vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Opened Capital One Bank account in XXXX, 17 years ago. The last payment made on this account was made on XXXX/XXXX/XXXX, nearly 15 years ago. They continue to report this debt on my credit report even though it is way more than 7 years old, in fact it is twice that old. They appear to be doing this by re-aging the debt. The collection letters now come from " XXXX XXXX XXXX XXXX XXXX '' out of XXXX, XXXX. XXXX calls me daily, 7 days a week numerous times a day from numerous different numbers f ( XXXX from XXXX, XXXX from XXXX, XXXX, XXXX from XXXX XXXX XXXX. ) They even called me from the XXXX area ( a XXXX area code ) at XXXX at night on XXXX XXXX, XXXX. Is n't that against the law? The account # is ****************

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
the account was paid and has a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 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: MN

Complaint narrative:
Credit Collections Services continue to contact me via phone and mail for a debt that I do n't owe. The debt is a fraudulent debt. I sent Credit Collections Services a police report and a letter informing them the debt is fraudulent and do n't belong to me and I am a victim of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I do not get paid until of each month. Beginning last month, I called Capital One and ask if there was any way that they could assist me in a payment plan, The answer was no there is nothing they can do to help me. Now I have a car financed with Capital One in which I owe about XXXX more payments until it is paid in full. Because of the lack of support that I have received as a result of paying this credit card makes me rethink my decision of ever getting a car financed or a credit card through CAPITAL ONE with the lack of support that I received. I was forced to close my accout

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Today on XXXX XXXX, 2016 I received a phone call at my work number from a representative of Capitol One Card. They are calling me because I have not made any payments on my Credit Card since XXXX 2016, and I informed them that I had turned the account over to a management company. They ask me if they were a credit counseling agency or a debt consolidation agency. My response is " they do both, and I do not wish to speak with you further because I contacted your office in XXXX to try and help me lower my payment or rate and you refused to do anything at all '' and they state " I am sorry about that but now that you are behind we have things that we can offer you, however if you are working with a debt consolidation company we absolutely do not work with them we do not consolidate our debts and we will hire an attorney to come after you if the debt goes into default and the consolidation company offers us a settlement which we will take and then have the attorney come after you for the rest of the money owed at which point your credit will be ruined. I am angry with this attitude. I was a loyal customer who paid on time, and I attempted to negotiate with each of my credit accounts when I realized that my income was being adjusted temporarily. They all refused to work with me in any way XXXX, Capital One, XXXX, and XXXX. Now that I have updated my contact information with the phone number of the XXXX XXXX XXXX management company everyone including XXXX is calling me at phone numbers that are not longer listed on my account. I want a letter of apology from XXXX XXXX for their unfriendly attitude with consolidation debt companies, and an acknowledgement that they will work with them on my account! Capital One can provide you with the date and time of conversations that I had with the credit representatives in XXXX where I tried to communication with them of upcoming financial burdens and they absolutely refused to offer anything prior to my credit becoming ruined. I believe I was being a responsible consumer, and XXXX showed prejudice and turned their backs and now are threatening me with intimidation simply because XXXX XXXX XXXX XXXX not offer them all they money they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
" Credit Collections '' at XXXX continues to call my numbers multiple times per week after I have written, submitted online requests and verbally informed them that the person they are attempting to collect a debt from XXXX my ex, XXXX XXXX XXXX moved out in 2010. I have informed them he can not be reached at my numbers XXXX XXXX, XXXX XXXX multiple times but they continue to call repeatedly. I.e. last Tuesday they called 5 times between XXXX and XXXX, then called twice on Friday afternoon while I was trying to work. I have zero responsibility for my ex 's debts and am tired of this company harassing me even after I gave them his new number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Capital One loan is for a recreational vehicle which we 've been making payments on for approximately 8 years. For all of those years, we have made a monthly payment of {$99.00}. The loan began as a fixed rate, but recently, in the past 6 months, additional fees have been added, we 're now told that the loan is variable rate. Every month for the past 5 months, we 've had to write or call customer service and get charges removed. We 've also been charged late fees when the payment was not late. We 've been told that the payment must be made BY A CERTAIN TIME on the due date or it 's considered late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have been making payments on my Capital One account from my bank account for approximately a year. Every now and then they do n't make my payment available in my my credit limit and they put a hold on my payment, even though it has cleared the bank. The randomness of this is frustrating. My last payment they once again put on hold, my wife, an authorized user, was informed when she called in to see why payment was not reflected in our available credit. Several days later she called in to check the balance and available credit and was directed to the fraud department. They indicated that they have put a restriction on my account because they need to verify that the bank we have been making payments out of for over a year, belongs to one of us. WHAT? They told my wike that I needed to call and get on the phone with them and my bank. While this sounds simple enough, my problem with this is how these credit card companies can get away with accusing us of fraud and keeping my payment on hold when the funds have already cleared my bank. The fact that they are treating us like we have done something wrong when we have been making payments on time out of the same account for over a year is not right. I have not called them because it is a matter of principal and I feel like they are using delay tactics and harassing us for no good reason. I would like them to release the hold on my account and to stop finding reasons to delay my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
XXXX XXXX. XXXX was informed of suspected fraud re my Capital One XXXX ( Visa Signature ) card. When fraud was confirmed, my card was deactivated and I was told its replacement was being sent " XXXX-Day Priority ( USPS ). 
XXXX XXXX. still no card even tho ' UISPS tracking site said " delivered '' ( to the wrong end XXXX! ). 
XXXX XXXX, no card. I called Cap. One and info 'd them re USPS " delivered ''. Their representative assured me it WOULD arrive " tomorrow or Friday at the latest ''. 
XXXX XXXX, no card. I spoke w/ a supervisor who was befuddled and connected me w/ his superior. She said the card was lost, they had canceled it and that they would send me ANOTHER ( XXXX ) card via USPS XXXX-Day Priority. 
IF I get the card this time, it will have been at least eleven days. 
Already some of my credit card auto-pay companies have been denied payment and my previously " excellent '' credit rating is in decline ( a VERY big issue since even XXXX ca n't get credit reports corrected and numbers restored ). Additionally, I can not do business online and I must carry large sums of cash to cover the daily expenses that had been covered by my Cap.One card. 
" What 's in YOUR wallet? '' the ads ask ; " NOTHING! '' is my reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Closed on home loan with Wells Fargo XXXX XXXX. Received notice from them late XXXX XXXX stating we owed XXXX in back escrow, and our payment was increasing XXXX/month if we can not pay the back tax and it posts before the XXXX XXXX payment. We asked about the calculation at closing ; the Wells representative was there, and said the payment amount was n't exact, but it was close, within {$100.00}. XXXX or so, so we signed the documents and closed, expecting a modest increase. 
Now we are forced to pay the above amount or have the loan amount increase considerably.

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 monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received email offer for a credit card with great cash-back benefits from Capital One Banking. I have a money market account with XXXX XXXX balance with this bank. After applying, I was denied the credit card for the reason that my income was too low. I want to know how and why Capital One banking can solicit and extend credit card deals to prequalified people and then deny that unsolicited offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Overdraft, savings or rewards features — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been issued a reward card which expired XX/XX/XXXX. Reward card was issued by Kohls for {$150.00}. 

Now they are not re-issuing the replacement card

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Capital One Credit Card and when I make a payment I notice that the money is taken from my checking account immediately. I made this payment on the on XXXX/XXXX/2015 and my checking account was debited for {$400.00} on XXXX/XXXX/2015. I contected my bank and they stated the funds were paid on the XXXX/XXXX/2015. I checked my credit card account on XXXX/XXXX/2015 and Capital One still has not credited my account even tough they wree paid three days ago. This is the XXXX time this have happened to me after I made a payment and payment was paid by my bank. I feel if they take a customer mone from their account knowing that its clear and hold it I should be paid. I contacted the credit card company via chat and they refused to release the hold stating it will be released on XXXX/XXXX/2015 even though they know the money is cleared. I think is is illegal for a company to hold an individuals money even though they have been paid and the funds cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I chose no overdraft on my account for a reason when I opened my account but Capital One allowed 2 transactions to go through my account and be paid that were over XXXX a piece on the same day when there was on XXXX dollars in my account instead of sending the payments back so that caused my account to be overdrawn and then on top of that Capital One charged me over XXXX NSF charges when they should not have paid those two checks. My issue is that the bank knowingly allowed these payments because the company who submitted the XXXX checks initially submitted a little over XXXX to the bank and they sent that back then the company split the payments into three checks and the bank accepted XXXX of them when there was not enough money to cover either of them at the time. So, I could n't bring my account current at that time due to other transactions coming out of my account so I paid it off slowly via my direct deposits from work and since it went over 30 days they charged off the account but did not close it because my direct deposits were still going to that account so I finally reached the payoff/charged off amount on XXXX and I am waiting on them to release my account back to full servicing but in the meanwhile, I wanted to send this complaint because had they not accepted those XXXX checks on the same day I would not have been charges so many fees and gone through this ordeal. If there is n't enough money in my account things should not be paid regardless of any other factors because that is for me to straighten out not for my bank to make that decision and then capitalize on it with all those fees. I believe Capital One did this on purpose because the XXXX check that the company submitted on the same day for around XXXX was sent back, all of them should have been sent back period due to the balance in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
When logging into my account, I found out it is restricted so that I can not use my credit card due to potential fraudulent activity. I was never called or emailed to be alerted to this possible fraudulent activity by my credit card company or to be told that my card was put in restricted status. Upon calling my credit card company, I was told I would have to provide my Social Security Card in addition to a bank statement or billing statement and my drivers license in order to remove the restriction. I do not feel comfortable sending this information via the internet even if it is through a so-called secure link or messaging system so I asked the company to close my account. I was told that my account could not be closed and that it will remain open in a restricted status until I provide my personal sensitive information including my social security card. The company would also not release the nature of the fraudulent activity on my account. I do not feel comfortable leaving this account open and do not feel comfortable providing copies of my social security card through the internet. I want this account CLOSED and am very frustrated that the company will not close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT COLL or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT COLL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One will not remove late payments the reported on my credit reports in violation of FCRA XXXX XXXX a ) ( XXXX ) ( G ) ( i ). I have disputed this account several time and they will not remove the late payments they reported to the XXXX CRA 's. The account was paid in full and asked them to remove the late payments because I never received any FCRA XXXX ( a ) ( XXXX ) ( G ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received my first statement from Capital One XXXX the day before they called me last week. The due date was XXXX XXXX, 2016. They made me pay XXXX because they said it was late. The due date was XXXX XXXX 2016. They were late mailing the statement out then. I paid the XXXX late fee but if I do n't receive a statement then how do I know it is late then? I can not read their minds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
My corporation dissolved in XXXX of 2013. I had XXXX credit cards that were issued to my corporation - I never signed personal guarantees. After I lost my business, I began receiving bills and collection notices for these XXXX revolving accounts. I asked these creditors to provide proof of my personal responsibility, and not as an XXXX corporation. After many months and years of correspondence, they still have not provided proof. I had my attorney correspond and we still received no evidence of my personal responsibility. I am a veteran and these old collection accounts are affecting my credit which is keeping me from lowering my interest rate with my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
In the course of getting approved for a credit card from Capital One, I reviewed my credit reports and discovered they had conducted a " hard inquiry '' on several of my credit reports multiple times without my express authorization. Fortunately, my XXXX report was frozen and not able to be accessed. However, my XXXX and XXXX reports were not, and now have a total of XXXX hard inquires from Capital One! This is ridiculous, and unnecessarily damages my otherwise excellent credit. I authorized only XXXX inquiry when I applied initially, not XXXX. As a result, while applying for another card I was denied. On the adverse action letter it stated the reason for denials was " too many recent inquiries '' ... unsurprising I suppose considering the damage Capital One recklessly incurred to my credit reports. This denial of my applications has had a tangible and negative effect on me ; I was counting on getting approved. I am hopeful the CFPB can assist me in getting this situation remedied ASAP.

Company response to consumer: Closed with explanation