vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
Several months ago, I started receiving calls on my home number from an organization known as Turner Acceptance. I promptly returned the call to find that they are looking for another individual who has the same name as me, who has defaulted on a loan for a XXXX. I do not won a XXXX, nor have I ever. I pulled my credit report to ensure that my identity had not been compromised. Nothing unusual was present on my credit report. I informed Turned Acceptance that I was not the individual they were looking for. For approximately one week, the calls stopped. Then, about 10 days later the calls started again. I informed them that I am not the individual they are looking for ( again ) they indicated they would take my number out of their system. A month went by and I started receiving the calls again. This time I spoke to a manager and explained the entire story to him. I also told him that I the harassment did not stop that I would file a complaint. The manager instructed me that " I did not have to repeat myself '' to which I responded that " clearly, I do, because I 've had the same conversation now at least XXXX times ''. If I receive any additional calls from Turner Acceptance for this " debt '' which is not mine, I will be filing a complaint with the Attorney General and the States Attorney. This is nothing short of harassment, and it needs to stop. Also, I refuse to give this organization any additional personal information. They repeatedly ask for my address, date of birth and other information that they say " will be used to collect a debt ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have several Kohl 's cash I have been trying to use because they expire on XXXX/XXXX/2016 ; XXXX/XXXX/2016 ; XXXX/XXXX/2016. 

I have been billed on my Kohl 's Capital One credit card {$9.00} for order # XXXX ; another {$9.00} for order # XXXX ; and yet another {$24.00} for order # XXXX. I received an email from Kohl 's representative XXXX XXXX XXXX stating " XXXX, I have verified that your order was cancelled due to information mismatch ''. Consequently, we re-entered the information correctly so there was no " mismatch ''. Still ca n't get the order processed before the Kohl 's cash expires. Very frustrating. Have over {$100.00} of Kohl 's cash that needs to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The summon was served to my ex roommate instead of me so i never received the summons. Now the credit card company has a judgment against me because I apparently " defaulted. '' What is my best course of action at this point? Discuss repayment however there is additional debt they claim I owe ( which 90 % are penalties ), or file for BK? Would disputing the judgement be an option since it was never served to me? This is the only neg that is still showing on my record all of my other revolving debts are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to inform the Consumer Financial Protection Bureau of discrimination on the part of Capital One. Their company can and will remove derogatory information, which is accurate, from consumer credit files. I am aware of several people who have had success submitting goodwill requests to their executive office. They have gotten late payments, even charge offs removed from their credit files. If Capital One denies this occurred, or that it continues to occur, I would be happy to provide documentation showing that it did and does. For some people, present company included, Capital One will respond saying " the information being reported is accurate. therefore, we are unable to remove or modify it. '' I have gotten this cookie cutter response multiple times from different people within their company. It is frustrating because I know for a fact that is n't true. Their company can and does remove negative information, which is accurate, for some of their customers. I personally know of several, so there are likely a lot more. XXXX people can contact their executive office with the same request to remove negative information from their credit files. XXXX will get approved without any challenges, the other will get denied with Capital One claiming they do n't modify or remove accurate information. Even the guy I spoke with today at Capital One did n't deny that Capital One removes negative information for some people, but not for others. He would not elaborate on how they come to their decisions. This has me concerned because it 's entirely possible, even likely, that Capital One is engaging in discrimination. How can they say they 're not? If XXXX people submit the same goodwill request requesting that Capital One remove negative information, and XXXX is approved while the other is denied citing the law or their own policies, how can they say that is n't discrimination? There is some set of criteria they are using to view XXXX customers differently, outside the scope of their goodwill requests. I would like to know what that is, and the public has a right to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX, Owner of XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX requested a HELOC on his property. Maximum on that loan was {$45000.00}. When he went to sell the property, Capital One ( second lien holder ) indicates {$95000.00} is owed. They wo n't explain why the amount has increased so drastically other than a generic letter stating " he owes the money ''. I am a licensed Realtor/Broker and have a Power of Attorney to work on his behalf. I am completely at a loss to get any information from Capital One, and do not understand how the real estate records can indicate a lower amount is owed, yet the Loan PayOff Statement indicates almost twice that amount is owed. There was no re-finance, no second appraisal, the consumer signed nothing, and he claims fraud on the part of the bank. I have plenty of documentation to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
My wife, XXXX XXXX, has been told numerous times by Capitol One representatives that her annual fee can be waived if she calls in by a certain date and requests such. This has been done numerous times over the past few years. This time she called in and spoke to an escalation specialist who told her that this would not be possible, despite what she had been told by previous representatives. XXXX asked that this person speak to her husband, XXXX XXXX. The escalation specialist refused to speak to XXXX, stating that XXXX would need to perform some disclosure that he never actually requested. When asked what would be required, he refused to say, even after XXXX requested the disclosure. He absolutely refused to continue the process. When asked to speak to a manager he stated that there was no one higher up in the company that we could talk to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i applied and was approved for a capital one secured credit card XX/XX/XXXX. I cancelled this card a few months ago, around XX/XX/XXXX XX/XX/XXXX, They informed me i would receive the {$300.00} back unless there was an outstanding balance. They indicated to me that I would receive a check for aprox. {$85.00}. Because of the outstanding balance. I never received a check so contacted them today XXXX/XXXX/XXXX. Now they are telling me that i was only getting {$150.00}. of the {$300.00} back. My complaint is I was informed that I would receive the {$300.00} back from my security deposit, now they are stating the the other {$150.00} is for other fees, of which I have no idea what they are talking about. I feel they owe me {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
closed acct under chpXXXX bankruptcy still showing under my XXXX credits bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital one approved a pre-authorization of a loan, had to pay {$400.00} for appraisal, this has been done twice once XX/XX/XXXX, and XX/XX/XXXX. Both times refinancing seemed duable, only to find out I got denied again by capital one. They did n't approve a modification nor a refinance. I do not not where to go from here being that my note was sold to capital one from a lender that was predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had XXXX credit card accounts with Capital One with {$300.00} credit limit or so on each XXXX of them. I set up auto pay through my bank account to pay off the balance at {$50.00} dollars a week until they were paid off. I received a bill in XXXX 2014 saying I owed a little over {$90.00} or so on each XXXX but I did n't worry about it because I had it on auto pay. A couple of months later I get a letter in the mail from a collection agency saying the cards were charged off. I contacted Capital One to let them know that there was a problem with the bill pay system that I was n't aware of at the time and they decided to remove the negative accounts from my credit files even though it 's still reporting on XXXX. I wanted Capital One to remove the late payments and charge off status from the accounts because I never paid late on those cards for almost two years until this incident. I would like for Capital One to place the cards on my credit file with all late payments removed and a paid as agreed status and give me the opportunity to pay the {$180.00} to {$210.00} I owe on both of the cards collectively. I got those cards to boost my credit score and kept up the payments. Removing the cards from my credit file did n't help me at all and it feels like I put in two years of hard work for nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03 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: PA

Complaint narrative:
I have paid on a yamaha credit cart for 7 years,XXXX a month, applying XXXX extra on a XXXX a mth bill, i paid close to XXXX and they say i owe them XXXX on a XXXXloan. they sent the debt to XXXX XXXX, and they call at least 6 times a day, as late as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
due to being sick with XXXX i was unable to make several payments to my credit card with capital one. my card was then restricted. i then made an arrangement to make 3 payments in 3 consecutive weeks to get my card under limit and it will unrestrict my card. once i called to ask to get it unrestricted they so " no im sorry we cant do that but what we will do is make you pay another XXXX payments and then we will unrestrict your card. " So i made one more on time payment above my minimum and had it set up on auto pay. I made a mistake on there Mobile app with one digit off on my account number. once notified 3 days after the due date that the payment was not processed, i called immediately to make my payment over the phone. they then told me that the arrangement will not be honored, and that i have to continue to make my minimum payments with out paying my account in full in hopes that another arrangement may be offered to me but no promise. so now they have me in a position that if i pay my full balance my card will be shut off, or continue to make my minimum payments and pay the interest in hopes of them offering me a offer of unrestricted my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
From XX/XX/2016, to XX/XX/2016, no Capital One Bank personnel or emails/correspondence ever corrected the unfair, incorrect, confusing, misleading, misinforming and confirming information I was given by a Capital One XXXX number customer service representative on XX/XX/2016. I was unfairly, wrongfully, incorrectly, misled, misinformed and confused to believe that several consumer reporting agencies were used to determine my credit score and no Capital One Bank personnel ever informed me that statement was totally unfair, wrong, incorrect, misleading, misinforming and confusing and because of that very simple fact, Capital One Bank must and should remove all of the Capital One Bank related inquiries on my XXXX credit file. I 'm looking into all of my legal options and I do plan on suing Capital One Bank for personal financial damages, improper, confusing, misleading and misinforming business practices, tactics, information gathering, investigating process, information provided to me and representation of product.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a letter from capitol one stating they believe it was fraudulent to contact them ... I called them n it was a credit card open in Florida n they closed it n told me it will be off my credit report within 30 days ... I just it n it 's still shows an acquire ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Capital One credit card has been placed into " Account Restricted '' status for over a week. Capital one had no good reason for initially putting the account into the status, and has refused to remove it. When I initially called the fraud department to discuss the matter on XXXX/XXXX/2016, the fraud specialist wanted to verify some balance transfers that I requested. We were able to verify that no problem. 

However, that is when the problem started. They wanted to verify two payments I had made from XXXX separate checking accounts on XX/XX/XXXX and XX/XX/XXXX. We had to conference call each credit union to verify that the funds have cleared. For the payment on XX/XX/XXXX, we were able to do that without a problem. Unfortunately, the credit union that I made the payment from on XX/XX/XXXX does not verify information over the phone for account security. They suggested that capital one fax in a request for information and they would respond by fax. Capital One indicated this was not acceptable. Instead, the fraud agent asked me to send in a copy of a recent statement from the checking account. I provided that information to capital one, and called back a few days later. They said that the information was insufficient to remove the restriction and I had to provide transaction details showing that the payment cleared from the checking account. I did that, and capital one said that was not sufficient to remove the restriction. I also provided a letter from the bank indicating that I owned the checking account in question ( the letter had my name, my address, and the checking account number and was signed by a bank officer ). That was also not sufficient to remove the restriction. 

Capital One 's payment verification system is incredibly stupid. Their employees continuously blame me because the credit union wo n't give out information over the phone. At no time prior to the payment being made did Capital One indicate that this type of verification would be needed to accept an ach payment from a checking account. Moreover, they are unwilling to return the payment and let me replace the payment from a different bank that they can verify. In fact, I sent in bill payments while the account has been frozen with the hope that would be sufficient for Capital One. It was not, and there is now a large credit balance on the account. I have never had a payment returned, or been late with a payment on this account. Capital One had no good reason to initially put the account under review. They said something about my protection, which is a complete lie. Mind you, the payment in question was made about 3 weeks ago. The payment has not been returned and Capital One refuses to release the account restriction or tell me what exactly they need to do so. This behavior should be illegal ; as it is unethical for the company to treat me like a criminal despite having no returned payments or late payments on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 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: CCS Financial Services, Inc.
State: KS

Complaint narrative:
Sometime ago I had car insurance with XXXX, I had this insurance for about 2 months and then I decided to cancel my policy by phone, which XXXX recently told me did not happen, when I know I spoke with a XXXX agent to cancel it. I recently spoke with a XXXX agent and this agent asked me why I cancelled, even when this person at first claimed that they did not have a recorded call of me cancelling my policy. 

I told this agent that the reason why I cancelled was my choosing and an explanation from me as to why I cancelled was my business. 

Just yesterday, XXXX/XXXX/2016 I see that

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Hi I applied for a capital one credit card on XX/XX/XXXX and notice they ran Equifax and Transunion credit report. I also notice there is XXXX joint account for Capital one dated back On XX/XX/XXXX for both accounts, XXXX acct with XXXX debt and XXXX XXXX. I never had an account with capital one and never sign under a joint acct with anyone. Capital one is a crook and out to damage consumer credit. They listed Cap One Bank on XXXX inquire and Capital one Bank USA on XXXX on XX/XX/XXXX each why did they run more than XXXX credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
there were fraud checks deposited into my bank acct ( Capital One ) and an ATM withdrawl of {$480.00} that Capital one bank is holding me responsible for. the ATM withdrawl was done in IL. I called and reported my card lost and the fraud on my acct. Capital one is holding me responsible for the {$480.00} withdrawl that I did not make. they are also ending our banking relationship saying I am a liability. how can I fight this? All my funds are on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had a Capital One Account for at least 5 years. They gave me a {$1500.00} credit increase in 2015. I have always made my payments on time and never late, but in XXXX of 2015, I fell on my way to work for the XXXX in XXXX and XXXX. I was laid up for 4 months with no work. I unable to get workman 's comp because the injury happened before I arrived at work. I was able to get state XXXX but not enough to pay bill and rent. My only resource at the time was to use my Capital One Credit Card to survive and pay rent. {$500.00} in XXXX co-pays otherwise it would have gone to collection. I have ask Capital One to work with me to lower my Interest rate, but they have refused and just keep charging me interest every month so I will not be able to break even with this account in many years. Because of my high balance, my bank will not give me a consolidation loan to pay Capital One off and I ca n't get a credit card with lower interest rate. I do not want to loose this account because it will affect my credit and I have worked hard to bring my score up over the last two years. I am only {$2600.00} in Credit Card debt. I have to be at least XXXX before I can get any help. Please advise me what to do. I have this hanging over my head. I am back to work, but I am XXXX living on XXXX and XXXX retirement only. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
calling me 6-8 times a day, even after hours ( XXXX-XXXX ) and on the weekends as far as I know business hrs are Monday to Friday XXXX to XXXX, I ve already responded to them about payment ( which is fixed ) but they continue their phone tacticts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 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: OH

Complaint narrative:
We negotiated a settlement which involved removal from my credit report plus they were also contacted about the information stating the opened date was wrong. They have continued to report even though the settlement was for certain amount removal and corrections of the information of date opened. They have continued to do this with any debt they are issued instead of using the date the debt first became delinquent.

Company response to consumer: Closed with explanation