vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank and their lawyer XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa filed suit against me in XXXX XXXX, case was dismissed on XXXX/XXXX/XXXX in XXXX XXXX PA Dockt XXXX by XXXX XXXX. Sheriff dept has posted XXXX notices on my door, with XXXX Tape, telling me that I am being served under this same docket again, and when I look up docket, case is scheduled to be heard again in XXXX. My rental property was severly damaged by hurricane XXXX in XXXX XXXX, and I tried to negotiate with creditors including Capital ( 5 year 0 % percent interest payoffs ). They would not cooperate and I could not afford to pay their high interest. XXXX is suing me again and my story is the same again. Give me a 5 year payoff at 0 % and I will make good on this balance. I also recently received a demand letter from what appeared to be a XXXX branch of capital one for the same dollar value and I wrote back explaining the same, is this bank for real? All I want is a reasonable payment to settle this account, if you sue me, I will eventually file bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My Capital One credit card was lost or stolen and I have been trying to resolve this issue for three month now. I still have charges which were not resolved. My phone calls were transfered from one department to another and still were not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The interest was raised from XXXX to XXXX and we try to deal with the interest raise and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A fraudulent credit card account was opened in my name on XX/XX/2016, and I received a letter from Capital One stating they believed the account MAY be fraudulent. Ya think?! Clearly their vetting processes for applications are the worst. I called in immediately to tell them it was in fact a fraudulent account and the man I spoke with confirmed there were no transactions and the account would be flagged as fraud AND CLOSED. Fast forward 2 months later when I decide to pull my credit report to dispute some of the fraudulent inquiries, and the Capital One account was show as Open and Active on my credit report with a credit limit of {$2000.00}! So an account they knew was fraudulent and that I confirmed was fraud, was never actually closed. I called in again today to sort it out and the woman I spoke with was very nice, but I believe in part that was because they knew this was a huge mistake. She confirmed that the account was flagged as possible fraud, that their records showed all my phone calls were noted, and even that the last agent confirmed in his notes that the account would be closed, and it was NOT. She confirmed very honestly that the proper procedures were not followed and it was an error on their part. Fine, but now I have had a fraudulent account open in my name, affecting my credit score for 2+ months when it should have never shown up in the first place! Capital One should be put out of business. MY TIP : If you receive any letters indicating possible fraud, call immediately and ask to speak with fraud supervisor. Also get their name, employee ID and confirmation that a letter stating the closure of the account will be sent to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08 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: ERC
State: NC

Complaint narrative:
I received a letter from a Enhanced Recovery Corp, a collection agency last spring for a debt for XXXX cell phone service. This is not my debt-I do not even have a XXXX cell phone account. After contacting Enhanced Recovery several times, as well as XXXX, I found out that the account holder is another man with the same name as mine ( which is a " common '' name according to an Enhanced Recovery representative ), but he has a different address ( his address is in Texas and I have lived in NC all my life ) and a different date of birth. In addition, the XXXX representative told me that there is not a social security number associated with the debt. I sent a certified letter to Enhanced Recovery saying that this was not my debt and they were contacting the wrong person. Thus, I thought this problem was resolved a few weeks ago, but now I see that Enhanced Recovery has submitted a complaint on my credit report. I do not know how this is possible if the date of birth for the account holder is different and they have no social security number. So to be clear, it does not seem like anyone has stolen my identity. Rather, Enhanced Recovery has limited ( and erroneous ) identity information on this debt and yet still continues to try to collect this debt from me. There are no other problems on my otherwise stellar credit history. This complaint from Enhanced Recovery on my credit dropped my score from over XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I have a XXXX credit card. It was through XXXX Bank and recently changed to Capital One. When the name change took place, it caused my credit score to drop by 30 points!! It is showing on my credit report as an increase in my balance from {$XXXX} to {$900.00} when in fact it was {$900.00} to {$900.00}. I have absolutely no control over a credit card changing to a different lender and feel this is extremely unfair for it to report this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Company wrongfully overcharged me. I cancelled the policy and filed a complaint with the New York Department XXXX XXXX XXXX which is conducting an investigation. Due to the fact that I cancelled the policy, XXXX refuses to correct its error as a harassment tactic. It has hired Credit Collection Services ( CCS ) to harass me to pay money it knows I do n't owe. CCS has been informed that I dispute this alleged debt, but continues to harass me in violation of the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Requested a validation of all account level information, and the company can not provide this information. They have not been able to provide any of the requested information and have made no attempt to provide the information to me. I have an increasing balance and charges on a closed account that are not explainable as well as other issues as being requested in the entire validation of the entire account from opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I got restriction with my bank Capitol One 360 and they told us to call their number XXXX XXXX XXXX. I called four times and it was more than 1 hour each call and I got no one to answer my call. This is very frustrating, so I called regular bank and they said I must talk with security team and that is the only option but they are not answering any calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I currently have a 5 year adjustable rate mortgage with Capital One that was coming due at the end of the year. I contacted Capital One to get information about possibly converting to a 15 year or 30 year fixed rate mortgage to compare with my renewing my existing mortgage. Capital One refused to let me see a contact to have my attorney review. I was told to give credit card info and they will send me documentation with all fees, rates, closing costs etc. and my credit card would not be charged unless I went ahead with the mortgage loan application. I did not accept the fixed loan options but Capital One went ahead and charged my credit card {$450.00}. I have reached out to Capital One and they forwarded my concerns to their Advocacy Team who have been very arrogant. They and the mortgage team at Capital One claim they can not see my current mortgage information even though it is with Capital One. Capital One bought out ING who was an outstanding financial institution to do business with. Capital One mortgage personnel were high pressure, doom and gloom spewing and had no regard for the customer and did not listen to what I was asking even though I repeated clarified that what I wanted was just information on rates and costs associated with the different mortgage options. A mortgage is usually the biggest financial decision most people make in their lives. Capital One believes that customers should not be able to see the actual mortgage documentation and should make a decision based purely on a verbal estimate from their mortgage specialists. Wow. Their mortgage specialists have no regard for the customers best interests and are driven to sell costly options which only benefit their own sales personnel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One continues to send me e-mail related to an account I did not open. I can not log in to stop these e-mails because I did not open an account with them. I contacted them via e-mail at the suspicious activity link twice on their site but got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I applied for a WalMart credit card last holiday season after an offer I received in the mail. No big deal I thought but this card is single handedly ruining my credit health ( score ) and taking fees month after the month. I make most of my bill payments online and often the Wal Mart credit card website is not functioning properly. Therefore I can not make a payment as I want, when I want, when I can. I then would either have to mail or locate a store and pay it there which can be a hassle. Month after month I am getting hit with late charges and being reported to credit bureaus. I just want to get this account in good standing and have all the negative reporting removed so it does n't ruin my life anymore than it already has. Please if possible, from a loyal customer to you, please Walmart ( Synchrony Bank ) waive all late fees assessed and remove all negative reporting and I will sign up for automatic payments today to prevent any issues going forward. The balance is approximately {$1000.00}. and {$300.00} are late fees.

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 2016-03-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I have contacted Barclays Bank Delaware on several occasions attempting to resolve my consumer complaint regarding their handling of my credit card dispute. I notified Barclay Bank on several occasions that I had no knowledge of a credit account that was showing as charged off on my credit report. they continued to report it as well as sold it to a 3rd party without initiating an investigation. In addition after reporting the account to them no less than 4 times as well as sending them written notification of dispute they continue to give the run around and extend the time of their investigation. I have requesting immediate resolution and have not received any such resolution. I continue to get the run around from Barclays Bank Delaware in my attempts to resolve this matter. The representative have cited incorrect sections of the Fair Credit Reporting Act in order to justify their actions and treatment of this matter.

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 2016-05-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This credit card company is reporting me as a charge-off account on my credit. This is not my account.

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 2016-01-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX, 2015, I bought new furniture at XXXX XXXX in XXXX, Texas. I used their financial promotion no interest rate if paid in full in 24 months, they use Synchrony Financial. Around XXXX XXXX, 2015, I started to receiving calls from Synchrony when I was at work, they first called like around XXXX XXXX then every three hours after that, they kept calling for three days until I returned the call, I was told my payment was late, I told them I have not received my first bill yet, I gave them my mailing address and I was told I was going to get my first bill next month, Synchrony employee wrote a statement in the system explaining my situation about the billing. I month passed by and they started to call again like 5 to 8 times a day from XXXX XXXX to XXXX XXXX. I let them keep calling for like a week so for a whole week they kept calling 5 to 8 times a day from XXXX XXXX to XXXX XXXX. I returned the call and they told me by payment was late, I told them I have not received my first bill yet, this time they did n't care they kept asking for {$190.00} payment due. I told them this was an error on them, I gave my mailing address again but this time I repeated it to them for 3 to 5 times, I felt like I was doing their job just to have the correct address so I can get my first bill on time. Finally, I got my first bill on XX/XX/XXXX so I 'm filing this complaint to get {$190.00} to {$2500.00} back from them because this an error from them, they kept wasting my time, and my credit score went down thanks to them. Attach are copies of their bills I did n't get on time because they had the wrong address. Also, attach is a copy of my sales order from XXXX XXXX with my correct address. I hope you can help me and protect others from companies trying to play dumb in order to make more money. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Someone at an Old Navy store opened an Old Navy Visa account for me XX/XX/2016. They put the wrong address for me into the computer and their computers were down, so the typical process of checking your address on the screen of the credit card machine did n't occur. Fast forward, now it is 11 months later and my credit card is in collections. I only used the receipt to purchase goods in the store and one other time had the person in the store look up my account. I never received the card in the mail. After getting my credit report, I saw that the account was listed under the same address but different city state. This means that all the statements and card were sent to a completely different address. Now my credit has negatively been affected and the amount that I owe XXXX is in collections with a shoddy debt collection company. The solution that I would like is for me to pay the debt and not get the run around by the debt company and for the record of this debt to be expunged from my credit report.

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 2016-06-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have been a client of Synchrony Bank as a result of an application submitted when I purchased furniture from Ashley Furniture / XXXX. We had paid our balances on a monthly basis for over 3 years, and had asked to have our account put on auto-pay through synchrony and through their customer service department ( phone ). On two different occasions, the representative in order to collect payment promised that our account was now on auto-pay going forward when in fact it was not. The second attempt caused our account to be over 30 days and reflected on credit report. I have called a number of times, and discussed with their internal service department who informed me for the first time that we were to get a confirmation letter to confirm auto-pay. This was the first we had heard this, and that since we did not get the confirmation it is our responsibility. However, in my final phone attempt I explained to them the same situation, and without fail, the customer service rep did not tell me I had to get a confirmation letter to confirmation to know it was officially on auto-pay. The account is now paid in full, however my late is still on my credit report. This is unfair and causing real stress in my attempt to refinance my home. Please help.

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 2015-06-28 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My wife applied for a credit card with ToysRus XXXX weeks ago. She gave her social security number along with other demographic information. My wife signature for the credit card application was captured electronically at the store. I had nothing to deal with the credit card application and none of my information was given at the time of application or thereafter. The cashier at ToysRus informed my wife of credit approval and line of credit and when I asked him why my name is showing on the attached credit card approval-receipt ; his answer was because he attached my ToysRus reward card to my wife 's credit card. Two weeks later, a ToysRus credit card is mailed to our address with my name on as opposed to my wife. I contacted Synchrony Bank customer service ( the provider of ToysRus credit ) to inquire about the newly mailed card. Synchrony bank immediately denied any wrongdoing and informed that the card was mine and the application was run under my name. I informed Synchrony Bank that never at any instance I provided my social security number at ToysRus stores. Synchrony bank answer was to go back and resolve the issue with ToysRus store where the credit card was opened. The customer service representative also informed that ToysRus used my previous information from a former credit application from XXXX years ago. 
Regardless which of the entities ToysRus or Synchrony Bank is at fault, the true issue on hand is a credit card application was approved with improper signature, erroneous ownership and wrong social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
I signed up for a financing office through XXXX, serviced through Barclaycard US and the user agreement and deferred interest was not clearly explained or stated as I was mislead to think that it was an non interest incurring financing period, not a deferred period. I would have never signed up for the promotion had I known it was deferred. I was charged {$490.00} of interest on a product that I did n't think would be accruing interest until the no interest period ended. I do n't feel as though I should be responsible for this mislead charge. Their claim is that this is stated on my paper billing, but I get paperless statements and its not reflected there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
While applying for credit I came to learn that I had a judgement against me from XXXX XXXX. I immediately disputed the case with the court because I was unaware of this, and the court it was filed in is XXXX miles from where I live. It was filed in the town where my parents live, and my address was listed at my parents house ( an address I have never lived at ). Someone visited my parents house and asked for me, and was told by my mother that I lived in Rhode Island. I remember my mom telling me this years ago thinking it was someone from school. Come to find out reading the documents filed at the court, they stated he left and envelope on my parents door and mailed a USPS first class stamped envelope to the same address. IF he had some such a thing, my parents would have given me an important envelope. Also, it should have been sent certified, anyone can say they mailed something, they ca n't prove they did. I feel that even though they were told that was not my residence, they continued to peruse a suit in that location to force a default judgement against me.

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