vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-22 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I signed up in 2014 for a secured credit card and placed {$1000.00} up for colleteral. At that time I was told I would be switched to a unsecured card after 12 months of good payment history.It is now been a little over 2 years and have n't seen any change in that status.I was also told after a banker called the credit card office that it is periodically reviewed.I feel I was lied to on several occasion, being the first, which has been I havent XXXX converted as well I dont see on any of my reports were I have been reviewed by wells fargo for consideration in the unsecured card.I have over outstanding payment history with my bank as a card holder and bank account owner as well.I do feel valued as a true customer and dont being lied too.I do understand they take other things in consideration upon review as well, but the main concern should be my good business with the bank.Why bother putting money into a bank and the bank isnt willing to take a small risk with me as a customer.My report will show I have not had any missed payments on any accounts over 5 years or so and will show a lot of inquiries which arent not mine, but I being penalized for them, not your fault, I do have XXXX open accounts in good standing and a lot closed in good standing as well as good personal loan payments and auto.

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 2016-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I sued my landlord XXXX XXXX XXXX because of fraudulent charges after move out. They wo n't release my security deposit. Before the court date, the landlord sent my " debt '' to a debt collector, Kimball, Tirey and St John LLP. However, I won a judgment at court against XXXX XXXX XXXX XXXX but up to now, the " debt '' is still outstanding on Kimball, Tirey 's website - https : //kimball.virtualcollector.net/. I sent them XXXX letters - debt validation, and a letter with the judgment attached. They still have the supposed debt outstanding on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I never received a bill for my Kohls Charge due to email delivery and spam. Kohl 's had my home mailing address as well as my phone number but did not use it to contact me until the bill was overdue more then 30 days. Upon being made aware of the bill, I immediately paid it in full. This item should not be on my credit report as it is not truly representative of the events that took place. Kohl 's has been very uncooperative and refuses to look into their poor billing practices. My credit lines history is long and have been flawless for over 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I completed school in XXXX and experienced financial hardship and was unable to repay the debt owed. I have ( XXXX ) dependants that rely on me and my income is very low. I requested a deferment program due to financial hardship in XXXX XXXX via The Economic Hardship deferment program and the application was mailed to you ( see copy ). 
In XXXX I advised you too take a partial payment from my XXXX tax refund and this was offset by the IRS and the balance I was advised, would be deferred until XXXX XXXX. My request for deferment was mailed to you but still this account is reporting a default on my credit files and this incorrect information is causing me extreme financial hardship. The matter arises from non receipt of my mailed application, it is an error deriving from a mailing loss issue and I should not to be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 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: MD

Complaint narrative:
This Company continues to report this account on my Credit file. i have disputed this over and over again, and this Agency continues to violate my FCRA rights by continuing to report this debt that never belonged to me. i have gone ahead and forwarded the necessary evidences of their violations of the FCRA to the Maryland State Attorneys office and will be taking legal actions if this account is not deleted off my credit report in the next 5 days from the receipt of this dispute. I employ CFPB to look extensively at this Company 's violation of the FCRA and to further investigate the operation efficiency of this company in complying with all FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Currently work is going to cut my hours. I work for a general contractor and we didnt expect it to get slow. Nobody does. I called capital one since they are my credit card provider for XXXX accounts and let them know. I basically wanted some type of help. The only program they offered me was for 3 months they would waive my fees, but interest will still accumulate. The only advantage to the program is if I paid my payment late I would not get a late fee, but everything would still be reported to the credit bureau that I was past due and they will still be racking up on all the interest. I then asked to speak to a supervisor whos name was XXXX and his advice basically was let the account go past due and give us a call to see what we can offer you then. I am not sure whether this was legal or not, but it did not make since. I have been a loyal customer to them for 5 years and when I needed help it was basically do not pay, rack up fees and interest, and then we will help you. When I questioned XXXX on the fact he told me let your account go past due and then we will be able to offer you programs I was a little upset. Here I am trying to avoid not making payments, trying to work something out with them, and most importantly let it effect my credit and he did nothing to help nor at least empathize with me. We all struggle of course, but being a loyal customer to them I expected better help. I would have never thought to report capital one and I thought about it last night, but it just did not seem right to me. If I am trying to work something out so they see payments coming in I expected there help back instead of just trying to suck out fees from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Made about {$90.00} charges on Capital One credit card in XXXX of XXXX. I forgot that I had charged anything on the card, because this is my emergency card, and did n't pay until XXXX of XXXX, when I got the report that I had a 30 day past due account from my credit monitoring. I called, talked to the representative, offered to make {$120.00} dollar payment to bring the account to {$0.00} balance, she accepted. Evidently, she did not adjust off the less than {$1.00} service fees that remained, nor did she tell me they were there, nor did she note anything on my account. She said it would take XXXX to XXXX statement cycles to show everything current. 
Still not correct in XXXX, called back in, and they adjusted off service fees since payment in XXXX, and was told that it would take XXXX to XXXX statement cycles to show everything current. Credit report as of XXXX shows payments in XXXX and XXXX were 30 and 60 days late. 
Called back in XXXX to get credit report fixed, and am told that they can fix XXXX, but not XXXX. Agent agreed that it was their fault, but said that she had already gone above and beyond what she was supposed to do and could do no more. I asked to be sent to someone who could resolve this for me, and she said she was the most senior person that I could talk to, but I could send a letter to their general correspondence address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10 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: FL

Complaint narrative:
This is XXXX of XXXX debts reported on my credit report, This complaint is directed to Capital One Bank NA ( as shown on my credit report ) listed under a court docket, it is stated " satisfied ''. 

However, this judgment was not mine. I had contacted the courthouse in regards to this and tried to get it removed but was told only the creditor could remove it since they were the ones reporting the information. 

I do not understand how this is possible since I would think that a social security number would need to match the associated name with the account as well as the court docket. I had tried my best to dispute this claim and actually made several attempts to get this removed with the credit bureaus and nothing was done. 

I spent a good work week worth of hours trying to get this resolved, but there is only so much i can do since I am working XXXX hours a week. I was not contacted at all by the creditor. I was not contacted to confirm any information reported. No letter of notice was sent out and was not given any opportunity to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol One credit card company makes collection telephone calls to numbers they obtain and maintain in their file that do not belong to the credit card holder and are family members, NOT THE CREDIT CARD HOLDER. Additionally, they are leaving personal information on the generic voicemail 's ( the voicemail does not identify who the phone belongs to ) relative to the credit card holders name, the reason for the call, the company they are calling from and they are willing to work out a resolution to resolve the collection issue. When I called them to advise they are calling family members and leaving this information, they requested I give them the numbers of all family members so they can remove them from their file. I explained the person that they seek to contact does not live in the USA and does not have a telephone number, therefore, there should be no number on file at all. It appears they are using public information to obtain the numbers of family members without regard to privacy laws. I have made several telephone calls to Capitol One and am transferred to several departments. I am asked the same question, " which numbers should be deleted from the account? '' I respond the same way. ALL OF THEM. I also have reminded them in each call, several times that leaving a message for a specific person, with specific private information on a generic voicemail is a privacy violation. This needs to cease. If they are doing this to one person, I am confident they are doing this to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 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:
There is an old Capital One account where I never had a an account with a limit of {$900.00}. I have disputed this item with no outcome. Please help I would like some kind of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
The following case has been filed before this. The case # XXXX. The problem is the last resolution that was sent from the company had the wrong amount of money owed backed to me. The total garnishment they took was {$4600.00}. They had since sent a check in the amount of {$3000.00}. I was asking for a remaining balance of {$1900.00}. This is to equal the amount of {$5.00}, ooo.oo. The balance over the garnished amount was for loss wages and mail correspondence to be reimbursed. I denied the companies resolution, they reversed the amount shortening me {$20.00}. This should of been paid months ago. It is now ordered they should only be fair and pay interest on this money they refuse to send me. I believe thee rate they were charging me for garnishment was 12 %. I believe that is what I am owed. They had stalled for 3 months. 3 months at 12 % if {$1900.00} equals {$940.00}. Please have then send a new contract I will gladly sign. They have to get a new way for me to send it. I do not live I a big city and do not have access to a XXXX drop box. The nearest one is 45 minutes away. I believe I should not have to spend any more money on the account they garnished and deemed fraudulent. The total amount owed to make this whole is {$2900.00}. Note I have all documentation already submitted in previous complaint. The proof of amount garnished from my XXXX XXXX. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There has been an inquiry every month from Capital One since XXXX 2015. Why is this? 
I only have XXXX credit cards. These inquiries on my XXXX account are affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I currently am in posession of a Capital One Visa Card, I was given a promotional rate at some point and month after month I could not find on my statement when the promotional rate expired. I got busy and forgot about it. I finally received something in the mail in XXXX that alerted me it would expire in XXXX. I began doing research on other cards in hopes of transferring the balance for a lower or 0 % rate. I was able to find XXXX, unfortunately another Capital One card but XXXX not XXXX. The main screen I used to compare did not reference any limitations on balance transfers, nor on the information I received with my new card. I called Capital One and they told me to do a " search '' on their site for " balance transfers '', only then did it state you could not transfer to another Capital One card. I believe this is very deceptive in their advertising and while the information was available it was not in any of the disclosures I received or in the " compare '' screens. I am now left with a hefty APR and trying to find another card to transfer to. My complaint involves APR, Rate, Balance Transfer as well as Advertising and Marketing. While I have not valued what I will lose in interest charges yet, I do plan on coming to an amount that will be less than satisfying given 22 % on a balance of {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I recently contacted Capital One regarding a chargeback item that I was charged for services that were supposed to be rendered. Once the initial dispute was created online, I was not contacted again by Capital One or given any type of statement credit. I followed up with Capital One around 30 days later, only to find that my dispute had gone nowhere. They showed the dispute in their system, but told me that because the charge was prior to 120 days from today 's date " there was nothing they could do about it ''. I attempted to contact their Transaction Support Center again and at that time they informed me they would send me a packet to fill out and return. Today, I received a XXXX-page letter stating that " if you still want to dispute the charge, you will need to contact the merchant and work directly with them on this matter. At this time, we consider your case closed. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-12 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
In XXXX XXXX, my wife and I disconnected our service with XXXX XXXX XXXX. At the time, XXXX XXXX XXXX issued us a refund for the funds that we had paid. 

A month later, XXXX XXXX tried to charge our credit card for another monthly payment, at which time we contacted customer support. We were told that they were unable to stop auto-payment and that they would refund the charge. After a month, the charge was not refunded so we asked our credit card company to cancel the payment. 

After cancelling the payment, XXXX XXXX sent us a debt collection due to the cancellation of the credit card charge. After speaking with XXXX other people, we were reassured that the notice was sent in error. Finally after speaking to a XXXX person, we were told that the notice was correct because of the way they do their billing. 

After fighting with the company for 6 months, we agreed to pay a reduced amount to close the issue. 

On XXXX XXXX, XXXX, we received a letter from yet another collection agency trying to collect on a XXXX XXXX debt. This time it was for an amount that we did not recognize and has never been billed to us at any time. We have responded to the collection agency yet again. 

This appears to be a common practice by XXXX XXXX of sending unsubstantiated debts to collection agencies. We have also dealt with an issue where XXXX XXXX tried to collect a debt from my wife for not returning her equipment despite the fact that she had a receipt from the day it was returned.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I took a {$1200.00} internet loan out in XX/XX/XXXX and was set up on 8 month installment loan and when the date became due I called Cash Net USA back to advise my medical conditions going and would not be able to pay. Was told it was okay and they would work something out with me, instead they went into my bank account and withdrew the funds causing a major overdraft on my account so I stopped pay on all payment and ach withdraws. Since that happen Cash Net USA has called me every day XXXX times a day and now they are calling my references and on XX/XX/XXXX they called my son phone and left a message that his name was XXXX XXXX, Legal Counsel and he will come by house on Tuesday, XX/XX/XXXX with court papers claim # XXXX and if I wanted to stop him I would need to call him at XXXX XXXX, and to consider myself as being served. XXXX d/b/a Cash Net USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and my account number is XXXX

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 2017-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Westhill Financial
State: OH

Complaint narrative:
Today I received a call from this collection agency regarding an alledged debt. When i first answered the call, the representative told me that he works for a legal department and they were taking action against XXXX and they needed to speak with her. The representativr then told me I needed to pay XXXX or else I wouls be going to court. I told him I knew nothing of the debt and I wanted to dispute their claim and have them validate this debt. I was told no that i coukd not dispute since they had my information and that the attorney who they work for was going to take me to.court. I had no idea what this debt is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliant Capital Management LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX ACM Group FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX This firm called my elderly mother looking for me, she 's in XXXX, I 'm in XXXX. They tried to have her " identify me '' by telling her my former addresses ( what? ). They told her I need to sign a legal or court document called a " Preliminary Notice of Further Action '' regarding a debt w/in 72 hours. They left a number for me to call back. 
I called it and was told this is ACM Group ; we were hired by someone who is collecting a debt for XXXX. ( I googled ACM Group and found on page XXXX the FTC data ). ACM said they were calling " to establish my direct refusal to pay ''. I asked him to ID the debt before I refused to pay it, he gave me XXXX digits, I said this does n't help. I asked for the nature of the debt, he said an installment loan. I said I never had an installment loan - I 've had many accounts with XXXX, but most were deposits and my HELOC was repaid 4-5 years ago in full. He said he would recommend that his client file a " Preliminary Notice of Further Action '', then. I asked what that was and said he should hold off and just send me a proof of debt, he refused, and said it would take too long. I told him I pay my debts if I owe them - I then asked him to read the itemization on this account. He said he would email my file to me if I would read it now. I was at work, and told him that 's not a secure way to transmit this info, and again asked him to mail me his records. I asked how else can I determine what the account he has is. I do n't think I finished before he hung up on me. 
I have been called by XXXX-XXXX other collection firms over 3 years about a phantom XXXX account. I always ask for proof of the debt and an itemization of charges because I do not know of any current XXXX debt. After that I never hear back from that collector. 
My poor Mom is freaked out, she wants to know if I need money or if I 'm in trouble, she 's unnecessarily worried. I 'm fine, healthy, well employed and do not need her help. 
This sucks! I need your help!!. 
I called XXXX and was told they have no active accounts of mine, but they might have sold some debt, or maybe not. I asked what debt and was told " maybe not ''.

Company response to consumer: Closed with explanation