vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I placed an order for a XXXX in early XXXX. I got XXXX confirmations for XXXX XXXX. I immediately called XXXX and told them about it and they said there was nothing they could do. I told them I do n't want anything from them then and to cancel my order. They sent XXXX XXXX and I refused delivery of all XXXX. Then they charged a month of service for a hotspot. Household Bank ( HB ) eventually refunded the XXXX hot spot charges but not the month of service until I agreed to cancel my current credit card and let them send me a new XXXX. I agreed to do that and after I got the new credit card and cancelled the old XXXX, they would not refund the bogus {$52.00}. service charge. I tried for month to get them to make it right but they would n't. I was still haggling with HB when Capital One bought out Household Bank and I had to dispute it with Capital One. They saw it was bogus and said it was refunded on my card, which it was. That was the only reason I used Capital One 's card. Otherwise I would have closed that account for getting bad service. I had no idea Capital One did n't keep their promise until I started looking for a mortgage and was told they reported a XXXX day slow pay negative report on my XXXX credit reports. 
The other issue I have from Capital One is I filed bankruptcy XXXX XXXX, XXXX due to attorney 's fees from a divorce and received a discharge in XXXX, XXXX. Capital One was XXXX of the creditors in the discharge. I also learned at the same time, they reported this as a write-off in XXXX, which is also not true. Enclosed is a copy of the discharge and Capital One is XXXX it. 
I have disputed this with Capital One several times and they just mess me around. I then disputed it with the XXXX credit bureaus and they " investigated '' it and they said they could n't do anything unless Capital One changed it. Now I am seeking assistance from the Consumer Financial Protection Bureau because of CaptialOne 's vindictiveness. Please process these complaints and have Capital One report accurately and have the XXXX credit bureaus amend their credit reports to reflect the newly corrected information. 
As you may see from the XXXX pages of documents, I have been trying for some time to get this resolved. Capital One has sent contradicting letters in the same day and not followed through with what they said they were going to do. The times I have spoken with them on the phone they have said misleading statements and done differently than they promised. 
When I speak with the credit bureaus, they say they wo n't do something unless Capital One changes it. 
Please process this complaint and have it corrected. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 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:
NO REMOVAL OF THE INQUIRY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
My sister and I both have applied for the same credit card which was the XXXX card by Capital One. Neither of us have yet to receive denial letters via mail, my application was almost 30 days ago. However instead both of us have received emails regarding our denial letters. We enter the credentials which were our XXXX and XXXX. When we entered the credentials we noticed it was someone else denial letter. Completely different name and everything. This is a privacy issue especially considering we both got someone else 's denial letter. I have contacted the Executive Office and their XXXX XXXX regarding this issue and still have not received my denial letter. If i am not mistaken a company needs to send your denial letter, but to receive someone else 's letter just seems to be a privacy issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital one is harassing by sending spam paper mail communications. 

The opt out process is unclear and difficult. 

Capitol one is violating my personal privacy. 

Capital one is sending unsolicited harassing communications that create a threat to personal privacy. 

XXXX is not at the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

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/2014 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 non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX MA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT COLL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT COLL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one fradulently charged my credit card in favor of XXXX despite I informed them I have not used the card for the purchase. I demanded to show them my authorization for the purchase but so far they have been declining to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have been sent a pre-approved credit card application from XXXX XXXX, XXXX XXXX. XXXX, UT XXXXXXXXI am registered on XXXXXXXXI would like to know where Capital One got my credit information? And my name removed from Capital One contact list

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
Called myself multiple times daily and many people i know several times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
CNAC - FL118 Never validated the debt and my request how the loan was written off and negative information needs to be removed from my credit files

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello CapitalOne Team, Hopefully you will be able to assist in treating me like a valued and respected customer. I have had your cards in excess of a year +. 
XXXX card, I opened as a Secured card to help in rebuilding my credit and the other card, a Quicksilver - was a regular approved CL. 
Recently I had been asking about increasing my limits to more respectable limits and have only been told that : 1, I ca n't increase limits on secured cards ; that there is no longer a way to make deposits to the program. That only Capital One Proactively reviews accounts for good history and determines that a customer should be rewarded with additional money on the card account. That 's not a fair trade off to help improve ones position. 
2, that limits are granted every 5-6 months. 
Since I have opened these card accounts, I have been able to successfully improve my credit position, and have since seen approvals with other major banks, being XXXX and XXXX. 
My credit lines with these banks, have doubled/tripled what Capital one would even consider me for. Therefore my loyalty lies with using their cards over my CapitalOne cards, since the flexibility in those lines appeal to me more. 
I would like to have CapitalOne share in my sending and be able to be used more actively, but I ca n't do this with toy limits. 
I am requesting that you Proactively review my Secured-Line and increase that balance substantially, as well as my QuickSilver line. I would like a respectable amount of credit to be granted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My friend add me As join account to his credit card but they restrict the account because of the fraud issue after summit all my information and validate my information gave me hard time in customer service because they never receive anything and always speak to someone who is out the country and have no idea about law in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
Constant calling ... everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One 360 is my retail bank. XX/XX/2016, the bank began rejecting my attempts to deposit checks to my savings account. For more than six years before that, I deposited electronically without incident. I have corresponded repeatedly with the bank via the Message Center on the Web site since XX/XX/XXXX, and the bank says the tech team is working on the problem. There has been no progress that I can discern and the bank has offered no report on progress. I think two months is ample time to solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
CNAC ( J D Byrider d/b/a CNAC aka XXXX XXXX, XXXX XXXX, XXXX, IN XXXX, XXXX ) delivered a Faulty automobile title, + held my own sale hostage while demanding a phony claim payment of {$110.00}. My CNAC statement clearly and unequivocally states " Paid in Full - No Balance Due ). 
On XXXX XXXX, XXXX I purchased a XXXX XXXX XXXX XXXX at J D Byrider / CNAC, and used their CNAC financing. 
On XXXX XXXX, XXXX I closed my loan with CNAC and received a signed statement " Payment in Full, no balance ''. 
Upon closing my sale of my car XXXX yrs later on XXXX XXXX, XXXX, I discovered that CNAC had in XXXX sent me some sort of FAULTY DUPLICATE Title ( of which I had no knowledge or awareness necessary to ID a faulty/unacceptable title ). CNAC now ( on XXXX/XXXX/XXXX ) claimed some bogus balance due + interest/fees equaling {$110.00}. They would not provide the actual title unless I paid them. SO CNAC held my sale HOSTAGE for an INAPPROPRIATE, PHONY claim. I did not expect this problem so I did not have the Signed statement re " Payment in Full, no balance ''. I had no choice but to pay CNAC, otherwise I would lose my sale. 
As a large financial firm, I can not believe this is an innocuous, honest mistake. Rather this appears to be a phony rip-off, hoping that prior customers do not have their paperwork, allowing CNAC to strong-arm customers for bogus fees and claims, while using faulty titles as XXXX mechanism. 
And regardless, as a large financial firm, CNAC/J D Byrider has a duty, including Truth in Lending standards, to maintain accurate records and provide accurate, honest documents. 
Upon requesting the assistance of the XXXX, CNAC chose to blatantly ignore and not even reply to XXXX XXXX inquiries. A reputable company with a legitimate position on a matter would never just ignore an inquiry. That intransigence further indicates CNAC is knowingly and willfully engaging in Faulty Claims, Faulty Documents, Misrepresentations, and numerous Truth-in-Lending violations and disregard.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have never had a late payment on my credit ever. I signed up for a cap1/mnrds account on XXXX XXXX XXXX on my 6th payment the reported me lage 30-59 days late. I never recieved a statement and I had called numerous times why I had not gotten the statement. I was advised to wait until i got my next statement. I recently signed up for XXXX and noticed this error on my credit. I contacted capital one and they said to make the complain to the credit bureau and refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Complant on XXXX bank Captial One bank at some time credit card was not in my on me I sent letters to banks to let them know I do not have credit cards on me never did they ask for payment late charges and keep on miss information with credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 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: AR

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XXXX XXXX, I was trying to finalize the payment for groceries at XXXX when my card got declined. I contacted Capital One by phone and I was informed that my card was flagged with fraudulent activities. The attendant asked me several personal questions and asked me to confirm several purchases. After all confirmation, they informed me that my account would have to be CANCELLED and a new card would have to be reissued for my protection. The problem is that I am currently moving from XXXX to XXXX and this was my primary card during this entire time. With such being cancelled, I had NO CARD OR MONEY until the new one arrived. Besides all this incovenience, I had to wait in line at XXXX while waiting for Capital One to resolve the problem for almost 2 HOURS on the phone when they finally informed me that there would be no solution and I would have to wait until XXXX XXXX when the new card would be sent. With no other alternative, I had to cancel the FOOD purchase and return home since I had no buying power to do anything. On XXXX XXXX I received the card in the morning. I activated the new card and returned to Target to try to buy FOOD once again. When I got to the cashier, the card got DECLINED AGAIN!!!!! Once again, I called Capital One and I had to wait another 30min to be answered and be told that the card was flagged with fraudulent activities. Once again, I confirmed all my account information and all purchase transactions. The card was finally unlocked and I could finalize the purchase but this is simply unacceptable! I was left stranded in a new city by Capital One without any buying power and with my card locked for 72 hours besides all the long waiting time on the phone to be answered and to have any problem resolved. CAPITAL ONE IS LITERALLY THE WORST BANK EVER! I WILL TAKE THIS CASE TO COURT!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My CapitalOne 360 savings account was hacked. It took 3 calls to the security people before they answered. My account was subsequently locked. A week later I still do not have access to my funds. Ive called half a dozen times and waited literally hours on hold without reaching a representative. Their voicemail box option is full. They are holding my funds hostage and I can not access them. Completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One Auto Loans makes collection calls on Auto Loan accounts prior to the due date. I have become a new auto loan customer within the last month and have been getting collection calls requesting payment prior to the due date. There has been no delinquency. This has been going on every day for the last two weeks. I understand from reading other customer complaints that this seems to be not isolated to my account but done to multiple accounts. I believe this practice is not lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX 2014 we missed one mortgage payment. Since that time, almost 2 years now we have been trying to complete a loan modification with Capital One. They continue to state that we are missing documentation, they ca n't read a date or signature on forms, etc. I have most of the documentation from them especially the one where they stated they ca n't read the date or the signature. The point is that they are stalling and stacking up fees and destroying our credit. There are many examples of this on the internet so I know that we are not the only ones dealing with this issue. We have not missed a mortgage payment since 2014 and we are willing to work with them to figure this out. They sent us a letter stating that we have a single point of contact so they abide by the law yet I have never heard from my single point of contact. When I call my single point of contact I get someone else every time. At one point we had someone named XXXX working with us and he has flat out lied to us several times. He told us that he called and left us messages which is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
Please be advised that I have been a victim of a Rip-off from New Century Financial and XXXX XXXX ( the XXXX public records in the Court ) New Century Financial Services is a Collection Agency that 's committing Fraud, using XXXX XXXX XXXX They manage to get my Social Security and my information. Once your name is given, New Century Financial Teams up with XXXX and XXXX which is a law firm located in XXXX NJ and XXXX and XXXX is involved in the XXXX. XXXX & XXXX goes to the court and file factitious and fraudulent judgments against taxpayer. I find out that the person who contact my agency in XXXX works in the Court and also with XXXX and XXXX. They have a scheme where they would constantly Harass and embarrass the taxpayers to the point where they are calling taxpayer 's place of employment and in violation of Federal law. I send a report to the Consumer Affair reporting this case what they did to me, but no ones response yet. Please note that these XXXX account has been paid in full. ( I been calling the person that contact my agency and XXXX and XXXX so they can remove this from my credit ) and now nobody appear. 




Please look at these links Ripoff Report posted on New Century Financial. You can view it at http : XXXX XXXX XXXX. 

Please remove this from my credit report when I look for Job the companies always are referring to this Judgment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation