vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX, 2015, I contacted Capital One regarding my secured credit card account. At that time I spoke with a representative regarding payment arrangements due to my unemployment status. The representative stated that if I made a payment in the amount of {$15.00} it would prevent the security deposit from being applied to my account and the account closed. Furthermore, the representative stated I should make payments in the amount of {$25.00} to bring my account balance in order. On XXXX XXXX, 2015, I checked my account and noticed that my security deposit was applied to my account on XXXX XXXX, 2015. I immediately contacted Capital One and spoke with a supervisor who stated Capital One would not reopen my account and the information provided to me on XXXX XXXX, 2015, was incorrect. I found this response to be unsatisfactory as Capital One should honor the information provided to me on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In XXXX of 2013 I applied for a " Sony '' card with Capital One after watching the TV show XXXX. I was going to have a XXXX in up coming XXXX and I was going to need a new recliner to assist me in the first month or so of healing. I was grateful for the card and there was no interest for the first year. 
My first several payments were substantial, and they almost immediately raised my credit limit from {$500.00} to {$3500.00} within two or three months of my making payments well over the minimum. 
Now I live on a fixed income and this card was tempting to have because many months I have to resort to using the food bank just to have enough to eat each month, so I used the card, and I used it often. Now my balance is over {$3000.00}, but I have managed, with the help of taking in a boarder to increase my income and therefore continue to make hefty payments every month. They are XXXX, XXXX and sometimes XXXX times the minimum required. My interest, once it began to kick in is 24.9 %, yet I keep making the big payments. It is hard to get the balance paid down to a reasonable amount because of this hefty interest. I have called XXXX times in the last almost two years, trying to get them to lower the interest rate, but each time they tell me no. They tell me that the interest rate only goes down with " special offers '', yet in the almost two years I have had this card and been paying huge payments, I have never been offered a lower interest rate. 
This company is raking in XXXX, yet they ca n't lower my interest rate from 24.9 %? I am on social security and only earn $ XXXX month. In the winter, when my heating bill rises to over {$200.00}, my average cost of living per month goes from just over {$770.00} to well over {$920.00} and that leaves very little for gas and groceries. I also receive food stamps, but for some reason, I only qualify for {$15.00} in assistance, so that is not of much help at all. 
Why wo n't this company reduce my interest rate? I have proven that I can make adequate payments, even on my limited income, yet they refuse to decrease their profit margin made on the back of some poor XXXX retired XXXX. I think it sucks ... ..but it sure seems to reflect the greed and avarice that permeates the climate of this country as of late. 
It will take me years to pay this off at this enormous interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One has refused to update my credit report by removing the " In-Dispute by Consumer '' or " Account Disputed by Consumer '' and it is delaying the purchase of my new mortgage. I have EXCELLENT credit scores averaging XXXX across the board, with NO derogatories, and this In Dispute status is costing me from being processed. I spoke with XXXX different people at Capital One credit card in the past 2 weeks and each person said that they would send something forward to remove the status and there is no change. I understand that pursuant to the The Fair Credit Billing Act requires that you list correct statuses of my accounts on ALL XXXX major bureaus, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner. 
The account in question : CAPITAL ONE BANK USA, or CAP ONE Acct # : XXXX. There is nothing to dispute since there is no negative history, no incorrect balances, and the items are reporting positively. This is just laziness. For that reason, Capital One must forward a notarized statement on your letterhead which will attest to your compliance to the FCBA and FCRA generally and to my account specifically throughout the period I have been a customer. Otherwise, delete the negative marks you have reported to ALL XXXX consumer reporting agencies within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: IL

Complaint narrative:
COLLECTOR KEPT CALLING MY PHONE NUMBERS IN VIOLATION OF TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After XXXX rounds of credit bureau disputing Capital One has failed to comply with the FCRA and updated status dates/dates of last activities as well as posted brand new delq dates. This is really having huge negative impacts to my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had my capital one Mastercard since XX/XX/XXXX and the payment protection plan but was never told of the benefits and I was out of work from XX/XX/XXXX until XX/XX/XXXX. Then thought it was cancelled but it never was. I called in XX/XX/XXXX when XXXX but was never told about unemployment or XXXX protection just hardship. 

I also have a journey card have had for past 3.5 years. I had plan put on that but when I called today it had never been activated. When I called today because I have been out of work still for XXXX and unemployment they said I was never put on and that ca n't get anymore. 

I really need and needed the help to pay with bills and credit cards since had to put food and things on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I also hold the Capital One business card something happened funny about this situation to cause me to lose my whole bank account cleared my account and took my {$50.00} and would n't open my account said I need to pay {$50.00} again in the corporate office reported that nothing was wrong with my account they had fixed everything back the way it was the bank say I do n't owe them nothing but I have a big amount right there showing that they sell old money and when I 'm clear day old XXXX XXXX card in the name of XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was told that this old account was re-aged and sold to XXXX XXXX. I contacted XXXX XXXX and worked aggressively to pay this off within months by making doubled payments and large debit amounts as agreed by payment plan with myself and XXXX XXXX. I made the final payment before the plan was up because the rep and Account Manager told me the file would be closed and removed from my credit files. I have never received correspondence from them as paid in full or it removed from my credit files. I have sent them numerous goodwill letters and they have never responded. I would have never paid them in full and before the payment plan was up if they never agreed to remove this from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
After my recent divorce I changed my name back to my maiden name. On XXXX, 2016 I called Capital One credit card to make the change and was told that I had to speak with a supervisor. When I was connected with the supervisor I asked why I needed to speak with her and was told that there was a Cease and Desist order on my account by an attorney XXXX XXXX. They could remove immediately, of course. This was my ex-husband 's attorney. I asked how this attorney could do this when my ex-husband had no financial ties to this account nor had I been notified that this order was being placed on my account. While looking for the information I was disconnected. I spoke with my attorney the next day and she was very upset that this had happened and told me Capital One had no right putting the order on my account. She asked me to get a copy of the order. She is contacting the other attorney and getting information from that end. I called Capital One back on XXXX XXXX and after a lengthy on-hold I was told they could not find a written copy of the order, that it must have been given over the phone " verbally ''. I could however make a request " in writing '' that they continue to look for a written copy. When I asked them to explain exactly what this Cease and Desist order was they were very vague and what they told me made little sense. I feel as if my privacy was seriously invaded and I will be cancelling this credit card as I no longer feel safe with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
My loans were taken out to attend XXXX XXXX XXXX XXXX from XXXX. I believe the school acted unethically in disbursing my loan by forcing me to ask permission to receive my funds which were designated to be used for my education and living expenses. I also believe that the school did not provide credit counseling to me in an ethical or timely manner. Furthermore, I believe my first loan servicer did not assist me in ensuring that my debt would n't triple. What began as approximately {$26000.00} in loans has surmounted to over {$70000.00}. The balance is augmented drastically due to high interest, collection fees, and bank fees. I would like an investigation into the matter, so that I am able to see an end to the debt. At the rate I am paying now, I will be unable to ever repay the debt in full before my death.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One sent an optout letter that I did n't received. I called the first cycle that the rate went up and they refused to do anything about it. Them my business got hit with storm XXXX causing me to lose 70 % of my income, for the past 2 years tried to get help from them and nothing, actually the opposite, they raised my rate. A bank taking advantage on a tragedy since I keep making payments but I 'm falling behind trying to avoid charge off, but C.One do n't care because they are still getting payments. The other XXXX banks I do business with got a program right away for me and almost done with the accounts. Chame on CAPITAL ONE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am a victim of identity theft and someone made unauthorized inquiries for credit with my information. XXXX were made under my name to Capital One Bank on XXXX/XXXX/16 and XXXX/XXXX/16. And I am asking them to please delete them. The credit bureaus state they can not remove them unless Capital One gives them permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There was fraudulent activity on my account where I had money ACH transferred out of my Capital One savings account into some prepaid debit card account. I made the calm to Capital One, I never head from the investigator even though I left multiple voicemails and a few months later I got a letter saying my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a secured credit card with my own money with Capital One and later decided to close the account because they were charging high interest on my own money. They close the account and report a balance of XXXX on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I wrote this to Capital One Customer relations using an email address given to me by a powerless " supervisor '' Dear Sir or Madam, I am extremely frustrated with this company and its customer service or lack thereof. Your supervisors do n't answer questions rather they parrot what they have already said over and over and over again as if I am deaf? The supervisor insists she does n't have a boss!! I have a reservation I made using my reward points. I chose the wrong date inadvertently as I am trying to meet a group in XXXX. For a variety of reasons including a prolonged recent illness, I misunderstood the information that they gave me and made the wrong date on the reservation reservation. 
I need to fly the same route and times on XXXX XXXX instead of the XXXX to meet the group when they arrive. I am told now that I can not change this reservation. No where did it say I could n't do that within the information your message sent to me. 
I was sent this email confirmation with links offering to change or cancel that have never worked. I thought it was my ISP provider XXXX issue thenI thought it might be your website. so after many tries to use these on several different days today I called. 
After over 4 hours on the phone with Capital One- XXXX service today, I am NOW told that I can not change this reservation though the request is very simple move the flight date by 24 hours. No where was that information offered before this. In fact there are non working links to change or cancel the reservations with generic statements that say some reservations can not be changed. It does not say this in my confirmation regarding my reservation. 
It does say no refund right up front. I do n't want a refund. I have spent more than 2 hours on this at this time though I feel that my personal time is truly of no value or concern to Capital One. I am a customer in good standing. I have never been late with any payment. I respond with each request to verify charges promptly. I notify before leaving the country. I would very much appreciate hearing from whoever has the power to do anything in order to get me the flight on the XXXX or to reinstate my rewards points which I was told by one agent can be done such that I may make a new reservation. Of course the person I was passed off to would not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25 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:
I requested account closure and the company has failed to comply with my request. They respond by not responding!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I once had XXXX Capitol one credit cards. XXXX for XXXX and XXXX for XXXX. I XXXX an during my XXXX I missed a payment on the lower card. I called them immediately and they understood completely. I paid the card off on the phone and closed it. In return Capitol one removed the negative from my XXXX and my XXXX credit report, but left it on the XXXX. I called and ask that they remove it and they refuse. According to the law if they remove it from one they must remove it from all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Kohls Credit Card Department offered me an option to keep my credit account which was past due open, they stated through every communication they were Kohls department store. In XXXX of last year they convinced me to go into a payment arrangement for XXXX months at which time it would catch the account up and all late payments would be removed from the account. After the last payment was made I continued to receive calls and informed them the arrangement that had been made with their agents and was informed that the card was closed and that I could try and reapply but otherwise it would remain closed, which was not what i had originally agreed upon when i made the arrangement with them. I told them before I would even consider anything else I wanted a bill, which i never received. Now they are harassing me saying the bill is over the amount i had already was supposed to have paid off because they added late fees yet again because they have not sent a bill. So now I was conned into going into an agreement with them which i honored to get use of my account back only to have been lied to and the account closed, and they continue to harrass me on my private cell line after being informed to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX I get a letter from an attorney saing or warning me that a creditor is about to sue me, and that he is willing to help fight it. Then in the next XXXX of days I get a letter form HSBC Bank Nevada , N.A . that I should call them or they 'll be forced to settle a judgement in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: SCS Credit Corporation
State: IN

Complaint narrative:
In XXXX, I was informed that a ex-boyfriend was using my credit information to obtain several car loans and furniture. He obtained XXXX car loans, which were all repossessed due to his inability to register them with motor vehicles. At the time, I had a protective order due to past domestic incidences which he served time in jail and was released in XXXX. Because of the protective order, I was contacted by the police when they found the abandoned vehicles to check on my safety, and then subsequently found out about the several car loans and furniture accounts that were opened within a month or XXXX of each other. XXXX of the car loans were taken out at the same buy-here-pay-here dealership, which I 've worked with the credit bureaus to clean up the information on my credit report from all the fraudulent accounts, names, addresses, and more. All but XXXX of those accounts have been removed from my report, since the person was convicted of fraud and sentenced. SCS Credit was the dealership that sold XXXX cars to this individual and has only removed of the loans from my report, despite the official police paperwork that was submitted to them. I have been trying to purchase a home for the last year, but this last fraudulent account is the only issue standing between me and my XXXX home. I just had my XXXX child and would love to be able to purchase a home and this issue has kept me from doing so. Since the information that was used to open the account was all fraudulent except for my name and SSN, they state that they would be unable to speak to me about the account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX/XXXX/2015, I called Capital One to inquire why my card repeatedly declined. There had been a hold placed on the account regarding charges it felt could be fraudulent, but I had made the charges. I spoke to XXXX, an account specialist who lifted it after verifying pertinent information, and who said he 'd lift the hold, but it was n't lifted. I called back, but I could not remember my password, as I just get out XXXX two weeks ago, after having a long stay. I spoke to XXXX and subsequently XXXX who put me through the ringer, doing verification, passing all questions ; and, yet, they still demanded I send in proof of who I am, though by at that point I had remembered my password and it was verified. I went through a long verification process and passed, though XXXX LIED and said I did n't. I HAVE NEVER LIVED IN ARIZONA, SUCH QUESTIONS LIKE THIS WERE ASKED!! This is nothing but harassment. I just got out XXXX, and I am still very sick. XXXX had the audacity to tell me go out and apply for a state ID, as in NY you are not required to have a state ID. Here I am, sick, and this XXXX tells me to go get a state ID and send that in, after she had put me through a very long, longer than usual, verification process!!! This is nothing more than senseless harassment and ABUSE from these XXXX dogs, because they, literally, uncalled for, put me through XXXX! This is why I am filing a complaint, because there is a hold on my account and it is totally unnecessary, because despite repeatedly telling them and the notes showing XXXX verified who I am and was supposed to remove the hold, but he did n't who the system failed, they would n't budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I do n't even have a XXXX credit card nor even used it so I do n't see why they put me in collections because of this

Company response to consumer: Closed with explanation