vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have requested many times to see the letter ( with date and address ) to which the original letter was sent. I have never received this. Also, I have disputed this item many times with the credit bureaus as LVNV continiues to improperly report this debt. This debt is a collection. Not an open account and should be reported as such. Also, they continue to report the date of first major delinquency incorrectly. This has been going on for far too long and is wrong. 

I have attached a few smapled of the letters I sent to the CB. Each time LVNV returns with more inaccurate information. Like now. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have been calling the Corporate office to speak with Sr Account Rep 's to resolve this account for the past two weeks. I previously emailed a goodwill deletion request and was told that the bank can only make changes to reporting if the bank has made an error. Upon finding errors in Capital One Bank 's reporting, I then disputed regarding the same account to have it updated on my bureau. Today I called Capital One Corporate and spoke with a Sr Account Rep. and I was told that no information can be provided as to why this account was recently re-reported to XXXX as of XX/XX/XXXX after being removed from XXXX. 
This information has been recently disputed and removed from my XXXX Credit Report, but is now being reported as of XX/XX/XXXX on my XXXX Credit Report with different reporting dates and information than previously reported by capital one. The differences are reflected in my credit reports from XX/XX/XXXX-XX/XX/XXXX. 

I would like Capital One to remove this inaccurate information and stop reporting it to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERIFIRST FINANCIAL, INC.
State: CA

Complaint narrative:
AmeriFrist pulled my wife 's and my credit on XXXX for what they claim is to sell our loan. Unfortunately, AmeriFrist sold our loan to XXXX back in XXXX. 
Below is what has transpired with AmeriFirst. 


XXXX/XXXX/XXXX XXXX made a hard credit pull on our credit. 

XXXX/XXXX/XXXX I called XXXX to see what the hard pull was for. XXXX told me that is came from The AZ branch of AmeriFirst. 

XXXX/XXXX/XXXX I called Ameri First and they transferred me to you. I explained to XXXX XXXX at AmeriFirst what was going on and XXXX XXXX at AmeriFirst said " let me research it and I will get back to you ''. 

XXXX/XXXX/XXXX After a week went by and I heard nothing. I called XXXX XXXX at AmeriFirst back. XXXX XXXX at AmeriFirst explained to me that " that when we went through Ameri First to finance the purchase of our new home we signed a " Blanket '' statement allowing Ameri First obtain any information they needed to sell our loan on the second market and that includes hard credit pulls ''. I asked how many times will Amerifirst pull our credit? XXXX XXXX at AmeriFirst said " As many times as they want, but the credit report is good for 90 days. Did n't you read what you signed? '' I requested a copy of the " blanket '' statement and our credit report. XXXX XXXX at AmeriFirstsaid no problem and that we would also would receive a letter from your legal department explaining what is going on. 

XXXX/XXXX/XXXX I called XXXX XXXX, who has serviced our loan since XXXX/XXXX/XXXX. I explained to them what was going on and asked if they were trying to sell our loan. They told me no they are not selling our loan and they do not know who AmeriFrist is. 

XXXX/XXXX/XXXX I called XXXX XXXX at AmeriFirst and explain to you what XXXX said. You said the same thing again " AmeriFirst has the right to pull your credit when we are trying to sell your loan. '' I then asked " Why would Ameri Frist need pull our credit to sell our loan? XXXX is servicing our loan and has been since XXXX? '' XXXX XXXX at AmeriFirst said " let me research it and I will get back to you ''. 

XXXX/XXXX/XXXX We received in the mail a copy of the " blanket '' statement, the HUD and a letter from XXXX XXXX at AmeriFirst stating the same thing about selling our loan on the second market and how AmeriFrist has the right to pull our credit. There was no credit report or letter from AmeriFirst 's legal department. 

XXXX/XXXX/XXXX I called XXXX XXXX at AmeriFirst to ask what is going on and to call me back. 

XXXX/XXXX/XXXX XXXX XXXX at AmeriFirst called left me a message and asked me email you my complaint and what my expectations are. 



Since my loan servicer does not know who AmeriFrist, and AmeriFrist no longer has anything to do with our loan since XXXX of XXXX it makes no since why AmeriFrist would pull our credit in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid off my auto loan in XX/XX/2013. Capital One has been reporting the account as 30 days late since XX/XX/2013. I have been denied credit many times because of this incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One, like most other credit card issuers, offers promotional ( often 0 % ) rates, which expire, of course, often in 12 months. However, other than their initial offer notice, Capital One DOES NOT DISCLOSE the expiration date of the offer on their mailed statements NOR online. I have enclosed my online " chat '' with XXXX representatives, who say they are " working '' on it, but declined to give even a target date to disclose this key piece of information. I find this self-serving ( to earn interest based on the forgetfulness and short term thinking of most of us consumers. The disclosure & reminder should be available, & repeatedly provided, by regulation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 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: PA

Complaint narrative:
I am attempting to dispute a debt that i do not owe. The alleged debt is for a store card that i paid off XX/XX/XXXX. I received my final statement from them, validating that i did not owe anything on my account XX/XX/XXXX. As a matter of fact, my account had a - {$10.00} balance on it as i hade made a return after i paid off my balance. Regardless, i did not owe them anything. That was the last i heard from them as i have not used that card since. The in XXXX of this year, XX/XX/XXXX, i received a letter from XXXX stating that they bought my account and that i owed {$390.00}. I immediately disputed this claim, sending them the last statement i received in regards to my account. I requested they look into the matter. In response, they sent me the XX/XX/XXXX statement showing i paid my balance in full, I paid {$10.00} more to be exact because of the return. The statement they sent me clearly showed that i owed nothing, yet they still claimed i owed the {$390.00}. I mailed them again requesting validation as to how a - {$10.00} balance turned into me owing the said amount on my account. They mailed me no such validation, simply a letter stating that their records show i owe the said amount and if i wished to dispute it i should send documentation that the account was paid off, which i had already done previously. I am beyond frustrated with this whole situation and their handling of this matter. Upon investigation if this company, they have had multiple complaints against them, including multiple government actions and subsequent ruling against the company for violations of the law regarding debt collections, attempting to collect debts from the wrong people and the filing of false affidavits in court. 
XXXX XXXXThis company needs to be shut down so they cant harass and scam anyone else. They obviously have learned nothing from their past wrong actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
THIS ACCOUNT XXXX THE REST OF THE ACCOUNT NUMBER IS BLACKEN OUT ON THE REPORT PLEASE SEE ATTACHMENT. I HAVE WORKED WITH CAP 1 TO GET THIS REPORT CORRECTLY AND THEY REFUSE TO FIX IT. THIS ACCOUNT WAS PAID IN FULL WITH A XXXX BALANCE AND THEN CLOSED BY ME. BUT THEY STILL ARE REPORTING A BALANCE WHICH IS HURTING MY CREDIT SCORE AND INCOME TO DEBT RATIO.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In mid XXXX 2015 I observed an unauthorized purchase for {$230.00} from XXXX listed as pending on my account. I immediately contacted Capital One and informed them the purchase was unauthorized, and was told I was unable to dispute the charge until it posted to my account. Upon the transaction being posted I informed capital One verbally and via their online secure messaging system. I was initially give temporary credit, and Capital One disputed the charge. However, Capital One disputed the charge incorrectly. They did not dispute as unauthorized, the merchant disputed and the charge was reissued on my account. Capital One informed me the merchant stated the merchandise was received, I again informed Capital One that the transaction was unauthorized, I did not make the purchase and never received any type of benefit from the purchase. Capital One stated they incorrectly filed the dispute and would now file as an unauthorized charge. XXXX BILLING CYCLES LATER Capital One denied my claim, stating the merchandise was delivered to my home by XXXX. When I again stated I did not authorize the purchase or receive the merchandise, Capital One again said the merchandise was delivered to my home and opinioned that an individual who could have had access to my information such as a family member may have made the unauthorized purchase. My own research revealed XXXX delivered the merchandise to my home and left it without a signature and the delivery was not in my name. When I informed Capital One of this information and suggested that if someone was expecting the package since it was a scheduled delivery via XXXX, perhaps the individual removed the merchandise from my front stoop, Capital One said that could never happened. When I informed Capital One that since they took over XXXX billing cycles to resolve the issue, as per Federal Regulation they could not hold me responsible for the purchase, Capital One agreed they had the initial dispute over XXXX billing cycles, but their fraud unit did not and therefore the Regulation does not apply. If Capital One properly filed the dispute as unauthorized from the beginning there would have been no issues, why should I be penalized because of Capital One 's negligence?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I rented and apartment notified I was moving out on XXXX 2012. 
My monthly rent was {$800.00} per month. 

I move up north with my family, I apply for work and was denied and Apply for School and was denied not sure way. 

I just received a letter from and attorney, they call constantly, harassing me. They say legal action will take place, if I do not make payments. 

I called the agency to ask way the balance is close to {$4000.00} when the rent I was paying was only {$800.00}. 

I know my balance may be about {$800.00} but the company refuse to clarified information, they say full balance will need to be pay. 
I am XXXX XXXX XXXX and I am trying to continued, school but not able to apply for fining. Company is damaging my credit. 
I was never informed or notified from property management that I had a balance. 

Please see attached support documents I have send to clarified the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One violated the FCRA 623 ( a ) Duty to Provide Accurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a CRA if the furnisher " knows or has reasonable cause to believe that the information is inaccurate. Capital One violated the FCRA : Duty to Correct and Update Information. Capital One violated the FCRA : Duty to Provide Notice of Delinquency of Accounts. 
Capital One reported credit card account XXXX to credit bureaus after receiving written notices of disputes from me directly and disputes that I submitted to credit bureaus regarding this account. However, Capital One violations of the FCRA are denoted on my credit file for its reporting on said account without complete credit history which does not allow for the calculation of when the information will expire also Capital One continuously re-ages this account all in violations of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Charges to my credit card in excess of the available balance are being approved rather than declined. I contacted the bank to see about changing this and seems I can not. There is no charge for going over the limit, but I do not want my account to be able to go over its limit. If the account is over limit during a statement it will get reported and effect my credit score. The account was not always this way and it seems some recent change I dislike but seem to have no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One applied my {$100.00} XXXX 2016 payment for card ending XXXX to XXXX 2016 thus appearing as though I made XXXX payments for XXXX. This resulted in no payments being applied for XXXX 2016 and a late fee. Upon further inspection I noticed another late fee on both of my cards from the beginning of the year. My employer switched from bi-monthly to bi-weekly pay. I am requesting Capital One to reapply my {$100.00} payment from XXXX to XXXX 2016 as intended. I am requesting all late fees on both cards reversed. I am requesting lower APR 's as both cards currently have excessive rates. I am also requesting paper statements as I have not received any statements and therefore been unable to review my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12 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: FL

Complaint narrative:
This account was paid in full at the closing of the sale of my home in XXXX 2016. The proceeds were deducted from the sale and delivered to Capital One Bank via the title company attorney that closed the sale. Please review the attached HUD at the foot of page ( XXXX ) were it is stated that a total of {$4900.00} was withheld and further communications with my attorney confirms that the funds were sent and my account balance is now XXXX but this account is still showing as a judgment on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I lost my job and I had protection on both of my Capital One credit cards. In the meantime, my partner, was the person who always paid my card payments, monthly from HER account. This went on for 4 years approximately. When I was laid off from my job XX/XX/XXXX, I waited the 30 day period Capital One requests before the protection can kick in. When I called they had informed me that I did not have this protection and that it was cancelled XX/XX/XXXX, I advised them I was not the person who cancelled this and that it was possibly my live in partner, who I did not authorize to do so. The woman told me that there was nothing she can do and that I would have to wait for them to pull the tapes and investigate the call. Ironically, I also was informed that this was the same month and year that Capital One stopped offering XXXX XXXX in cases of someone losing a job. I voiced my concern with this, as well as me not authorizing anything to be cancelled and informed her of my partner wrongfully taking my credentials to do things soley because SHE was the one paying for my bills at that time. A few days later I received a phone call and the woman I spoke with rudely told me there was nothing they can do and that the voice tapes states its me who infact cancelled these services and that they were refunded back to my account. I told her I was NOT the one who did this and that I wanted to escalate, she told me that I could not because they pulled tapes. I said well, how do you have proof that it is me? Anyone can call in that is a female, as long as they have the proper information, state they want to do anything to an account. Which is what happened with my ex girlfriend. I told her if I had another females credentials, I also can do the same. Just because someone stated they were me, proceeded to give information, does not mean they are me. I also explained that I found it funny that this was the second time in several years that Capital One had " claimed '' my protection if I became unemployed was " cancelled '' on both cards. This also happened XX/XX/XXXX to me. In which I added it back on and let it go. The woman told me the only thing she can do is adjust the account, which STILL has n't been done, but that is all. She can not help and I am left hanging with payments now behind on both cards due to unemployment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, I received an email from Kohl 's, alerting me that my contact email address had been changed. There was a contact number where I could call if this was not a request I had initiated. I called, but what followed was over two hours of phone trees, endless hold times, and conversations to others who ultimately insisted I ignore it and that everything was fine. At one point, the gentleman who answered the call ( in another department ) could n't even verify that the address had been changed. 

I finally got to someone who informed me that a {$45.00} charge had been placed against my card, which I most definitely did not initiate, and it became evident to me that my account had been hacked and my privacy & identity had been compromised ( this was after the conversation with the man who had actually advised that I ignore the situation altogether ). Yet again, I tried to call -- this time their Fraud department -- but yet again, nobody was answering calls. I was unable to log in to the account online to dispute the charge, since my email address had been changed, so I had no options with respect to that, either. 

I was quite flustered, so I went up to an actual store location to simply close the card, in order to keep the fraudulent charges from coming in. Incredibly, at the store location itself, I was informed that I 'd have to call the corporate office to do so, which boggles my mind -- the account can be opened at the store, so why ca n't it be closed there, as well? 

At the end of this entire 3 hour fiasco, which now included a trip to a physical location, I have finally been able to successfully close my card, but I still have n't been able to contact anyone about the fraudulent charge, nor do I have any idea how many other fraudulent charges may be forthcoming, nor do I know the extent to which this possible case of identity theft has been extended.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was approved for a capital one credit card XX/XX/XXXX. As soon as I received the card, I paid a few medical bills off with it and not even 2 days later, Capital One decided to close the card. They were not willing to open the account back up and I 'm unsure as to why the card was even closed. I asked them what my balance was so I could pay the card off since I was not able to use it anymore and they told me I had no balance. I explained that I had used the card for a few of my medical bills and they continued to tell me there was no balance. I waited a few days then called the back to make a payment and they contined to tell me there was no balance that needed to be paid. I did this several times and eventually gave up because they continued to tell me there was no balance. Suddenly XX/XX/XXXX, I received the first statement ever and it was in red stating I was 120 days past due and the card needed to be paid immediately. Of course I called and made the payment in full and asked why I had never received a statement before and why there was no balance the multiple times I tried calling to pay. Also the balance was paid in full then and still on my credit report they are showing a {$2.00} balance as of XXXX/XXXX/XXXX. Why approve me for a credit card if your going to close it 2 days later? Then tell me there is no balance and I know there was and not take my payment. This is tramatically impacting my credit score due to the late payments reporting in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have contacted chase Bank in regards to a Loan the have reported on my credit report. I had a previous case and they sent a letter with some information but it does n't give information as too what happen to the account balance. They said it was a CD, I did not have a CD It was a secured loan from my savings acct. There should not be a balance left. The person I spoke with XXXX, asked me for information on the loan and any paperwork I may have. They need to remove this from my credit report. I believe a cover up is trying to take place. Please assist in getting to the bottom of this issue. The previous case number is XXXX.

Company response to consumer: Closed with explanation