vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-03 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
after a wrongful eviction that interfered with my employment XXXX XXXX, XXXX, etc. lawsuit I was living in a third rate hotel as I worked as a pro se litigant. I took out a Capital One credit card because they approached me with a mail. I had a pre-authorization for credit. Little did I know that within a few months the terms and conditions would change. I was offered the opportunity to opt-out. I did, but it was never recognized. The time period was about XX/XX/XXXX-XX/XX/XXXX. The account number is MasterCard Platinum XXXX. 

I had an overcharge of {$0.00} while on Social Security Benefits and I was about XXXX XXXX XXXX, unemployed albeit for acting as a non-attorney in the Federal Court, XXXX vs. State of California, et al, XXXX, published at XXXX vs. XXXX XXXX XXXX XXXX, et al, XXXX XXXX XXXX. XXXX, foot note XXXX. 

I tried to make sense out of the overcharge saying I was protection under regulation Z, Truth in Lending Act, finance charges were illegal. But the credit was sold, and the debt buyer has n't let me off the hook. This is illegal under the FCPA, etc. Dodd Frank Act. On XXXX XXXX, XXXX XXXX, 2010, I have a statement for {$1300.00} which has grown since accruing finance charges. Please permanently remove this credit reporting and balance once and for all and compensate me for the violation three times what they say I owe, restore my credit in full, under the full faith and credit clause of the U.S. Constitution, and pay me attorney fees, and post-interest, any judicial reward I am entitled to for the humiliation of a weaponized shame in credit agency reports with XXXX, XXXX, and XXXX XXXX. Also realize I am now XXXX years old, still waiting for a final review in my XXXX, and XXXX litigations because the wrong agency sent out the right to sue letter and determination for a state employee ( EEOC instead of DOJ ). I am still under severe poverty of only Social Security Benefits and Food Stamps. They claim the APR is 21.150 %. I never agreed to the debt buyer. They have no proof of indebtedness on an old debt sold and resold over the time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have continuously received several phone calls from XXXX XXXX in regards to my Captial One credit cards. I have been unemployed since XXXX 2014. I receive no income. No employment. I currently reside with someone. I have made several efforts in retrieving employment by going on interviews and applying for jobs daily. Capital One can vouch for me when I say before my unemployment I was paying my credit card faithfully. Each time this agency contacts me I have to tell them each time nothing has yet to change with my income. I am then being asked can I borrow them money, am I married so that my spouse can help me pay out the money. Do I own or rent. I HAVE NO INCOME! While it is not my intentions to allow my debt to go unpaid at this current time I am unable to pay it. Once I am established it is my goal and duty to pay off my debts. It 's becoming a bit to much to receive calls as frequent as I do. Limit the calls some to at least once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called in to Capital One on XXXX/XXXX/2015 requesting to have a lower interest rate. They advised me that a lower rate was not available so I was going to cancel my card. They transferred me to a Supervisor who advised me that I had some upgrade options available. She presented me XXXX offers. They did tell me that I was eligible for a upgrade, they told me I could switch to the Visa Quick Silver Rewards or the Master Card Capital One Venture Card. I asked what the differences were and they advised me. They told me that they would remove the annual fee and advised that the Quick Silver Rewards would be a Visa card and I went online and looked online and saw it there and was like ok I will switch to the card with the hopes that some day by switching I could get a lower rate as it looked like online the rates for the Visa version were or could be lower so I made a decision based on that rather than the venture card. So I selected the Visa option. I was specifically advised that it would be a Visa Rewards cards and I would receive a new card in the mail and my old card would stay active until the new one arrived. I called spoke with Supervisor who explained it would not be the Visa because the minimum credit line for the Visa card was XXXX and the account number would not change and once again no lower interest rates available for the card I had. I explained I was told card would be switch to the Visa version, I adv that this is not correct I advised that my decision to accept upgrade was based on it switching to Visa and to which I was told too late now and there was nothing that could be done and it could n't be reversed. ( Bait and Switch ) Spoke with XXXX or XXXX XXXX in the Executive Customer Relations Office and he was of no help and told me there was nothing that they could do even though they did confirm that the call had been reviewed and XXXX was confirmed that is what I had been offered. He offered me a XXXX adjustment to my account and another XXXX rewards credit which I did not accept as a final resolution to this issue and advised such. They are not willing to honor what they have already confirmed was offered and that I agreed to. They are pulling a " Bait and Switch ''. They know they messed up and are not willing to fix it!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Capital One contacted me by telephone, leaving a recorded message about my credit card. They asserted that fraud was involved with the card and that they were replacing it. When I called and asked about the issue, I was told " everything was fine ''. I asked to speak to a manager about what had happened. I received no more information, other than that they were investigating fraud. 
After a month, with no explanation forthcoming, I called Capital One on XXXX XXXX, 2015. Again, I got no answer, despite talking with a manager. He said they were " investigating ''. I asked what they were investigating and got as a reply " a data breach ''. When I asked where, I got no response. 
Either the card is very insecure and, the company 's actions are questionable, or there is some major issue involved that the firm is hiding. 
Please help me find out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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:
After spending a total of 2 hours with Capital One 360 between XX/XX/2017 and XX/XX/2017, they were not able to assist me in opening an account. They were having " system errors '', whether or not that was because they did n't want me as a client again, I am not sure - possibly based off my income or other personal characteristics of myself. I was intrigued by a {$200.00} offer I had received in the mail to open a new account. When I went to open the account online, like I mentioned their was nothing but errors and no one would help me. They blamed it on the multiple browsers I was using ( XXXX, XXXX, XXXX etc. ) ... and then even had the audacity to ask me who my ISP was. Finally at the end of my calls they were still not able to help me open an account and yet they did tell me I was n't eligible for the {$200.00} promotion on top of it. I feel like Capital One 360 really does n't have their business together and is playing with deceptive marketing practices. If they really cared about anyone 's business they would allow me to open an account and provide me a {$200.00} promotion. Now I have nothing nice to say about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In XXXX of 2014 our automatic payment to Capital One Auto Finance was declined by our bank because of insufficient funds. We completely were blissfully unaware. We did n't receive notice from them ( Cap One ) - but to be fair, we are paperless. So our regular XXXX payment was actually applied to XXXX. Then XXXX to XXXX and so on. We went along like this until XXXX when we were denied a mortgage refinance. We rectified the mistake, but still have XXXX, 30-day late consecutive payments. We do n't think this is reflective of our credit-worthiness as we were unaware that our payments were late. They made no contact with us. 

We submitted a letter requesting a goodwill removal on our credit reports, but we were denied because the reporting was accurate. However, without notice, we were compunding a simple error into an overwhelming XXXX. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
Both my auto loan holder CNAC XXXX, WI and my insurance agency ( XXXX ) take their payments up to a week early on a regular basis. Also as a part of the purchase agreement XXXX XXXX was to replace the front bumper of the vehicle of which I have complained about for two years now with zero results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I paid the debt in full. I was never sent a letter in order to validate the debt prior of payment. I was forced to pay at the time in order for me to get my apartment rental contract or I would be stuck without a place to live. They are collecting on behalf of XXXX. I never received letters from the debt collector. My apartment manager told me " you have an unpaid collection and it must be paid in full prior to move in ''. I was not aware of any collections on my credit report. They are reporting on all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am trying to update my address with Capital One to the USPS standard of XXXX XXXX XXXX XXXX, XXXX, WI XXXX, but they claim my new address in in XXXX which is incorrect and I do not want it reported to the credit agencies as such, but they will not correct their system issue

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have paid my payments through Capital One credit card for several years now. In fact, on my personal account they have stated that my payment history is XXXX %, which is good. I paid XXXX payments within XXXX weeks to bring my account under the credit card amount that was issued to me. I paid {$50.00} by mail on XXXX XXXX, 2015 and then another payment through my checking account on XXXX XXXX, 2015. On XXXX XXXX, 2015 I called the representative XXXX ( ID # XXXX ). I asked why was my account held and there was n't any credit on my card. She said that we had to call my bank to verify that the money was taken out because I had a returned payment in the past. She then called XXXX XXXX XXXX. I was then insulted, mortified, humiliated, and felt as if I was treated like a child about my account. Capital One had taken the payment on XXXX XXXX, and cleared the account on XXXX XXXX. They continued to hold my account and did not put any credit on my card until today in which I had to call and demand that they put the money on my card and call the bank to get a verification. Again, this is an insult to me being a paying customer!!! I should not have to call to get my funds released on my credit card!!!!! This does not make any sense I then spoke to XXXX ( ID # XXXX ) Both the representative and supervisor XXXX were rude! I would close my account with Capital One if I did n't think that it would affect my credit!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03 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: PA

Complaint narrative:
Received a letter Credit Collection Services saying I owe XXXX {$570.00}. I have never had a XXXX account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I 've had two different instances where Capital One did n't process my payments within 30 days even though it was received within that time and STILL decided to report it to the credit agencies as a 30 day late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has a policy of making it as difficult as possible for consumers to dispute charges, most likely because the merchant is being compensated in some manner or other for doing so. Aside from not allowing consumers to provide any details regarding their disputes in Capital One 's online dispute forms or to submit messages electronically -- either securely through their online accounts ( a feature which existed previously but has recently been eliminated by Capital One ) or via email -- the merchant has a policy of both requiring supporting documentation prior to submitting a claim and also permanently rescinding credit issued in connection with claims as soon as said claims are disputed by the merchants in question without giving consumers a chance to rebut the merchants ' response. 

On XXXX I submitted a dispute ( Case # : XXXX ) in connection with a charge for {$2000.00} from XXXX/XXXX/2016 against an attorney who had actively assisted the State of Florida in retaliating against me for trying to call attention to abuses which the State of Florida systematically inundates HUD Programs with in order to undermine the Civil Rights Act, made possible by the criminally unethical practice of allowing County Judges to adjudicate landlord-tenant disputes involving HUD rules without being qualified or authorized to do so -- even in circumstances where County Judges are specifically requested to disqualify themselves from such cases because of the financial ties which all County Judges must have to any landlords who participate in HUD 's programs within any Municipality wherein HUD 's Programs are not fully privatized. Despite the vast amounts of evidence I sent in via fax detailing at great length the unethical conduct of the attorney, Capital One rescinded the credit issued in connection with my dispute on XXXX/XXXX/2016, immediately after the attorney disputed my claim. 

On XXXX I submitted another dispute ( Case # : XXXX ) in the amount of {$310.00} against XXXX XXXX for the abuse I was deliberately subjected to during a XXXX/XXXX/2016 flight from Florida to Georgia for no other reason than being a low-income minority. Before even submitting my claim to the merchant, Capital One demanded supporting documentation, subsequent to which the credit issued in connection with my claim was rescinded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a Kia Sorento with Capital One financing in XXXX XXXX XXXX 2016 I realized that because of the increased cost of my medical care resulting from my XXXX, Medicare costs going up, and fewer doctors taking Medicare that I could no longer afford to make the car payments. I contacted Capital One about arrainging a Voluntary Repossession. They told me that I had to contact a special department and that someone from that department would call me back. I waited two weeks without a call back. I contacted and called them back. Again the same run around and no call back. I called again the same thing. They are going to force the repossession to be due to non-payment which will have a greater impact on my credit record. And they will probably force a private sale which will cause me to owe more than I normally would after all is said and done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
yes ive been trying too work out a monthly payment on my moms account with collections dept.they asked me how much i can pay monthly toward closed account.i told him first XXXX .he said no.than i said XXXX he said no????? i asked hime was the minuium??? he would not tell me????? what kind of people work here???? my moms on XXXX???? and i am too????? than i get a letter email stating they offered payment options??? they offred nothing too me. im trying too work with them.but these people are of no help? like too talk too not the collections supervisor he did nothing for me??? like too speak too whos higher up in charge??? like i wana contact XXXX XXXX office on this mattar???? also wana get all late fees waived and penalities too on account????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have maintained a large balance in a Capital One Bank, NA " rewards '' checking account for several years. Over time it has been credited with over XXXX rewards points which I have never used. In addition, my wife has a Capital One Visa credit card with a " rewards '' feature as well. About XXXX days ago I received notification that the Bank was terminating the " rewards '' feature for the checking account effective XXXX XXXX, XXXX. I telephoned customer service shortly afterwards and inquired whether the accumulated rewards in the checking account could be transferred to my wife 's credit card account. A representative by the name of XXXX checked and told me the points were transferable, I did not have access to my wife 's credit card at the time, so I said I would call back when she was home. 
Yesterday, XXXX/XXXX/XXXX, I called back to do the transfer to her account and I was told that it was not possible. I asked for a supervisor and spoke with a person who identified herself as XXXX. She confirmed that it was not possible to transfer banking rewards to credit rewards any longer. She said the company changed transfer policy in XXXX XXXX. She also indicated that transfers between credit accounts was reinstated in XXXX of XXXX, but not between checking and credit accounts. I requested a copy of the Banks notification for the change of transferring between accounts since I could n't remember ever seeing any notice in XXXX XXXX. She said she was not able to send a copy of the notice she indicated had been sent to me. When I pressed harder she checked with another department and told me it is available in my branch office. Since Capital One has no branches in XXXX I was told I was pretty much out of luck in getting a copy of the notice that was supposedly sent to me. She had no explanation as to why I had been told by " XXXX '' I could make the transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE
State: VA

Complaint narrative:
I requested a simple due date change on my loan from XX/XX/XXXX to XX/XX/XXXX to avoid being late and therefore being charged {$40.00} late fees. I was denied without being provided adequate reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
I received a loan in 2014 that I defaulted on and have now been receiving harassing phone calls to my employer, family and elderly grandparents. This debt collector states that they are a Lawyers Office `` XXXX XXXX XXXX XXXX '' and I have called them back multiple times and representatives have been extremely violent and harassing. These phone calls have been back to back to my employer and are putting my employment in jeopardy. This " Lawyers Office '' has threatened my grandparents that I am being sued and only have XXXX hours to respond in regards to this matter. I have contacted the Advance America who has referred me to a debt collector who in correspondence refereed me to another debt collector " XXXX ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My loan servicer has repeatedly billed my escrow account for lender placed insurance coverage of their own even though I have repeatedly sent them copies of our Condominium Association Master Policy via fax TO XXXX, and the website they provided for transmittal, ( XXXX, XXXX ) every time they have asked. I have fax transmittal receipts as well as confirmation from XXXX for the policies spanning the past few years. 
I believe this is just another mortgage servicer scam that they perpetrate upon individuals like me. They claim not to have received the required evidence and benefit from the placement of their own coverage through premium commissions or their own company-owned policies. Their premium charged to my escrow account is approximately {$620.00} for each year they have added the coverage in spite of being faxed or uploaded copies. If you multiply that amount times the thousands of mortgages they service and can proliferate the same scam upon those homeowners, it boggles the mind -- especially given that they do this year after year.

Company response to consumer: Closed with explanation