional mailer, and in television commercials running at the time. On XX/XX/XXXX I paid my balance on time and in full ; on XX/XX/XXXX I was charged interest in the amount of {$110.00}, which was interest from the time of the prior statement cycle to the time my payment posted ( again, on time ). This card has no " grace period, '' which is deceitful, and relatively unusual, if my other cards are any indication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had canceled and payment because i knew that i was n't going to have the money in my account but capitol one still tried to take the money out which mean it was an returned payment and they closed my account said it was closed to returned payment and could not be open and i am not able to get an account with them again. now they reported this to my credit report and said i had to pay the remaining balance and i paid the balance it was XXXX and i am not able to get anything anywhere else because they still show that it is not paid for and they wont do anything to report that they closed my account in error i tried calling and they hung up on me i call back and the first person always says they see they see what i am saying but then i always get transferred and the person they transfer me to say they cant do anything about it. but i know they can. they can at least report that they closed it in error so it wont mess up my credit. I just want to know why they would n't do anything bout it and i been calling since

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have XXXX carloans with Capital one auto. At the time I obtained the loans i was financially able to pay event though the payments were extreamly high. XXXX loan is {$600.00} and the other is {$730.00}. I signed a form promising that if my situation changed that i was to conatct the lender. I have made many attempts to try and lower my payments becuase the loans payments are now a financial burden. I was told that because i have poor credit i was not able to refinance and had to stay with the loan terms provided. I called and even offered to return both vehicles because i was not able to pay and i was informed that i could not return the vehicels. The remedy i am seeking is for Capital one to work with me and reducing my payments so that i am able to afford to pay them on time and not be behind. I also would like for them to forgive the late payments in order fro us to be able to start fresh. we need these vehicles to be able to go to work and pay our financial obligations but now its become very difficult and causing us to be behind on other financial obilgations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Last Year I was XXXX shopping for my family on XXXX, I used XXXX different credit cards. I belive I started XX/XX/2015, I purchased a lot of products, I used my XXXX card, capital One and my XXXX XXXX card. When I got my first bill it said the date then XXXX *my product and amount of the charge.I assumed this was ebays billing method. I did n't think anything of it, I 've never shopped on line before. I had a dispute with a man named XXXX XXXX, so I contacted XXXX over it, and all of a sudden I began getting threats on my XXXX. From this man Very Nasty ... .I did n't know XXXX XXXX being sent my credit card charges from XXXX. So when I desupted, the charge against this man, XXXX locked down all my charges.And I did n't know until my tee shirt man called me and asked me to release his {$180.00} I owed him ... Than I continued to get threats from this man. Thats how I found out who paypal was. I did not have an account with them. So it became a big mess. XXXX then gave this man my real name, address, phone #, business address, and phone # there as well. He threatened to come to my home and it got really bad. I saved his emails, and emailed XXXX as well and saved them in my arcives.Need less to say my computer was hacked and they disappered. I do n't beilive this is legal, and I ca n't imagine them, giving my charges to another company, yet release my personal information..Thank you for your time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The credit card company was unable to accept my form of payment. I submitted copies of my bank statements to show proof of funds. I was unable to obtain another method of payment until recently and paid the full amount of the account. I since spoke to an account representative who had no record of receiving my bank statements and the conversation I had with the account representative who stated there would be no issues with credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Brought my vehicle in for warranty item to XXXX XXXX and was charged a miscellaneous charge on invoice in the amount of {$1200.00} on XXXX/XXXX/16. I disputed the charge with Capitol One credit card and was given credit back on XXXX/XXXX/16. I was rebilled for {$1200.00} on XXXX/XXXX/16 even though the charge that XXXX XXXX charged on my card is in direct violation of our state laws which is New Hampshire. I have given all information to Capitol One in order to uphold the chargeback but they will not give us our credit back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX 2015, Capital One restricted my credit card account without any notice. I called Capital One multiple times but even their fraud agents could not open my account and see the details. I was told that my account was restricted by " XXXX '' of the legal but no other details. They said the account was completely restricted and I could not even make a payment because of the restriction. The " XXXX '' never contacted me and let me know the reasons. 
There were NO Capital One notices in any form to me to notify me that my account was restricted and for what reasons. 
Now my account was pass-due because I could not see the account details and could not make a payment because of the restriction. My credit was seriously impacted and I had credit limit decreases from other credit card companies. I lost XXXX on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have a credit card through CapitalOne and recently found out that I am now hopelessly trying to pay off what I feel were hidden compounded interest charges. Unknown to me, they have been compounding interest on a few cash advance transactions made on my card. My monthly minimum payments were not being calculated at an appropriate rate, or applied appropriately to insure that the higher interest cash advances were repaid instead of a continually growing interest balance. I have now read through my statements, and it is true that the information I need to understand what is happening is provided on the statement, but it was not clear to me before and what they are doing just does n't seem right. They are only applying my payments to lower interest purchases, so now what was a small amount of cash advances has exploded into a ridiculous amount of money. Now the only way to get my cash advances paid off is to stop using my card, pay off the lower interest purchases, and then start paying off the cash advances which have accumulated interest at a significantly higher rate. It just seems to me completely backwards from how things should be, I feel like I 'm a victim of not reading the fine print carefully enough, I do n't feel like they have my back which at the very least is disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: NJ

Complaint narrative:
Capital One is reporting a charged off listing on my credit reports. This entry is because of fraud. I contacted Capital One of the unauthorized charges and requested that they send me a fraud package to complete. They have yet to send it and it 's been almost 2 months. I 've the debt with the credit bureaus but Capital One continues to report the damaging listing. Make note of this formal complaint and help me to resolve it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Follow up is needed for CFPB case # XXXX - XXXX, Capital One Complaint ( CapOne Case # XXXX ) After review of the credit card application and all statements for the credit card opened fraudulently in the name of my fathe, additional information is needed as follows : ALL documentation related to the following charges that follow : XXXX XXXX -- XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX My father was the victim of XXXX ABUSE and details on these charges are needed for a legal action underway. 
Please note that the Capital One letter I received in response to the CPFB request is insulting. It claims they needed additional information. This is a lie. 
Numerous letters and emails to CapOne included the same request ; I provided not addti additional information to CapOne. They continue to victimize victims. Shame on them!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Collection Service
State: ID

Complaint narrative:
I was on section XXXX or government housing in 2010 the companys involved will not release the contract or proof how I owe rent. I have tried may times to dispute this and I eveneed tried to settle. The company are unwilling to do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
This duplicate case is in reference to complaint no. XXXX. The attached documents are XXXX credit reports pulled on XXXX XXXX, 2015 and XXXX XXXX, 2015. 
The XXXX XXXX report shows a total balance of {$280.00} with an on time account, last paid in XX/XX/2015.In XXXX 2015, the new report shows the following inaccuracies that show the Company BACKTRACKING information.The last payment shown is in XXXX 2015 and the charge off is shown as disputed. I never disputed the charge with Toyota or any credit companies. I was working with the CFPB and can be quoted on an XX/XX/XXXX call with TFS as having said so. Also, how can an account in 15 days, go from on time status to charge off with no notice or communication to me? The XX/XX/XXXX bill was sent 15 days later and nearly five months after I returned the car to the dealership and reached out to them immediately, asking them for the balance due ( even though my XXXX 2015 credit report showed {$280.00} ). After months of TFS and the dealership telling me they are " trying to figure it out '' they finally sent me the bill on XXXX XXXX, while at the same time without notice put me into collections. I should have had enough time to cut them a check. 

According to the Fair Credit Reporting Act, " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. '' I want this removed from my credit. After that is completed, I will pay off the total balance owed on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This Debt Collector continues to report to all XXXX Credit Bureaus that I owe them when in fact this debt was taken care of by the original creditor via a XXXX. 

XXXX is also reporting the incorrect date on SEVERAL accounts as the " Account Open '' date as of last year ( XXXX ) when in fact these accounts were opened in XXXX to XXXX and are ALL past the Statue of Limitations and are about to be either removed by the Credit Bureaus OR are about to turn positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
On XXXX XXXX 2016 and XXXX XXXX 2016 I sent a certified debt validation letter to Credit Collection Services. They did not respond to either letter and have now violated Federal Law under the Fair Debt Collection Practices Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
Navy Federal Credit Union, explained that they would not adhere to the XXXX, and my request to dispute certain items, due to perceived fraudulent transactions. In my official XXXX letter mailed to Navy Address in XXXX, Virginia I requested all statements, and ancillary information. I was informed by the Navy CSR that if I did n't imminently make payment I would be reported to the CRA as late. This is a clear and cut violation of the Fair Credit Billing Act, and its provisions that the CCPA codified XXXX which requires CREDITORS : " In addition to creating a mechanism for dealing with billing errors, the FCBA contains additional regulations, including the following : Billing statements must be sent at least fourteen days before the payment is due for open end credit accounts that have a grace period prior to adding finance charges. 
If banks report payments as delinquent to credit bureaus they must also report a charge is disputed. 
Credit card companies may not prohibit merchants from offering discounts to people who pay with cash or check. 
Banks may generally not use money in checking or savings accounts to pay a delinquent credit account with the same bank. 
The XXXX XXXX gives a consumer the right to sue or assert defenses against the credit company ( instead of the actual merchant ) in a dispute about the quality of goods or services received, to the dollar extent of the amount of the charge ( s ) involved. ( The dollar amount of the charge must exceed {$50.00}, and the purchase must have been made in the consumer 's home state or within XXXX miles of their address ( unless the creditor is affiliated with the merchant, in which case these restrictions do not apply ). The consumer must also make a good faith attempt to resolve the dispute prior to invoking this right. ) Especially now is all the more prudent to support openness and not be punished in light of XXXX which stated purpose that created the CFPB is " To promote the financial stability of the United States by improving accountability and transparency in the financial system, to end " too big to fail '', to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. '' Id say the mere treating of reporting me as delinquent when I challenged a statement is not only counter to XXXX its counter to the mission and work of the CFPB. I am disappointed in NAVY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Prizm Financial Company, LLC
State: DE

Complaint narrative:
PRIZIM Financial based out of XXXX, OH is the rudest, most abusive company that I have ever come into contact with. I called them regarding a mix up with my auto payment not coming out and they screamed at me, sent several emails back to back, threatened me with legal action ect, sent me emails accusing me of not having car insurance and bouncing payments and all for a payment that was only 18 days behind. Prior to this I had never been behind and I have never been more disrespected when dealing with a company than I have with Prizim financial.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I owed approximately XXXX dollars. While I was waiting for XXXX to be ok 'd, ( 2006 ) the first debt collector ( I do n't remember the name ) started to call me everyday, even on the weekend. I kept telling the person ( XXXX ) that I expected money in about two weeks and told him after several calls that I was going to receive XXXX for XXXX and XXXX. He started acting upset and said. oh no! He hung up and called our police dept and told them I had threatened to kill myself. The police called my home and my sister had to verify I was ok. A supervisor called me and tried to set up payment and I told them about XXXX XXXX actions. They told me they had fired him for those kind of tactics. I told them I would not pay the debt, instead of suing them, and they stop calling. A year later another debt collector XXXX started to call and harass me for the money, I told them the story of the other collector, and they bought a bad debt. I did not here from them until recently. Now they are calling me every week day sometimes twice a day. They continue to report this debt to credit agencies. The original debt is from 2006, I now receive XXXX and can not pay and feel I have been wronged and harassed. I 'm done. They have not sent any written communication, just keep calling after10 years. hopefully you can give me direction. Thank you.

Company response to consumer: Closed with explanation