vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OK

Complaint narrative:
Purchased new Nissan in 2013 setup due date thru dealership for mid month. 1st and only statement every mailed to me showed due XXXX of each month.made monthly pymts per this statement on bank auto pay, setting up online acct this morning and finding out for 1st time that I have been charged ) ate fees for 2yrs for paying late, but did not report because acct still considered current, Never called or contacted in anyway to advise me of this, even when I called for help setting up acct online Rep. Did not even say anything about this only found out once I could log into acct. Was told just pay at end of contract. After some time on phone did get XXXX dollars waived but feel should not have to pay any of these fees because I was Never told about this or sent statement. Nissan first said statement mailed to bank because on auto pay? Not sure why because my bank would have mailed them a ck in my name never requested paperless did n't even know acct # this is why I called when setting up acct, if I had not been setting up online in 3 more yrs loan would never pay off because I would continue being charge fees for late pymt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX/XXXX/2016 I had {$7.00} in my account when I was out and about and did not write a transaction correctly so I believed I had {$7.00} in my account. I went to purchase a meal for {$6.00} and I went to the XXXX store to get something printed for {$.00} and I did not check my account till the next day since I believed I was fine, I come to find out that not only was I hit with an overdraft protection transfer fee for a service I opted out but it was a transfer of {$.00} and then they charged me XXXX NSF 's. I went to the branch and they refunded the fee and refused to refund me the XXXX NSF fees because they can only refund fee 's as a courtesy even if its a bank error. So they told me they can file a complaint for me or I can sue but I wo n't be getting my money back. That was today and they refuse to fix the mistake as advised by the financial services specialist.

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 monetary relief
Consumer complaint received 2016-03-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Hello My name is XXXX XXXX ; I am writing this letter as a complaint on CapitolOne Bank. I have been with this bank for about a year, not as a personal account holder but as credit card holder. I have XXXX cards from them the first I received about a year ago at {$500.00} limit ; I have no problem with that one because I always pay as schelude. The problem is with the second card I received a few months ago at a higher limit. I make it a habit to pay my bills on time and always add a few dollars more than the limit to keep my credit score at a decent rate. This Bank has deliberatly been sending bad reports on me as if am not paying them. The card in question ends in XXXX. Going back about four months ago, I miss the due date by a day and called the customer service, they agreed to drop the {$30.00} late charge but said I still have to pay XXXX dollars instead of XXXX so the system would correct itself. I paid it and taught all was well. XXXX months pass and I assume Iwas paying on time because of what was showing on my computer screen ; I normally pay on the day my payment is due because I dont have a steady job and ca n't predict what my funds will be around my due date. I never considered the time of day I pay an issue, so when I see my payment being posted for the next day I considered that a bank issue. Customer Service never explained that my payments were being counted as late and nothing on my screen was telling me either, all I was seeing was the minimum amount and due date. I missed the due date this month by a few hours and called customer service to make the payment, the person told me {$60.00} I asked if the late fee could be excused and he said yes just pay to XXXX owed which I did. The next day I check my account and there was {$90.00} charge added to my next payment I called customer service again and was told I owe this money because of pass late charges, i asked why was it not being showed on my screen up until now, they have no explination except that am behind on my payments and the its being documented on my credit report. I have decided to stop paying them anything on this card until someone outside of them looks at this situation. Am asking to please investigate this matter quickly so I can assume my payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I 'm attempting to apply for a job that requires a credit check. I receive information that not only am I being sued but the court date is next week XXXX XXXX, 2015. Apparently the lawsuit was sent to an address that I have n't lived in for years. I never received a call or an email from the company about any pending litigation. I guess if the person living at that address not found me to give the information, the court date would have came and went without me even knowing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: FL

Complaint narrative:
Not my debt there were numerous XXXX that were on my report that different middle initials and there were XXXX different XXXX. they all had different spelling and different addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 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: TX

Complaint narrative:
XXXX XXXX in XXXX collecting a debt that 's not owed in XXXX as stated by XXXX Insurance Agent XXXX XXXX in XXXX XXXX Auto policy on XX/XX/XXXX XXXX XXXX Policy # XXXX effective XX/XX/XXXX. 

XXXX auto policy # XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Policy effective XX/XX/XXXX in which l was still in living in XXXX. 
I moved to XXXX XXXX from XXXX on XX/XX/XXXX and l stayed at XXXX XXXX hotel in XXXX, XXXX until l purchased my new home at XXXX XXXX XXXX XXXX XXXX XXXX. I closed escrow on XXXX XXXX. 
XXXX XXXX insurance debt was carried over to XXXX XXXX XXXX. In which by law you can do that. 
XXXX XXXX in XXXX and XXXX XXXX XXXX are in Federal Violations. 
XXXX XXXX in XXXX are collecting debt through my mortgage company escrow XXXX XXXX XXXX XXXX in XXXX, XXXX since XXXX XXXX they also collecting through a collection company in XXXX XXXX . 
I am been Discriminated and Retaliated because of my XXXX XXXX XXXX and Military Veteran status and on XXXX XXXX Lifetime and l am Retired. 
l am taking prescribed medications for XXXX, XXXX, XXXX, XXXX, XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have XXXX Credit card accounts with Capital One. I sent a check for {$25000.00} to pay off one card completely and with written instructions to pay down the balance of the XXXX card with the remaining money. I was able to track when they received the check XXXX XXXX XXXX ) put it was n't posted until XXXX XXXX. Much to my dismay ( and inspite of written instructions asking to be notified when posted XXXX the one credit card was paid off completely but then the remainder {$14000.00} was simply posted as a credit to the card I paid off. My first phone call said they could not transfer the money to the second account ( also a Capital One account ) but they would refund me in a check ; however that may take up to XXXX weeks or longer as it had to remain in that system for XXXX days for being processed, then after processing, I would need to add another XXXX days before I received payment. I needed that money posted to other account ... or available for me to use. I called back, with same resposnse. I called back then went to chat ( XXXX time ) now with hold times I have more than XXXX hours invested in trying to get this straightened out. Meanwhile I had to make another payment on the account that I was trying to get the money transferred to plus it I am still being charged interest for the higher amount. Monday XXXX XXXX I called and went up the chain of command to a supervisor who assured me that they would release the money and transfer to my account in XXXX business days. Close to the end of the business day yesterday XXXX XXXX day ) I called to see why it had not been transferred. They said there was a problem with my bank information. I know they had the correct information. The problem now is that they would have to issue a paper check with all the delays. I asked for a superviosor, and XXXX supervisors up the chain. I was told that it would be another two days. I asked if I could have an email confirmation of that. I was told " NO '' they were not allowed to confirm that information. I asked to speak to this man 's supervisor and he told me he was the top man and there was no one else I could talk to ... nor would he give me any information about how to contact him directly. If I wanted to check, I would once again start with the generic number for information. I have now spent over XXXX hours trying to get my money back. As of noon today, my money is still sitting in an account that is paid in full and I have no access to my own money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: DFC Global Corp.
State: CA

Complaint narrative:
This issue is regarding a business check that I cashed at money mart XXXX California the XXXX store they charged me XXXX percent of XXXX $ when they were only supposed to charge me 3 % they refuse to pay back the7 % difference because I did n't catch the mistake before I left the store, the money was put on a XXXX visa card and XXXX $ cash was given to. Me as well for cash back from purchase .i was supposed to have been contact by district manager on XXXX she failed I finally tracked her down around XXXX XXXX she said nothing she can do.my budget was going to allow me to by a used car with that portion of the cash now I ca n't and I need transportation please HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One unethically procured my credentials from credit bureaus and kept performing " prescreening '' or credit check on my account WITHOUT my consent. I kept getting promotional offers almost twice a month for about 8-10 months. The communication was never clear about the clandestine prescreening checks being made frequently. This could severely affect my credit history and limit my access to financial resources in my hour of need. I wish that CFPB takes stern action against Capital One and I demand an apology from the credit card company. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 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: MA

Complaint narrative:
These were paid a long time ago and I continue to dispute to have these updated and/or removed and I never receive any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Talked to someone not related to me about debt and left information about debt with my name on front door where everyone could see it and read it. They are also listing someone else in the document I do n't know, does n't exist and/Or has nothing to do with this debt. The documents were so cigarette smoke infiltrated they made me sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One bank took money out of my account through an ACH transaction on XXXX XXXX. The Ach Trace Number is XXXX. My credit union states it was from an online transaction. I have been behind on my account and it was closed after my son got XXXX last year. I am paying them {$50.00} a month but they took out {$1000.00}. My mortgage payment. I searched the web and this seems to be a practice that they do a lot. I have not made a payment to them through the account they took the money from for quite some time. I ca n't believe they would have the ability to just take money as they see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Bank is having their lawyers sue me over a debt that has numerous charges I do not reconise. The last three times I sent dispute letters to Capital One I do not get a response. The first letter had a lot of charges I was in dispute with the second and third had a few more. 

I am an identity theft victim and Capital One is failing to get information changed. I have stated numerous times I have many problems with what they say I owe. So they are lknowingly going after me while I am and always have been in full dispute of this debt with fraudulent charges still on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am an Identify Theft victim and I was recently forced to hire a company to assist me in removing fraudulent files from my credit reports. 

After a thorough review of my reports, I noticed that Capital One had placed an inquiry to my reports on XXXX. 

After speaking with representatives from XXXX, I was told to notify Capital One in writing and wait for their response. Once I received a response, stating that the inquiry should be removed, I was to forward it to XXXX. This is their procedure for removing a Hard Inquiry. 

I sent a certified letter to Capital One and it was delivered to them on XXXX XXXX, 2015. The letter asked them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. 

On XXXX XXXX, 2015, I received a response from Capital One. However, the letter I received did n't indicate whether I had applied for credit with them. It was informing me of the different types of inquiries, which I already had knowledge of. So, I contacted them by phone and was told that I had multiple accounts with them and one is presently documented as a paid closed account on my credit report. I asked the representative if she could forward me any information regarding these accounts and after nearly XXXX minutes on the phone, she encouraged me to communicate with the credit bureaus. 
I have never had an account with Capital One and I have never applied for credit with Capital One. 

Therefore, I am filing a complaint CFPB, hoping to get a successful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XXXX my husband received a notice that we needed to call Capital One 360 due to some questions about recent activity. Since it is a joint account I called support who, after a 45 minute wait, indicated that an unauthorized person had logged into my husband 's account. As directed by support, my husband ran a Spyware scan and verified that his computer was not infected with spyware and sent the scan to their fraud department. Two days later when the joint account was still locked my husband called to have the account released. He was unable to reach anyone in the fraud department and was told he would receive a call back within 24 business hours. It has now been over a week and still no call back. 

I have attempted to transfer money from the joint account and Capital One 360 is preventing access to my funds until their fraud department talks to my husband. However, after over a week my husband can not gain access to anyone in their fraud department. 

It is a joint account and I am being prevented from accessing my funds. 

It has been over a week and we are unable to reach anyone who will release our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I never heard of this company before and I do not know how they have my number in their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I recently opened XXXX accounts with Capital One, a checking and a savings Account. I opened the checking account with a XXXX check endorsed to me and XXXX in cash. I opened a savings account with a XXXX cash deposit. The XXXX checking deposit was returned to me. My account balances are listed as XXXX and XXXX respectively. I contacted Capital One 360 by phone twice. The first time after a 20 minute hold, I spoked to someone. When I asked why my funds were not available, I was told " This bank is not dealing with you anymore. '' When I asked why, I was told, " I am not discussing these accounts with you. '' The phone call was then rudely and abruptly terminated. A month later, I again called them. After being on hold for 20 minutes again, I opted for the call back option. I never received a call back. In addition, I have faxed them 4 times, and have received no response. I have never received a written explanation or any explanation whatsoever as to why I can not access my funds. If they have closed the accounts, I want my money back. I am a XXXX veteran and XXXX tied up in accounts I can not access is a big deal. I would like my money returned to me. This has been going on since XX/XX/XXXX. I am extremely unhappy about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have had a mortgage with XXXX XXXX for 20 years with no problem. 
Two months ago it was sold to Shellpoint Mortgage. They have not paid my real estate taxes with my escrow account. The town sent me a letter stating taxes were not received and I will get a 1 % penalty for late taxes. Also Shellpoint said they never received my XXXX payment. 
My XXXX account has me making the payment on XXXX XXXX of last year. Today I got a statement for last months mortgage payment and this months payment with a penalty for being late. Shellpoint states they paid taxes on the taxes on XXXX XXXX. The town said they have received nothing. No one at at Shellpoint returns phone calls to help rectify the problem.

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 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am a part of the Wells Fargo banking scandal. Several years ago I lowered my monthly rate on my XXXX year mortgage. Unbeknownst to me WF added an additional loan and years to my mortgage. What they told me over the phone and the papers they sent for to sign were XXXX different things. Now I am saddled with a XXXX year mortgage and an additional loan. This last fall WF agreed to lower my monthly rate XXXX point, in house. It is now XX/XX/2017 and it still drags on. Their notary did not properly sign the documents they sent me and I was asked to have XXXX RE-NOTARIZED and re-sent to them. Now they have informed me that this paper has been lost and we need to begin the process all over again?? .The incompetence/ dishonesty is breath taking!! I believe that they hope I will go away so WF will not have to give the point reduction. Their attempt to mitigate their nefarious banking practices.

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 2016-06-16 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: WA

Complaint narrative:
Credit Collection XXXX informed me that I owe XXXX XXXX XXXX {$210.00}, but in my communication with XXXX XXXX, I do not owe them because I already settled and closed the account, and also the account is already under a different name and a different address and that person is the one who have an unpaid balance in the amount of {$110.00}. I emailed and fax them to let them know about it and explain to me why they think I owe XXXX XXXX, but I do not receive any answer from them, and probably they are the one who always call me and put me on hold every time I answer the call ( XXXX )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Contacted IMC credit services via certified mail, receipt, asking about a debt that showed up on my credit report. I have no idea what the debt is. It 's been over 30 days and I have not heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Acct closed on XXXX 2009 and still showing on my XXXX credits bureau.

Company response to consumer: Closed with explanation