vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ballybunion Enterprises, Inc
State: AZ

Complaint narrative:
I have a judgement with this company and I am trying to pay it off, but for the last 3 months I have tried to get the pay-off amout with no results. I have contacted the XXXX time, XXXX in XXXX XXXX in XXXX another time in XXXX. The XXXX time I was told she needed to check with the lawyer and get the total. The next XXXX times I told them what was going on and was told they would research the account and get back with me. I gave them my current phone number each time and heard nothing. I feel they are just running up the intrest and are waiting to do garnishment. I have had the means to make mayments and start with a good down. My credit councler said I should ask to have this deleted due to lack off response. Any help you could give would be great. Thank you. Here is infoFREEDOM XXXX XXXX XXXX XXXX - - -Type of Loan : SECURED LOANB / XXXX, XXXX : AMOUNT IN HIGH CREDIT ORIGINAL CHARGE-OFF AMOUNT ; CHARGED OFF ACCOUNT ; ACCOUNT CHARGED TO PROFIT AND LOSS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had my transfer account to my sons account blocked and cant unblock it. After 7 months the Capital one Bank blocked me from moving money from my account to my sons ( unknown to me ) I had to be on his account. I attempted to make a transfer after I got on his account and still cant do it. I understand the way this works, So I call capital one bank to rectify this issue. I called two times today and no one seems to know what is going on. I called two times and waited once 11 minutes and the other time 8 minutes .. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
My Visa credit account with Capital One was closed in XXXX 2016 with a balance of {$9700.00} - with a minimum payment of {$98.00} due on XXXX XXXX, 2016. Because my account was closed, Capital One did n't send me any documents and I could n't pay online so I kept calling and finally I was able to get the help necessary to make this payment on XXXX XXXX, 2016. However, Capital One started a weird mechanism of calculating charges to my account - although I did n't have any purchases or cash advances since the closing of my account in XXXX. Between the end of XXXX and the first week of XXXX, they have charged me close to {$1400.00} - which they themselves acknowledge is neither interest nor purchases, as interest started accruing to my account only in XXXX - according to Capital One 's documented, recorded admission which I have as audio file. The total amount of interest charged to my account was only {$300.00}. Although I made the minimum payments required since XXXX XXXX, 2016 - {$98.00}, {$160.00}, and {$130.00} for the months of XXXX, XXXX and XXXX. But Capital One has sent a statement saying that I owe {$650.00} for the month of XXXX and they 've increased my principle from {$9700.00} in XXXX to {$9900.00} in XXXX - without any purchases during this entire period and with my total interest being charged only {$300.00}, how and where this {$1400.00} is going, The interest charged, and the amount that I 've already paid over these three months, and the {$650.00} Capital One wants me to pay, there is {$1300.00} which disappeared into thin air. This kind of criminal and fraudulent calculation of account charges, where they can not explain where the money went is not only exploitative but sucking the blood from American families - illegally and fraudulently - to keep greedy " companies '' like Capital One in luxury. Please investigate this company and start a class action suit as there are bound to be thousands of others customers like myself who are bound to have been cheated and illegally charged money which Capital One can not explain went to. At the rate Capital One is charging me, whatever it is because according to their own admission the interest has been only {$300.00}, there have been no purchases during this entire period. In a year, this money which is neither interest nor purchases or going toward principle, would be {$6800.00} in a year for a balance of {$9700.00}. This is criminal in its most utmost cruel form. If you can not shut down this company, regulate them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Capital One refuses to open credit card dispute/chargeback over the phone even though their web site advertises that you can open a dispute over the phone. http : XXXXI called them twice and they refused to open the disputes both times and tried to forward me over to the merchant instead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One continues to Report a balance owed on my account in my credit report, after this account was sent to collection/charge off in XXXX. They continue to raise my amount owed on my credit report although in collections, this continues to lower my score and shows my credit utilization is at 206.40 %. 

I have spoke with collection agency to settle debt as well as Capital One who have threatened to continue to report increasing balance if I do not pay in full. This account was to be taken over in XXXX of XXXX through a divorce decree and is not my liability at this time and is my ex-husband 's however to settle the debt so I can re-establish my own credit, I was willing to pay a settlement of which I could afford. 

However, they continue to report after sent to collections of an increasing balance. Captial One will not work with me or the collection agency to correct this debt and have removed as a liability from my credit report. As well as help settle this debt. 

How can no one work with me to accept what I can offer to pay or I can wait for the statute of limitations in XXXX and have it removed then?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 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: CA

Complaint narrative:
I purchased a home in XXXX 2015. I needed to get homeowners insurance, so my Father went to XXXX and met with an agent named XXXX XXXX to get a quote on my behalf. My Father gave me the quote but my mortgage company was able to find me a better option that I decided to go with. A few weeks later I received a statement from XXXX. I emailed the agent and told her that my Father went to see her for a quote and that was it. I had never met her, spoken with her, or signed anything to get insurance from XXXX. I thought I had made this clear until just recently, when a collections agency reached out to me. I 'm appalled that this can happen and potentially hurt my credit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have a delinquent account with Capital One Bank ending in : XXXX with an outstanding balance of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I, XXXX XXXX, had Capital One credit card for few years. I had some balance transfer to capital one from other credit card companies and was paying the payments til I found out there are some extra and unknown charges in my account. It was about 2012 that I contacted Capital one to clarify the charges, they just promised to send me detailed information like any signed receipt/slips, but since then they never did except keep sending me all statements from beginning. The Capital One said they can not provide any transaction receipt to me. I was paying monthly fee and expected to receive any response about my inquiry but no response since then. I stop paying my payments and sent them letters and letters and inquired at least a copy of singed receipt by me but the Capital One ignored and said they believe all charges are correct. The Capital One sent my case to XXXX XXXX XXXX, XXXX office and they filed case at court and got the judgment against me while they promised me to provide clear information about the charges and I was paying the minimum payment to XXXX XXXX XXXX XXXX as they demanded. I have asked the Capital One and XXXX XXXX XXXX, XXXX many times and disputed the charges but they Just send me letter that they verified the charges and found out all are correct. If they verify the charges and believe all charges are correct then why they can not send me any proof that charges were done by me. They asked me to provide them any documents that confirms otherwise. I am wonder how can I provide them documents that the charges are not mine.They have to send me proof of charges that have taken place by me. Although, I accept some charges are mine but not all. They do n't want to verify my charges with me and neither are working with me to solve the problem. They asked me to send the a statement for all charges that I confirm, which I did. But instead of checking my charges, The Capital One keep sending me pages and pages of statements without any receipts that was signed by me. I as an social security income receiver can not afford to hire an attorney so I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have a of Capital One 's Sparks Business Card that I took out in XX/XX/XXXX after I began my financial practice. My business closed shortly have the XX/XX/XXXX crash but I chose not to claim bankruptcy, but instead try to manage the huge debt that I accumulated. I have been nursing a {$14000.00} balance on the card and up until just recently have used the card regularly. On XXXX XXXX, XXXX, I contacted Capital One 's call center due to a cash flow difficulty because my next pay period was falling on the XX/XX/XXXX and my payment date was the XX/XX/XXXX. The representative was very nice but he omitted some very important information concerning what would happen if I missed my payment date. I asked him to move my payment cycle to the XX/XX/XXXX to help make the current payment on time as well as future payments. He informed me that he can move the date but it would take a whole payment cycle. I explained that I could n't make my payment until the XX/XX/XXXX to which he answered, that I just needed to call back and they would reverse the late charge. 

On the XX/XX/XXXX, I logged into my account to make the payment as I promised and noticed that Capital One had now doubled my interest rate, which cause me to also go over my credit limit and generated another {$39.00} fee in addition to the {$39.00} late fee. I called back the next day ( Saturday ) and ask for a supervisor. Although she agreed to credit the account for the charges and the extra interest on that bill, she said I had to continue to pay the 29.4 % interest rate for twelve months before they would consider lowering it. It was formerly at 15.9 %, already very high for a period of historically low rates. I was having trouble making the minimum payments of $ XXXX/month and now I 'm expected to make $ XXXX/month payments? I calculated that to be an extra {$1900.00} on a {$14000.00} balance over the next XXXX months for being XXXX days late. I told her that I needed to speak to someone who had the authority to make a decision to change my interest rate back to where it was. At first she would only offer me the general correspondence address, but then when I press her she said that she would have someone call ; but no one every did call. 

Finally, I call back on XXXX XXXX and immediately asked for a supervisor. I spoke with XXXX who really did n't care to do anything for me except offer me the same address as before. By this time, I was pretty heated so I told him to close the account and send it to collections because I can not pay it as is. I do n't know about the latter, but he did close the account and this is where I am with it today. Can you please help me? I did send a letter on XXXX XXXX, to the address they gave me, but after reading some of the complaints online, I doubt if I will get a response. Your assistance will be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I 've had a problem with Capital One Bank for months now. My account information was stolen and there were several out of state purchases made with both mine and my husband 's debit cards. Capital One refused to investigate and return us the money although they do advertise a risk free debit card. They basically blamed us for everything and did nothing even after we proved that we were not at the place where the charges were made. Their customer service is the worse and we are beginning to suspect it might have been their own employees stealing our account information. We have worked with other banks and are currently using a different one but never encountered this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife, XXXX XXXX owns an IRA account at Capital one 360 which is an internetbank, formerly Named ING Direct. As a result of illness she has become XXXX andI have obtained her Durable power of attorney. As she has not taken her requireddispersment of funds for 2015 as required by the IRS, I contacted Capital one 360and attempted to do so. I was instructed to submit her Power of attorney by fax andI did so on XXXX/XXXX/2015 Sending it to their operations department as instructed. They Informed me that I should call back in five days for the power of attorney to be processed. 
When I called on XXXX 2015. I could not get any Information from them. Not even thatthe power of attorney had been received. I talked to an agent and later to his supervisor. 
the only thing I could get from them was that they wanted me to send them a notarizedform stating that I would not pursue any form of redress against them. Which makes methink that they are acting illegally. 
My wife 's customer number is XXXX. Her IRA account number is XXXX. Heraccount balance is in excess of {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 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: CO

Complaint narrative:
XXXX XXXX XXXX , XXXX. intentionally sent a copy of a Writ of Garnishment to a third party, addressed vaguely so that it would be opened and read by someone other than myself. 

I am also certain it was sent to this address as a delaying tactic so that I would receive my mail late and be unable to respond in time to legal actions. 

On XX/XX/2013, I sent XXXX XXXX XXXX , XXXX. a certified letter that included, among other things, very specific directions about how to contact me as I have a PO Box ( I live in a rural area ). The tracking number for the certified letter is XXXX. 

( This letter also indicated that they were not to contact me by phone, which they have continued to do. ) I also included information about my mailing address in court filings. ( The court has had no trouble sending documents to the proper address. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
i acquired the debt in a divorce and filed bankruptcy chapter XXXX.the debt is from 2009 and in the state of Louisiana statue of limitations is 3 years which makes this a time-barred debt.XXXX did n't send in a claim to the u.s. bankruptcy courts and has filed a suite against my ex.i have read up on certain laws and found that they have violated the fdcpa by attempting to sue for a time-barred debt as well as not complying to the Louisiana statue of limitations and have put them selves in contempt of court as pursuant to the u.s. bankruptcy automatic stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I started a loan application with Capital One on XXXX16. 
Turned in all required and requested paperwork within the first 5 days. 
Capital One has assigned me a closing date of XXXX16, then canceled with no prior notice to all/any party involved. Capital One assigned another closing date for XXXX16, then canceled with no prior notice to all/any party involved. 
I 'm going to lose this opportunity to purchase this property due to Capital One neglect. 
The seller has been very patient, now I 'm out of time to try and seek a mortgage from another source. I have paid monies to Capital One. 
I need and deserve a response from Capital One, I need them to follow through with my loan before I lose this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto Finance repossessed and subsequently sold my car while it was under my husband 's Chapter XXXX Bankruptcy. When I inquired to Capital One about regaining possession and rectifying the account I was told to call back when the bankruptcy was over. I called back. They had already sold car. My credit report showed a repossession and recovery amount owed. I was not given a chance by Capital One to regain possession of the car or take over payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is regarding the XXXX transaction that took place on XXXX XXXX, 2015. It was my knowledge that Capital One had a 20 % ride credit for all XXXX rides but Capital one failed to send me an email for setting up a Promotion code to have the XXXX XXXX ride for free. Searching through my inbox, I have no record of such an email in my inbox and Capital one is using false advertising to claim this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not authorize any car dealership to do a hard pull from Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Someone stole my identity and use my name for a credit card and its showing on credit report and bringing my score down and i m getting harrassed by these company.I would like to get it remove off.account # XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This debt was originally from Capital One credit card. I disputed charges with them on multiple occasions and my issues went unresolved. The debt was disputed with the credit bureaus. Removed and then on XXXX/XXXX/16 the debt was added back to my credit report but through XXXX XXXX. XXXX has now illegally re-aged the debt to appear current even though the debt is old and from capital one charges, that they still have yet to resolve. In addition, capital one did not provide any information that the debt was being sold and/ or any update to the investigation regarding charges before putting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have inquiries on my credit report that are a hard hit, that I have not requested or authorized. The hard hit is affecting my credit negatively. I have requested for the company to remove them, and was told that there was nothing that could be done on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VI

Complaint narrative:
After several years of unemployment and being delinquent on my Capitol One Credit card we agreed to settlement terms. I complied with my terms sending a check for XXXX dollars which they cashed. They reneged on their terms. After several unsuccessful attempts to reconciled, request my release and they refusing without receiving additional dollars I terminated all communication. They sold the disputed funds to a collection agency as an uncollected bad debt. After all these years my credit has been ruined and they still have debt collectors after me. the Lastest is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called Capital One on XXXX/XXXX/XXXX to try to resolve an old charged off account for {$900.00} payment today. The account has a balance of {$1700.00} and I spoke with a representative that says that the account is uncollectable and that they can not accept any payment because I had been issued a XXXX for this debt in XXXX. I would like to resolve this account for a paid in full {$0.00} balance to be reported to the credit bureaus. I have the ability to pay, but Capital One says that this debt is now uncollectable and forgiven. Please help.

Company response to consumer: Closed with explanation