vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One has inaccurately reported the following months late on my credit reports. 
XXXX reported XX/XX/XXXX and XX/XX/XXXX. 
XXXX reported XX/XX/XXXX and XX/XX/XXXXXXXX reported XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I just signed up for XXXX and XXXX monitoring. On my MyFico XXXX report I just pulled, dated XXXX/XXXX/16, which I have attached to this complaint, this account is listed as:XXXX. Reviewing my XXXX report, it matches to CCS Collections. This account is listed on my XXXX credit report. 

I never received a letter in the mail that I was responsible for this debt. If I had received one, I would have paid it so it would have not appeared on my credit report. 

Please remove this account from my XXXX credit report due to the fact that I never received a letter allowing me to dispute the validity of the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I requested a transfer of a balance from Capital One XXXX. The transfer went through on XXXX/XXXX/15 so I now have a $ XXXX balance on XXXX XXXX XXXX. However, the transfer has n't gone through yet on Capital One so I still have that balance on that card, too. Therefore, I am being charged finance charges on XXXX cards. Seems like a game the credit card companies play to make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account was closed on XXXX/XXXX/08 want to be removed from my credit it 's already more than 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Ballybunion Enterprises, Inc
State: VA

Complaint narrative:
This company is a fraud and they steal customers money out of customers account bank account or debit card information. If the customers does not pay they threaten to take legal actions or garnishments on their accounts. The company will go in a customers account without their permission and steal money causing you fees over draft fees or you not to be able to pay other bills because they went in your account with out your permission

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One refuses to give me a lower Annual Percentage Rate on the interest on my credit card account which is currently at above 22 %. I have been a very good customer, made all my payments on time for one year, and will continue to make on time payments in good faith. I strongly feel that I am being treated unfairly due to a particular charateristic in my profile. When I initially made the request with a customer service representative over the phone, it took them less than 5 seconds to basically say no to my kind request, which leads me to believe that they are not truly giving customers fair treatment, and whatever criteria they are using to make these decisions is discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The following transaction have been recharged to my account even though i already disputed them with capital one. i am a senior citizen and dont appreciate capital one not honoring my request to have these charges refunded. I got scammed, ripped off, and never received anything for my money. 
On card ending in XXXX on XXXX/XXXX/2016 a rebill for {$750.00} and on XXXX/XXXX/2016 for {$120.00} On card ending in XXXX on XXXX/XXXX/2016 a rebill for {$2500.00}, on XXXX/XXXX/2016 a rebill for {$4000.00} and on XXXX/XXXX/2016 a rebill for $ XXXX.for a TOTAL OF {$8200.00}. 
I want capital one to honor my disputes please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One has intimidated and harasses me and are trying to extort over $ XXXXCapital One was informed I was in bankruptcy and they would be paid via bankruptcy, days before the hearing date they went to local court the get a lien on my home knowing the lien search world not find the lien on the bankruptcy hearing date. On the hearing date they had no abjection the discharge and did not disclosed the lien. I am selling the home now a short sale only to find the lien is still in affect after they got paid. what a great scam!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done any business with XXXX, never signed a contract, nor do I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
I made a payment with my debit card for someone else 's Auto loan. The account manager, XXXX, billed an unauthorized charge to my card, saved the card to file when I told him not to, and continues to call and hang up after I told him not call my anymore. I recorded the conversations I have had with him and with his Manager XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being 30 days past due as of XXXX 2014, XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The quicksilver capital one credit card sent me a letter for me to sign up for their credit card. 
I called their customer service number to see if I can be taken off their mailing list. They make it impossible to be removed from their mailing list if one has a XXXX with the USPS which I have. They asked me to leave my name on their recorded along with my address and phone number. They are obviously doing something wrong. They also are in business with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was a victim of identity theft. Credit cards were opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Documents supplied according to the Creditor ( I never agreed to any service or product ) - show agreement of debt but the documents are not any agreement but a receipt of my own personal belongings that were returned to me. Please see the complaint mentioned above- BCFP suggested that I dispute this negative report to the collection agencies through you since I have already disputed it with the original " creditor '' without results vs the debt collection agency complaint that I had already filed. 
Please reference previous complaint # Per Complaint # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one credit card services has been reporting a fraudulent account to the CRA 'S, I have attempted to talked to the co. that this account was opened not be me, I sent disputes to The XXXX CRA 'S seeking identity theft as well as asking for the verifying documents that support the claims that this account belongs to me, I have got no documents such as the application and any other info that would suggest that this fraudulent account belongs to me. This account is definitely affecting my creditworthiness, and according to the FCRA Laws that are in place for the consumer if this is clearly unlaw because it states that within the dispute the CRA 'S should be able to report and issue supporting documentation to the consumer when it is requested as to how this verification process of this account was obtained, and they have not with the 2 attempts that i have tried in wrinting disputing this account with Capitol one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT COLL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT COLL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Took out a loan on XX/XX/XXXX for the term of 14months. XX/XX/XXXX had XXXX and was out of work for 3 1/2 months. fortunately I had taken out XXXX insurance to cover the payments while recovering for XXXX. I returned to work XXXX and still have not received a full paycheck due to therapy and bi-weekly office visits. XXXX is threatening me with repossession instead of working with me to help me get back on track. I am 73 days behind on a payment that was due XX/XX/XXXX. now I am confused if the insurance company made my payments while I was recovering why is there a payment late from XX/XX/XXXX? seems like the logical thing to do is reset the contract instead they are threatening me with a large sum due or reposeesion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NTFN INC.
State: GA

Complaint narrative:
We purchased a home on XXXX/XXXX/2016 and the loan was to go through NTFN. Our rate was to be 3.75 % which we agreed on and signed on the paperwork that was sent to us 3 days prior to closing. When we went to the closing table at XXXX on XXXX/XXXX/2016 the closing paperwork on the loan had been changed reflecting the interest rate was at 3.65 % and we had to come out of pocket more money at the closing table. This was not what we agreed on nor what we wanted. This in my mind should be illegal if it is not, but I am pretty sure it is since we had to wait 3 days to close after we had received the paperwork from NTFN.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Submitted account closure request XXXX, confirmation received, still waiting. 
Account XXXX. 
Tried calling them twice, just put in wait queue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: LEXISNEXIS
State: MD

Complaint narrative:
I filed a complaint against Lexis Nexis for inaccurate information contain in their consumer files. Lexis Nexis has several different division and consumer files which I disputed inaccurate information with the following consumer files : XXXX, XXXX, XXXX, XXXX and XXXX. To date only one report has been confirmed corrected. Lexis Nexis is refusing to correct or remove inaccurate information specifically the XXXX XXXX XXXX XXXX XXXX and reselling, data sharing and marketing inaccurate information contained within their consumer database/reports. 
I have disputed the information as inaccurate, identify fraud and requested removal of the information and OPT OUT of their database, data sharing, reselling and marketing of my personal information. To date Lexis Nexis is refusing to remove the inaccuracies and remove me from their data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA SAVINGS BANK, charged off an account of mine, when I contacted i spoke with XXXX ext XXXX and she clarified an error and the bank paid the charge off amount of {$1.00}. to to satisfy my account, but the bank never updated with the credit bureau to remove the derogatory notations on the account, all of the late payment history and the term charge-off still is attached to, my account, which was not caused by me but by an error the bank made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
Hello. I had a mortgage with Loan Depot for over 2.5 years. I have refinanced and the loan was paid off by my current lender. However, my bank sent one more mortgage payment, after the loan was paid off and Loan Depot received the money. Here is the transmission information : XXXX, and the confirmation number is XXXX. However, Loan Depot is telling me they do not have the money and they are not refunding XXXX which my bank paid on XXXX/XXXX/17. I have not been able to get anyone at Loan Depot to check into this and get me my money back. I have a ton of correspondence and I called, at no avail. Loan Depot is not entitled to this money and they need to return it to my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: AFNI INC.
State: OH

Complaint narrative:
I had XXXX account with XXXX and it was closed and paid for. Then another account came out the blue for {$420.00} saying it is mind with a number i have never had. I have spoke with many managers, resolution specialist, supervisor, executives back in XXXX to get this resolved and after three months they 've agreed to remove this from my account. Well now this year of XXXX i still see this account in collections in my name. And they have no information to back this up that it was suppose to be removed back in XXXX. They have updating this information on my credit report which is illegal to do. I have been talk to rudely threaten and harassed about a bogus amount that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I had XXXX fraudulent transactions of {$990.00} each stolen from my USAA Savings account. Each of the transactions involved transfers to an organization ( unknown to me ) called " XXXX. '' The transfers are as follows to individuals who are also unknown to me. They are as follows : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX I have called USAA over a half dozen times with calls, including wait time while being transferred etc., averaging close to one hour. In over a month of trying to get a resolution, the following has occurred : XXXX transaction of {$990.00} has being refunded to my account The other XXXX fraudulent transfers of {$990.00} each are being denied because of " customer involvement. '' I have been provided no proof ( none exists ) of my involvement. 
There is a refusal to allow me to speak to the analyst who reached the " customer involvement '' conclusion. The claim is that customer service has no way of transferring my call. 

Of additional relevance : I live along, am former law enforcement, and I do not share my login information with anyone. 
In addition to the savings account that is under siege, I also have : o A XXXX USAA Savings account o Checking account o Auto insurance policy o Homeowners policy o An umbrella policy o Life insurance policy o A USAA Visa card o And have formerly had multiple auto loans ( now paid off ). 
I have maintained accounts as a member of USAA for thirty-three years The one scanned document attached is a letter advising that the first fraudulent transaction of {$990.00} was being credited back to my account. I can also continue to search for the denial letter if necessary.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I defaulted on an auto loan, the vehicle was repossessed and sold at auction. The remaining balance of the loan was transferred to me and went to collections. Over a period of 2 or 3 months I settled the debt with the collection agency satisfying the remaining balance of the loan. Over a year later, the original finance company has started sending me bills for the settled amount of the loan. I contacted them and they claimed it was an error and not a bill and told me they would discontinue sending me bills. 30 days later, I received a second bill with a late fee attached to it. When I call the company I get transferred from department to department, no one helps me. My average time on the phone including hold time is XXXX minutes. The end result is ultimately being told it is a mistake, yet I continue to get bills in the mail. Prior to the repossession there was a similar experience where they mailed me a last chance offer to call and make arrangements on the loan or it would go to charge off. I called prior to the assigned deadline to see if there were any options to avoid repossession, the told me it was already sent to collections and the letter was a mistake.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
i constantly asked diversified consultants to stop the reporting of the inaccurate information stating that i owe a balance, I am a victim of identity theft and they seem to not taking the proper procedures, but still reporting negative to all XXXX credit bureaus, i asked them in a certified letter for validation of the debt, but they continue to still is engaging in deceptive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
LoanMart took unfair advantage of XXXX year old XXXX XXXX by charging 101 percent interest on a car title loan. XXXX XXXX borrowed {$14000.00} to fund a sweepstake scam and was forced to pay over {$44000.00} in interest fees for the loan on a car valued at approximatel {$20000.00}

Company response to consumer: Closed with explanation