vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-08 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one 's executive/fraud protection provides horrible service and inadequate protection for consumers. I have applied for XXXX credit limit increases and due to a fraud alert that is on my CBR, they have to call me to verify my identity. Their practices are antiquated and are not designed to protect the customer, but rather to discriminate and cause the customer undue hardship. They literally have it set up to call me once a day at the times I work. Due to me being unavailable at the time, they leave XXXX message, if they leave a message at all, explaining XXXX. I ca n't call them back to return the missed call, they ca n't call me when I am available, everything is centered around inconvenience and rude team members. I have taken this same complaint all the way to Capital one 's executive team last year in XXXX. I spoke with a nasty rude account executive and now I feel like Capital one is holding me hostage. I just have to take their subpar service and their is n't anything I can do about. At this point their practice needs to be investigated and changed. Clearly, they wo n't listen until a complaint like this is filed. I have attached a facebook conversation with capital one regarding this issue. Clearly they do n't care

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 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:
On XXXX/XXXX/15 I cancelled my internet service with XXXX. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I called XXXX due to bills received that did not reflect the final balance. Since then XXXX has sent my account to collections. I do not owe {$130.00}, my bill should not have been more than {$30.00} or {$40.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Apparently Capital One has amended the Fair Credit Reporting Act. You really need to publish this particular bold infraction. I disputed a Capital One tradeline on my credit file. I received the attached letter from Capital One saying that they would not process my dispute unless I sent them a list of items in the letter. 
Now the FCRA only requires that I send my drivers license and a utility bill along with information from my credit file and the nature of my dispute. They also are mandated by federal law to record the current status of the item or delete it from my file. I sent this dispute on XXXX XXXX. I know the bureaus send the dispute to Cap One through E-Oscar and give them 10 days to respond. But it is now XXXX XXXX and Cap One says that they wo n't even process this dispute unless I MAIL them the items in their letter. How is this possible? There is no way that the bureaus can comply with the 30 day maximum time frame for processing ... so the item will remain on my file because Capital One is breaking federal law and usurping the bureaus administration of my dispute. This has all the ear marks of a huge class action lawsuit. Consumers having their disputes pressed beyond the 30 day time frame because Capital One refuses to comply with section XXXX of the FCRA and the bureaus being wilfully negligent of section XXXX simply because Capital One does not want to respond in their ten day time frame. 
I was told that XXXX XXXX once went to Capital One to discuss consumer disputes and their handling BY Capital One ... and that the XXXX XXXX representative said : " We want to make our database look just like your data base '' ... .but I never thought that the bureaus would get out of compliance with federal law BECAUSE of Capital One. 

This could be a landmark case for the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 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: CA

Complaint narrative:
ABC Financial Services Inc. is the billing company hired by XXXX XXXX XXXX XXXX XXXX health club. At the time that membership was agreed to a detailed contract was signed, naming ABC Financial Services as the sole company responsible for enforcing and collecting on amounts agreed to on the contract. I suffered an injury that made me unable to attend the gym and therefore need to cancel the annual contract. Repeated mis communication and increased charges became the trend, the most blatant is a " cancellation fee '' of {$50.00} not detailed anywhere in the contract. When I emailed them a scanned copy of the contract showing no such fee was disclosed, different responses were received including first, see our website for terms ( not referred to anywhere in the contract ), then later, speak to the gym management, of course gym management said to speak to ABC financial services. Fees to which I did not agree to, {$50.00} cancellation fees should not be charged, only what was agreed. This company needs to clearly disclosed in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
i am closing on a house in 2 days and capital one 360 has {$100000.00} of my money and refuses to wire transfer the money to the title company or the account where funds originated. i have been trying to get this money wired out of this account for 2 day. i have spent over 10 hours on the phone, mostly on hold, with the only result being " we can not guarantee that the funds will be transferred because your account has not been open for 60 days. '' they will not even wire the money back to my personal checking account because it has not been open for 60 days. this is not in their disclosures available online. in my calculation it has been 59 days that the account has been open and they still refuse to make a work around. the only answer that i get is " those are our rules '' when pressed as to the severity of the situation and asked for a supervisor the response was send XXXX. they are the only way to escalate the problem. well i sent that address an email and it was refused. 
basically i may have lost not only {$25000.00} in earnest money but the hose that has been being built since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One offers a unique program to their customers through their website where a customer can combine XXXX credit cards. The minimum criteria are listed on the web site, with no other terms or conditions about the program available. XXXX of my Capital One credit cards meet this listed criteria. The website tells me I 'm still not eligible. I called capital one and spoke to a supervisor. I was informed that it was a back end decision, and although my cards meet the criteria listed on the website, their system has said I am not eligible. When I asked why, they informed me that even they did not know, and there was no way to find out. 

So on the one hand, I have met all of the criteria made publicly available to consumers. On the other hand, Capital One is saying I have not met the right criteria, and can not tell me why. 

I fully understand if there is criteria I have not met, but to simply be told " You 're not eligible, and we ca n't tell you why '' does n't work for me, and seems more like false advertisement than anything else. If I were to be told exactly why I was not eligible, then that at least gives me something to go off of other than " Better luck next time ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One placed an unauthorized inquiry on my credit reports with the three bureaus. I never authorized them to pull my credit nor did I apply for any credit cards with them. they are reporting an unauthorized inquiry fro XXXX XXXX, 2013. Please have them remove this. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I paid my Kohl 's credit card about 3 or 4 days late ( not 30 days late ). They charged me a {$25.00} late fee last month for the late payment in violation of the consumer credit card reform act

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me. 
Please provide full details of this account including the information used to open it. My credit files report an address that is not known to me and there have been attempts to open accounts from this address therefore, I require full validation of the opening documents for this account to ascertain who is using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Sir or Madam, I 've been on vacation with no access to a Capital One Bank branch in the area and I 've been hit with numerous overdraft fees ( XXXX in all )! And the number continues to climb each day. This is a total of {$330.00} which I find quite excessive. 

Unfortunately, I 've been unable to deposit any money into my account to stanch the flow of overdraft fees as I 've been in an area where there are no Capital One branches. 

I tried resolving this issue by contacting XXXX XXXX, Director of Complaint Operations for Capital One and she answered that she would have a colleague reach me to discuss the issue. When I received a call from her colleague it was only to explain to me why they were justified in charging me all of these fees. 

So I appeal to you for help. 

Capital One Bank 's have increasingly used overdraft " protection '' plans in a way that is deceptive and unfair to consumers. The vast majority of large banks enroll consumers automatically in overdraft plans, charge an average of {$35.00} per overdraft, and manipulate the order transactions to post in a way that maximizes overdraft. This predatory practice must end! 

A report by the Consumer Financial Protection Bureau ( CFPB ) released in XXXX 2014 raises concerns about the impact of opting into overdraft services for debit card and ATM transactions. The study found that majority of debit card overdraft fees are incurred on transactions of {$24.00} or less, and that the majority of overdrafts are repaid within three days. Put in lending terms, if a consumer borrowed {$24.00} for three days and paid the median overdraft fee of {$34.00}, such a loan would carry a XXXX percent annual percentage rate ( APR ). 

By capping the number of overdraft fees Capital One Bank can charge, we will maximize protections to consumers. Unchecked, banks like Capital One will continue to XXXX their customer 's accounts with impunity. When will this end? 
Capital One 's predatory banking practices remind me of what XXXX XXXX says in her book How the Other Half Banks : " One of the great ironies in modern America is that the less money you have, the more you pay to use it. The American banking industry has stopped serving those who are too poor to bank. '' Charging excessive overdraft fees on one 's account is wrong and should be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i need XXXX XXXX from capital one to call me about disputing XXXX on my account its time and i ened it done. too many different answers. i try her with all those numbers at her extension and my time is valuable i need a call after XXXX XXXX to dispiute the rest of it. i need it back. merchant will not fight it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
We have a business card with Capital One ( XXXX ). We added an employee card and updated our email address. Subsequently our account was locked for suspected fraud. We called Capital one verified our identity and the changes. Capital One requested supporting documentation from us consisting of drivers license copies, utility bills, and a copy of our Social Security card for each cardholder. We thought this an odd request especially since we have been using the card for over a year. We advised them that we were fine sending in everything with the exception of our Social Security card copies as we were not comfortable for security reasons with them having or storing a digital copy of our social security cards. We then sent in drivers license and utility bills for each card holder and with held the Social Security cards. For some reason After numerous calls Capital One refuses to remove the fraud hold on our card until we provide digital copies of our social security cards, which we will not do. This caused disruptions in our business so we opened another card with another company. 

We called Capital One to close our account due to the fact that we were at an impasse. At the time we had a balance of approximately {$560.00}. We had accrued {$510.00} in cash rewards using the card for the last year. We requested to use the cash rewards we had earned to close out the account and fund the balance. Capital One now refuses to let us use our cash rewards until we send in our social security cards. We paid the balance and it seems we will now loose our cash rewards because we refuse to let Capital One have a copy of our Social Security cards. 

No fraud was ever on this card! We made and authorized all changes. I have never had a credit card company hold me XXXX until I fax in a copy of my Social Security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I worked out a payment arrangement with XXXX, XXXX XXXX XXXX, XXXX. They debit my account monthly in order to settle this debt for a credit card that I owe. They are taking me to court to garnish my wages even though they are still debating my account montly with a recent transaction happen on XX/XX/XXXX. I looked back through my bank statement to make sure the drafts were coming out. THEY did n't draft it out in XX/XX/XXXX however they did XXXX, XXXX and XXXX. In fact my drafts begin in XX/XX/XXXX. I have paid them payments totaling around {$1800.00}. I do n't feel that missing XXXX payment that they never told me about warrants wage garnishment. Please help. I can barley survive now. I barley can afford food for my family. I realized my debt and that 's why I arranged payment arrangements with them so this situation would n't happen. Please help me if you can. I have gotten letters from lawyers for representation and I did n't know I was susposed to be in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012, XXXX 2012 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 2016-11-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I entered into a 72-month auto loan with Capital One Auto Finance on XXXX XXXX, 2010. I have had XXXX payment deferments which extended the loan terms from 72 months to 75 months. I get my final statement this month and they claim i owe and additional XXXX!! Well first of all I called them to explain that i should not owe an additional amount due to this is a loan and not a lease there should be no residual balance on a purchase. Then she tells me its the interest. I them tell her NO MA '' AM the payments are set up to to deduct monthly a certain amount goes to interest and the balance to principal.. ( I am no dummy ) I asked for the transactions on my account to be mailed to me. I also explained to her that there is no mathematical way i should owe an additional XXXX I asked to speak to a Manager to resolve and said one would call me back ... ... I am still awaiting that call. Granted the interest rate was high, but i have made every payment. ( XXXX of them!!! ) They would like me to believe its interest but i know better. This is their way of getting over on consumers who were credit challenge at the time of the loan. My original loan was for XXXX@24.35 APR which mean i have paid them XXXX in interest alone!! total paid XXXX!! I refuse to be taken advantage of, and this is what they are doing. If my interest or loan terms changed during the course of these long 6 years I should have been contacted. I do n't want this to happen to another hard-working consumer. I will continue to call them on a daily basis until they resolve. I will continue to complain about their shady business practices to anyone that will listen. All I want is my title! I have earned it! I have paid for this truck 3 times over!! I have kept my end of the contract paying XXXX for a truck not even worth XXXX right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is my third submission in regard to Capital One bank. I have asked to receive a lower APR on my credit card because it is XXXX to 21.00 %. I spoke with XXXX XXXX the second time about lowering my APR. She told me that she could not lower my APR at this time because I had a returned payment from my bank. I explained to her that my percentage of paying my credit card is 91 % and sometimes I pay XXXX a month because of how high the balance is. I explained to her that I did not apply for a capital one credit card and that it is unfair for Capital One to keep the APR from XXXX from which the account was sold. XXXX XXXX said that this does not matter. She then keeps sending me this letter my personal protection account as if they are going to pay my bill for me. I told her that I do not have a problem with the personal protection account but that is not the only element that is making the payments ridiculously high and the APR!! She continues to send the personal protection letter as if they are an option for me to help pay my bill. I am not unemployed nor do I fit the criteria to receive this benefit. I am able to work and wish that she would stop sending me this letter to try to commit fraudelent claims to Personal Account Protection!!! I can pay my bill I just would like the APR lowered to a reasonable percentage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 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: FL

Complaint narrative:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Capital One Bank, USA refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX/XXXX/2015, I purchased an item from XXXX. The seller was located in XXXX and offered free shipping ( see attached ). This free shipping and the entire transaction was based on false and misleading advertising. The seller knew that the item, even though advertised ( see attached ) to fit the style ( XXXX XXXX XXXX ) of my vehicle, did not fit and an unsuspecting buyer would be forced to send it back to XXXX and eventually end up paying for shipping. 

The item is too long for the trunk of my XXXX MB. When I contacted the seller, " XXXX '' stated that I should return the item but she was unable to provide a prepaid return label from XXXX. Although she mailed the item via XXXX ( # XXXX ), the seller also stated that " there is no local shipping address within United States, that 's why we ca n't offer pre-paid service due to we are not located in USA '' ( see attached ). If the seller is not operationally equipped to handle returns, then they have no business selling to customers located in the United States. This is a scam! 

On XXXX/XXXX/2015, the fee in the amount of {$49.00} was charged to my Capital One account ending in XXXX. I filed a dispute which was denied by my bank due to seller XXXX 's statement that the item did in fact fit my vehicle. Although, in previous messages from XXXX she stated that she understood my concerns and will gladly refund my money once I return the item with shipping charges paid by me. On XXXX/XXXX/2015, {$49.00} was rebilled to my account ( see attached ) for item number XXXX.

Company response to consumer: Closed with explanation