vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX collection agency reported an account from XXXX Bank on my credit. I never had an account with XXXX BANK. I sent for validation on the account the account, they sent some statement that is not mine. The dates on the account continue to change. I never had an account with XXXX BANK. THERE IS NO XXXX ACCOUNT ANYWHERE ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I received a summons to go to court. 
I had never received a letter for this until after i was served with the lawsuit. I couldnt even dispute this. 
I have lived in my home for almost 10 years. 
I went to court and told them that i was the only person working in my family and it was a part time that i had started a couple of days ago. I have XXXX minor children and my husband is a military veteran in the process of applying for XXXX. I told them i could pay {$10.00} until i get back on my feet and they said no that they would not accept that. 
I dont understand XXXX well and my husband was not with me in court. They tricked me and said the only thing i could do is agree to a consent to a judgment which i didnt even understand what that was until i searched it in the internet. 
They tricked me just because i was scared. Now my home will have a lien on it because they didnt tell me what a judgment was, they just made me sign my name and told me that was the only thing i could do. I do not agree with this judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had my identity stolen and a lot of my credit information at XXXX and XXXX still reflects information from the person who stole my identity ( including the verification questions, which makes it very difficult to answer the identifying questions online as they are reflective of the person that stole my identity, and not me. ) I would like the information removed and the verification questions made accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10 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: CA

Complaint narrative:
This collection agency is harassing me for a regular payment to XXXX which was paid BEFORE THE DUE DATE, and I have the cancelled check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX, XXXX I continued to pursue the collecting stolen funds {$80000.00} at Capitalone XXXX branch. In the mean time, I also lost my deposit {$9.00} at this branch. The branch manager XXXX XXXX was extremely hostile to me stating that all my accounts were closed by Capitalone bank, that I am not allowed to access the branch anymore. I have asked him to return my stolen funds especially the huge loss on XXXX XXXX, XXXX stolen by theft XXXX XXXX. He asked my to leave to contact corporate office. I have contact the customer service immediately and spoke with XXXX XXXX, he told me he filed a complaint against XXXX XXXX at XXXX branch to fire him. At this time, I file this complaint again via CFPB to ask my stolen funds to be back. See attached lawsuit. I have nothing to do with this theft bank anymore. DO NOT OWE ME. 
Acct : # XXXX Date of lost funds : XXXX XXXX, XXXX & XXXX XXXX, XXXX Amount : {$79000.00} Interest Charge : XXXX % based on the lost principle Late fee : {$100.00} per month total {$3600.00} Collection Cost : {$150.00} for 7 times branch visit Time to Spend to Collect : 14 hours at {$200.00} per hour Total {$2800.00} Pain & Suffering : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX I want to file a complaint do to the fact someone has opened a credit card in my name and used up XXXX dollars in a XXXX XXXX card, and none of the companies want to give me the information that I found on XXXX to check my score. And found a card that I did not open, that someone else has opened in a XXXX XXXX credit card I would like to press charges against that person .I also would like all the information about what, were, how, and who, was this person so I can make a police report. And they will not give me the proper information to do what I need to do .so this person will get caught .I would like to know why I can not get all my information on the card that was opened in my name .and why XXXX XXXX will not give me my own information .that someone else used, they told me not to worry about to let it go, Please call me if any???? XXXX XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In a 31 day or less Billing Cycle I make at least XXXX payment to my accounts with Capital One. Each time I make these XXXX payments this company takes almost 50 % of the payment amount toward the balance for APR each time, not only for purchases but cash advances. Making it almost impossible to every pay down your balances. I want to know the interest that is charge should be on each payment you make after initially making your minium monthly payments each month is a violation of my consumer rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Name is XXXX XXXX. This complaint involves many parties ( The Merchant, The issuing Bank and VISA XXXX XXXX, all of which I have filed individual complaints. The party in this complaint is Capital One Bank in what I feel is in violation Claims and Defenses Provision and the Fair Credit Billing act. I have also asked VISA XXXX to investigate Capital One BankThe merchandise purchased was a sofa, delivered during the holidays in late XX/XX/XXXX using VISA XXXX. It was decided that the quality of the sofa was questionable. It definitely is n't 100 % leather as claimed. XXXX before the merchandise was delivered and this was a bigger concern as the hardness of the furniture made XXXX very uncomfortable, exacerbating the XXXX condition. 

After the merchant ( XXXX, XXXX Florida ) failed to listen to my concerns about the quality of the furniture and how it also created an uncomfortable environment, I decided to exercise my dispute rights explaining to capital One the reasons. The Capital One Chargeback XXXX case create was # XXXX. 
During the dispute cycle, I uploading several documents to Capital One 's Transaction dispute center. It was also discovered there was hidden damage under the furniture which the merchant, XXXX XXXX XXXX XXXX in XXXX Florida XXXX failed to address. Pictures of the damage were uploaded to the Capital One Transaction Dispute center as well, but with no response from Capital One. 

In XX/XX/XXXX Capital One found favor with the Merchant and re-billed the charge back. I have paid off the Capital One Balance with the exception of the disputed balance in question. I have closed out the account with the disputed VISA ending in XXXX and have also closed out my other Capital One account. I have asked VISA to investigate Capital One as I do not feel Capital One Honored my dispute rights properly. As of today I do not feel this remaining disputed balance is a legitimate debt due to the quality of furniture and other mitigating circumstances. I do not feel this is a valid debt due to the poor quality and well documented circumstances provided to Capital One. I can be reached at XXXX XXXX XXXX or via email at : XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, CAPITAL ONE HAS PROVIDED ME WITH A RESPONSE TO A COMPLAINT THAT I FILED, I THEN RESPONDED TO THIER COMPLAINT, IT IS NOW XXXX XXXX, 2015 AND I HAVE NOT HEARD BACK FROM THEM IN REGARDS TO MY RESPONSE TO THEM. SO I WOULD LIKE FOR THIS TO BE PROVIDED TO THEM IN REGARDS TO THEM FAILING TO RESPOND BACK TO ME IN THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA LAWS. 

I HAVE PROVIDED CAPITAL ONE WITH ALL THE NECESSARY INFORMATION THAT THEY HAVE REQUESTED FROM ME SEVERAL TIMES, THE LAWS REQUIRES DATA FUNISHERS ( WHICH IS CAPITAL ONE ) TO HAVE BOTH XXXX % COMPLETE AND ACCURATE RECORDS AS YOU CAN SEE FROM THIER LETTER SENT TO ME, CAPITAL ONE MUST NOT HAVE ACCURATE RECORDS IN REGARDS TO THESE ALLEGED ACCOUNTS INFORMATION. AS A CONSUMER I HAVE THE LEGAL RIGHT TO REQUEST MY ACCOUNTS INFORMATION FROM CAPITAL ONE AT ANY TIME, AS LONG AS CAPITAL ONE IS CONTINUING TO PROVIDED INFORAMTION TO THE CREDIT REPORTING AGENCY 'S. 

AS CAPITAL ONE IS NO DOUBT AWARE WHAT THEY ARE DOING BY CONTINUEING TO REPORT DISPUTED INVALIDATED INFORMATION ON THESE ALLEGED ACCOUNTS IS A VIOLATION OF THE FCRA LAWS. 



I am writing in reference to the dispute the accounts referenced here in my letter ( CFPB # XXXX ; XXXX ). 
I have disputed these alleged accounts information as inaccurate with Capital One, and you have come back to me and stated you were able to VALIDATE these alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted Capital One myself and have been unable to get you to legally VALIDATE these accounts in their entirety. 
I enclose copies of my requests for you to VALIDATE these alleged debts in their entirety. These alleged debts are not mine and I was given any evidence of my obligation to pay these alleged debt to Capital One. 
The FCRA requires Capital One to VALIDATE the validity of the items within 30 days. If the VALIDATION can not be verified, Capital One is obligated by law to remove these items. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one continues to report an incorrect balance on my credit report. Account XXXX shows a balance of {$1600.00} dollars which is incorrect. Balance should be {$0.00} since account was sold to a collection agency. I have provided verification that account was sold in XX/XX/XXXX. I 've complained to the XXXX and CFPB several times and Capital one continues to ignore my complaints and offer no resolution. All I 'm asking is for the balance to be corrected. This is an old charge off from XX/XX/XXXX i do n't see why you wo n't update the correct balance to {$0.00}? If not corrected immediately I have no choice but to sue capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I contacted capital one auto finance becaus they reported not accurate items on my credit the lady even went as far as stating if I keep contacting them their is a chance that they will put more things on my credit. They claim I was 60 days late yet they put 30 days for XXXX. They will not forward over my ledgers to the credit bureaus. I even asked for it to be sent to me which they wo n't

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Auto Finance holds the title to our XXXX Subaru Forrester which has XXXX miles and needs $ XXXX costs of engine repair. We are trying to get a new car, but CapOne claims we owe close to {$5000.00}. We do not agree and have an on-line statement showing a XXXX XXXX balance. About 15-18 months ago we contacted XXXX XXXX at CapOne who became our customer advocate to stop credit and collection calls that we were getting XXXX times a dayXXXX days a week. His number XXXX, ext XXXX ... he has stopped returning our calls since he placed a " cease and desist '' order on our account. A CapOne rep recently told us their policy was that no one could communicate, send emails or statements, or have any contact unless we lifted the order or got an attorney. We are basically hostages because every credit report shows an open balance for over 500+ days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The interest rates are ridiculous. I contacted them today and the can not offer any reasonable rates. I can consolidate, but do n't want to damage my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
had late payment for capital one auto loan reported to credit bureau post la flood by capital one. my house flooded and was displaced. Per the federal disaster area, should not have been reported to credit bureau for time frame. asked to have it deleted, capital one would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have paid XXXX ins. 1 month in advance since XXXX. STARTING in minnesota. I never heard of these clowns trying to collect/steal money NEVER owed. Outrageous stupidity, petty greed here. I told them to cancel my policy XXXX XXXX. My car was repossed XXXX XXXX XXXX. These clowns at this collection agency do n't know what there doing or what there trying to collect!!!! I do n't owe XXXX a XXXX dime. They owe me my 1 month in advance and/or any arbitrary fees for cancellation refund goes to me. Instead these XXXX insult my intelligence send this to a collection agency for {$88.00} ( {$10.00} ) of that is a fraudulent fee charged.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I made two payments to Capital One and those payments were debited from someone else 's checking account. I called to ask when this account was added to my account. They could not tell me. This checking account did not belong to me. There has never been a record of my account being paid from this account. Yet they could not provide me with an answer of why my payment had been taken from this account. This in my opinion is some type of fraudulent transactions on my account, yet they could tell me nothing. Their only solution was to credit the account the money had been taken from by " mistake '' and then debit from my original checking account that has always been used to make payments from. They suggested that I change my login information. I only hope the person whose account was mistakenly withdrawn from did not suffer any hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Kolhs Opened a credit card account with my name and using my social security and but I never requested or applied for such account. I called their customer services department and told them the situation and asked them to close the account and they refused to closed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Firstly, I would like to point out that I am being penalized unfairly by a financial institution whose actions described herein appear to be at best arbitrary and at worst discriminatory. I have a perfect record of one time payments with the exception of a department store card issued by capital one. I own my home and have excellent credit. I missed a 30-day deadline for one of my credit cards during XX/XX/XXXX/XX/XX/XXXX. All other bills were paid timely. I was out of the country and I made sure to pay my bills before I left however, this particular payment was an oversight. I had no idea that I was late with a payment, if I had, I would have immediately paid this bill over the phone. Further, I ensured that I had international phone service abroad for any emergencies that may come up while I was away. I never revived a call or voicemail indicating that my payment was late. Missing this payment had nothing to do with my creditworthiness as far as being able and willing to meet my financial obligations. When I returned to the country and realized that I had missed a payment, I immediately brought my account current. I submitted a request to the company to remove the flag in order to restore my standing and I explained that this was a one time error that would not repeat itself. They denied my request and did not give a reason as to why. I believe that this not only is a poor business practice, but it also penalizes me unfairly whereby others have been granted this request. I understand this company has a history of appearing to make credit decisions based on certain demographic information. I 'm XXXX and XXXX. That is the only notable difference between me and another individual who was granted this request. Although this is not a credit decision, per se, the denial of good faith action from a financial institution will negatively impact my credit for years to come. I came to my creditor in good faith to advise that this was a one-time error that was exacerbated by me being out of the country and unawares of my late status. For instance, I received no call or voicemail once my payment was past due, at a minimum I expect the bank to exercise certain actions such as a phone call when a payment has been missed. I ask that the CFPB intervene on my behalf and request that the credit card company remove the 30 day late flag from my credit report, and restore my perfect repayment history. Further, I would like to ask the financial institution to provide an explanation around the decision to deny a goodwill gesture or accept certain other requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
purchased a vehicle in XXXX of XXXX lost job in 2010 filed chapter XXXX the chapter XXXX got dismissed vehicle was totaled in XXXX the paperwork provided to me by capital one shows a loan balance of {$8100.00}. Capital One is reporting to the bureaus charge off of {$18000.00} I have asked repeatedly for documentation to be provided to me reflecting how this loan has come to an outstanding balance of {$18000.00} on one can provide me with that information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CapitalOne has repeatedly refused to allow my card from 2005 to remain open, its since gone inactive after I REPEATEDLY requested they send me my card. They asked for proof of address along with ID. I HAVE SENT IN ALL. THEY WILL NOT HELP AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
capital one bank keeps trying to collected money from me and i paid them and i cant even get another credit card because of them they keep threatining me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Made a purchase at Kohl 's in XXXX. Never received an email or written statement. They called yesterday to tell me that I had n't paid in two months and that I had the wrong email on file, However, I continue to receive emails regarding other announcements from Kohl 's. I have never been late on a payment for anything and this {$29.00} purchase is affecting my credit. My penalty was {$81.00}. I promptly closed my credit card with Kohl 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a mortgage through Capital One Home Loans. I recently refinanced and the balanced was paid in full. Capital One has refused to send me the balance of my escrow account of nearly {$1000.00}. I have called several times and they just blow me off and say they will eventually. It has been over three weeks. If I did n't pay my mortgage within 15 days, I was assessed a late fee ( although I never was, because I pay my XXXX bills on time ). Why should Capital One not be subject to the same requirement?

Company response to consumer: Closed with explanation