BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-07
Company: DriveTime
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My name is XXXX XXXX, and at the age of XXXX ( currently XXXX years old ) i was in need of a car and had no credit. I knew it was n't gon na be easy. I soon ran across Drive Time a popular used car dealership, as i was looking at the car, i pointed out a XX/XX/XXXX XXXX XXXX XXXX, not even fully loaded remember this is XX/XX/XXXX, i thought it would be the cheapest giving it had XXXX miles and 12 years old. 

As i was sitting down filling out the paper work etc, they said i would only have to put XXXX $ down, and bam! the agent said its that easy. They ended up charging me XXXX $ for the vehicle a XX/XX/XXXX XXXX XXXX, and they had a guy go over the contract so fast it was crazy he kept skipping like XXXX pages saying, you do n't have to look at those pages. 
They financed the car at around 28.6 APR along with a hefty finance fee, i had had no idea what simple interest was, they threw in all these warranty 's and perks that added to the price they did n't ask if u wanted them just said you could opt out if you wanted too. 
I ended up with a price of like over XXXX $ and i am gon na end up paying XXXX $ for a XX/XX/XXXX XXXX XXXX. I feel like this is unfair and would just at least like to have the option of refinancing or a lower price i understand i signed the contract and everything i just wan na pay a fair price, Thank you for looking.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed XXXX items on my credit reports relating to debts that XXXX XXXX had been attempting to collect on. As part of the dispute process, XXXX XXXX sent out a copy of the bill and a letter from Capital One, but I never received any validation documents, such as a signed contract or anything. While discussing it with them, they claim that the bill is validation. any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I filed Chapter XXXX in XXXX XXXX, and my case was discharged on XXXX XXXX, XXXX. TD Bank XXXX was included in my Chaper XXXX and was paid in full by the Trustee for my car loan. I called TD Bank on XXXX XXXX, XXXX to have my car title released to me. I spoke with numerous customer service reps. who assured me that it will sent to me. I finally received it in XXXX XXXX. I have been trying to get incorrect information on my credit report removed since XXXX XXXX, XXXX. TD Bank XXXX is reporting that I have been 30 days late for XXXX and XXXX XXXX. I have been working with XXXX in the Bankruptcy Department since XXXX XXXX, XXXX to get this corrected. She was able to get my title finally sent to me in XXXX XXXX. I have not been able to have these false late payments removed as of yet. Per TD Bank XXXX, they have 30 days to remove this information. Thirty days have now passed and I am being told that they have corrected the information in my credit file and to just wait. I have called XXXX, pulled my credit report and to date the corrections have not been made. They also had another account on my credit report and removed it in two days because I only had XXXX account with them. This too was a mistake they made, but corrected it in a timely manner. I was not discharged until XXXX XXXX, XXXX and can not be reported late for XXXX, XXXX XXXX. They have explained that this is indeed their mistake, but have yet to correct it within 30 days. My patience has been exhausted and I was told to call a week from XXXX XXXX, XXXX and they will look into it. XXXX XXXX would be a week past the 30 days in which I was told it would all be cleared up. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Hello ; I had a GM credit Card/Visa, XXXX for year with a account secure plan that covered death, that would cover my balance, that you paid each month, you patd so many dollars on each XXXX dollars. A couple of years ago, GM sold that account to Capital one Visa. A week ago, I received a letter from Capital One Visa, stating they were cancelling the accout secure plus plan. I called them and asked, what happen to the XXXX of dollars that myself and others paid in? Why not apply that toward the balance on the account. She stated, that 's not going to happen, they would n't do that. I informed her that while I was talking to her, I was writing a Senator ( XXXX ) regarding whats going on with Capital One, she then said " What I can do for you is, credit you for 1 year of payments, paid for that plan. I said Ok and left it at that. People with Capital One Visa, along with myself have paid in XXXX toward this plan and they should have paid down or off card holders balancs. In what I 've paid in, my balance would have been paid off and I 'd keep the card, thanking them for their service. I 'm retired on a XXXX retirement ( XXXX ) XXXX XXXXTakes affect XXXX/XXXX/2015

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
I paid and settled a credit card account with capitalone for more than the amount the actually limit was for, however capitalone is reporting the item on all credit reporting agency as paid and settle for less than the amount. The credit card limit was only XXXX dollars, however on my credit report indicates that XXXX was written off. I have sent challenge letters and even notarized disputes to request for the negative tradeline be removed from all credit bureau agencies or update my credit report as paid and full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I opened a Capitol One XXXX in XXXX, lost my job and it was charged off in XXXX. On XXXX XXXX, XXXX Capitol One Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX sent XXXX process servers to my home at XXXX who would not leave, they were writing license plate numbers down and sat in front of my home for 2 hours trying to intimidate me & my Family, ( We live on a small Cul De Sac ) I had to call the Police, when they saw the police they tried to speed away but the police stopped them and made them leave, We did n't hear from the Attorney after that and Capitol One approved me for XXXX VISAs that I currently have, paid on time. My husband and I recently applied for a mortgage, and were told on XXXX XXXX, XXXX Capitol One put this old XXXX Charged off acct on my Credit Report as New. I have no Public Records and have worked hard to get my Credit where it should be. When I called Capitol One, and was told that it would be removed but then told she could n't but then was transferred to another representative who said it was a charge off to contact the attorney, when I asked Why it was showing on my Capitol One Alert that it was Capitol One that added it to my Credit Report she did n't have an answer. Today, XXXX XXXX, XXXX I found out that XXXX & XXXX still representing Capitol One has garnished my wages for this old Charged Off XXXX. I have Never been notified about this garnishment as per Colorado Law, and want this garnishment to STOP IMMEDIATELY!!!! Not only has this attorney Violated the Fair Debt Collection Practices Act by sending the Process servers after XXXX, adding an old debt after the statute of limitations is also illegal. This Attorney has been sued in the past for Violations of the FDCPA. I was advised by the Colorado Attorney Generals Office to file a Complaint with you for this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have repeated asked them not to call me at work. I fell behind on my bills when I lost my job and just started a new job and they keep calling my boss and asking for me after she told them every since time that I can not have calls at work. I do n't want to lose my job then I really cant pay them anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have been with Capital One since XXXX of 2016 and i have had to go thru the XXXX just for them to increase my credit limit this month and they still have not reported to any of the credit bureaus like they are supposed to be doing an that is a breach of there terms and Agreements because they lied and i want them to report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card
Issue: Billing statement

Complaint:
# 1 ... Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$320.00} { XXXX-ISSUES } ... ... ( # 2 ... 30 days past due as of XX/XX/XXXX ) ... .on my Capital One Credit Card. 

# 1. Concerning the above statement : I lived in XXXX, ( where the MAIL Service is NOT SO GOOD ... often NOT AT ALL )! Did ''NOT '' or never did get ANY STATEMENT or NEW CR EDIT CARD, from Capital One, ( after XXXX , sold my Account to Capital One Credit Cards ). I lived in XXXX., from, XX/XX/XXXX, until XX/XX/XXXX. I DID NOT GET ANY STATEMENTS FROM ''CAPITAL ONE ''. DESPITE ''NOT '' receiving any Statement, ( THUS NOT KNOWING WHAT I OWED OR EVEN THE PAYMENTS OWED ), I CONTINUED TO MAKE EVERY EFFORT, TO PAY, EACH MONTH, MY MONTHLY PAYMENTS. ( Paid at least {$15.00}, to $ XXXX-Dollars per Month, during the period from XX/XX/XXXX, until XX/XX/XXXX. 
I was Hospitalized XX/XX/XXXX ... ... ( had a Hospital Bill of almost $ 4,000-Thousnad Dollars ). This is the reason I was LATE with the XX/XX/XXXX PAYMENT for my Capital One Credit Card. Because I was in the Hospital, ( XXXX ). Stayed in the Hospital for 6-Days, at XXXX XXXX, XXXX, XXXX. 
Due to my Hospital stay, ( actually I had forgotten about making my Capital One Credit Card payment ). I thought I had already scheduled this to go out. I was wrong! But once I realized this ... ... XX/XX/XXXX, I MADE NOT ONE BUT 2-PAYMENTS FOR XX/XX/XXXX. 
Despite this ... ... THE COMPANY ( CAPITAL ONE ), PUT ON MY CREDIT REPORT, THAT I HAD BEEN LATE ... .. ( which was TRUE ). But there was a REASON ... .. ( ''NOT '' an Excuse )! 
I called CAPITAL ONE, asking them to REMOVE my LATE PAYMENT ... ( as this was the only time I had EVER BEEN LATE, with ANY PAYMENTS, to them. 
***CAPITAL ONE, told me that they were going to HAVE THIS REMOVED*** ( THE LATE PAYMENT, XX/XX/XXXX ... ... TO DATE THIS HAS ''NOT '' BEEN DONE AS OF YET? 
Hopefully, Capital One, with get this request accomplished. As all XXXX-Credit Agencies are reporting my Capital One Credit Card ( as being late over 30-Days, in XX/XX/XXXX ). 

# XXXX ... .Please REQUEST that CAPITAL ONE, & ALL XXXX AGENCIES .... ( TAKE OFF MY LATE PAYMENT OF XXXX, XX/XX/XXXX ). Due to my Hospitalization, at XXXX XXXX, in XXXX, XXXX, ( for 6-Day 's XX/XX/XXXX ), PLUS ''NOT '' RECEIVINGANY STATEMENTS whatsoever, when I lived in XX/XX/XXXX , from XX/XX/XXXX, until my return in XX/XX/XXXX. 
Thank you for your help concerning me trying to get my Credit in order. 
Respectfully, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I ordered a Supplement thru a company called XXXX that was offering a vitamin for {$5.00} trial time. I ordered the supplement using my Capital One Card. The next month I saw a charge for XXXX on my card and hit the roof. I called Capital One and told them I did not authorize this charge. They cancelled the card and sent me another one, with a new account number. Next month I saw another charge for the same amount. I hit the roof and called and capital One again complaining. I asked how they received my new card number and charged my account without my authorization. Capital one told me " XXXX Has An Agreement With MasterCard to Allow Them To Do This '' I told them I wanted the account suspended and no more charges to be authorized on it. I was hung up and then placed on hold for 2 1/2 hours for asking to speak with a manager. After, getting even more angry. They have added another charge for the same thing this month of over XXXX. It was called a chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
XXXX XXXX XXXXXXXX XXXXCapital One XXXXFor more than XXXX years I have tried to verify the above mentioned accounts via certified letters and phone correspondence. 

According to my records, each account has been reported separately, and simultaneously, to the credit bureaus under both creditor names : Capital One and XXXX XXXX. 


My efforts to verify these accounts are complicated by the following facts : Capital One and XXXX appear to report these alleged debts using different account numbers. 
Alleged amounts owed on these accounts, have been in close proximation, but never exact. 
XXXX does not respond to my requests. It appears Capital One responds to inquiries for both companies. 
Capital One uses the last XXXX digits of the alleged account number in correspondence, yet credit reports reflect what appear to be beginning numbers. 
Despite the fact that I sent a copy of my SS card and driver 's license with my inquires to Capital One, their company responded with asking me to verify my own information. 
Despite the fact I stated I had no knowledge or records of the accounts in my request for verification letters, and that I suspected fraud, Capital One responded asking me to provide them with the account numbers. 
XXXX ( Case # XXXX ), ( XXXX - Case # XXXX ) and XXXX ( File # XXXX ) claim to have verified these accounts - but have never provided me with proof. 
I have never been sent collection letters from XXXX or Capital One. 

I highly suspect the above mentioned accounts, are accounts Capital One previously removed from my credit reports, and are now reporting the same again. 

It does appear the XXXX XXXX XXXX accounts did not belong to me. I filed a Chapter XXXX 100 % creditor payout in XXXX of 2012. Through this process, a hearing was held on multiple creditor claims. This hearing assisted with confirming numerous accounts were fraudulent or unverifiable. Without ordering an expensive transcript of the hearing, I can not share if these accounts were fraudulent or unverifiable. 

It should be noted, Capital One nor XXXX attempted to place a claim during the bankruptcy process. Please find attached a claim summary prepared by the Chapter XXXX trustee. 

Only XXXX response letter, from Capital One, claims XXXX XXXX XXXX was sold to another company, XXXX XXXX XXXX . 

Yet it was XXXX XXXX who placed, and was denied a claim, during the bankruptcy process for this account. 

Regardless, all XXXX accounts remain on my credit report, and I remain confident they do not belong to me. 

Please seek proper documentation on each account under FCRA and FDCP rules for collection and reporting. 

Please seek immediate removal of each account if the creditors can not provide said verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a short sale package along with an offer to Capital One Bank on XXXX XXXX, 2016. A review to participate in a short sale was completed on XXXX XXXX, 2016. As of that date, the file is in the process of being assigned to a negotiator and nothing has happened in reference to an actual review of the offer. It has been 15 business days of inactivity and we can lose the prospective buyer because of their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I never signed up for overdraft protection for my Capital One 360 checking account. Capital One credit card initiated a payment on XXXX XXXX that I had scheduled for XXXX XXXX. I called the credit card division and tried to get them to stop payment, as all financial institutions in 2016 do they claimed they could n't stop this purely electronic transaction even though the banks were n't open yet and no transaction could have occurred and it was going to a bank they owned. 

I knew I did n't have overdraft protection with my Capital One 360 so it should just decline the transaction since there would be insufficient funds. But I do n't trust banks and wanted to double check. It was true that I was n't enrolled in your standard overdraft protection, but to my surprise I was enrolled in something called an 'overdraft line of credit ' with an 11.50 % interest rate. I never signed up for this nor was ever even given any information about it or any notice that this was an active part of my account. Fortunately I was able to turn that off before the banks opened today but I have a feeling this violates the requirement for the bank to get me to authorize overdraft protection. Either that or the bank is having fun with the language of the consumer protection laws and sees this as a way to auto-enroll members into overdraft protection by calling it something else, and likely making more money off of the 11.50 % interest than they ever would have through traditional overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have XXXX credit cards from Capial one bank. I requested to upgrade one of them from XXXX to XXXX. I revived XXXX cards. I contacted them and requested to keep the current card they said ok and everything good I can use my current card. When I login to my account I see the XXXX cards are XXXX. So I called back and they told me I have to activate the XXXX card and they ca n't give me the same offer again or make any change before 6 month. 
I refused the changes and they told me they are going to fix it. More than month passed since that happened and no changes happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Payoff process

Complaint:
I have a Kohls credit card. the balance on it has been XXXX for over a month. i have called them and according to Kohls it has been reported already. 
My credit is still showing as I owe them and this is affecting my credit, my ability to get a lower apr for the car loan. I would like this resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XXXX XXXX XXXX -I believe that the above debt collection company purchased my debt from a Capital One credit card - my issue with them is that they called a phone number that had no association to the account and that I had never listed on any documents affiliated to this account. The phone number belonged to my XXXX year old parents - how they found it? I have no idea. What are my rights? What are their rights? I do not want them to ever call my parents again, and I would like for them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a long time Bank of America customer, starting off with this company with a XXXX checking account many years ago, and am saddened to say how disappointed I am in the practices at this institution. I spoke with Bank of America on XX/XX/XXXX in regards to transactions made on my account between the dates of XX/XX/XXXX-XX/XX/XXXX. In the course of XXXX days my account incurred XXXX fees of {$35.00} each, totaling to a whopping {$210.00} worth of bank fees. I was told these fees were incurred due to XXXX separate transactions that were attempted to be paid through my account. Not only am I a victim of these excessive bank overdraft fees, they are also unwarranted. There has been occurrences in the past where I was told that the BOA mobile app does not accurately show your available balance and that you must go to the desktop version of the site in order to view your actual balance. The misrepresentation of account balances is another way to push customers into overdraft, allowing the banks to collect multiple overdraft fees. 
After speaking with the bank rep, I was told that I may opt in to overdraft protection, in which if a transaction can not be paid, it will simply be declined by the bank. I am extremely upset that this is the first time I have been notified and given this " option ''. With that being said, since I am not currently enrolled in overdraft protection, any attempted transactions are to be paid by the bank. The issue here is that not only were the transactions between the dates stated above returned ( NOT paid/declined by bank ) but a {$35.00} return item fee has been charged to my account XXXX times ( XXXX in XXXX XXXX hr prd ). This is insanely ridiculous. I do not wish to end my longtime relationship, however I am a hardworking XXXX year old, that simply can not afford to throw money away on bank fees. If this issue can not be resolved, I will research alternative banking options.

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