vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Received a call from XXXX indicating I owed a credit card bill to Capital One from 2001. My niece also received a call from them asking about my whereabouts. My niece would have been a XXXX in 2001 and would know nothing about a credit card in my name. I asked to receive something in writing from them about this account and he refused to send me anything. He further stated that he was going to send this back to the lender as a refusal on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I spoke with them few months back, after my mother had became very sick. Explained that with her health problems, I need to reduce or delay my payments. They subjected the hardship program, said it would defer my payment for 12 months. I accepted and everything was fine for few months, then started getting treating calls & letters. I expected that since the offered me the program they should at least live up to there terms that they agreeded to. Wish I had never had anything to do with these people!! Do n't keep there word or agreements!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Conduent Incorporated
State: FL

Complaint narrative:
Eppicard does not want to reimburse me for fraudulent transactions done on my card. I use the card to keep my children 's child support separate from my checking account. I do not receive payments as agreed in the divorce decree. The last payment I received before this incident was on XX/XX/2016. I checked my account online on my birthday on XX/XX/2016 it said that there was a deposit on XX/XX/2016. I called my card on XX/XX/2016 to verify the balance. The automated system said that I had a XXXX balance. I called and spoke to a representative who said that I need to file a complaint which I did. I received the results to the investigation which stated that I am lying and they will not refund my money. I have had an eppicard for 4 or 5 years and have never complained of any mistakes or discrepancies. I complained that someone stole my information and stole the {$89.00} that was support for my children and they accuse me of lying. Realistically the odds of someone stealing my card information and my money is greater than me withdrawing the funds and telling them that I did not. I want my money.

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 2015-12-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
yes on my moms credit card om not very happy the way XXXX XXXX forced me into a XXXX monthly ayment plan???? first of all.they wanted me too keep aying the XXXX monthly payment untill few billing cycles till i get the XXXX too take affect????? i could not afford the XXXX a month???? thats why wefell behind on bill????? i really wanted XXXX a month plan??? but they would not accept XXXX a month plan??? was forced into a XXXX a month plan???? like too talked too whos in charge like a top supervisor instead of the lower people on this mattar????? want main supervisor too help on this mattarrr???? going thru hardship now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 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: MI

Complaint narrative:
I changed Auto Insurance Companies and for some reason XXXX XXXX thinks I owe them {$190.00}. I have requested written verification of this debt and unfortunately every time I do the debt is sold off to a different collection agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My bank is USAA : - XXXX unauthorized debits were made to my checking account on XXXX/XXXX/15. Amounts were for {$100.00}, {$6.00}, and {$6000.00}. 
- USAA did not detect these and call me. I detected the discrepancy and called as soon as I was made aware of the unathorized transactions. 
- USAA credited my account back in full for the amounts on XXXX/XXXX/15. USAA never called me to tell me that the account was being credited. 
- Several forms and affidavit were mailed to my home address asking me to explain the situations. Thinking the situation was resolved, I disregarded the requests. Again, USAA never contacted me with instructions. 
- On XXXX/XXXX/15, USAA debited my account for {$6000.00} since I had not returned the forms. The Bank never called me to let me know that they would debit my account for {$6000.00} if I did not return the forms. 
- In XXXX '15, I mailed all proper documentation to USAA including notorized affidavit. The Bank has received forms and has had them on file for over 30 days. 
- As of today, I still do not have the {$6000.00} credited back to my account. When I call USAA, they say that they are awaiting for the XXXX party bank to release funds back to USAA so that my account can be credited. USAA has provided terrible communication on this matter. They rarely call me to provide a status update. The Bank has yet to confirm whether the initial issue was fraud or bank error. I have no estimated time of completion on this account issue. As a consumer, I do not know what my rights are in this case. Funds of {$6000.00} were clearly debited from my checking account in error back in XXXX '15, and I am not sure why I am the party still at a loss when I did nothing wrong. 
- Can you help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Applied for a credit card with Capital One. Application process makes you jump through all these hoops, including income verification through fax/snail mail, which is insulting considering no other credit card issuer requires that information ( and considering my previous account with CapOne ). I subsequently provide the necessary documentation through their antiquated methods ( i.e., fax ). Three weeks go by without hearing back prompting a call to customer service. Customer service is inept, ca n't find the info to process the application, refuse to do anything else to help. Absolutely done with this company, they 've lost a customer for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened an account with capitol one in XXXX XXXX. I had a max balance of {$300.00} and slightly went over. After complaining to capitol one directly about the extraordinary extra charges that they were putting on my account and would not work with me, I stopped paying on the account and allowed it to go into charge off state and avoided paying it while they charged interest and charged it off at {$700.00}. 
XXXX XXXX I received an additional account on my credit report from around the same time in XXXX that I was not financially responsible for. I contacted capitol one and asked for this to be removed and filed a complaint with them. They in turn sent me paperwork saying that it was correct and it was from my XXXX XXXX account and not the one that I was n't financially responsible for. After consulting with a few different agency and them putting inquiries on my credit report I finally located XXXX that was willing to sit down and help me. 
I contacted capitol one in XXXX XXXX and asked for the account that I was not responsible for to be removed from my credit report and to make a settlement with the other. Capitol one agreed to remove the other from my report and sent me an email with the settlement offer of {$450.00} and the account is considered settled and no further collection efforts would be made. I am under the understanding that once I paid this, the account would show closed and {$0.00} balance with it automatically being removed from my report due to age in XXXX XXXX. 
I went back to the person that agreed to help me and we got online and filed disputes with all XXXX credit bureau in regard to the above accounts. After the disputes were made capitol one removed the account that I was not financially responsible for reluctantly. They also showed my original capitol one account still being in collections/charge off state with a balance now of {$250.00}. I disputed this account AGAIN with the credit bureau 's and provided a PDF of the settlement agreement. Capitol one submitted their claim and denied my dispute. Now I am contacting CFPB for help on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX credit card last year I had XXXX credit cards XXXX XXXX closed all accounts for fraud XX/XX/2016 account XXXX XXXX say on account Bal. XXXX I went in my my bank account every account is paid thought my bank account this account is not in my account XXXX XXXX is asking for money I do have the card never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I received an Escrow Shortage notice via mail from Chase Mortgage. I was not credited for {$200.00} to my escrow account for XXXX 2015. My escrow payment comes directly out of my house payment each month. I have called numerous times and spoke with XXXX different people at Chase regarding this. Supervisor XXXX XXXX said I was correct and their statement was inaccurate. She then called me back 2 days later and said she made a mistake and would send me the appropriate paperwork. I have not received anything further and I left a message for her on XXXX/XXXX/15. She has not returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One of XXXX XXXX XXXX XXXX XXXX XXXX UT had reported XXXX/XXXX/XXXX to Experian Credit Bureau, that account # XXXX was not late XXXX XXXX, as Capital One had previously reported XXXX, XXXX of XXXX and XXXX XXXX. 
This inaccurate reporting effectively RE AGES the account to report past the statute of limitations for reporting to credit bureau under the Fair Credit Reporting Act. 
When I asked Capital One for a payment history from XXXX to XXXX, Capital One stated we delete old files. When I asked for signed copy of the application for validation of debt they did n't respond. 
I mailed to capital one copies of the early statements that I had on hand for XXXX and XXXX with late payments listed and Capital One did n't answer certified return receipt mail. 
The late charges on the statements are -- XXXX for {$29.00}, XXXX for {$29.00}, XXXX for {$29.00} XXXX for {$15.00}, XXXX for {$29.00}, XXXX for {$39.00}, XXXX for {$39.00}, XXXX for {$29.00}, XXXX for $ XXXX no change. 
The date of first delinquency is inaccurately reported. 
The payment history is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I signed up for a Capital One card in XX/XX/XXXX. The interest on the card was unmanageable, and after making $ XXXX/month payments that did nothing to reduce what I owed, I stopped making payments in XX/XX/XXXX or XX/XX/XXXX. 

I realized this would negatively impact my credit, but I had no means to pay down the high interest on the card. In XX/XX/XXXX, while in college at XXXX, Capital One sued to collect all the unpayable interest. When I received the notice of legal action, I also received a credit card offer in the mail the same day from Capital One. I had no money for legal representation and Capital One won in my absence. 

That was in XX/XX/XXXX, and in the years since, I have received many credit card offers from Capital One, but I heard nothing in regards to the judgement against me. 

11 years later XX/XX/XXXX, I was sent a notice of wage garnishment. They are now attempting to collect over {$3000.00} from me. In the 3 weeks since receiving that notification, I have also received XXXX different Capital One credit card offers. 

I make $ XXXX/hr. I have no savings. I have student loans I ca n't afford to pay, and a car I ca n't afford to fix. I live in a XXXX room apartment. Despite all of this, Capital One is taking {$170.00} out of each check ; that 's {$350.00} a month. I can no longer afford to pay basic bills. 

Capital One gave out credit cards specifically to profit from the high interest, then waited to pursue legal action until the last possible moment, then waited 11 years to collect on that debt. If Capital One was so concerned with getting their money then why would they wait 5+ years to sue, then 11 more years to collect? If they 're so concerned with collecting their debt that they sue a poor college kid, then why have they consistently tried to sign me up for another Capital One card since suing me? 

I 'm asking that in light of Capital One 's predatory practices and continued disregard for the ability of the poor people they prey upon to pay back debt while still sending new credit card offers, that this debt be forgiven by the company and that all future credit card offers cease. 

Their actions have shown that, by continuing to offer more credit cards, they do n't need the money and they do not care about giving it away.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a credit card with Capital One. They made me a balance transfer offer, 0 % for 18 months. On Tuesday, XXXX/XXXX/16, via their website, I requested a check to be mailed to me rather than enter the information for the account ( elsewhere ) I want to pay off. 

This morning, XXXX, I received an email saying that my loan had been approved and posted to my account. I logged into my account, and saw that indeed my balance had increased by the amount requested. 

But, I have not yet received or deposited the check. It seemed to me that the loan should not be in effect until I deposit the check. Until then, nothing has really happened. 

I contacted CapOne through online chat to try to get them to reverse the charge ( and the clock starting on the intro rate ) until I deposited the check. Their policy turns out to be even worse than I thought. They told me that it can take up to two weeks for the check to be sent out, but that, indeed the balance posts and the clock starts from the day the loan is approved. 

Think about it this way. When I bought my apartment, I applied for a loan. My loan was approved. But my loan was not in effect until the closing, when funds were actually dispersed to the buyer. 

In this case, they are calling it a loan and have started the clock when the check has n't even left their building, let alone disbursed any funds! 

This ca n't possibly be right. Please make them address this abusive policy for all balance transfer customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I own a small business in XXXX XXXX, as a regular practice I have to send checks back to my clients for refunds. On XXXX XXXX, 2015 I mailed out a check to one of my XXXX to XXXX for {$770.00} dollars. After 15 days my client called and ask me about the refund because he never received the check. I went to the branch where I have the account located in XXXX XXXX and XXXX XXXX XXXX XXXX, and the check appear deposit and paid to the account number XXXX in XXXX XXXX My client has not business in XXXX, he lives in XXXX XXXX I dispute the check with the Capital One Bank immediately but not case number was given to me and I asked for it, few days again I spoke to the branch manager who told me that the case was with the Fraud investigation unit but she can not give a phone number to follow up. After 2 months I have not received any answer for Capital One neither my money has been refunded. 2 weeks ago I went back to the Bank again and the management was changed and I was told they do not know about my case. Capital One Illegally deposit a check from my business in an account above mentioned in XXXX XXXX, XXXX XXXX miles away from my client location and has been negligent in resolve the Bank fraudulent deposit and refund the money to my account. 
Please see attached the fraudulent deposit in XXXX XXXX check XXXX XXXX XXXX, 2015 and the check I mailed out to my client a month later and deposited in California, check XXXX, this check has his real signature. 
Please see my account information below. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXXCapital One BankACCOUNT N : XXXXBranch Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXPhone numbers ; ( XXXX ) XXXX / ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Conduent Incorporated
State: VA

Complaint narrative:
My card was fraudulently used for over XXXX worth of transactions without my consent. I opened a dispute with Eppicard on XX/XX/2016. I was advised upon signing and returning the affidavit by XX/XX/2016, that I would receive provisional credit/refund of all charges while the company investigated issue. The company XXXX mailed affidavit to the wrong address, the had to re-maill to me. I mailed the completed affidavit on XX/XX/2016 in which I was told it had yet to be received. Upon speaking with XXXX more customer reps & XXXX level XXXX reps I was advised to fax in affidavit just to be sure it was received by XX/XX/2016. I faxed the paperwork to the # provided by each rep & received confirmation receipt. I then called on XX/XX/2016 and was told by a Rep named XXXX that faxes are not accepted & that I would not be refunded. I then spoke with a XXXX whom stared that faxes are acceptable however they will not refund due faxes take up to 48hrs to process & that will put the paperwork received after XXXX/XXXX/16. I asked her about being escalated to a supervisor or higher up, she refused. I then asked her what can I do to get my money back seeing as I 've done everything I was advised to. XXXX told me I can just wait it out to see if they investigate or get a lawyer & file suit. This card is for my children ( child support ) & eppicards process is completely unacceptable & inconsiderate. The employees are rude and they never seem to give the same or accurate information.

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 2015-10-20 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: TX

Complaint narrative:
XXXX XXXX continued attempting to charge my account after the policy was cancelled. Then the balance was turned over to Credit Collection service XXXX File XXXX. I contact XXXX XXXX and received confirmation of the error. I also contacted the collection co by emailFrom : XXXXXXXXXXXX : XXXXXXXXXXXX : RE : XXXX XXXX Recurring Charge DeclinedDate : Tue, XXXX XXXX 2015 XXXXYou are correct, I apologize for the error and have sent this to processing to hopefully stop the emails from coming in! 

Best regards, XXXX XXXX ( 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 2016-08-05 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: PA

Complaint narrative:
Credit Collection Service placed account on in my credit file without notifying me. In my previous dispute to them, I advised them that they are in violation of the early warning notice clause of the FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify consumer by mail before placing negative items on their credit reports. Moreover, Credit Collection Service are in violation of FACTA section 623 ( A ) ( 7 ) because they did not remove the items off my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 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: TX

Complaint narrative:
I have asked repeatedly for the company to validate this account. They verified it to the credit bureaus, However they will not provide their method of verification. They have not provided me with the documentation to prove to me that this is my debt and that they are entitled to collect if owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I 've been making payments to Capital One every month through my bank bill pay. My bank can verify payment was made and delivered on time to Captial One, however, Capital One sits on the payment for two weeks after reciept -- causes me to incur late fees. Ex. XXXX XXXX 2016 - XXXX sent my payment of {$200.00} to Capital One. The bill was due XXXX XXXX. I spoke to XXXX XXXX around the XXXX to ask why they have n't cashed my payment. They said they never received it, so I made a payment to avoid getting a late fee. On XXXX XXXX, they cashed the {$200.00} check. I feel I can prove they are purposely sitting on checks and not cashing them on time -- causing consumers to incur high late fees and automatic interest rate increases.

Company response to consumer: Closed with explanation