vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX 2013, I co-signed for a car with my husband through Capital One Auto Finance. In XXXX 2013, I was XXXX XXXX from XXXX to XXXX. My husband remained XXXX in XXXX. A divorce was in the process, and it was agreed upon that he would take over car payments. Fast foward to XXXX 2013, he stopped paying the car payments and did n't tell me. I got around to checking my credit report sometime later, and I found out that the car had been charged-off. Capital One never once called me, e-mailed me, or mailed me anything stating that the car payment was even past due. When I found out it was charged off, I called them and questioned why they never contacted me. They could n't give me any answer. After multiple calls and prodding, they claimed they tried to contact me, but that is untrue. I never received a call from a collection 's agency either, so that I could rectify the situation. I was dealt with unfairly and wrongfully, and now I 'm stuck with this on my credit report and they will not remove it, even after I have disputed it. The car is now in my possession currently, and I want to get rid of it and be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX of 2015 Capitol One Bank sent me a letter that notified me about my bank accounts being closed. Letter referred to their Rules Governing Deposit Accounts. On XXXX XXXX of 2015 I received another letter from Capitol One Bank saying that they " Had observed activity on a past or presentCapitol One account that is not consistent with their expectations of usage for personal, family or household purposes ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
The short and sweet is this. 
I went to XXXX XXXX for a car. 
They told me that because i had no credit, that they werey only option. They even required me to have a cosigner. 
I was sold a 2006 ford Taurus with a bluebook value of XXXX for a total of XXXX was not fully informed of all of the details of the loan. I was rushed through the signing of the paperwork. 
I was duped. The car is not worth nearly what they charged for it. 
It is usery clear and simple. They practice preditory lending. Anyone can look at any situation from XXXX and see this. 
They are unprofessional and just bad people.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I need all the statements on this account since its inception in XX/XX/XXXX, and the signed and dated original credit card application which shows all my pertinant personal information and signature. This has been requested since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a credit card with capital one XX/XX/XXXX. For some reason, they blocked my card before I could use siting fraud/possible identify theft reasons. I submitted everything they needed to prove my identify including my social, drives license and bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My mother, XXXX XXXX, opened a Capital One secured credit card with a credit limit of {$200.00}. My mother accidentally added me to her account as an authorized user. I called Capital One to remove me as an authorized user and to not report anything to any major credit bureau. The customer service agent and his supervisor assured me since the account was just opened and a first billing statement had not been generated that nothing would be reported to my credit. The other day I receive a credit alert informing me Capital One reported information on my mothers account that I 'm no longer an authorized user for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One mislead me and had me under the assumption that my account was protected under their payment protection plan if I ever became unemployed and could not make my payments. I was unemployed and could not make my payments for three consecutive months. I was never notified by Capital One that the payment protection plan was no longer existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received a call from XXXX from XXXX XXXX calling from XXXX, and XXXX multiple times. I had talked with him on XX/XX/XXXX at XXXX which i told him i would try to figure out things in about a week which he said was not good enough so I told him I would call him back on XX/XX/XXXX but i forgot to call. The next day someone from work came to me with a phone and it was XXXX telling me that I had to call him and he was being very stern about it. I told him he CAN NOT be calling me at work and i ended the call. Today XX/XX/XXXX I get informed that he had called me at work again. I also get calls during the day when I am not at home 4 times since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In an effort to rapidly repay the HELOC, I sent Capital One XXXX several XXXX dollars over and above the monthly interest payment. On XXXX occasions in the last 12 months, Cap One applied the payment to " this '' month 's interest, and to " next '' month 's interest. In XXXX cases, they mistakenly credited my account with a couple dollars less interest and applied the rest to principle, then filed a 30-day late payment notice with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I submitted a complaint a few weeks ago ; however, it was not resolved. Capital One 's executive offices contacted me ; however, they refused to work with my temporary hardship. After I explained what had happened after they asked what had caused this hardship ( a transition to a new career due to medical reasons, as well as a XXXX that was not covered under my insurance ), they put me on a brief hold and came back to offer me nothing. My current interest rate is 21.15 % on a balance of {$16000.00}. Interest each month is near {$200.00}. I explained that I am in training pay mode in my new job ( auto sales ) and make minimum wage, less than $ XXXX, gross. My mortgage on my house alone is {$1700.00}. It 's simple math. I make less than my mortgage payment, which leaves nothing for credit card debt, my car payment, electrical, etc. I had previously taken a high interest rate ( 14 % ) loan with XXXX, and retained half of that to stay current with at the least my mortgage and auto payment. I explained to the man that I in no way want to shun my obligations ; however, I would appreciate some help till I get on my feet again. Any chances I had at obtaining a personal loan had been abolished by Capital One 's sudden closing of four of my accounts without one missed payment, as well as XXXX with XXXX balance. They shut them down for " charges not consistent '' for what they expect. Within a week of their dropping {$27000.00} in credit, my credit score plummeted into the XXXX from the XXXX. I did nothing wrong! Within a few months I will be switched to commission and hopefully my income will increase substantially. All I asked was a reduction in interest while I am in the transition mode, which would be hopefully no more that 6 months. I can not understand why they could not grant this request when I have been a perfect customer for years with Capital One bank. My complaint is that they single-handedly destroyed my credit in one sweep, and now they refuse to lower my interest rate for a brief period of time. I was not asking them to excuse my debt. I am completely aware of debt relief agencies -- they advertise constantly -- however, I was trying to handle this the responsible way. I do not want to be forced into bankruptcy ; however, this bank has ruined my credit by suddenly closing four accounts for a bogus reason, and refusing to reduce my interest rate in return for their damage. Previously I had equity in my home I could draw from, now there is zero chance of that thanks to Capital One. Capital One reached out to me after filing the first complaint ; however, they offered no resolution at all. They should be held accountable for this kind of abuse. Again, I am asking for the same thing. In a good faith effort, I made the {$320.00} minimum payment after I was turned down by this representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one bank refuses to remove fraudulent inquiries related to an identity theft, that were not authorized by me there are multiple inquiries on my XXXX and XXXX XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received an accerlation letter in the mail. I owe less than 60days on the car. I actually owe XXXX which is one XXXX and one payment of XXXX. I pay the note everytime I get paid and I will make those last XXXX payments like I have setup to do with the lady at the XXXX number. Once the loan is paid in full which will be between XXXX 2017 and XXXX 2017, I would like my paid in full loan paperwork mailed to my home address XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I signed up to use PayPal so I can use my own current ( personal XXXX credit card to pay for a friend 's wedding. Without my knowledge or consent, PayPal ran my credit report and signed me up for their credit account. I 'm infuriated that a company could do this without informing the user of the mobile/web experience. I 'm trying to purchase a house, and this incident will affect this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I am writing to file a complaint about Capital One. It is regarding my account numbers ending in XXXX, XXXX, and XXXX. 
I have been an account holder of theirs since 2000. I have never paid any of the accounts late. Recently, I noticed that they increased my rate on my account ending in # XXXX to 23.15 %. They have also increased the rate on my account ending in # XXXX to 18.15 %. Both of these accounts have had balances, and they have been steadily increasing the rates on these accounts. I believe they have been doing this in a predatory manner, primarily because the accounts have balances. In comparison, my account ending in # XXXX is not in use, although it is open, and my interest rate is 10.17 %. It is also important to note that my credit bureau is in good standing, and all of my other credit cards have rates of less than 15 %. When I called Capital One to complain, I spoke with a rep named XXXX. She gave a fairly lousy excuse for the rate increase, stating prime had gone up. But she offered to lower the rate to 20.15 % for 7 months. I is also important to note that the XXXX credit cards with balances have lower cash advance rates compared to purchase rates, which makes absolutely no sense ; cash advances are a higher risk than purchases due to the nature of the transaction. Simply put, I believe they are increasing the purchase rate on my credit cards because of running balances that are not always paid in full each month. In other words, they are preying on my ability on whether I can pay the accounts off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I sent a loan payoff payment that would have paid my capital one auto loan in full but capital one has not processed my payment yet. I have been charged additional interest and late fees. Additionally, due to the lien not being released from title, my new lien holder has also penalized me with fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-12 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On or around XXXX XXXX, 2015, I applied for the Capital One credit card directly through their website ( www.capitalone.com ). I carefully read through the disclosures and compared each card 's fees and APR rates before making a selection. I chose the " Capital One Platinum card '', because it was being marketed as " annual percentage rate 0 % ( APR ) for purchases for the first year and no annual fee ''. I was immediately approved for a {$3000.00} credit limit. On or about XXXX XXXX, I used the card to pay my rent of {$800.00}. On XXXX XXXX I paid {$150.00} toward the balance prior to the cycle ending. On or about XXXX XXXX, I called to make a payment with customer service again, but was told my payment was not due until the XXXX of each month with a min of {$25.00} due and to wait until the next billing cycle. On or about XXXX XXXX, I called customer services to make a payment and the automated system reported I owed over {$800.00} on the account with a min of {$73.00} due. I immediately spoke with a live customer service rep who reviewed the account. She reported I had a late fee, and interest on the account that has occurred from the last two months. I asked for an explanation since I applied and was approved for the 0 % APR. The representative reported " I see you did apply for the 0 % APR, but was denied ''. I asked why I had not received a statement and or other forms of verification regarding this and why was I approved for the high credit amount and not the low APR rate? I requested that I speak with a supervisor who can explain why I was not informed of this change and the fees associated with the account. After spending over an hour on the phone, with a reported supervisor he reported " Capital One ADDITIONAL DISCLOSURES & TERMS AND CONDITIONS clearly state why I was denied ''. I asked him to guide me to the exact paragraph to which he was reading from online. The supervisor outlined " With respect to this offer, I acknowledge that : Even if I am otherwise eligible for this offer, approval is based upon satisfying Capital One 's credit standards ''. I questioned what exactly the Capital One 's credit standards was and how it is used to define my creditworthiness? The supervisor easily became irritated with my request and threaten to discontinue the call and then hung up on me. I called back several minutes later with hope of someone defining the Capital One 's credit standards. I reached another representative who was eager to find out what it meant as well. He could only confirmed that the Capital One 's credit standards is their internal underwriting policy. I fear that with such policy in place that prevents consumer 's access of making informed decision that Capital One 's credit standards is a deceptive marketing and enrollment credit lending practice. Such practices raise the alarm of unfair billing and discriminatory credit card practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 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: FL

Complaint narrative:
In 2009 whilst away at school my name was used to open a utility account with XXXX. this account was opened fraudulently without my consent or authorization. 
I have not or did not give permission to any person to use my confidential information to open an contract or for me to be included me on any application for service with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: GA

Complaint narrative:
They called using a automated communication phone it did n't have my name or who they were calling for they have called for the last month. And their is no to speak to

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I 'm having a problem with capital one bank they are supposedly to be doing a fraud investigation on XXXX of my accounts and yet it 's been almost a month and no one is giving me updates about my accounts and each time I call them they give me the run around on my account status and not giving me a straight answer plus on top of that I tried to open another account in the same bank and they are holding my tax refund check which is not related to my XXXX accounts that they are investigating. This is the XXXX bank that is just putting me in debt. I just assume they are doing some wrong like with XXXX the XXXX bank I had done business before and now capital one. So can you please resolve this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My husband and I are buying a home and the lender indicated to us that a dispute came up on my credit report with a credit card company. I the credit card company and they said that they did have a record that showed there was a dispute many years ago, but that it was from so long ago they could n't give me any information other than it had since been resolved. The rep I spoke with said that they would contact the XXXX bredit bureaus that they work with to ask that the dispute be removed from my report. The rep said it could take up to 90 days to resolve, which is not a timely fashion when purchasing a home. Given that the dispute was so long ago it is strange that this was never done before- I certainly did n't know it was my responsibility to make that request. I thought after I had paid the card off and closed the account it was over. ( I knew my score could be affected for up to 6 years, but it has been over that period of time and I never followed up. ) I think it is important for consumers to make sure they follow up because it is evident the system of reporting/resolving is not efficient or necessarily accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One violated California Civil Code Section 1747.85 by cancelling my credit card without first giving 30 days ' written notice of its intention to do so. 

Capital One is blocking any finding of its accountability under the cited law by refusing and/or failing to provide information on a consumer 's recourse, specifically whether they consent to consumer arbitration as a method of resolution. By refusing/failing to provide such they are thwarting my and other consumer 's rights to fairness and accountability. 

I have tried to ascertain the information on consumer recourse by directly calling the bank and discussing the issue with a representative of the Capital One executive team, speaking to a consumer rights attorney, and by analyzing the card member agreement. All such investigations did not yield an answer as to a consumer 's recourse against Capital One for an alleged violation of the law by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is reporting the incorrect past due balance, balance, payment amount, and date of XXXX delinquency. These factual errors are purposely ignored by Capital One and have prove to be detrimental to my financial rating. I have been denied and received unfavorable credit terms because of the careless reporting by Capital One.The Fair Credit Reporting Act ( FRCA ) says the information on your credit reports must be accurate. Credit Reporting Agencies are only suppose to report accurate information.

Company response to consumer: Closed with explanation