vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I paid a credit card deposit of {$200.00} for a secured credit card. I closed the account due to the fees assessed to my account during my financial hardship. I received calls regarding my account, during my unemployment period. I was actively seeking employment, and once I found a job I called the company to see I could arrange for a settlement. Once I reached a representative, she stated to pay them off would be a total of {$170.00}, after my initial payment of {$25.00}. After making the payment of {$25.00} I received a statement stating my total balance that was greater than the {$170.00}, I then spoke with a representative earlier this week XXXX/XXXX/15, and was told that there is no settlement agreement on the account, and that to bring the account current I needed to pay, {$230.00}. Which is way more than my deposit, and I was told that my deposit was already used toward my balance, which makes no sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My XXXX credit cards issued by capital one was compromised and they replaced all XXXX cards accordingly. However, I am still being made to pay for the fraudulent charges made on the cards all the while they are saying an investigation is taking place there has never been a resolution to the investigation and yet I am still suffering from the overage as well as the restrictions of the card but have not used them. Not to mention its being reported to the XXXX credit agencies. They say I need to still pay and they reimburse but that does not make sense to make me the victim pay for them to reimburse when in fact they have not done anything in regards to this incident. I spoke with several people in the fraud department as well as collections to no avail. Everyone is looking into it but no resolution. Its been under investigation since XXXX and its now XXXX and nothing has changed except new cards with the same fraudulent balance transferred over to new cards. Please help bring resolution to this very awful ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My capital one credit card ( ending in XXXX ) statement balance was due on XXXX/XXXX/15. I paid on XXXX/XXXX/15 - 6 days late. Capital One is now reporting to the credit bureaus that I was 30 days late with the XXXX 2015 payment. This is cruel business practice. They refunded the late charge but refuse to adjust their reporting to the XXXX bureaus. I am applying for a mortgage and this is hurting my changes of obtaining one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was contacted my someone from capital one just as my o % promo period was ending, He told me that because i make more then the minimum monthly payments and as long as continue to make my payment on time that they were going to extend the o % promo to me as well as raise my credit limit. I was skeptical so afterwards i call customer support to confirm this and they informed me that i was good to go, As lone as i do n't do cash advance. 
Well not exactly i go paperless and i just reviewed my account on line and im being charged 23 % interest now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently was funded by Capital One through XXXX Financing for a new 2016 XXXX XXXX Motorcycle that I purchased on XXXX/XXXX/2016. A week later I get a letter in the mail from them with instruction on how to log in to my new credit card account, manage, and pay my monthly payments. Upon receiving this letter from them with a XXXX Financing card in the envelope, I realized that Capital One had financed the motorcycle for me by signing me up for a new credit card instead of with a loan. A week later, I check my credit score and find that I have now been hit with a XXXX point credit score loss because my credit card utilization rate is now awful because of this new credit card via Capital One. Nowhere during the financing process did the dealership or Capital One make it clear to me that I was being financed through a credit card instead of through a loan, and now because of this my credit score went from being great to being poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
Capital One has a rewards system on the card that I use with them. Because I am in an XXXX, I was not able to use my rewards feature. I asked them to change my Billing Address at the end of XXXX XXXX. In error they also changed my mailing address which caused me to never receive my billing statement. I noticed the absence of a Bill and signed up and logged into the online service on XXXX XXXX XXXX and noticed the issue. I immediately brought the account current and explained the situation to Capital One. Capital One has fixed my address and reversed the late fee but they never removed the discrepancy from my credit report to no fault of my own as they sent my billing statements to my home of record which all mail will be returned to them. They never called to inform of the problems they where having sending mail to my home of record. It is not my fault that I did n't pay when I never received a bill after they changed my mailing address in error so the late payment should not exist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has reported 30 days late on my credit report on XX/XX/2014, XX/XX/2014, and XX/XX/2014. This is incorrect as i had auto payments with them. It is not my fault that there automated system might had processed my payments late or posted them late.

Company response to consumer: Closed
Consumer complaint received 2016-11-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I do n't want to pay the balance on the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
i have XXXX hard inquiries on my credit report from XXXX company that i never applied for and im having a hard time getting these inquires as the credit bureaus are giving me a hard time about removing them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: EQUITY RESOURCES, INCORPORATED
State: PA

Complaint narrative:
The company put several ( XXXX ) hard hits on my credit and still refused me a loan. Since then, another company denied application because of the hits. Why did my credit get hit so many times?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have sent Capital One several letters but they have not replied to any of them. This is NOT my account! XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX XXXX. I recently put a fraud alert on my credit file. 

These are NOT my accounts. I feel that my ex- husband ( XXXX XXXX ) used my personal information to obtain money, credit, goods, loans, services, etc. He also shares my information with his current wife, XXXX XXXX. Please have XXXX REMOVE this account & their Tradeline from all XXXX major credit bureaus. Thanks you for helping me with these issues. This has been very stressing.

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

Complaint narrative:
Capital One sent me an email telling me they had unenrolled me from paperless statements when I missed a payment. A couple of days later, they sent me an email stating " Thanks for enrolling in paperless statements. '' I did not re-enroll in paperless statements. Enrollment in paperless statements requires consent for purposes of XXXX, which I did not provide. Accordingly, Capital One is violating XXXX by enrolling me without my consent. Further, TILA does not permit creditors to condition delivery of periodic statements on paperless enrollment. As such, failure to send a paper statement in the absence of XXXX consent constitutes a violation of TILA 's periodic statement rules. I believe this issue is not unique to my account, and it is likely that many consumers were enrolled in paperless without their consent and have not been receiving statements properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In regards to existing complaint/dispute # XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX sent me a response indicating they inherited this matter from another firm. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX ( " XXXX '' ) of which XXXX. received this from Capital One. I am looking for a resolution from Capital One or XXXX, by providing original application, signatures, customer agreement, etc.., as that would conclude this matter, because I am certain this debt was not made by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I applied for a business credit card with Capital One. Capital One ran my credit ( score of XXXX ; see attached ). I have a fraud alert on my credit report so Capital One was supposed to call me and ask me questions about my report to verify my identity. Capital One never called me at the number provided. I received a letter from Capital One dated XXXX XXXX ( attached ) stating that they were unable to reach me concerning the fraud alert. I wrote Capital One back ( attached ) informing them I never received a call from them and asking them to call me back. They never did as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a XXXX email account where much of my personal business was transacted. Since XXXX of this year, if not sooner, I started to received fraudulent, hacked alerts for accounts utilizing my social Security number, name, address stated I have accounts and out money On XXXX/XXXX/2016 also have an inquiry from Capital One Bank. I have had this problem before and would like this inquiry removed from my consumer credit report as part of this anti-ID theft action I an taking to protect myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I fell behind on my mortgage payments in XXXX due to injury/hospitalizations. In XXXX of XXXX I re-entered a XXXX hospital for over one month. Upon my return on XXXX XXXX, XXXX, I received a notification, via regular USPS mail, from an attorney stating my house is listed in a foreclosure sale on XXXX XXXX, XXXX. I received ABSOLUTELY NO OTHER MAIL, either regular or certified, prior to this notice! I spoke with XXXX different people at Wells Fargo Home Mortgage on XXXX/XXXX/XXXX for over 35 minutes and still have no answers. A full mortgage payment was mailed to Wells Fargo Home Mortgage on XXXX XXXX, XXXX. I went through over 18 months of this with Wells Fargo in XXXX. Finally, after dealing with at least XXXX different people and submitting the same information over and over, my loan was " modified '', raising both my payment and interest rate!!. Once again, I am dealing with an unbelievable issue again! How does my house get on the auction block without ANY notification at all from Wells Fargo Home Mortgage?!? No phone calls, no mail of ANY KIND! This is another outrage, XXXX The recent XXXX. I filed a complaint to the XXXX in XXXX, which was forwarded to the CFPB. I am now looking at filing a suit against Wells Fargo Home Mortgage for this current outrageous action! They have absolutely no proof that they sent me any " warning '' correspondence of impending foreclosure action. Once again, I have to deal with the incompetence of Wells Fargo and their lack of explanation. The stress they caused me in XXXX XXXX and here I am again, facing XXXX. Again, I need answers and help NOW.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I have reviewed my credit report and I have found XXXX Security Finance on my repost for {$1300.00}. I when thru Bankruptcy in XXXX 2013 and this should be included in my BK, I have ask the lender several times to delete the other account and nothing has been done. the account # XXXX open date XXXX and the other XXXX is account # XXXX open date of XXXX and XXXX. I do recall refinancing the loan a couple of times but I did n't have XXXX loans at the same time. Security Finance XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Account Discovery Systems, LLC
State: WI

Complaint narrative:
Account Discovery Systems had called my employer after I specifically requested them not to. I work for a XXXX and not only did they contact the XXXX I work at but the XXXX district! I am mortified as I am attempting to get a full time XXXX there next year ( I am an XXXX now ) .This has made me look really bad. They have sent several calls to my husband as well as his mother and father who have nothing to do with my personal debt. Now they know and call me asking why creditors are calling them! I feel harassed. I told them I would pay them when I have money but I do n't right now. They have even threatened to have me sign a form that they will give to my employer to garnish my wagesI did n't even know this was legally possibly unless thy pursued a court case against me which they have not.I ca n't sleep at night because of the XXXX of having to come up with the money to pay them so they can quit harassing me. All I want is for them to stop violating my privacy and calling my employer and my husband and his family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
XXXX, XXXX Iowa Sheriff The XXXX Clerk of Court of Iowa, XXXX Assessor of Iowa, XXXX XXXX Law Firm, XXXX and Wells Fargo unlawfully foreclosed and let someone purchase my home. Also VA employees, Wells Fargo employees who were involved in deceptive practices. I used XXXX to complain through the VA and the XXXX XXXX XXXX loan center got my VA loan entitlement back after the documentation and phone calls I have provided. XXXX owes me XXXX for doing this. Wells Fargo owes me XXXX for what was owed on the house. Clerk of court of Iowa owes me XXXX. XXXX Sheriff owes me over XXXX for the merchandise they threw away when they forced me to move due to a writ of removal that should n't have happened. Would like the XXXX Sheriff to pay my moving truck costs and storage unit costs of about {$1000.00} dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I was a long time customer of Wachovia and in 2015 a Wells Fargo CSR tricked me out of my seniority checking account With all it 's benefits and switched me and my husband to a Wells Fargo checking account. I lost all my privileges that l Had with my Wachovia account. It happened in XXXX, Pennsylvania branch. I was not happy and closed my the Account and opened a new account at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I had a merchant account with Wells Fargo. My account was closed and I was told the funds would have to sit in the account for six months before my money would be released. I waited six months and Wells Fargo is still holding my money, everytime I call they say I have to speak to someone name XXXX but he does n't return my calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, I have filed a complaint with Wells Fargo on XXXX XXXX about my checking account.They told me they will answer me within 5 days and they never did. I have made multiple calls and none of them gave me a decent answer. What happened was that I got charged twice at the university for my tuition, so Wells Fargo refunded my money. The university for some reason gave me extra money on that matter, but I had to pay them back. On XXXX XXXX, XXXX University deposited {$410.00} in my checking account and that is the money I have to pay them back. It is included on my tuition and i have proofs. On XXXX XXXX, Wells Fargo took {$410.00} out of my checking account. I have filed a complaint and worked with a banker in town and have not solved the problem. I have reached out to the Vice-president of the Business Office of XXXX University regarding that matter. She told me she has contacted Wells Fargo and still has no answer. I am very upset with the situation and have tried everything I can. I have contacted the FDIC and they preferred me to you. 
I 'm looking forward to hearing from you. 
Sincerely, XXXX XXXX

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 2015-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I now have a negative balance of over {$200.00} a check was posted to my account for {$86.00} Wells Fargo then decided to charge an overdraft fee for a {$7.00} debt which set in a charge of {$35.00} of which set my {$86.00} into a negative of which they charged a {$35.00} fee for that then they reversed my check of which set off yet another {$35.00} overdraft charge I am annoyed with these fraudulent charges and practices

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is our XXXX year that we 've had our home mortgage with Wells Fargo. When we refinanced our mortgage it was with XXXX Mortgage who then sold our mortgage to Wells Fargo. Last year, they increased our Escrow payment by {$16.00} because ( through miscommunication they had n't factored in our Hazard Insurance. We were fine with the increase since originally XXXX thought we would pay our Hazard Insurance, but then at settlement it was decided it would be par of the Escrow. The paperwork was never changed to reflect the additional funds. This year, Wells fargo is trying to increase our Escrow payment again. They attempted to claim they did n't know about the Hazard Insurance. But since they paid it last year, and increased our monthly payments, we did n't agree with the increase. Then they claimed RESPA requires, by law, that the bank keep a two-month cushion in our escrow account. Wells Fargo has enough money to pay all our taxes, but they only have a XXXX month cushion after all XX/XX/XXXX taxes are paid in XXXX. The next tax is n't due until XX/XX/XXXX. I explained that RESPA does not require, by law, that there be a XXXX cushion. The XXXX cushion is strictly bank policy. I finally got Wells Fargo to agree that it is NOT the law, but they wo n't budge on the XXXX cushion even though there is enough money in Escrow to pay the taxes. We ca n't afford the additional increase. While we always pay our mortgage on time, we live very close to our budget and never spend extra money. It is sometimes tough to meet the demands of our mortgage payments, but we continue to pay on time. An increase in monthly payments might make it even more difficult to set money aside for our mortgage, especially when it is not necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation