vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is an account that my ex-husband racked up. He was supposed to pay this and did n't. Now, my current husband and I are applying for a mortgage. My husband is willing to pay this off but needs to have it removed from the credit report. They said they wo n't do that and that I can request the credit bureau to do that ( false ). 
While on the phone with them, they repeatedly tried to get information out of my husband ( name, address, etc. ). They threatened to keep calling until the debt was paid and the person was very rude. She had a very bad attitude. In my opinion, I should n't be treated like that if I am trying to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In response to a debt collection letter, I sent XXXX XXXX XXXX a certified letter dated XX/XX/XXXX requesting Verification of Debt demanding the production of certain documents. XXXX responded with a letter dates XX/XX/XXXX. 
On XX/XX/XXXX I sent them a second letter advising XXXX of the insufficiency of their response and again demanding the production of certain documents to verify the debt per the Federal Debt Collection Practices Act. They refused to produce said documents, and in violation of the law continue to report the unverified debt on my credit file. A third letter was sent to XXXX on XX/XX/XXXX demanding the removal of the offending entry on my credit report. There has been no response whatsoever from XXXX to my third letter, which advised them that I would take legal action and report their illegal activities to the proper governmental governing bodies. 
It has come to my attention that the Arizona Department of Financial Institutions fined XXXX XXXX XXXX the sum of {$170000.00} on XX/XX/XXXX after reviewing more than XXXX consumer complaints for engaging in the same illegal collection activities cited here. Please stop them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Unfortunately my husband who paid all the bills and took care of all finances passed away unecpectedly XX/XX/XXXX. Prior to that in XX/XX/XXXX he went to a debt consolidation company which we thought was legit. We signed the agreementa and made the payments. Unfortunately after his death, I had to seek a probate lawyer because he died without a will. She explained their practices and at that time I found none of the payments had been applied to the credit cards which meant all were already in default. She suggested I make a settlement with the credit cards. I did so with the two I thought I had and had contact with. This credit card company has not made any claims to this debt until now over 2 years later. I look on XX/XX/XXXX and it shows XXXX balance so I assumed it was the Citibank I already paid. The only reason I found out is I have been trying to bring my credit score up and I constantly look at XXXX. There was an open collection listed on my report for XXXX. I have since learned it is a debt collector for Citi Bank. I did make a XXXX payment to Citi Bank on XX/XX/XXXX which I thought settled everything. To my horror this is another account. I have ripped the house apart for any type of paper trail on this account and I can not find one piece of paper. We were in desperate financial trouble at the time of his death so I am not doubting that he opened this card. Once he passed I had no acces to any account info because it was on his work laptop which was siezed in XX/XX/XXXX and I had no way of getting in it because of security measures. I did speak to XXXX today and requested account info but looking on XXXX it shows the acct closed collection/charge. 
I honestly thought I was climbing out of this nightmare until I got onto XXXX. I have been getting XXXX # calls but the lawyer said they can continue to call so I assumed it was what I thought was paid off. How can a company do this? It just destroyed my credit history that I have worked so hard scraping and scrimping to repair? I am desperate for 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 2015-07-03 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a XXXX credit card with Capital One and it includes a 1.5 % cash back on all purchases. Yesterday ( XXXX/XXXX/15 ) I saw a Capital One ad on TV stating that XXXX cards pay 2.0 % cash back. I called CapOne today and they said my card is stuck at 1.5 % and only new applicants for Spark cards get the higher rate. They refused to raise my cash back rate. The ad did not specify " new applicants '' ; it mere said XXXX cards deliver 2.0 % cash back. That is blatant false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a checking account on XX/XX/XXXX 2015 through Capital One 360 's publicly available promotional webpage that offered {$400.00} for opening a checking account and completing two direct deposits of {$250.00} or more within 60 days. I made 2 direct deposits of {$280.00} each on XXXX XXXX, 2015 and XXXX XXXX, 2015. However, when I sent a message to inquire about the status of the {$400.00} on XXXX XXXX, 2015, Capital One refused to honor the promotion, claiming, " We were unable to match your name with our list of invited Customers. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had what I believed to be a joint account with Capital One with my ex-husband. The account was opened in XXXX ( by me and using my e-mail address ) and the current credit line was {$11000.00}. We divorced in XXXX and I have been making the payments on the account since that time. The bills come to the house that I own and all payments have been made from my individual checking account. My name is on the bills ; was on any transfer checks that were sent ; and the account appears on my credit report. My ex-husband decided to cancel the account on XXXX XXXX and was able to do so without my knowledge or consent. Capital One is saying that he is the primary cardholder and has the right to do that. This does n't seem fair as I am the one that has made all of the payments for the last 10 years and the one that made sure each of those payments was made on time for the last 16 years. It appears discriminatory to me that my 16 year credit history can be wiped out as well as the {$11000.00} of available credit being taken away from me without my knowledge and without any options for saving my record being offered to me by Capital One. I have called multiple times and written XXXX letters to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Other financial service — Money order
Issue: Customer service/Customer relations — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
I'am XXXX i have a problem with westernunion i lost my money order and i called there the store i brought it at XXXX store in XXXX the women who owns the store where they sell money orders called a women from western union direct and told them to put a cancel payment order on the money order hours later i was contacted by email from this executive guy by the name of XXXX he caused so much delay by not giving me proper instructions he first told me to send to him the documents which i did than almost a week later he contacts me again by email and tells me to send by regular mail not paying attention to the documents i sent by email causing a delay all this time the person who took the money order cashed it i understand western unions policy but because of the delay and response times western union should grant me a refund and investagate it and go after the person on there end everytime i send a compliant to western union the same guy responds XXXX XXXX and i blame him for the delay i have attached screen shots where i asked him overand over did he get the documents and he took days to respond also the lady on the phone from western union told me she was going to help me and this exec got on the case and would not than he said the check was cashed on XX/XX/XXXX but i contacted western union before thank bank even opend so thats just a excuse to keep my money i buy a money order for XXXX every month and iam XXXX i asked XXXX can i speak to someone that was over him he would not respond i also got a call from western union today and they was very rude and told me to stop emailing them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Great American Finance Co
State: GA

Complaint narrative:
On the companies website, they show a due date which is not the correct due date. I made payments for two months and found out that I was late even though I was making payments by the date that I thought was the due date. I told the company what happened and made sure that I paid by the due date they told me on the phone and eventually paid the account off in full. I asked if the late payments could be deleted because their due date showing on their website is not my actual due date and they have told me no numerous times. I even told them this was holding me back from buying a house and they did not care and said no. 

When you are late, they do not call or send an email notifying you that you missed a due date so you can catch it before it 30 days late. They do not send anything in the mail notifying if you are late. The only way you are notified is by a credit report update.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have received six phone calls and messages from Capital One ( XXXX ). My phone number is XXXX. I am on a no call registry and I assume they are trying to reach XXXX XXXX, the previous person assigned this phone number. I have had this phone number for the past year, but constantly get debt collection calls from various companies ( XXXX XXXX, XXXX, XXXX, XXXX ) You were so helpful in helping to stop XXXX XXXX from harassing me. I have Never had any dealings with Capitol One and they regularly call twice a day. I do not pick up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I took a hit to my credit bureau report for a deceptive reason : I went through the checkout line at KOHL 'S department store on XXXX and was asked if I wanted to apply for a credit card. I initially said no. Then was advised I could get 30 % off my purchases if I applied. I again said no, but upon thinking of the discount I would receive off my {$160.00} purchase I then was convinced to apply. Upon being approved and final checkout, I noticed there was no discount. I inquired and the manager or lead came and gave me a {$0.00} discount as you can see from the receipt I included in this email. I was then told you ca n't get a discount on Levi jeans. The cashier is then co-signing this information. This strikes me a surprising that the cashier is now telling me this information as XXXX out of XXXX of my items are Levi jeans. Unhappy with this the manager/ Team lead person reminds me I did get 30 % discount off the {$2.00} shirt. Still unhappy and voicing my opinion about it. She then tells me " If I do n't want the card I can just pay for it all with another method of payment '' I then proceeded upstairs to return all the merchandise. I think it should be noted of this UDAAP violation as it would be a deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have disputed the following item below with the credit bureaus and creditor and have not received proper verification or validation to show this account belongs to me and that they are reporting accurately within guidelines of the FCRA, XXXX and FACTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bepensa Capital, Inc.
State: AZ

Complaint narrative:
I purchased a car from AFS Acceptance approximately 2 years ago. After numerous conversations with them and some unethical statements said to me by their retention " specialists '' I chose to do a voluntary repossession. The account has been closed and they have done a " charge off '' on the account. However, I keep getting credit reports that they are continuing to increase the amount of the past due balance even though 1. I do n't have the vehicle, and 2. I 'm sure they sold the car and got something for it at auction. I never received anything from them after they took possession of the vehicle stating that they sold it and how much they got for it and how much do I truly owe on the account. This type of company needs to make sure that they get their information corrected.

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 2016-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: National Recoveries, Inc.
State: PA

Complaint narrative:
I defaulted on a Federal Student loan. The XXXX XXXX XXXX XXXX has sold the loan to National Recoveries. The loan principal is {$65000.00} an the interest is {$5200.00} and Fees are $ {$17000.00} all of which total {$88000.00} plus everytime I try to talk to the collection agency the amount increases. I am on XXXX from work since the beginning of the year and let the organization know this. Everytime I try to negotiate and speak to someone, I 'm informed that no one is available to help me at the time of my call. I feel like I am being taken for a " ride ''. I have been threatened with Wage Garnishment of 15 % by the end of next week. I am not disputing that I owe my defaulted loans, I dont want to be a consumer that is taken advantage of. I have been investigating the company an I see that the XXXX XXXX XXXX XXXX has dis-continued their contract with National Recoveries. HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
We have been dealing with a foreign vendor that has was not able to ship out a very expensive dog slat mill from purchase time in mid XXXX. This vendor has been desperate to not refund the money and has said what it took for us to consider salvaging the deal. So we had a dispute with him and closed that dispute as he promised to get the merchandise to us. This vendor knew where we lived as he charged shipping as part of the original item quote. He still could not get it shipped to us and I filed a complaint with the CFPB back in XXXX because my credit card company would not re-open the dispute. They only re-opened the dispute after I filed my CFPB complaint. Meanwhile the vendor told my husband in an e-mail that he had to take the item apart to limit weight to send air freight and that if he could n't send it out within a week from XXXX XXXX, 2017 that he would refund our money. We never heard back so after a week and 1/2 I contacted him and he was very rude saying I had called him names and a scam, which is not true. I said I was inquiring about the refund he promised if unable to ship a week from XXXX/XXXX/17. It was now XXXX/XXXX/17. He simply comments he will refund the money if not able to send out. I told him in that e-mail enough was enough and not IF he would refund ... but WHEN he would refund. So when my credit card company ( Citibank ) re-opened the dispute they gave me a conditional credit back. The vendor had NEVER communicated with us since that XXXX XXXX, 2017 e-mail. He never shipped out the item. IF he had we would have had tracking information, etc. SO what does he tell my credit card company? He tells them he shipped the item. I never even saw what he provided my cc company. However, what did they do? They put the charges back on my credit card and now I am over the credit limit. Really? I am their client that they should protect from unprofessional vendors who have a history of scamming people. 
XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX will scam you. : XXXX XXXX I actually just posted on the facebook page about XXXX being a scam artist. 
I did sign, date, and resubmit the emails to my credit card company indicating I want the dispute to continue. The cc company has an obligation to make it right with the consumer. It is a {$1500.00} item, and we absolutely did not receive this item. Being located in a remote, rural area, it is very easy to see if an item was sent or received. I want the credit card company to refund my money and close the dispute recognizing that the vendor is fraudulent and again owes some level of protection to the person they have obtaining credit through them.

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 2015-10-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I opened a checking account for my son before leaving for college, for the purpose of transferring funds as needed. XX/XX/XXXX he 's doing his XXXX out of state. The problem is this institution has very limited branches. When my son received his first check I instructed him on where to go to deposit his payroll, to our surprise they held a portion until a week later. We called the bank for explanations, with the understanding that was handed over along with the advice of making more deposits the better. Next pay period same thing happened, once again we called got different advice and spoke with supervisor, she advice he go somewhere else to cash it, meanwhile I 'm here home borrowing money getting money orders going to XXXX to deposit into my acct. and transfer into his. 3rd time he cashed it and he then went out purchased a money order and went out the way to find a XXXX to deposit into his acct. so that it can be transferred back over to my acct. THEY HELD THAT AS WELL! Made a call again new advice. HELP PLEASE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 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: International Computer Systems, Inc.
State: NM

Complaint narrative:
Received a collection notice from First Collection Services ( " FCS '' ) on an old XXXX Internet/Phone bundle account that was discontinued XXXX, 2015. 

I sent my XXXX 's final bill to FCS as proof to show that there is no balance due on that account and that no money is owed. 

FCS however disregarded the furnished evidence of absolute facts, but rather chose to validate the charge on outdated information obtained from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
My father died XX/XX/XXXX and is survived by my mother. My parents have joint savings account with Capital One Bank ; this is their only source of liquid funds. My mother XXXX and has XXXX. My parents intended that I handle their business affairs when they were unable to do so, and gave me a [ dual ] durable power-of-attorney prior to my fathers death. Mother is unable to deal with her own business affairs. To be able to pay for her ongoing living and medical expenses, I submitted a copy of the dual POA to Capital ONe Bank in addition to another legal form they requested on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I called Cap One to check on status of the documents I had sent. I was told by rep that the POA was confusing and needed more specific workding but he could not tell what wording was needed. I called back [ XXXX/XXXX/XXXX ] and talked to rep to get clarification ; he referred me to rep [ manager ] and I was told that the POA was not acceptable but they could not tell me what workding or format would be acceptable. Over the next week, I drove to my mothers residence [ XXXX miles away ] and took her to our attorney. A new POA was completed that stipulated clearly that my mother gave me POAover all of her affairs including the ability to manage her ' ... assets, liabilities, and business affairs ... ''. On XXXX/XXXX/XXXX, I sent Cap One the new POA and the death certiificate as requested by the customer service representatives. I requested something in writing from Cap One to confirm they had received the documents. I did not receive a confirmation. On XXXX/XXXX/XXXX, I called Cap One to check status of POA ; I was told it was in the legal department, in process and nothing can be done to speed the process. I emphasized the time critical nature of this [ both verbally & writing ]. On XXXX/XXXX/XXXX, I called Cap One again to check the status of the POA. I was told it was still in process but I should hear something in the next two days. On XXXX/XXXX/XXXX, I sent a letter to the CEO of Cap One expressing my frustration and asking for his help to expedite the process. On XXXX/XXXX/XXXX, I received a call from Cap One Corp office asking me to call back. On XXXX/XXXX/XXXX, I called the corp office and I was told they had never received the documents I sent on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I resent the documents via email attachment and the corp office confirmed that they received them and ghe documents were being reviewed by the legal team. On XXXX/XXXX/XXXX, Cap One called to tell me the POA documents were unacceptable. I asked what wording or format would be acceptable and I was told they could not give legal advice but that some workding more specific to having authority to do banking might help.

Company response to consumer: Closed with explanation