vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To my surprise I received a collections letter in the mail dated XXXX XXXX, XXXX indicating that my account was past due. My records indicate my last auto loan payment with Capital One was on XXXX XXXX. Account due date is the XXXX of every month. I did not understand why I did not make the XXXX payment. I thought it was my oversight. I called Capital One on XXXX XXXX to become current and made the XXXX and XXXX payments {$310.00} for each month for a total of {$630.00}. I asked the customer service agent to check if I was getting paperless statements and she said yes. I was shocked because I do n't go paperless for this exact reason- I forget when the bills are due. She indicated " I '' switched to paperless on XXXX XXXX, XXXX. I told her I did not because the last time I went to pay was on XX/XX/XXXX. I only access my account once a month. I asked her to change my preferences to mail. I decided to check my e-mail and was surprised to find an unread XXXX XXXX e-mail from Capital One with the following headline : " Auto Finance statements are migrating to online only. '' It states, " we 're on a mission to deliver the best digital solutions for managing your finance account. As part of this journey, we 're moving to paperless-only statements for your account starting XXXX XXXX, XXXX. It explains how paperless statements work and then states " If you 'd like to continue to receive your auto finance statements in the mail, you can manage your statement preferences at any time. '' It provides a link. Well, Capital One changed my statement preferences without my consent and thought that e-mail notification was sufficient. Do n't you have to opt-in to go paperless? Did they forget my rights under the E-Sign Act? I never consented to the change and now my account is past due and probably being reported to the credit bureaus as delinquent. I can only imagine how this change has impacted thousands of other consumers who rely on their paper statement to make timely payments and Cap One is benefiting from the late fee revenue. I am writing to the CFPB to determine if Cap One has violated my rights under the E-Sign Act and if they have not to question the impact of this business practice because it is definitely not consumer friendly. Some consumers like paperless and some of us do not but it should be my decision not the bank. I 've been a customer since XX/XX/XXXX and always had my statements mailed per my choice and now they are going to remove that choice and the tell me if I want to go back to paper just change my preferences. Is this ridiculous or what. I am angry and amazed that management at Capital One would approve this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, 2015, I went on Capital One site to look at my balance and I saw that they charge a late fee of {$25.00} on XXXX XXXX, 2015 when my account was due XX/XX/XXXX. I forgot to pay my account but they assessed a late fee early. It 's a problem because I usually pay my account through XXXX XXXX and on time and I have been charge late fees when I paid the day it 's due. I 've called in the past about this and I was told that XXXX XXXX posted it late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I applied for a secured credit card through capital one XX/XX/2016 on XX/XX/XXXX-XX/XX/XXXX. As of XX/XX/XXXX I was told my card was mailed out through an email and when I called in the rep told me my card was mailed on XX/XX/XXXX. I was told many times to wait 6-10 business day after that period I still did n't receive a card and was frustrated due to the long wait. I called 3 more times and asked if they could over night or send another that I have to sign for and was told they could through XXXX rep which he then transferred me but then I was told they do n't do that. Supposedly they send a XXXX card and cancelled out the first and I waited again 2 more weeks and still not XXXX of the XXXX cards came. I called again and asked for the cards and the account to be cancelled completely and for my security deposit back which was {$200.00} that was taken from my checking account in XX/XX/XXXX XX/XX/XXXX ( it cleared ). The rep said he 'd cancel the overall account and I spoke to many managers and supervisors and here it is XXXX XXXX 2016 and I still have received neither of the cards they claim they sent or my security deposit check. I 'm worried because I 've read their reviews and it seems as though this may be common with capital one. I do not want to be ripped off for my money that I need and it 's mine to begin with. So if someone can please do something about this and stop companies from deceiving customers I 'd appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Called to complain about a fraudulent service I received. The credit company reimbursed my credit card and said they would look into my claim. 2 months later I seen on my statement that I was charged again for the original fraudulent amount. 
I called the credit card company and they told me that since they did n't receive a letter from me about my claim that they closed the dispute and charged me the full amount. I told them I never received the letter since I am retired and have been on vacation for 2 months. Capital One told me no problem, they would reopen the case and send me another letter. 6 weeks later I talk to the Capitol One and they tell me that they can not reopen my dispute!! Since I originally did n't mail them the letter ( that I never received ) they ca n't reopen the dispute. I said why did n't you tell me that 6 weeks ago!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Back in XXXX XXXX, I was laid off of work and could not afford to pay for my Capitol One student credit card. I discussed this with the bank, and they offered me no solution at the time. So I stop paying them. My credit card limit on this credit card was {$300.00}, and there was no way I could go over my limit except if late fees were stacked on it. In XXXX XXXX, Capitol One finally closed my student credit card and reported the credit bureaus that I owed them {$1500.00}. Today, Capitol One has a charge off on my credit report stating that I owe {$2200.00} total, which is 745.67 % over the limit! This is clearly a violation of the Credit CARD Act of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX Capital One charged of a debt of {$420000.00}. On XX/XX/XXXX I receive a letter from XXXX XXXX the debt is now owed to then for the amount of {$4200.00}. On XX/XX/XXXX I receive a letter in the amount of {$4300.00} that is owed to them. On XX/XX/XXXX I receive a letter from XXXX XXXX now I owe them {$4300.00}. A Greater balance of {$87.00}. On XX/XX/XXXX I receive a Summons and Complaint from XXXX thru XXXX County Court in the amount of {$4400.00}. XX/XX/XXXX I receive an Order To Appear before Commissioner, balance now is {$4700.00}. Now the balance is greater by {$460.00}. The next time I hear from XXXX in the form of a Garnishment Notice dated XX/XX/XXXX in the amount of {$7200.00}. Next is the Garnishment Notice to collect money on rent in which I was not even collecting for the amount of {$6700.00}. Another Garnishment Notice in the amount of {$6100.00}. Then another Garnishment Notice on XX/XX/XXXX in the amount of $ XXXX.Several letters and correspondence I receive regarding this debt have amounts that do not match. Leading me to believe they have significantly inflated this debt as to they see fit. On XX/XX/XXXX I file a complaint with your agency. A response letter fro XXXX states that as of XX/XX/XXXX the date of their letter the amount is $ XXXX.The Garnishment in XX/XX/XXXX states XXXX. A letter Capital One responds to you, dated XXXX that XXXX XXXX XXXX charging interest on this debt as of XX/XX/XXXX. You will clearly notice the interest is higher on each garnish notice to date. An e-mail between my Payroll and Benefits states as of XX/XX/XXXX XXXX tells them the amount is {$6100.00}. I have now paid {$3000.00}. Then on XX/XX/XXXX XXXX states the amount is {$5000.00}. To this date I have had garnished the amount of {$4600.00}. Then on XXXX/XXXX/XXXX I receive a phone call from a male regarding this debt. I am not able to discuss this matte since I am in the woods and do not have access to any paperwork. The male then becomes threating as to say it would be in your best interest to discuss and pay this debt. I have a lawyer who they need to go thru for any other contact then court documents, this law was broken. And also the threat. I believe they carried out the threat by serving me another Order To Appear to the Commissioner. This meeting was schedule in the furthest point of XXXX County WI. Making me drive the farthest as possible to inconvenience me. During the meeting they were by phone. They asked me questions they already knew and not once asked for the taxes, paystubs, or bank statements they requested. This was just to inconvenience me and charge me another {$100.00} for court proceedings. My wife was present who was not part of this debt they say I owe. They then harass her asking her questions about her job and wages threatening to come after her. They clearly can not do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for CAPITAL ONE AUTO FINANCE to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Statebridge Company
State: PA

Complaint narrative:
Please see case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There were charges made at XXXX stores using my credit card which I did not make. I do not make purchases for those amounts anywhere. I rarely shop at XXXX and when I do, I do it online. The fraud department for my credit has advised me to contact the police and file a report. The charges were made on a another credit card not the XXXX XXXX XXXX. Although I do own one I do n't use it. I have been in contact with Capital One which was the credit card that was used. They cancelled that card and gave me a new credit card number since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am trying to settle an old charged off account. I received a response from Capital One stating that if I removed the " cease and desist '' from my account that I could then be offered a settlement. I called Capital One today XXXX/XXXX/16 and asked that they remove the " Cease and desist '' from my account as instructed. I then read the letter to them and told them that I wanted to settle on my account and wanted to know what sort of settlement offer they had for me. They told me that because my account had been XXXX that they could not do a settlement. This is not fair, this is not what I was told in the letter from Capital One on XXXX/XXXX/16. I then tried to call the number for XXXX XXXX that was written in the letter, however that was an incorrect number. Who can I contact to settle this account? Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
paid an unauthorized/disputed charge to my XXXX account while still in arbitration

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I applied for a mortgage from Capital One. In early discussions I told the consultant that I was in the process of deciding if I should buy a house now and take a new position within the same company later in 2016 and wanted to know what I could qualify for at this time. I completed the loan application and was told by the consultant that she would not complete the application until after I had applied for, been offered and accepted the new position and had been in the position for 2 years. I did not receive an appropriate declination letter and I do not believe that I would have been declined with my income and my credit score. the consultant decided on her own that it would be better for me to apply when I had XXXX a year income rather than XXXX a year income. that way I could buy a larger house, take a larger loan and increase her commission on the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
They failed to verify the debt and did not provide the information that i requested from them, to verify that i actually owe what they say i owe. 

I clearly requested how the amount was calculated, a contract that i signed, copies of the billing statements from the original creditor, documentation that they own the alleged debt, or verification such as a contract between them and the original creditor that gives them authorization to collect the debt, a copy of there collection license and/or authority to collect in my state. 

All of the letters they sent me do not include any credible information and they are clearly ignoring my verification letters. They are sending me the same letter every time that does not state anything of value and is irrelevant to my letter. 

Copies of all letters sent and received are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: OK

Complaint narrative:
I repaired my credit in 2008 as it had incorrect information - wrong names, social security number, employment history, etc. Now, XXXX plus years later I have completed a loan application but can not complete the signing of the application because I can not answer the security questions. The loan firm is ( XXXX ) who uses ( XXXX ) who in turn uses the LexisNexis database. Apparently the credit agencies did not update LexisNexis with the proper information so I can not get the final approval for my loan. I now have a hard search on my credit for nothing due to the misinformation in the LexisNexis database.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Kohls.com account login was compromised, and my account was used to purchase a large item costing more than {$500.00}. I noticed the charge on my account due to a notification that my shopping account login email had been changed at XXXX XXXX. I attempted to contact the Kohls fraud department, but they were closed, so I called first thing in the morning at XXXX when their department opened. I spoke with one associate to mark this transaction as fraudulent, and called again to confirm with a different associate that the transaction had been marked correctly. However, several weeks later, the charge is still on my account and it seems I will be responsible for the fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
After making arrangements with other cards ; I went to the account that I hv filed regarding both Capital One cards ( XXXX ) with you already. I saw that Capital One has not responded yet. After calling them on XXXX XXXX, XXXX and speaking to XXXX ( Collections Manager in Virginia ) did not respond to allow my account to be charged off. Let me explain : I spoke to XXXX in the collections to set up payment arrangements and she documented my account and stated I can pay {$20.00} month starting on XXXX XXXX, XXXX via mail, bill pay, XXXX XXXX, or XXXX. I was transferred to XXXX ( Collections Manager ) to speak about why they have not responded on here. XXXX saw the notes on my account to set up a payment arrangement and he stated that if I did not pay {$25.00} in eights days ; the account will be charged off. I explained I already set up payment arrangements in this department with XXXX and he stated I am unable to wait until XXXX XXXX. I explained to him that I called Capital One starting in XXXX XXXX, I mailed a letter XXXX XXXX, XXXX and Capital One has yet to enroll me in a hardship program like I asked. I explained to him that I could mail {$20.00} preferably but I can mail {$25.00} on XXXX XXXX, XXXX. XXXX stated my payment wo n't make it in time and the account will be charged off. I am requesting your department to investigate Capital One for purposely not enrolling me in a hardship program ( which would have allowed me to make low montly payments, prevented my account from being charged off, and I would have been on a regular monthly payment plan to pay off my cards ) I am also requesting that your office investigate Capital One for not responding to my original complaint ( Case number : XXXX ) so that my account can go in charge off status to lower my credit score. Capital One did this out of retaliation because I filed with you. They should not be allowed to prevent any consumer to make payment arrangements under hardship reasons ( I would qualify ) especially when I called before it was delinquent. When I called Capital One ; I was less than 2 months late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 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: FL

Complaint narrative:
I became a victim of ID theft in 2012 when my Identity was compromised. I believe that XXXX ore more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX continues to report account number XXXX as a collection/charge off on all XXXX credit reporting agenciesXXXX XXXX XXXXthis account was included in bankruptcy filed XXXX and they were listed as a creditor on schedule f of the bankruptcy petition filed XXXX. this account should be reported with a XXXX balance and included in chapter XXXX bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 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: Kimball, Tirey & St. John LLP
State: AZ

Complaint narrative:
Kimball , Tirey & St. John LLP representing XXXX properties. First, have not removed the civil judgement from my credit report. Second, the reason JKW did not except my money at the court proceedings was because they wanted me out for reporting them to housing authorities. Third, it has been over seven years. Furthermore, after reporting them they had the pipes in the build replaced due to the poor quality of water being dispensed. At the court proceeds I had the money and they did not want to take it. I can not believe that a legal firm would ethically represent such a reprehensible firm like XXXX properties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
This debt was thrown out of court, XXXX had this debt for XXXX credit cards and what they did was combined the XXXX together and brought me to court. Judge threw out the case due to improper documents, the bottom line was i had XXXX insurance on this debt and the debtor being chase visa household financial did n't honor my XXXX insurance after i gave them all the documents required they sold debt to XXXX when the credit card company should have honored my XXXX that shown documents that i paid {$4.00} a month foe insurance on XXXX them accounts. So XXXX had XXXX debts sold to them and they combined together in court was dismissed but XXXX still shows XXXX of the XXXX debts

Company response to consumer: Closed
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I have never been contacted by this company and they appear on my credit report with me being able to dispute the debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation