vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened account with capital one around XXXX 2011, I do not remember well when. They issued me a credit card, once I tried to used I could n't. I called Capital One asking what happened and they told me that the issued card was a mistake they made, that they should it never give me a card because of my credit report. So my card was canceled or suspend it, without giving me the opportunity to use the card. 
Today they are reporting a charge off account for the amount of {$330.00} dollars in my credit report. Knowing the company it was their mistake, no mine. I said I own {$330.00} dollars of what, on fees. Why? I feel rip-off. 
I never knew I had that account in my credit report. I am very upset that they have included that wrong information on my credit file and its causing me a lot of stress and because of them I getting denied in everything. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-07 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: Jim Bottin Enterprises, Inc
State: VA

Complaint narrative:
I moved and no longer used their club at XXXX and I have not attended for over 2 years. I had been a member for years. I no longer had a contract with them. The parent financial company ABC financial services stated I do not have a dent with them. The health club says I owe them {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, I XXXX had reported fraud to all XXXX Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. My identity was stolen. This has been ongoing for XXXX years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in didn't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I
 
 had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. I fought it and explained to capital one, yet the company sued me and has a judgment gaianst me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I phoned Capital One on XXXX XXXX, 2015 to request a PIN number for my credit card. The agent helping me accessed and changed my personal information related to my account without my knowledge. This is a clear violation of the terms of service that Capital One has perscibed in our contract. I called Capital One and they offered no assurances that my personal information could be safeguarded from that employee, only that I would be alerted by email if changes were made. They offered no resolution and said that they would look into the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This credit card company has been notified and knows there is a billing dispute. They have not done anything to correct the issue and they continue to violate the credit card rules and regulations. The balance and charges they currently show do not belong to me and not we 'd to be removed. They are reporting incorrect and negative information on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Byrider Franchising, LLC
State: VA

Complaint narrative:
I am currently 12 days past due on my car payment. The day my car payment was due I called from a co-worker 's phone to advise my finance company of the exact date I would be able to pay. ( exactly 13 days from my due date ) I clearly informed my finance company that I was contacting them to keep them informed and I had no previous due balances. I informed them that I was letting them know so that no collection attempts were made. They are repeatedly calling my coworker, friends, and family to try to collect my car payment, and the day that I promised to pay has n't lapsed. Yesterday they called my coworker back to back 5 times in a row until she answered the phone and informed them to not contact her again otherwise she will press charges for harassment. They are embarrassing me to all of my friends and family and I 'm currently only 12 days late on my payment. This has also happened in the past when I needed to pay late. I 've never paid my bill later than 14 days past due. This is clearly harassment. They will text if no one answers the phone even after I 've requested to never be communicated via text. They are claiming to my friends and family that I have not communicated to them when I 'm going to pay, and they are stating that they are just trying to help me, however there is no help that they could give. I have asked to be switched to a monthly payment instead of a payment every 2 weeks, which would be helpful, however they are unwilling to do so. I am still planning on making my payment as promised however they will not cease with the embarrassing phone calls to my friends and family. I have requested that they never call my friends and family again in the past due to their embarrassing and harassing behavior and they continue to do so if I 'm ever late for a payment. I would understand the calling if I were months and months behind however they do this starting 3 days after payment is due whether I contact them or not. This can not be legal!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I leased a car from Capital One 2 years ago, I had a co-signer who filed bankruptcy. I did not file bankruptcy and I am first on the loan. The loan was placed into bankruptcy for a while and I reported to the credit bureau as closed and paid in full. I was not notified of this and my credit score declined. I file a dispute with the credit bureaus and now it reads that the loan is charged off- bankrupt on my credit. I never filed bankruptcy. I am disputing that rating. I never stopped paying Capital One, I have paid them every month on time and continue to pay today. I want my credit to reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Skagit Bonded Collectors, LLC
State: TX

Complaint narrative:
They are reporting this debt to the credit bureaus, yet the paperwork they provided ( attached ) clearly shows this is over 7 years old. This is a false representation to the credit bureaus. The statute of limitations has expired. It can not be legally reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am a victim of Identity theft and someone stole my personal information and identity to open a Capital One Bank credit card ending in: XXXX. I never applied for a Capital One Bank credit card. The account that was opened with my stolen identity is unauthorized, fraudulent and do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: CA

Complaint narrative:
This inquiry does not belong to me and I do not have any services with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
This collection agency XXXX sent my fiance ' the letter advising of her debt to XXXX XXXX XXXX XXXX, upon which she has disputed. We faxed her dispute letter directly to this agency on XX/XX/2015 requesting to validate the debt. We received another statement on XX/XX/2015 threatening credit reporting actions against her if she did not pay in full and did not send validation of the debt. This violates the right to dispute and is also considered overshadowing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
This person called my father on several occasions ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) and left him messages about me. I did not give his number to this person. I have not received any phone calls to my phone at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One has been bouncing me around between payment plans. I have been offered so many that when I think I have agreed to one they change it and I end up on something I can not pay and did not agree to. When I call capital one they swear I only been offered XXXX plans. Which is not true. They deny all phone conversations I 've had about this. They only reference chat. One they applied to the wrong account and I was blamed for it. 

See attached information for the XXXX different options I was given in less than 20 minutes apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am looking at my credit score and i am seeing a few things wrong with this information. XXXX i have a name on there that is not mine. The spelling is different which leads me to believe that someone is stealing my identity. Second there are credit cards on there that do not belong to me. I have never owned a credit card. I would like this information reviewed. The credit card i noticed right off hand was kohls credit card. I have never shopped at this store. Please let me know how this can be handled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Capital Benefit, Inc.
State: CA

Complaint narrative:
Complaint : XXXX XXXX, client/consumer/XXXX # XXXX XXXX : Loan Consultant : XXXX XXXX XXXX XXXX, XXXX # XXXX : # XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA. XXXX XXXX ( cell ), XXXXXXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Capital Benefit, Inc. : Lender : Loan # XXXX, escrow # XXXX XXXX : Loan rep. 
XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA. XXXX : XXXXXXXXXXXX : XXXXXXXXXXXX XXXX : On XX/XX/XXXX I spoke to XXXX XXXX and after XXXX returns for XXXX : gross income : {$170000.00} and tax returns XXXX loan docs, including bank statements were given and a pre-approvalletter was given to be. 
B : Good Faith was XXXX arm with 30 year fixed at 4.25 % -- -- 5.25 % I spent the next 45 days looking at over XXXX homes and spentover XXXX hours looking and found a property to XXXX : I found a house and went into escrow with escrow XXXX in XXXX, CAEscrow # XXXX, all in good faithd : I agreed to the terms and conditions of putting 30 % down and carrying a notefor {$130000.00} and agreed from the beginning to be an owner occupied investmentproperty for me. This was all disclosed to XXXX XXXX from the beginningof obtaining the loanItem XXXX : All loan docs were given to escrow and we were to fund on XXXX record on XXXX : XXXX XXXX emails me that I can not have a loan now as owneroccupied and we are now going to use a Hard money loan. 
Instead of 4.25 % -- -- to 5.25 % for the loan, now the interest rate is 9.5 % Why and is this using bait and switch tactics? 

Item 3Then when I received the loan docs from Capital Benefit , Inc . 
XXXX the loan officer changed the terms and conditions of the loandocs : Now the loan docs were at 10.5 % with over {$4000.00} more infees from Capital Benefit to fund the house. 
A : Is this using bait and switch tactics against me as a licensed realtorin XXXX, that was disclosed to XXXX and XXXX from the beginningB : I have all emails from XXXX XXXX from the beginning of theprocess for the loan and all statements from him. 
C : Capital Benefit changed the terms and conditions at the last secondand now it was a non-owner occupied property and I did notsign the loan docs as this was not true. 
The escrow was cancelled. 
Item XXXX. I want my {$270.00} back for the home inspection I did operating in goodfaith on this loan. 
2. I want {$450.00} back as this is the amount I paid for the home appraisalthat did appraise at {$190000.00} to buy the home3. My time is worth {$200.00} an hour as a realtor and I spentover 40 hours of my time to find the property and buy it, I want {$8000.00} back to me. 
4. The commission I was to receive for the deal was $ XXXX I deserve this back as well

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted Capital One on XXXX/XXXX/16 to settle my account which was past due. I informed them that I could pay my balance if they could remove some past due fees in order to keep the account current and active. I mentioned that I had problems paying because I was recently laid off. They agreed and I paid my full balance. 

However, they did n't inform me that my account was already closed and that there was no way to re-open it. Had I known this, I 'd have agreed to a payment plan instead. I relied on my Capital One account to be active and in good standing since I was still recovering financially. Now, I have a closed account that only reflects my past due balance on my credit report. Plus, they refuse to open a new account with me even if I agreed to another security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One reported my auto loan payments late several consecutive times. I have several credit cards with Capital One and all paid on time. Never late. I closed them because I noticed a pattern of discrimination. The higher my credit score went the more interest I paid. With my car loan, in XXXX, I was overpaying Capital One and caught them lying about what I owed. They repaired the issue. In the fall of XXXX they started overcharging me again, so I demanded they show proof. While I waited, they never disclosed their malfeasant actions toward me, they continued to mark me late. I researched all my credit reports and noticed they are all over the place, so I contacted all the XXXX and they informed me, they report only report what Capital One tells them, so why are the payments in different years and months??? Both Capital One and the Credit Bureaus, specifically XXXX stated it is ok and legal for them to be different because it happens all the time. I vehemently disagree for the following reason. 
Credit scores permeate our entire lives, and the Credit Bureaus must be accurate because credit scores impact our QUALITY OF LIFE and PROSPERITY. 
XXXXXXXX We need a good credit score to buy a home 2. A good score is needed to buy a car 3. Health Insurance premiums hinge on our credit score, not logical - it is criminal 4. Car Insurance uses our credit to offer us car insurance - it does not hinge on your driving record anymore, it depends on your credit score which is criminal. 
5. To rent an apartment - your credit score is used. 
6. Physicians are asking for credit report to obtain medical care - their reason - Dentist say, if you need major dental work, we must ensure your good for it. 
Credit Scores permeate our lives, so for Capital One, XXXX, XXXX and XXXX to have such a casual attitude is dangerous. Our Federal Government must insert FINES and new REGULATIONS for Companies and Credit Reporting Agencies to ensure they are taking consumers credit reporting seriously. 
Please ask Capital One to remove the XXXX and XXXX of XXXX late payments off my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One has refused to protect my credit card ( MasterCard ) from fraud. An online company charged my credit card more than a dozen times, more than {$2000.00}, without my authorization and after I had expressly forbade them to do so in an email. This continued for three months, XXXX through XXXX, 2015. First I demanded that they close my account, and they said they would, but charges continued to come on my credit card account, so obviously they kept my account open against my wishes. I demanded they close the account three times by telephone, and they blocked my account online so I could n't close it myself. I reported this to Capital One, and asked them to block payment to this company, but they refused to do that, which would have solved the problem the very first time a new charge came through. As an alternative, they offered to refund my account, and asked for documentation for my claim. I gave them written emails and pages from the online company 's website which proved that I had ordered them to cease charging me two months earlier, and I refuted with documentation every lie that this fraudulent online company countered with. But Capital One refused to protect my credit card from fraud. I had to cancel my credit card number to stop the online company finally, and now I have cancelled my Capital One account altogether. They do not care about their customers, and anyone who accepts a credit card from them will regret it. Capital One will not protect you against fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: New Century Financial Services, Inc.
State: NY

Complaint narrative:
I was garnished for a debt by new century and I do n't owe the debt wssnt provided the original debt info and cause embarrassment at my employment for.garnishment and not.knowing about this debt or court to dispute the debt ..I was garnished which cause extreme financial hardship and still ca n't find what this debt was for and I do not owe this 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 2016-10-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
there was no any suspicious activity on the account. All activity on the account were absolutely legal by CapitalOne 's credit card agreement. I demand CapitalOne provides concrete wording in their agreement where it states and proves that my account was in violation. In this case CapitalOne agreement was violated by the Bank itself and requires civil legal action that I will seek to bring on behalf of others affected. CapitalOne answer is broad and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
i have a credit card with capital one and when i called in i was told that my credit line went up to XXXX and it only went up to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I called XXXX XXXX XXXX XXXX, XXXX XXXX, Insurance representative, XXXX for an insurance quote. He said lets see if the cost of the policy goes down if you insure a vehicle with us and put auto insurance in the system. The insurance I was getting a quote for was my employer. The vehicle XXXX XXXX put in the system was already insured and belong to the business. I was not looking for auto insurance. XXXX did not go with this quote and forgot to cancle the make believe auto policy. I called him and his manager and asked them to stop sending policy payment request. They both said they would handle it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
You guys emailed me a secure link for me to up load proof of my dispute with XXXX XXXX. I now have proof of my leasing agreement. It looks like the link no long works. Please provide me a new link.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I, XXXX XXXX, residing at XXXX XXXX # XXXX, XXXX, New York XXXX hereby states on record with the Consumer Financial Protection Bureau that Capital One is currently reporting a charge off on an account that Capital One accepted a numbers of payments on as a negotiated settlement. However, since this account has been basically been satisfied through a third party, they are still in violation of the Fair Credit Reporting Act by maintaining a charge off balance. The account should show a XXXX balance with a rating as PAID SETTLED as stipulated through the negotiations agreement on all pertinent credit reporting agencies, XXXX, XXXX and XXXX XXXX respectively.

Company response to consumer: Closed with non-monetary relief