vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One once again has not provided full disclosure. Capital One continues to be misleading and fraudulent in their approach to provide accurate information to this Bureau. 

For the evidence that Capital One has provided i.e ... .. the XXXX indicates that there is a reverse side to this application which has not been provided. 

Is it that Capital One knows that the reverse side will show my acceptance to the XXXX plan to which they are not allowing during my time of unemployment. 

This corruption and misleading information with Capital One 's reporting to this Federal agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: OR

Complaint narrative:
My home mortgage is or was with XXXX XXXX a company out of XXXX from what I 've found online. In XXXX 2015 they stated XXXX XXXX XXXX. @ XXXX, will now handle their banking of loan. This XXXX was a scam, after many phone call saw that I was paying more to cover my property taxes, they 1st hide the fund seeing I would not drop it. They stated on my " Statement '' {$1700.00} paid in for credit? was for taxes. Then I thought was fixed they got the OK to sell to BSI in XX/XX/XXXX, we 'll XX/XX/XXXX rolls around taxes not paid, and the {$1700.00} was gone. BSI had a employee XXXX XXXX who stated that they and XXXX were partners same company just we do banking. He went on to state they had call 's, complaints and more that XXXX x of XXXX 's had issues with XXXX, fluffing the books, moneys missing. I gather proof with XXXX and mailed it to get told " we 've passed the loan '' and deal with the new company - BSI, just as shadie I 've called over 20 time W/cell phone, alone to show a pattern, leaving voice mails, no calls back. When their personal collecting agent call, I state I want to speak with XXXX, not available they 've now stated Monday XX/XX/XXXX he was fired. What it come down to for telling everyone the fact on XXXX rip you off, and we 'll BSI working to fix it but I feel it 's a scam also. We think XXXX feel 's I 'll drop it as, They stated " we do n't care to deal with it ''. I need someone to look into this ASAP, as it 's loan fraud by the banking again, if XXXX 's of XXXX 's are like me scammed then told late payment or skip a payment was to rip off payment. The scam like seen on news XXXX company all good loan 's set up a XXXX then " make 's mistakes, then they send buyer to home and by mail, the XXXX make sure to not take call 's, and loss more funds. I was never late, taxes covered, and all good the XXXX who work with XXXX come 's in now I have late fee 's money stolen, and we 'll found out all are all XXXX owned as XXXX company, trying to get more then they are allowed and my home, with banking scamming. 
I tryed to upload a letter or XXXX proof, just cant work computers -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 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:
I had a capital one credit card but I have paid and closed the account. It is showing in my credit report the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capitol One Auto Finance sent me a statement due XXXX XXXX, 2016. I mailed a check tthem to make the XXXX XXXX payment. Two days ago I received another statement telling me my XXXX XXXX payment was due. I called Capital One Auto Finance to ask what was wrong. They explained that my previous XXXX XXXX payment had been applied to my principal, or some of it, they subtracted interest out of it. 
1.Why did they apply my first XXXX XXXX payment as principal? 
2. Since it was applied as principal, why was interest deducted from it? 

This has caused us to come up with another payment for XXXX XXXX, causing some financial disturbance. 
I was unable to get a straight answer from Capitol One Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Roughly 3 months ago I set up our Kohl 's " credit '' card ( I believe they claim to be something else for legal purposes ) for automatic payment on their website. Over the last 3 days my wife has received a call a day from a computer claiming to be Kohl 's and insisting that she enter part of her social security number. This of course is the *definition* of a fraudulent call, compounded by the fact that Kohl 's POS systems were very recently broken into and information stolen. When my wife called to alert them to these robocalls, it turns out that these calls were to notify us that our card was past due, with a {$25.00} fee etc. After bullying my way through customer service ( after the XXXXline in XXXX told me that the XXXX line would refuse to take my call ), the late fee was scrubbed, the balance paid off, and the account closed permanently. 

My complaint is twofold : 1 ) Their autopay system silently failed to operate, and while talking with customer " service '' I found that the website shows no hint of autopay even existing. The agent claimed that if the account is in arrears it wo n't allow changes to autopay, but that 's very different from the autopay being completely scrubbed from the site. 
2 ) Their automated phone system requires the customer to enter part of their social security number over an unsecured channel. This " standard practice '' of theirs is the worst possible method, as it sounds like a fraudulent call. I strongly suspect they actually *want* it to sound like fraud so people will ignore it and end up with even more late fees. The industry-standard method is to tell the customer to call back at a given number, or best case tell the customer to " call the number on the back of your card '' because a fraudulent call can just as easily give a fraudulent call-back number. 

The account in question is permanently closed ( I have had more trouble with this XXXX card than with the sum of all other cards I 've ever had ), but their practices live on and they give no indication that they are willing to correct them. " Passing your concerns along '' is the polite way of saying " stuff it '', thus my formal complaint with an entity that may have some power to actually do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Linebarger Goggan Blair & Sampson LLP
State: OR

Complaint narrative:
I contacted this " law firm '' Linebarger, Goggan, Blair, & Sampson after receiving multiple calls and letters to advise them that they were attempting to collect an alleged unpaid parking ticket from 2009. They asked for {$24.00} for a parking ticket from nearly 8 years ago. I informed them of the statute of limitations in the State of XXXX is 6 years for debt collection activity and asked that they no longer call me or send me letters. The " attorney '' responded with disregard and claimed that they would continue to collect until I paid it and the penalties in full and that they would report it as unpaid to a credit bureau. I explained that this was in violation of the XXXX laws and he claimed that only XXXX laws applied since their offices are 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 2015-07-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I am attempting to work with my student loan lender. I do, however, wish everything to be in writing that I can save for my own resources. I have difficulty understanding speech over a telephone, in addition to being afraid to speak through one. I would not be able to fully understand what is being said to me through a phone, and I fear I will agree to something that will not sufficiently help my case. I suffer from XXXX and XXXX that affects my health for days after a phone call. Although I have explained this through email to the company, they have stated that they can not work with my case through email or mail. The only communication I 've received is in the form of a telephone number. I have also received threats against my paycheck in the form of garnishments and my tax return. I have attempted to make payments where and when I can, but my current bills already exceed my pay by XXXX dollars. I receive help from my parents for some of my bills. My daughter is XXXX and needs more care than I am able to find elsewhere, and so I can only work XXXX while she sleeps XXXX nights a week. That leaves me with a night schedule, which I must reverse during the school week to take care of her, and reverse again to do my job well. I have also received the notice that the only legal service in my state that could assist me refuses to assist in discharging private student loans. I am at the end of my rope, with little choice in how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I contacted Capital One to inform them that I lost job, unable to make payments for my account. Therefore, I was enrolled in the Hardship & Assistance Program. Initial enrollment details given were that program pauses the account for any fees and do NOT report to on credit report nor to credit bureaus for several months or cycles. However the information given was inaccurate and misleading of the program offers. After checking my credit report few weeks later I discovered it report so I contacted Capital One regarding the inaccurate info given that resulted in a poorly negative reflection on my credit report tremendously dropped approximately XXXX. due to the inaccurate information the product offered. Finally, I contacted Capital One to make an payment for the account. If the information was accurate and correct initially there would NOT be confusion and a payment would have been made, the customer service and Mgmt. Team they quickly understood the situation and responded quickly by disputing the inacurrate delinquent report but have yet to receive any correspondence. Since then, I have contacted Capital One on several occasions but was once told there has n't been correspondence recieved and instructed me to contact the credit bureaus. 

Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Capital One account ( XXXX XXXX ) the account is over 90 days late. I recently took a job on XXXX ( XXXX XXXX ) working on an XXXX XXXX XXXX base. I have been unable to get in touch with Capital One to discuss paying this account off. All their XXXX, XXXX numbers will not connect from here. Their website takes me to a XXXX number I have tried to email them but I can not find a email address on any of their bills. They are charging me more interest and late fees, how can I contact Capital One?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called Capital One Customer Service Dept. and spoke with XXXX XXXX ( Rep ID # XXXX ) and XXXX ( Rep ID # XXXX ) about account reviews and credit line increases. 

I have XXXX credit cards with Capital One ; Last ( XXXX ) digits of " first card is # XXXX '' and " second card # XXXX ''. I asked XXXX XXXX and XXXX on Friday, XXXX XXXX, XXXX at XXXX when was my account last reviewed. I was told that information is not documented on my account and the department that does the review does n't take phone calls. I was also told the only way I could get an answer to my questions regarding account reviews was to write in and wait approximately " 20 days '' for a response. 

Although Capital One ' s Account Management Dept. told me my account would be reviewed annually and if I maintained a good payment history, which I have ; credit line automatically increased. They have failed to honor the commitment. 

The only time I 've received a credit line increase was in XXXX when I called asking these same questions. And, that was only on XXXX of my cards. I have good credit with all of my merchant accounts. 

In fact, as of today my balance on the # XXXX account is {$67.00} and my balance on the card # XXXX is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is the 3rd complaint that I have made to you against Experian and now I 'm getting really upset because no one is helping me. These XXXX accounts listed on my credit file are the result of identity theft and my entire identity was stolen to the point that I had to go to a federal location to clear my name! I called and asked why these XXXX accounts were not removed and was told that it is because they did not receive the official police report and I have sent that to them 3 times now to no avail. I need for these XXXX accounts to be removed immediately. 
In XXXX V XXXX XXXX, Congress states that the burden is on the credit bureaus and creditors to prove the accuracy of the accounts and not on me and yet I 'm receiving letter after letter from Experian stating that these have been verified and that they will not dispute this again. Where 's the signed contract with MY signature? Where 's the proof that shows which IP address was used to apply for this account? I know for a fact that it was n't mine! I did not open this account, apply for it, authorize it or have any knowledge of it and it must be removed immediately. The bureaus are required to report ACCURATE AND COMPLETE information and it takes over a year to prove that they are being willfully negligent? 
These are the accounts that I am disputing : These XXXX accounts are the result of identity theft and must be removed immediately pursuant to section 605B immediately and permanently cleared from my credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX

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 2015-09-20 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
calling on Sunday night late

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R.A.Rogers, Inc.
State: VA

Complaint narrative:
I have asked R.A Rogers Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Biehl & Biehl, Inc
State: NV

Complaint narrative:
The debt collections person called me and yelled at me telling me that I am a terrible person and that she did n't have to treat me politely and respectfully, because I owe money. She repeatedly harassed me telling me that she 's here to collect a debt from a person who is less than honest and not worthy of respect and that I should just shut up and pay the money. 

After 20min of asking her to please be polite and treat me with respect she told me that she was n't interested in treating me right and had the right to treat me like I am beneath her. She would n't refer me to a supervisor until I repeatedly asked her again and again and after she finally referred me over she muttered several expletives as she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX has XXXX checks with the dates being XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I want to find out who cashed these checks. I know this information is over 7 years old but I want an official inquiry into where this information still exists. I want to maintain this complaint until this whole matter is resolved completely. This is an old federal student loan and I never cashed these checks and XXXX @ XXXX XXXX claims I did. They say I signed the checks and cashed them within a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was only about XXXX or XXXX when I had a lady from Kohl 's Department store call me about paying off a debt who ended up making me feel even worse than I already did about owing money. When I explained to her that I could not pay anything because I was trying to finish school and that I paid for all of my own bills without help, she told me that I need to grow up and pay off my debt like a normal adult human being. She asked if I it made me feel good having debt. I do n't remember what I said back to her exactly but her words stuck with me and made me feel for a while. I felt horrible for owing money. I wanted to be responsible and take care of the debt but under my circumstances at the time, I could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: LEXISNEXIS
State: VA

Complaint narrative:
I had applied to XXXX and was denied auto insurance due to a report from Lexis Nexis. I had to stick with XXXX since no one else would insure my car ( s ). My XXXX auto insurance came up for renewal and XXXX sent me a Virginia adverse report due to information from Lexis Nexis. XXXX proceeded to hike up my auto insurance cost due to the so called report from Lexis Nexis. Following the instruction in the XXXX report, I wrote to Lexis Nexis to send me a copy of the report. They wrote back to say they could not verify my information and that I should call them. I have called several times, and no one has ever picked the call. If LexisNexis could not verify my information to send me my report, what information do they have to report on?. Unlike my free credit report, LexisNexis is very frustrating and difficult and I urge the government to save us from this unnecessary hardship and distress of several hours of phone call without any result. I deserve to have access to my report. Please compel LexisNexis to release my report so I can correct any factual errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had Savings Account with Capitol One Bank I opened it in XXXX almost one year ago. I put all my life saving in it because of their high interest rate at that time, Also I was preparing myself to move to XXXX and buy a house there. 
In XX/XX/XXXX I moved to XXXX after I sold my condo in XXXX and added the sales money to the same Saving Account. 
In XXXX I found my dream house and I paid {$10000.00} to a Title Company and the rest of the buying price would be paid at the closing date. 
In XX/XX/XXXX I closed my saving Account with Capital One and asked if it possible to send whatever left in my account to where I reside in my brother house in XXXX XXXX. They decided it 's not aloud and they will send check by XXXX in the amount left to the original address in their record ( XXXX ). 
Since XX/XX/XXXX until this day XX/XX/XXXX I have n't received the check in XXXX or in XXXX. Every day since I closed the account I call about 2-4 time daily trying to know the fate of the check ( My Money ) with no avail. In every call I have to spend 10 to 15 minutes only trying to convince Capitol one Bank agent on the phone, that is me ( XXXX XXXX ) who was talking and asking about his money, and always the call ending without reaching any conclusion or knowledge where about my money. I asked, since no one cached any check yet, if they can transfer the money to a new checking account I opened here in XXXX, they said NO, or if they wire it directly to the title company, still NO. I could not find any way or solution to have my life saving money back, still no help from anyone big or small and almost no communication with their way of communications in the phone. 
The closing date with the title company on XX/XX/XXXX that mean if I ca n't have my money to pay the rest of the house price to the title company by this date, I will lose the {$10000.00}, the house and all the money I spent so far to secure the loan ( Appraisal, Inspection, Pay Insurance for the house for the whale year, and many ... many more about {$5000.00} so far ) Please Sir/Lady ; I beg you try to find some way to let me have my entire hard earning money other wise my lost would be a disasters for one like me living only on his S.S. money ...!!!

Company response to consumer: Closed with explanation