vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX Business was very slow at the company I worked for. Bills started to pile up and I worked out a agreement to pay {$800.00} within a specified timeline by Capital One. I paid the {$800.00}. Not once did Capital One say to me that it would be reported to the Credit Bureau ( s ) as bad credit. They are still reporting it every month even though we agreed on a amount back XX/XX/XXXX. Most of it was late charges. I find this misleading. I have great credit, I have a car loan and the payment is made every month on time. Had I known this " settlement '' would damage my credit, I would have NEVER agreed to settle. Now I 'm being told that nothing can be done about it. This is not right, it needs to be addressed so people know when a Credit Card company is indicating that they are helping you solve your debt issue when in a financial crisis arises by paying them a amount you both agree upon, they also need to communicate the later part, oh by the way you will still get reported to the Credit Bureau, after you scraped by to get the situation resolved.

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

Complaint narrative:
My Capital One platinum debit card was expired in XXXX XXXX, since then I have not received a new credit card. I have talked with them about sending me a new card and it had not arrived. 
In XXXX XXXX, I went to California and my wallet was stolen, so even though the card was expired, I called them to re assure myself and reported a lost/ stolen card. They re assured me they would send out a new card with a new account number. 
In XXXX XXXX, I have not received a new card, but paid my full balance and waited for a new card. 
They have called me last month and stated I have a new balance due on the existing card that was expired and had no authorization from me, especially since I did not receive a bill statement or a new card. This was billed to me account from XXXX XXXX till XXXX XXXX. 
I explained to the company and they did not have a problem the first time I called and stated that it was their mistake and I would be sent a new card. 
Today XXXX/XXXX/XXXX, I had an hour and a half call with them going through the same process and holding me responsible for charges, I never authorized, especially since in XXXX XXXX, I reported a stolen card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ballybunion Enterprises, Inc
State: VA

Complaint narrative:
I used a company called Freedom Electronics as well as Freedom XXXX, I currently am still paying on both loans. My balance seems to be increasing. I took out the loan with Freedom XXXX in XX/XX/2014 and electronics in XX/XX/2014 as well. I have yet to receive a payment history of which cant be viewed online. When I asked for a payment history I receive attitude. I also checked my credit report and see nothing about this loan. A monthly statement would be nice to see what the heck my money is actually going.

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 2016-05-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have not applied for a credit card of Capital One. I checked my credit report and noticed that someone had open an account under my name. I am not aware how this happened. I disputed the credit card account and it is under investigation and the issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I made a payment of XXXX to my Kohl 's charge and I was still reported late. I have hard some hard time financially. I have experienced a house fire and ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 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 recently pulled my credit report and noticed numerous violations of the FCRA and numerous state and federal laws that protect consumers. I also understand that about 89 % of all credit reports contain inaccurate, misleading and unverifiable information on them. It has also come to my knowledge that systems used by the credit bureaus such as XXXX XXXX do not protect the consumer as well, they just allow some companies to verify a debt whether or not it is true. My credit file contains a public record/judgment that is NOT verifiable and does NOT belong to me. I have already made several attempts with this company ( Kimball Tirey & St. John ) to provide proof that this debt belongs to me, to no avail. It was also brought to my knowledge that the court houses do not report, nor verify this type of public record with any collection agency nor have they ever reported such information on any consumer. This is really disturbing to find out that the collections companies like this XXXX lie and falsify documents to credit agencies to make a quick buck. It is my knowledge that these violations are punishable in a court of law by {$1000.00} per violation. This does n't even include court fees, attorney fees and punitive damages that a consumer may seek to hold the company in violation of fraud for lying and falsifying these misleading documents. After contacting several different FCRA attorneys willing to seek these damages free of charge, I choose not to ( for now ) but would like to resolve this in a civil matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had a subscription to XXXX. The credit card on file expired over one year ago, yet a new charge for the subscription was placed on my credit card 13 months after the card on file with merchant had expired. I called my credit card company ( Capital One XXXX ) to dispute the charge and they said since I had a subscription then I had authorized the charge. After asking how a merchant was able to charge an expired card, Capital One admitted to giving the merchant my updated card information. My credit card company provided personal information ( new card number, expiration date, and security code ) directly to a merchant and which allowed the merchant to charge an expired card. I was neither notified from the merchant that my card on file had expired, nor was I notified of the agreement between merchant and credit card company to auto-update my card information, nor did I authorize my credit card company to give my information to the merchant. The credit card company finally relented and credited my account for the unauthorized charge and I have cancelled my subscription with the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Brelvis Consulting, LLC
State: OH

Complaint narrative:
I spoke with a representative at TSLHS XXXX : XXXX and requested information on the XXXX XXXX XXXX program for repayment options. The rep explained he could review my info and suggest whether I would qualify and send paperwork for the fee equal to one student loan payment ( {$640.00} ). They sent the paperwork. I completed and filed with Department of Education. They then informed me that all their paperwork and services are 100 % free and that I had paid a 3rd Party who is not in any way affiliated or authorized on their behalf to distribute paperwork to send me free documents. 
I called TSLHS to request a detailed explanation and refund based on ethics and a lack of verbal communication of this info and was denied. They simply routed me back to their website which explains things in detail. However, I was not explained this on our call and it is unethical to fall back on disclaimers posted on a site when the contact was via live call. 
The rep at TSLHS created such a sense of urgency within our call that when I asked if I could mull over the offer ( sending me paperwork via mail for {$640.00} ) and do a little research, he indicated to me that I should rush on my actions because once XXXX became president the Forgiveness Plan ( XXXX XXXX XXXX ) may no longer be available. So I completed the paperwork on the call. 
I am disheartened that a company would take advantage of people like myself who are only seeking to pay their student loans. It is assumed ( generally speaking ) that loan details are confusing for many and they prey on that fact. If at any time he would have explained that I could download forms on my own or directed me to the disclaimer on that call, I never would have spent my rent money on their " service ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
opened XXXX online account in XXXX I believe ends in XXXX made deposit XXXX 2 hours later account in lock down. told to call a number that no one answers finally after almost XXXX minutes on XXXX someone answers tells me the signature does not match the check issued before. and for that reason rep called without my knowledge or permission the entity that issued it. put me on hold again with no respect for my time told me on XXXX it would be on hold til XXXX because of the lack of verificiation no good. also on XXXX I noticed the XXXX in there already BEFORE deposit of XXXX was on hold and not transferrable. Lots of waiting lots of inconvenience. meanwhile I am a XXXX credit card holder for years no problems. this really is not right. I opened this to save money and avoid hassles not bring more on. I need to know why this happened be comped for my trouble have the money released asap so I can use it and be sure it does not happen again. Do something about the hold time on security line. HELP like my tiume does not matter IT DOES

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XXXX XXXX, XXXX, I wired {$8600.00} to a Capital One 360 account. It was posted XXXX XXXX, XXXX but the receiver advised me that Capital One wanted me to request the money be returned to my account. I submitted a letter to my bank and they wired it the same way the money was wired. I have been in contact with my bank and Capital One since then trying to get my money returned. During this time, I have learned that the recipient has a history of wire scams that I was unaware of. The last correspondence was on XXXX/XXXX/XXXX with Capital One. Their representative told me that no one had access to the money and Capital One was still looking into the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Refinancing with Capital One Bank : In what was I thought was the final process Capital One requested I submit credit card information to obtain a {$200.00} non-refundable fee for what they call a XXXX Me Waiver. This waiver is suppose to be relevant to the XX/XX/XXXX-XX/XX/XXXX financials of the XXXX where I reside. This request from my understanding was from their Co-Op review board. I do understand that Co-Op property is handled differently than other properties, BUT, to have me submit a non -refundable fee and then being told that was no guarantee the loan would be approved after paying other fees such as {$170.00} for the management to complete a questionnaire, {$270.00} for lawyers to sign a Recognition and {$20.00} for the XXXX Amendment was very disturbing. Credit cost. I understand that. Contacted XXXX and they had no idea what I was speaking of ; XXXX of their representatives did extensive research and we spoke close to an hour ... end result, they never heard of such a waiver and felt that someone was trying to take advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Between XXXX XXXX and XX/XX/2016, Capital One bank paid out twice on XXXX different checks written off my account. I discovered and reported the first problem when I got my XX/XX/XXXX bank statement and again in XX/XX/XXXX when that statement showed a second problem. I went back again in XX/XX/XXXX and again in XX/XX/XXXX, disputing the duplicate transactions. Capital One had paid out when the XXXX checks were scanned electronically, and then again when the exact same checks were presented as physical checks in later deposits. On XXXX XXXX, I found out that XXXX set of each payment never reached the payee account it was supposed to go to. On XXXX XXXX, Capital One 's final decision on my claims was that they were denying it because the checks had valid account holder signatures. I would like the appropriate Federal regulatory agency to investigate why the bank 's software allowed these duplicate transactions to occur, and force them to change their software and procedures to prevent it happening again. In the meantime, I am moving my funds to another bank, and have initiated a criminal complaint against the payee on the checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
they are reporting that I was over 60 days late, I have never missed a payment on my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
phone number XXXX calling early morning around XXXX. thought there was a law that collection calls can not be made before a certain time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One has repeatedly taken money out of my account without permission. They did this before with {$1000.00} and claimed the did n't know what happened. This time they tried to take two small amounts out of my account. Something suspicious is going on. Now I 'm charged overdraft fees. 
ACH trace # XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
ON XXXX/XXXX/16 I WAS MADE AWARE THAT I HAD A JUDGMENT FROM CAPITAL ONE BANK ON MY CREDIT FOR {$6900.00}. I HAVE NEVER OWNED A CREDIT CARD FROM THEM UNTILL XXXX/XXXX/16 WITH A CREDIT LINE OF {$300.00}. I FILLED A POLICE REPORT FOR IDENTITY THEFT AND FRAUD. I ALSO PLACED A DISPUTE WITH XXXX OVER A MONTH AGO. I HAVE CONTACTED CAPITAL ONE MUTIPLE TIME TO GET HELP AND ANSWERS. CAPITAL ONE REFUSES TO HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
They 'd call me XXXX times a day anytime from XXXX to XXXX, leaving threatening voicemails and just being plain rude. I 've asked them to stop calling but they kept calling even after speaking to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Missing Funds. Funds that were requested to be transferred were lost by Capital One 360 Bank ( routing number:XXXX ) I initiated an online transfer of funds from Capital One 360 Bank ( from the XXXX Bank XXXX ) to XXXX Bank XXXX XXXX XXXX, 2016. On XXXX XXXX, 2016, the XXXX Bank online transfer details indicated that the complete date of this transfer was XXXX XXXX. Also on XXXX XXXX, Capital One 360 Bank records indicated that the requested amount was withdrawn by XXXX Bank. On the weekend of XXXX XXXX or XXXX, I closed the Capital One 360 Account believing the XXXX Bank statement that they received the Capital One 360 funds. On XXXX XXXX, XXXX Bank Online History indicated a reverse ACH deposit from Capital One 360 Bank. Also, on XXXX XXXX, XXXX., I received an email from Capital One 360 Bank stating that Capital One 360 was unable to complete the transfer request from XXXX Bank ( " Your withdrawal was n't processed Dear XXXX We were unable to complete the request from XXXX Bank to withdraw money ''. ). 

According to conference calls among Capital One 360, XXXX Bank and myself on XXXX XXXX and XXXX XXXX, 2016, Capital One 360 stated that they rejected the returned funds from XXXX Bank and resent the funds to XXXX Bank. ( Trace number is XXXX sent on XXXX XXXX XXXX, XXXX XXXX. ) XXXX Bank reported again on XXXX XXXX, that the aforementioned trace number indicates merely that the Capital One 360 account was closed and no money transfer was associated with this trace number. 

The funds have not been shown to be in both Capital One 360 Bank and XXXX Bank since XXXX XXXX, 2016. 

We are imploring this agency to push Capital One 360 and XXXX Bank to retrieve our funds and deposit them since our numerous conference calls beginning on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to XXXX Bank and Capital One Bank have not yielded any meaningful results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This debt is from account from $ XX/XX/2008 an account is old and such no longer owed or valid. This has been requested to be removed many times. I want this removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Arrived at XXXX XXXX from XXXX for a 4 day vacation on XXXX XXXX. The following day, XXXX XXXX, went to XXXX and when I attempted to pay with my Capital One Card, it was declined. I immediately called customer service and spoke with FRaud Supervisor XXXX who required I provide him with the place where my social security was issued and my driver 's license number. He informed me he would reactiviate my account. The reason the purchase in XXXX was declined was because I made a purchase in XXXX and now in XXXX. Later that same day another purchase was declined and when I called, I was told my card was compromised and nothing could be done until Monday to reactivate the card even though the questionable attempts to use the card were the only ones documented by me. Even though I informed XXXX and later XXXX that I will be forced to sleep in my car and cancel my vacation without the use of this card, they said nothing can be done until MOnday when management is present.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
The company has sent multiple threatening letters indicating various grave consequences and presenting information in misleading ways. A previous letter they sent said failure to address a debt could lead to imprisonment. In their most recent letter, they state that they have no obligation to validate the debt as I requested in a letter to their office. I also informed the debt collector that the debt was most likely already out of the statute of limitations since the original judgement was made in 2004. They responded that debts can be valid for up to twenty years without confirming or denying whether the debt was ( 1 ) valid and ( 2 ) not outside the statute of limitations. They also claimed they have collected nearly 2k in a previous wage execution but I have no record in my bank accounts of any such action or event taking place.

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 2015-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
CCS AKA CENTRAL CREDIT SERVICES INC AKA RADIUS GLOBAL SOLUTIONSPosted in : XXXX & XXXXXXXXWeb site with alleged contact info : XXXX lists them as an accredited business with an A+ rating and XXXX complaints : XXXX ... XXXX page : XXXX 
XXXX lists the head criminals in this organization : XXXX ... XXXXXXXXCheck out the CCS Companies listed at multiple locations & phone numbers above after reporting the callers still Received Scammer/Harasser calls from ( XXXX ) XXXX XXXX in XXXX, MA. ( CCS Companies on Caller ID ) that constantly call for the last 10 years - most recently on : * Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Tues. XXXX/XXXX/15 @ XXXX Thur. XXXX/XXXX/15 @ XXXX Thur. XXXX/XXXX/15 @ XXXX Sun. XXXX/XXXX/15 @ XXXX Sun. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Fri. XXXX/XXXX/15 @ XXXX Tues. XXXX/XXXX/15 @ XXXX from ( XXXX ) XXXX XXXX XXXX ( Debt. Collector ) looking for XXXX XXXX or XXXX XXXX to call her at ( XXXX ) XXXX these Debt. Collectors have my phone number seeking the people who formerly had my phone number & I 've called back to let the Scammer/Harasser know this is the wrong phone number & they can find the " Persons of Interest '' on XXXX XXXX XXXX since XXXX XXXX is currently XXXX - I do n't answer unwanted Annoying Phone Calls on my unlisted number & Reported to XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation