vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-16 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: Kriya Capital, LLC
State: TN

Complaint narrative:
We sent back XXXX XXXX XXXX equipment on XXXX XXXX and XXXX XXXX XXXX received the equipment a day later on XXXX XXXX. Debt collector started calling me on XX/XX/XXXX a few times a day. Finally I answered the phone on XX/XX/XXXX. Told them that I do n't owe anything, I sent the equipment back to XXXX XXXX XXXX and they should contact XXXX XXXX XXXX. Told them to stop harassing me. Instead of contacting XXXX XXXX XXXX they kept harassing me by calling a few times a day. On XX/XX/XXXX I answered the phone and told them the same thing again. Then I got a letter from the debt collector to pay or dispute. Which I 'm disputing it. I called XXXX XXXX XXXX again just to make sure that I did n't owe anything, which I do n't.

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
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Despite my repeated requests to be removed from Capital One 's mailing list for credit card offers, I keep getting them in the mail. I have called, left messages, and talked to people with guarantees that I am off their list yet I keep getting them. I am already on the non-solicitation list with my credit report yet Capital One keeps mailing me offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i feel capital one is the best bank ever so i want to give this feedback sent letter to CEO I have been on both my cards a very loyal customer and i also have had a very rough last few years including but not limited to high medical bills. etc i asked for a loyalty XXXX dollar credit on XXXX card and was told there are notes not to give it. while i understand your side please know it makes me feel uneasy when notes are put on my account. please take them off. i will use my car minimally now as i feel uneasy yet acknolwedge the help in the past. please know i have been as a result a very loyal customer. Please take notes off. it is a deal breaker for me. XXXX dollars XXXX more time esp with the new XXXX account i opened would have been a nice gesture. I have XXXX XXXX in medical debt for my child. Still a good bank. no notes please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX/XXXX/15 We paid {$5000.00} to XXXX XXXX XXXX via out Citi Card Credit Card. 
XXXX/XXXX/15 Called Citi Card to dispute amount secondary to advised by our health insurance company we were not obligated for the full {$5000.00}. 
XXXX/XXXX/15 Received letter from Citi Card requesting we provide them the name of our insurance company, settlement date of claim, amount Insurance Company paid and our obligationXXXX/XXXX/15 Faxed over all requested items, stating our responsibility to XXXX XXXX XXXX was {$2600.00}, there leaving a credit due to us for overpayment of $ XXXX Received credit on credit card of {$1200.00} from XXXX XXXX XXXX Received letter from Citi Card asking if the {$1200.00} settled our dispute, replied back to letter via fax on XXXX/XXXX/15 stating no this did not settle our dispute as the total amount of dispute is {$2300.00} therefore we want to continue dispute for the additional $ XXXXCiti Card has had all information to process this dispute since XXXX/XXXX/15. There is still no remedy to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MiraMed Revenue Group LLC
State: IL

Complaint narrative:
XXXX XXXX sent their invoice to my secondary insurance carrier ( XXXX ) for more than a year -- and not to my primary insurance XXXX. I made two phone calls and sent FIVE letters telling XXXX that they had to bill the PRIMARY insurer first. I even made sure this was changed when I was AT the doctor 's office. I do n't know if they never did this, or if they waited the year and a half before they did so, but at that point ( 1 1/2 years after the dr visit ) my company changed insurace to XXXX. Apparently now XXXX is not paying since it is so long since the original visit -- and I ca n't blame them. XXXX is at fault for not billing the correct insurance company in a timely manner. I would be willing to pay what I would owe AFTER what the insurance would have covered, but I am not willing to pay this entire $ XXXX bill that is XXXX 's fault. They have now filed with MiraMed Medical Group, a collection agency to collect this bill and this company is not interested in how this came to be. I 'm about to buy a house -- and I have a STELLAR credit rating -- so I do n't want this diminishing my credit score! Please help! 

I do have copies of the letters I have written, but would need to take cell phone photos and email them to you, I do n't have a scanner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i had service with XXXX. I use to pay my bill at store. until somebody used my personal information and payed online with checks from other victims while i was giving cash to this person because i was busy working. Also, XXXX fraud specialist team did not solved a fraudulent transaction from a moving truck company in other state way far from my origin state ( CA ). they gave me a new card and put my balance back to how it was before the fraudulent activity and a month after the same truck moving company took the same amount as the first transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 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: MI

Complaint narrative:
This company has garnished my bank account for a Capital One account that does not belong to me and viewing all of the other various other complaints against this company, I am not the first person that they have done this to. My first phone call was to my bank and they advised me to contact the court house which I did. When I gave the court house the Case number associated on the paperwork I received from my bank she advised that the case was named to someone with a similar name to mine, but not in my name. She also advised that the case was from 2007 and that the summons for the court case was not ever served to anyone and she could not explain how that happened and could not offer any additional information and advised me to contact the attorney handling the case. I contacted the attorney and spoke to a representative that could not provide any information other than to set up a payment arrangement on an account that was not mine which is absurd! I asked her for the process servers name and telephone number so that I can get the information on who and when this summons was served and she advised that she did not have that information and transferred me to an actual attorney by the name of XXXX XXXX ( who is not the attorney listed on the paperwork I received from my bank. ) He could not find my account in their system whatsoever. He listed addresses and last XXXX of social security numbers asking if they were mine but none of them were ( the name on the paperwork is not my name and this account does not show up on my credit report either but somehow it is being garnished from my bank account. ) XXXX XXXX could not offer any help at all because he could not even find the account with their file number that was listed on the paperwork. He asked me to scan and email the paperwork that I received from the bank to him which would not be a problem except for the fact that I do not have access to a scanner and my only bank account is overdrawn and my bank said that they can not release the funds until they receive a release from the attorney 's office ( that apparently ca n't find the account. ) Meanwhile, I am being charged with late fees, overdraft fees and have NO money and no one can assist in resolving this. I have already filed a complaint with the XXXX so my next step is to contact the MI Attorney General along with getting an attorney referral in my area for someone that specializes in these types of twilight scenarios!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I believe that Chase has improperly applied payments to my credit card in the wrong order. 

This has happened twice. I had a promotional balance of some thousands of dollars at XXXX % interest, and an purchase balance of a smaller amount for about XXXX %. When I made a payment, Chase split the payment according to the percentage owed so that not all of the purchase balance was paid off and accrued interest. According to the XXXX of XX/XX/2009, XXXX Chase ought to have applied my payments first to the high-interest balance, then to the XXXX % interest balance. 

I should add that the clarification relating to deferred interest payments does not apply in this case, because I was also not anywhere close to the last XXXX billing cycles preceding the expiration of the deferred interest period.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
There is a number that keeps calling me and my family members requesting I call them with a claim number ( XXXX ). I have called them back twice. The first time I called they answered the phone " legal department '' the second time I called they said " mediation department ''. They claim I owe debits to a payday loan company from several years ago. I have never done business with any of the companies they claim I owe. The stated if I did not pay the " settlement '' then legal action will be taken against me. They could not provide further informaton about the loan in question. I do not owe this debt and they continue to call me and my family members. I can not get them to stop. They do have my personal information. When I asked them the name of company they work for I was told it was XXXX XXXX out of XXXX Maryland I do not know how to get them to stop and protect my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Per a class Action Law Suit and Settlement Case # XXXX. Represented by XXXX XXXX, XXXX, MD I was included in a XXXX XXXX dollar Settlement won against Capital One Auto Finance for illegal practices re : Repossession by a Md Court Order. The Settlement was finalized in XXXX 2015. I have clear documentation that states that as part of the settlement ; derogatory, negative information will be removed for Plaintiffs and replaced with Positive Credit reporting via all XXXX credit bureaus. I am hopeful to upload this document for your review, in the event that is not possible please search XXXX Settlement and this has all the details. This is not private information and even more surprising that I to date HAVE ALL NEGATIVE REPORTING FROM CAPITOL ONE AUTO FINANCE AT THIS LATE DATE. The most disturbing part is as a consumer I have been harmed by recently being DENIEDCREDIT! In seeking Legal Counsel this is UNACCEPTABLE! I have tried to no resolve reaching XXXX XXXX whom I spoke to once and he ALSO confirmed this should have been resolved, I called endlessly to the Law Firm that handled the case for Capitol One, XXXX XXXX, XXXX ( XXXX ) XXXX I was bounced from voicemail to voicemail and completely ignored. I tried all attorneys mentioned in public documents regarding Capitol One and this Settlement! I reached all XXXX bureaus begging, calling daily all noted in phone records, for help launching several investigations and disputes only for them to come back saying Capitol One CONFIRMED THE NEGATIVE INFORMATION! This is completely exhausting and just down right wrong. It may not matter to anyone but it is impacting ME! as I can not sleep at night and am suffering XXXX over an issue that should have been resolved Months Ago by Court Order. The Bureaus collectively show NO EFFORT OR CONCERN AND HAVE DROPPED THE BALL! I HAVE SUPPLIED THAT SAME DOCUMENTATION MENTIONED HERE BUT no RESOLVE. I CAN NOT AFFORD AN ATTORNEY TO FIGHT THIS BUT VOW TO FIND SOMEONE THAT WILL ASSIST. This is not right!! Please assist! My credit report for ALL XXXX bureaus after careful research should read as follows : CAPITOL ONE AUTO FINANCE, INSTALLMENT LOAN, HIGH CREDIT {$18000.00}, PAID AS AGREED, SHOWING NOT LATE STATUS! Any efforts towards expeditious resolution in this matter is GREATLY appreciated. THIS IS NOT A MATTER THAT CAN WAIT THE NORMAL 30 DAY PROCESS I HAVE AN APPLICATION PENDING AND THIS SHOULD HAVE BEEN RESOLVED MONTHS AGO. I NEED UPPER MANAGEMENT TO TAKE CHARGE AND GET THIS STRAIGHT. I at this point not only have anguish over this but now have damages as I have spent numerous hours of time calling, scanning, printing, downloading reports, postage, mailings etc. I am beyond livid as this is UNACCEPTABLE. ITS ALL IN WRITING BY COURT ORDER! COMPLETELY EXHAUSTED AND IN DISBELIEF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13 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: WA

Complaint narrative:
I 'm receiving daily calls ( usually XXXX or XXXX calls per day ) from XXXX ( Capital One collections department ). I am not a Capital One customer and owe them no money. I 've called them XXXX times requesting that they cease calling me, but they have not.

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

Complaint narrative:
I received a credit card from Capital One XXXX ago. after the XXXX payment thebalance was supposed to increase. Lol and behold all of a sudden therere was a problem with my bank. Capital one says the bank send payment back. The bank says Capital One set it back to them. And the same thing keeps happening and the interest went up too. I was interested because I wanted to restablish my credit. I was an unsolicited offer also. I have talked to them several time about this and the fact that they ca n't add. I looked at my statement tonight and it shows a payment posted but the total available balance is not correct. And still shows I owed the payment for theXX/XX/XXXX payment which had posted. When chatting with the rep. he apparently went in and XXXX it out but then it showed XXXX due on the due date, which was already posted and payed. I hope all this is getting through, because it is moving off the page and ca n't see the part on the right side. I think this is a scam on the part of Capital One and wonder if other XXXX and over people like me are having the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a credit card with capital one they restrict my account because they think it 's a fraud issue. Have so many problems because I sent my personal information more than 5 times even if speak with some one to make sure they receive it. After confirming 3 days after manager who handle my case transfer out to another department and I have to resend my I formation again. No one in customer service can resolve the problem because every time they have someone different and I have to star over the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX/XXXX/2017 charges were declined on my Capital One Venture card. XXXX/XXXX/2017 contacted Capital one and was told that the account was closed but had no explanation other than to say the card holder agreement allowed them to do this for business reasons. They stated that I should receive a notice in the mail soon. As of today, XXXX, I have not yet received this notice. What I did receive today is a notice from Kohl 's indicating that my Kohl 's credit card account was being closed. It just so happens that my Kohl 's card is issued by Capital One. This notice states ... '' The reason ( s ) for our decision is as follows. We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family, or household purposes. '' We only use this card for personal, family, and household purposes so I have no idea what they are suggesting. They have never notified me of any issues in the past. We always pay our bill on time and in full. Capital One 's own credit reporting indicates a XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I filed a complaint in the pass that capital One said I am owing themcertain amount which I have fully paid off and yet Capital One is stillcalling me that I owe them. I am still getting calls from one XXXXwho said that I should call her to discuss the amount I am allegedlyowing capital One. I am complaining that claim and I am stillcomplaining about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One promised a low interest rate that was never honored and then increased interest rate over 24 %. I just want this predator deceptive Bank removed from XXXX, XXXX & XXXX or willing to share with Congressman XXXX XXXX and speak in XXXX, and discuss how Big Banks appear to be Untouchable!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I set up a bill payment on XXXX XXXX that my bank did n't send out and I caught the error on XXXX XXXX, then promptly called to make the payment and waive the late fee because of a bank error, before any late fees had been assessed. I made a payment XXXX XXXX of my normal monthly amount of {$25.00}. I got XXXX calls, XXXX at XXXX, XXXX at XXXX and again at XXXX from them on XXXX XXXX. They had apparently applied the late fee to refund to the account balance rather than to the amount due, and they told me I now owed them {$65.00} by XXXX XXXX. They ( now speaking with a manager ) said that they wo n't refund the XXXX late fee until that amount is paid in full, and that they will apply it to the account balance. They said that I was n't being punished for the bank error on the phone, but this is just the way they operate. She also insinuated that I was in the wrong in asking her to fix my monthly amount due rather than applying it to the account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 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: CA

Complaint narrative:
Capital One. They sold the account some XXXX times over and was paid through my taxes. Each time they update it per your law that states Federal Law FCRA 623 ( a ) ( 5 ) cb ( iii ) Pursuant to CA law they are going beyond the statue of limitations as well ( full disclosure act XXXX ( 3 yr statue of limitation. This is year 7 It is listed as Capital One sold to XXXX XXXX another new date of XXXX was taken off on XXXX and then finally sold a XXXX time to XXXX and started a new date of XXXX. They have yet sold it again to a company out in XXXX, CA All of this is illegal and they are not following federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was an authorized user on my mother 's Kohl 's card. I was told by my loan officer that I needed to be taken off in order to get a home loan. On XXXX my mother, the cardholder, called customer service. She spoke to XXXX, and he told her I would be taken off and a letter would be mailed. We never received a letter. So on XXXX we called customer service again and talked to XXXX in XXXX. She reported that I was still on the card as an authorized user and that she would take me off that day. She reported that Kohl 's has a " no emailing '' policy. So she could not send me an email confirming this. She said I would get a letter in 30 days confirming this. This is 2016. I highly doubt there is a no emailing policy. All my loan officer needs is one email from Kohl 's saying I have been taken off. The XXXX housing market is hot. I am incurring money damages with each day I am unable to finalize my loan. I am losing my chance to get a home loan because of a kohl 's card that is n't even mine. I believe there may be an unfair business practice underlying their constant refusal to take me off as an authorized user. They have not reported my status to the credit bureau even though I have asked them twice now. This is having a significant impact on my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I checked my credit report on XXXX XXXX and it states I have a Capital One bank account with a limit of $ XXXX that I never opened in XXXX. I 'm born in XXXX. I never had a bank card at XXXX Someone has hacked my identity and I never noticed until now. I do not have a bank account with Capitol One. It is stolen identity.

Company response to consumer: Closed with non-monetary relief