vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Found an offer on XXXX to open a Capital One 360 account and receive {$400.00} after receiving two direct deposit of {$250.00} within XXXX days. Opened XXXX accounts, one for the wife and XXXX for myself. No where on the offer is it stated that this offer is targeted to specific individual. After going over with multiple CS, they keep saying that this was a targeted offer and only available to a select few. XXXX accounts have not seen a single penny of {$400.00} and only seems like a way to dupe us into opening and maintain new accounts since we have already switched our DD at work

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I do not owe this debt

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
1 ) On XXXX/XXXX/2016 I experienced ID theft ( see # 1 ). Several contacted me to make sure I had intended to open new credit cards, and I said no. However, on XXXX Capital One Bank did not contacted e and opened a credit card in my name ( see # 2 ). 
2 ) If this complaint can also address an unsolved case, this tie in relation to a fraudulent mortgage payment that still, as of XXXX XXXX, 2016 still has not been removed from my mortgage bill ( see cases XXXX, XXXX and # 3 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-18 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had a credit card with XXXX bank. XXXX filed an judgment against me and then Capital One took over the account. Capital One said that they needed {$4400.00} to settle the judgment. I paid that amount with a Cashier 's Check on XXXX/XXXX/15. It was cashed on XXXX/XXXX/15. The judgment was supposed to be settled but as of XXXX/XXXX/2015 that has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one closed my venture card for no reason, I have always paid my balance within a month. I always use less than XXXX % of the credit that they provide me. They pulled my credit a few months ago to open my account, and now they are closing it and this hard credit check shows on my credit files. 
I had over XXXX reward points on the account that I did not use and they just went away.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Byrider Franchising, LLC
State: SD

Complaint narrative:
auto finance bank is now harassing me that I will go to jail. I got this vehicle XXXX months ago and have had nothing but problems with the vehicle smoking, breaking down, and now they said they will put a new engine in the vehicle, but now they wont and said they will come and get the vehicle, even though my payments are up to date. but ive had numerous harassing calls that are recorded, and texts of name calling and other things

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Someone was able to hack into my Kohl 's charge account and change the shipping address. They then used XXXX different old credit cards to charge XXXX items and have them shipped to the bogus address during the month of XXXX 2016. When I received the bill I immediately called Kohl 's. Kohl 's is currently working on the fraud case however I feel the practice of Kohl 's not deactivating the old card when a new XXXX is sent sets up the consumer for fraud. I was told to either not activate the new card or call and cancel the old card. The only thing that changes is the last XXXX numbers it is still the same account. I had them close every thing and they are supposed to send a new card. They also said they would not report anything to the credit bureau until the investigation was complete which could take up to 60 days. Kohl 's is aware that there is a Kohl 's Cash scam going on and they continue to keep old cards active. I also never received an email that my email and shipping address were changed on my account. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one sent me new cards with new numbers they did not have the info from my other card before doing it. All my payments and charges were all doubled on the bill. I knew I paid it off a few times yet they refused to acknowledged the payments made on the other cards. They have done it 3 times with XXXX card. Having no record when using paperless makes it easy for them to deny they payments it also helps them to rip people off if they think you have no record of the info. I think paperless is a nightmare.I have requested that they go over the bills 5 times now each time I pay more money it 's gotten out of hand. I am a XXXX woman my husband is XXXX we have no help with our problems. Please help me get to the bottom of my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has report 30 days late payments on my credit report for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX when i was never late in making payments to them. I had auto withdraw from my bank account with this auto loan so after speaking with a customer service rep they stated that they withdrew the money after the due date. I told the rep that, that was not my fault as i had it set up property and due to there mistake i should not be penalized. The customer rep responded with, they would not remove the negative reporting to the credit bureaus. Now i seek for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This company sent me a letter in XX/XX/2017, informing me that they closed my account, and that they have instructed the credit Bureaus to remove it from my credit report. It was removed, and now the company have added it back to my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: LEXISNEXIS
State: TN

Complaint narrative:
LexisNexis is reporting a tax lien on my credit filed that is not mine, I have to tried to contact this company several times and ca n't never get anyone on the phone the hold time on the phone is always long and never an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I closed XXXX accounts with my bank when I moved out of State. The bank acknowledged that I was closing the accounts and provided me with closing statements and checks for the remaining balance in the accounts. Apparently, the bank accounts were closed but the debit cards were not canceled. Subsequently there have been charges made against the closed accounts. The problem started when the bank notified me that the account was overdrawn because a charge on the debit card caused the account to be reopened and the charge paid. After speaking with the bank location where my old account was, the charge was reversed and the overdraft fee was forgiven and I was assured that this would not happen again. I then double checked to make sure there were no pending automatic payments with any entity I conduct transactions with. Since then there was another transaction with the same results. This time the bank can not tell me who charged the closed account other than " an international transaction '' and began pursuing me for payment. I then reported the new charge to the bank fraud department and again asked the bank why the debit cards still remains active. The customer service rep then said it would be a couple of days for the card to become inactive. After many phone calls to customer service, not only have they failed to close the debit cards, there are more charges being applied to this closed account and they are again pursuing me for payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened up this credit card in 2008. I have never been late on a payment. The majority of this debt was consolidated date because I had a 7.79 percent rate on this card. I always paid double the amount of the min payment. This last year I have been working hard to get other debt with higher interest rates paid off so I reduced my payment to the minimum on this capital one card. My payment was {$250.00}. I went out of town for a period of time in XX/XX/XXXX and XX/XX/XXXX and my bank makes the payments automatically. Unbeknownst to me the min payment went up {$3.00}. So in XX/XX/XXXX they received {$250.00} instead of {$250.00}. In XX/XX/XXXX ( I was out of town and did not know it was {$3.00} short ) They received {$250.00} instead of {$250.00}. I got back and realized they have raised my APR from 7.79 % to 24.99 % over a shortage of {$3.00}. I called and asked them to reduce it back considering my history of never being late and simply because it was not ethical to raise the APR to 24.99 %. I will never get out of debt paying this rate. I spoke to XXXX different people over a period of 3 hours. The last person XXXX ID # XXXX basically said she knew and understood what had happened and she knows what I want ... to have the rate lowered back to the original..but she WAS NOT DOING IT. It is not a matter of the dollar amount agreeing that {$3.00} was a meager amount to be short but rather that I was short twice and that it was not worth saving a good customer over {$3.00}. She was a horrible customer service rep. I wonder if Capital One really does not value good customers as she portrays. I want the interest rate reduced back to what I deserve having always paid on time. I was not " Late '' on a payment I was short {$3.00}. That does not warrant raping me financially. I owe Capital One {$15000.00}. They stand to make a lot of money over a {$3.00} mistake and this should not happen much less be legal business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One account was closed by Capital One, earlier, than sold to XXXX, put in collections, I disputed, they removed in XXXX and put it right back on again the same month. 
this account was over 7 years old and was dropped by Capital One. for {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Urgent! 
1. The BANK FORECLOSURE SALE is scheduled for XXXX XXXX, 2016, in three weeks! 
2. The bank is not cooperating with me. 
3. The bank is sabotaging mortgage modification by delaying and requiring more irrelevant documents. 
4. That 's the only roof for my XXXX kids and me. 
5. The bank is causing me severe hardship. 
6. The bank is forcing me to file bankruptcy. 
7. My ex-husband is the borrower on the mortgage and I am the co-borrower. 
8. I am employed and can afford monthly mortgage if it is modified. 
9. I definitely qualify for Obama mortgage modification program. 

I am still in the process of divorce, a XXXX single mom, with XXXX minor children, need your help to save the roof for my kids and me. 

My ex-husband and I have been the owners of the house for almost 20 years. 3 years ago he left the house without any child/spousal support and any help to pay mortgage. The house was put in foreclosure with the BANK FORECLOSURE SALE scheduled XXXX XXXX, 2016 regardless the fact that I found a good paying job, working from home due to my XXXX, and was successfully paying mortgage for many months. 

A couple of months ago the bank told me that foreclosure could be postponed if I apply for mortgage modification but they keep on asking for more documents. I did apply and by now I have submitted close to XXXX documents. In addition, now the bank is asking for my ex-husband 's tax return and income and expense, which he refused to submit. He is unemployed currently and has nothing to do with my mortgage modification application. I am financially sound and I am the one to apply for mortgage modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I have written several letters to this debt collector to validate my debt. So far, I have received no response from the debt collector in order to validate this debt to resolved it in a timely manner

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Cap 360 sent an email on my personal savings account to a family member without my permission and refuses to remove this email address. This has never happened in the past and I have requested they show me proof of removal which they refuse to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
the creditor has contacted and spoke to us 4 times in one day and threaten us each and every time they call and talk to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In XXXX of XXXX Cap one Finance sent me a auto loan " Pre-approval '' letter which stated they had interest rates as low as 2.3 %. I had called Capital One Auto Loan callcenter XXXX during that time asking them what interest rate I was approved. Each time I called they instructed me to take the Capital One pre-approver letter to the dealer of my choice. I took it to XXXX XXXX owned by XXXX XXXX in XXXX XXXX State. 
I was told the only interest rate quoted by Capital One Auto Finance was 16.990 %, I was also told by XXXX XXXX that Capital One Auto Finance would refinance this loan to a lower interest rate after I showed XXXX year of ontime payments with no late payments. Capital One told me in XXXX of XXXX they do not refinance their own loans. 
I have paid this huge interest rate for 15 months now with no late payments and I have only paid {$2900.00} off the price of the car while paying a whooping {$4900.00} to Capital One Auto Finance in interest. This is a Predatory leading loan and it sets me up for failure as my employer has laid off XXXX employees this year with announcements to lay off in XXXX XXXX. 
Also, I tried to re-finance with several companies such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX AUTO LOAN and all of these companies tell me that I am in a predatory loan and the payments I have made all went to interest profit for Capital one and the owed to value of the car exceeds their criteria to refinance. So after 15 months of on-time payments I owe more than the XXXX FORD FOCUS is worth because I paid {$4900.00} in interest and only {$2900.00} to payoff. 
In the event I am laid off this year I will default on this loan with this high payment of {$580.00} a month. I need Capital One Auto finance to drop my interest rate to a non-predatory rate to be no more than 8 %. Please review documents that prove I have paid on time and have no late payments on my credit report for the last 15 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Agency will not provide the correct documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received two phone calls from the 'capital one ' fraud department to verify I had attempted to open an account. I had not and do not have an account with capital one. The number I am worried about is XXXX. I asked them to somehow verify they are capital one and they said 'they 've never received a question like that and couldnt '.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have XXXX credit card accounts with Capitalone, accounts ending in XXXX and XXXX, XXXX shows as restricted, not sure if closed or not. Please note, I believe this is a deposit account and need security deposit refunded if so account is in fact closed. The credit line is XXXX and I believe this is the amount of deposit left. Account ending in XXXX is past due and payment is scheduled in the amount of XXXX on XX/XX/XXXX, not sure if this account is also closed or not. If it is open, I will need a new card sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I continue to receive repeated calls from this number. They claim to be Capital One and they call XXXX to XXXX times a day, 7 days a week, and it is beginning to be disruptive and unacceptable.

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

Complaint narrative:
I filed bankruptcy on XXXX/XXXX/2015. I check my credit reports and my XXXX and XXXX reports are both reporting inaccurate information. Capital One is reporting a XXXX late payment for the month of XXXX and a 30 day late payment for XX/XX/XXXX on both my XXXX and XXXX reports after I filed my bankruptcy. My bill is due on my Master card ending in XXXX on the XXXX of each month and on the XXXX of each month for my XXXX card ending in XXXX, Capital One is reporting on my XXXX report that my discharge was file on XXXX XXXX 2015, which is inaccurate. I have included a copy of my Notice of Bankruptcy filing for verification. I have called Capital One several time to have them to updated. They have updated but not the correct bankruptcy file date and they are are reporting me as being late. I have never been late with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Loan originator gave contradictory information, which in effect caused the loan to be denied. I am in the process of buying a house in a different city. I was told that having a job in my current city would not suffice, and that I would need to be employed where the home was located. I was told that documentation showing a transfer with my current job, or an offer letter from a new job in the city where the house was located would be acceptable. I received an offer of employment in the new city and provided the documentation showing my start date ( 3 days after the date of closing ), and my expected salary XXXX an increase from my current salary ). Capital One waited over one week from the time the offer letter was submitted to them, in order to notify me that they would need a paystub from my new place of employment before closing on the loan ( this was over 3 weeks from the time of the application ; and more than one month from the initial contact with the bank ). They did not want any other means of verification. I knew from speaking with other lenders that changing jobs would be an issue, and so I SPECIFICALLY ASKED the loan originator what the bank 's process was. He failed to mention that a paystub was required when the question was SPECIFICALLY ASKED upon applying for the loan. Had they even given the slightest indication, the faintest hint, that this would be an issue, I would have started the new job prior to close and been able to provide this documentation. Due to their lack of guidance I was not aware of this requirement, and because to the company 's pay schedule, will not receive my first paycheck until 3 weeks after the scheduled closing date.. Now I have to find somewhere to live in the new city so that I can start this job, I will probably lose the house if it is put back on the market, I am out all of the money I paid for credit checks and appraisals, and I have wasted one month in finding a new home.

Company response to consumer: Closed with explanation