vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2016 I was billed XXXX in error. I disputed the charge with Capital One. Capital One initially credit me back and said they would investigate. One XX/XX/2016 Capital One re-billed me the charge they initially credited. XX/XX/2016 I started receiving harassing calls to pay a for all the finance charges and late fees that they tacked on because of re-bill. I contacted Capital One and I was told that they did not investigate the dispute that was originally filed. I was told they would credit my account back for the late fees. finance charges, and accrued since the initial disputed that had been filed in XX/XX/XXXX. The there was a total of {$170.00} that was suppose to be credited back to my account because of their error and failure to dispute. In return, Capital One closed my credit card, falsely reported inaccurate information to XXXX, XXXX, XXXX in regards to my account being past due, charged off and delinquent. They violated my consumer rights under the FCRA. They also took my {$200.00} deposit that was used to secure the card since it was a secured credit card. They refuse to return it or either credit the deposit towards another card. They have failed to provide adequate resolution that has been detrimental to my credit and have defamed my person as to report false information to the credit bureaus. They have called and repeatedly threatened illegal legal action against me. I am wanting adequate response and resolution as this has been an issue since XX/XX/2016 that has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX XXXX, 2017, I went to XXXX to purchase items from the store. My card was declined. I went home and called Capital One at XXXX to inquire about my balance. I was also looking at my account online when the representative answered the call.The first representative hung up on me and so I had to call back around XXXX The representative 's name was XXXX and her ID # is XXXX. She preceded to tell me what happened to my account. I stated that Capital One had placed a {$50.00} over due payment on my account on the day that the account was due. I paid my bill on the exact same day. Capital one then stated that they did not have a {$50.00} over due fee on my account. On XXXX XXXX I saw where Capital one had credited {$25.00} to my account and changed the over due payment fee to {$25.00}. I had already paid Capital One in 3 days {$24.00} and XXXX payments of {$50.00}. By this time the representative told me that what I had in my account was {$9.00}. I asked to speak to a manager she chuckled and laughed and told me to hold on. I then spoke with the Manager XXXX his ID # XXXX. I told him that I had checked my account on XXXX XXXX and had {$80.00} in my account. I made XXXX purchases XXXX for {$15.00} and the other {$24.00}. He said that is correct. I told him that I made XXXX payments and all I have left on my account is {$9.00}. He laughed and said, " XXXX XXXX would you like for me to go over your account with you? '' I said, " no, I will be filing my complaint. '' I am not stupid I can read my card statements. The account representative was being condescending and in a situation such as this, I need for all representatives to be professional in which they were not!! Capital One has given me a card balance increase that I have not asked for. Capital One knows that if they increase the balance on the credit card then the interest and finance charges will be higher. My interest and finance charges are more than 50 % of my minimum monthly payment. With an interest rate of 29.9 % Capital One increased my card balance but did not decrease the interest rate knowing this would make paying off the card virtually impossible for consumers!!! I would like for CFPB to investigate Capital One and their banking practices because I am quite sure that I am not the only consumer with extremely high interest rates from this bank!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I had a car loan financed by CNAC from XXXX 2015 to XXXX 2015. I traded my car in for a brand new car. When I traded my car in the new dealer called CNAC and got a 20 day pay off. Not even XXXX days later CNAC sent me emails telling me that I was in collections!! I reached out to them to advise them they will be receiving a check within XXXX days from the new car dealer. The representative was rude and continued to tell me that I was liable to pay. I then advised her that I will not make any more payments because they will be getting a check for the balance in full within XXXX days. I also advised her she was not to contact me at all. They failed to follow my request because they continued to call me when I a advised them not to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Repeated phone calls after i have answered twice and asked for them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
In XX/XX/XXXX, I closed all of my accounts with Capital One 360 after it acquired ING Direct. Today, XX/XX/XXXX, I got a letter from Capital One telling me to log in and verify my account to continue to receive emails. This surprised me since I had closed all of my accounts. I called Capital One and spent an hour trying to find out what was going on until I finally got a supervisor who closed the account. However, when I asked to receive a written confirmation ( or email ) confirming the account closure Capital One refused to do so. I still have no confirmation that this account is closed, even though I have now closed it two different times. Apparently asking Capital One to confirm something is beyond their ability to provide, which is disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 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: WA

Complaint narrative:
CCS Companies never notified of my right to dispute the validity of the debt. 

They reported to XXXX that my account was opened with them on XXXX/XXXX/2016. 

The first notice I ever got from their company was on XXXX/XXXX/2016 and the notice was dated XXXX/XXXX/2016. 

On XXXX/XXXX/2016, XXXX was reporting a collection on my credit report, I was shocked as I knew I did n't have any ... It was for Credit Collection Services, original creditor, XXXX. 

I filed a dispute with XXXX but it came back as " verified '' by CCS. 

I have previously called and disputed the debt with CCS and was told I have to pay. 

I called the original creditor on XXXX/XXXX/2016, it was discovered an error was made and the account was pulled from CCS. The original creditor informed me that the account would be removed from XXXX within XXXX10 business days. 

Additionally, I was unable to find their corporation registered with MA but will file a complaint with the MA XXXX about this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I recently found out that I have a Capitol One card on my credit report. 

I also got a XXXX that I never signed up I contacted them and they did n't want to provide me with a contract, receipt etc. 

A credit card from XXXX and XXXX I do n't remember the rest I found this info out because I applied for a car loan and found out my credit score is XXXX. 

I used to be a XXXX, the company I leased the XXXX from XXXX out of XXXX and after 6months ended up buying it with the help of XXXX they were to get me approved for {$24000.00}, long story short the XXXX company I used to work for did n't agree with how XXXX registered the XXXX and they fired me and told me I 'm XXXX and an XXXX and threatened to report me as if i owe them money to my credid report, which is ridiculous. Company is called XXXX XXXX ( dealer & service ) & XXXX XXXX XXXX from XXXX the owner of the company are XXXX. I do n't know for sure if they reported anything false on my credit but would like to find out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a credit card with Capital one which is opened in XX/XX/XXXX and has no activities since XX/XX/XXXX. I believed that I have cancelled it and cut the card. Anyway I have n't received any credit card or statement until recently in which it is said that I owned a balance of {$120.00}. I immediately checked my credit report from XXXX and found that scheduled payment of {$23.00}, {$23.00}, {$35.00}, {$36.00}, {$1.00}, {$1.00}, {$1.00} since XXXX XXXX and I also found that the payment of {$5000.00} each month since XXXX XXXX to XXXX XXXX which I never paid. Actually I am out the country since XX/XX/XXXX. I believe that they did this purposely in order to make my account active and then charge me some annual fee and penalty after my ignorance of this charging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In year XXXX, I opened a Capital One Bank account. In year XXXX, I already paid off the debt that I owed from Capital One Bank. Ever since I paid off the debt in XXXX, I shredded my credit card, and never used it again. In XXXX XXXX, XXXX, I have received a letter from XXXX XXXX XXXX, the letter was stated that I owed Capital One Bank {$3100.00}. 
In XXXX XXXX, XXXX, I wrote a letter to XXXX XXXX XXXX, the description of the letter was about " I have never taken out a loan from Capital One Bank '', I requested them to verify the debt ; however, in XXXX XXXX, XXXX, XXXX XXXX XXXX sent me another letter, the letter stated that they have completed their investigation of my dispute concerning my account. They have obtained and reviewed the attached documents related to this account, which establish its validity. I want to strongly point out that the attached document is Capital One Invitation that shows that when I first opened Capital One Bank account in year XXXX, I had provided my social security number, and my mother 's maid name. I 'm extremely irritated because they used the Capital One Invitation letter as their reason to claim that I owed {$3100.00}. I feel like Capital One Bank is trying to rob me. The Capital One Bank is harming me mentally and psychologically. I could n't sleep for days because Capital One Bank is trying to rob XXXX from me. Last but not least, I strongly emphasize that I do not owe Capital One Bank any money, not even a dime. 
My personal thought : when I received the first letter from XXXX XXXX XXXX, I felt like it was very unusual. Debt collector tried to collect debt from me after many years later. I do not have Capital One Bank anymore. I destroyed my credit card when I paid off my debt. My highest debt back then was around XXXX {$.00} 
P.S. In year XXXX, my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I HAD A CAR LOAN THAT WAS ALWAYS AND STILL IS CURRENT, BECAUSE OF PARKING TICKETS THE CAR WAS TOWED BY THE CITY OF XXXX.THE CAR LOAN HAD ALWAYS BEEN CURRENT.IN ADDITIONAL TO PAYING THE TICKETS I HAD TO PAY XXXX FOR A VEHICLE LIEN RELEASE,XXXX FOR AN ADDITION STORAGE FEE AND NOW I AM BEING BILLED XXXX ADDITIONAL DOLLARS FOR A REPOSSESSIAN FEE.THE CAR WAS TOWED FOR PARKING TICKETS, THEY AND THE GARAGE STORAGE FEES WERE PAID THE SUBSEQUENT XXXX XXXX AND XXXX ARE FOR NOTHING, I I WANT CAPITAL 1 TO REMOVE THE FEES OF XXXX AND REMOVE ANY REFERENCE TO A PEPOSSESSIAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX, XXXX a certified letter was delivered to Kohl 's to validate a debt that was on my credit report. I did not receive a response from Kohls within 30 days. I sent Kohls a non response letter on XXXX XXXX, XXXX I sent a no response letter. I have yet to hear from Kohls but I am now hearing from XXXX on behalf of Kohls debt. Kohls transferred my debt during the XXXX. timeframe. Which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I used the capital one mobile application to make a payment on my capital one quicksilver credit card. I noticed a day later that they actually planned to charge me XXXX different times but assumed it was just a mistake. Capital one then charged me XXXX dollars XXXX times and XXXX dollars a third time. I called them about the charges and they said it would take XXXX business days to refund me the accidental charges. The payments overdrafted my bank account which caused me to be charged with overdraft fees since they charged me more money than I actually had in my account. I deposited XXXX dollars so I wouldnt owe as much but I am still negative XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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: IL

Complaint narrative:
They did not remove the debt against home after it was discharged in bankruptcy for Chapter XXXX over 2 years ago. Have sent letter asking to vacate the credit card debt lien from home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: First Data Corporation
State: NC

Complaint narrative:
I process credit cards through XXXX 's club merchant services. I notices that my deposits we not matching in my bank account. I called more than 9 times speaking with different people. Merchant services informed me that my tax information did not match. I disagreed with this information. The government does not require you to have a EIN number. You can use your social security number as your EIN number. This is what I did. My business entity is registered under my name and doing business as XXXX They sent me to business checks to verify this information. It was a match and had never change. For thee months they took regular credit card fees and an additional 32 % from my bank deposit with out any notice. No reflection was made on the end of the month statement. So the only way I knew was by calling merchant services. I was told that I would not get my funds back except by income tax. This caused a hardship on my business and I have a copy of the results from the IRSthat my information matched

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 explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was notified in an email of a fraud alert on my credit card and was asked to provide some documents to verify my identity. I provided such documents and after 6 weeks noticed that my account was in the same status. I called to determine the nature of the problem and customer service personnel informed me that they needed further proof of my identity. No one had called me or emailed me during this time to say that additional information was needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
A collection agency in XXXX XXXX Washington named SB & C never contacted me that I had an account that was referred to them, they say they called and sent a letter but I never received either. After 30 days of it being in collections they filed a lawsuit against me. When my wife was handed the paperwork she notified me. I called SB & C and told them that they never contacted me and they said that the lawsuit is their attempt to contact. It cost me {$680.00} to pay off a {$350.00} medical bill. I was never notified of a court date, so I missed it. How can a collection agency sue someone without prior contact regarding my account being sent to them. I feel as if the whole thing was a huge con. They would not provide proof that they had contacted me other than just saying that they had. This happened last year but I did n't know I could file a complaint till now. Their tactics are completely unfair and I do n't see how it can be legal to do what they did to me. Any help or information regarding this would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One sent me checks to use, with all kinds of information saying that the money used would be at 0 % interest rate for 18 months. Now I have received my statement and there is a {$340.00} fee showing for using the 0 % check. It might have been somewhere in the XXXX pages of small print, but that 's fraud, or stealing my money. You ca n't advertise 0 % for the check, and then hide the fact that instead of interest you 're charging a " fee ''. I want my {$340.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for a Capital One Credit Card online and received it w/ a {$3000.00}. limit. 
This was about XXXX. I wanted to take cash out and the ATM refused. I called and although I verified all the information, they xfered me to the Fraud Dept. because they think I am not who I say I am ( although I am and I have sent them the documents to prove it ). For awhile I was able to use it at stores as credit but then they restricted that. I kept going online to see when the first payment was due and all it said for the longest time was that the account was restricted. Finally it gave a due date of XXXX/XXXX/15 w/ a {$26.00}. minimum payment. I mailed {$50.00} at the end of XXXX but it never showed online. On XXXX XXXX I called and spoke to a man ( I think he said he was a detective but he is n't a very good XXXX ) and asked him why my payment was n't posted. He asked me the same questions over and over and I just wanted to know why my payment was n't posted. Well, he found the payment, posted it but he did n't backdate it and they charged me XXXX in interest and a {$25.00}. P/D fee. I have written them numerous letters and spoke to the Fraud Dept. several times but for some reason they think this is fraud and they have restricted the card and ruined my credit report. I have never denied the card is mine or the charges. I am making my payments on time. I have done everything to clear this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: ID

Complaint narrative:
I called in regarding a debt that was being collected on. I was calling to dispute the debt and was not advised to write a letter stating the dispute. I called back in to verify and was hung up on. The third time the agent was correct in saying I needed to write a letter ; however, it was after I stated the requirement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a purchase in XXXX with Capitalone credit card who claims not to charge a foreign transaction fee. I make the purchase on Tuesday XXXX XXXX at app XXXX PDT. Capitalone texted me and asked me if I authorized a charge for {$1200.00} to XXXX for airplane tickets. I confirmed. And after checking foreign exchange rate at the time of purchase, I can agree to {$1200.00}. 
On my statement, Capitalone is charging me {$1200.00}. When I called last Friday ( XXXX XXXX ) to Capitalone to bring this up to their attention, they said that only {$1200.00} will be charged. When I called today ( XXXX XXXX ), they said that the charge came from XXXX, possibly for baggage charge. Such is obviously not true. 

Basically, Capitalone is not honest in the exchange rates for foreign transactions. In fact, they can charge any rate they wish. Consumer who are expecting to a particular amount on their credit card bill can be shocked to a much higher amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
I am homeless with my XXXX year old and I need to get an apartment for her and me, I can not efford to pay my car on a monthly basis, I would have to choose my daughter well being or live out of the car.. I choose my daughter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 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: MI

Complaint narrative:
This debt being collected by XXXX XXXX XXXX XXXX in XXXX, MI is several years past the statue of limitations however, they continue to send threatening collection letters.

Company response to consumer: Closed