vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The 2015 year has been horrible for me financially because I had to deal with my mom getting diagnosed with XXXX and almost having a XXXX ; and my father getting diagnosed with XXXX and XXXX XXXX XXXX. I have also been dealing with my son who had XXXX, and had XXXX that had him hospitalized XXXX times last year.I received notice that my account would charge off in XXXX by mail if I did not make a minimum payment XXXX dollars.Therefore, I made the payment of XXXX dollars in XXXX. Then I received a statement saying I owed XXXX dollars or my account would charge off, but all I could afford to pay was {$25.00}. I paid the {$25.00} dollars in XXXX and my account charged off. I could see if I had n't made a payment at all, but I was trying to get it paid. When I called to talk to a representative she act like there was nothing I could do. She pretty much said I could pay off the charged off amount. Ive had this account since 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
They call multiple times a day to try to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX, I closed my credit card account ending in XXXX with Capitol One. I closed the account due an up coming job loss at the end of XXXX. With that knowledge I consolidated my credit cards with XXXX in XXXX XXXX. The contract was completed in XXXX with XXXX balance to Capitol one. 
Recently Ive been going thru my credit report and found XXXX 30 day XXXX XXXX, XXXX XXXX and XXXX 60 day ( XXXX ) late infraction account XXXX in XXXX. These are incorrect and have disputed and contacted Capitol One to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I got a secured capital one credit card ( first credit card ) and I got a balance that I had to pay before XX/XX/XXXX, so I went online using the payment option on mt capital one account and try to pay for the balance, I made a payment for {$190.00} on XX/XX/2016 to capital one using my checking account. A few days later, got an email from capital one saying that my payment was rejected, so I call my other bank to try to resolve the problem and they told me that I have to provide my account XXXX digits number ( which I did n't know ) to make the payment. so after that I call capital one and made the payment again by phone of {$200.00} and this time it went true. Few days later got an email from capital one saying that my account is closed because of suspicious activity, so I immediately call them to explain what happen but my account is already closed and ca n't open a new one with them. What I 'm saying is that is unfair because it was a misunderstanding, did n't know I had to provide my full checking account number. So for that my capital one secured credit is close and I ca n't reapply again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capital one bank refues to activate XXXX insurance on accts ending with # XXXX # XXXX # XXXX # XXXX. they prefer to charge off the acct

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is a complaint about Capital One 's unconscionable practice of closing accounts when there are outstanding rewards and telling the card holder that their rewards are forfeited. On XXXX XXXX, 2016, I received a letter from Capital One closing my GM credit card account because they " observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes '' Cardholders received 5 % of annual purchases up to {$500.00} annually as a reduction toward the cost of a GM car for up to 5 or 7 years. At the time of the cancellation, I had a balance of {$1000.00}. 
Capital One refused to provide any further information as to why my account was closed and advised me that my balance was forfeited. I spent many hours with Capital One and had many phone calls with representatives who were essentially robots. They would not provide any information other than what was in the letter and telling me that I had forfeited my rewards. 
I subsequently learned from GM that my card was cancelled while in good standing and they would honor my rewards for 90 days. In other words unless I bought a car within 90 days I had lost my rewards that I had in good faith amassed over the last two years. 
I have held this card for more than 20 years and believe this is a fraudulent practice. Capital One promised to provide me the agreement showing that they can do this, a copy of the letter and a copy of my last statement which I misplaced. This was about a month ago and they have not fulfilled their promise. In other words, contacting Capital One is like banging your head against a wall. 
Capital One should be sanctioned by fine or by other means for this clearly unconscionable practice. Pressure through formal action or otherwise should be placed upon Capital One to stop this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 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: OK

Complaint narrative:
In regards to XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I made a settlement agreement with them last year for half, I sent them a valid check and they check was sent back stating the offer was longer good. I have submitted all necessary paperwork to the XXXX credit bureaus. This company continues to call me at all hours of the day and night. including XXXX to XXXX XXXX. They have called friends and relatives in other states and here in XXXX. They informed my brother about the debt, how much it was and threatened him with a lawsuit if he did not pay. Even though we have both asked them to send all corespondents through mail only and no more calls, they continue to do so. Today they notified myself, my brother and a friend, that we are all being sued, wages garnished and jail time, if I do n't pay. All these practices are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In XXXX, 2015 Capital One issued me a new credit card ( with chip protection ) and a new credit card number. I emailed the XXXX XXXX XXXX that I wanted to cancel my on line subscription ( directly billed to my credit card ) instead of updating them with my new card number. XX/XX/2015 I get my statement from Capital One and notice for the first time that the XXXX has continued billing me for a subscription I had cancelled. 
I never gave the XXXX my new credit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I got a letter from XXXX. They say I owe a debt on a membership from 1986. Yes, believe it or not, 1986!!!! I told them I do not have a XXXX. I have n't had a membership to a gym in years. As soon as I was dumb enough to call them from the letter, they got my phone number. They call me XXXX or XXXX times a day. I asked them what was the amount of the debt and they tell me XXXX that is current. I say ... current from 1986? These people continue to fish for more and more information. I am actually scared these people will continue to try to get info from me and try to get more info and use it against me. 

ABC FinancialXXXX XXXX XXXX, AR XXXXXXXXHow can we stop them? What are my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation
State: OK

Complaint narrative:
I went and took out a loan with world accptance in XXXX ok. I took out insurance incase anything happen to the security i use to secure the note. about 6 months after i took the loan out i was in a flood and submitted pics and everything of the lost computer and electronics. they told me it would be handle in 30 days and the note should be paid off. 4 months pass and some random lady came to my house saying i owe them XXXX dollars. She remember me and said she did not know why the insurance didnt pay yet. so i call them and they said the branch manager didnt turn my stuff in and they change branch mangement right before this they did not have any supporting evdeince to file my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Turner Acceptance Corp.
State: TX

Complaint narrative:
this car loan has been payed off in full in 2005 ' can I get this removed from my credit report '

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I contacted Capital One customer service to find out why my balance never goes down when I make every payment on time and hardly ever use the card. The man that I was speaking with was fairly pleasant through the conversation. I was not understanding what he was telling me. He said he would transfer me to someone else. As he was transferring me to another person he began cursing in English and XXXX ( XXXX ), and said something about XXXX my mother. I was so shocked I did not say a word. Once I was transferred I asked if the previous conversation was recorded and explained what happened. He said it was recorded and that they would look into it. The second representative credited me my interest for the last month for my inconvenience. I do n't feel that this is enough compensation. I did nothing to deserve being spoke to in that manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One has ran my credit several times without my permission which has affected my credit due to the inquiry. I have at no time applied for or had an account with Capital One. I have written them on several occasions stating this and requesting removal of the inquiry yet they refuse to remove it and each time send me back an automated response about them having access to my credit file for promotional purposes. Well that is a lie because I have restricted and opted out of all credit card screenings. This is my last attempt for Capital One to remove the inquiries before I have to seek further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am a victim of credit card fraud or identity theft. I looked on my credit report and saw a bunch of different credit cards from capitol one and also saw some strange looking items from strange companies and a doctor office. I would like all of these credit cards and charges removed from my credit. please respond as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Kohls account from XXXX I was denied at the store and my XX/XX/XXXX credit report says I owe them {$390.00}. since then. I never had a store card from kohls until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ballybunion Enterprises, Inc
State: NC

Complaint narrative:
Freedom Furniture and Electronics closed all of it 's stores. I had XXXX line of credit with this company and when I added a computer and refinanced, they reported XXXX separate accounts for me to credit bureaus. They agreed over email and the phone to remove the 60 day late reporting in XXXX and XXXX of 2015 and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
CREDIT CONTROL SERVICE XXXX, phone # XXXX XXXX keeps reporting that I am past due on an account that was closed by the original creditor and was deleted from my credit report in 2016.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne closed my account without any notice on XX/XX/2107. At the time of closure there were many transactions which were pending, and Capitalone never issued me rewards earned for pending transactions. 
The rewards amount by the end of XXXX was {$14000.00} The rewards credited to my account during the time of closure are {$14000.00}. 
That means rewards earned for the month of XXXX before closure are {$470.00}. The total transaction amount for the month of XXXX is {$37000.00}, and we expect 2 % in rewards which is {$740.00}. With that said we still missing {$260.00} rewards. 
Since this account closure is done by Capitaone they should issue me rewards for each transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I got a phone call a week ago from number ( XXXXMO, USA which was Kohls asking me to pay for my debt that I owed to them, which is {$200.00}. I told them at the time that I could not afford to pay the bill. They asked me if I could make payments, and I told them no. ( side note I am currently waiting for my tax return and that was to exactly 1 week ago today. ) This past weekend I started to receive repetitive from phone calls from ( XXXX ) XXXX starting on Saturday. ( Sidenote : this is not the XXXX time I have gotten my multiple phone calls in XXXX day from a unknown number ; please see attached images of my phone log. ) I received XXXX phone calls on Saturday from XXXX XXXX to XXXX XXXX. I received XXXX on Sunday from the hours of XXXX XXXX to XXXX XXXX. Today Monday, XXXX XXXX I received XXXX phone calls between the hours of XXXX XXXX and XXXX XXXX. I have already told them in the month of XXXX that I am unable to make a payment to them, yet I still have been receiving phone calls from them. I understand that I 'm not answering my phone but I work XXXX so I m not going to stress myself or talk on the phone at work. Every phone call that goes to voicemail is just dead air it is really getting on my nerves. 

Over the past month from XXXX XXXX to today I have received a total of XXXX phone calls from XXXX different numbers. The other number is XXXX XXXX XXXX XXXX. 

It is unbelievable how many times they have called in less than a month. XXXX was just as bad in XXXX. XXXX phone calls. I never answered their phone call. I ca n't make them any sort of promises right now. But the phone calls from them came from numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They stopped calling on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: LEXISNEXIS
State: WI

Complaint narrative:
XXXX is my insurance company, who uses credit ratings to calculate annual fees. I requested a copy of the report they used in preparing my renewal. They sent me to a company called 'LexisNexis '. LexisNexis sent me a copy of my driving record - but not the credit report ( though I asked for the credit report ). The paperwork they sent me is very sketchy and does not tell me how to get the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX, 2015 I contacted Capital One Auto Finance via online message. I advised them I was ill and in the process of going on XXXX and that I wished to make arrangements to satisfy my contractual obligation to my auto loan. I advised them I could continue paying monthly once my XXXX payments begin and asked to defer a payment or for help with an arrangement. They responded and advised me to call in and request the deferral and arrangements as well as offer to fax my medical documentation. I did as they asked, and was told that even though I am past due 1 payment, I do not qualify for any hardship plans or assistance. I have made numerous calls to Capital One asking for help with an arrangement and am constantly being told I do not qualify because I am not past due enough. I have been encouraged by Capital One Auto finance to fall further past due as I may qualify once I get more than a payment past due. It is my opinion that Capital One Auto Finance is violating my rights under the FDCPA by misleading me with different information each time I call. Further, why would a lender encourage a customer to fall behind which will generate more late fees and financial stress? I got a letter post marked XXXX/XXXX/2015 accusing me of not honoring the contract to pay on time. The letter further states " while we have accepted late payments in the past, we did not waive our right to enforce the contract ''. It goes on to state they intend to strictly enforce the contract in the future and threatens to exercise its rights to " accelerate the debt and repossess the collateral ( the car ). '' This statement is an obvious violation of FDCPA as it threatens the consumer with misleading reporting, collection tactics and consequences. Further, this letter accuses me of being in " default '' when I simply past due 1 payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
I defaulted on my loan and they tried cashing the check for the full amount after I had already paid part of my balance down and my bank will not cash it if the money is not there. I get hit with non sufficient funds fees every time losing XXXX dollars everytime. Making it harder for me to repay them back. I have XXXX loans out one at XXXX and one at Advance America. I will never be able to pay them back if I continue to lose money for NSF fees on top of the ridiculous fee for taking the loans in the first place to repay back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Collector XXXX called for a debt- he did give the mini miranda. However, I did not get a letter giving me the opportunity to dispute the account. He said my account was placed with them on XXXX/XXXX/16 I said I spoke with the original creditor a few days ago and worked out an agreement. He still demanded payment. I asked him to consult the original creditor XXXX XXXX work and he refused stating it is my job to provide documentation of conversation. I told him contact them and get me the initial dunning letter and he said no- I stated I was in the process of filing a complaint then and he transferred me to a supervisor XXXX XXXX . He stated they actually got the account on the XXXX and the letter was today and it is XXXX in the morning which means there is no way it is in the mail at this time regardless of time zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This feels completely wrong and I do not consent to USAA sharing any of my information at all. The sharing of any of my accounts as a direct and proximate result of you, USAA, Furthermore, this warning is a rejection of the modification presently and unilaterally proposed by you, and any action by you to close my account due to my rejection of the terms herein proposed will be responded to by me with a class action lawsuit for XXXX XXXX of Contract, violation XXXX, etc. Thanks Please communicate by mail only, do not call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I contacted the customer contact center to discuss alternate payment methods. I went through an interview process discussing monthly expences. At the end, they concluded the amount owed vs what the income was, was higher, but they could not lower my payment. When I asked how that made any sence, if they see obviously the gap in income vs debt, the gentlemen in the collection area became defensive and basically told me its my own fault im in the position I 'm in, and they ca n't help. When I asked to speak with someone else to get another perspective, he refused. So I asked for his name so I can discuss with someone in their executive area, and he stated it was n't necessary and hung up the phone. How am I supposed to work with my creditors to honor my obligations when they act in such a manor?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation