vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I applied for a mortgage refinance with Capital One Home Loans on XXXX XXXX, 2016. The agent I worked with is XXXX XXXX ( XXXX XXXX ) and XXXX XXXX. I provided the documents they initially requested and sent my details and they ran my credit. We agreed that if I cancel my application after I accept their offer my Capital One credit card will be charged {$450.00} but if they decide to cancel it will be at no cost to me. While performing their title search they requested additional information regarding the mortgage of previous owners of the property ( the XXXX owner before me ). For this information I had to reach out to the lawyer who had helped me when the property was transferred to me. They also requested a copy of the lease agreement which I explained to XXXX XXXX I would have to reach out to the person managing the property on my behalf and there would be a delay before I can provide the information required for the title and lease agreement. 

I received a voicemail from XXXX XXXX on XXXX XXXX requesting that I send the lease agreement to XXXX within 24 hours, as well as, provide an update on the title, otherwise they would cancel my loan. I sent documentation I had received from my lawyer regarding the title on the same day ( XXXX XXXX ) and forwarded the lease agreement as soon as I received it on XXXX XXXX ( within 24 hours ). 

I called their appraiser to schedule an appraisal for the property as planned but found out from the appraiser that my loan had been cancelled. I checked my account and found that I had been charged {$450.00}. Neither XXXX or XXXX sent an email or called to let me know the loan had been cancelled and I would be charged {$450.00}. Subsequently I sent emails to XXXX and XXXX to get an explanation but did not get a response. I also sent emails to XXXX 's manager, XXXX XXXX but did not get a response. I called and left voicemails but still did not get any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received a call from XXXX from capital one. I returned the call and he explained to me that there might be options available for my account I explained to him I was already told that there was n't and he insisted that I be transferred over because there was options available he also left that message on my voicemail. He was not polite when I asked him about the issue and refused to give me the address to the legal department so I could send in a writ and summons from XXXX court. The court requires that the address is verified by the defendant. Also I asked him if the supervisor could give it to me and he replied there is n't any supervisor. He accused me of not cooperating with the representative XXXX after she asked me XXXX question and I answered it and she asked me the questions again which was what caused you to fall behind and I told her I was sick he accused me of not answering financial questions when she never asked. I told him if I was n't given a legal correspondence address I would file a complaint with the CFPB XXXX XXXX encouraged it and said he 'll address it when he receives it. XXXX is not trying to resolve issues with customers. If this matter is n't settled capital one will be sued for each and every call of harassment from the company. XXXX said that capital one calls when you fall behind and sends text messages. The was n't any prior authorization to text and also they called repeatedly several times a day back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
OK ... .SOMEBODY USED MY MIDDLE NAME AND FORMER MARRIED NAME TO OPEN A XXXX ACCOUNT AT AN ADDRESS I NEVER RESIDED AT. I DO NOT KNOW WHO DID THIS ... HOWEVER, THIS NEEDS TO BE REMOVED FROM ALL OF MY CREDIT BUREAUS ... .I SPOKE WITH THE DEBT COLLECTORS YESTERDAY AND THEY CLAIMED THAT THE DEBT WAS CLOSED AS OF XXXX XXXX, 2016 ... ..HOWEVER, IT IS SHOWING UP ON MY XXXX REPORT! XXXX!!! I DO NOT BELIEVE THEM, EVEN THOUGH THEY DOUBLE CHECKED!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This collection agencies calls me throughout the day at my home and on my cell phone. I know that I owe Capital One and I am making every afford to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I currently have a credit card account with Capital One, and the have increased my APR to a whopping XXXX!! This practice is another example of a finance company running amock with corporate greed and consumer fraud. Capital One claims they offer competitive rates. Not so, because XXXX only charges me an APR rate of only 9.99 %! Hence, the are guilty of false advertising and other unethical business practices. Recently, I filled out an extremely negative customer survey report. XXXX, from Marketing and Research, called me while I was taking my car to a body shop for a damaged car estimate. She hounded me for my personal feedback. Should this be considered a reasonable business practice? I think not. 
Therefore this constitutes both an invasion of privacy and harassment! XXXX, from customer service, did not have my consent to call me and challenge my right to free speech. 
Finally, Capital One must also be held accountable for poor business practices, customer service incompetence, and the scheme of assigning false identities to their customer service reps in the XXXX. On every occasion whenever they have answered my customer service calls, they have referred to themselves as either XXXX, XXXX, or XXXX. I believe this criterion represents identity theft, which falls within the guidelines of consumer fraud. Also, whenever I have requested that each of my calls be transferred to someone in the United States, the outsourced representative has either hung up on me or has simply dispatched my call to an automated dumping ground, which usually results in my call being terminated. Can one of their corporate executives please justify this practice?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX purchased a prepaid credit card in XXXX of 2009 for {$300.00} with Orchard bank. The bank increased the credit line to {$750.00} without my requesting the increase. I did not send additional funds to increase the limit. Within a short time the card or bank was sold to Capital One. I no longer need a prepaid credit line as my credit is ok. 

I called Capital One and wanted to close the account and have my {$300.00} refunded to me. Capital One says that the card came from Orchard bank to them without any secured portion on it. 
Capital One gave me numbers at Orchard to call but the numbers revert back to Capital One. 

I can give you my Capital One Credit Card number if it is needed but I am reluctant to do so due to security issues. 

I do not know what agency that I should contact to get my prepaid amount refunded. 

Sincerely, ABPPS It is easiest to reach me by text at the above number. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My wife has a shopping addiction. She has run up credit cards in my name. Ones that I did n't know I had. The worst is capital one. I took {$10000.00} dollars out of my 401 so I could settle that dept. then I find another for {$5000.00}. They stop credit on that card but still send us applications for new cards. I feel they target people like my wife and it reall XXXX Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 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 XX/XX/XXXX, XX/XX/XXXX and 30 days past due as of XX/XX/XXXX, XX/XX/XXXX 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 explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are XXXX Capital one credit card accounts listed which I never had XXXX, my father whom past away XX/XX/XXXX had the same name as me and I had a business that was closed in XX/XX/XXXX I do recall XXXX account which was a business debt NOT personal. I need some assistance requested verification and validation nothing received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have a Kohl 's department store credit card. Heretofore, I received printed statements by mail. I received a " friendly reminder '' email from Kohl 's stating that my account was overdue. Upon calling Kohl 's customer service I was told that my account was designated as " paper free, '' that I had been sent XXXX electronic statements and my account was 40+ days overdue -- I had not received any Kohl 's statements by any means, printed via U.S. mail NOR electronic resulting in Kohl 's charging a {$25.00} late fee plus {$5.00} interest. I performed an email search and found no Kohl 's email re. an electronic statement. -- My first phone call to Kohl 's customer service was less than helpful where the rep. insinuated that I was lying on all counts. My 2nd phone call to Kohl 's customer service resulted in a reversal / removal / credit back of the {$25.00} late fee. Negligence by Kohl 's to issue electronic statements to consumers result in consumers ' failing to make timely payments, resulting in a company 's realizing unjust interest and late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
About 18 months or maybe a little longer Capital Once Credit Card informed me my account was restricted from further use. I have been in XXXX for last 4 years. I placed some employees on my card as authorized users. They wanted me to send copies of each authorized user 's driver license and social security card. I sent in that information via fax more then one occasion. After going back and forth trying to talk with the person who was authorized named XXXX. Who was the only one that could talk to me about my account and was never available when I called several times. I have asked several times to have my account closed. I have paid off these cards and do not use them. Instead I now have charges from the annual fee they charged me although I am unable to charge anything on these cards ; I find it very convenient they allow only their charges to be placed on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear CFPB Representative, I want to dispute information on my credit report previously disputed with XXXX, but I was not able to get any information regarding where the accounts came from, why were the accounts in question in my credit report, and why the bank did not do enough to produce concrete information regarding the accounts in question. The XXXX dispute resulted in nothing more than the same and nothing was sent to me personally addressing any findings. The company I am disputing information with is CAPITAL ONE. This company has put on my credit report the following accounts XXXX and XXXX, there are Xs on these accounts as the XXXX last digits of each account is hidden. I previously called a CAPITAL ONE specialist regarding this issue and he informed that there was nothing to worry about, but the accounts were never taken off my credit report and it is extremely affecting my credit report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I am upset with Capital One credit card company regarding my account. They are charging me outrageous interest charges. They are charging unlawful service charges. I am really upset because they believed a casino ATM withdrawals that I was charges and they believed the casino and not my complaint I never got the ATM money the machines were are the blink and the managers of the casino told me they were having problems. You will see all the money from the XXXX XXXX on my statement. Also you can see all the charges that I have been charges in interest charges and other illegal service charges. I also am complaining that the balance should be made XXXX balance as I never asked for a credit line increase the company just added it to my account. I feel this is illegal because they did it so they could get more money from me and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
We purchased a car from JD Byrider / CNAC XXXX from them. My husband had a major XXXX over 100 miles from home. I stayed in contact with XXXX, our collections account manager, she was aware and we verbally agreed that I would be able to make all past due payments upon return to XXXX. 3 days later, I got a phone call from XXXX XXXX XXXX " XXXX '' XXXX demanding payment that instant or she was issuing the reposseion order for the car. I informed her of my conversation with XXXX, and she told me that it was n't her problem and told me I had until close of day to have payment in their office. She would n't listen to myself nor her employee when she told her the same thing. Finally, they repossessed the car. I never received a notice of intent for the vehicle nor any communication on how to retrieve my belongings, including my drivers license, insurance documents, nothing. I tried calling and it was always " She was n't in '' when they asked my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Unlawfully foreclosed on during a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One is reporting my business credit card as being 30 days past due to the Credit Bureaus for a mistake made after I closed a personal credit card account held with them which was paid off. Evidence shows that I was enrolled in their Auto-pay system to avoid late payments. My Auto-pay profile was cancelled by Capital One for the wrong account which caused my account to go past 30 days and evidence shows my payments were being made on-time until the mistake was made but they are refusing to correct their mistake. There was no reason for me to personally cancel my Auto-pay profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
i was sent a letter from fair collecting outsorcing in an amount was outrageous I asked for an accounting of the amount owned to see how it could be that much. I was told to be patient to wait a few weeks that they would get it for me. I then contacted my lawyer who sent a letter to the credit reporting agancy to dispute the debt. The last inquire I sent to XXXX was that they did not have the accounting history available it has been over XXXX days since the inquiry with XXXX and XXXX by law XXXX days it is to be taken off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a victim of identity theft and I have advised the company the account was opened by the person that stole my identity. After several attempts of disputing this with the credit bureaus and contacting them directly they still say I am the one that opened the account which is completely false. I have requested copies of all documentation on the account and they have failed to provide this information. I am currently working with a lawyer to resolve this issue as well. I just need to clear my name from this company.

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

Complaint narrative:
I opened a secured credit card with Capital One which required an initial deposit of {$49.00}. Several months have now passed, and I have established credit with them ( my credit line was increased to {$500.00} on the secured card and I was since approved for a second Capital One card with a newly-increased credit limit of {$3000.00} ). I contacted Capital One today to find out about getting my deposit of {$49.00} refunded on the secured credit card. They said the only way to get it refunded is to CLOSE the account! Here is the link where people sign up and it clearly says your deposit is REFUNDABLE based upon credit worthiness. I 've clearly proven my credit worthiness, as they have increased my credit line on XXXX separate accounts substantially. I was told today by a Supervisor at Capital One that the only way to get the initial {$49.00} deposit refunded is to CLOSE THE ACCOUNT. Nowhere in the application process/selling of this product does it say you 'd have to close the account to get the deposit back. Here 's the link to the website where it clearly advertises that your deposit is REFUNDABLE : XXXX Here 's what it says : " Security Deposit and Credit Line {$49.00}, {$99.00} or {$200.00} refundable minimum security deposit, based on creditworthiness. Minimum required security deposit gets you a {$200.00} initial line. Deposit more than the minimum required security deposit before your account opens to get a higher initial credit line, up to {$3000.00}. '' I believe Capital One 's failure to clearly disclose this requirement of requiring a person to close the account ( honestly, why in the world would we? ) to get the deposit back is fraudulent. I would like to receive a refund of my {$49.00} deposit WITHOUT closing the account, and I would like disciplinary action to be taken against Capital One for this clearly fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ballybunion Enterprises, Inc
State: SC

Complaint narrative:
I originally took out a small loan of {$6500.00} from Military Credit Services ( MCS ) in XXXX XXXX. I was making payments through an allotment. In XXXX XXXX, they switched my loan provider from MCS to Freedom Stores without informing me. When I noticed this, I stopped all payments and requested that they send monthly statements to the address I provided them. They refused, and gave me online access to their website. I attempted this and resumed my payments. I logged on two months later and noticed no change in my account balance. I called Freedom Stores and informed them I would stop submitting payments until they mailed me a copy of my contract and send me monthly statements in order to keep track of my loan progress. They refused to send me statements, transferred me multiple times to different operators, and threatened legal action if I did not pay. They constantly call me and attempt to harass me into paying with the same conversation playing out. " Please send me statements and a copy of the contract '', transferred multiple times and than told no and they have called my XXXX multiple times. I have attempted to work with them and have submitted a few payments in an attempt to gain some ground and receive what I need, but I have never received a monthly statement or seen any visible evidence that my loan is decreasing. The last payment I made was on XXXX XXXX. The loan is now over 180 days past due

Company response to consumer: Closed with explanation