vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XXXX XXXX I tried to log into my Capital One Credit Card Online Banking, I could n't because the system told me it was blocked. 
When I called the customer service department, one representative told me : My account has been closed because was market as fraud from the XXXX credit bureau, upon a dispute that I 've filled up for a late payment that still was showing up in my credit report since XXXX 2015, after a year ago when I was making all my payments on time. 
They told me I have to call them ( XXXX ) so they can send them ( Capital one ) a letter so they can open my account once again. 
I called XXXX and they told me I have to call Capital One once again because they have nothing to do with that. I have to get in contact with XXXX operators and XXXX managers at Capital One, XXXX operators and XXXX managers at XXXX, plus the uncomfortable waiting time ( Approximated 10 minutes for each person ) And NO ONE, NOBODY could give me a reasonable answer of WHY they 've closed my account? 
From : You have to contact the credit bureau, we ca n't give you an answer, you have to contact them and then we 'll see if we can re-open it, sir I have told you 4 times I CAN NOT GIVE YOU AN ANSWER to the phone hanging up at Capital One twice. 
I had such an awful night, without mention that that night I need it to send some money to my mother in XXXX XXXX and the only way I could do it was with my credit card. In top of everything, without any explanation they shut down my credit score to XXXX, when I was paying my credit card on time since XX/XX/2015 to fix my credit score. 
So, because I could n't have an answer, a letter, a message, or a simple justification from Capital One, nor from XXXX I only can ask to my self something .... Did they closed my account because I was paying on time and they was n't making any money out of me? Did they closed my account because I was paying some collection bills to fix my credit with the same credit card I was as well paying on time, every 15 days? 
I wish someone could give me an answer, because at the end of the day, the results of building and fixing my credit score, turns into a nightmare for me and I totally get the opposite results, because now I do n't have credit and I have to start all over again thanks to Capital One and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
They call with automated message that says : " if you are ____ please stay on the line and we will discuss a debt, if you are not ____, please hang up now and we will know that you are not ____. '' I called them and told them we are not the person they are looking for. I asked them how could I respond to an automated message when it was left on my message machine. XXXX said he was not aware the his company did that. The issue : if a live person was on the line, it would have taken 60 seconds to verify that _____ was not the person they were attempting to contact. But because I HAD TO CALL THEM TO STOP THE MESSAGES, that took my time to resolve their issue. I brought this up with XXXX and he hung up on me. I consider this business tactic harassment. They are " fishing '' without having to pay someone to call. Using an automated system that requires the contact to call them back is harassment. These calls continue until I call them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
The collection has been paid in full. I was sent a " settlement notice '' via mail and paid it in full. On my credit report it reflects open and also with an incorrect ( the original collection amount. )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a positive account and the credit card company is not reporting it to the other XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received an email about a CD maturity on XXXX/XXXX/15. I moved out of state. I called on XXXX/XXXX/15 to put in an order to redeem the CD. The rep said he would note the account and it would auto-redeem. I called on XXXX/XXXX/15 to confirm. Rep said no, there are no notes on account and it will not auto redeem. Because I do not have a checking account I need to call back in 15 minutes to talk to CD department. I called back - that rep said no, I need to call back in 45 minutes to talk to the branch. I asked for a supervisor. He told me I needed to make my XXXX call about this CD and call the branch. I asked for his supervisor. He said he could have a department call me back within 3 days. I asked to speak to his supervisor again or XXXX XXXX 's office ... he put me on hold ( for an eternity ) and came back on the line to inform me that someone could call me back today. I am XXXX phone calls into a simple CD redemption and still do not have confirmation the CD will be redeemed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Jim Bottin Enterprises, Inc
State: GA

Complaint narrative:
This creditor ABC Financial Services , Inc., are charging late and service fees and did not disclose the same on the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have XXXX unsecured credit card accounts with Capital One Bank. In XXXX 2015, I applied for a credit limit increase and was denied for arbitrary and unfair reasons. The explanation given was the following : ( 1 ) Too many missed payments on other monthly accounts. 
First, I do not have ANY missed payments or collection accounts reporting on either of my credit reports. Secondly, and to justify the denial, Capital One Bank stated that my credit utilization rate was too high. My credit utilization rate may be higher than 30 percent, however this has nothing to do with my ability to repay my accounts on time each month. 
As a matter of practice, credit card issuers make their money off credit account holders such as myself ; That is those who routinely carry a balance. Therefore, the reasons for denying the credit limit increase have nothing to do with my ability to pay my bill on time. Also, the request was made almost 6 months ago and I currently have a higher credit score than I did at that time, however still am not eligible for a higher credit limit. 
I also believe that due to the number of CFPB complaints made against Capital One Bank, I am being denied credit with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Hello, I 've made repeated attempts to contact Capital One regarding the overbearing amount charged in interest on my credit card. It is currently at 24.99 %. So, if I make a monthly payment of {$200.00}, the amount of interest charged is {$100.00}. I 've asked, both on the phone and in writing, to have my interest lowered as Capital One is contributing to the balance owed. They said it could n't be done. I 've asked for supervisors to speak to. They 've told me that they ca n't " just go and lower the interest because I ask ''. It does n't follow their protocol. I 've also asked for a detailed analysis of the account as to what old balances are remaining compared to new, assuming that when a payment is made, it 's applied to the oldest balance first, XXXX. I believe that the customer service folks at Capital One have no idea what XXXX is, as they would go back to the previous statement and see if there were product charges, then the next, and the next, which is not what I 'm asking for. I 'm looking for a report showing where and how my monthly payments are being applied, of whatever remains after they snatch interest away. 
This appears to me to be legalized loansharking, and someone needs to put a stop to this. Their idea of a late payment is XXXX made on the day which the payment is due after XXXX XXXX. Is n't the payment, by law, supposed to be processed on the date it 's made? They ca n't " update their system '' after XXXX on weekdays?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
While I was working part-time between XX/XX/XXXX and XX/XX/XXXX, I began receiving numerous credit card offers from Capital One. Even though Capital One knew I was struggling financially at the time, they continued to mail offers. Obviously I was unable to pay them at the time ; however, when I began working full-time, I contacted Capital One to settle all of my accounts. I was assured this would not negatively affect my credit reports and scores. I am in the process of trying to get pre-approved for a mortgage and during that process realized Capital One in fact has reported all of these accounts as negative items on my reports. I have attempted to have these items removed by disputing through the credit bureaus with no luck. I find that it is poor practice on Capital One 's part to prey on those who are struggling and introduce them to a cycle of debt. While they are still reporting these items as negative on my credit reports, they continue to mail credit card offers to me. They clearly do not care about the consumer. It is not fair that they are allowed to report negative items on my credit report yet they continue to send me credit card offers multiple times. I ask that Capital One delete all of the negative items with all XXXX credit reporting bureaus ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One Bank keeps reporting to the credit agency of an account that they took over from XXXX companies Orchard Bank and HBSC which at one time I had accounts. these are very old over 15yrs old had diputed them off my accounts and never put back on until Capital One Bank now keeps putting this account on my report I have called numerous of times They would respond okay our mistake it would be removed but they would again and again report Please have them remove this account I had XXXX credit companies help me XXXX XXXX and Credit resolutions it would be remove but back on after a few months. I would greatly appreciate any assitence you could give. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Worldwide Processing Group, LLC
State: CA

Complaint narrative:
recieved phone calls to my cell and job i called the number back they gave me the name of thier company said they were a pre trail company trying to collect a debt i asked which company he first said XXXX access processing then said thier was XXXX i asked for verifaction of all original i recieved an email giving me XXXX companies XXXX of which i knew and had paid back already about XXXX XXXX yrs ago the other i did not know then he started saying different companie names and i told them they were already paid except XXXX again i didnt reconize he said he couldnt do further looking unless i agreed to pay i told him unless i recieved something showing prove that this debt was owed i wasnt going to agree to something he said well i will have to try and see but i am not making any promises that they will not proceed and you be arrested and hung up they have also been harrashing me at my job on my job phone number even told my co worker about this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called Capital One credit card to change my billing date. This is not the first time, I have attempted to have my Capital One credit cards due on the same date. The last time I was informed because I just made a payment ; I had to wait till next billing cycle. Today I called again, and the young lady was a little witch on the phone, she was argumentative and obnoxious on the telephone. She kept placing me on hold and saying " thank you for your patience, please continue to hold ''. She informed me because I moved { in XX/XX/XXXX ( It 's XX/XX/XXXX ) } I can not change my billing date, REASON - because I changed my mailing address. She said because I changed my zip code my payments would show late and my late payments would be reported to the credit bureaus. I am not late, never have been late, and a payment is not due. She was threatening, my pristine credit is important - I have never been late on these cards, that is not professional - who am I doing business with? After 23 minutes on hold I hung up. I am paying these XXXX credit cards off and WILL MOST LIKELY END MY RELATIONSHIP WITH Capital ONE and never be a customer again. Very annoyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX, a customer made a deposit into our Capital One business checking account. Subsequent to making the deposit, she contacted the Capital One fraud department and claimed that she had fallen prey to a " work-from-home '' scam. Capital One has put a freeze on the account and is effectively holding over {$50000.00} of our small business ' operating capital. Despite the fact that we have provided Capital One with the receipt and documentation explaining this woman was fully aware of her purchase, It 's been ten days and I have not heard from the case manager who is supposedly handling the matter. I 've made six attempts at contacting the case manager and spoken with various employees in the fraud department and I have not heard anything back. In summary, they 're holding a large portion of our operating capital ( which is crippling our business ) and despite our total cooperation, refuse to return any calls or give us any type of timeline on when our funds will be returned to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Loan modification documents were signed & XXXX on XXXX/XXXX/XXXX and Nationstar has failed to report the HAMP Tier 2 loan modification to the Treasury as of XXXX/XXXX/XXXX. MHA ( Making Homes Affordable ) Escalation Team has been contacted. Nationstar continues to request extensions. As of today, it has been 7-months since signiture. They state they are unable to upload documents. I feel this could be in retaliation for reporting them to HUD for failure to accommodate a person with a XXXX. Nationstar is aware this is delaying the finalization of 2MP ( XXXX Lien Modification ) paperwork with another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Debt claims I owe {$110.00} since XX/XX/XXXX. Seeing as though I was working in XXXX, it ca n't be authentic. Last reported in XX/XX/XXXX to the credit agencies. 

I already wrote to this company with no response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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: NY

Complaint narrative:
It is ridiculous that there are only XXXX ATM machines at this location yet XXXX of them is ALWAYS out of service & this location has a very large population of patrons therefore causing the lines to wrap around the street which is also dangerous as this area is very busy with traffic. I waited in line to use the ATM 30-45 minutes which is UNACCEPTABLE! Something must be done about this issue or I will take my business/money out of capital one bank & bank elsewhere. 

XXXX XXXX XXXX , NY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 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: VA

Complaint narrative:
XXXX and XXXX after court date and again in XX/XX/XXXX. Iexplain to rep that I could not payment a large payment they was requesting and was advised to make good faith paymrents would prevent further action. my hours were cut and I am struggling to work due to health issues along with I am caregiver for my mother. I was n't able to send anything for a 3 months and I sent XXXX pymt in XX/XX/XXXX. I have sent several letters to them over the past year asking for reduced payment arrangement and proof of balance. No one can provide detail of where this balance contained. I feel being served a wage garnishment in the mail and I called again today and told they ca n't set up payment arrangement for less than {$63.00} a month. If I had an extra {$63.00} I would be paying that. I am working approximately XXXX hours a week at XXXX an hour and odd jobs and i have sold numerous items. I have n't ran from them and they refuse to work with me instead taking legal action forcing me to be stressed out and feeling threatened. If they do take money from my checking or pay check it will cause my mother and I to go without medicines and food and no transportation for doctors appts or the few hours I am allowed to work. I owe the IRS, VA Taxation, Student Loans, Rent, car payment I am getting ready to lose, car insurance, etc etc. I have asmall craft business but I do n't have the funds to even by fabric to resell or pay for my XX/XX/XXXX license. I feel I will be forced into BK and I ca n't afford that either. I have XXXX dollars in a checking account and another overdrafted I am trying to pay before the IRS comes after me. I am the caregiver for my mother and the little funds I make mostly go to food and medicines. Can someone please ask them to work with me? I ca n't handle the pressure of them not working with me. I owe the debt I do beleive the amount is wrong from the beginning but no one will help me and I want to pay this as bad as they want me to. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I applied for a rental home from XXXX XXXX XXXX. I was contacted by XXXX and she said that she would not rent to me because of my non-employment status and she did not consider my lawful verifiable source income to be reliable. I disputed the credit check charge with Capital One and on XXXX XXXX sent my complete application with my personal and private information to Capital One to reapply this charge. I meet all the requirements in order to be approved and XXXX XXXX XXXX discriminated against me as defined by fair housing act of XX/XX/XXXX. Capital One will reapply the charge within XXXX billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital One ( XXXX ) called my cell phone and home phone several times since XXXX XXXX, 2016 looking for a relative with a credit card situation. I do not and have not done business with Capital One and want the calls stopped. I consider this to be harassment. My home phone and cell phone are unlisted numbers but Capital One acquired my information. 
Caller name : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In a nutshell ... Lets ' say I have XXXX in the bank and the bank has automatic draft coverage ( requested this to be removed ). There is a charge for XXXX and another charge for XXXX. Capital One will let the XXXX charge come and then the XXXX. By having the charges come out this way, Capital One has doubled its fee. Instead of XXXX, I am getting hit with XXXX. If Capital One tool the XXXX then the XXXX, it would be only once. They are engineering the process for their benefit. It is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
This matter involves credit card debt with Capital One Bank which was referred to XXXX XXXX for collections. Capital One Bank had my correct address as bills were sent monthly to me. Once this was referred to XXXX XXXX they used an old address where I have not resided for years. When this was sent to the old address it was opened by the occupant at that address who in turned contacted me about the letter, debt and what it was about. This resulted in great embarrassment and XXXX. There was no reason for this to happen and I believe that corrective actions need to be taken, including fines and damages.

Company response to consumer: Closed with explanation