vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America employee - XXXX " XXXX '' XXXX denied submitted hardships on request for loan modification. These documented significant current hardships were ignored per XXXX XXXX. He would not even look on the BofA portal where these hardships are date stamped. He stated according to BofA I had no hardship which is extremely confusing since these documented detailed multiple hardships were uploaded to the bank 's portal. XXXX XXXX repeatedly denied the existence of any hardships and stated repeatedly that no modification would be approved. Thess hardships were caused by seeking a modification for BofA. BofA sent confidential letters to the property where tenants mistakenly believed that this property would be foreclosed. BofA inspectors stopped by the propery also distribing tenants and implied foreclosure, tenants also asked and were granted early termination of their lease due to these false threats. This caused a significant income reduction for me and I asked for a loan modification with BofA due to a increased expense my XXXX loan was reset. There is massive confusion with BofA XXXX day my loan is denied and I am not allowed to appeal even though the underwriters missed the hardships. The NPV were missed calculated and note provided to me. BofA states I have no need for a modification however I have proven, detailed over and over date stamped by BofA I have several hardships. I have XXXX different areas of BofA calling me all of them state I am denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Heavner, Beyers & Mihlar LLC
State: IL

Complaint narrative:
I was issued an writ garnishment that indicated the wrong principal amount. Per the documents I have received from XXXX dated XXXX/XXXX/2015 stated I owe XXXX, from a sale of the collateral that i voluntarily surrender. According to the paperwork I had an initial balance of XXXX they sold the vehicle for a XXXX, I was charged XXXX for storage in which the vehicle sat in a public strip mall up until the sale date. I do n't feel that is a legitimate charge. I then received a wage deduction notice stating the principle balance is XXXX. This appears to be fraud to get more money than owed. not to mention

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 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: GA

Complaint narrative:
CAPITAL ONE AUTO FINANCE # XXXX Claims I owe them for a car I never signed for. My daughter bought this car and I did not co-sign or sign my name to anything in reguards to that vehicle. It would be impossable for them to produce any paperwork that correctly matches my signature. I am requesting this account to be removed from ALL XXXX reporting agencies A.S.A.P.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am pregnant with my XXXX child. Obviously medical bills pile up. This is compounded by the fact that if you get behind by 1 day they send you to collection. Then you have to deal with the stress of a collection agency while still maintaining your payments on other bills. 

This debt was sent to collection in error. I spoke with XXXX XXXX who apologized and stated it would be removed. However, on XXXX/XXXX/2015 i get a XXXX demand letter to pay this debt. In bold letters stating DUE BY XXXX/XXXX/2015. i repeatedly get calls but they never leave a message. XXXX 

Additionally, they try to trick you into going to their website XXXX XXXX how professional is that website? ) in order to get the link to get your free copy of your credit report. Talk about being an Unfair, Deceptive, Abusive Practice. Fortunately i am an informed consumer who knows the website is XXXX. I feel sorry for those who are elderly and are tricked into whatever scam they have waiting for them on that site.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have no relationship, financial or otherwise, with Kohl 's Department stores. Between XX/XX/XXXX and XX/XX/XXXX, Kohl 's made XXXX separate withdrawals done by EFTs through XXXX from my checking account at XXXX totaling {$1300.00}. This was caused, apparently, because of the transposition of XXXX numbers in the Kohl 's card holder 's checking account that is also with XXXX in XXXX XXXX. The transposition of the XXXX numbers by either Kohl 's or the card holder resulted in the funds being taken from my checking account, obviously without authorization from me. From my perspective, Kohl 's illegally withdrew these funds from my checking account at XXXX. Their failure to correct their error amounts to theft from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a joint Capital One 360 checking account online with my partner for the sole purpose of having our federal income tax refunds deposited into it. We both had to answer security questions to verify our identity. Both of us answered correctly. Per our request, Capital one mailed out our cards to a trusted friends address due to us having a huge mail theft problem in our area. We had no problems with the account until the day our refunds were deposited. Spoke to a CSR that stated our account was closed after further internal review after the account was opened. Even spoke to a supervisor that stated the refunds would be rejected. They did accept the refund deposits. Now we have over {$8200.00} in that account which we are being denied access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I owe XXXX XXXX dollars for a snapshot I have not returned. But I am going to. Another thing they charged me XXXX dollars for nothing. I discontinued insurance company and they charged me for it! I will never go to progressive again because they falsified collecting information and charged me tons more than I owe them. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
orchard card was bought by capital one. on XXXX XXXX, i paid both my regular capital one acct. and the that was originally orchard. the regular capital one they automatically closed. the orchard one, they did not. i do not have a valid credit card for this account. i was just alerted by credit monitoring that they have reported me as deliquent. it seems they " decided '' not to close this account in order to charge me an annual fee on XX/XX/XXXX, have now charged me a late fee, interest on it, another late fee and more interest. i was not aware the original card had an annual fee. i was not sent a card to use, so why would i get charged an annual fee. i also have not received any bills from there or an email to let me know that i had a balance. Very unfair for them to close the XXXX acct. they could n't charge me a fee for and leave the open the other, then not bill me and keep charging me late fees and interest, given the fact that i do not possess a valid card and can not charge on it myself. 
i do not have the card no, acct no. according to credit report is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
Need to have a letter giving me a chance to try and get a fair amount to pay back, no one has written or call.I understand I took the car back because it was junk, but they need to send me something, I do n't have the money for a large payment, but the car was a lemon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XXXX XXXX 2016 I was contacted by Capital One 's fraud department in regards to my credit account. According to their representatives someone called them, verified all of my personal information, and attempted to change the billing address and email address listed on my account. This follows a separate fraud attempt about 3wks prior where someone had called attempting to add themselves as an authorized user to my account. The card they issued fraudulently was frozen, and I 've since closed this account and placed an alert in my credit file. I 'm troubled that Capital One would not provide me, as a victim, with documents and information related to this fraudulent transaction using my personal information as required under the FCRA. I asked the name ( s ) of the person who requested to be added to my account along with the email address ( es ) and billing address ( es ) they attempted to use but was told by the representative that I could simply file a police report using the case number they gave me. I find this unacceptable as without specific information the police department in my area is very unlikely to be able to follow up, giving this individual the opportunity to defraud me further or defraud other individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 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:
I have been living in XXXX for 5 years and i have not have a credit card in 12 years someone open a capital one card in my name and they will not agree to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Capital One Venture card telephoned to say my card was blocked but, other than to say there was an indication of possible attempted use by unauthorized user would not provide any information. I verified all outstanding charges. They still demanded I send them a photocopy of my Social Security card, proof of identity and proof of my address, and they would not accept telephone or on-online verification of my identity. I ( perhaps foolishly ) sent them copies of my Social Security card, passport and utility bill showing my address -- so now they are in a position to participate in identity theft should they not be completely honest. Nonetheless my account remains " restricted '' meaning I can not use the card or get any information from them online. I have filed an online complaint with Capital One and not received any response. Attempts to contact them by telephone result in very lengthy delays on hold and then a refusal by staff to provide any information or assistance, only evasiveness even when I speak with a supervisor. On XXXX XXXX, 2016, I wrote to them to close the account and credit the small rewards balance I have earned against the small outstanding balance on the account. Obviously it is too soon to have received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was in a non-profit credit management program. Each month I paid a consolidator {$700.00} and they distributed it to my creditors each month. The program has been ongoing since XXXX 2013 until present. One of the creditors was Capital One ( account number ending in XXXX ). During that time period My credit reports show XXXX payments 30 or more days past due for this account while there is no problem with the other credit accounts. The due date for the Capital One account is the XXXX of each month. I obtained electronic records from my credit management company showing that each month funds were always transferred to Capital One electronically within 30 days of the due date. In XXXX cases a double payment was made the following month when a payment was missed, but in these cases the double payment was still within 30 days of the due date the month before and so no payments were 30 or more days past due. I discussed with Capital One representatives 4 times by phone and they refused to fix it. I sent them the electronic records ( attached ), but they still refused to do anything even with the undisputable evidence. I do not think they have anything to gain from this. They are just too lazy to make any effort to fix their mistake. I think this is all electronic and it is not easy to fix and so they just ignore me. This account corresponds to 80 % of my late payments in this period and I have been denied credit due to these incorrect records. My position is that as a reporter of credit information to the bureas the law requires them to correct information when they have clear evidence it is incorrect. By not honoring their obligations as a credit information reporter they are causing financial damage to me. I want them to fix this so that I am not further damaged by their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This has been ongoing since Monday. I recently signed up for a Capital One card to help rebuild my credit. When I applied I was asked to show my id in photo. I showed them my passport, I was approved for the card and have made some purchases with the intent of paying off my card in full within 25 days to avoid interest. This week my card was turned off suddenly and I was asked to call. I find out that they require my ID again, social security card, and a utility bill to " confirm my identity. '' I send it off and I receive a call today telling me that the documentation I sent was n't good enough and I need to send my social security card and my utility bill again. This is after spending two hours going back and forth with them and this entire process making me feel as if I 'm being treated like a criminal when I 've done nothing wrong. I sent my documentation and they said they ca n't do anything until Monday. This is just unacceptable practices and the fact they 've gone out of their way to treat me as if I 'm a criminal just tells me Capital One is a disgusting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have paid Kohls credit card on time every month with my online pymnt scheduled out monthly, I was only using the card to build credit. Never leaving a high balance for any length of time, I will pay at least minimum with online banking, somehow the are showing me as 128 % utilization which is hurting my credit score! How can I be that much over when its paid monthly through banking plus me adding payments to keep this low..This being the second month they screwed up, I called Kohls and they told me they will not help me..until XXXX XXXX.Im trying to buy a house, this is hurting me! good bye kohls..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 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: AFNI INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To Whom It May Concern : I am writing this letter because there is a big mistake on my credit report. I am specifically talking about the Afni Collections Account for {$1500.00}. 

Afni Collections has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. I look forward to a speedy resolution of this matter. 

Thank you. 

Sincerely, XXXX XXXX XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Two days ago someone fraudulently stole {$2000.00} from my Capital One 360 account. It is now over 30 hours later I have yet to have a resolution. I have spent over 5 hours total on hold trying to reach their security department and have only spoken to one person who has informed me it may be another 2 days before " someone '' will call me and actually unlock my account for me. I have sent everything they asked and so far heard nothing in return. Meanwhile I have no access to my money and no way to contact anyone for a resolution. It 's an extremely scary situation and this bank should not be allowed to do business like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have contacted capital one bank several times since I found out they were reporting XXXX default debts that were paid in a settlement agreement. in the agreement when I finished paying the agreed amount they would remove the items from my report. they have not removed them and I keep getting the run around and they keep trying to say it was third party agency however capital one is the XXXX reporting it and they are the ones I paid. they are using deceitful practice to collect money and then not holding up to what they say they will do. after several phone calls to capital one I received a letter saying I need to talk with a third party agency they pay to collect money and make their agreements. As I explained on every phone call capital one is reporting it and they are the ones I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Yesterday ( XXXX/XXXX/2015 ) I contacted Capital One to advise them that I would be paying my credit card balance in full by XXXX or sooner. The agent confirmed to me XXXX TIMES that my card would be re-activated and available for charges once the payment is made ( see attached ). 

I made the payment that same day. 

Today, Capital One informed me that MY ACCOUNT HAD BEEN CLOSED as of XXXX/XXXX/2015, and that it can not be re-activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My capital one credit card accounts are being restricted because I have added authorized users.This is something that is legal within the capital one company policy. They are asking me for information and documents about the people that I have added even though they are no longer on or with my accounts. My accounts have been opened for about two years and it will be very difficult to track them or their information down when I do n't know their current situations or whether or not some of them are deceased. When I added them to begin with, they should have just asked me for all of the required information then. I pay annual fees to keep some accounts open. Now I 'm being restricted without a clear explanation why. Capital one called me from their fraud department, but I have not committed any fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX purchased my debt from Capital One in the amount of {$300.00}. The amount that XXXX XXXX XXXX is charging me is {$450.00}. XXXX and I agreed to settle at {$350.00} ( more than I needed to pay ) and I paid it. They cashed a check with an agreement letter attached that states, " Only cash if you agree to delete account permanently from credit reports ''. Since calling to follow up with XXXX they have told me that there is still a balance of {$100.00}, which is completely absurd. This is totally inaccurate reporting and it 's deceitful, not to mention they cashed a check on an implied agreement.

Company response to consumer: Closed with explanation