vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX my Capital One credit card account had an unauthorized charge of {$620.00} from XXXX XXXX and {$34.00} from XXXX. These charges were immediately disputed as fraudulent activities. Capital One has closed the account and reissued me a new account. But the same amounts from the same merchants were charged to my account repeatedly every month since XX/XX/XXXX until XX/XX/XXXX in spite the multiple attempts to change my account no. and credit the same amounts. I have spent multiple hours speaking to multiple agents in numerous occasion about this matter. On XX/XX/XXXX, they made a resolution and concluded that they were missing a credit of {$620.00}. But on XX/XX/XXXX, Capital One issued a rebill of the same amount they credited on XX/XX/XXXX. On XX/XX/XXXX, I made another phone call and requested a written explanation and/or computation about this long-drawn issue. According to Capital One they will escalate the said matter and give me a resolution and a follow up phone call within 72 hours. No follow up phone call was received nor a conclusion given. This issue has consumed so much of my time without any resolution. Despite several complaints, they have not resolved the issue in accordance with resolution prescribed by federal regulation. In my limited research I noted under EFTA ( reg e ), a financial institution is required to resolve the issue within 45 days. This has become a burden of mine for a year now. I have been a good customer of this company since XX/XX/XXXX and has been a responsible consumer since. I appeal to your good office to assist me finalize this matter once and for all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
For the second time this year, my Capital One credit card has been compromised by a breach in a merchant system. In the first instance, I asked if Capital One could give me additional information for my own protection, as I would like to make a decision about whether and how I continue to do business with a merchant with potential security issues. They refused, citing an " ongoing investigation. '' Due to the circumstances, I was able to determine the merchant on my own ( family and friends ' cards were compromised as well ), and I was eventually notified by the merchant. I never received additional information from Capital One. This same problem has happened again, and while I realize there may be extenuating circumstances that need to be sorted out, I believe it 's a consumer 's right to know the identity of a company whose security was breached, potentially impacting their personal and financial information. Capital One informed me today that it is the merchant 's decision whether or not to make the information public and notify customers. What are my rights as a consumer in this circumstance?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One is reporting incorrect information on my ein number and is not suppose to be to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In 2008, like many Americans, our family was suddenly underwater with our home mortgage and we got behind due to a job layoff. We applied for and were accepted in President Obama 's aid program. We did a loan modification with Wells Fargo. Our home mortgage went up the exact amount as the aid package, so we thought we were paying off this aid in our new payment. However, we were recently blocked from selling our home to a buyer who 1 ) was qualified and 2 ) did not have a property to sell. We also received what we needed in the offer. That sell was blocked as the title company uncovered a XXXX mortgage in the amount of that same aid. Please pursue this matter with Wells Fargo. We are open to a fair and equitable settlement. 

Thank You, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 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: Action Collection Service
State: ID

Complaint narrative:
They keep on calling me about a debt, that is past the statue of limitations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Called in to find out about XXXX past accounts on my CBR Account # : XXXX and XXXX both from Capital One spoke with XXXX XXXX said said the account were sent to a Law firm and that a Law suit was Filed on me XX/XX/XXXX but she then told me the account was charged off XX/XX/XXXX and sent to a few collection company and now the law firm XXXX XXXX XXXX XXXX i explained to XXXX XXXX sounds not right like i feel like im getting robbed or something i explained to the account was open XX/XX/XXXX and closed XX/XX/XXXX on my CBR say Account closed at credit grantor 's request she said that Capital one still owns right to debit and i asked to speak to Manager was transfered over to XXXX # XXXX She explain even thou account was pass State of Limitation Capital one still right right to collected of debit and said law was filed on me as well and sent to law firm again XXXX XXXX XXXX XXXX explain to that this account should not be active that it was closed by her company she said they still have right to debit i was very worried I called XXXX XXXX XXXX very rude company could n't find my file would not help me very bad experience and just want this cleared up with feeling like im getting robbed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a balance payment on my account for XXXX on XX/XX/2017. I was then informed that my account was closed after payment. I was never notified of account closure before today when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I receieved a new card in the mail a few months ago. I tried to activate it online when I was prompted to call a number because there was an isue with the account. I called the number and was informed the account was restricted because it had been flagged for fraud. I was told in order to remove the restriction I would have to verify my identity as well as the identity of the co-signer on the account. I immediately informed them that I would not in any way be able to provide documents for the co-signer as I no longer have any relation to this person. I also informed them that I wanted this person removed from the account. I was told that this would be fine and that a link would be sent to my email for upload of documents for my identity. During this process several other calls were made to check progress, etc. during none of which I was informed that i would still need to verify identity of co-signer. During XXXX of the last few callsI made ( about 2 or 3 weeks ago I was informed the only thing we were waiting on was my proof of address. ) This was then sent in after which a few days passed by and there was still no response. I then decided to call and check progress, it was in this moment that I was informed that my identity had indeed been confirmed however they were waiting on the documents for the co-signer. I explained the situation to the person attending my call and was then provided with the extension number for the person working my case ( who by the way either just does n't answer the phone or is never in office, name : XXXX, extension number:XXXX. case number I was assigned by capital one is : XXXX ). I left several messages with this person to no avail. This morning I called again and still no answer, so I called back to the regular offices only to be told the same story, which at this point no longer bothers me ... .even though it is my account, under my name, with my money and I do n't feel, especially after they had told me it would be fine, that I need to verify any other identities besides mine ... ... .what bothers me is that they wo n't even cancel/close the account. I am being forced to have an open credit in my name which I can not use and have no access to.

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: False statements or representation — Indicated committed crime not paying
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I agreed to a 1 year insurance policy with XXXX XXXX ( XXXX / XXXX XXXX, CA XXXX ) for my condo unit in XX/XX/XXXX. 

In XX/XX/XXXX I began to receive notices of past due amounts for a renewal of this insurance policy. I notified XXXX via telephone and email that I no longer wanted their services, thus the reason why they had not received a renewal payment. The reason why I did n't want to renew with them was due to their lack of attention and detail to my account while I had them. 

I then began to receive past due notices in XX/XX/XXXX from another representative in their office XXXX ( XXXX ) asking for the same amounts be paid, however I had told them I did n't want to continue with their services yet again in XXXX. 

On XX/XX/XXXX I received a notice in the mail from Credit Collection Services ( XXXX ) a collection notice in the amount of {$130.00} from this XXXX office. I immediately contacted XXXX who said she would have their office manager ( XXXX ) contact me regarding my concern ( she has not returned my calls ). She also said that I just needed to send her an email saying I have another insurance policy with another company and they would excuse the amount due. 

My concerns are the following : * I notified this office several times to cancel and they did n't. 
* They are billing me for services I did not want and are now sending me to collections. 
* They are unable to explain in detail how they calculated {$130.00}. 
* XXXX is now asking that I provide proof ( signed contract ) that I signed up with another insurance company before she removes the claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Cypress Collections
State: CA

Complaint narrative:
In XXXX I had a medical bill from XXXX XXXX XXXX. I did not have the money to pay the debt at the time. I sent a cease of communications after talking to Cypress Collections. I spoke to XXXX then, who was very rude and would not work with me. On XXXX/XXXX/XXXX, I reached out to Cypress Collections and asked to speak to a Supervisor. I then waited briefly and spoke to XXXX who claimed she was a Supervisor. XXXX then stated she was a supervisor/ manager/co-owner who did not want to work with me and then kept interrupting me as I spoke and kept telling me ; '' no and it 's not going to happen. '' XXXX then disconnected the phone call without an cause or informing myself. I did pay {$50.00} to XXXX XXXX XXXX on XXXX/XXXX/XXXX and stated the following ; " to make a payment on the account as I know it 's past due. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a robo call from Capital One saying that my account was overdue because I missed a payment on my credit card. I had not used my credit card for over a year so I was confused. When I signed on to the online banking I had received a late fee and found that I had a new annual fee placed on my card that were not part of the original terms. I went through all of my communications and found that I was never notified that I was going to be charged an annual fee. There were also no documents in the online banking showing that an annual fee was going to be charged. I called Capital One and they could not confirm that I had received any communication regarding the change of terms and the new annual fee that I was being charged that also led to a late fee because I had no idea I was being charged the annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am currently disputing this account and transunion recently completed their investigation and deleted it of my report. I am waiting for XXXX and XXXX to finish their reinvestigation because the balance is incorrect. It has been deleted on all XXXX of my reports but XXXX and XXXX are not done with their investigation. 

Here is the full story : This collection agency company is very unprofessional and are scammers. They bought my old XXXX retail account when my account was closed because i was unemployed. My XXXX account was opened on XXXX XXXX, XXXX and closed on XXXX XXXX, XXXX. My credit limit was {$2700.00} dollars and my ending balance was {$2400.00} dollars. My last payment date through XXXX was in the amount of {$20.00} dollars on XXXX XXXX, XXXX. Midland bought this account XXXX XXXX and first reported it to the credit bureaus on XX/XX/XXXX. I received couple of calls from midland around XX/XX/XXXX when they purchased it informing me that they are now the new owners of this account and to set up a payment plan to prevent them from reporting it on my credit report but i couldnt do it because i was still unemployed. The charge off amount was {$2400.00} dollars. Fast forward to XXXX XXXX when i contacted Midland funding to try and settle this account and things became a nightmare. I asked them if i could pay the entire debt amount in exchange for a deletion and was informed that they do not do that which was find. At first, they offered me XXXX % and when i called for payment couple of days later i was told that the offer no longer existed and i must pay the full amount or set up payment to prevent a lawsuit. I asked them to send me a debt validation letter since I had moved out and have not received any letters from them. When I received the letter, it was very brief and they increased my balance up to {$2800.00} dollars. On the same letter which i still have, Midland funding stated that they have not charged me any interest since the charge off which is strange given the fact that the charge off amount was XXXX dollars. On the next couple of days, whenever i called I always speak to a different representative who tells me a different story. They would tell me how they have a offer for that day only and to make a payment and when i asked for a mail stating the new terms before i can make any payments, they become rude. I disputed the balance through their consumer department and when i spoke to someone in that department, she actually asked me to tell her my original balance. In other words, they illegally increased my balance and have no record of my original data. I have no problem paying for what i owned but i have a problem with how Midland funding is so dishonest and unprofessional. Their representatives need more training when it comes to dealing with the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
At some point XX/XX/XXXX or XX/XX/2016, I discovered that an item I had purchased had n't shown up. I decided to look into all my statements to find out if the item had been paid for. I decided to log onto the Capital One website and set up a login name and password. I did so and checked the statement. Everything seemed ok so I moved on. I had been receiving my statements in the mail for the past 21 years from Capital One and had always paid on time. I rarely use my credit cards and prefer to use my debit cards. I did however have my phone bill tied to the Capital One account in order to keep a little activity there. XX/XX/2016 I went to use the Cap One card and it was declined. I called Cap One and they told me I had an unpaid balance that was over 120 days late. I immediately paid the small balance and all the late fees right then and there. After several attempts to discuss the matter with someone over the next few weeks I had pieced together the fact that when I logged on the site XX/XX/XXXX or XX/XX/XXXX, I was automatically signed up for the paperless service. I did not know this at the time. I was told that there was a box that is checked by default and that I needed to uncheck it in order to not be automatically enrolled in the paperless service. I 'm not here to argue that the payments were not late because technically they were. I 'm here to argue the fact that because I was automatically switched over to paperless billing without my knowledge, I wound up missing 4 months of payments. I was never notified by mail or a phone call from Cap One. I now have to put off a new home for several years because I am dealing with a FICO score XXXX due to their automated paperless feature. I ca n't imagine that this is an isolated incident as I 've looked into it and have read about it happening to others. I find this to be very unfair for someone who 's always had excellent credit. I simply want my credit restored. Capital One has been unwilling to address the issue and remove the negative info. As for lost money, it 's going to cost me in the future over 1 ) much higher interest rates and 2 ) anticipated home appreciation ( XXXX County, CO : over XXXX % increase in 2016 ). One ca n't earn let alone save money fast enough here to keep up with the hosing market. I 'm guessing it 's a loss of over XXXX-XXXX on a 15 year loan due to increased interest rates since I 'm high risk. If I wait it out a year or two for my credit to improve slightly then XXXX-XXXX on one year 's anticipated appreciation of a XXXX home ( being conservative ), or another way to say it is that I 'll be potentially looking at a $ XXXX- $ XXXX home in two years that I could be buying now for $ XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have stuff on my report that does not belong to me, i go by XXXX not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 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: TN

Complaint narrative:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Conduent Incorporated
State: UT

Complaint narrative:
I 've had over {$1000.00} wrongfully charged my Utah Eppicard ( child support ). When I call any number and select any option, I can not get anyone on the phone! I have sat on their IVR for over an hour, each day this week! How can I dispute my transaction when no one answers!

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 2015-12-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I placed order on XXXX XXXX # XXXX. I received confirmation emails with tracking numbers, I tried to search for tracking info and the numbers received showed as incorrect with the shipping company. I contacted Kohls numerous times for tracking information and requested that the items be reshipped with delivery confirmation/signature required. I was notified that items were reshipped. I received another email shortly thereafter that the item was returned to sender as recipient refused. I never received the item, I contacted Kohls to find out where items were being shipped to, they confirmed a different address. I provided them with my current address on every single call I placed to them, upon order submission, upon tracking request and reshipment. Seems they do not update their files. I was assured my account would not be affected and that items missing would be reshipped, or I could cancel item. I opted to cancel the item since they tried to ship it twice and I was not receiving item since they kept sending it to the incorrect address. 

I have called repeatedly in the last few days and keep getting same run around with me having to provide them with my address, when I provide them with the current valid address I keep getting told that is the incorrect address and that they can not help me unless I provide them with the " old '' address. I do not know what shows on their system and it is not my responsibility to provide them with outdated/incorrect information. 

At this point, I want them to credit my account for items not received. I received an email informing me of such, however, when I check my account it shows nothing of sorts. 

I will not call back to be placed on hold for over XXXX minutes only to end being switched to unattended voice mails or have to submit email after email. I should n't have to continue calling and be forced to confirm whatever information they show in their system as I can not see or know what shows- I can only provide them with the information I KNOW to be my current and accurate.

Company response to consumer: Closed with explanation