BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been living in XXXX for 6 years someone stole my identity from my home st XX/XX/XXXX but capital one will do nothing to take care of this again I have been living in XXXX since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX 2014, an Unalwful Detainer ( UD ) Stipulation Judgement was entered in the XXXX Court XXXX California in which the parties involved Real Estate Asset Trust represented KIMBALL TIREY STJOHN as Plaintiff and XXXX XXXX & XXXX XXXX as Defendants. The agreed terms in the stipulation was that we would not owe anything if we vacated the property on the agreed date. We kept our end of the agreement, but then the representative for the Defendant has been trying to collect from us since 2014. We believe their actions are fraudulent at best and would appreciate if the collection records entered in our credit record be deleted. 

They have no right to collect according to the UD. We have disputed this item KIMBALL TIREY STJOHN Account Number : XXXX with XXXX numrous times and they seem to be in cohort with the Plaintiff. Please help us remove this item from our credit history, it is damaging anf has been preventing us from moving forward with home obtaining credit lines, home purchase, etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Other

Complaint:
On XXXX/XXXX/2015 i removed the freeze on my XXXX credit reports and applied for a Capital One credit card. I was approved with a {$15000.00} line of credit within 5 seconds and was told i would receive my card within 2 weeks. 4 days later i received a call from " someone '' from Capital One saying i needed to send in documentation verifying my identity before i could get my card. I thought it was a scam to get my identity and ignored it. I then received my credit card in the mail with a welcome letter. I called the number on the card to activate it. I was told that i had to send in documents to verify my identity. I sent them a copy of my drivers license with my current address, social security card, utility bills of gas and electric with my current address to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : XXXX Fraud Dept.-FIT. I then received a letter from Capital One dated XXXX/XXXX/2015 that says " we suspect fraudulent activity on your credit card so we placed a temporary hold on it to make sure no one is using it without your permission ''. I did not hear from them for 10 days so i called them back. They said they never received the documents, I sent them the same copies again to the same address. About 2 weeks went by so i called them again. A lady i spoke to apologized, said i was approved, and she released the card for me to use. I started using the card, made at least XXXX purchases, then received another phone call from Capital One saying the card was suspended because they never verified my social security number. I decided that i was going to just pay off my purchases and cancel the card but when i go to my e-mail online account it wo n't let me access the account. I went to my XXXX and XXXX credit reports and it shows Capital One made a credit inquiry on my behalf so i do n't know what the problem is here. My welcome letter from Capital One shows a credit check from XXXX so i do n't know if it is them i need to go after but i assumed my social security number is in my credit reports. i do n't know what to do so i am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: Byrider Franchising, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My debit card was charge without authorization on XX/XX/2015 for {$180.00}. I did not tell them to take a payment. I was called serval times and received an e-mail to contact them. Shorty after someone took money out of my account which I needed for my rent and has conflicting effects with other bills I had! I work in this industry and this is considered fraud at my company for running a payment without consent.

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 2016-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. 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 CAPITAL ONE BANK USA 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 including : 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 : CAPITAL ONE BANK USA 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, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Capital One grossly mishandled a dispute with a charge that ended in a {$3000.00} loss and the theft and extortion by a merchant who sold us my engagement ring. Due to Capital One 's gross negligence, misinformation from employees who do n't understand their responsibility to provide accurate and timely information regarding a dispute, and Capital One flat out " losing documents '' on multiple occasions - our dispute with this merchant who defrauded us dragged on for more than 6 months. Now, the merchant who sold us my engagement ring has the ring AND our {$3000.00} - the merchant refused to return our money after accepting the return of the ring which was sold under false pretense and defective - now that they have my engagement ring which they 've since irreparably damaged, they 're keeping our {$3000.00} and demanding another {$1000.00} ( extortion ) to receive the remains of my engagement ring. After dozens of " dispute specialists and managers '' assured we have a strong case with more than enough evidence and expert testimony, Capital One 's position at the end was that it simply was not their problem - despite their reckless handling of the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital One has language on the back of their statement describing their terms and conditions. Part of that language covers the situation when previous balances had been paid in full without incurring interest charges, and the first month the previous balance was not paid in full. Their wording is that " If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. '' However their billing system applies average daily balance method in this situation, violating their owns terms and conditions and charging excess interest to all of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I need to clarify an earlier complaint that was filed ( Case number : XXXX ). My lawyer incorrectly stated that that I had an account with Capital One that was abused by defrauders. In actuality I had no account with Capital One. The defrauders opened an account in my name, and had XXXX checks sent to me, which they purported were from them. I foolishly followed their directions, opened a checking account, and deposited the funds in the account, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
A settlement was made with this collection agency and a payment plan was agreed upon, payments were made according to schedule based on letters and phone calls made by the agency. Letters and calls stop arriving and the agency takes out a legal order to collect on an inflated balance. When contacting the bank, the bank states that the deal must be worked out with XXXX XXXX XXXX, who then bully and lie stating they made calls and sent letters, none of which were registered mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX Balance : {$18.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Good Evening, I wanted to reach out in regards to an issue I have experienced with capital One. I had XXXX credit card accounts with them ( XXXX for nearly 10 years and the other 6 years ) that have never been delinquent. 

I deposited a XXXX check on XXXX/XXXX/16 XXXX XXXX XXXX and I had XXXX checks ACH checks with Capital One that were debiting my XXXX XXXX XXXX checking account on this same day, XXXX for {$40.00} and the other was a full account payoff XXXX {$1200.00}. XXXX XXXX XXXX did not pay the checks at the time ( they NSF XXXX/XXXX/16 ) due to funds being released in same time period but they refunded the overdraft fees and said capital one could resubmit and they would pay them. Capital one did not resubmit the checks so I issued new payoff checks XXXX/XXXX/16 for XXXX of the accounts. XXXX/XXXX/16 I called them because my account said restricted and they informed me that they closed all XXXX of my accounts XXXX/XXXX/16 and said they would not re-open them. I have been a loyal customer for nearly 10 years and have never missed a payment on any of these accounts. This negatively impacts my credit score since XXXX of these accounts still have a balance and these are my oldest credit lines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This is an attempt to resolve matter of a false Security Deed that was recorded, executed and not Certified by XXXX XXXX XXXX on XXXX XXXX, 1999 by XXXX XXXX, XXXX XXXX XXXX. The Endorsement page states a title number " XXXX ''. XXXX XXXX can not locate that title number in there system. Ocwen does not have any enforceable interest in the Note/Security Deed and the loan was paid and not assigned as stated in the Satisfaction of Mortgage. The Security Deed and title are defective. This action came about when the Department of Justice entered into a Consent Order with XXXX XXXX XXXX for discrimination practices in XXXX and XXXX New York targeting XXXX females homeowners in low income areas. They were ordered to cancel all loans that were affected therefore there was no contractual agreement. I was a party in the civil action. I 'm attaching the Order from the Department of Justice. 
I sent a e-mail, fax and certified letter to XXXX XXXX XXXX to omit the Security Deed from the Real Estate Division of XXXX XXXX, New York .They have not responded. In Addition, I 've requested the Title Insurance Binder {$150.00}, Mortgage Insurance {$920.00}, Survey Endorsement {$93.00} and Endorsement XXXX and Waiver {$50.00} that was written specifically for the property. You can also request the information from the company as well to verify the information. Please forward information to me once you are in receipt of it. 
I need to obtain a copy the title certificate from XXXX 1999 thru present. My records indicate from the Satisfaction of Mortgage that the loan was not assigned, paid in full and discharged. I want all payments returned to me as quickly as possible Again, All payments ( Principal and Interest only ) totaling {$230000.00} and the surplus of our escrow need to be returned to us. Ocwen acted as a debt collector without verifying the validity of the loan from XXXX XXXX XXXX. The statute of limitations has expired. 
We also need to obtain a mortgage release from you 'll and have a title company to correct the error in the Real Estate Division Recorders XXXX County Office in New York. 
All documents supporting my position are attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Billing statement

Complaint:
I had my card shut off and contacted the company. I was told my payments would only be {$55.00} a month and had been paying roughly $ 75 monthly just to help pay a little extra. I started getting letters saying my payment was falling behind and that my minimum payment was {$140.00} which was not the agreement. I then tried several times to contact Capital One and when I spoke to customer service, they were very disrespecful and accused me of lying to them and giving false information. I was told the account number I was providing is not in the system yet I keep getting letters saying I 'm behind on my payments with that account number. I contacted the complaint department that is listed with the company on this site just to receive XXXX messages to call them. I since have called numerous times and never can reach anyone. I have even left a message asking to call me back with no such luck. And now its going against my credit. I have filed with the XXXX and they did n't really help and said with no documentation they could n't do anything even though everything was on a recorded line. 

I have since been in constant contact with Capital one attempting to do everything on my part to get the issue resolved. I have the names, dates and times of everyone I have spoken with. XXXX XXXX ( spelling? ) Is who I have XXXX been in the most contact with. After a month and a half of calls back and forth and being told to make payments he later told me that no matter what I pay my balance would increase and there is nothing they will do to help. 

Also on the photo I uploaded. It only shows online payments made and will not show payments mailed in or made over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My credit card was lost and then the new card was compromised from shopping online I reported the fraud to capital one but not realizing I paid charges that were not mine to the tune of almost XXXX over the months that I did not realize my card was being used not only by me but by someone committing fraud capitalone policy is that you will get your available credit back as soon as they finish there investigation I got my credit back last month I still have a {$3000.00} surplus on my account that is mine and they are refusing to refund it to me telling me that there is still an investigation going on my representive is named XXXX a totally nasty man who calls up and tells me that there was no fraud on my account because they did not go max out the card at XXXX XXXX I do n't know what criminals do I 'm not one I explained to him I just want the money due back to me that 's on my account it 15 days shy of there 90 grace period and no work is being done on my account there stalling because they do n't want to refund me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The desert is Kohls department store I have made several attempts with them to make an arrangement and apparently the arrangement was not set and they are continuing really calling me morning noon and night to pay a {$300.00} credit card. I had told him I will pay it and they still continue to call me all day and all night the latest call I received with the XXXX at night. And I have tried blocking them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had lost my job and therefor feel behind on XXXX payments. I kept up communication with Capital One and had just agreed to send them XXXX of the past due payments on the following Friday on top of already making that months normal payment. Less then XXXX or 6 days after speaking with them and the agreements being discussed they came and took my car with no warning. After they took my car they failed to follow many CT regulation and/or laws. An example is never sending me writen communication prior to or after the car was repossed. I found out the car had been auctioned, again no communication of the auction prior to, when I recieved a bill for the remaining amount. 

All of this has been terrible and hard to get anywhere in fairly resolving the situation. Now my credit report shows XXXX missed payments and that is simply not true along with other payment information they have listed on my credit report which is also false. I am devastated and if they had just followed the agreement I would still have my car and they would have there loan paid. I truly do not know what to do at this point. I have disputed the information with the credit agencies themselves as well as tried to resolve and communicate with Capital One. 

Please advise me of what I can do to right this situation. I do not understand how companies get away with doing business in a state and not follow the regulation and laws put forth by that state. Thank you for any and all assistance you may be able to give

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I visited XXXX 's on XXXX/XXXX/2016 to purchase lunch for myself and a coworker. The bill came to {$11.00}, which I paid with my CapitalOne Mastercard. 
I logged into my online account on XXXX/XXXX/2016, and when reviewing and reconciling account activity, I observed a second transaction dated XXXX/XXXX/2016, also from XXXX 's, in the amount of {$17.00}. I double-checked my receipt and then placed a call to CapitalOne customer service to inform of the incorrect billing and to dispute the charge for {$17.00}. The female representative was distracted and repetitive. I clearly explained the nature of the dispute, and informed her that I could provide the receipt showing the correct amount. It took me numerous attempts for her to send me a secure link to upload the receipt. 
Two days later, I received a request to contact CapitalOne. I promptly contacted customer service again, where after another very frustrating conversation with a representative who was again distracted and repetitive, I became irritated. She connected me to a supervisor, who informed me that my previous dispute for an incorrect charge had been opened as a dispute for fraud, and that she must invalidate my card. After clarifying again that the dispute was due to an incorrect billing and not fraud, the supervisor placed me on hold for about 5-8 minutes. She then agreed to correct the previous dispute, but refused to acknowledge the previous rep 's incorrect actions, or take ownership of the clear need for training. 

This company needs to provide adequate training to representatives, and when an employee error is identified, to take ownership of how such an error impacts customers.

Company response to consumer: Closed with explanation