vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: IA

Complaint narrative:
I opened a loan with CNAC AKA JD BYRIDER in XXXX IA XXXX XXXX, 2012. On multiple occasions CNAC charged a card that I did not authorize to be saved and without my consent. I filed a complaint with the card issuer and the funds were reversed. However my former wife and I then became divorced. As we were going thru separation they began to call her and probe into our personal matters. Between the fraud and over extension of their rights, and empty threats I decided to take the loss and allow them to repossess the car. Now years later I have cleaned up my credit tremendously. However, CNAC continues to report untruthful information to the credit report agencies regarding the length of the loan, the balance due, and the overall terms. Every time I ask for a copy of the contract they tell me that they do not have to provide it because they believe my dispute is " frivolous ''. I simply want a copy of my original contract so that I can 1. Properly dispute the account. 2. Possibly begin legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was paying this card on time each month and the balance increased and I had a freeze on account and I have no idea how that occurred then each time I would call to resolve the issue so that I can continue to make payment on time because I was fixing my credit score now it 's a negative item on my report that 's affecting me.

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

Complaint narrative:
The basis for my dispute is that CAPONE was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing ... that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation that they complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC
State: WI

Complaint narrative:
MiraMed Revenue Group has called me over and over again for the last 60 days - but I paid the bill directly to XXXX ( the original company who invoiced me ) on XXXX/XXXX/2016 and have confirmed that directly with them. 

MiraMed called on XXXX/XXXX/2016. I returned the call on XXXX/XXXX/2016 at XXXX and informed them that the bill had been paid and that they were pursuing the debt collection erroneously. I provided receipt information and asked that they never call me again. 

MiraMed call me again, despite being told not to ever call again, on XXXX/XXXX/2016 at XXXX. Again, I informed them that the bill had been paid and to never call me again. Mid-sentence, the operator hung up on me. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I did not answer the call. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I did not answer the call. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I answered the call and told them for the 3rd time that the bill had been paid and to stop calling me. I told them that I would report them to the FTC and said to never call me again. The operator continued to push me to make a payment and I refused. The operator then hung up on me. 

MiraMed has harassed me over a debt that should never have been in collection in the first place. They 've called me a total of 6 times - or 5 times after being notified to never contact me again. I 've communicated with them multiple times to stop calling. I contacted the original vendor and asked them to make sure I was removed from collection, as well, and they 've indicated that I should have been removed. MiraMed continues to call on a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I cancelled my auto policy with XXXX using the form sent to me by the current insurance company ( by fax ) three months later I received a collection letter from a collections agency I sent them documentation of my current insurance and the effective date, however, I took the first step to try and resolve the issue with XXXX XXXX and they refuse to correct the issue stating they did not receive the fax. After my fail attempt with XXXX XXXX XXXX I tried to communicate with the collection agency and they sent me a second letter demanding payment. I told them that this is double insurance and I should not have to pay but the was of no interest to them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had a dispute with a merchant XXXX XXXX XXXX and asked them to stop charging my credit card I had on file as they do not have a way for me to cancel my credit card on their website. I called and advised I do not want their services and to stop automatically billing my master card. They said the would take care of it when I called but said they would not provide me with any confirmation coded as they do n't do that, just an internal note on my account. To make sure my card would not get billed again I canceled that card and was issued a new card number from capital one. As soon as I activated the card this merchant XXXX XXXX XXXX got my new card number without me giving it them and billed my new card. I call capital one and was told they did not give out the information and that master card provided them with the new information. I had to completely close my credit card account. I was not aware anyone can obtain new credit card numbers without the customers connect. I should have the right to stop a billing of a merchant on a credit card if that is what I choose and master card should not have the authority to provide my new car numbers without my authorization. Having to close my account has caused harm to me by hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I maintained an account with Capital One 360, an online bank. On or around XX/XX/2016 they informed me that they were closing my account and would be mailing me a check for the funds remaining in the account within 10 business days. I have called them once a week since then or approximately 10 times and the funds are still sitting in my frozen account with no indication when they will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a call, yesterday, from a representative, XXXX, from Capital One Auto Finance. She proceeded to ask personal information so I could verify the account. I am currently awaiting the title on a loan payoff and my ex husband has been trying to get information. After I verified the information, as my account has a block on it since XXXX XXXX, 2015, I asked if my ex has been trying to get information. At that time, XXXX informed me that my ex, XXXX XXXX, was on the line with us. I was furious that this representative had allowed my personal information and block information to be available to XXXX XXXX. I ended the call and proceeded to call COAF and request to speak with a manager. After nearly an hour of waiting, and several calls ( after being disconnected ), I was able to speak with XXXX, a representative in the " President 's Office '' department. She was apologetic, after reading file where clearly states that XXXX XXXX is to be blocked from any and all information. She said she would listen to call and get back to me. XXXX called at the time she promised. She was upset that the representative had done exactly as I had said. She also listened to a few of prior calls, starting with call on XXXX/XXXX/15 where I put the block on the account. She noted that XXXX XXXX had tried several times to gain information and was denied. She was unsure why XXXX had given the information out. 
I was extremely agitated and full of anxiety. There is a history of violence with XXXX XXXX and my information was private for a reason. 
I obtained the information to write a letter, XXXX XXXX, President, at above referenced address. 
The representatives I spoke with are XXXX-ID # XXXX, XXXX, ID # XXXX, and XXXX, ID # XXXX. 
It was necessary for me to contact my medical doctor for instructions on medication to calm me down. I am, still, this morning, quite anxious and in fear. 
I have filed this complaint with the FDIC and I will take further action in contacting NJ Division of Banking and Insurance ( XXXX ) and an attorney. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One is processing a mortgage application for a condominium and demanding a totally irrational level of XXXX insurance. The association master policy provides cover for unit interior to original plans and specs. The master policy excludes improvements and betterments, which the XXXX policy should cover. The unit being purchased has no improvements and betterments ; it is the unit as conveyed to the original purchaser by the developer. Capital One 's requirement for {$290000.00} of XXXX coverage is completely baseless because there is not property of even a fraction of that value to insure. It is more than three times the coverage I would purchase that would include the value of personal property. Appropriate coverage would cost me about {$500.00} per year, not $ XXXX {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited a check into my Capital One 360 account. I called to ask if a portion of the funds could be released due to an emergency. They said no. I spoke with someone in Escalations and she said that she was the highest manager. So, now I am filing a complaint. I think it is ridiculous that they refuse to call the number on the check to verify the check so that they could release a portion of the funds. I feel that it is ridiculous that they will not release anything and that is n't right at all to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Please DO NOT close my complaint # XXXX. Capital One is still sending texts to my mobile phone and they will not stop. The account they are referring to is not mine. There is not a way for me to add a comment to my complaint so I an opening a new XXXX. I have been trying to resolve this with Capital One for months. They will not stop texting my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/XXXX I purchased merchandise from Furniture Row in XXXX Colorado. At that time I was told that I would not receive my merchandise until XX/XX/XXXX. I then got the couches delivered XX/XX/XXXX. I then get a bill in the mail in XX/XX/XXXX stating that the payment was due on the XX/XX/XXXX, and I noticed that they were hitting me for late charges as well as a past due amount. I called XXXX and tried to figure out what was going on. They told me that I was 60 days past due!! I asked them why I never received a bill, and they told me that I was set up for paperless ( I did not agree, nor did I ever set this up ). They then told me that they sent out emails to let me know. I asked them what email they had on file and it was a email address for my ex wife. They then fixed the email address, and took off the late charges. I paid the amount owed for the bill, and was told that I could dispute the hits on my credit. when I called them to do so, they told me that there was nothing they could do for me, and told me that because I never paid on time they would not take the hits off my credit. I was never notified of a bill until XX/XX/XXXX, and this was after I received the merchandise. They had me set up for paperless, without me knowing, and were sending to an email that I never even had. This has dropped my credit score XXXX points in 30 days and I need help getting this off my credit. If the process was done the right way I would have had no problem paying in XX/XX/XXXX, as well as XX/XX/XXXX even though I did not have my couches. This process was dropped by XXXX as well as Furniture Row, and now I am the victim of false reporting, and billing practices. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I called capital one concerning a payment that I would be late on. I was told that everything would be fine and not to worry about anything. I made the payment seven days later and according to the conversation I had with the representative online, the fee was waived and my minim payment would not change. I checked online once the new billing cycle was out and I noticed my minimum payment has risen from XXXX to XXXX for XXXX card and XXXX to XXXX for the other. I contacted the online chat and was told to call into Capital One. I called in and was told that there was no record of this conversation and someone laughed in my face. I was continuously told that I was late and delinquent. I explained that although the payment was late, i paid the required amount and I was told the late fee was waived and my minimum payment would not change. I also spoke to management who stated again how late I was. I paid the required and i understood what makes my minimum payment and it did not equal to XXXX or XXXX. I would like to pay my required minimum payment and nothing more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I have sent Capital One several requests for validation and investigation regarding XXXX accounts listed on my credit report. I first reported them as fraud but Capital One said they had limited information. I 'm not sure how else to say it 's not me!!!. I asked for validation and investigation including my original signature and they keep sending letters that say they need more information. The letter Capitol one sends only has the last XXXX numbers in an account showing- the accounts listed on my credit report do n't show the last XXXX numbers. There is no way to match them. I sent 3 request to the credit reporting bureaus and they can not validate the accounts either, Capital one needs to delete me from their system they have had more than 3 months and multiple requests to provide complete and accurate information and they have not done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One Credit Card has continuously denied my requests for a credit limit increase, even though I have great payment history with the card. I submitted a previous complaint last year ( XXXX ), after they denied my requests for 1.5 to 2 years. THe last denial reason I received was that my average monthly payment was too low, but my monthly payment has averaged $ XXXX/month. I typically send $ XXXX- {$100.00} a month to cover y payment. I feel Capital One is being misleading to its customers. I opened this account to help rebuild my credit, but if you do not allow limit increases, how is that possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called Capital One on XXXX to try to resolve an old charged off account. The account has a balance of {$4300.00} and I spoke with a representative that offered me a " Paid in Full '' Settlement for {$2700.00} to which I agreed. Capital One emailed me a settlement offer letter. I called back with a follow up question an hour later, and the representative informed me that Capital one was withdrawing the offer because I had been issued a XXXX for this debt in 2014. I would like to resolve this account for a paid in full {$0.00} balance to be reported to the credit bureaus. I have the ability to pay, but Capital One says that this debt is now uncollectable and forgiven. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capitol One ( herein after " CP '' ) has a practice where upon approval, use and after one or two payments of its initial credit card, it immediately issues the consumer a XXXX CP credit card to use at their own discretion. 
After use of the XXXX card ( in using XXXX cards ), CP sends statements as if for XXXX cards but the statement information shown is for only XXXX of the cards. Also, paying on-line through the internet : CP applies the payments to only XXXX of the cards leaving the XXXX card to appear as if it is delinquent thereby escalating fees -- late charges, over the credit limit, interest where all this is rolled into and compounds the monthly payment. 
Upon my pointing-out this practice to Capitol One, noticing the payment without a logical explanation, leaped from about under {$100.00} to over {$300.00} ( XXXX dollars ) within one month, CP refunded/deducted the {$300.00} dollar fees but reverted to this practice with my cards about a couple of months later. This included on-line payments when in the confirmation page is flashed quickly but non accessible having no printable confirmation. It even appeared and still does, that my card had been compromised by fraudulent charges. There was nothing to explain these high payments due when payments and calls were being made to the company timely consistently. In addition, about the second time I called about this CP practice, it said that a payment had been returned in XX/XX/XXXX for NFS, and not resolved which would not be the case when payments are made each month on line or called-in by phone. CP continued to try and attempt saying two months of payments were not made on XXXX of the cards. Payments were made on-line timely and directly from my automatic payment from my bank. I believe the alleged two months of " missed-payments '' is in retaliation for my first showing to CP its fraudulent practice ongoing since then. As of XX/XX/2016, upon getting no resolution, making them aware and letting them know that further action would be taken for CP continually misappling my payments for the purpose of increasing fees and interests. CP by its fraudulent practice has in attempts to increase collecting fees and interest and in retaliation has attempted to impact my credit score, if it has not already done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
There was a huge rush at the end to prepare my documents and the HUD statement kept going back and forth because the Caliber Team XXXX XXXX XXXX XXXX could n't get it right. They finally said they got it right and I thought I had just had the most wonderful experience ever. 

I found several months later that they dropped for the final HUD the XXXX HOA fees that were part of the estimates and part of the first several HUD statements as we moved towards loan closure. In the back and forth Caliber obviously dropped the HOA fees, but when I started calling to find out why they HOA was past due and not paid the troubles started. 

Caliber Customer Service told me I had to call their own company and figure this out. They refused to. After that enraged me at such poor and troubling customer service, a manager finally said I will do this out of the goodness of my own heart. No that is n't a good message to deliver to a customer. So I tried calling the mortgage broker and left messages until I got XXXX team. Only to be told they did n't do anything wrong but they would look at this to see what they could do to help me! 

Again not the right type of message to give a customer. XXXX only made matters worse when she did return my call she went directly to : We provided everything in the HUD statement and you signed it. Not anything like we might have made a mistake, let 's find out. The arrogance and lack of humility has been in every statement from XXXX since. Calm down XXXX and do n't get upset ; you signed the HUD statement and if you did n't catch it then it was n't wrong. Not one word in her text or emails have been ; let 's see what might have happened. I have all of the original HUD Statements showing the fees covered, so what am I to think but Caliber made a mistake. To add the arrogance of not even indicating let us help to find if XXXX was made or not ; No Caliber is n't the type of company you want to work with.

Company response to consumer: Closed with explanation