vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX, I was in XXXX XXXX and my wallet got stolen with all my credit cards and debit cards. Whoever stole the cards used my Capital One Venture card at a XXXX and charged {$2200.00}, {$2400.00}, and {$2400.00} all on XX/XX/XXXX at XXXX. The culprit also spent {$1000.00} on XXXX other cards which was XXXX XXXX and my XXXX XXXX card. I called all XXXX companies the day after ( Saturday XX/XX/XXXX ) immediately after I realized my wallet was gone. All the companies said not to worry and that everything would be taken care of and I was definitely not going to be held liable. After about a month, all the companies did what they promised and all charges were refunded. I then felt secure and went on about my life thinking everything was okay. Some time passed maybe another two weeks and Capital One sent me a notification that they were not recognizing my fraud claim and that it was not considered fraud. I immediately called them to figure out what was going on. It is now XX/XX/XXXX and they still will not take these fraudulent charges off my account. I have spoken to XXXX XXXX. ( they will not give me her last name ) in the fraud department what seems like hundreds of times, talked to her manager, and anyone else who will speak to me in the fraud department and get no where. They say it is my job to prove that it was not me who made the charges, which I have done to the best of my ability. I have done everything they have asked of me including filing a police report with the XXXX XXXX Police Department. They still are charging me! I have had arguments and explained to Capital One that they told me I am not liable and even took it off my account for about a month just to be put back on. They are basically calling me a liar and instead of being innocent until I am guilty they are saying I am guilty until I can figure out to prove my innocent which I feel like I have. I am not a lawyer and do not really no where to go from hear. I even told them that both other credit card companies recognized them as fraud ( thanks and great customer service from XXXX XXXX and XXXX XXXX ) but Capital One says they do not care and that their fraud requirements are different. 

I am just requesting what Capital One told me when I signed up with them, that I would not be held liable for fraudulent charges and to take off the fraudulent charges. I have all detailed information to move forward with a resolution or if it is not resolved a lawsuit. 

Thanks for your Time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 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: NJ

Complaint narrative:
CCS of XXXX MA sent a letter stating I owe {$280.00} due to XXXX. I have never had any business with XXXX and sent a letter stating this. The credit collection letters keep appearing. I have never had a XXXX policy in my life. Please stop the scams and fraud. File number XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a letter from Capital One Auto Finance stating that I have to pay the full amount of XXXX are they will repose my vehicle. Earlier this year I called as well as emailed asking for an additional 6 months to pay for the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Delta Outsource Group, Inc.
State: CA

Complaint narrative:
A collection agency contacted me regarding a XXXX credit card account. I agreed to pay a less amount to settle the debt. But the original creditors collection agency are still charging me but for a smaller amount. The debt was not settled or delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had purchased a copy of my credit report about 3 months ago and noticed an account from a company by name of capital one that did not belong to me. I immediately contacted the credit bureaus and notified them and had done ftc report and did an identity theft. as of this date capital one has not done anything to resolve my issue, that 's why I am here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have had unauthorized account debits from a rental car company, XXXX located at XXXX XXXX XXXX, which is now over {$800.00} when my confirmed quote was for {$51.00} total. I have just had XXXX XXXX, and am being robbed by not only the rental car company, but also the credit card issuer Capital One, as they are of no help whatsoever. I would like to file a formal complaint against XXXX, and now Capital One, as what is happening to me is illegal. infact Capital One just argued with me to no limit, and I was assaulted over the phone by XXXX. Again I am recovering from neurosurgery at XXXX XXXX XXXX, and I am reporting credit card fraud, and failure to resolve credit card fraud. I am the consumer in the situation, and I see no other option than to contact the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I never applied for a capitol one credit card. The company began contacting and harrasing me about payment for something that I made clear that I never applied, accepted or received. I complained about fraudulent things.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On Monday I sent a email to the CEO of Capital One asking for a goodwill forgiveness on my auto loan for a late payments being reported to the credit bureaus since I had suffer a financial hardship for a short period. The next day I was contacted by a gentleman by the name of XXXX he was following up with my email he stated he would do everything in his power but would n't make any promises to get this taken care of. Well today i receive a call from a woman calling from a unknown number. i answered it she said she was calling from capital one doing a followup call on my request she then begins to state to me that they do n't have a goodwill program and that i basically need to deal with the late payments being on credit and continue to pay extra on my car loan every month. I just do n't understand if that was n't something they did n't do why would the first person give me false hopes?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11 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: Byrider Franchising, LLC
State: TX

Complaint narrative:
CNAC/XXXX is reporting negative collections on my credit report. This was a XXXX Byrider car that i got. The car broke down on us XXXX weeks after i got it from XXXX Byrider. They said i was responsible for all repairs. I told them that is unacceptable because the car was making a weird noise to begin with.They were suppose to look at it before i drove off and never did. So the car sat in the street at my house for a long time. I asked them to come take it back that i did n't want it no more. They waited and refused to get car. I told them there was a 30 day return policy and they refused to honor it. I was dumb and young at the time and just let it be. Now i know better and regret my choice. I should 've pushed them to follow their policy. They should n't be reporting it anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
Calling multiple time in a row then sending emails repeatedly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My XXXX XXXX account was purchased by Capital One and converted to a Capital One Rewards Card. The previous month before the transition occurred my interest charges were {$93.00}. The month following the transition to the Capital One Rewards Card was {$120.00}. I automatically thought that my interest rate had been increased during the transition without my knowledge. So, I called and the CSR and she told me the interest rate was unchanged and the only explanation she could give was there was an additional 3 days in the billing cycle. I still do n't understand how 3 additional days of interest accumulated to {$31.00} on a lesser balance then the month before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Hello, I purchased a vehicle in 2014, which I was over charged for the actual worth of the vehicle. As a result the trade in value is double what it should be and I am in the whole about XXXX. The warranty I purchased says tat i purchased the vehicle for XXXX, but I actually traded in my deceased dads car, and also put down XXXX in cash. I would like a refund in the amount of XXXX. There is also a lot of minor problems I have experienced that were not disclosed to be at the time of purchase like the sway bar being lose, and the fuel sensor being bad. Something is wrong with the contract which has basically charged me more for the SUV than it is worth. This complaint also involves the dealership located off or XXXX XXXX at the XXXX Dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
this account is fraudulent and needs to be removed after providing a copy of a police report and id theft affidavit that has been notarized there are XXXX accounts that are still showing

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 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: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I sent a fax to Credit Collection Services ( debt collector ) followed their instructions on their letter I received regarding the debt collection and did not receive anything back from them regarding the debt for two months and when I did it was just another collection bill. The amount does not add up to the accounting on the communication with the Minnesota Attorney General that the creditor sent them and we do not believe we owe anything. The accounting is impossible to make heads and tails of and they have left payments out. This is the second company the insurance company XXXX XXXX XXXX Minnesota has hired to collect the debt because the first backed out. After finding out that our Automobile/Renter 's insurance company did n't put insurance on a new vehicle we paid for with cash, wheelchair accessible van {$36000.00} and being told by the insurance company that we had made " Too Many Changes and it was our fault '' we went with the flow and had them get it changed, but looked for new insurance and canceled our insurance with them about 20 days later for a new company. They had made a transaction with our check card that was not authorized without our knowledge, etc. So, when we received an additional bill after leaving them, we disputed it. And, they sent it to collections. We disputed that and sent that to the Minnesota Attorney General 's Office and the first collection company decided after reading the communication to not be involved. About 6 months later we got this letter from the new debt collection agency and we faxed over a request for documentation to verify debt. Never received it. We know our rights and knew this was the first step in disputing the debt. Have not had any communication with the company since.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I signed up for secured credit card with initial deposit of XXXX XXXX and XXXX XXXX and had to move to new address before I receive the card. Now the CapitalOne team is asking for written address for change of address and dispatch to new address which would take atleast a month to arrive in form of utility bill etc. When I requested for cancellation of application and refund of deposit, I was told that check would be mailed to address on file ( which would be old address and no longer valid ) after XXXX billing cycles. When I requested for refund by ACH transfer, I was put on hold and disconnected after waiting for 50 minutes. When I called again, I was informed that my account has been closed and check would be mailed to old address

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS
State: TX

Complaint narrative:
I have sent LexisNexis every piece of information ( XXXX pages ) since 2013 to block and freeze my REPORTS! I was recently married as a result of the XXXX Courts historic ruling in XXXX XXXX XXXX and my last name changed. As a result they use that as a separate person despite sharing everything else! This is egregious as a victim of identity theft to have them do this type of bait and switch. Is it only against XXXX and XXXX individuals? Some animus toward us? Its the same social security number and address and there for the information should not be accessible to anyone! I repeat i have more then enough evidence that I sent them in XXXX to warrant the blocking of my information. Yet they get around because of a last name change of marital status. This is discriminatory

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a customer with Capitalone for over XXXX years. Today I called to try to lower my high % APR and they said they ca n't help me with this. I 've always made my payments on time and I have paid of my balance XXXX times this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Some one fraudulently signed my name to an apartment and did n't pay the rent .They went to court and even paid a payment of XXXX towards theXXXXXXXX I asked for proof of signature and he said he did n't have to show proof..I told them it was fraud and to delete it off my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from Credit Collections Service The funny thing i that they are collecting for nothingwhich was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all three credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have paid balance in full and it still shows Derogatory instead of paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I received my credit card bill and I have a credit on the account of XXXX. This bill is as of XX/XX/XXXX. I called USAA XXXX and asked that I receive a check in that amount. The first representative could not figure it out so I went a a person " XXXX '' on the " XXXX resolutions team ''. She pulled up that statement and agreed that I did indeed have this credit on the card. She said " other charges had come in '' and refused to process the check to me for {$71.00}. I indicated to her that this is a CREDIT CARD and that until my next bill date I am current on my account and that I am under no obligation to pay my bills in ADVANCE as this is a CREDIT CARD. I also informed her that she was in violation of the law and that I would be contacting you. 
She said " that is your right ''. Thus I am contacting you to have this check issued immediately for the {$71.00} and stop this practice and fine them for their flagrant violation of consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a credit card account with Capital One. In XXXX of this year my balance was {$240.00}. Now in XXXX the balance is {$820.00} This is impossible. I have not used this card in 6 mos.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I 'm in dispute with Capital One Auto Finance with my XXXX 2015 payment as being reported 30 days late to the credit reporting agencies. My car payments are due on the XXXX of every month. However, my XXXX payment is being reported as being received by Captal One on the XXXX of XXXX and they reported it as being over 30 days late. They 're telling me they have reviewed the details of my account and have determined that the subject information is being reported accurately. I agree my payment was 26 days late but does that contitute it being reported as 30 days past due?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Just finished my XXXX. Had to use a credit card to get through some rough financial patches. Was unable to make payments due to lack of income and trying to live on a student budget. Found out recently that a XXXX party has filed a collection lawsuit against me without my knowledge. Apparently this XXXX party ( XXXX XXXX, XXXX ) " bought '' my credit card debt ( still not sure how that works ) and is pursuing a lawsuit against me using the lawfirm of XXXX XXXX XXXX, in spite of failing to communicating with me in good faith. I have not even received a summons or any official, legal documentation. I recently received SEVERAL letters from random attorneys, which brought this lawsuit to my attention, none of which are associated with the lawfirm that is actually pursuing this lawsuit. I do n't understand how this is legal. I recently began a new job in my chosen field in regards to my degree, so I am now in a position to begin making monthly payments. However, this group of people has robbed me of the chance to make good on my debt and are now seeking to sidestep that good faith and take me to court. It is now my understanding that this has become a common business practice. This is n't right.

Company response to consumer: Closed with explanation