vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
My daughter is currently being treated for immune deficiency, specifically XXXX Deficiency. She has been having routine blood work since XXXX 2014 to diagnose her deficiency. On XXXX XXXX, 2014, XXXX XXXX sent a bill to a wrong address. After two attempts to send the bill to the wrong address and no contact with either myself or my daughter 's immunologist, XXXX XXXX sent the account to collections. During this time, we had more blood work and XXXX XXXX XXXX XXXX denied one of the tests as " not medically documented ''. As a result, we have a balance of {$230.00} that is being processed through XXXX XXXX XXXX XXXX and has not been paid. Credit Collection Services, the collection agency who has the outstanding bills from XXXX XXXX, continues to send me bill notifications even though I have contacted their office and explained that the outstanding balance is being processed through XXXX XXXX XXXX XXXX. At this point, I am ready to pay the outstanding invoice. However, I feel that XXXX XXXX and Credit Collection Services have been unjustly and unfair in their collection practices. First, for sending an invoice to the wrong address and second for sending the balance to collections when our insurance carrier is still processing the claim. 

I have documentation from our physician which shows that XXXX XXXX XXXX XXXX is processing our claims and I stand ready to produce such documentation. We need help in fighting these companies who wo n't listen and feel justified in using gestapo tactics to collect from hard working individuals who are suffering enough with health issues. We do n't know if our daughter will make it to her XXXX birthday. I 've tried explaining this to both companies but they refuse to listen or have compassion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have several accounts, address and work place on my credit report that i did not make or was not aware of them. # XXXX credit account : Capital One Open Date, XX/XX/2012 did not make this account or had no knowledge of said account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-29 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One refuses to make an exact direct transfer amount from my IRA XXXX accounts to XXXX. I began the process in XXXX 2015 and since XXXX XXXX, my attempts by e-mail, letters, and telephone, in concert with XXXX meet continuous resistance from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
bank chg a XXXX late feeI call wanted to get the XXXX processing add this would of got there in 3 days for pymt to process from where I live. 

cust ser did n't know it so they gave me XXXX add which took 6 days to process from where I live. 

This cause a late chg

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One did not update my new address or phone number correctly. They failed to call or send my statement for three months. The reason I found out was because I was denied a loan for purchase of car. I called Capital one, and they admitted the above and stated they would wave late fee, and contact the Credit people to update that the delinquency was their error. I paid the bill, and they said I have to follow up in 10 days. My question is will my credit be justified, and how long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
i am a XXXX XXXX XXXX retiree who became involved with numerous online business opportunity scam companies. i paid impact ranking XXXX and XXXX inc.XXXX. i reached out to my bank for help after finding out i would never be rendered any service at all ever.i called my bank in XXXX to tell them i was not rendered any service by either one of these companies.i get really confused when my other credit card companies refund me the same company and my capitol one card wont.these companies are committing a crime with a merchant account.how can anybody who took a serious look at my account not see the fraud. i dont feel i was treated fairly or the bank even investigated.i know it wasnt a billing error. i was never rendered any service.i know i signed a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I recently contacted credit collection servic in XXXX, MA on XXXX XXXX to dispute a debt in collections. I spoke to a representative who was really rude and disrespectful to me. I informed the representative that I wanted to dispute this debt. After informing the representative of my request her tone of voice changed, she began to ask me many questions as if I was lying about the reasons why I wanted to dispute this debt. When calling a debt collection agency I do n't want feel intimidated by the representative. The representative acted as though she did n't want to give me the necessary information needed in order to dispute this debt. I would like for this issue to be looked into. If this issues has occurred with me I 'm sure it has happened with many other innocent people. This issue could possibly cause for legal action to take place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had some medical issues and failed behind on my payments but a few month ago I paid {$180.00} on XXXX/XXXX/2015 and brought the account back on track. At the time I made that payment Capital One had a restriction on the account and was calling me asking for that payment because they understood and wanted to work with me. So, I call them after that payment and asked if they could remove the restriction off the account. They said I would n't be able to use the account again so, they could n't take the restriction off. So, I stop making payments on the account ending in XXXX. A few month goes by and a get a call on XXXX, XXXX 2015 with an unrestricting offer. Once I make the agreed-upon amount of {$200.00} total amount, I could use my card again-as long as a portion of my credit limit is available and my account is in a status allowing me to charge. They did give me a due date which, I fell short of by a few days but, I called and made a XXXX payment on XXXX XXXX and they told me the offer was still good so, I told the agent that I will pay the rest in a couple of days later which, I did. So the total payment arrangements was paid on XXXX XXXX instead of the XXXX. I called them back a couple of days after that to ask about the restriction because that said in the letter for me to allow up to XXXX days following my payment for my charging privileges to be restored. XXXX XXXX, 2015 when I called the said they made a decision not to extend the offer but, they excepted my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One hid from me the fact I would lose XXXX airline miles when I cancelled my $ XXXX membership Capital One card ( to get double miles ). Three days later, I realized I had n't redeemed them and called. They were sorry but the account was closed. But, they could offer me {$1100.00} or XXXX equivalent points for hotels thru XXXX. I took the latter. However, upon redemption of my " points, '' identified on the card in dollar amounts I discovered any balance or remainder was forfeited or lost. Using a {$200.00} card, for example, if the charge was {$90.00}, I lost {$110.00}. The remainder was forfeited by Capital One/XXXX without my knowledge or agreement. 
These XXXX companies have attempted to defraud me of approximately {$600.00}. 
Fortunately, XXXX CC is aware of these companies. 
Fundamentally, the equivalent value is somewhat skewed. 
XXXX airline miles, taken from me without my knowledge, is worth much more than was was offered me by Capital One. 
They have defrauded me along with their partner, XXXX. 

To add insult to injury, XXXX, partnered with Capital One, have charged my credit card account for additional funds without my knowledge or approval. 
As soon as I notified my CC company, XXXX, they almost chuckled as they immediately agreed with me, fraud. 
No questions asked. 
Apparently these XXXX companies have a reputation for this sort of thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexus Nexus a reporting agency for driving records, has me down as having XXXX wrecks 1 : XX/XX/XXXX and 2:XX/XX/XXXX. after several calls I finally got the right phone number to dispute this. After speaking with them they realized they had a data entry error and was 1 number off on either my social security number or my drivers license number. They said they would put in a dispute for me BUT it takes up to 30 days to correct. Now I ca n't get insurance at a lower rate because of this company. It took them Mila seconds to mess up my record and will take them up to 30 days to correct. It not only happened to me but also my sister and my niece. I 'm asking that you please help me get this correction done sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XXXX 2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XXXX/XXXX/16 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS XXXX AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
my credit card company will only allow me to make minimum payments or pay the entire balane

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have had medical issues that have caused me to be unable to pay credit card debt. Today I received an email which threatens to arrest me for my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had payment arrangement with the bank and they reported me late on my credit report, I have made all my payment and I had a deferment arrangement that doing that my account would be current, but they are reporting me late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
this is my favorite bank with favorite card but i am very concerned my issue which is veyr important to me is not handled appropriately. its a dispute of XXXX i have NEVER made a dispute in 11 years of excellent customership here but now i am and i am serious about seeing it through and getting refunded at least the XXXX if not the whole amount. I fear it is not being handled properly as evidenced by the stupid letters i sm receiving in the mail. On XXXX i paiud for my child to go to tennis camp 25 days. At that time i did not realize there was a NO refund policy. I know that does not matter.Well after 6 days of her crying every day without me being told by the camp despite calls every day asking finally on XXXX i pulled her out when someone honest told me about it. she was sitting there doing nothing as she had all day before that. First day i was told this. on XXXX i reached out teo them to use some of my credit on another seice since this was the first i was made aware that i had signed a no refund policy. Again would not have signed it had i not been rushing to sign to get my child in. in may.I had ben signed up for XXXX lesson until XXXX when the owner XXXX XXXX answered my emails by accusing me of breaking his contract he had no concern about why i had left, what had happened with my child only that i used the monies tha ti had purchased. no other concern except telling me it was MY PROBLEM if i did not come back. No refunds. he also told me XXXX XXXX that if i did not come back again he displsyed no interest in why i had left if i did not come back hewould re bill me. That was his ONLY concern. Certainly not what you would expect from someone dealing with a child and a service. i told him that day i was NOT coming back. based on his treatment and the uneasiness of the deception associated with the 6 days she did attend. he then rebilled me XXXX on XXXX after the summer ended seemingly with no understanding or wonership of the failed customer service. their position is Simply i signed something. it is that they offered me MULTIPLE opportunities to attend maybe they do not understand XXXX i was not attending after XXXX was lied to about my child when dhe did not attend and baically paid for her to sit out and do nothing XXXX i was treated as i was NOW i sent all the emails to Consumer affairs XXXX and capital one. EVeryone agrees with me.I know i signed the contract but telling me in this instance to ask for a merchant refund is riiculous. absolutely ridiculous. I want a refund.go to the merchant and say NO service, poor Customer service but stick up for me properly after 11 years. I can not believe what i have endured. ask yourself would you return??? I will NEVER again rush to sign something. i want at least my XXXX back if not the entire emoaunt. Go to it please NO EXCUSES designed to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One offered what is called " Choose it '' to help pay off a large purchase over time with no interest. I continued to pay off my " Balance Due '' every month only to find out my " Balance Due '' did not include the amount I had chosen to place in my " Choose it '' " bucket. '' ( I 'm using quotes because this is how the manager on the phone referred to these things. ) I do most of my banking on my mobile device. Therefore, I 've been paying my " balance due '' every month thinking I 've long paid off the " Choose it '' balance as well. No, they hide that balance still outstanding as " SpecialPurch '' under the interest charge calculation on the statement. Additionally, it is at the very bottom of the statement. NOWHERE on my mobile device can I get this additional balance due unless I bring up my PDF paper statement. I trusted the " balance due '' was indeed the WHOLE balance due and paid it off EVERY month. As I do pay my balance very month, I really should not have taken advantage of this " special offer, '' but I did and now I am sorry. 
My concern is n't as much for me, although it makes me very angry. My concern is for others who need a break with interest charges and might not pay off the balance every month. 
Additionally, I feel it is BAD PRACTICE for Capital One to not put SOMETHING, ANYTHING alongside the " Balance Due '' that states " You may wish to pay off this Special Purchase balance off, too so you do n't incur interest by this date. Therefore your actual balance due is $ XXXX. '' Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I neither affirm, nor deny this purported debt, you claim I owe your company {$4600.00}. On XXXX XXXX, XXXX, I contacted CNAC regarding the Credit Entry made on my credit report. I returned the vehicle to XXXX XXXX on XXXX XXXX due to several on-going issues and the engine blowing on XXXX XXXX as a voluntary repossession. When I finally was able to speak with someone regarding this debt and asked if I can do a settlement, I was told yes I can and they would transfer me to the Settlement department. When I spoke to the person in the settlement department at CNAC, I was told by them that they no longer owned the debt and it was sold and they could n't offer me a settlement due to they no longer owned the debt. I asked them why their making entries on my credit report as if they still have ownership of the debt and they told me that they can legally do that even though they do n't own the debt and ca n't offer me a settlement. I have reviewed my credit report from all XXXX credit bureaus and found that the entries made by CNAC inconsistent and possibly fraudulent throughout the last years. I also noticed that CNAC never updated my credit reports when I first purchased the vehicle of payments that I made, they only updated it with negative information. I was told when I purchased the vehicle that they help people build credit and they report to all XXXX credit bureaus monthly of payment, which is n't true. I also notice the first week of XXXX, after speaking with them on XXXX/XXXX/XXXX that CNAC removed the account from XXXX and then add it back on, as well as update all XXXX credit reports status as Volunteer Repossession, which was never listed until the week of XXXX/XXXX/XXXX. I have also sent a letter to them addressing this issue, please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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: GA

Complaint narrative:
I asked XXXX XXXX XXXX for a discount on my automobile insurance they stated that they did not have any discounts, so I obtained another insurance company XXXX and told XXXX I do not owe you money they sent notice that if I showed them my Declarations page they would delete the purported money I owed them I do not have to send them any more of my personal information I do not have insurance with them any longer. So this what I received in the mail in XXXX. I do not have an account with this company. This is IDENTITY THEFT pursuant to 16CFR 603.2. I have contacted this DEBT COLLECTOR. I am feeling upset, about this and I try to sleep but ca n't do that much because of my Credit Report being torn apart just because when I want to secure things for my personal, family or household use, I have intruders trying to steal everything I have in the name of DEBT COLLECTION I did not give my permission for this DEBT COLLECTOR CREDIT COLLECTION SERVICES to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR CREDIT COLLECTION SERVICE to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I do not know how this DEBT COLLECTOR Obtained my non-public private information which is a GRAMM LEACH BLILEY ACT violation. This is IDENTITY THEFT pursuant to 16CFR 603.2. This DEBT COLLECTOR CREDIT COLLECTION SERVICES is trying to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR CREDIT COLLECTION SERVICES, this is aiding and abetting fraud on the Consumer who is a natural person. I do not know where they got some figure saying I owe them they are strangers into my private affairs. 
This Debt Collector has violated and harmed my consumer natural person according to the Fair Debt Collection Practices Act ( FDCPA ) pursuant to 15USC1692c, d, e, f, g, and j respectively. Because of this CREDIT COLLECTION SERIVES DEBT COLLECTOR is subject to 15USC1692k and it must be paid so they will not make this mistake again with a natural person consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have been receiving unsolicited credit card offers from Capital One for over a year. I have filed a complaint in XXXX, 2016 with FTC and wrote a letter to Capital One requesting them to stop sending my credit card offers. They have not stopped. This week alone ( XXXX ) I have received two letters from them containing credit card offers.

Company response to consumer: Closed with explanation