vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My wife and XXXX sons ( ages XXXX & XXXX ) went to XXXX XXXX on XXXX XXXX, 2016. The CapitalOne credit card she was using was hacked on XXXX XXXX, 2016. CapitalOne balanced out the fraudulent charges and closed the credit card account and told us that they will have a replacement card shipped to her, in XXXX XXXX, within XXXX5 business days. I called CapitalOne after 5 days when she did not receive the replacement card and was asked to wait for another day or XXXX. I called CapitalOne again after two days when the card did not arrive and demanded a tracking number and after several minutes on hold, I was told that they had an issue sending the card to the XXXX address, which the rep and I spent nearly 15 minutes to make sure it was correct, and that they took the liberty to send the replacement card to my XXXX home address via USPS and did not have a tracking number available. 
Reluctantly, I waited again for couple more days and never received the replacement card. 
It seems that they do not have any records on file of ever shipping a replacement card to my wife in XXXX XXXX or to me at the XXXX home address at this point in time. 

On XXXX XXXX, I gave up on trying to resolve this issue with the phone reps and decided to take my issue on their corporate XXXX page. I got a response stating that they would relay the message to a group that would call me soon ... which I never got a call back from, but for the interest of being fair, I did ask them not to call me until they had a resolution, meaning, I wanted them to take action to ship me a replacement card as soon as possible. I also sent an email to the CEO ( XXXXXXXXXXXX ) with no response. On XXXX XXXX 2016, with no other options left, I took a chance and sent my wife my CapitalOne credit card with my name on it via XXXX XXXX XXXX mail, hoping that she would not have any problems using it since it did not have her name on it ... and on the same day, I got a call from a rep from CapitalOne who reviewed the issue and took action to send me a replacement card to my home address overnight and the card arrived the next day. I sent the new card to my wife via XXXX XXXX XXXX mail again and she received it today ( XXXX XXXX, 2016 ). The entire process took 28 days and during the process, we were forced to spend what little cash we had while paying for various international bank fees for the transactions with our personal checking account. The vacation was planned for XXXX XXXX to XXXX XXXX, 2016 and nearly half of the time was wasted waiting for the replacement card. I feel that CapitalOne has failed to meet the minimum quality of service and should be liable for their neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I think Capital One 360 may have experienced a large security breach and is n't disclosing to customers and investors. Somebody altered information on my account, I quickly updated my credentials to prevent further activity. After pointing out the issue that I had resolved Capital One 360 froze my accounts without warning or authorization. They are refusing to immediately unfreeeze my accounts. They are claiming they ca n't transfer my funds to my new checking account. I will not have access to any money until sometime next week. 

A lot of customers are complaining about this same thing on social media, hold times for their security department are longer than what they normally should be according to Capital One 360. This believes that the breach of my account was not an isolated incident and stems from a more broad breach of Capital One 360 that they may be hiding from customers, investors, and regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
My credit report shows that I owe XXXX XXXX and this particular debt collection agency is collecting the debt did not notify me of this debt and give me a chance to respond. I was successful in getting this deleted in XXXX out of the XXXX credit reporting agencies, but ca n't get XXXX to budge unless I pursue this further.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have an account with Capitol One and they have placed it in restricted status without any option to ever remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am starting to be harassed by Capital One credit card collections. I do not want any harassing collection phone calls from Capital One. I want this collection action by them to cease and desist from now on. My roommate has XXXX and needs his peace and quiet from these annoying calls. Capital One has already made to harassing calls on a daily basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United Acceptance Inc.
State: FL

Complaint narrative:
Auto loan closed and payoff ans dhow open with XXXX and XXXX, balance is XXXX and need to be removed immediately from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
On XX/XX/2015 my Stepmother received a phone call on her cell phone from XXXX Byrider asking if I was going to come in and make my payment. I was not past due my payment was due that day. You can see from my payment history. My personal and loan information was disclosed they discussed that I was due for my payment. Under the terms of my loan agreement listed under Remedies A : you are considered to be in default at 30 days. They also violated the consent to monitor and record phones calls. My Step Mothers phone number is not publicly listed and she did not give her consent. I want to be released from the loan and have the title to the jeep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One. I was told some time ago that they would lower my interest rate from something like 23 % to 20.15 %. They are charging me 20.4 % per XXXX a supervisor at Capital One. She says because the Federal Reserve Rate was increased. That should have no effect at all on my interest rate. I was told my interest rate was going to be 20.15 % for six months and now they need to go back and correct my account. There may be others as well that need to have their accounts adjusted. I never received a notice from Capital One stating that they were raising my interest rate. They have to tell me what my interest rate is under Federal Disclosure laws, they did not. This may be a class action lawsuit. Okay, so the Federal Reserve Rate is increased .25 %? They are already charging three times the Federal Reserve XXXX so the .25 % is better off in my pocket than it is in Capital One 's. Right now I have no money, have doctor 's appointments to make, and have to wait until the XXXX to get more money. I have attached statements showing my interest rate was 20.15 %. XXXX of the documents is awful looking, but you can see where they were adding interest to my account. At this time I had the card paid off by XXXX XXXX XXXX XXXX, where I get a much lower interest rate. Also, I am getting student loans now and they are about 4 %, I am trying to pay them off and just keep the cards for emergency only, and since the interest rate on this XXXX is higher than my XXXX Account, I will probably eliminate this card altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XXXX 2012 120 days past due as of XXXX 2012 90 days past due as of XXXX 2012 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I purchased a car from a private party for personal us on XXXX using my CAPITAL ONE credit card via XXXX. The car was delivered without a title and numerous undisclosed issues the worst being a rusted out frame. I contacted the seller and he refused to allow me to return the item or correct any of the issues the car had. I filed a dispute through my card company. XXXX and the seller responded. My card company ( capital one ) gave me a list of things I needed to provide in response to keep the dispute open. I completed more than they asked for except for one item which was simply impossible for me to provide, that being " A second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem could be corrected and at what cost ''. This was a private party sale, there is no comparable merchant that I can provide a written statement from on company letterhead. I contacted Capital One and the rep told me that is just standard wording, explain in your response why it can not be provided and that should be fine. I did that in my letter, since it 's impossible to provide. Furthermore, the seller did not deny the issues the car had, I provided photos of the rusted out frame and seller simply said 'it 's still worth what you paid for it '. I then get a letter from Capital One stating my submission lacks 'all the previously requested information ' meaning the 'second opinion ' letter on company letterhead which was not possible sincere is no comparable merchant on a private party sale and the seller did not deny the condition of the car. My contention is the request was impossible to provide leaving me sitting with a car, no title, and rusted out frame ... ... ... and out {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conduent Incorporated
State: IN

Complaint narrative:
I received a letter claiming that I have unclaimed property on a debit card account thru XXXX Bank. I have never had an account with XXXX nor havei ever heard of them. They said that if I do n't contact them by XX/XX/2016 Indiana will claim the amount. I do n't know wwhat they are talking about.

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
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX and the creditor was notified. After my bankruptcy discharged in XX/XX/XXXX I checked my credit report to make sure all my debits were showing as included in my bankruptcy one creditor Capital One was still showing my account in Charge-Off status. I disputed the item on my credit report through XXXX and received a response that the debit was valid. I contacted Capital One directly on XX/XX/XXXX was told by XXXX agent # XXXX XXXX that the debit was exempt from bankruptcy. According my bankruptcy filing only taxes, federal student loans and child support are exempt from bankruptcy proceedings with a few other exceptions but unsecure credit cards are not the exception. At my creditors meeting during my bankruptcy proceedings Capital One did not dispute the debit. All debits prior to XX/XX/XXXX are discharged as of XX/XX/XXXX per bankruptcy discharge papers from the court system. I am asking for you assistance in resolving this matter as it is negatively affecting my credit. I am trying to rebuilt my credit and having bankruptcy is difficult without have a discharged debit being considered twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Somehow my XXXX online payment did n't get processed. I realized this error and attempted to make the payment the day after the due date. A few days later, it still had not processed so I made it again and the third time it went through but of course, I had accrued a late fee. I called about it affecting my XXXX minimum payment and the agent I talked to said it would be removed and reflected on my XXXX minimum payment as well. I went in to pay my XXXX minimum payment on time ( XXXX when it 's due XXXX ) and the balance was still reflecting the late fee. I talked to a new agent who told me they only removed the late fee off the overall balance and account but can not adjust the minimum payment. If I do n't pay my total minimum payment, including the portion due to the late fee, I 'll accrue another late fee in XXXX. This will continue on until I finally do pay it. So I 'm being charged a late fee on a balance that 's only there due to a late fee they are " unable to adjust ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are multiple concerns but will start with XXXX. Although XXXX XXXX XXXX took about 7 weeks for researching my case, the research proved to be inadequate. Capital One agreed that I paid for credit card protection plan for unemployment and XXXX reasons. I became unemployed.Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed XXXX. Capital One made monetary restitution but has not removed the lates. The representatives were more interested in hounding for payment instead of applying the protection benefits. 
Therefore, the issue at hand is Capital One credit Card Protection policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: CA

Complaint narrative:
Lexis-Nexus had erroneous information on my driving record which affected my Auto Policy through XXXX. I had to file a request to receive the false reporting via their auto system. When it came, and I contacted them to dispute it, I had to wait 1.5 hours on hold to finally get someone. She cleared it up w/ in 3 minutes - but not before I wasted all my time doing this. In addition, my auto renewal policy will become due prior to them correcting their false accusations, so I will have to pay a premium on my policy for renewal. Really, really disappointed. This needs to be addressed as I 'm sure I 'm not the only one being effected by their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Jim Bottin Enterprises, Inc
State: IL

Complaint narrative:
On or about XXXX/XXXX/16, I entered into a membership agreement with XXXX XXXX via agreement number XXXX. XXXX XXXX XXXX stated when I joined that there are several locations I can go to for the membership. However, it was later determined that the closest location was more than XXXX miles away from my address. On or about XXXX XXXX, 2016, I sent a letter to XXXX XXXX cancelling the membership. On or about XXXX/XXXX/16, I received a call from an employee stating that they will cancel the contract and refund all monies immediately. XX/XX/2016, I received a call from XXXX XXXX XXXX on behalf of ABC Financial Services ( XXXX XXXX ) stating that he is going to have me arrested or take me to jail if I do not pay the debt. I immediately informed him that it is illegal to threaten someone about a debt. I further explained to him that I sent a letter via certified mail on or about XXXX XXXX, 2016, requesting that the membership be cancelled and that all monies be refunded. I sent notice to XXXX XXXX XXXX. On or about XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from XXXX, XXXX, XXXX XXXX XXXX, attorneys at law on behalf of XXXX XXXX in regards to agreement account # XXXX in the amount of XXXX. On or about XXXX/XXXX/16, I sent a certified letter to XXXX disputing the debt. I want documentation on how they arrived at the XXXX when it is clear the membership was cancelled on XXXX/XXXX/16 as well as the gentlemen stating all balances has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Was notified in a letter dated XXXX XXXX by capital one visa my " card information may have been stolen due to a data breach at a business where I recently shopped. '' Called capital one customer service on XXXX XXXX to simply get the name of the business. Was refused the information and told I needed to contact visa customer service. When I did, they refused the information and was told i needed to conact capital one. When I spoke with a supervisor at capital one customer service was told it was policy not to give out that information. I believe I have a right to know which business in which I shop had the data breach, and obviously capital one visa knows the business name and refuses to inform me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one makes many mistakes with my mortgage and refuse to explain their mistakes. When the consumer does find their mistake capital one refuses to correct it1/ On XXXX/XXXX/2015 balance was {$800.00}, XXXX yet despite receiving a full payment on XXXX/XXXX/2015 my balance increased to {$810000.00} by XXXX/XXXX/2015. see statements attached2/ Despite making the payments each month and capital one receiving a payment on XX/XX/2015 that was approximately one thousand dollars more than the required payment on XXXX/XXXX/2015 I was charged a late fee of {$180.00} which capital one has fraudulently refused to remove. This " fee '' was assessed a few weeks after a complaint to the CFPB against cap XXXX on a different issue. Is this how they retaliate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 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: GA

Complaint narrative:
XXXX XXXX turned me over to a collection agency to collect for an insurance policy that I never purchased. The policy that I asked for a quote was for a house that I never closed on. I am receiving collection mail and phone calls stating that I owe them {$230.00} for this policy. I never purchase the house or the policy., I had asked them for a quote. A company called Credit Collection Services. Phone # XXXX, person name is XXXX.

Company response to consumer: Closed with explanation