vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Advance America, Cash Advance Centers, Inc.
State: NC

Complaint narrative:
I was first contacted on XXXX XXXX, XXXX by an Agent XXXX that said she represented Advance America PayDay Loans in XXXX, XXXX. I had received a loan from that location in XXXX and had paid on it several times until I could no longer afford it. I later relocated to XXXX. Agent XXXX had my previous address in XXXX and stated that they were filing charges to have me arrested and would be putting me in jail if I did not promise to arrange payments through my bank to her. She called me again XXXX XXXX, XXXX and threatened to have me arrested at work. I agreed to set up payments and was scared beyond explanation. I later found out that they could not do to me what they were saying and canceled my bank card to stop payment. She then called and threatened me again and I informed her that I was aware of my rights and she could not scare me anymore. I have XXXX recordings of her calls. the number that she called from was ( XXXX ) XXXX. During this time, they called my mother in law and told her that they needed my information ( they did n't have it at the time ) in order to press charges against me. After canceling my bank card, the phones calls stopped until XX/XX/XXXX. I was recently contacted by ( XXXX ) XXXX and they left a message for myself and on my husbands phone stating I was wanted for Check Fraud. I returned the call today, XXXX XXXX, XXXX, at XXXX EST to find out why someone would be calling me and saying I committed check fraud ; I do n't write checks and they had used my last name from 7 years ago. When I called, I spoke to a XXXX XXXX. He stated he was calling in regards to a check fraud situation regarding XXXX XXXX ( my bank from 7 years ago ). After further conversation, he stated he represented Advance America and was going to file charges against me and take me to court on check fraud charges. I stated to XXXX XXXX that I was aware of my rights and that I would be filing a complaint against him for threatening me in the attempts to collect this debt. Also, XXXX has a time barr of 6 years. I stopped payment on this debt XX/XX/XXXX. After our conversation, XXXX XXXX company contacted my sister in CA at around XXXX Pacific CT and made an attempt to embarrass me in order to get me to cooperate. A message was left accusing me of fraud on my sister 's cell phone. They then proceeded to call my husband 's cell phone at work at XXXX, XXXX to leave messages accusing me of check fraud and that they are beginning court action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Had An Account With XXXX A Few Years Ago But I Changed My Mind And Decided To Close This Account Like With In 30 Days! I Paid All My Balance Owed On This Account At That Time! Now A Few Years Later Their Trying To Collect The Amount Of {$39.00} From Me And It Shows On My Credit Report That The Account Is Open??! This Is All Wrong!!! Have n't Heard From Them In Two Years And Now Their Trying To Collect Something I Do Not Owe!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was charged {$26.00} by a merchant. I did not receive any supporting documentation for this charge. After contacting the merchant and asking for supporting documentation, I was told that the merchant had none. However, the merchant still refused to refund my money. 

I filed a dispute with card issuer, Capital One. They initially credited the amount and asked for more documentation. I filled out the documentation and sent it back. 

Without contacting me, Capital One rebilled the {$26.00}. I contacted them, and they refused to reopen the dispute. Capital One claimed that in order to win the dispute, I needed to provide a receipt from the vendor showing an amount different than {$26.00}. I explained that I received no such receipt from the vendor at all, which was the issue in the first place. The vendor should have to provide documentation for the charge in order to win the dispute. 

Capital One admitted to not conducting an investigation with the merchant or even contacting the merchant at all. They simply applied the charge because I could not prove a negative ( i.e. provide a receipt which did not exist in the first place ). This is in breach of their duty to conduct an investigation of the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I opened a non-resident transaction/checking banking account at Capital One Bank in 2014. 
Recently, when i wanted to transfer money out of that account ( via internet banking ) I discovered that i could not. I contacted the bank about it, via secure message, and they told me that their " system '' does not allow an account without a SS number behind it to do outward transfers! 
Well perhaps they should have been upfront about that when i opened the account as a non-resident who by definitiion then does not have a social security number! 

So currently my money is permanently stranded in my Capital One Account. 

When i opened the account i explained that i would be operating the account mainly via internet banking and that i would need to be able to do transfers to external US accounts etc from time to time and was told that it would be no problem at all. 

It would be quite easy to get around this system obstacle, but so far I have had no help from the bank staff responding to my messages. If their system is really so inflexible ( and archaic ) that it is absolutely dependant on a SS number in order to operate and do the most basic of banking functions ( like transfer money out ) then XXXX solution would be to add a dummy SS number to my account profile to bypass this system anomoly which can only be described as a major system bug! 
A SS number is simply XXXX way of uniquely identifying an individual and is by no means the only way! In my case my passport number would be a perfectly legitimate and unique way of identifying myself to the system, and there is a myriad of other solutions which could possibly be used as well. 
All it would require is a willingness to help me as a client in order to overcome a problem created by the bank itself, but unforunately so far no such willingness has been forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have nothing in collections. XXXX is not in collections. XXXX and XXXX need to update my credt report immediately. 

My balance with Capital One is {$300.00} less then the aount on y report. 

XXXX XXXX should take off 1 late pmt. I spoke eith them at length before the late pmt. I am on timevwith pmts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
... A company called " XXXX '', which only shows a P.O.Box as address, has tried to " collect '' a debt on behalf of " Capital One, F.S.B. " ; for such I have no knowledge nor I owe anything to that bank/credit ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one is reporting a 30 days late payment from 2 years ago on my credit reports. This is incorrect as I never had a 30 day late payment. It is also showing in the potentially negative on my reports but showing paid as agreed. This account should be showing in accounts that are saitsfactory. Having this incorrect information reporting on my reports is causing me difficutly in obtaining substantial credit as it is reflecting negatively on my credit score. I have contacted capital one several times in requesting that this information be corrected and updated. I was told that it would be corrected that was month 's ago. I just checked my credit reports and it is still not corrected. I am submitting this complaint because I do n't seem to be getting anywhere with capital one. I have never been late in paying this credit card especially more than 30 days and it is from 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ballybunion Enterprises, Inc
State: NY

Complaint narrative:
XXXX / Military Credit Services charged me {$5900.00} for air travel to XXXX XX/XX/XXXX. The cost of the travel at the time was {$3500.00}. 

I asked for less interest and a lower rate but was told that that was what they had to offer. I took the offer because my father-in-law died suddenly and I had myself and my XXXX children to purchase tickets for with very little time to spare or available resources. 

I did the best I could and paid {$360.00} mthly on this loan since XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX, I could not afford the pay back amount anymore as I relocated and had a lot of unexpected expenses. 

The company ( Military Credit Services ) reached out to me and I always took their call and responded to their emails and explained what was happening. I requested several times that they re-negotiate the loan so that I could pay less. They refused and continued their collection efforts. First they attempted to withdraw money from XXXX of my account XXXX different times. XXXX of the accounts is an account that they had the information for at the beginning of the loan but was told shortly after not to use and another account number supplied to them. 
Second, they reported the collection to the credit bureaus as XXXX separate loans for {$4200.00} with XXXX different account numbers. All this time not accepting my request and offer of a lower payment. 

How do I get this company to1. re-negotiate the loan and allow me to pay less on a mthly basis. 
2. remove the negative reporting as I did not refuse to pay I kept asking for a lower payment and was denied. 
3. Definitely remove at the very least the double reporting that they did - which makes it seem as if I owe them {$8500.00} instead of {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one is refusing to remove a duplicate charge which has an identical amount from the same merchant. 
The merchant is XXXX and the amount is {$68.00}. See attached screenshot of account for further details. I 've spoken to them about this and they are unwilling to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was proposed to get KOHLS card at the cashier for the discount. They told me It would not effect me if I open but not use it. ( that is lie, because as I know now, it effects my credit score ) unfortunately I took it, but I destroyed it at home. After about a month I bought something at their store, using my CAPITAL ONE card, which they swiped, but took money from the account they opened for me, without even telling me they did! Now I have an inquiry for late payment ( How could I predict, They swiped my capital one card and took money from KOHLS card I did n't even have? ). 
They are unable to resolve the problems they created for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have XXXX ( XXXX ) credit cards from Capital One Bank. I attempted recently to combine my cards and Capital One denied me with good cause as according to there website, I did not qualify. 
I worked very hard for over a month to meet the requirements. I attempted again meeting the announced requirements and yet again, I was denied. The requirements listed were : " XXXX of my cards must be in good standing, XXXX of my cards must be at a XXXX ( XXXX ) balance, both of my cards must be linked to online banking, and neither XXXX of my cards should have pending transactions ''. I called the bank and was told they could not tell me why I was denied because I met all the requirements. I also filed against the bank VIA XXXX. I received the same response from the bank VIA the " XXXX '' as I did from the customer service reps. All I want to do is combine my cards to make it easier for me to manage my credit and pay my bills. If this is not possible and the account combination is a hoax, it is not funny and it should be taken down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently paid off a credit card that I had with Capital One. I noticed via my online account that the payoff amount was n't posting to my account even though it was withdrawn from my bank account the following day. It took over a week for Capital One to post my payment. Other payments in the past posted the following day. This one however did not show posted for six days. That was enough time for Capital One to then charge me XXXX dollars of interest, which I noticed today. When I asked for the 2nd time why they were holding the payment, which they had never done before, I was told they do that sometimes. I asked what are reasons for doing that sometimes and not all the time? I was not given an answer. 
The person kept repeating themselves as if they were a robot. The super- visor did waive the interest charge but would n't answer my questions as to why my payment could be held for an amount of days " sometimes '' and other times not. I feel that when payments are made to accounts to pay them off, they hold those funds and do n't post them to the account for a number of days so interest can be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Capital One : Credit card Savings account Checking account Yesterday, Friday, I withdrew funds from the savings account and the checking account and made payments on the credit card before XXXX ET. I am attaching one of the confirmations. 
Capital One posted my payments, but will not make the funds available for me to use until XXXX XXXX, at least 12 hours after the transactions posted to my account. It is now XXXX XXXX. 

I do n't know what is happening with my money, at this moment. The bank has it, and is not making it available to me. I asked the bank what is happening with my money, and the bank was not very detailed in their response. See the attached chat transcript. 

Absent more information from the bank, I can only assume that they have taken my money and are lending it to someone overnight, getting interest on it, and not sharing that income with me. In other words, it appears to me that the bank has converted my money to their own use, without my consent, and is profiting from it without paying me for the use of my money. 

This is analogous to a homeowner with solar panels. Sometimes the homeowner uses the energy and sometimes it goes to the power company - the power company uses it and pays the homeowner. In this situation with Capital One, sometimes I get to use my money by using the credit card and sometime Capital One gets to use my money. Like the power company pays the homeowner, Capital One should pay me. 

I would like to get paid for the bank 's use of my money. 

When I was filing this complaint, I was asked to identify the bank. I noticed there are many Capital One entities. I do not know one from the other. So, I am attaching the " Contact Us '' information from the website and a screenshot that shows the URL and the bank 's chat welcoming screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capital one bank suddenly cancelled my credit card account and refuses to provide a specific reason. My account had an excellent 10 year history including no late payments and a XXXX dollar credit line. My credit score is XXXX. The letter from capital one was very vague and ambiguious. Capital one also cancelled my kohls credit card that had the same excellent history. As a result my credit score will decrease. I researched the web and found numerous other people with the same situation. It is very likely capital one will not do business with people that pay their balance every month and do not generate interest revenue for this awful bank. Thank you in advance for assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi. We are XXXX XXXX XXXX XXXX. On Friday, XXXX/XXXX/15 XXXX XXXX Pacific time, we called ING Direct bank to close our savings accounts. ING Direct XXXX bank is an online/internet bank that is now owned by the Capital One bank. Our call was routed to a representative named XXXX. XXXX without our permission opened a new account for me ( XXXX ). Her action is the exact opposite of what we intended to accomplish. We believe the bank records telephone conversations and our equest is that someone listen to the recording. At the end of the call XXXX transferred the call to the security department to finish the transaction. Our thought was that the final step was required to close-out the account. XXXX transferred the call to XXXX in the security department. XXXX said " he does n't understand and that it show on his screen that we tried to open an account and that the call was transferred to him due to security issues regarding opening an account. XXXX mentioned that once our call ends he will talk to XXXX regarding why she tried to open account ''! We thought the matter was resolved with XXXX 's help. Howeever, about XXXX hours later we received an Email from Capital One - ING Direct XXXX - that in order for us to finish setting up our newly created account we need to call the bank. Let us repeat, WE DID NOT call to open an account. The intention of the call was the exact opposite, we called to close our accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LEXISNEXIS
State: OK

Complaint narrative:
This complaint concerns a credit reporting agency LexisNexis case # XXXX I requested my credit file from them over 8 months ago and have not received my credit report from them to this day XXXX LexisNexis sent me a letter stating they could not identify me as being who I am. and asked me to send them my identification and address in which, I did send them my drivers license with the correct info and my correct address. That was 2 months ago and still have not received my consumer credit file from them. I would like the CFPB to do what needs to be done to shut this agency down or take further action against this consumer credit reporting agency for the consumers. Thank you for your help I will wait to hear from your office concerning this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried to dispute information that is being reported by Kohl 's credit card as being inaccurate by calling Kohl 's credit department multiple times. Kohl 's marked my credit report as being XXXX months late. Even though I told them it was n't my fault and I believe the fault lies more with them ... the reason being because I am signed up for paperless statements and emails all went to my vast junk mail without me ever knowing, because Kohl 's sent me an excessive amount of spam email in a short amount of time, my email service considered Kohl 's junk mail by default. Kohl 's blamed me and said they would not dispute the marks against me, even though I was acting in good faith and trying to work with them. Kohls ' options for paying my bill make me very nervous because I had to give my routing and account number over the phone which I was hesitant to do for a long time. Also my Kohl 's account number is hidden on the statement and they refused to give it to me over the phone, so I could not pay the bill in a manner I felt to be safer such as online bill payment ( where my bank has an account designed specifically for paying bills in a protected manner ). I can not believe Kohl 's policies on this. They need to be more respectful of the amount of excessive emails they send and they need to supply their customer 's their account number so the customer can pay in a comfortable safer manner. They also need to take a customer 's dispute more seriously, because the laws now are very strict in when it comes to a consumer making a genuine dispute and I felt I was treated unfairly, abused and being denied information. What is worse is my life is being negatively impacted this because I tried to get pre-approve for a mortgage and got denied and the banker mentioned Kohl 's! This credit card balance was approx. a small amount of {$150.00} and is now paid including late fees. I 'm getting denied from being able to buy my first home and starting my life as an adult because of Kohl 's abuse of financial power after lack of concern for their customer 's credit report for an error that occurred because of their excessive email spamming. ( screenshot proof of excessive email attached ).

Company response to consumer: Closed with explanation