vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Robinson & Hoover
State: OK

Complaint narrative:
i lost my home to a house fire so the address that they served to was a complte loss this bill should be covered under soonercare contacted the attorney about a subpena dated XX/XX/XXXX that i recieved in XXXX of XX/XX/XXXX called the hospital saw the error they told me it would be fixed and saturday XXXX XXXX i recieved a statement saying they rendered a judgement but i was never iven the oppertunity of a court date further more the hospital saw the error and said it would be fixed but this XXXX said dhe cared nothering about the home burning that all she cares is that i was served in XXXX XX/XX/XXXX and they were going to garnish wages and sue me for a bill that should be covered instead of garnish the wages i should have been allowed to show proof of covereage then she threatened i will pay attorney fees as well as not be compensated for funds fradulently withdrawn from my payroll sooner care will pay the bill so i dont understand why i have to be sued or at east not given oppertunity to go for soonercare myself

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Got a call from a collection company saying i owed over XXXX dollars on a credit card i have never had

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North American Credit Services
State: TX

Complaint narrative:
I have received communications from North American Credit Services ( XXXX ) agency and they have damaged my credit report and my credit score trying to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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: Rent Recover, LLC
State: IL

Complaint narrative:
I resided at XXXX XXXX Apartments from about XXXX in which I paid rent. In XXXX I lost my job. I was in direct contact with the Property Manager XXXX XXXX, who told me if I left within a certain time frame that I would not owe anything. Now, XXXX years later I am being asked to pay back {$8400.00} which I never owed even when I lived there, and even if I broke my lease the amount would not be that high still! I was never contacted until a few months ago from a place called Rent Recover LLC. I do not owe this money. I did not owe that much money when I left. When I called the office at XXXX point to inquire if this would affect me getting another apartment they said I only owed about {$1000.00}. I filed with the XXXX, but they would not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Lost my job on XXXX from a previous injury. I tried to tell collector I would pay XXXX dollars a month but they wanted it all. Capital One has no sympathy for a person that owes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 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 have a a unverified account from Credit Collection Services. I had previously disputed this account. I have never done business with Credit Collection Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt Credit Collection Services purport I owe. I request that Credit Collection Services Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Credit Collection Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is the third time I 've contacted you about Capital One. The name on the credit card is XXXX XXXX, last XXXX of account is XXXX. They restricted my account, I do n't know why. I have submitted all the information requested and even made payments with my bank account on line and I 'm am still getting letters telling me they think my account is fraud. It is not. I have written letters and called them to refer correspondence to my attorney 's address and they are still sending letters to my home. I have done nothing to indicate fraud and I have been more than accommodating in helping straighten this out. I still have n't received a credit of the {$25.00} late payment fee they charged me for my first payment even though I sent it in 3 weeks in advance. They charged me more interest too. I am furious about this and I want the interested back dated. I want the restriction taken off my account and I want my credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was charged a late fee on XXXX/XXXX/2015 & XXXX/XXXX/2015 of {$35.00} each that were supposed to have been removed & credited back to my account. When I pay over the telephone I 'm told the payment is processed on time yet I get charged a late fee anyhow. When I 'd contact customer service within a couple days of this happening I 'd be assured the late charges would be removed & credited to my account. But this is n't always the case. Because I 'm recovering from a series of procedures I 'm unable to keep as close of an eye on my account. The last time I contacted customer service I was to told the charges were too old to be taken care of. Yet it was the credit card companies fault they occurred in the first place & not properly taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I filed a CFPB complaint # XXXX against XXXX XXXX bank for an outstanding negative balance in my account. I have not heard a response from XXXX XXXX within the 15 day window allotted by the CFPB. During this time of waiting for their response to my complaint. My account was turned over to a collection agency " Credit Collection Services. '' I am filing this complaint for CCS not doing a due diligence in checking my account standing with XXXX XXXX and my current complaint status with the CFPB.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was sold a vehicle XXXX/XXXX/XXXX. A vague description was given to me stating that the vehicle I purchased " is a used vehicle that has had prior structural body repair work, indicting that the vehicle has previously been in an accident ''. I went to trade my vehicle in at another dealership on Saturday XXXX/XXXX/XXXX and they pulled the XXXX which showed that the vehicle had been found to be a Total Loss Vehicle as of XXXX/XXXX/XXXX. I was never given the XXXX, offered to see it & or was anything divulged that this had been a Total Loss Vehicle. I called the dealership, XXXX XXXX XXXX XXXX, after I returned home & was told by a man, XXXX ( who later identified himself as a Partial Owner of the dealership ) that it was " Not a big deal to have a Salvaged title ''. I told him it was a problem as I was never informed of this matter and Never would have purchased the vehicle knowing it had a been deemed a Total Loss/Salvage vehicle. I explained that this is/was fraudulent not to divulge this information prior to the sale of the vehicle. I requested him to pay my loan in full at this point. XXXX asked me to find out what the dealership I was trying to do the " trade in would take from the appraisal prior to looking at the carfax and he would purchase the unit as a trade in from me. I told him I would not do a trade in with his dealership and he needs to pay my loan in full period. I told him I do not even know how " XXXX XXXX '' did the original financing on this loan with a Total Loss/Salvage title. I have since done a refinance on the loan with Capital One and I have sent them an email notifying them what is going on as of XXXX/XXXX/XXXX along with requesting a copy of my title be sent to me also. I am looking for matter to be resolved immediately. I have sent him XXXX emails and with the information he requested from me but have not heard back from him still. When I purchased my this vehicle the dealership was very rushed. After I had been the unit I had to take the unit into XXXX XXXX to have it looked at for the Battery light staying on. I then found out that they never put a battery holder back in the car ( as the vehicle per XXXX had front impact damage, vehicle towed and airbag deployed ) which caused the wire to move and break the censor which would cost over {$1000.00} to fix due to how they have to do it. The car has had a clucking noise coming from the left front side also as it seems to be stemming from the original frame damage it had originally when it was deemed a total loss. I was completely shocked when I found this news out and just want the XXXX XXXX XXXX XXXX to do the proper thing and pay the loan off and they have the car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital One marketed to me, presumably based on my credit score and spending history, a bonus scheme of {$100.00} if i spent {$500.00} in XXXX months. I have spent upwards of {$800.00} within this time frame and now the company tells me that they have no bonus activated on my account. 
How can their systems not be linked to verify their direct mail campaign against my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One 360 twice on XXXX XXXX, 2016. His sole purpose in making these calls was to insure that a deposit made on XXXX XXXX, 2016 had cleared, and therefore that it was safe for him to rely on those funds. The deposit was an advance from a new job, and XXXX XXXX wanted to be absolutely certain to withdraw the funds. 

For this reason, he called not once, but twice. During each of these calls, representatives from Capital One 360 assured XXXX XXXX that the funds were completely safe and that there was no way that the deposit could be reversed. Based on both of these representations, XXXX XXXX withdrew this money from his account. In fact, the deposit was later reversed, causing XXXX XXXX 's to lose the money that had previously been in his account, and resulting in the closure of his account and a negative balance. 
had a balance of {$1700.00} in his checking account and {$1100.00} in his savings account. On XXXX XXXX he deposited the check for {$3800.00} into his checking account. Then after the assurances from Capital One 360 's agents, withdrew {$3500.00} from the checking account. This left a balance of {$2600.00} in his checking and {$1100.00} in his savings account. On XXXX XXXX, 2016, the deposit was reversed and the balance of {$2600.00} in his checking was seized by Capital One 360. Capital One 360 has frozen XXXX XXXX 's savings account and is attempting to collect an additional {$1100.00}. This amount to a loss of {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One improperly reported my payment as 31-60 days late. I made my payment on the 30th day and I paid one month ahead, in addition. The improper report decimated my credit score causing irreversible damages. I requested removal and Capital One instructed me to file a complaint here. The agent refused to examine the calendar, date of actual payment and the latitude for payments that 's fall on weekends. This report reflects a predatory and dangerous lending practice that has virtually ruined my life and plans for the next 7 years. The lender and I disagree over one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I HAVE A HARD INQUIRE ON MY CREDIT REPORT THAT I DIDNT MAKE AND THEY SHOULD HAVE BEEN REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had an account that went to Capital One ended up with them getting a judgment against me. They are still reporting me as past due with a balance to the major credit bureaus. This is after I have already made a payment to the law firm that is representing them. This account has been satisfied and settled. There is no outstanding balance and no amount is past due. I have emailed the executive office of Capital One and nobody was helpful enough to assist me. There is definitely a gap in communication between Capital One and XXXX XXXX XXXX XXXX the lawfirm representing them XXXX. I am attaching proof of the payment. I have made multiple phone calls, emails and disputes with the major credit bureaus to correct this and to no avail. This is beyond frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Kohl 's Credit Card Department has called XXXX to XXXX times a day for months now after I informed them that I will be paying the bill off in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i did depossite my money order in capital one bank XX/XX/2016 and the money is not being clear capital one fraud do n't give answer about why is no clear the money order, i send copy my invoice purshase and return reason by the bank mortgues the officer in charge is XXXX XXXX case # XXXX i being calling her for more 10 days let voice mail. they are not have return my call back or any answer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Ballybunion Enterprises, Inc
State: OH

Complaint narrative:
These people call, text, and e-mail me constantly. I 'm positive that they call from different numbers as no other places call me. The only time that I 've actually talked to them the guy demanded that I make a payment now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I 'm working with XXXX XXXX XXXX to help with my debt due to financial hardship & I have forwarded this information to Kohl 's but they have been calling me At the wee hours in the morning. Sometimes as early as XXXX. They have called me XXXX times at that hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 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: KS

Complaint narrative:
XXXX XXXX XXXX from XXXX Acct # XXXX if trying to collect and debt that was paid on Capital One debt from XXXX was paid through XXXX XXXX XXXX after my dispute was resolved., I have been disputing on my report since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hi, I have a KOHL 'S store credit card the I used onXX/XX/2017 and another statement received was payment due on XX/XX/2017?? I was contacted by Kohl 's that may account is going to be 60 days late and paid {$210.00} which was for all including statement due on XX/XX/2017 Being close to XXXX years old I have been forgetting thinks and all they did was send e mail regarding bill which I thought was spam. A rep from Kohls called in regards to past due account and said if I pay bill I will not be charged a late fee nor will they report me to any of the credit bureaus. I apologized and payed past due explaining that I forgot and asked for wireless billing to be stopped. I then checked my credit report and the did report me to the bureaus bringing my credit score down XXXX points. 
I was in the process of a refi on my mortgage and now I am not eligible unless I want to pay higher fees and interest rates. This is not right what they do to people. Kohls now said it will be on my credit score for 7 years and refused to remove it. I contacted XXXX XXXX and XXXX and the said I have to file a dispute which may take up tp XXXX to 45 days. 
XXXX was closed today due to XXXX XXXX. We are now basicly XXXX by what Kohls has done. Maybe this is something the government needs to look at. It 's no wonder the housing market is the way it is since a simple mistake cost people a chance to advance in home ownership and refi there mortgage to save on monthly payments. 
ALSO WHY IS IT WHEN YOU CALL THESE PLACES THE SEND YOU TO PEOPLE IN THE XXXX THAT YOU CAN NOT UNDERSTAND. 
WHAT HAPPENED TO JOBS FOR THE PEOPLE OF THE UNIITED STATE OF AMERICA. GOVERNMENT SHOULD GO AFTER THESE COMPANIES AND PUT THE MONEY IN THE POCKET OF AMERICANS NOT XXXX. 
Please help us if you can and stop us from being a victim of society.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have XXXX credit card accounts with Capitol One Bank for my company XXXX XXXX. I have paid XXXX of my account balances in full for the account ending in XXXX and the account ending in XXXX. Capitol One has official documentation related to my business and yet they have restricted access to both accounts without proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto agreed to settle a auto loan with me and agreed to have the account removed in settlement and that I would have any late payments reported as long as I fulfilled the agreement which I did but they did n't honor the agreement fully and reported late payments on my credit report with XXXX & XXXX but deleted the account from my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am filing this complaint against CAPITAL ONE credit card ( account ending XXXX ) for ignoring my complaint about a fraudulent charge of {$470.00} made to my account XX/XX/2015 and made through XXXX. Every time I call CAPITAL ONE and complain, they take off the charge, but with every other statement I am rebilled. They do not send me any details as to where this charge originated or for what item I am being charged {$470.00}. I called CAPITAL ONE during the XXXX week of XXXX and spoke to their agent, who subsequently got XXXX representative on line, who checked their records but could not verify where this charge originated, and hence confirmed that the charge was fraudulent. 

CAPITAL ONE 's representative online assured me that I would be receiving an email regarding this transaction as a fraudulent charge but I have not received any follow up information either by email or ordinary mail. I am now being rebilled without any reason for this charge. I called CAPITAL ONE again on XX/XX/2015 and spoke to their representative who identified himself as XXXX and who took a long time to explore his records but could not help. I was requested to call back again the next day. I am tired of the run around and want CAPITAL ONE to reverse the charge of {$470.00} from my account. I DO NOT RECOGNIZE THIS CHARGE AND I REFUSE TO PAY FOR either XXXX or Capital One 's error. 
Please see my bank statement PDFs

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was called on my cell phone four times asking for payment for my Kohl 's charge which was discharged in bankruptcy XX/XX/2015. I had referred them to my attorney, yet I am still receiving phone calls asking for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The interest on my card is reflected as part of the minimum payment and again applied as a purchase against my available credit. It appears to me to be double dipping. the interest depletes my payment. Reducing the amount applied against balance. Then again applied against the available purchasing power.

Company response to consumer: Closed with explanation