vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I found a debt collection on my XXXX credit report XXXX XXXX. I had very little information to go on accept the original creditor. After calling orginial creditor, who verified the debt was from XX/XX/XXXX, they gave me a number to call the debt collector, Credit Collection Services. I proceed to call the number for this debt collector. I informed the debt collector that I had never received a notice of right to dispute. The address they had delivered the first notice to I had moved out of XX/XX/XXXX.. So, In short I tell the collector I have proof that I moved out XX/XX/XXXX and they told me their first notice came to that address XX/XX/XXXX The mail was never forwarded and I was never made aware of the collection. I informed the collector this is illegal and against my rights. The collector hung up on me with no attempt to resolve this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: LEXISNEXIS
State: IN

Complaint narrative:
I recently divorced and was rescored for my insurance rating and due to information provided to them by a company called LexisNexis that interprets my credit information for the insurance company my rates were raised. Their report to the insurance agency said that I have Accounts with Delinquency, Length of Time Accounts Established, Number of Revolving Accounts and that the length of Time Since Accounts Not paid as Agreed. My response to LexisNexis was1 ) I have had only XXXX 30 day late in the last XXXX years. 
2 ) I 've had credit for XXXX years and the " youngest '' active or cancelled account I have is XXXX and the oldest is at least XXXX years old. 
3 ) I only have XXXX revolving accounts, XXXX are store cards that are rarely used, XXXX card for work and XXXX that were personal. All accounts have credit limits over {$5000.00} that never go above XXXX and are paid off monthly4 ) It 's been XXXX years since my only late payment ( XXXX days on a XXXX XXXX Revolving Store Card ). Is that not long enough since my last delinquency? The mortgage company did n't hold it against me. 
The biggest problem with this issue is that LexisNexis interprets data for the insurance company that then provides me with a rating and insurance premium based only on the " issues '' reported by LexisNexis. The rep I talked to today at LexisNexis said that my " issues '' make me a high risk for a claim. Since I 've divorced recently I also had to get a mortgage. The mortgage was obtained with no problem since I have an excellent credit rating and history plus a XXXX middle score. How can my credit make me a high risk for insurance claims but a fantastic risk for a mortgage. Does LexisNexis earn extra or benefit in some way for reporting me in such a negative light? After a lengthy conversation with the insurance company it seems that the only problem with my insurance rating is the report provided by LexisNexis. The insurance company has confirmed that my claim history is good ( no claims in over XXXX or more years ) and I 've been continuously insured for over XXXX years. The score with my ex-husband was a XXXX even with my better credit history and his at-fault accident. Please help me to resolve this issue and get the rating I have earned. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
For the last 3 weeks for 3 times each day, Saturday and Sunday as well, Capital one bank has called me and left a voice message about my account. I have told them to stop and they are refusing to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX 2015 Capital One Bank USA NA credit card balances were paid off by XXXX XXXX XXXX company in which I am paying them off in the form of a loan. The payments to the bank were considered a charge off and a zero balance exist yet they are still leaving negative comments on XXXX credit report bureaus. Because of the negative comments I am unable to get a loan or open a line of credit with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After talking with multiple departments to combine my capital one credit cards to lower the interest rate, today I am frustrated with a customer service rep who addresses my concerns, with " Oh my god '' after I respectfully ask to speak to a manager. I was told that I could combine my credit cards from Capital one to the lower interest rate almost 3 weeks ago and that I would receive the confirmation in the mail, today XXXX, employee ID XXXX, supervisor that informed me that nothing could be done and the previous representatives was wrong. My complaint is gross miscommunication, unprofessional behavior, failure to provide accurate information/plans a consumer can participate. Speaking to a customer in a unprofessional manner such as I was today. Totally unprofessional and uncalled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
CapitalOne sent a credit card offer addressed to a person at my business that has never been associated with either my business or address. Not only have I been here XXXX years, I also knew the people that lived here before who lived here over XXXX years. When I called their Fraud Dept, it took well over an hour to get to someone who could finally get me an answer. They said they had gotten that name from public record. When I researched the local, state, and national public records, it became abundantly clear they had willfully and intentionally lied to me about it. I can only assume this was in an attempt to cover up their continued and unchecked proliferation of identity theft. A little harsh? Perhaps not as credit card companies are by far the primary reason identity theft has become such a huge problem worldwide that has destroyed XXXX and XXXX and XXXX of lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Synovus Bank
State: GA

Complaint narrative:
I have been XXXX by Synovus Financial on XXXX loans. Predatory loans from what I can tell. back 10 or so years I asked XXXX ( owned by Synovus ) to convert my equity line into a standard loan so that I could pay it off over time and not incur any further debt via the original equity line of credit. 

You see, the idea was to extract myself from debt so that at some point I could enjoy financial freedom. However XXXX XXXX and Synovus has mired me into a predatory loan debt trap of the likes I do n't think I have heard about previously. 



Mind you at this point in time in life I trusted bankers to not take advantage of me or others. Trusting a banker was my mistake, I trust them about as much as I trust lawyers, I have quite a few attorneys in my family and I do n't even trust them. But I digress. 



I was pushed into a note with a balloon on the end of and a somewhat higher interest rate and was told that was the only sort of loan that the bank could move me to. I honestly felt I had no choice but to do the note. When the note came due with the balloon I went down to the bank and was yet again herded into another short term loan with a balloon and a rate quite well above the going interest rates of the time. Mind you all of this time I had never missed or been late on any payments to the bank and yet was forced into a very high interest rate loan. It was only in the last 12 or so months that I had ever been late or missed a payment. 




When the XXXX loan came do along with the balloon, I was yet told I was a risk and that I would have to endure yet another short terms extremely high interest rate and that there would be no balloon this time ( just crazy high interest rates and payments ). Again, I had never missed a single payment on the previous note. 



After I received a statement a couple of months ago, I realized that I pretty much owed the bank the same amount of money that I owed 10 or so years ago, that all of the money paid into the XXXX balloon notes basically paid the interest only, and hardly ( if any ) principle. Only now in the third loan that some actual principle be paid down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My Capital One credit card ending in XXXX shows an available balance of {$84.00}. It was over the limit recently, but I made XXXX {$70.00} payments and had XXXX {$35.00} late fees waived. 

I can not use the card however. Capital One says it is past due and over the limit. Yet it shows {$84.00} in credit and no payment due. 

Also, I do n't understand how I only have {$84.00} in credit available, when I made {$140.00} in payments and had {$70.00} in late fees waived. 

I 've used the Capital One online chat service twice and can not get a satisfactory answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I submitted a complaint thru CFPB regarding a fraudulent account Capital One is trying to collect on. The stated they verified it was mine sent me a bunch of bills could not supply me with a credit application with my signature or anything because it was submitted through the internet by someone who stole my identity. all they could supply was copies of the bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My first is XXXX, Last name : XXXX XXXX last XXXX digit of my social XXXX XXXX, XXXX XXXX am residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.This address is commonly known as XXXX XXXX XXXX XXXX XXXX, NY XXXX address was wrongfully reported by capitalone as XXXX XXXX XXXX XXXX XXXX, NY XXXX which does n't match with what XXXX, XXXX , XXXX have on file.In order to fix the issues I spoke to capitalone supervisors, unfortunately they could n't help me to update my real address.I spoke to XXXX XXXX XXXX XXXX is capitalone supervisor.Currently there is fraud alert placed on my equifax, XXXX, XXXX credit report.I 've been victim of identity theft XXXX in less than six months.Capitalone customer service was helpless.I am US citizen, it should n't be some citizens with half rights.Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I received a credit card statement from Kohl 's with XXXX transactions charged to the account totaling XXXX which I did not recognize. I called Kohl 's and it was discovered that these were fraudulent charges. I asked Kohl 's to remove the charges and close the account. I also followed up with a letter. To date, I have not received a response from Kohl 's and when i called again was told the matter was still being investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one has been soliciting me aggressively for a credit card after I asked them to stop sending me offers. One time they made me an offer, I accepted and then they closed the account before I could use it. They removed the inquiry off my report as agreed to in my previous complaint. But they have n't honored the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: NY

Complaint narrative:
I am posting this under Deposits and Withdrawals, but it should go into the Problems Caused by My Funds Being Low because these issues mostly affect those of us who live paycheck to paycheck. I have many years of experience dealing with this fraudulent bank. I am an expert about my checking account. I keep very close tabs on it because I live so close to the financial abyss. I am writing this because I have XXXX overdrafts on my account that I incurred in the last three days because : Key bank routinely applies debits out of order which can result in excessive overdraft fees. Key bank routinely holds payments in the Pending Status long after the vendors have been paid, sometimes up to 7 days. 
When the bank account gets credited for the purchase, the record of the credit to the account is placed earlier than the day and time the account is actually credited. 
Key Bank routinely does not apply changes to the account in a timely manner and also applies debits to accounts out of order. 
Key bank routinely does not apply deposits in a timely manner and holds onto deposits to incur excessive overdraft fees. 
Key Bank reports available balances that are not accurate. 
When a cash deposit is made into an account, the cash deposit is recorded in Pending instead of being deposited directly into the account. 
Key Bank incurs regional ATM fees that show up on the account days after the ATM card has been used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-26 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
on XXXX/XXXX/2015, Capital One Bank did not report the correct balance on my account. The company claim they report every month, but it still shows that I owe them XXXX dollars, which for XX/XX/XXXX I only owe XXXX dollars, which is my balance. The company is reporting inaccurate data to credit bureaus XXXX. XXXX and XXXX. So I decided to file a compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX/Capital One Credit Car debt. It is being reported as settled. This company has not provided for me validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX purports to filter lenders based on criteria input by users of XXXX XXXX. 
I specifically requested an equity line of credit equal to the gap between my scholarship and XXXX University tuition. 
XXXX XXXX did n't filter lenders based on the criteria input by me into XXXX XXXX 's filter. 
Notwithstanding my own credit quality, my college buddy agreed to co-sign ( XXXX XXXX / strong earnings history, etc. ) Within 24 hours I received over XXXX offers to refinance my existing mortgage and take money out. If I refi, I 'd lose XXXX XXXX fixed rate and pay prohibitively expensive closing costs. 
I requested a HELOC as advertised. I specifically requested a HELOC and nothing else. 
The following lenders use fictitious HELOC terms to bait-and-switch consumers : - XXXX XXXX - Capital One Bank - XXXX Bank - XXXX - XXXX Bank - XXXX - XXXX - XXXX XXXX Mortgage - Wells Each lender approved a HELOC at Prime +/- XXXX. Each lender pulled the approval for nonsensical reasons. Capital One claimed that my guarantor needed to be on the deed. What 's the point of a guarantor? Reliance informed me that they would refinance only because they do n't make money on equity lines. This is egregious because a prospective borrower could find him or herself in a position whereby a refi is the only alternative. It 's a charade. I 'm confident consumers fall for it all of the time. It 's a con. Do not fall for it before its to late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
We have a trip booked to the XXXX, through Capital One 's travel Center. They have my wife 's maiden name on the ticket. They are refusing to change it to her married name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On the XXXX XXXX XXXX I received a letter from Capital One notifying me that my credit card account was due to be closed because it 's activity was not consistent with the expectations for account usage. Therefore, I called their customer success team to ascertain the grounds for its closure. I spoke with one of their supervisors to obtain more information about the reason for closing my account. She explained that despite the account having regular manual payments made, multiple times a month. The account was being closed due to a couple of automatic payments being returned and the account would be closed. To date I have not been late for a single payment nor have I exceeded my credit limit since opening the account and it has been in excellent standing. I explained that the automatic payments had not gone through because I had not updated my bank settings after changing banks recently and had been making manual payments, this was the reason for the returned automated payments. 

Throughout the conversation I asked her if this was a permanent decision and would she be able to re-open the account given that payments had always been made, and covered minimum monthly payments adequately. She was unable to offer any assistance and was rude throughout the conversation telling me she was not a credit advisor and could not help my situation - quite patronizing to say the least. When I then went on to ask exactly how the " closed account '' decision would be passed on to my credit agencies, she was unable to tell me the classification that Capital One would give for the closure. This is clearly an important piece of information for me as the account was not delinquent or behind in payments. I feel very unfairly treated in this situation as the closure both impacts my credit score and future ability to build credit. 

As an XXXX from the XXXX coming to the XXXX I have been diligently establishing my credit rating and credit history with Capital One. I am really disappointed that their decision to close my account could potentially impact my new credit rating here. In addition, I now can not use their line of credit to build and improve my overall credit rating. 

I am requesting that they reconsider the decision to close my account and keep it open in light of the frequent cleared payments and good standing of my account. Returned automated payments should not constitute grounds for closure given the good standing of my account and I should have first had the opportunity to update my bank payment details to correct this issue. I have also requested a full explanation as to why my account is being closed including citation of any breach of terms and conditions along with an explanations of the potential impact to my credit report, given in terms of how Capital One will report this closed account status to them. 

I hope you are able to assist in the matter and offer any help and advice if at all possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ballybunion Enterprises, Inc
State: AL

Complaint narrative:
We opened an account with Freedom Funiture in XXXX paid as agreed and refinanced in XXXX. We paid as agreed until we became unable to pay the full amount in XXXX. We made an agreement to pay a lesser amount per month and kept paying via allotment. Freedom got a judgement against us while I was training. I was not served with the judgement prior to court or after ... I was informed of it when my wages began to be garnished. They got the judgement in XXXX VA. XXXX # XXXX Filed XXXX. 
I did not sign a contract in VA I signed my contract in GA. They garnished my wages causing finacial distress. I was able to get that stopped through XXXX. However the judgement remains and has severely damaged our credit preventing us from buying a home and upgrading our vehicles. We have asked repeatedly to have this issue fixed based on the fact that the judgement was not served on me ever and the fact that they have caused so much financial distress and ruin. We were told we 'd have to go to VA to fix it. We have in total paid this company nearly {$25000.00} over the last 11 years. for a couch and loveseat, computer hutch, table and chairs. the furniture has not lasted however the payments and ruin continue the judgement says we still owe XXXX. We need assistance as we have tried every other step possible to fix this without aid.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One made a decision about my credit that is obviously incorrect. I attempted to contact them multiple times through their website and customer service lines for assistance, and the only response I got was a suggestion that I open another credit card with them. I wrote a letter directly to their complaint department and still have received no follow up. Capital One 's policy to ignore complaints and hope they go away is not appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I paid off the entire balance of my Capital One Visa Credit Card. Capital One continued to charge me fees on a {$0.00} balance account. When I realized this, I tried to cancel the account. Capital One does not have any easily identifiable way to cancel their accounts listed on their website. It took longer to shut down my credit card account than it did to open it.

Company response to consumer: Closed with explanation