vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a Lord and Taylor credit card with a credit limit of XXXX because they had reduced my limit because of a decline in my credit score. I have n't used the card since this decline and before the decline my bill was paid on time. Recently I received a bill that I should have because the card has n't been used. Someone made fraudulent purchases on this card and I filed a dispute directly with the creditor and to date I have received and update but recently pulled my credit report and they have an unpaid balance and has closed the account without my knowledge at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One placed a Judgment against me in 2011 for a debt I owed. My paycheck was garnished until the debt was satisfied. I have the satisfaction letter from the courts that the debt was paid. Now years later I am being harassed by the company Capital One uses to handle their collections. They claim I never paid the debt and are trying to get me to pay more money to satisfy the debt a second time. I have repeatedly told them that it was already taken care of and they will not listen. I try to call Capital One directly and they transfer me back to the collection company. To make it worse, Capital One is still reporting to the credit bureaus that I owe them money. I have sent numerous disputes to the bureaus to have this corrected and they are violating the Fair Credit Reporting Act by still reporting the balance. 

Please please help so I can move forward with my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was behind on my car note with capital one around XXXX 2016 or so. I was about 2 months behind or so. I called capital one & ask if I could defer a payment, I worked mostly on commission so my income had dropped drastically. The agent at capital one said there is no deferment program, the agent said there is a fresh start program for me. I believe I owed capital one about $ XXXX- {$1100.00} which was the total of 2months behind & the payment that was due for the month. The agent said we can enroll you in the fresh start program the past due amount goes down by XXXX % to {$730.00} & they gave me another 2weeks or so to make the payment. The next 3 payments after that goes up XXXX % more which was, I believe about {$570.00} or $ XXXX month. My regular car note was $ XXXX month. They told me by doing this, my credit report will not show late, by agreeing to the fresh start program my account will be current. That was the only reason I agreed to the program. I did not like the fact that for 3months I had to pay XXXX % more each month instead of paying my regular car note {$390.00} I was paying {$570.00} but I said as long as it shows no late, that ok. Then just by chance I happen to check my credit report to my complete & utter shock, it showed late for 2months. I called capital one, I said you have reported me late for 2months when I was in your fresh start program, you told me you would not report me late. I spoke with a agent & a manager on the phone, they looked at everything & they said the fresh start is too work out a payment plan, it still will show late, I told the reps at capital one, I was deceived, they fooled & tricked me into getting into this program. Why is it called the fresh start program? It is a misrepresentation & a attempt to deceive. There is no fresh start here, if they would have told me my credit would be damaged, I would have came up with the extra {$300.00} to {$400.00} needed to get caught back up & then just pay my {$390.00} a month. I could not believe that they would say one thing & then do another. I felt like the facts was totally misrepresented here & it was not explain so I could understand it. It was very confusing, there is no way the least sophiscated consumer understands what they are signing up for. Please look into this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I applied for the XXXX from Capitol based on the mailer I got which mentioned {$1000.00} in bonus earnings on {$1000.00} in purchases within 90 days of card opening. I 've made the purchases, but do n't see the bonus earnings. I 've called up Capitol One and the redemption center multiple times and have been getting the run around, and that they are n't aware of any such offer. I also faxed them the mailer, but have had issues getting proper responses from Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing Capitol One 's report regarding the delinquency of my platinum XXXX account. I request investigation because : 1 ) The terms of my credit account and debt with Capitol One are incorrect ; 2 ) Capitol One 's report as to my payment performance and conduct on the account is incorrect ; and 3 ) Capitol One 's report as to my payment relationship with that entity, especially regarding creditworthiness, is incorrect. 
This is my XXXX and only Capitol One account. This account was opened on XXXX XXXX, 2015. I set up monthly recurring auto-debit payments for the full balance of each statement on XXXX XXXX, 2015, prior to the first statement due date, XXXX XXXX, 2015. All auto-debit payments were to be transacted on the XXXX of each month. On XXXX XXXX, 2015, I received a confirmation email from Capitol One than an auto-debit payment was scheduled for XXXX XXXX, 2015. On XXXX XXXX, 2015, I received another confirmation email from Capitol One than an auto-debit payment was scheduled for XXXX XXXX, 2015, for the balance due on my second statement. On XXXX XXXX, 2015, I received a notice that the XXXX XXXX, 2015, payment had not been auto-debited by Capitol One. I received no similar notice regarding the XXXX XXXX, 2015, payment. However, when I called Capitol One the same day that I received the first notice ( on XXXX XXXX, 2015 ), I was then notified that the XXXX XXXX, 2015, transaction had not been auto-debited either. I paid the entire balance on the account immediately over the phone. The failure of Capitol One to successfully auto-debit XXXX statements pursuant to our agreement should not be reported as a delinquency on my part. I relied on their confirmation emails that the payments were to be transacted as scheduled on XXXX XXXX XXXX and XXXX XXXX. Capitol One failed to notify me that they had not completed these auto-debit transactions as agreed and confirmed until XXXX XXXX. Furthermore, this report is incorrect because this account is not delinquent and is paid in full. I request investigation as to Capitol One 's reporting regarding the timeliness of my payments, Capitol One 's failure to auto-debit per our agreement and to notify me of the same until XXXX XXXX, 2015, and Capitol One 's report of my overall payment history and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have credit card with Capital One and sometimes use their offer totransfer balances to reduce interest paid on other cards. Before I couldpay off any purchase balances first without being charged interest on it, if paid on time. This was a positive of the new laws. However, now they asay that any purchase will be assessed interest regardless when you payit off unless you pay the entire balance including balance transfer. 
Naturally, this makes a balance transfer not very worthwhile. This doesnot seem what law intended.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
collection agency did n't identify them self as a collection agency says they are only required to say mini miranda it once and that they did it on a letter they sent informed them that is wrong fdcpa clearly states that it is on every contact they sent me a validation letter we requested and it was XXXX more than what I owed part of it was 2 months that landlord could n't rent apartment yet apartment was rented 30 days after I moved out can get proof if needed they are overly aggressive and refuse to adhere to fedral law I can not and will not do business with a company that thinks they are above the law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a credit card with Capital One. It is and always has been in good standing. Capital One XXXX XXXX XXXX UT XXXX. XXXX keeps reporting that the account was closed and charged off as of XX/XX/2017, when it fact it is not. Numerous calls to Capital One have not gotten anything resolved. The Customer Service reps say XXXX thing, sends a letter to state they have fixed it with all credit bureaus and when I get my reports, it is still the same - Negative Charge Off. I pay my bill every month and use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
On XXXX/XXXX/2016 I closed my prepaid card that I had deposited XXXX XXXX dollars with Capital One. I got an email later saying I had to make a payment so I called. I have a transcript of the phone conversation with the Capital One Rep. He told me I had to pay an additional {$150.00} that was still on the balance to close the card. I did so online XXXX/XXXX/2016. My bank statement shows capital one withdrew the money on XXXX/XXXX/2016. The Rep said all would be good. 
Today I recieved an email from Capital One saying I need to make a payment on the card for {$68.00}. Please help me with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XXXX/XXXX/2016 I contacted them XXXX XXXX XXXX XXXX XXXX to pay a debt owing on my credit report. I paid the debt in full and requested an email stating the debt had been paid in full. I explained that I was in the process of getting a mortgage and needed to do a rapid rescore with the credit. I have only worked with XXXX at ext. XXXX. She first stated that I would have to call back at XXXX XXXX the following day to get her to send email but that it would not be an issue. I called her back XXXX at XXXX she stated that she would send it out that it was right in front of her. I did not receive the email. I called her 8 times on XXXX each time she stated that they she spoke to her VP and he had to send the email but she would remind him. I do n't understand why I have been treated this way. I have a hard deadline to make to ensure financing for my new home. Called again at XXXX XXXX spoke to a XXXX XXXX. He stated that they could n't send out the email because of their law department and VP could n't get their system up and running. I paid my debt, it cleared my account but I ca n't get a email or fax showing that I paid my debt in full is criminal, Have been lied too twice about getting it done first yesterday XXXX and again today XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There is a credit card showing up on my credit report which is not mine. I have never taken out a Capital One credit card. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Plain and simple my car was totaled in an accident XX/XX/2016. My insurance paid off the car and I had gap insurance just in case I ever needed it. Capital One Auto Finance added late fees and other finance charges and stated I now owe an additional XXXX and they are reporting to the credit bureaus as an open account. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Someone tried to obtain a Capital One Credit Card in my name on XXXX XXXX, 2016. A hard inquiry was made with XXXX Credit Reporting Company. I have contacted XXXX, Capital One/Sacs Fifth Avenue, and Capital One and was told the information, when compared to my personal information was fraudulent. I was also told, the hard copy inquiry would be removed from my personal XXXX credit report but has not been removed as of today, XXXX XXXX, 2016. I want it removed as indicated and promised by credit company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I have no knowledge of this debt nor the company who 's trying to collect on it. I receive a copy of my free annual report an that 's I I notice this negative idea that 's bring my score down tremendously!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I visited XXXX in XXXX, CO and was looking at cars. They let me know that they were running a credit report to see what loans I qualified for. I let them know that I only would allow one company to run the report ( XXXX ) and they agreed. They did not tell me that other companies would be running a credit report to give me loans and I specifically told them that I did not want my credit run through finance companies I did not approve of. I was unaware and did not give understandable permission for this company to run a credit check on me. I was pressured into running a credit report when I did not want to because I was a first time car buyer and unaware that when XXXX ran the report it would go through numerous agencies. They did not clarify and tricked me. I think this is unfair in that it affects my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX 2016 I mailed a deposit to Captial One Bank in their postage paid envelope, with my deposit slip, and a check for XXXX made payable to me. On XXXX XXXX 2016 I received my XXXX statement and the deposit was not on the statement. Today is XXXX XXXX and I have called them numerous times over the past four weeks, sent faxes, and still nothing has been resolved. My last conversation, today was they want me to resend the fax. It was lost due to the flooding in XXXX. They will not accept an emailed document. I am turning this over to the CFPB as I am getting nowhere fast trying to resolve this on my own. I need help getting my money back. They cant seem to tell me where my money went or how they plan to correct it. All they can do so far is give me a huge run a round and it 's been almost 30 days since I notifed them of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had a outstanding credit card debt with Capital One. I was contacted by XXXX XXXX XXXX debt collection agency ). I agreed to pay XXXX payments of XXXX to settle the acoustic in full. Upon settlement I was to receive a release from debt letter and upon settlement a deletion letter to credit bureau. As if account never existed. No adverse credit on report. Over XXXX years later after I paid in good faith. Still on credit report terms of settlement not followed as promised. Contacted Capital One and XXXX to no results

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, we receive notice from Wells Fargo that we had to close all of our accounts in 35 days. We have no idea why. All they would say to us is that we are not beneficial. Wells Fargo purchased the bank that carried the original accounts. We had a question about the exorbitant fees charged for cash deposits. They set us up with a separate checking account for our cash deposits so that we could write a check to our business account without being charged fees. On a separate occasion, I had a meeting with two of the bankers ( I called them wolves ) who tried to frighten me into letting them invest some of my money into different areas. Needless to say, I left the bank very upset.. We had our flooring program through XXXX. Wells Fargo purchased XXXX. We received a letter dated XX/XX/XXXX that our flooring privileges were being terminated. We still can not find out why. We would like to know what we have done wrong. We still ca n't get an answer. If we have done something wrong, we 'd like to be able to correct it. All of our units were paid for on time, and we never had a problem when we were dealing with XXXX. After Wells Fargo took over XXXX, they did an audit of our books and the auditor found everything in order.

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 2017-01-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I saw an Capital One credit card ending with XXXX under my name with outstanding balance for {$2800.00}. I do not recognized this credit card. I think someone was used my name and SSN applied for this credit card and used without paying. I did n't notice until this morning I checked my credit report. This outstanding credit card leave a huge impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
capital one credit cards never sends me a billing statement so I can pay it they close the accounts for or some one used the cards I am paying on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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: LA

Complaint narrative:
Capital one continues to capitalize off the # of unexplained NFS charges on credit card purchases account that 's attached to checking account, capital one executive director called on XX/XX/2017 without a resolution but instead to continue causing hardship on economic resources capital one have used tactics to capitalize off members economic resources as capital one continues to delay memorandum of Transparency accuracy of accounts open and accessible to XXXX XXXX XXXX by the end of today 's closing.XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was contacted by an employee of Capital One on XXXX XXXX, the employee made a threatening voicemail stating " call me back or come back with a XXXX ''. 
After reviewing the voicemail I contacted Capital One to file a complaint and was told that upon review of their recording the agent was n't aware that he was leaving a voicemail and was having a personal conversation. I was told that he stated that there was a quarterback that XXXX however, my voicemail states something completely different. I reviewed the voicemail again and sent the recording to XXXX XXXX via email and was never contacted again. I am extremely upset that I received such a threatening voicemail and the issue has not been resolved and has been completely ignored by management.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Applied for Capital One Business Green Spark Card Online. Online Advertising for the Card suggests high credit limits to induce business owners to apply. Nothing in the application process suggests credit limits or informs you of prequalified limits and as a result processes application including credit check ( negative for/ on credit score ). Credit gets approved for {$5000.00} which is useless for a business my size ( we look to spend $ XXXX-XXXX using card ). Now, I have a useless card and negative with credit bureaus for applying.

Company response to consumer: Closed with explanation