vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had to late payments near the end of 2015 on my Capital One credit card. XXXX and XXXX I believe. I disputed them because they are reported as 30 days late. In reality XXXX was only 10 days late and the other 15 days, the late fees were even reversed. 
The dispute request to have the late payments removed since FCRA allows reporting after 30 days late was denied and the negative information remains. 
I would like Capital one to remove those negative marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Case # XXXX do not have a CapitalOne card but supposedly, i was a victim of Identify Fraud and CapitalOne is harassing me about owing purchases I did not approve or was aware of. 

history : on approximately XXXX XX/XX/2015, a CapitalOne Fraud rep left a message saying me asking if I recently applied for a credit card. when i went online to get their fraud department, they said i was not responsible and not to worry. 

Then on XXXX XXXX, 2015, a CapitalOne fraud rep named XXXX XXXX ( XXXX ext. XXXX ) started asking me aggressively with more personal questions, which i felt awkward giving out, I told her i would call back. When i called their main fraud line at XXXX, they said my case was closed and that XXXX XXXX probably did n't have the right information and not to worry that everything was closed. XXXX XXXX XXXX then called me back and said I needed to answer all these personal questions and i told her i just got off the phone with her team and was assured everything was closed so she replied, " fine, you will be responsible for all charges now '' then hung up. 

In my mailbox, i was sent a letter from CapitalOne Fraud via XXXX XXXX XXXX stating that they completed their investigation and have found that I am responsible and I owe {$3500.00}. I was tempted to call her back but called their XXXX main Fraud line and again, their rep said I am not responsible? It seems like CapitalOne has so many layers within their organization, let alone their own Fraud department, that I keep having to talk to multiple people who either ( a ) says I am responsible, which i am not or ( b ) who says to ignore their own department and that I am not responsible. Now I am getting the run around and not sure what to do here. 

Please have someone who can tell XXXX XXXX to close my " made up account '' - that I did not open and stop harassing me. in fact, i would think CapitalOne would train their Fraud department not to harass the people that are victims. You guys should have my number based on the case # i provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX my bank account was seized by XXXX XXXX XXXX who are representing New Century Financial for a debt that I dont believe is mine. I got the courts to release the money on the XXXX asset rule and the debt was taken off of my XXXX report and marked satisfied on XXXX. At the time I thought it might be XXXX as the original creditor. A year later they have seized my bank account again and now they say the creditor is actually XXXX XXXX XXXX. I do not owe XXXX I dont even know who they are. In the meantime I can not get XXXX XXXX XXXX to prove validity of the debt. they claim it has to be mine because they were awarded a judgement that I knew nothing about. Original papers were sent to outdated address. How can I get these people to Validate this debt or at least leave my bank account alone. They have refused to help me get any information at all.

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 explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I phone capital one customer service to set up over the phone payment. I exchange information with rep including my bank routing number. We clarified my payment would come from my checking account. Capital one set the payment to come out of my savings. After three tries and negative XXXX in my savings I called them to try and figure out what happened. After several service reps I finally got a supervisor who XXXX way called my bank. Capital one left off XXXX XXXX in the beginning of the account. They did n't seem to think they were needed. My bank clarified that the XXXX zeros deciphered if the money was to come from checking or savings. She also indicated I would not be reported late for this error. She returned my late fees but told they they could do nothing about the XXXX in charges I had to pay my bank. She agreed the errors were computer issues with capital one and my bank. Next thing I know I have a 30 day late and this made my credit score dive XXXX plus points. I have tried everything. I emailed, chatted through email, called, and written. I have been told the late fee would be removed and yet again it is still there. I keep receiving letters from cap one stating there account information is correct however when speaking with them in person they say they are correcting it or will dispute it. When I file disputes with my credit bureaus they just take the information from capital one and never investigate my claim. I appreciate any and all help you can assist me with. My late is for XXXX. I have XXXX accounts with capital one and have never had a 30 day late reported until XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One failed to deliver my bill to the correct address, resulting in a missed payment. As soon as I discovered the issue, I immediately paid my balance in full and contacted Capital One by telephone. Capital One acknowledged that the error was on their end and agreed to promptly reverse all resulting late fees and interest charges. Nevertheless, Capital One subsequently reported negative information about the late payment to the credit reporting agencies. 

I initially disputed this information with XXXX and no action was taken for well over a year. When I followed up again, Capital One purportedly confirmed that the information was correct. I then complained directly to Capital One via email. After receiving a generic response letter I responded with my own letter explaining the situation to them once again, and attaching the billing statement reflecting Capital One 's reversal of interest charges and late fees following Capital One 's telephone acknowledgement that the error was theirs ( attached ). Nevertheless, Capital One has refused to correct the credit reporting error. Capital One 's derogatory report is the only negative mark on my otherwise perfect credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016 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 non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a credit card with Capital One and they abruptly suspended the usage on my credit card due to suspected fraud from me. I submitted my license and verified my identity and they still have restrictions on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I charged XXXX dollars on my credit card for a procedure the merchant in return charged my card XXXX I disputed the XXXX and capitalone have me a tempery credit made me fill out paperwork and send in my receipt which I did for the XXXX charge now they said the merchant repliled and sent them a receipt with is not even my signature for a charge of XXXX and they ca n't do anything else because I do n't have a cash receipt for the XXXX I paid in cash I sent them a letter in from my grandmother who paid the {$3000.00} cash on the day of the procedure along with my {$500.00} receipt for the charge and they told me they need proof that the XXXX was paid in cash from the merchant if the merchant was trying to rob me which it seems like he is then why would he give me a receipt for the XXXX cash I was rushed in the XXXX under XXXX and could not even think when I woke up this is crazy my XXXX year old grandmother handed XXXX in the off cash the day of the procedure for me I do n't know why capitalone is worried about the cash part when I sent them my proof and receipt for {$500.00} authorizing only XXXX and when they said they had a signed receipt from me from the merchant for XXXX I said the signature was fraud they said they ca n't mark it as fraud because I gave them my card this is insane I 'm not paying {$7000.00} for a XXXX dollar procedure I will sue capitalone and XXXX there not helping me obviously the merchant is trying to rob me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To whom it may concern, I XXXX XXXX received a credit card from capital one. I had used the card once to withdraw {$60.00} from the ATM the card worked perfectly. Then I went to the store to purchase a gift for my daughter, the card declined. I went to another store with the same results. The next day I called capital one to check my card and was directed to the fraud division. They asked me a few test questions which I had answered all correctly except for one question. I was instructed by capital one to send a copy of my social security card, utility bill and my New York state ID. First I had faxed everything but capital one said that it was n't clear enough. Then I had uploaded it on my lab top and capital one said that it would take 24 hrs. before my card could be re activated. After the 24 hrs was up I was told by capital one that it would now be 72 hrs. I participated in capital one 's survey giving them a horrible review., at the end of the survey capital one asked me was I the same person who contacted them on XXXX XXXX. I had replied saying yes and now when I call capital one I can never get a live person on the phone. I received a letter from capital one today stating that I might be a victim of identity theft which is another lie that capital one has told. Some of my friends have said that the same thing has happened to them. My husband said that he was n't ever able to use his card because Capital one told him that he was a victim of identity theft. Capital one done nothing but send me back XXXX and sabotage my daughter 's birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XXXX/XXXX/16 Capital One agreed to settle my credit card account for {$800.00}. The {$800.00} was paid through my spouses bank account on XXXX/XXXX/16, which cleared the bank on XXXX/XXXX/16. On XXXX/XXXX/16 Capital One took {$75.00} from my bank account with no authorization to do so, the account was settled. I called in on XXXX/XXXX/16 to advise that an unauthorized payment was taken out of my bank acxount and the account with Capital One was settled out on XXXX/XXXX/16. I requested the funds be credited back that same day. The manager advised that it would take 15 days to be credited. 15-days expired on XXXX/XXXX/16 and as of today XXXX/XXXX/16 the funds have not been credited back to my bank account. I need assistance and I want to make sure this does not happen to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have disputed this account several times with Capital One. I have informed them that this account was a result of identity theft. I sent Capital One a Fraud Affidavit and they still have not remove this account from my credit file. They are in violation of the FCRA by not removing this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I currently have a Menards card through Capitol One. They are constantly charging me 24.99 % APR interest. They say this is supposed to be variable compared to the national average. How could I ever have a chance at paying this account off at that rate?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a legal item showing on my credit report for {$3800.00}. This was from Capital One. I was not allowed to make minimal payments during a financial hard ship I was in due to particular medical issues and money. I was trying to work to keep this item paid the best I could at the time. They wanted me to put a huge " down payment '' in order to lock in and secure a settlement amount. I was not able to do that. I had no one to borrow money from and cause if this account on my credit I could n't do a balance transfer like they suggested. This item was place in my credit as a lien item ( ref # XXXX ). I have tried to work with them to get this matter resolved and was asking the best attempt to pay this with payments of {$50.00} which they told me I HAD to set up with auto payments. They did not allow. Me to make payments on this as a settlement amount, which I feel is unfair and a lie. I have heard other people are able to do so and have done so. They told me the lowest settlement amount was like 60 % of the total debt. I feel that was an unfair statement and a lie. The debt was places with a so called attorney office but they were very rude and harassed me about this bill continuously with threatening tactics. I made a complaint to capital one and it was supposed to be sent back to original creditor, capital one, they told me I would receive a settlement offer in the mail, but never have. I am tired of the stress and hassle to try to pay this dept. I have had many unexpected medical bills come up. I think it is wrong when companies take advantage of consumer because we do n't know the proper wording to use to get them to be honest with us. It is unfair that one can pay 30 % of a debt that is owed and make payments toward that but they refuse to allow me to and say that 's not possible. That is unfair and deceptive and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have XXXX credits with Capital One and each XXXX of them charges me {$55.00} dollars a year for use or services, I have asked Capital One almost since they were issued to me to please consolidate them to save money on these annual charges. I have had these cards nearly ten years. Capital One has always refused that request. Today it is so more important because I am unemployed and on social security and XXXX XXXX years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
I have been receiving over XXXX calls a day from a Car Finance company that goes by the name XXXX located in XXXX NC. This company has been leaving very detailed information about customers loan status as well as personal information on my business voicemail. I have given the company a verbal and documented Cest and Desist letter. But I 'm still receiving the calls and even text from this company. The reps have stated they were given my business number as a number for personal contact. I know this to be untrue because my number is associated with my small business and the only reason to call it is for questions concerning my business. The numerous calls over and over and at anytime of the day and night is harassing and my next steps involve me contacting my local police department to file a complaint for harassing phone calls. I do not have any financial ties with this company and I would like them to be investigated about why there leaving other customers loan info on my business voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My Capital One credit card payment is due on the XXXX of the month. While scheduling the payment, on the evening of the XX/XX/XXXX I discovered that I had been charged a {$25.00} fee because I did not make my payment before XXXX. I receive paper statements in the mail and make my payments electronically. Nowhere on the bill did I see that I would be charged {$25.00} on the XXXX if I did n't pay by XXXX. I have never been charged a late fee by a company when I 've set down and made the payment on the date due and it is wrong for them to set some arbitrary time during the day of the due date to pay the bill. This is just a scam to create fees on accounts that are in the interest free period. From now on I 'll be sure to schedule the payments on the XXXX to avoid this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
DIVERSIFIED ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone 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 DIVERSIFIED 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 : DIVERSIFIED 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 XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
My capital one credit card is charging me outrages charges for interest and cash withdrawals and will not let me complain about a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was XXXX for this credit card and Capital One is still listing on my credit file as they are collecting which is a violation of my rights. I have disputed this with not even a response. Please help this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got into an accident and my car was declared totaled. After my insurance and the gap made the respective payments I was left with a balance of a little over one thousand dollars. I always had the best intentions to make the payments to the point that as soon as I was in the accident I was going to make a payment, however, I was n't able to since Capital One had already turn off my account. Then I started receiving phone calls from an auto dialer and every time I picked up was always a machine. Then I was able to find the time to make a phone call and I was close to then get to a settlement. After that I had a loss on the family and had to leave the country and also incurred into many expenses that I had n't budgeted for. When I came back I saw that Capital One had negatively reported me to the credit bureaus which caused for my FICO score to drop over XXXX points. I did not like that since I had been working on fixing my credit for the last XXXX years to purchase a house. With this drop it is nearly impossible for me to get qualified for anything. I also went ahead and got to a settlement which I paid the same day I got on the phone with someone. I find ridiculous that my credit took such a dive due to this.

Company response to consumer: Closed with explanation