vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I had a membership with XXXX XXXX. Their business was purchased by XXXX XXXX over XXXX years ago. I never received any notice from XXXX or XXXX that the business had been sold and that my account had been turned over the new gym. Some months later my credit card was charged {$150.00} by ABC financial. So I called ABC Financial and was told they handle the billing for XXXX and I have a membership there. I have never stepped foot in to a XXXX facility and have never signed any agreement with them. They tell me to call XXXX, I do, and XXXX tells me to call ABC. I call ABC Financial I told them that I did not have a membership at XXXX. I had XXXX at XXXX and never signed any agreement with XXXX and I wanted a refund which they refused. I told them to cancel my account. The next year they charged my credit card again. I called again and went through the same conversation. No refund, telling them I do not have an account and they say I do but they would cancel it now. This past year our credit card number had been changed so they can no longer charge it. They have been harassing me via telephone and email. I have called and spoken to XXXX different account reps who say they have taken care of it however, I am still getting emails. Now they are trying to charge late fees and telling me that if I do not respond within XXXX days in writing or pay the bill their office will take action. XXXX will not speak to you about billing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Pulled credit report without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My lender automatically compounds the interest on my loan daily while only offering a facility to pay semi-monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I have frequently requested to Kimball Tirey & City of XXXX XXXX, to provide me with an explanation of the amount they claim I owe, how that amount was calculated and account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened an account with Capital One eariler in 2016, and it only had XXXX dollers on it. So, Far I have paid them over XXXX dollers and have a balance still of XXXX. They said it was because of the fines and fees, but I have made all of my payments on time, except for one ; which I paid immediately and asked for the lady to change my account settings, so that no purchases could be made on my account, she did not representate me correctly, and left my account open allowing repeat transcations to be purchased ; after I asked for her to close my account, so that I can only make payments toward the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
When paying off my final payment after closing my account with Capitol One, the customer service rep asked if I wanted to round up to the next whole dollar amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I purchased a puppy. The contract was signed which is attached labeled " puppy warranty ''. No where in the document does it state a return policy. I had an issue with my senior dog being aggressive, contacted the company via XXXX and explained. They advised to bring the dog back. ( conversation attached ). they then only reimbursed me 50 % of the price. I left before an altercation started. I came home to file a credit card dispute. The dispute with Capital one was first filed in XX/XX/XXXX. XX/XX/XXXX I receive a letter stating they decline the dispute. The Merchant, altered the contract and added a return policy and submitted to capital one as evidence. I immediately called capital one again and escalated to a manager. After a 3 hour conversation, the manager finally compared the contract and agreed! She re-submitted the credit card dispute. That was XXXX XXXX. Now we come to XXXX XXXX and I again receive the same message. This time no additional evidence from the Merchant, but Capital one again looking at only their contract. I attempt to escalate to XXXX different managers asking them to look at the documents and compare them. All tell me I signed a return policy. I have been a perfect paying customer of theirs for years, now have no other option as I have proof of what I signed to wait to go to court. I do not owe {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Sometime around XX/XX/XXXX or XX/XX/XXXX my wife got a notice from Capital one bank indicating that we owe on a credit card. we responding that we never had a Capital one credit card, but was taken to court. the case was dismissed in court but Capital one has been still trying to collect, using one collection agency after another. every time we send the collection agency the court dismissal notice another collection agency would contact us. we did not hear from anyone in years so we thought this matter was resolved, however we just got a notice from XXXX XXXX XXXX trying to collect the same Capital One account. Capital One Bank has still been sending us Credit Card approval notices, so if these approval notice get into the wrong hands the same thing can happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Thursday XXXX Capital left a voicemail @ work saying to call the fraud people by calling the XXXX on the back of my card which I did today XXXX ( I was not at work ). They say there 's fraudulant activity and they have to shut my account. I asked for 24 hours so I can notify all the vendors linked to my account and they say they can not do that ; the best is the card will be frozen for all transactions. I have to answer a fraud questionnaire. Then I have to wait 5 days for a new card in the mail. 
I feel this is unfair treatment. I should be able to notify my vendors and be given new card information to work with immediately. The world does not wait for things to arrive by mail. 
lastly, the company says they can not tell me the name of the company where personal information was released because of the " ongoing investigation. '' That 's like saying you were XXXX but you are not allowed to know who the XXXX is. 
finally, Capital one claims they called my cell phone and " could not leave a message '' ( no reason why ) and they called a number that apparently they had on record that I had called from at one point in time. It turns out that is my BOYFRIEND 'S phone number. If that had been an ex-boyfriend that could have been dangerous for me, possibly. I do not like that they could call that number without having asked for permission to use that number. That appears predatory and beyond cautious despite some " fraud '' that I know nothing about. I know we need to know about fraud and that they need to be careful, but this seems BEYOND careful and leaves me feeling like a victim. ] I WANT TO KNOW WHAT MY RIGHTS ARE WHEN IT COMES TO NOTIFICATION AND AFTER EFFECTS OF CREDIT CARD FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I applied for a capital one card back may of last year. this pass fall of last year i took out a cash advance. i sent in payments amount that should have paid XXXX of the cash advance amount. When i look at my XXXX statement i was shocked that my cash advance amount had not deminised at all. So i called capital one to see why my cash advance amount had n't went down. I was told that after they fees amount have been deducted then whats left over would be split and XXXX half of that amount would be subtracted from the purchase amount and the other half would be used to reduce the cash advance amount. So I decided to continue to pay far more than the minimum amount due so that was left over would completely reduce or in my case totally gotten rid of the cash advance amount. Three months late to my shock the cash advance amount was still the same. Being greatly concern and in anxiety about this I called capital one again. Now they tell me that I have to pay the entire balance on my card ( purchase and cash advance ) amount in order for the cash advance amount goes away.They said that cash advance amount would remain the same forever, and they will continue charging interest on the full amount continually forever otherwise. This is criminal, i would fair better at XXXX robbery. This is so wrong on so many levels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX XXXX admitted they open a claim up on me in error, it been affecting me getting homeowner insurance and have my rate extremely high to do damaging my XXXX report, which a clear violation of FCRA which is govern by FTC. Foremost send me a letter out admitting it was a error, but XXXX failed repair to reporting on his XXXX report its been 18months of get denied and being embrass because denial. In XXXX XXXX XXXX XXXX place XXXX claim on my history and a XXXX and XXXX on my file in XXXX XXXX and XXXX XXXX these claim were only supposed to be XXXX claim which Texas Insurance Commission agree via by accept my complaint against XXXX XXXX. Only XXXX claim was filed which was XXXX XXXX XXXX and since I filed a claim which insurance commission it was a tactic to make me pay higher rates or be denial coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 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: OR

Complaint narrative:
In XX/XX/XXXX I opened a Capital One credit card acct. It was a {$500.00} credit limit. In the same year XX/XX/XXXX I lost my job and was un`able to find a job paying more than {$7.00} to {$8.00} an hour. So in XX/XX/XXXX after my unemployment funds ran out, l could n't pay my debt. 

As my debt proceeded to remain past due, the collection attempts were strong and stronger. There were threats of me being sued as well as being garnished from my wages if l continued to not pay my debt. Capital One forwarded my debt to their sister offices to persue collections while building fees on the {$400.00} debt now owing more than the card limit allowed. For each move to their sister offices fees were added, along with late charges. Which now makes the debt look like l owe more than the credit limit allowed. Once Capital One finished sending my account to their sister agencies, they wrote off {$1100.00} and referred my debt to a legal office. XXXX. 
Upon XXXX receiving my debt, they then fowarded my debt to each of their XXXX sister agency offices while adding late fees, collections fees, mailing fees, while attempting to call to collect this debt. 
Still out of work, for each call or letter l received l responded by telling XXXX l was still unemployed and looking for work. Their threats continured with the balance due increasing all the while. Once this debt went to all their sister agencies, l was threaten and told l will pay XXXX way or another. 
After some time had passed, XXXX realized that l was n't going to pay they turned my debt over to their legal team to harass me, threaten me beyond anything l 'd heard, then XXXX gave their legal staff permission to garnish my wages. While my debt has increased with no way to pay, l was still being threaten with all sorts of legal action against me. These garnishments from XXXX agency were sent to many other banks l had no association with. The fees against my debt increased with no end in sight, where as when due deligence was excused it was then learned that my property where l lived was in my husband 's name only and l wasn ' included in name on any of our properties. This is where the {$390000.00} comes with interest accruing @ XXXX percent annual. I would owe this debt until my death! for this was only a {$500.00} Capital One Credit card. 
I did not receive notification of my right to persue this debt, because l was told as well as hollered at in paying this entire amount off asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I pay my car payment every month online using Capital One 's online system. I scheduled my payment on XXXX for my regular car payment of {$520.00} to be pain on the due date which is XX/XX/XXXX, after I chose my method of payment which is using my bank account and selected my date to submit payment. I agreed to authorize Capital One to collect that specific amount from my bank account. I logged into my bank account to balance my ledger when I noticed that Capital One collected {$1000.00} from my account instead of the amount I authorized, which was {$520.00}. I immediately called Capital One as well as logged into my account in their system to see what happened. I noticed in their system that my payment I scheduled did not show up, nor did it reflect the payment they collected from my bank account. In fact their system showed I was delinquent in paying my car payment. I spoke to a representative to get an understanding of whatever mistake they made, and i told her they needed to refund the additional {$520.00} they took out of my account unauthorized. She informed me that I have not made a payment since XX/XX/XXXX and that the payment they just collected from me was applied in the following manner : {$520.00} toward my principle and {$520.00} toward interest! 

I let her know that Capital One does not have the authority to decide how munch money is applied to my principle or interest, nor the authorization to take more money out of my bank account than what I authorized and that they need to rectify what they have done! 

She informed me that I needed to show proof of the payment pending on bank statement and send it to them via fax and that they will launch an investigation to determine if a refund will be provided. I told her that banks do not provide current bank statements, and that I would print out my account summary and fax it in to them to review and that a refund will be provided otherwise its called stealing, which they have done when they took more than my normal car payment out of my account and that they will also be responsible for any overdraft fees I incur because of this. 

I called Capital One again on XX/XX/XXXX to follow-up in regards to my fax i submitted and they informed me that they have not received my fax, or my payment. I checked my account online while on the phone with them and let them know that they have officially collected payment, because the transaction has now posted to m y account, so I don ; t understand how they can not have knowledge of my payment, but collect an unauthorized amount from my account, how can you explain your ability to access my bank account? the rep XXXX said he submitted my complaint to the allocation department and that they will contact me within 2-5 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear BCFP, On XXXX XXXX, 2015 my sister and I filed our first request to access our mother 's " 360 account '' with Capital One Bank. XXXX. On XXXX XXXX, 2015, we submitted XXXX required documents : our power of attorney document and the required document for power of attorney that is specific to Capital One. We have been told at every turn that these are the only documents needed. 

Since XXXX XXXX, 2015, we have re-submitted those documents multiple times ; we have called many times ; we have done everything by the book and by Capital One 's rules. They still wo n't give us access. I ca n't get any tax information from them. Meanwhile, as we try to take on a major bank, our mother has literally weeks to live. Can you please help look into this act of wanton stonewalling and ineptitude so that our and similar cases will not reoccur? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am consolidating my debt. I understand my debt is my responsibility and am not looking to blame anyone. I called Capital One where my interest is 18 % and I have XXXX dollar balance. I pay over XXXX dollars a month in interest. All I did was ask for a reduction in my APR. I was given a supervisor that claimed she was the highest level and would not give me anyone else to speak with. She even stated her supervisor would does not even get on the phone w consumers!! I am a XXXX, my XXXX has spoken to patients with complaints. I am shocked that my account is in good standing, I pay XXXX a month on time every month, which XXXX goes to interest. I was just asking for a reduction for 12 months to save money. I am very disappointed as XXXX reduced my rate by 1/2 for one year and saved me 1/2 my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a secured credit card account with Capital One several years ago. As of XXXX XXXX, 2016 they held {$2800.00} of my money. On XXXX XXXX, 2016, I closed the account and was assured by Capital One they would return my funds within XXXX billing cycles. Now, on XXXX XXXX, 2016 after XXXX seperate calls to Capital One, they still have not returned my money. They have lied to me every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX issue correspondence ( verbal/written ) to collect a credit card debt from Capital One ( Acct **************** ) when I informed them I do not have a Capital One credit card issued to me, nor activated by me. The Credit Report Agencies have been notified that I failed to pay on a debt " which is in default. '' This action is in violation of PL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A XXXX number called about collecting a debt owed to capital one. It left a message for me to call another number back. When I called it back it was a very sketchy sounding man and did n't sound professional. Something about it just is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
My credit report is absolutely perfect, other than this error, showing a 30 day past due payment on a Kohl 's card through Cap One. I am not a slow payer or having financial difficulties. There was an issue with my checking account, where the bank mis-posted a cash deposit to the wrong checking account. This caused my Kohl 's payment to bounce and I went past due because they had the wrong phone number on file for me and could not reach me. Since I live in the XXXX, I only get my mail weeks later. When I found out about the issue, I immediately made payment and advised Kohl 's of the bank issue. I disputed this with Kohl 's and they refused to fix it. I had my bank send them a letter explain that it was not my fault. I thought that with this letter Kohl 's would have cleared up the matter, but I just pulled my report and it is still on there. When I called Kohl 's they said that even though I attempted to and had all intentions of paying and was victim of a bank error, they will not correct my credit bureau. I am not asking anyone to fix something that was my fault. If XXXX bank causes an issue, that should count. They claim they are not permitted to change the reporting unless it was their error. I just do n't believe that is a fair practice and I suspect that is not a rule they apply consistently because others, report on line that having proof of a bank error should and does result in the credit bureau being corrected. I do n't know what to do next, but try this route in hopes that you agree that I am not being treated fairly.

Company response to consumer: Closed with explanation