vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I made a agreement to settle my account with capital one for {$5000.00} in the amount of {$750.00} for 6 months. I have made XXXX payments which the balance now is {$3700.00}. I am requesting capital one will listen to my financial hardship at the moment for why i have n't made the payment for XXXX. My son was going to college and he was receiving student financial aid which was the reason i was able to make these XXXX payments. For a personal problem he had to withdraw from college and transfer to a new XXXX. It will be two more months before he will receive his refund money. We will be able to pay the {$3700.00} balance in full. I am requesting that capital one not cancel this agreement. I am also requesting if i can trade the XXXX XXXX for a XXXX, it currently has XXXX. My son will have a down payment of {$6000.00} in two months if we can work it on trading for a new truck. I have lifetime income and my son receives XXXX, in the amount of {$650.00} all total income, is {$1500.00} stable income for life. With my son receiving refunds from him attending college the income his hire. But with my son not receiving his money for this month, we ca n't pay the XXXX {$750.00} payment. That is why i agreed to settle with capital one for {$5000.00} to pay off the loan, but with this set back and him having to attend a new college it will be two more months before he gets his money. I am asking capital one not to cancel the agreement, or to trade a new XXXX truck. This has caused me a lot of distress in trying to figure out what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Byrider Franchising, LLC
State: CA

Complaint narrative:
Called me trying to scare me on debt. Did not even respond to what company they are working for and also threaten to drop off legal papers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received an automated call from XXXX. It said to select 1 for the last day of the promotion. I selected 1 and spoke to a man. I asked him what credit card he was referring to. He listed a ton ... Visa/MasterCard for XXXX, Capital One, he named a few others. I asked what specific account he was calling about and he told me Capital One. I told him that I was on the DO NOT CALL list and the only reason I should be called is if fraudulent chargers are found. He told me I was not listening to him and the said he was going to cancel my account. " Excuse me? '' I asked. He said ... " You heard what I said '' and then hung up. I called Capital One. They said they do not call with promotions, only fraudulent charges. I did not think a Capital One employee would act so professionally. I should have played along a little longer to see if he was going to ask me for my credit card info. I think this is likely a scam and should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
My fiancee, XXXX XXXX and I opened a savings account with Capital One 360 in XXXX of 2016. Since it was opened we have put over XXXX dollars of our money into this account for the purpose of a down payment on a home. About 2 months ago, I noticed a warning on our account saying the funds are not available for withdrawal. Both XXXX and I have called Capital One several times to get this resolved. They tell me it is on XXXX side of the account, so they can not do anything for me and for XXXX, they put her on hold for long periods of time ( as long as an hour in some instances ) and then drop the call sending her to voicemail. This is very uncharacteristic of Capital One, but we want access to our own money. At some point, we will need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I went online to choose a credit card becuase i have some travel plans coming up and need to purchase tickets now. I read and compared offers, I choose the Capital one venture card because it offered zero percent for a full year and then stated would be 12.99-22.24 % based on your credit worthiness. I was also looking at this ending score after one year. I was approved for the card right away but was given the offer of 22.24 %, my credit score XXXX, I feel it 's pretty good, maybe not the absolute best. I feel their company is providing false advertising. Many companies are trying to pull this, if after one year the ending score is over 15 % I through it away. They should n't tell people 12-22 % when they have no intention of giving that interest rate. I called them to ask if I could negotiate this rate and they told me its all computer calulated so NO!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
About 6 years ago I called Capital one credit cards. I was having financial issues. Explained to them I needed help. Capital one helped me with the hardship program. I then gave them my routing number and checking account number. A payment of {$50.00} a month was taken from my account. I gave them permission to do that. The payment went out for years, timely, never late. Then on XXXX/XXXX/2015 I received a phone call from a debt collection agency. stating my payment was late. I looked into the matter. Capital one stopped taking payment on XXXX/XXXX/2015 with no notification and sent the account to collections. It was told to me by the collection agency that capital one did that because the account was n't going anywhere and they considered it a loss. I called Capital one to find out what was going on. They are looking into it. I have copies of all the payments. That where never late. Capital one decided to stop taking the payment and did not call me or mail me any communication. as of now the payment is 60 days late. Which I tried to pay but capital one wont take it. This was their decision to stop the payments not me. This is very wrong. My credit report will reflect this and is was n't my doing. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 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: TX

Complaint narrative:
I have fully paid the provider of the service, XXXX. XXXX should contact XXXX, their partner, to resolve this issue. I can not pay twice for the same service

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Over a year ago I transferred balances to Capitol One hoping to save on finance charges while I paid off the principal. Capitol One still charges finance charges even though I pay on time every month. I contacted them and they are unwilling to help me with this. I can not afford the finance charge. I owe {$2000.00}. The due amount only goes higher. I transferred my balances to Cap One in hopes that I could resolve my debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I see judgements for amount that I had no knowledge about. I also see XXXX Texas addresses where I never lived and wrong spelling of my mother 's middle name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I recently purchased a vehicle from a dealership in XXXX, KY. Even though I had financing approved through my credit union, the dealer talked me into going with a Capital One auto loan at a slightly lower interest rate. I asked the dealer if I would be able to make payments ahead of schedule and have them count toward future payments. I have always paid ahead on previous auto loans. Part of my income is on a commission basis and I want to be able to be a few months ahead on my payments as insurance against a slow month that could be caused by illness, or a lack of work. I was assured I would be able to do this with this loan. I received a welcome call from a Capital One representative and I was again assured by the Capital One rep that I would be able to pay a few months ahead on the loan. When the loan was set up and I attempted to make an extra payment I found additional payments only went toward the principal and would not count toward my future monthly payments. I protested this fact to Capital One and I received a phone call from a person in their corporate office telling me I could call them when I made a payment and they would credit it toward my next month 's payment. I attempted to do this, but the online site will not let me make a payment until my previous due date has passed. To me this is deceptive and gives me a course for failure. First of all, not being able to make a payment ahead increases the amount of interest they can collect from me. Putting additional payments only toward the principal and not toward future payments due is a course to failure. I could be the equivalent of several months ahead in payments, but if I am unable to make a full payment within a 30 day period, I could face possible repossession of the vehicle even though I am way ahead in my payments. I feel this practice is deceptive. It does not give me the option of paying months ahead on my loan and it seems like a purposeful ploy to get an extra chance to reposes the vehicle, even though payments are ahead of schedule ... Especially after I was verbally assured twice in the loan process I would be able to get ahead on my payments. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received an e-mail that there was an e-mail change for my online banking account. Immediately after receiving that, I logged in and noticed that my account was in a suspended state as a transfer had taken place of approx. {$900.00} to an unknown recipient. I received a call from Capital One 360 security and discussed the situation which resulted in my account being completely locked down and I no longer have access. This was on XXXX/XXXX/2016. I have tried calling every day and have been on hold for over 2 hrs several times without reaching a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a capital one credit card account that has restriction due to suspected fraudulent activities.I called there Fraud Department and I talked to a representative and fraud specialist to validate and verify all the the information that I own the account after verifying all this information they still wont able to remove the restriction to my account so I can use itXXXXagain.This account is paid off and there is no balance.I 'm requesting that I can waive or remove the restriction to my credit card account.And they sent me a PIN but how am I suppose to use my card it has restriction to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( 2 ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. See XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 'm been disputing XXXX hospital bills that showed up on my credit report from a very shady collection agency named XXXX out of XXXX XXXX CA. I 've dealt with this company for over a year. They had an incorrect social security number as well as address and other information. I was able to get XXXX and XXXX to remove the information as they confirmed it was incorrect. However Experian was difficult to deal with. I called them several times, they confirmed the info was incorrect that the collection company and even told me they would remove it yet they did not. I called them last week, XX/XX/XXXX, FOUR times until finally a representative from Experian came back on the line after having me on hold for 15 min and told me the collection company wanted to talk to me. I told her I already dealt with them and they we 're very, very nasty and refused to accept this was not my account despite sending them information. None the less she came back on the line and said the collection company refused to proceed without talking to me. She also said she would be right on the line with me and I just had to answer questions. I begrudgingly did this and as I suspected the representative from the collection company was rude, condescending and put me on hold because I " was not behaving. '' Once he came back I gave him the information he requested however the representative from Experian did not tell me that the numbers on my social security number that we 're incorrect where the last XXXX numbers. The agent from the collection company asked me the last XXXX of my social, I gave it to him and the minute I did so the agent said " thank you thats all I needed, we 'll be in contact '' and hung up. Experian did not help me remove this item as they should have, they made it so this criminal company now has access to my info. I want Experian to be held responsible for this and I want these XXXX false reports from XXXX removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is reporting late payments on an account I have with them. I 've requested they show me where I was late by providing with proper statements etc. They continue to pass the buck claiming its my responsibility to provide them with records. I 'm not the one reporting the information. I would like the late payments being reported updated to a positive status & the negativity removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX XXXX XXXX, Mo. XXXX Re : Capital One-Committing Fraud I owe Capital One {$170.00}. I asked Capital One to close account because I do n't Trust Them. They keep adding Bogus Charges to make Balance Higher. 

I want this matter resolved by me paying them what is Actually owed of {$170.00}. Account Closed with No Balance Owed after paying {$170.00}. 

Waiting for your reply, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
This is now my second concern regarding the same issue. I had to reach out to this agency approximately 1 year ago. This card was to have to ridiculous annual fee removed. I have attached a screen shot of the response from the company stating they have " permenantly '' removed the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My husband is on a solo bicycle trip In XXXX XXXX. Not wanting to take cash, he took XXXX credit card Capital One Visa. While In a very remote location, without any warning Capital One Visa deactivated both my husband 's and my cards and All transactions rejected. I am not In need of the card but my husband is stranded in a remote arena without means to pay for food or shelter. When he contacted Capital one, they connected him to the Fraud divison. They said the card was rejected and wo n't give a reason why. They requested him to send them certain identification information He did tthis. Capital One Visa response was that this was not sufficent and requested he send more information which he did not carry with him. He called me In the US & I sent the additional information. I have confirmation that they recieved it, yet they say they have not recieve it. I sent the same required Information to my husband in XXXX & he resent it. This dispite capital one Viisa Venture card is requesting personal information that was not required to even qualify for this card. Im concerned & suspicious In addition to being very upset with the non concern, rude treatment from the members of the Fraud staff. They even told me that this capital One Visa Venture card is not connected to Capital One Bank. I am afraid this is a scam and invollves the Use of giving bonus points after spending {$3000.00} dollars within 3 months. We paid them {$3900.00} within one month and they canceled the Capital One Visa Venture card at the most inoportune time possible, to avoid the bonus offer. No reason, No help, and it appears possible data mining & possible identification Fraud from the " Fraud Dept '' of Capital One Venture Visa. I reguest you please investigate this company and prevent others from this most distressing experence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX M I XXXX XXXX XXXX XXXX # XXXX, XXXX, CA-XXXXCapital OneXXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX : Account # XXXXDear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accountsAnd maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to above mentioned accounts with the XXXX major credit reporting agencies. 
Although I made a late payment on XX/XX/XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payment was a temporary oversight and it has not occurred since that time. The late payments I am requesting deleted and / or removed occurred on XX/XX/XXXX. 
These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from you soon. 
SincerelyXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation