vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I agreed to setup payment for my medical, but they still reported it to my credit even after the bill was paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have a XXXX American Express Platinum card, which offers a companion certificate for travel within the continental United States subject to certain rules and restrictions. I identified an itinerary where I wished to use this companion certificate, as well as a fare that met all of the rules and the restrictions for the award. I attempted to book this via the XXXX website initially, and then via the phone when the website said there were no results available. 

I spoke to an agent, who told me that even though there were published routings that qualified, there were no privately available routings that qualified. He advised me to file a complaint with the CFPB to receive additional assistance, as they only provide staff with the ability to book via a smaller number of private routings that they have available to them. 

Pursuant to the instructions of the XXXX/Amex support representative, I 'm filing a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
after have capital one credit became a hassle charge a late fee before i got my first bill charged me extra to pay over the phone and they would not set up a atutomatic payment once a month and up my rate XXXX percent so in frustration i stopped pay know they are trying to sue me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX, stated if I pay them in full XXXX XXXX. 2016, they would remove this information off my credit. I paid in full they have not removed the information off my credit to this day, after many attempts. XXXX is collecting for capital one bank Reference # XXXX ph # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 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: Jim Bottin Enterprises, Inc
State: NY

Complaint narrative:
XXXX XXXX claiming I owe a past due amount from 2010 for a XXXX XXXX sports club I never enrolled or attended. XXXX XXXX is now owned by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have attempted twice to dispute a reoccurring charge with Capital One.. on both occasions I filled out all of the required paperwork, faxed it in within a few days and each time I call to follow-up I am told my information was not received. I have proof that the fax went through. This is a classic case of the credit card company not wanting to investigate the case and just dismiss the consumer. Terrible customer service! I have been trying to dispute this charge with Capital One since XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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: IA

Complaint narrative:
I received a letter from a debt collector claiming to be collecting the debt on a credit card that they suppose I have, however I do not have said credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Hi, I made a payment to my credit card in the amount of {$3700.00} and an other of {$100.00} ( the full statement balance ). These payments were made on Friday XXXX XXXX 2016. My husband two hours later made a payment of {$240.00} to his credit card ( the full statement balance ). All payments were paid by my external XXXX XXXX ; XXXX XXXX XXXX XXXX on Monday XXXX XXXX 2016. My husbands credit card was paid and the balance currently is showing {$0.00} and a full credit line. However, my credit card is reflecting {$67.00} available credit, this even after being charged {$51.00} in interest. 

Today I had my husband call Capital One to find out why his Capital One account would have money applied accurately and timely and mine was not. He spoke with a " Supervisor XXXX '' who 's Agent ID was identified as XXXX. She indicated that she did not know why, but that Capital One 's policy is that they can hold money for four ( 4 ) days. XXXX could not identify what indicators would trigger this business practice. XXXX also indicated that Capital One has reported to the Credit Bureaus that my current balance is {$180.00}. My husband voiced his concerns that this policy is an unfair and deceptive business practice when applied arbitrarily without rhythm or reason nor justification. My account has never been paid late, considered a slow pay account or otherwise given any trigger that I am not an honest, credit worthy, credit responsible customer. XXXX 's response was she was following Capital One policy ; or politely saying she did n't care nor does Capital One! 

My concerns are, Capital One holding funds, then charging interest though the statement balance was paid in full, is not only unfair but deceptive. Capital One reporting to the credit bureaus that payments were made in the amount of {$3800.00} but an available credit of {$51.00} could impact my debt to income ratio and lead to potential lenders in their underwriting processing questioning my credit worthiness. This is not only deceptive but unfair. Is this because I am female and do not make the income of my spouse or my male counterparts at Capital One? Do they enforce these same practices with their own employees or executives? They did not with my husband! Last, when asked to speak to XXXX 's supervisor or to someone on Capital One 's Corporate Escalation Team, she refused. XXXX 's actions demonstrated that she did not care about my issues or in resolving my concerns. I 'm very disappointed with Capital One and their poor customer service. 

HC

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I deposited a check made payable jointly to me and my wife into a joint checking account with my endorsement. I have done this before at my bank 's branch without any problems. Most recently I deposited this check without any problem. The teller accepted the check for deposit. 

Days later the funds were removed from our account. Our balance overdrew, and we were told my wife must endorse the check. Supposedly the check ( which has already been endorsed by one of us ) is in the mail back to us. It has been a week, but we do not have it. We were told, at first, there was a XXXX tracking number ; now there is no tracking number after all. 

Had the bank refused the check without endorsement from both parties, it would have been endorse by my wife in twenty minutes. Instead the bank took the check, then took the funds, and it has not given either the check or the funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was XXXX a new CapitolOne Debit XXXX. It came right thru my mail slot. I called CapitolOne, spent hours being routed to various departments and on hold, trying to get them to turn off the card. They were less than helpful. They would not tell me how the card came to be. My XXXX credit reports are locked, as is my checking profile, so no new cards should ever be issued on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
On XXXX XXXX. 2015 a representative from CCS called me and just started talking and asking for information without identifying herself. She started asking for my address, phone number and other personal information. I only found out who she was by hanging up and calling the XXXX. I have no written agreements with this company, they are not licensed to do business in the State of Texas I could be giving my information to anyone. A notice came by mail for {$29.00} for ATT but I do not owe XXXX anything, and if I did, XXXX should have contacted me before they sent anything to collections. I am not going to give someone I do n't know my information, checking account or anything else. They need to stop calling me and there should be nothing placed on my credit from this odd company. When I went online to try to contact them, their weird system had no way to send an email. Just too many people coming up with collection companies buying debt. 

Now they have called XXXX times and when I pick up, they say nothing. Ridiculous.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I closed the credit card account and left the country. I lived in XXXX for the next 5 years and come back to realise that I have debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
sent XXXX letters to both parties on XXXX/XXXX/16 and XXXX/XXXX/16 as of today no response of verification of debit. In both letters I asked for signed copy to validate the debit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was repeatedly contacted by Account Manager XXXX XXXX even after a open inquiry disputing several charges. I called to complain to their escalation department and the customer service representative said they are a " legal front team '' and implied that I had no right to complain about how disrespectful the Account Manager was to me. I insisted that I be connected to the escalation department where I can file a complaint. I requested a different Account Manager a XXXX XXXX. I was told I would hear back from them within 48 hours but not response after a week and she has sent another threatening letter giving me until XXXX XXXX to call her about the debt. Is this legal to be dealt with in such a matter? It is not my intention to evade the debt but with someone that is n't so rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I now live in XXXX XXXX and my CapitalOne Visa card was hacked and someone tried using it to pay a {$4500.00} Alimoney payment in XXXX, FL. CapitalOne caught this and corrected the issue. That I appreciate immensly. 
My complaint is that they have restricted the account since then and I can not get my XXXX reward points. Also I had since returned a {$59.00} item to an 'online ' company and they credited the card they had on file, which is the CapitalOne Visa. CapitalOne was more than happy to take that money ( Litterally - keep reading ) I have called and talked to Capital one until I am " Blue-in-the-face ''!! The only thing they will do is:1 ) If I provide a current Utility Bill from my " address on file '' with them, then they can reinstate the card. ( Problem with that is the 'address on file ' is a " Mail Forwarding XXXX XXXX '' in XXXX ) { and I have been living in XXXX XXXX for a year and a half now } Or ; 2 ) I can go into a branch office ( in the States ) and get it reinstated. I currently have no plans of going back to the States and I am not paying for a 'round-trip ' Airline ticket, Hotel room, Rental car, and Restaraunts, to reinstate a credit card. Particularly when I have others. 
I am not really interested or complaining to get the card reinstated. I just want my reward points and the {$59.00} returned item purchase price ( which last month they wrote it off the books as a " Fraud Activity '' ) They can credit it to XXXX of the other XXXX accounts I have with CapitalOne.. 
The XXXX reward points would more than half pay for the Airline tickets I just bought my sisters, so the could come to XXXX XXXX for a visit. 
Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Allied Collection Service, Inc. (Indiana)
State: IN

Complaint narrative:
received collections notice from Allied Collections agency about ( XXXX ) medical bills. I received this notice on XXXX/XXXX/2015. The letter was dated XXXX/XXXX/2015. My attorney sent dispute letter to collection agency on XXXX/XXXX/2015 one day after I received it. I have attached that letter. They asked for verification and itemized details of the charges. This collections debt showed up on my credit report in XXXX and it showed that it was XXXX reported in XXXX 2015. They had never sent verification of the debt to my attorney before it showed on my credit report and still have not. Their illegal reporting of this debt damaged my credit score and credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been paying the original loan now for over 12 years. Although they gave me a hardship plan I know that they continue to make monies from I debt already paid. How much interest are these companies allowed to extort. I am considered a high risk patient I no longer stand to be used. My initial sebt started in 2003.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
For over 2 years now, get recorded calls from XXXX that just says 'hello ' & then disconnects. Do n't know from whom or why. 
I do n't have any debt, including mortgage or car payments. I pay all my bills on time. Do n't know what this is about. Please help to stop these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was a victim of fraud. I am a XXXX. I was contacted through the Internet by a group that said they were a non-profit healthcare agency and they wanted me to edit a pamphlet on XXXX by an author whose native language was not XXXX. It was a legitimate piece of work. They said they were sending the check to pay for it ( {$200.00} ), and then told me they wrote the check for the wrong amount and asked if I could send them the difference. I asked why they did n't stop payment on the check, and the answer was the usual garbled flakiness you hear from a non-profit. When the check came I took it to my bank, with whom I had a 20+ year relationship. They usually give me immediate credit for any check, no matter how large. They said they wanted to hold this XXXX for 24 hours so they could make sure the money was actually in this company 's account, and when the funds were released, I could take the money out. I waited, the funds were released, I transferred {$2300.00} to the non-profit 's account, and then the check bounced. 
The bank took the {$150.00} in my checking account to apply to the arrears and said I owed them {$2100.00}. That 's a huge amount of money for me. I 'm on the wrong end of the age scale and have been trying to get a fulltime job since 2008. I live on social security and what I can earn XXXX and doing XXXX. I 'm barely making the ends meet. At the bank 's direction, I filed a police report and they also investigated. They determined that fraud had actually occurred, but are insisting I pay the money back to them, even though their teller told me that when the funds were released, it meant that the bank had determined the funds were really in the specified account. 
Please contact the XXXX XXXX, MD Police Department XXXX XXXX at XXXX and ask for XXXX. The case number is XXXX. They have all the pertinent documents in the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Harassing and threatening phone calls daily from this law firm. violation of all FTC regulations. I have been discriminated during phone calls with this company. called XXXX person. false billing and criminal tactics. false accounts which i do not owe nor responsible for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 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: JH Portfolio Debt Equities, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX I had a payday loan with XXXX in the amount of {$500.00} - the APR at 390 %. Upon paying the loan I was told I received a loan in the amount of {$600.00}. I informed XXXX I received {$500.00}, and had their documentation to prove it. However, a few months later I came to realize payday loans were illegal in New Jersey or at best there were usury limitations which clearly XXXX had exceeded.. 

I had three payments debited from my bank account, and before the fourth I sent XXXX a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. XXXX stated they were not governed by NJ Law, but is governed by the XXXX band of XXXX of ND, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid ( principal and interest ) it would be turned over to their Collections Dept. From that point on calls I received from XXXX were identified as Fraud Dept. and the same goes for the emails I received ... Fraud Dept. Eventually, approximately three months later the calls stopped. 

Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading Credit Control , LLC in XXXX MO and the Creditor is listed as XXXX. The address listed for Credit Control LLC is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX XXXX, XXXX - just listed as the Current Creditor, and XXXX as the Original Creditor. The debt owed on this paperwork is {$1000.00} which is simply not true. I see several online addresses on XXXX XXXX ( which I listed below ). Also, in researching XXXX XXXX it shows the BBB had downgraded to an XXXX in XX/XX/XXXX, and the FTC filed an injunction on XX/XX/XXXX 

XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX. XXXX, FL XXXX I 'm not sure who this company is or what name they do business under - or how they continue to do business. The FTC has filed an injunction against them and they have been downgraded to XXXX with the BBB, and list an amount owed that is untrue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 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: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
They are saying they can take me to jail for something i knew no knowledge of has farr as XXXX for my lisense plat 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 2016-05-13 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JH Portfolio Debt Equities, LLC
State: OH

Complaint narrative:
A credit card I had with XXXX was sold to another creditor after I got behind. That creditor then had a collections company, called Credit Control , LLC, attempt to collect the debt. I entered into a settlement agreement with them, and paid on time as agreed, paying the settlement in full. After Credit Control took the money for the settlement, they told me the debt was recalled ( after the agreement was in place and they took the money ) by the owner. They did not notify me, and kept the money, and when contacting them, they did not state the mini Miranda as required by law, and hung up on me. So in summary, Credit Control did not honor the settlement agreement, which is in writing. They took the money that was paid on time, and completely in accordance with the agreement. They refuse to discuss it with me and adhere to the agreement. The agreement is in writing, and they cashed the payments sent in without ever notifying me they no longer had the debt. This is negatively affecting my credit, and may have even had an impact on my recent financing of a auto purchase.

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