vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I wanted to share a complaint I have made to the CEO of Capital One. I have a XXXX Platinum that I am fighting to have fraudulent charges removed from my account and wanted to make you aware that clearly even though they are backed XXXX, they do not employ zero fraud liability. I 'm being held responsible for 90 days for these charges. Feel free to contact me further to discuss this matter. 
Hello XXXX XXXX, I wanted to bring an important matter to your attention about XXXX of my XXXX capital one cards. On XXXX XXXX, 2015 my car was broken into and I immediately reported my XXXX card stolen. At the time of my call, XXXX charges had been fraudulently made. XXXX charges were made at the same location, XXXX XXXX in the amounts of {$200.00} and {$210.00}. The representative said that the charges would be credited to my account within XXXX hours and new cards would be issued. 
On XXXX XXXX, XXXX charges posted to my account. I placed a call back and spoke to a Fraud specialist. She stated to me that the reason the charges posted were because at the time I called they were " pending ''. During that same phone call, I also gave the police report number as well as the phone numbers to the police station and burglary department. She then issued a credit for XXXX charges which cleared my account quickly on XXXX/XXXX/15. 
On XXXX XXXX, I got an email stating that my account was over the limit by {$7.00}. I was puzzled because the limit for that card is {$1000.00} and at the time of the email only had a balance of {$460.00}. Earlier that morning I used the XXXX to pay my XXXX bill which was only {$130.00} which should have left me with an available balance of {$400.00}. So my husband called customer service and was connected with a Fraud Supervisor. The supervisor indicated that yes we were over our limit because the charges we had reported fraudulent were frozen to our account for 90 days until the investigation could be completed. So my question to you is, how does your company declare ZERO fraud liability when we are still being held responsible for these charges we did n't make? 
My husband and I have XXXX lines of credit totally to {$3800.00} and have nearly perfect payment history with Capital One. After going through this process, it 's clear to us that customer loyalty means nothing and so once this investigation is resolved we will be closing all XXXX of our accounts and taking our business elsewhere. I will also be filing this same complaint with the FTC and Attorney General as well as with XXXX. 
I 'm happy to discuss this with your or one of your associates further if you wish. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have been sued by small claims court in Alabama by XXXX XXXX who bought the Capital One Credit Card. The Capital One credit card was opened XX/XX/XXXX and was closed XX/XX/XXXX. XXXX XXXX XXXX, XXXX served me with papers to respond to the summons. I researched and see Alabama has a statue of Limitations of 3 years. I have never heard of these people until I got this. How do even know that they have the purchasers agreement that was agreed on. I tried to look on my credit report to find out but there is nothing on there showing this debt now. I fell under hard times my husband became ill and almost died we only had what little income I was making and sadly it is the same now. Not sure what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
capital one credit card is claiming i owe over {$2400.00} on a account i never opened.i looked into identity theft and found out capital one is the one commiting fraud.i asked in writing for the application and transactions for the account.they only sent me a bad copy of an application.that i had filled out for an old account that was discharged in bankruptcy a year before this account was supposedly opened in 2011.i can tell because the house hold income is to low at {$47.00}. i checked my tax return, is should be XXXX.why would i lower my income if i was trying to get a card? and i would n't of gotten such a high credit line one year after claiming bankruptcy.my wife accidently made a {$90.00} payment while i was out of town thinking i forgot to make a payment.that is the only payment i made.and they say that proves its my account.they refuse to send me old applications from the 2 closed accounts to see if they match this one.they have also sent 2 letters from the fraud department claiming the debt is mine.but i noticed they gave 2 different account numbers. **************** and ****************

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Without Notice including but not limited to email ( s ), a AGENT from CAPITAL ONE BANK credit Card Dept. Closed the Capital One " XXXX '' Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CapitalOne charged me {$35.00} Late fee for making a payment that was {$2.00} short. 
They are being very insensitive and for almost a year they have refuse to issue or allow me to select a PIN to use at the ATM Branch to make Payments to my account after Banking hours at XXXX! All credit card companies issue or allow their customers to choose a PIN to have access to ATM 's in order to process payments. This selective method of payment is a Violation!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I applied for a loan on XX/XX/XXXX, with my credit union. When I asked for status I was told I was denied partly due to a " Charged Off '' account. My credit union had used XXXX as their credit reporting agency for my score and also my credit history. On XX/XX/XXXX I had received confirmation from XXXX that my credit information had been updated on this matter. My account in question had been paid in full, I did not take a settlement offer and paid the whole amount that was due on the account. When I had checked the other XXXX credit reporting sites this information had not been updated on my account. Upon reading information on XXXX website I found this statement, " If information in your credit report is changed by your lender as a result of a dispute, federal law requires the lender to notify any other consumer reporting company to which it reported the information. So if it is reported on all XXXX credit reports, it should be updated on all XXXX credit reports ''. Because this was not done, As of today XX/XX/XXXX have initiated disputes with XXXX and XXXX. Therefore, by submitting this complaint I have high hopes that this issue will be resolved so that other consumers will not have to go through this same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Debt is n't mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This has been placed on my Credit report and represents an account that has nothing to do with me or anyone I am responsible. 


CREDIT COLLECTION SERVIC reported a new account on your XXXX Credit Report.XX/XX/2016 Alert Date XX/XX/XXXX Source XXXX Company CREDIT COLLECTION SERVIC Opened Date N/A Balance {$280.00} Balance Date N/A Phone N/A Address XXXX XXXX XXXX XXXX, MA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XXXX/XXXX/XXXX I gave permission for Capital One Auto Finance to run my credit. I recently obtained my yearly credit report and i noticed that they ran my credit again on XXXX/XXXX/XXXX resulting in a hard inquiry on my credit report on all the major credit bureau XXXX, XXXX and XXXX resulting a drop of my score. I have no idea why they ran my credit again. I contacted them to ask why did they run my credit and that i never gave them permission and to please remove it. They stated that I need to take my name off a general pre-approval list. I have no idea what pre-approved list they are speaking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
Received a loan from XXXX XXXX and the harrasments and calling of references on a constant due to late payment is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted my credit card company ( Cap One ) to report fraud. It was n't until I let them know I knew about the CFPB to report a complaint that they finally addressed my concern. However, I received a rebel for the exact reason for which I filed a complaint. I received a message from someone in their dispute resolution team and after XXXX messages/phone calls I have yet to receive any explanation or assistance from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I had a credit card through USAA, it was an XXXX XXXX card. I have always paid the credit on time and usually pay more than the minimum balance, so they have a minimum payment of {$00.00} due each month. XX/XX/2016 they put a minimum payment due of {$15.00}, of which I was not aware of because I have not had a minimum payment due in over a year and beyond. On XXXX XXXX, I got a phone call from a USAA collection agent requesting me to pay the over due balance. I paid the balance in full and requested them to reverse the 60 day late payment on my credit report. They refused to reverse the derogatory item from my credit report. I have not had a minimum payment due on this credit card for a very long time, so, I never thought they would install a {$15.00} minimum due. Therefore, I do n't feel this is a fair way to treat a consumer who has always paid this credit card on time. I want to file a complaint on how USAA 's no minimum payment due for many months / years and to instill a minimum due without alerting the consumer is not fair treatment. This {$15.00} minimum due that is 60 days late will now greatly impact my credit score, again which is not fair to me the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX has purchased from HSBC credit card account that was paid through our using XXXX XXXX XXXX. The collection company FAILED to follow the Federal Law, and is Reporting the Collection as a NEW collection. Additionally, as the attached letter of payment submittal indicates HSBC was sent funds agreed to to settle the debt, and then sent the debt to XXXX who failed to notify or to confirm the debt in the Required time allowed by law. 
In addition, they are transmitting the collection as if it just took place in 2014, and listing the collection multiple times as well. I have notified them via certified mailing, as well as I have disputed this with the Credit Reporting Agencies, that are also in violation and should be notified by the CFPB of their improper handling ( as per Federal Laws ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Never requested this inquiry. Dont even know what it is

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My husband and I were contacted by Capital One around the XXXX of XXXX XXXX about refinancing the mortgage on our condo, which we bought in XXXX. During the initial interview with the Capital One representative, I shared our adjusted gross income numbers from our XXXX and XXXX tax returns. The company contact pulled our credit report and told us, based on our XXXX and credit scores and likely appraised value of our condo, that we would qualify. Over the next seven weeks, we diligently supplied them with all the documentation they requested, even though they frequently " misplaced '' our documents and mis-communicated their requirements. Today, we were informed by our contact there that we did not qualify for refinancing due to our income levels. These were the same income amounts I shared with him during our initial call. He apologized and said, yes, " if the bank had better had better systems, we would have known earlier that your income would not have qualified. '' We spent numerous hours collecting information for them as well as {$60.00} for to our condo management association for the insurance certificate. I am still mystified as to why we did not qualify as our credit situation as not changed and our income has risen since we qualified for our initial loan in XXXX. Based on the appraisal, our condo has increased in value by {$120000.00}. It is apparent to me that Capital One does not have the systems in place nor adequate hiring and training to be in the lending business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
informed this company to cease all collection calls and communicate thru US mail

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

Complaint narrative:
A few months ago, I file a complaint against Capital One Credit Card regarding XXXX fraud alert letters I received from its Fraud Department. 
I had been instructed to send a copy of a state identification card, social security card and proof of street address. Before sending the same, I verified the validity of the three letters. On XXXX XXXX, 2016, I faxed the requested document to the number provided by Capital One. To date, the company still claims that it has not received the same. I, in turn, notified all XXXX major credit bureaus regarding the fraud alert. I received a reply for XXXX which stated Capital One had frozen all XXXX accounts because I had exceeded my limit on XXXX and failed to make the XXXX XXXX payment on time. As a result, my credit score was dropped to XXXX. When I contacted Capital One, I told the Fraud Department representative that based on the letters from CO, the accounts were frozen because of alleged fraud. As well, I had to verify my identification with CO, yet, it allowed someone to open a XXXX account under the pretext that the person was me. 
Last week, I contacted CO about a payment on XXXX of the legitimate accounts and I was reprimanded for failing to provide requested documents verifying my ID. I explained to the representative that I failed to understand how CO protect my identity when it allowed someone to open a XXXX card. 
I was told that the account had been closed and removed from my credit report. 
CO never notified me of the same, nor, as it claims, was CO able to verify identity. I never received any notice ( letter, email, or telephone ) clearing the Journey account and I need to know what CO is doing to resolve this matter. As present, CO is damaging my ability to apply for credit or a loan. I need CO to resolve this matter quickly and amicably. 
As for the purported late payment, I obtained a receipt from my bank indicating that the payment was paid on time on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I 've had the worst customer experience in completing a refinance on my home from CapitalOne, TWICE. The first time around the loan officer completely dropped the ball and did not answer any of the questions related to my loan and as a result it was closed. No one ever contacted me to inform me that the process had been terminated and I only found out when I called to get a status update. After complaining and escalating the issue to a manager, I was assured that I would be placed with a more " seasoned '' mortgage consultant who would ensure that all my concerns were addressed and help me to close on my loan. I was required to reapply again and the process went smoothly until my new loan officer failed to return every single phone call and email I made to request a status update on my loan. At this present moment I have no idea what is going on with the process and both the loan officer, her assistant and manager are unable to be contacted! The customer service at Capital One is awful! Its ridiculous that after I 've shared tons of private and financial information I can not get even XXXX response!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
Company threatend to go to court house and send a bench wareant out for my arrest the company threatend to put my relatives and named by there names on the court order as witnesses

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Since XXXX 2015, I have been suffering financial hardship resulting from a severe medical condition. Because I have a past due balance on a closed credit card account with USAA Federal Saving Bank ( FSB ), USAA FSB has restricted access to all my accounts ( i.e., banking, credit card, and insurance ) online. I have not been able to get any of my statements electronically since XXXX 2015. Neither can I make any payments. Despite this, USAA FSB continues to send me email notifications that my account statements are available online and does not mail me any statements. When I called USAA FSB to request my deposit account statements, I was told I would have to pay a fee of {$10.00} for each statement. The representative agreed to mail the XXXX 2015 bank statements for my XXXX deposit accounts and waived the fee, but told me I would have to call back Monday for the XXXX statements. 

How am I supposed to monitor my bank account activity or know how much I owe or even determine how much I might be able to pay USAA FSB if I do not receive my statements? I am attaching a copy of emails, along with screenshots of my attempts to log in to get the account statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Took mortgage from LoanDepot XXXX XXXX XXXX : XXXX ). Made first payment on XXXX, 2016. Then got the letter that the mortgage account was sold to XXXX XXXX XXXX XXXX : XXXX ). When I called LoanDepot, they said they wired the first payment amount to XXXX Bank after a month XXXX XXXX XXXX ). Contacted the XXXX Bank and they say they have n't received the amount. XXXX Bank issues another notification to me that I still have to pay the amount. 
Highly frustrated with both LoanDepot and XXXX Bank transactions. Both parties say they completed the transaction properly. Not sure where the issue is but being a customer I had to pay XXXX loan payments in one month and also could n't get the benefit of paying off a payment before 2016 yearend.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: We Collect Inc
State: OR

Complaint narrative:
This debt was discharged in a Chapter XXXX bankruptcy and the original creditor -- XXXX XXXX reports I do not owe them anything. This still shows as an open collection on my credit even after bankruptcy. 
Please contact XXXX at XXXX XXXX for verification. 
I do n't owe this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation