vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 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: LA

Complaint narrative:
On XXXX/XXXX/16 XXXX cancelled my insurance policy without notifying me in any manner. In a letter dated XXXX/XXXX/16 I received a partial refund check of {$490.00}. I received this check in the mail on XXXX/XXXX/16. Therefore this was my first and only notice that the policy had been cancelled. My policy premium that I paid was {$2400.00}. I immediately advised the XXXX agent XXXX XXXX that I had n't received the remaining {$1900.00}. XXXX refused to pay this amount. They held this money and would not release it until I was " forced '' by the agent to sign a form. 

They continued to hold my premium money for a month and a half. On XXXX/XXXX/16 I finally received only a portion of my premium. The amount was {$1800.00}. I am " still '' owed {$140.00} of that premium. I do not owe them any money. They in fact owe me the remaining {$140.00}! 

I have now received a debt collection threat totalling {$49.00} from CREDIT COLLECTION SERVICES in XXXX MA. 

Based on XXXX 's cancellation I do not owe XXXX any money, they in fact still owe me the remaining {$140.00}. 

I am being harassed for this money that I do not owe and am being threatened with this going on my credit report and affecting my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have many accounts at Capital One 360. It is an online-only bank. Their website and app access has been down for days. Phones not answered. No messages on their website, but credentials for login no longer work. Per XXXX and twitter it seems no customers can access their funds. No access to checking or savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capitol One Bank XXXX The creditor did obtain a fraudulent judgment by filing an illegal lawsuit against me. Further, the judgment is now expired yet the creditors collection agency is still trying to collect on the illegal judgment. The creditor filed a lawsuit supported by a fraudulent " affidavit of Debt '' which was " robo-signed '' by the creditor 's employee. No actual verification of the actual amount owed was undertaken by creditor. 
Further the judgment has now expired yet the creditor and their agent are still trying to fraudulently collect upon this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was a capital one credit card holder for well over 4 years with an immaculate payment history with the company. There were numerous disputes that needed to be taken care of and I was able to provide proof of the dispute for 100 % of all disputes. I have been working on getting my money back and getting my account reopened for 2 years with this company. I was promised, by Capital One, that my XXXX accounts would be reopened after the disputes were completed. Not only did Capital One not honor their guarantee, Capital One fraudulently stole money from my secured card after they closed it. 

Capital One has literally led me on for over 2 years about reopening my account and I have proof. Between letters from their executive office making guarantees to me, then the individual in charge of my case abruptly leaving the Capital One and then my continued calls to the company and not getting back to me over the course of 10 months. I continued to reach out to Capital One and reached out directly to the executive office in the XX/XX/2016, yet again and continued to correspond throughout this year. After sending a massive package of documentation via fax and physical mail to go over and honor the dispute that I was explained would be taken care of, the representative in charge, never followed through. I called twice per week, every week this year alone, not counting the previous times. As I continued to send the documentation in, specifically for charges that were paid by other means, the representative continued to send me emails that he was working on the issue. 

The issue continued throughout the year until I received an email that the XXXX credit cards that were unsecured, would be open and that I would have a choice of keeping my secured account reopened or close it and I would be refunded the secured amount THAT I INVESTED IN, over {$1200.00} dollars. I chose to keep the accounts open and I have n't heard back from Capital One since the XX/XX/2016. 

XXXX accounts. 
XXXX unsecured - XXXX secured - Capital One needs to reopen all XXXX accounts A few of the account numbers ending : XXXXThere are an additional XXXX account numbers missing that Capital One can fill in

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Kohl 's has promised to remove a charge several times from my credit card ( have copies of email ) for Incident number XXXX for order # XXXX which occurred THREE months ago. Recently, the decision was made not remove charge ( s ) from Kohl 's account related to an item that I am disputing the purchase of. Requiring me to pay for a police report to remove the disputed charges for an item that was never sent/delivered to me. They are violating my right to get reimbursed for the product they did not deliver to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Received a call from Credit Collection Service. They did n't state its was an attempt to collect a debt. The representative stated, " Are you XXXX XXXX? '' When I asked why they then asked for my mom XXXX XXXX. And stated they are calling from a law office but never disclosee why and what debt they were calling about. I never receive any communication from them to verify the debt. According to what is reported on credit report look like its was back in 2012. I have no knowledge about because debt was not properly verified and representative used illegal tactics to get me to verify my identity and close relative

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Credit Card Company bought another Credit Card Company. I have some XXXX accounts at this time with Capital One. These accounts are all in good standing. Somehow Capital One sent to the IRS a form XXXX ( forgiveness of debt ) and I was forced to pay thousands of dollars to the IRS and to my accountant to straighten this mess out. Nothing was done and I was forced to pay my accountant several thousand dollars in fees and pay the IRS several thousand dollars in income tax fines penalties etc. I made dozens of phone calls to Capital One. I send them faxes and and letters. They refused to acknowledge the problem. They ignored my problem completely. The only thing they did do was send me a letter and say they would notify all the Credit Reporting agencies that there was an error and I was a victim of Fraud. I called the IRS and they informed me that unless Capital One sent in a corrected copy of the XXXX they could do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I got behind on my credit card and they call me up to 10 times a day even on Sundays. I told them to send me their information so I could send them a letter not to call me more than three times a day. I did not receive that information they continue to call me 10 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is regarding the charge back dispute filed with the Capital One. The dispute amount is {$840.00}. The case # is XXXX. On XX/XX/2016, Capital One issued a refund check in the amount of {$840.00}. On XX/XX/2016, XXXX., I inquired with Capital One Dispute department to see what is the reason for issuing the credit refund and it is okay to cash the check. The agent contacted its Customer Relations Department to check the reason why the check was issued and she discovered that the Merchant failed to respond ( " representment '' ) within 45-48 days per visa guideline. Now that the Merchant responded with non-conforming evidence ( completely irrelevant documents ) after the 48 days of my initial filing date, Captial One rebilled {$840.00} to my account and imposed late fees without mailing me the billing statements. I called and complained to Capital One, however they are telling me now that the case is closed and I must pay the credit refund. Capital One violated my rights as a consumer by failing to exercise their duties to investigate the charge back documents NOR abide by the Visa chargeback guidelines, State and Federal Laws. The Dispute Department at Capital One are not equipped with knowledge of visa dispute guideline nor knowledge of law regard to the disputes/chargeback. Please help me resolve this issue with Capital One to vindicate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My husband ( now ex ) put all his debt in my name including most of his student loans ( he is a doctor ), convincing me he would pay it in full. Unknown to me, he either missed payments or did not pay the full monthly amount adversely affecting my credit score. Little did I know, my husband was preparing to leave me with all his debt. This was devastating both emotionally and financially. I notified Capital One to inform them of my personal, financial hardship and asked if they could work with me. They refused, on several different occasions throughout three years. I informed them that my divorce lawyer was recommending I declare personal bankruptcy ; however, they still refused to help me repay the debt. I did not and will not declare bankruptcy ; however, Capital One has truly adversely affected my credit history ; despite my several attempts to explain my hardship. I am and have been paying them back once the credit card was ordered by the court to be my sole responsibility without my ex-husband 's need to control me. It has been three years since that court order and each payment was timely and in full. However, six payments missed still reside on my credit history. They have blatantly refused to help me in anyway, despite my several attempts. The debt was XXXX and now I am about to pay it in full with XXXX large check. Do not get a Capital One credit card, an unexpected hardship may occur and they will provide no assistance. Instead they contribute more pain, stress and grief to that hardship by their denial to assist in anyway ( even when you WANT to pay the debt back ). Capital One will watch you go through this hardship and then take their proverbial dagger and slice you at the heels. Crippling you more via your credit history!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Banks are charging " overdraft fees '' for transactions when using your debit card. the problem is that when opening an account they do n't disclosed the consumer that there is a charge of {$35.00} per transaction causing consumer to pay a large amount. In my case there was approximately XXXX charged to me and the bank is refusing to return. I went to multiple branch and I was told that is nothing that they can do. The policy should be for both agreeable by both consumers and bank. I was hardly using these particular account and was under the impression that I have money in since I am depositing XXXX every paycheck. Also, they send me a new card that according to the branch manager said that the card is linked to pull money from all accounts including my minor account and when I ask she does not know why it was set up like that. then to another bank in which the staff including the manager were very unprofessional and rule, I was literally begging for the money and the bank does did not care

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had credit card account at Capital one Bank, I paid the bill, which they charged me interest on my interest. However, I closed the account. They keep reporting the account as open to the credit bureau. I want it closed and removed from my credit report. They are like working with used car salesmen, very XXXX. XXXX shows it closed but XXXX shows a closed account and an open account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a mortgage with XXXX. I made a payment to my principal on my mortgage In the amount of {$10000.00}, I made my regular Monthly payment in the of {$1000.00}, this transaction was done on XX/XX/XXXX, I also made several smaller transaction requesting it goes to the principal balance of the loan. I paid my loan off on XX/XX/XXXX, in the amount of {$5500.00}. I was told that pay out date was expected to be XX/XX/XXXX, So my issued is, if I gave them {$10000.00}, Plus some additional smaller funds, why did I only recieve a check for only {$7.00}, and the loan was paid in full early before the pay out date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a debt that I was trying to pay off. In order to pay it off I used a balance transfer check from Capital One in order to have 0 % APR for one year. Five months later I realized that I was getting charged interest of 26 %. I called and they told me that there was some mistake and there is nothing they can do. Essentially, saying I used an expired check. However, I 'm pretty certain I did n't use an expired check. I asked for a copy but I 'm not getting one. And, they agreed that if the check was expired, it should have never been valid. I called again because it was very clear why I used a balance transfer check. Now they are refusing to return my interest of {$440.00}. They are saying there is nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When I opened my credit card account I maintained an impeccable record. I even got a car loan with the same bank and paid off the loan with no late payments. Unfortunately, I became unemployed and homeless and did not have an income to pay my card payments. The card was closed and the account balance more than doubled with fees. Now that I am employed again, I researched a contact number for the bank who issued the credit card and I called them to find out the balance and if I could make payment arrangements. I talked to a manager who said they would make a one time adjustment to the balance and they gave me the total. I asked if I paid the balance would they contact the credit agencies stating the account was paid in full. I was told, " Yes. '' I asked if they could send me a letter to that effect and they said they would. I received a letter shortly after thanking me for agreeing to pay the balance by such and such a date. At no time in our conversation on the phone did the manager ever mention a date I had to pay the account by nor did I agree to pay by a certain date. I was told on the phone that once I paid the balance they would wait 22 days to make sure the funds cleared then they would contact the credit bureaus saying the account was paid. Now the letter was stating I had roughly 10 days to pay the lowered amount agreed upon or the original balance would be back in force. I sacrificed my paycheck and made sure I had called them to pay over the phone thinkng I could use my debit card. After waiting an extended amount of time on hold, I finally got through to a representative who informed me they do n't take payments via debit cards ; it had to be a credit card or check by phone. I do n't use checks so I had to get the routing and account number in order to proceed. I got the information and called the bank back. Again, it was a long hold time before speaking with a representative. I gave her my information and the payment went through. A few days later, I received another letter from the same manager who I had been dealing with and the letter states, " Thank you for your recent payment .... We credited this amount to your Capital ONe account referenced above on XXXX XXXX, 2016. 

If you have nay questions, please give us a call. If a thrid-party agency is servicing your account, your call will be automatically routed to them. '' Sincerely, XXXX XXXX, Account Manager The letter shows I still have a balance on the account which is not what we agreed to. XXXX XXXX said over the phone he was reducing the balance and in his first letter to me he said that also. Now that he received the money requested - he is changing my account balance back to the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have an unverified account from KOHLS/CAPONE. I had previously disputed this account. I have never done business with KOHLS/CAPONE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that KOHLS/CAPONE Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KOHLS/CAPONE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: TN

Complaint narrative:
I was a victim of ID theft approx XXXX years ago and the key perpetrator was caught and convicted, yet there were other instances where my ssn and/or my name became associated with another individual. The most recent example was when attempting to confirm my identity to access my XXXX XXXX account, they used a XXXX product from Lexis-Nexis to try to validate my identity. Lexis-Nexis asked that I confirm city of residence of someone that I have never met and proceeded to deny my access because I declared that I did not know this individual when their records indicated that I should. I looked at available options to correct the data Lexis-Nexus maintains, but only options offered is a copy of a report that I already know has inaccurate data, which even for this requires much too much effort on my part to access my own information that they sell to others for a fee. 

While I can not proactively scan the world to see where else data on me is not correct ( e.g. when opening an account with XXXX Bank XXXX weeks ago their system showed my ssn associated with someone else ), when I find specific examples I need assistance to remedy. 

Please advise, anxious to clear up issues wherever I can. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
i have tried several times to talk to them. They have refused to supply me with the social security used.i have sent a dispute letter and they say they didnt get it but refuse to send me another one. All my credit cards and loans are paid on time and i am not late on one of them. Please help me this company is ruining my company.

Company response to consumer: Closed with explanation