vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fall of XXXX, I applied and received XXXX Capital One credit cards. Less than a week after they arrived, I was contacted by Capital One to notify me of an internal breach and that new cards will be issued. The new cards were received and I began to use them for my XXXX businesses. XXXX XXXX, I was contacted by a collection agency asking for payment on a {$5000.00} loan taken out in my name in XXXX XXXX from XXXX. After a lengthy conversation with the collection agency personnel, I was told to go and file a police report and freeze my credit with the XXXX agencies to reduce the chance of this happening again. I went to the police department and filed a report and had my credit access frozen for 7 years. Shortly after, both Captial One credit cards were frozen and phone calls and letters were sent between a Capital One representative regarding this. I was asked to complete a form authorizing their auto-withdrawal of the current balance from my checking account on file, which was completed. When I asked when I would receive new cards, I was told that would occur later. The XXXX statements showed interest payments owed because Capital One did not take the auto payment out when the cards were frozen by Capital One. 1 ) I asked the interest be removed given it was Capital One who stopped the auto pay from the checking account. 2 ) I asked for new cards to be issued when Capital One decided to freeze my use even though I paid them off in full each month and never missed a payment and have over XXXX FICO score. I was told this evening by the Capital One representative that my accounts were set up as payment only and that I would need to re-apply for credit cards. I expressed my disappointment that Capital One and it appears it is doing this to be punitive for identifying Capital One as the point when my identity was stolen last fall XXXX in the police report. Since the Capital One internal breach someone has been trying to open numerous bank accounts throughout the country. It is not my doing that Capital One had customer data compromised by XXXX of its employees as was told to me by the first notification and announced in the business news.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: New Century Financial Services, Inc.
State: VA

Complaint narrative:
1 ) Sued me on debt that is too old to be sued on, if it even exists. I have n't held a credit account since 2009 2 ) Sued me without properly notifying me of lawsuit, I have received no notices letters or correspondence or summons. 
3 ) Sued me where I did not live, apparently I have been sued in NJ, I live XXXX states away. 
4 ) Seized property, & yes they emptied my bank account to XXXX balance.

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 2015-08-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
left my personal notebook bag front of porch and it got stolen along with my ID card, my social card, my passports along with my credit cards and debit card and my MAC AIR notebook 2011 seriesalong with my bar tending class flashcards

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX has reported to all XXXX credit bureaus that I have a delinquent credit card account with them that I do not believe is mine. I have sent numerous requests for proof of debt according to the FTC guidelines and have asked that they provide me with something with my signature on it that I indeed applied and used this credit card. To date, all I have gotten from them are responses to the effect that this account was applied for online and that I made a payment on the account. Still nothing showing proof that this debt and all charges thereto are indeed mine. I contacted the FTC about this situation and they referred me to you for help with this situation. All I 'm asking is that I get written documentation of some document with my signature on it that proves this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Today, at XXXX, a women who after I asked several times said her name was XXXX XXXX XXXX called me and acted like I was aware of the debt she was speaking of. I told her someone else called this past XXXX and he without making an attempt to make clear what he was talking about, was asking me for permission to record the call. I declined and asked what he was talking about. He finally stated it 's a Capital One credit card debt from 15 years ago. He started making some snide comments and I told him that I 'm not sure about this debt, but if it 's been 15 years you will have to forget about it. I told him not to call ever again and had to hang-up because he kept speaking. I 've had plenty of calls since then but did not answer because of the XXXX area code. But today this XXXX got me and wanted to get me to pay despite my repeated attempts to ascertain the nature of the call. She said it 's a Capital One credit card debt from 15 years ago that was {$200.00} that they usuriously grew to over {$5000.00}. I talked over her telling her to not call again and I could n't make out what she was threatening to do. I 'm sure over a decade ago I sent them a written desist demand. They keep pulling my credit report and harassing me. I want them to stop contacting me and stop pulling my credit report, They are a less than reputable company and have grown because there are a lot of foolish people that do business with them, or have they changed? I doubt it. They even state on an old collection notice that they ca n't sue or report payment or non-payment to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 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: NY

Complaint narrative:
XXXX and XXXX, a collection agency for XXXX, a XXXX XXXX NY newspaper called regarding a {$20.00} overdue bill I have. The caller, XXXX XXXX ( extension XXXX at XXXX ) was extremely hostile, abusive and rude. I told him my mother just passed away a few weeks ago, and he got even nastier. There is absolutely no reason at all for this company to behave like this. I do not have a credit card, so I am having my friend take care of this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My credit card was opened in XXXX. At some point in XXXX, electronic delivery of my statements was activated without my permission and I failed to receive notification that my account was overdue. They never attempted to contact me via United States Postal Service. I became aware of the unpaid balance when I got a copy of my credit report showing the 30-day delinquency in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was banking with Capital One 360, online banking since XXXX XXXX, XXXX and XXXX XXXX, XXXX, when I spoke with a Capital one 360 banking representive, " you can come and bank with us, if you have any problems with your old bank, which is XXXX, we will do a good job with your account ''. XXXX XXXX, XXXX, I transfered my Money in the amount of {$750.00} from XXXX to the Capital One 360 account. I could not believe or to my surprise the Capital One 360 online banking representives irlegally gave my money back to XXXX! Me as a Loyal Customer begin to make transactions, when I saw my Deposit get in to the Capital One 360 account, 75 % of my bills I requested Credits due to the XXXX Fraud, of trying to ir-legally take my Bill money and necessities money! XXXX Employee 's had ir-legally taking money from me before. XXXX XXXX would never put Fraud in a Mail Box. XXXX would let positive pay, go though by " your funds are here '', and than it would try to ir-legally get me to lose everything!!!! I have, so today XXXX XXXX, XXXX, I am filing a complaint against XXXX for Fraud, and Capital One 360 Online for no Fraud coming in to this account!!!!! When I worked as and in XXXX, I was the Employee, not the Employer!!! XXXX XXXX never put fraud in a mail box!!!! I do not know what Fraud looks like! XXXX!!! XXXX has a problem distinguishing Fraud? I would hardly believe that XXXX Employee 's has a problem distinguishing fraud!!! Meaning, they would do alot of ir-legally things, constancely trying to take money from me, I had XXXX on my registrar, I went into the XXXX XXXX Branch, when I had a correct balance, it may have been the year of XXXX, when my bank book correctly, when I was told by a Branch Manager at the XXXX XXXX XXXX Branch, " if you want to stay with XXXX Bank, we have to charge you, {$37.00}, you plus you have to pay have XXXX XXXX. I showed him my XXXX how well I well I balanced, meaning XXXX money was already there, when he ir-legally, started taking money from me stay them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
A representative fraudulently took money out of my account without my authorization. I did not give permission to take my payment out nor was I set up on auto draft. I was not past due and when I pay I have to give my expiration date and XXXX XXXX along with my billing zip code. Also the amount taken out was manually entered because it was less than my normal bi weekly payment of {$190.00}. The amount taken was {$180.00} on XX/XX/2015. I was called several times that day and sent email from cnac. A customer that is current should not be harrassed like this. I call XX/XX/2015 and was placed on hold while a supervisor reviewed my account for XXXX minutes then hung up on. When I called back a was transferred to supervisor " XXXX '' whom used abusive collection tactics for a customer calling about fraudulent activities on an account. He would n't let me explain my concerns and was extremely unprofessional. He said I owed the payment which made me feel this is okay for CNAC to process my payments without my authorization and choose whatever dollar amount. Had he handled the call as a member of management would I would have not filed a complaint this. Furthermore " XXXX '' said he would refund my money but started to collect the money right back! Saying I am 3 days past due so I need to pay him. I do n't feel comfortable with my loan being with CNAC and representatives just take money out of my account just because they have access to it to obtain personal and company goals. I also advised the supervisor that I may have to file a CFPB complaint to amicably handle this matter and he said, " SO '' I can understand an error but this is someone fraudulently taking it upon themselves to run my payment. XXXX did n't seem to think this was a serious offense.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I transferred money to a programmer about a year ago to design and program games using the XXXX software. The job started out ok, he was making progress and sending me different builds. After a few weeks, he completely stopped communicating with me and I had to start a dispute on paypal. Once the dispute was elevated he finally communicated with me and said he would finish the games in 2 weeks if I cancelled the dispute, so I did. Needless to say, he did not finish the games and would keep telling me they would get done. I made the mistake of believing him because I could not dispute the charge again. It has been months and I have not heard from him. The services paid for were not completed and he has stolen my money. I have supporting documentation and communication proving he did not complete the work and will not respond to any messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
After dealing with USAA and being told that they would not update my credit because a payment had not been made I got the answer I was looking for. USAA acknowledged they were wrong and sent a letter to the credit reporting agencies on XX/XX/XXXX that they need to correct what was reported. USAA claims they removed the late fees attached onto the account. I asked that they credit the payment that should have been made in XX/XX/XXXX of {$80.00} and for the XX/XX/XXXX payment of XXXX. They are refusing to give credit of the {$80.00} or {$44.00} as they are claiming they did not get a payment from me, even though I authorized both payments to come out and their representative did not set up the payments. They acknowledged to me in a letter XX/XX/XXXX that I did have a payment set up to come out XXXX which led me to believe I in fact had the first payment go through. No one at USAA can tell me why I was never called after my first payment did n't go through as the account was behind before the payment was set up with XXXX from their member debt solutions team. I then received a letter on XX/XX/XXXX stating that I was behind and needed to make a payment. When asked why I was never notified they could not respond. When asked why they could n't credit the account they said because they never got the payment ... even though there is a letter stating otherwise and that payments were set up. I told usaa and offered to pay the balance in full if they credited the XXXX and the XXXX to my account and that that remaining balance could be and would be paid off in full. This company is turning away my money and still holding my credit hostage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One changed the interest rate on my credit card account from 0 % to 12.90 % APR without any notification that this change was taking place. As a result, I had no time to remit payment in full on my account prior to the interest charges beginning to accrue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 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: ERC
State: IL

Complaint narrative:
In XXXX XXXX I changed my Cell phone services from XXXX XXXX XXXX to XXXX. As a result there was service and discontinue contract charges totaling over XXXX. I paid some then got contacted by a collection agency of XXXX XXXX XXXX in XXXX. I settled the debt with them for like XXXX. They assured me that they marked the debt is paid off by an agreed settlement. Early XXXX I got a call the same collection agency requesting to pay some {$550.00} for a debt to XXXX XXXX XXXX. they explained its for the cell service. I explained and they looked up their notes and confirmed that I settled and not to worry about this ever again since they will take care of this balance. Here we go in XXXX I get the same collection letter, from a different collection agency this time. And they told me that they have no notes about this account being settled and I have to pay {$550.00} now. ERC collection XXXX. Ref # XXXX. They did n't care of what I have to say. I need XXXX XXXX XXXX to stop assigning this account to different collection agency. I am XXXX and they continued to harass me for the last 3 years. When is it going to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX 2015, I applied for a Secure Capital One Credit card with a XXXX dollar spending limit. For some reason, it acted as if I applied for a normal credit card and added a hard inquiry on my credit score which is negatively impacting my total overall credit score. I 'm assuming this is based off my of my current credit score, which is why I applied for a secured credit card in the first place. I would like for this to be removed as soon as possible, as I never applied or signed up for a normal Capital One Credit Card. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one bank returned a check even it being my first time with insufficent funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
We were on vacation out of the country for two months. We paid the credit card company in advance for expenses that would occur while we were gone. I arranged this and notified the Capitol one visa card in advance. While were were gone they sent a check for the positive balance we had for the second month while we were gone. When we returned home I sent them XXXX checks. I confirmed they received XXXX check. The other they stated they did not have. They told me to contact my bank and put a stop payment on the check. I did that. I requested a raise in the credit card limit. They sent me a letter stating they could not raise my credit limit due to a stop payment. I tried to explain with no resolve. I must admit I lost my cool with them during this discussion. They told me they raised my credit limit a few weeks prior. I asked them why no notification? They did not raise it, this was a lie. I told them we have excellent credit rating and I did not want them tampering with it due to all there errors. 
Our error was paying in advance in good faith. I would suggest to others to use great caution dealing with this company. I should be noted that prior to this conversation they awarded us XXXX air miles for the hours we spent on the phone with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Innovative Credit Solutions
State: AZ

Complaint narrative:
After reviewing my credit report, an adverse account was reported to XXXX credit reporting agencies by Innovative Credit Solutions, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ). I have had no association, contact or any communication whatsoever with Innovative Credit Solutions. I have written to them requesting information and have not received a response. I have disputed this with XXXX credit reporting agencies. XXXX has removed this adverse account and I am continuing to dispute this adverse account with XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-03-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX also has an account listed by CCS Collections in the amount of {$81.00}. This account was paid directly to XXXX several months ago. I was never contacted by CCS by any means. The representative that I spoke with said the account would be deleted but she could not send in writing. She referred me to a website to print a paid letter. I have proof that I paid XXXX directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My name is XXXX XXXX and i am reporting the capital one credit card for reporting both of my credit cardfor late payments caused by them. it was a very nasty brutal battle to fight with them to remove their late fees on my cards and to move late payments information to the credit bureaus. that happened back on XXXX - XXXX XXXX. XXXX capital one 's employees are horribles, i have requested to have both of my credit cards payments dates to be the same dates. back on XXXX 2016 it was supposed to be on the XXXX of each month. the rep i have spoken with promise that it will request it to be on that date. after that when i did not make the payment on the XXXX for XXXX of my credit card the following month they automatically charge me late fees for XXXX then i called to dispute that and another rep. told me he will not remove the late fees because it was not a bank error. that is how all the problems started. it tooked me 3 months to fight that till back on XXXX 2016 i had another rep who decided to fix the problems for both of my credit cards so i can make my payments. i have never been late since i have my cards. capital one representatives are very rude, they even hang up on me several times. I have this rep removed all the late fees for those months after that fights. But they still did not remove the incorrect information reported to the credit bureaus. That started another 6 months of battle with this disgusted credit cards company. One supervisor XXXX hangup on me when i told him a rep name XXXX says she will removed the incorrect information given to the credit report. she put me on hold and come back and says i can not do it. i asked her what you means you can contact the credit bureaus and removed when you say you can do it, She respond to me that she will transfer to XXXX the supervisor who wasted my time for 2 hours and hang up on me. I am reporting the disgusting ways the employees of this company destroyed they customers credit by reporting wrong informations while saying something else to the customers

Company response to consumer: Closed with explanation