vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Since XXXX of 2014, I wanted to have my payments due on the XXXX or after my pay date. I have requested this several times and when Capital One transferred the loan to Capital One 360, it became even more difficult to change the date. Finally this month, since 2014, they made it possible to change the due date. I 'm not sure why it took so long for them to do an easy fix. I contacted them, the online service said it would be done, but then it reverted back to its usual due date and once again I 'd pay a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I missed a XXXX XXXX flight due to late cruise ship arrival at XXXX On Saturday XXXX XXXX, 2016. I could not call and I did not expect a refund. That day I called to make a new reservation for the following day. I then called hotels and found they we all booked due to weather issues. I immediately called back Spirit to cancel the reservation and was told that I could not because it was less than seven days since I made the reservation. Well that was obvious. I argued to no avail. I later found out that I could cancel the reservation within seven days as per XXXX XXXX on-line cancellation policy, see attached document. I then called and spoke to a Capital One reservation agent and described my plight the agent, name XXXX, Operator Number XXXX she assured me I would not get charged. I was subsequently was charged and disputed the charge see attached document dated XXXX XXXX, 2016. The charge was subsequently reversed. I was notified there was additional information from XXXX XXXX by Capital One on XXXX XXXX, 2016, but I did not receive any additional information until XXXX XXXX, 2016. Capital One stated that they were recharging me the {$490.00}. The letter XXXX XXXX sent see attached is completely untrue and they failed to follow their own policy. I received a letter on XXXX XXXX, from Capital One that completely ignored the issues I outlined in XXXX XXXX XXXX 2016 letter to them and they closed the case. Capital One did not follow required guidelines in resolving my complaint. The issue was not resolved within 2 billing periods as required by law. I have never felt so aggrieved by XXXX companies as I do these XXXX. Please help me to remove the charge from my account. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My credit card bill wont go down and I 've never miss a payment. I call my credit card bank which recently changed their name and they tell me that I did a cash advance for {$84.00} before 2009, I just learn what a cash advance is. I told them to give me a copy of the transaction and they claimed that they dont have it to call the old company and vise versa. Im a XXXX that really doesnt know that much of banking. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
An account was opened with progressive for auto insurance. The price was quoted and the policy was started. When the next payment was due the bill was for nearly double what it was supposed to have been due to some other information that was found on my driving record. No correspondence was made to let me know if this discrepancy and it was only after I received the bill that I found out and made the call to progressive myself to inquire. At which time I requested the policy to be stopped because of a misrepresentation of costs. Had they properly researched or communicated with me the discrepancy would have been caught early on before {$250.00} in unagreed upon charges were made.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The kohls account has been write off as a debt lose I would like it removed from my credit report they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I went to use one of my Capital one visa card and the transaction was denied. I had a second different branded capital one credit card. I then tried to use this card. It was also decline by Capital one. I then called capital one to see what the problem was and was told my credit card accounts were closed today. I asked them why and I got a vague answer and they said they could not give me any other information. I have always made my payments on time and there are no problems with my account. It appears that Capital one is Capital one offers a rewards program that is like a bait and close program. You get a high percentage for rewards but after a period of time if they see they will not make a profit on the account by looking at your buying patterns they close the account. Probably an illegal practice. The right federal agency has n't taken notice of this practice yet, but they should. What if some one was traveling thing their Capital one account was in good stand and Capital one closed the account as they did mine with no notice. They would be stranded. Consumers should all be treated equally fair. Capital one does not do this ands is running a scam on the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I was out of work for some time due to be ill and got behind on my bills. went went to XXXX relieve for help got debts reduced and paid off except Capital One They brought a Judgement against me. I went to court and they said I owed them XXXX dollars and I agreed with them. set up monthly payments payed all but XXXX dollars and was told bt capital one they were not pursuing this any more. so I asked does this judgement come of my credit they told me no because the judgement has to be satisfied first.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mages & Price LLC
State: IL

Complaint narrative:
I was not advised this debt was in collections. No one called me and I did not receive anything in the mail. I do not feel I owe this to the provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This has been paid and has been verified with the original crediting company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I purchased a truck and then returned it to the dealer. The dealer then paid off the loan with Capitol one and the check was deposited by Capitol on on XX/XX/2017. Capitol one is still showing an outstanding loan for us and indicating that we have a payment due XX/XX/2017. I have talked to XXXX different people at Capitol one and they do say they have received the check but it is in a different department and they do not know why it has not been sent to the loan department. I do not understand why it is taking so long for them to post this check to this account and show it closed. Our credit is now being put in jeopardy. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XXXX 2015, during a business trip, my Capital One CC was comprised. Almost 1k in transactions appeared on my account. Until recently, I was satisfied with Capital One 's resolution. Apparently, during the fraud investigation, my account was inadvertently credited twice for the fraudulent charges. At that moment, I nor, Capital One caught the error. Capital One caught the error and sought to resolve which is their right. However, its been 5 months since the original occurrence and I thought it a closed matter. How Capital One handled the error, is the reason this form is being filed. On XXXX XXXX - the purchase adjustments were made to my account. At first glance, when I reviewed my account, I thought the card had been comprised yet again! It was only after speaking with the customer service representative that the issue ( as described above ) was revealed. He advised a letter was sent to me on XXXX XXXX, 2015 advising of the adjustment! My ire stems from the fact, they should have notified me BEFORE any adjustments. Its been 5 months and to just randomly charge someone without knowledge is more than a little inappropriate. Never mind, there was XXXX transaction that was later determined to be legitimate. It was adjusted on my account on XXXX XXXX, 2015. I have now paid 2x for this service due to this error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
After gaining access to my Capital One account that had been withheld from me I had found it to be run up and unpaid. To my knowledge it had been paid off. After contacting Capital I learned that there was an additional account opened without my knowledge. Capital has insisted on me paying throughout the entire process, even though what I would be paying I never charged and was all fraud. I informed them I would pay what was not fraud claims and asked for my statements of the account that I knew about. Roughly a month later I 'm still waiting for them and they are still calling for payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital one card that I had was stolen and used and they have put it against my credit will not let me dispute things closed my account refused to work with me added so many extra charges and will not listen to me even though the same year someone tried to file taxes in my name I had stolen identity but they still will not listen and keeps charging me more and screwing up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I received a letter from Loan Depot offering a mortgage refinance. I called the company and spoke with XXXX XXXX who took my information and ran a credit report. He told me that I qualified for the mortgage and sent an email with rate and payment details. 

When I asked for a copy of the Good Faith Estimate and other Truth in Lending documents, XXXX XXXX said that Load Depot did not provide them unless I agreed to lock the rate, which would involve paying for an appraisal ( {$390.00} ). As I understand the law, the lender is required to provide TILA documents within three days of the application. I made the application to Loan Depot on XXXX XXXX. 

I subsequently made a second request for the disclosures and never received a reply. 

Contact information for the company is Load Depot, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a car in XXXX and got a loan fm Capital One. 5 months later ( XXXX ) I receive a letter indicating Capital One will share my personal information ( soc sec #, income, account balances ) with their affiliates. If i choose not to share, I need to contact them to opt out, which I just did. When I spoke to the rep and asked whether my social security information had already been sold to third parties since my loan started 5 minths ago, he indicated yes that information has been sold. My question is " is n't it illegal to sell people 's social security numbers ''? It increases fraud, and I do n't think companies should profit off of selling other 's confidential information without their consent. 

The rep said now that I contacted Capital One, they will stop selling my information for marketing purposes, but it 's too late. They aold my information to a third party, and now that third party will likely sell to another party. Capital One is in ore than the loan business. They are using it to take other 's confidential data and profit off it. Meanwhile, I have the concern of identity theft. I think there should be laws to punish companies that share people 's confidential data without consent. I would like to know where the CFPB stands on this issue and what are my options at this point? My info has already been shared with many I 'm sure. Had they sent me the letter in XXXX, when I got the loan, I would have opted out. They waited 5 months and after they have already sold my information to send me this letter. Shady, very shady company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX, Capital One Bank with address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, phone ( XXXX ) XXXX, hired XXXX XXXX XXXX ( attorneys ) with address XXXX XXXX XXXX XXXX NY XXXX, phone : ( XXXX ) XXXX to collect my XXXX credit cards debts that I originally owned them due to unemployment. Capital One was aware that I was on XXXX, public assistance and without income at the time of my default when they placed me in collection with XXXX XXXX. 
In XXXX XXXX, I negotiated the terms of my XXXX Capital One credit cards debts with XXXX XXXX attorneys. I PAID THE CREDIT CARDS PER OUR AGREEMENT with XXXX XXXX who had the agreement of Capital One, and WITH LOWER AMOUNTS THAN THE ORIGINAL. Once again, CAPITAL ONE HAS AGREED to this terms. 
As of today, My CAPITAL ONE BANK Account Number : XXXX .... and CAPITAL ONE BANK Account Number : XXXX .... are reported at the XXXX credit bureaus as HAVING BALANCES. I disputed this reporting with the bureaus, and after investigation, Capital One STILL reports the following : Account charged off. {$3300.00} written off. {$1700.00} past due as of XXXX XXXX and for the second credit card : Account charged off. {$1200.00} written off. {$550.00} past due as of XXXX XXXX. THIS are FRAUD statements! I paid the agreed amounts through XXXX XXXX XXXX, and received letters from XXXX XXXX for the complete clearance of the credit cards with Capital One Bank. 
WHY is CAPITAL ONE falsifying that I have balances? As of XXXX XXXX the balances are " XXXX ''. When Capital One hired Attorney Firm to collect their credit card money, surely Capital One has agreed that the Reporting Power to the agency will be given to the Attorneys, and Capital One would not FURTHER damage my credit. It seems that XXXX XXXX collected their fees from Capital One and have no responsibility to CORRECTLY REPORT THE OUTCOME OF CLEARANCE OF BOTH ACCOUNTS. XXXX XXXX must report the Capital One debts as having balance of " XXXX ''. Thus Capital One is making FAULSE REPORTS to the XXXX credit bureaus THAT DAMAGES MY CREDIT further MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I opened a savings account with Capital One 360, looking to get their signup bonus. On the account confirmation screen after I had successfully opened the account, it confirmed that I could earn a bonus by maintaining a certain balance for 90 days. I then transferred {$36000.00} into the account and called in to confirm that it would all qualify for the promotion. I was told that I had an ING savings account 8 years ago, which disqualified me from the promotion, even though it clearly stated on the confirmation page after I opened the account that I was eligible ( I have a screen shot of this page, and it is very clear ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I currently have fico scores of XXXX XXXX, XXXX XXXX, and XXXX XXXX. My reports show perfect payment history and XXXX old collections, both of which have been paid in full. Repeated attempts to obtain a basic Capital One card have been failures, except the approval for a secured card which I recently closed due to this issue and I do n't need another secured product. General internet searches show that my credit file and scores exceed Capital One underwriting requirements for a basic card. I work with a person, I have seen his credit file multiple times as he has asked me to help him resolves some issues, who has lower scores plus multiple negative accounts, plus XXXX medical collections and a federal tax lien. This is factual information. Based on this and XXXX extending me XXXX in retail credit ( they use the same reports CAP ONE does ) and my credit file profile, I believe Capital One is participating in discriminatory lending. I come to this conclusion because no other rational reason exists for the denial in credit. While I understand I am not specifically entitled to anything, by extending credit to individuals with lower scores and credit profiles, capital has violated my rights as a consumer and FCRA guidelines. Credit Pulls Database shows scores of individuals with credit scores in the high XXXX being approved for a basic Capital One unsecured cards. I can provide documentation to support my claims about my score, credit profile, payment status, credit utilization, etc. I talked with CAP ONE executive resolutions and they said one reason for denial was high balance? number of unpaid balances. Less then XXXX of my available credit has a balance and my utilization is below 15 % consistently. Once again, based on their claims and my knowledge of my credit, I believe I am being discriminated against. Thanks for your time with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint against Capital one bank : I am a new employee in XXXX with no credit history and applied for Capital One 's secured credit card which requires certain deposit amount to get a credit card, it was suppose to help me build my credit ratings if I use it well. Thus I went to bank branch, applied XXXX with banking officer, provided all the documents and signature which he asked ( SS, DL, etc ) and got it in mail to my address in few days. used it XXXX or XXXX time at gas station, also added auto payment as soon as XXXX statement was available. After a month or so, it stopped working so I called the tollfree number, they told me that account is closed. I was surprised and stunned, I asked why? lady says, we encountered some fraud with your account so we closed it. I requested to transfer me to the respective department who can give me some details, then I was talking to a lady from fraud department with no information, she kept on saying that its closed and we cant tell you anything more. no reason, no justification, no call, no mail or any communication to me. just closed my account. After lodes off discussion, she said I can try to reopen your account if you fax all the documents again, Next day I visited the bank and explained the scenario to the banking officer then he was on call with same department for 45 mins, and asked for my documents, faxed it to fraud department and asked me to wait for 24 hours. Nothing happened for XXXX more week, I called the toll free again and got same answer that your account is closed, if you wish apply again but will not give any information. I asked that at-least let me pay my last due amount so that my credit history is not effected, she says account is closed so you cant pay. I said " what ''????? I tried all possible options and finally writing this complaint out of frustration and disappointment, spent so many ours on phone and in bank with no help, felt so frustrated and demotivated thinking that they will spoil my credit history without my fault. And I do n't have anyone who can help me. I just started my job few months back so I do n't have buck lodes of money to hire an attorney too. Not sure what should I do. Hope this complaint can help me in any way. I am also thinking of talking to a police department since they said there was a fraud and we cant tell you anything, may be they will tell cops.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
UISAA has confusing balance issues that causes bounce checks and over drafts. They also have cleared items problems that makes no sense. Usually an Item is cleared and a few days later, it shows as just coming out of our balance. We are never sure sometimes what 's in our account or not. My husband and I are both XXXX veterans. We had insurance with USAA Federal Savings Bank for over 10 years now. They declined giving us insurance in XXXX after we moved back. We filed for insurance change XX/XX/XXXX From XXXX to XXXX. They said we are high risk and they can only continue our XXXX policy that we already had with them even though we 're in XXXX. My husband is a XXXX XXXX veteran of the XXXX XXXX. I 'm an XXXX XXXX XXXX XXXX XXXX veteran. I joined USAA XX/XX/XXXX, when I got XXXX. USAA used to keep their word, but now USAA does not care about their members anymore.

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