vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a XXXX Capital One Credit Card with a {$7500.00} cash advance limit and recently got XXXX checks in the mail with a promotional offer of 0 % for 12 months. That means that I can write out XXXX checks up to {$7500.00} and not pay interest on that {$7500.00} for 12 months! Only catch - the checks have to post by XXXX/XXXX/2016 and there is a 2 % fee for each transaction. FYI - this was all the information that was in large font with the checks. Great deal and just in time for XXXX shopping right!? ... ... ... WRONG! Feeling like this was too good to be true I did some digging online. Let say I had a {$0.00} balance on my card and never used it again during these next 12 months and only owed the {$7500.00} cash advance from the promotional check - all fine an dandy! I would have 12 months interest free to pay off the {$7500.00}! BUT, lets say I did grocery shopping and made an additional {$150.00} purchase after the check has posted to my account ... ... The new purchase would NOT have the 12 month period and would have the regular APR of 23 %. If I were to pay the {$150.00} at the end of the month to pay off the new purchases in full, it would automatically deduct {$150.00} from the {$7500.00} cash advance I took and NOT the new purchases. Meaning, all new purchases would be hit with a 23 % APR until the {$7500.00} cash advance was paid first ... ..If you understand the math this could be devastating if you did n't catch this in time and continue to make purchases on your CC ... You always hear about how Banks are shady but this is truly disgusting - baiting people into a financial trap knowing XXXX well it will be too late once they realize that they got themselves into.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I bought XXXX auto insurance through XXXX because XXXX gave discount to XXXX executive member, which I have been a XXXX executive member over 10 years. Everything was fine for a few years until I switched my auto insurance company to another auto insurance company. XXXX started sent me letter saying I owed them {$100.00}, I called to find out they said they did not have any record of I was XXXX executive member. I followed the instruction faxing the prove of XXXX executive member to XXXX over 10 times, after I faxed I called to find out if they got my fax, they always said there 's nobody able to see if the fax went through! The customer service DEPT said I should just wait if I got any mail to either confirm or asking for payment. This process was back and fore for over two months and still I kept receiving the bill demanding for the {$100.00}. However, the last statement I received was from collection then I called the collection company, trying to explain my situation. I offered to fax my prove of membership to the collection agency. But they said this was not their responsibility and referring me to contact XXXX to correct it. But XXXX never response if they received my prove of XXXX executive member. The collection agency said their job was to collect the money for XXXX. It became a never ending story.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I had experienced some hardship during the course of my loan with Capital One. I called them up for assistance and they explained that they are able to move the amount past due and move it to the back of the loan, which would extend the date by that number of months. In reviewing my account online, I now have a payment due of 2.7 times my regular monthly payment. I spoke to a representative and she said that I can make a partial payment, but if the full is not paid in 30 days after the due date, it will go on my credit. We have been good customers with the bank for years and this is how they treat their customers? 

Also, on their mobile app, the it is stating that our payment due is {$350.00}, which is different from the website and the automated system. Thus, their company is even telling me different information.

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

Complaint narrative:
I have reached out to this company on numerous occassions, stating that this account does not belong to me and would like them to prove signed documentation or copy of my photo ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/16 I received a " Collection Notice '' from Credit Collection Services ( XXXX XXXX XXXX, XXXX, MA XXXX, XXXX ) claiming I owe an unpaid debt of {$490.00} to XXXX XXXX Bank. I have mailed a letter dated XXXX/XXXX/16 to this company, and to the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA, stating that this is a fraudulent claim in that I never had any account or financial relationship with XXXX XXXX and owe no such debt. I also never received anything from XXXX XXXX or previously from this collection agency regarding any alleged debt, and the Collection Notice provided no mechanism for refusing the claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I sent a financial hardship letter to Capital One Corporate Office on XXXX XXXX, 2015. At that time, my balance was {$1400.00}. This includes late fees and interested. XXXX XXXX responded from the office of the President on XXXX XXXX, 2015. I spoke with him over the phone as well. XXXX XXXX placed my account into their repossession department, froze my access to my account online, which does not allow me to view the payments that are being applied to my account. In his letter, the balance that I was told was past due is {$1700.00}. On XXXX XXXX, XXXX XXXX also told me that my loan was too new to do anything, plus the value of the vehicle was not worth enough to work with me on lowering the interest or the payments. When I contacted the number that he provided, I was told that my balance was {$1900.00}, and that my loan was suspended. In order to prevent the vehicle from being repossessed, I had to pay a settlement amount of {$440.00}. I paid this amount, and asked what was the remaining balance. They could not provide an immediate response. Each time I contact Capital One, the balance is going up, and they are not applying my payments! I am being taken by interest and late fees. I spoke to an XXXX over the phone this past Thursday, I made a payment plan with her, however, she refused to provide anything in writing showing what has been paid, what is owed, and what is charged. She did say that she is forwarding the payments that I have made to the appropriate department to make sure that they are being applied. My payment history is as follows : XXXX/XXXX/15 {$440.00}, XXXX/XXXX/15 {$300.00}, XXXX/XXXX/15 {$370.00}, XXXX/XXXX/15 {$650.00}. Currently, I have paid Capital One {$1700.00}! It is astounding how I still owe them {$150.00} from now until XXXX! Where is all this money going? Why do they keep going up on my balance? This is the most awful company that I have EVER had to deal with. They are leeches to the core! I would recommend them to no one. I am waiting for the day to not have to do business with them, but meanwhile, I am doing the best that I can to repair and maintain my already damaged credit. I need straight answers from them now, or, I will have to see legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Some one used my personal information for receiving AUTO INSUARENCE XXXX XXXX I received letter from colllection for {$930.00} I was trying to resolve this matter with XXXX directly but Still no response. 
I 've filed complaint with FEDE RAL TRADE COMMISION Report number:XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have contacted all XXXX credit bureaus on multiple occasions and, this account still have not been addressed. This is a re-aging debt and they are practicing reinsertion of unverified debt which is a violation of the FCRA. This company never loaned me any money. This car was purchased and has been sold already. I have gone a further step and have provided a document that has witnesses my claim via the XXXX State.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was already being sent a new credit card from Capital One as they had received information that clients may be comprised when shopping at a particular merchant. However, I got my new card, activated it, had it active for about a week, when suddenly i 'm charged {$190.00} from XXXX XXXX XXXX for the old number! Not only was that number supposed to be deactivated, someone was still able to use it to make a new purchase. Capital One claims it is because they will allow subscriptions that used the old card number, to pass through to the new card number ; in other words they are still connected, despite being given the impression that they were not. I told them I have never shopped with XXXX XXXX XXXX and therefore this being a new purchase, regardless if it was a subscription, should have been denied as it was completely new, and therefore a new subscription that should never be allowed to be used on a deactivated card. I had already cut my card up too. The more I spoke with them the less confident I felt in their abilities to protect me from fraud, as because it was a subscription they would just let it be processed without calling me first despite it being an old number that was supposed to have been deactivated. I was told I can call XXXX XXXX XXXX with them to get them to cancel the subscription, but apart from that all they can do is block. But I do n't feel they will really block them. I am upset that they do not understand that if I have NEVER used someone, regardless of subscription, then why would you allow a NEW subscription to be used on a " supposedly '' deactivated card?? I will be speaking with them more but am heavily considering canceling them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a balance with a 0.00 % interest rate yet I am still being charged a minimum interest rate/fee. A minimum interest rate/fee would mean my interest rate is not really 0.00 %. Very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Apon checking my credit report I found Capital One is reporting XXXX credit cards against me. I wrote and asked them to remove these accounts as well as the inquiries from this company because acccording to the Fair Credit Reporting Act they have exceeded their alloted time to report against me. Capital One is ignoring me and the law states they have to remove these accounts. Capital One keeps sending me these letters asking me to submit things they know I do not have because I have already sent it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am being sued by XXXX XXXX XXXX who claims they are working on behalf of Capital One. I have already submitted one complaint, ( XXXX ) but I am now submitting a second one for fraud. 

I received a complaint to appear in court with XXXX XXXX claiming to represent Capital one on a old debt they know nothing about, and have not provided affidavits for. The debt they are trying to sue for they have no claim to, they do not own the debt and are bill collectors. They are trying to force a win by default, trickery and scare tactics. If they do not amend the complaint on their own to show who the true plaintiff is in the case. I will write a motion to the court. 

In addition, I will be calling the bar association to report them for misrepresentation in the the complaint, and by trying to get me to settle a debt with them that I do not owe with a demand letter. This is Fraud. 

Furthermore I will be filing a separate complaint against Capital One, as they have also committed fraudulent credit card lending practices and scare tactics trying to get me to pay a debt that has been paid off many years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have requested VALIDATION of the debt bearing my signature form Capital One on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 on account # XXXX, # XXXX, # XXXX on the accounts they are reporting to the XXXX major credit reporting agencies and have not received it. They have repeated responded stating that their records showed that an application was received by phone/internet and the account was opened. Since there are damaging reporting problems exist with respect to what they are reporting I request such validation. Also to certify that the debt was incurred legally during the period it may be payable this is not a request for an overview of lacking depth in lieu of that this is a requisition for a substantive audit.. They have also violated the law by not adding the dispute remarks to my credit file in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
false statement and representation XXXX XXXX SENT A GENERIC LETTER, XXXX XXXX MAY NOT BE A HUMAN, NOT A LIVING PERSON, MAY NOT EXIST. HIS SIGNATURE WAS ROBO SIGN AND PLACED ON THE LETTER ANOTHER EVIDENCE OF FRAUD ON CAPITAL ONE, Na no evidence of XXXX '' '' deceptive debt collection lawsuits based on flimsy or nonexistent evidence. by capiatl one, NA illegal practices that can deceive or intimidate consumers, such as filing lawsuits without determining if debts in question are valid. " '' see cfpb as CFPB Takes Action to Halt Illegal Debt Collection Practices By Lawsuit Mill and Debt Buyer,,, " were not verified and might not exist, '' did not respond to QWR and assignment fraud violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits unfair and deceptive acts or practices in the consumer financial marketplace. 
Lawsuits against consumers without sufficient basis. 
Filed lawsuits based on unreliable or false information. 
challenged the validity or accuracy of the ASSIGNMENTS FRAUD. capital ONE, NA did not obtain or review qwr,, the fraud assignments information. FRAUD FALSE FACT IN court filings. AFFIDAVIT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Companies that will not make it easier to contact them will always be met with such a complaint!!! CapitalOne held my credit limit at $ XXXX for probably a decade but then all of the sudden decided to raise and raise and raise it ... We all know having limits too high ridiculously hurts one 's credit even if they do n't use that credit. This is a business account so I asked our account manager to get it lowered but she ca n't for policy reasons and I would have to call, jump through phone queue hoops, probably have to go through someone telling me why it 's a bad idea ... It drives me insane that companies do n't realize that people 's time is valuable and this is something that could and should have easily been resolved by sending them a quick note/email online and being done with it ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25 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: CA

Complaint narrative:
I have asked for validation of this debt and they refused to send it to me but they also refuse to remove it from my credit report. They have never shown me that this is my account according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My case XXXX which is about predatory tending practices on the part of the GM Card continues to be unbelievably unfair. After submitting complaints here, the company has ... for two months ... .toyed with me, giving me over to different managers or case workers, not called me back after I 've left multiple messages with the person they claimed I was supposed to call, mislead me about my options, down right lied to me about solutions, and then, ultimately told me that they refused to help me since I had not been able to afford to pay off my entire balance. 
What is so wrong now is that they are literally playing games with me ... they left me a message over a week ago and I 've called that specific person back many times and she wo n't call me back ... I even had a manager reach out to her to ask her to call me back and she wo n't. This credit card company is behaving so badly. Please follow up with this and publish the details of my story. Everything they have done should be public.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 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: MO

Complaint narrative:
My mother had a Capital One card, few hundred dollar balance. She became ill, XXXX XXXX, did n't think straight. Did n't pay the bill. I was on the card, too. They refused payments, sued her, and set up a payment plan. They knew she was dying. The last payment - through a court! - they claim was n't made despite it being thru the court and the court having a record of it. Thus, I now owe them a fortune like {$7000.00}. Basically, they just refused to cash the last check, did n't ask the court to send another XXXX, so they could go after me a few years later. 

Now I am sick and uninsured. I will be garnished if I could work. I do n't know what to do. 

Also, they served us the papers at a fake address. Despite knowing our addresses just fine ( listed phone numbers! ) when ti came time to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
i had filed a debit card dispute regarding a charge of an extra {$250.00} that i was charged from a hotel that i stayed at, they had given me a provisional credit and then a few weeks later sent a letter to me saying the credit was final. A few weeks after that they sent a letter to me that looked a third grader wrote it, stating they were taking the money back and gave a blank date on when the funds were going to be removed. i tried to discuss this with them but only got offshore customer service which was no help. I would like them to honor their word and give the credit back

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One is listing XXXX 30 day late pays from XX/XX/XXXX on my credit reports that were due to my bank account being compromised during the XXXX hack that started in XX/XX/XXXX and went to XX/XX/XXXX. This XXXX hack affected my bank debit XXXX card, which the turn of events led to having to close and reopen an account, re-do and re-setup all payments, temporarily have no access to my cash, and created an affect where i fell behind on payments, due to NO fault of my own. AGAIN, This is NOT an issue of not paying, this is an issue of being unable to pay due to a fraudulent hack of banking info! I have been trying to clear this up, and explain the situation, and how per the law, i am not responsible when it is caused by a hack or identity theft. Every other creditor has been more than courteous and helpful in cleaning up this mess, yet Capital One still reports these XXXX 30 day lates even though it was not cause by me. I originally filed a theft affidavit and did everything i was supposed to do regarding this data breach, and yet i get no resolution from Capital One. I would please like Capital One to finally update their records and remove these 30 day lates from my record due to this original breach that cause me to lose temporary access to my account and money and fall behind temporarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Auto Finance continues to take up to 3 months or 60 days plus to report my on time payments to all XXXX Bureaus. For example my on time Patment for XXXX XXXX 2015 was reported on XXXX XXXX TH 2015 this is wrong and hurts my XXXX scores. XXXX 's and XXXX still has not been reported as paid either. It should ( not ) take them 80 days. This is not ( accurate ) reporting. If your late/ pastdue they report you immediately.

Company response to consumer: Closed with explanation