vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
My wife has XXXX credit card accounts with capital one account # XXXX and # XXXX in XX/XX/2015 capital one posted XXXX payments to account ending inXXXX have contacted them about the error which subsequently generated late fees on account ending XXXX. which capital one said they were reversing but have seen no result of the impending reversal, and was not assured that any negative report to credit report would be corrected as a result of their internal error causing XXXX account to show late in their records. which also generates deragetory reporting on credit report. Want all subsequent late fees and negative reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I opened a Capital One Credit Card account ( Ending # XXXX ) in XXXX XXXX, I then had unexpected medical bills in the amount of {$90000.00}, I unfortunately had to file Chapter XXXX bankruptcy on XXXX XXXX, XXXX, It was discharged XXXX XXXX, XXXX, I submitted all the necessary paperwork to Capital One but am still being billed, have been paying them since XXXX, Am I entitled to monies spent refunded?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one corrected XXXX entry on my credit report but not the other, XXXX cards were disputed in my original complaint and only XXXX was addressed. Please see attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
For a Capital One Savings account, you apparently need to have a minimum of {$300.00} to avoid any " maintenance '' charges. I eventually noticed the charge after two months, brought up my balance to {$300.00} in the middle of the month ( XXXX/XXXX/15 ), and was subsequently charged another {$5.00} on XXXX/XXXX/15. Based on my chat session on XXXX/XXXX/15, the representative said I would need to have {$300.00} each day ; so apparently I can not offset this and save myself from the {$5.00} fee because I can not go back in time to XXXX XXXX to bring the account back up to {$300.00}. 
So I will have been charged {$20.00} for an account that will have earned me about XXXX cents in interest over the same time period.

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

Complaint narrative:
I currently have a complaint being addressed by your organization regarding Capital One. I recently learned that regardless of the XXXX phone calls I have initiated since XX/XX/XXXX with Capital One, they continue to perpetuate this process. A few days after I made my last call to Capital One, and after they failed to return my calls after XXXX separate requests which forced my hand to file my complaints with the state of XXXX and XXXX offices of the attorney general - Capital One sent yet another letter to the address in XXXX, which I requested and demanded they remove from my account two weeks and XXXX calls earlier and had informed them on XXXX previous calls that I currently had a credit card open with Capital One which had a present address in XXXX. This last letter indicated to the individual at the address in XXXX that attempted to open the account in my name, to please contact Capital One as the account was temporarily on hold and they needed to speak to the card holder prior to moving forward with activating the card. You can imagine my newly found frustration with this process, as I have been informed by at least XXXX different people and XXXX additional managers at Capital One that the card and the account have been deactivated, yet letters that have been sent to the address in XXXX dictate otherwise. 

I will be gaining access to all of the information and sending them your way ... 

Thank You,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
THIS ACCOUNT WAS NOT OPENED BY ME SOMEONE HAS MY PERSONAL INFORMATION AND I HAD NO KNOWLEDGE I AM REQUESTING THAT THIS ACCOUNT BE CLOSED AND REMOVED DUE TO THAT FACT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Checked my credit report 4 years ago saw there was a capital one credit card in collection. Filed a dispute since then it has been reopened every year by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I paid my CC bill like always. My statements were begin sent to my junk my. My payment was always {$25.00} so thats what I was paying. I received a credit alert from my credit monitoring service stating I was 30 days late on a payment. I was shocked. I quickly logged on and paid what I needed to pay to get to current status. I never received any notification about my account until the alert. Why would I get notification when I paid the bill? I 've tried contacting them multiple times and they state there is nothing they can do. Which I know is not true. I have been a member since 2008 and have never missed a payment. I also sent them a goodwill letter, again no response. I followed up with a call, again they claim there is nothing they can do. For 1 " so called '' late payment that did not actually occur. They have made XXXX of dollars off me and I have never missed one payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
A bill for {$93.00} that I do not owe. Looks like a scam letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a Capital One account in XXXX XXXX that had a {$300.00} credit limit. Due to recent layoffs at my former employer, I was unable to keep up with the monthly payments. However, in or around XXXX XXXX, I paid the account in full. Over the past year or so I have struggled to get in contact with Capital One regarding this account. It should have been removed almost a year ago but being that I initiated a dispute, it is not showing as being reported on XXXX/XXXX/XXXX which is extremely inaccurate. All I want is for this account to be removed from all XXXX credit reports like it should have been a year ago. It is affecting my credit in a negative manner and hindering me from getting other credit. It 's being reported inaccurately due to the updated reported date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I received a copy of my credit report, and the following was on it as derogatory : Credit Collection Serviic XXXX XXXX MA XXXX ( XXXX ) XXXX Placed for collection : XXXX/XXXX/2014 Balance : {$88.00} Pay Status : In XXXX Company This is not my debt, and I never received any correspondence from this company regarding such debt. I am asking that this be investigated, as I would like it removed from my credit report. 

Any help you can give me in this matter would be much appreciated. 

Thank you, XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 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: GA

Complaint narrative:
Credit Collection Services ( CCCS ) appeared on my credit report. This debt is coming from XXXX XXXX. I have n't been given the chance to dispute as each call received or made to this creditor the representatives are only interested in me paying balance. I have tried to discuss and advise them I do not understand why I owe balance and the reply is always " this debt is non negotiable and this is the amount needed to be paid ''. I do not feel I owe XXXX this balance as I inquired a new, different policy within few days after my due date. This collection agency has ruined my credibility. I feel victimized and helpless.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 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: FL

Complaint narrative:
Reporting erroneously/ incorrectly/ inaccurately with Credit Reporting Agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 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: CCS Financial Services, Inc.
State: MT

Complaint narrative:
I had auto insurance through XXXX XXXX and canceled XXXX years ago, and now this credit collections company says I owe them money and are trying to collect. I do not owe this company money and would like them to stop sending me letters and calling!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
No knowledge of said debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
When I ran my credit report to buy a home I found a credit card from Capital One on my report ..I do n't have nor have I ever had a capital one account..I called Capital One and got the run around being passed from person to person who kept asking for the card number..I do n't have an account how can I have the number..Told them I was calling the fraud department for a fraudulent account they put me in touch with a person named XXXX who said she would call me back in 24 to 48 hours.. never did, than I find out that they closed the investigation and were holding me financially responsible for this account..How can I be held responsible for an account I never opened someone else did and they wo n't return my calls to resolve this matter..It 's XXXX dollars and is wrecking my credit they do n't care..I need help to get this off my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
At age XXXX as a college student without income, I received an unsolicited Chase credit card with a high credit limit of {$11000.00}, well above my only other piece of credit of {$1300.00}. I ran up the balance to the max and was ultimately unable to pay. Chase charged the account off in XX/XX/XXXX, said they will no longer pursue collection of the debt, and filed a XXXX with the IRS. I paid the income tax associated with the XXXX in XX/XX/XXXX. XX/XX/XXXX, l left my job for a better one only to be told I could n't be hired based on my credit report reflecting an amount owed of {$13000.00} to Chase. I reached out to Chase to have the amount owed changed to reflect {$0.00} and they told me I would have to payoff the debt. I am now unemployed and in a catch-22. To make matters worse, I do not qualify for State unemployment since I left my old job voluntarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
I started getting medical bills from XXXX Florida medical center. Which i have never been to any sort of medical center in florida. So i called the number on the bill and tried to explain it has to be a mistake. They did not offer to help at all said that it was me and i need to pay the bill. So I contacted the Hospital directly and explained it could n't have been me i was working at my job in Indiana. So they were helpful and told me i needed to prove it some how to clear things up. So i had sent a Picture of my I.D as well as a signature to the hospital. I received a phone call stating that there was a mix up at the hospital someone with the same name and birthday as me was there but they lived in Florida. I stopped getting bills from the hospital. But as of today i received a bill from Transworld Systems for a XXXX medical bill. I will provide any documents needed to get this resolved for good! Just do not want my credit impacted over bills that are not mine. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
Today 1st Franklin came to my place of employment. I was not at my desk but received XXXX voice mail messages from securty advising that someone from the company was in the lobby to give me a financial debt claim. I am very embarrassed. I entered into a reduced payment amount and I am experiencing financial hardship. 
I am not disputing the debt. But would like to settle for 50 %.

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 2017-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Fl. 
XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission ADVANCED COLLECTION acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 2016-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
My father has deposited {$1000.00} to my SunTrust account to pay for my XXXX XXXX mortgage loan. As you can see with the evidence of check image print, deposit of {$1000.00} was made. However as you can see only {$200.00} was deposited on my account. 
As a result of this horrible incident, {$800.00} went missing and my mortgage payment has been past due. With evidences attached, I have been charged with multiple late charges and fees from XXXX 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 monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: FL

Complaint narrative:
This letter is a formal complaint that Fedloan Serving is erroneously reporting derogatory late payment-history information regarding my student loans which they service, to the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX. These negative entries are having an adverse effect on the ability to obtain credit under favorable terms and/or denial of credit. These accounts were included in a forbearance granted by Fed Loan Servicing in XXXX. The forbearance means that no payments are due and therefore no payments could be late. 

Attached is a copy of a letter that I received from Fed Loan Servicing outlining the details of my forbearance from XXXX. 

Attached is a letter sent to Fed Loan Servicing, requesting that they remove all late payments. Fed Loan Servicing maintains that they are reporting accurate credit information to all XXXX major credit agencies, an assertion that I dispute. 

Fed Loan Servicing, in a written statement ( attached ), has further asserted that periods of forbearance do not remove accurate reporting of previous delinquencies, if any to the consumer reporting agencies. This stance is in direct conflict with the XXXX XXXX to XXXX XXXX XXXX, Office of the General Counsel, U.S. Department of Education, dated XXXX/XXXX/XXXX, as issued by XXXX XXXX, United States Federal Trade Commission. This opinion, attached to this dispute concerns the applicability of the Fair Credit Reporting Act ( FCRA ) to the reporting of additional information to credit bureaus about defaulted student loans. It states, " [ The duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ] extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' Therefore, Fed Loan Servicing has a legal requirement, under the provisions of the FCRA, to remove the late-payment entries being made to the credit reporting agencies for the above-referenced time frame, since the affected loans were not delinquent, but whose terms were satisfactorily satisfied through the proper application of in-school payment deferment and/or forbearance. 

I 'm requesting removal of all late payment information from these accounts immediately. Continued inclusion of this erroneous late payment information places Fed Loan Servicing in violation of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I opened a SunTrust Checking and Savings account on XX/XX/XXXX. During the application process they require you to fund your new accounts. I provided a routing and account number and authorized a transfer of {$15000.00} To confirm the external account SunTrust makes XXXX small deposits and a withdraw and those amounts are verified by the customer which I did. 
It 's now XX/XX/XXXX and the transfer has not taken place but the issue is I 've spoken to multiple employees and all of them say " they do not have access to transfer information provided during the application process ''. No one can confirm if this transfer is going to take place or not. Obviously my concern for initiating a second transfer is the potential to overdraft my external account. I was also provided a confirmation page listing the transfer information but again the employees ca n't see that either. 
I 've also asked that my issue be escalated to management but still have not received any contact from anyone with authority. 
Secondary Complaint : My savings account immediately showed as " Pending Closure '' causing immediate confusion. I was informed all savings accounts do that until money is deposited. This is very confusing for a new customer.

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