vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Like many of the military veterans USAA serves, I filed for bankruptcy. I immediately confirmed my intention to pay my vehicle loan in full. However, USAA eliminated online access to the loan and refuses to even send paper statements. The only way I 'm allowed to verify account information is to call a separate phone number that rarely works, apparently due to under-staffing in the bankruptcy department. 

USAA will permit you to set up monthly automatic payments for your loan, but a representative warned me that they do not stop the payments once the loan is paid off. After inexplicably making it more difficult for members in bankruptcy to access their accounts, the policy of accepting over-payments is tantamount to stealing from USAA 's most economically vulnerable members. 

USAA also blocks members who have come through bankruptcy from full online account access granted to all other members. I was told this was " corporate policy. '' Considering the unique financial challenges facing so many of our nation 's veterans, I would hope USAA would support ( rather than exploit ) members who go through bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Eagle Collection Corp.
State: PA

Complaint narrative:
A representative has only called me twice in the last 2 days, then called my former place of employment for a debt from 3 years ago that has long been since taken care of.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
A fraudulent credit card account was opened in my name at Kohl 's in XXXX, XXXX. On XXXX/XXXX/XXXX Kohl 's acknowledged the fraudulent nature of the account and relieved me of responsibility. Now, Kohl 's refuses to act on my request to send me copies of the fraudulent documentation used in opening that account ; instead, Kohl 's states that such information will be provided only to a law enforcement agency, at the request of said agency. As I read Title 15 U.S. Code Chapter 41 Subchapter III Section 1681g, the victim himself is entitled to copies of the fraudulent documentation but must make the request for it in writing and must meet other reasonable requirements that can be imposed by the business which granted the credit. It is my understanding that providing the information to a law enforcement agency is contemplated in XXXX scenarios : ( 1 ) where the victim 's written request specifies which agency is to receive the documentation ; or, ( 2 ) where there happens to be a law enforcement agency investigating the ID theft and that agency is authorized by the victim to take the relevant records. I do not see how these provisions can be interpreted by the credit-granting business to deny the victim 's request to be given the fraudulent documentation directly. In my case, I have sent Kohl 's written requests to have the information sent to me. Accordingly, scenario ( 1 ) above does not apply. Also, as there is no law enforcement agency investigating my ID theft, notwithstanding reports filed at XXXX separate police departments, scenario ( 2 ) above does not apply. In summary, I believe that Kohl 's misunderstands the right of the victim of ID theft to receive directly, and not via a law enforcement agency, copies of the fraudulent documentation and is unreasonably attempting to require me to trouble one or another law enforcement agency to obtain copies of the fraudulent documentation on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was contacted by XXXX XXXX XXXX saying they were a collection agency and that my credit card was over XXXX days past due. I said that I always paid my bills on time and had just sent in a huge payment because I received my tax return. This credit card was not opened by me. I have never seen it, used it, nor signed for it. The address and phone number associated with the card was not familiar to me nor were they a part of my history. These were XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX. The man I spoke to at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) said that they called that number on XXXX and the person who answered said wrong number when they asked for me, XXXX XXXX. The ID for my case at XXXX XXXX XXXX is XXXX. I have placed freezes with all three credit bureaus. I also have filed a police report. My police report number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I used my credit card to purchase concert tickets for a venue that was in our area, and I never received the tickets that I was charged for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
See letters dated XXXX XXXX, 2015 and XXXX 2015. Initial complaint no. XXXX. This is unresolved. No other communication received from CFPB or Capital One. See statement for XXXX 2015 showing minimum payment and additional fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: TN

Complaint narrative:
Hello, I started a new job and told a rep this weeks ago and emailed the rep a few days ago also. I get XXXX calls a day then they email even after leaving a message or calling me to call them. I stopped calling them back now because I have asked for them to call me XXXX time a day after XXXX and also not to ever email me again and it has n't stopped. then a rep XXXX called me from her personal cell XXXX which is illegal! CNAC if you pull their phone records talk bad to me and I have paid perfect for 3 1/2 years! I want to sue this place for violating me and harassing me daily. please help shut this place down or make them learn to stop harassing consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a cardholder for 16 years. The initial terms included a XXXX/mo membership fee. Over the years, I have asked if they can remove the fee. They have said not at this time, we have no offers for you. Keep checking. Today, XXXX/XXXX/16 I got a supervisor who said the same thing. I asked since I 've been a long standing customer if she can change the terms. No, there would have to be an option to upgrade on my account. I asked her to check the file if there have ever been opportunities that I missed. She said no there have n't been. I said then I should just close the account. She said check with a financial person on how closing a long term account will affect my credit rating. So, now I am held hostage to this account. Over the years, it 's been {$960.00} in fees. If I close it, it will lower my credit score. It 's not right. The supervisor said there is no one above her who can make an accommodation. Only option is to write a letter through the post to the general correspondence department and ask them to change my terms. No phone number, no name. The terms were agreed to when I opened the account 16 years ago and they can not make a change. I would close the account, except that I know it will affect my excellent credit rating. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-09 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: FL

Complaint narrative:
Capitol One claimed to have sent IRS a XXXX for a ten year old debt that I own them, the IRS contacted me saying that I owe them about XXXX and some because Capital One sent them a XXXX saying I owed this amount of money, and kelp the owed amount in the Credit agency even after I paid the amount to IRS. I call to get a copy of this XXXX about three times or more, and never received it. This been going on for about two years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had the account with Capital One for more than 10 years. I always pay on time and more than the amount due. It is business card. This past year I was late twice - inadvertently - I called as soon as I realized it and paid up, again more than was due. Capital One has raised my rate from 6 % to 24 % due to late bills in the past year. I tried to get them to see I was a good customer for a long time, but I was told " If you are late twice, we have the right to raise your rate, and we do n't have to take into consideration if you are good customer or not. '' I was told that they could reduce my interest rate after 12 months of on time payments. This would cost me {$4000.00} to get back in their good graces. This may be legal, but it is still wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I pursued the purchase of a motorcycle and applied for credit. Inquiries were made to XXXX XXXX of XXXX GA. When I considered the interest rate of the loan, it was too much.The loan was to be issued through Capital One. I notified the motorcycle dealer that I did not want the loan. They had already initiated the money transfer without my signature. Later when I found out they they had done this, I notified them that I would not be purchasing the motorcycle from them. Capital One transferred the funds to the motorcycle dealership without any signature from me. The motorcycle company cancelled the sale and kept the money ( {$7000.00} ). I have requested the money be transferred back to the financial institution. It has still not been refunded. I filed a dispute with Capital One in the fact that I never authorized the loan with my signature. The complaint was filed as a fraud complaint. I believe it was fraud because the motorcycle dealer never notified me that they would be transferring the money. Also, when I notified the motorcycle shop that the loan was too high and that I would be shopping for another loan, the dealer had the chance to tell me the funds had been transferred and held that information. All of these details were provided to Capital One and they decided no fraud was involved. I am not surprised that they would decide that because, I believe what the motorcycle shop did was akin to theft and I am sure Capital One does not want to acknowledge any association with criminal activities. A couple of key facts : I never stepped foot into the motorcycle store, all correspondence was through email. I never signed any document. I filed a fraud claim with Capitol One, the money source, and they disapproved the claim. I do not have the motorcycle and Capitol One has sent me a letter saying I owe them {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
After the payments I made on the vehicle and the amount collected after reselling the vehicle. I was only to be responsible for the ramaining balance as per agreement. The amount being reported is incorrect and after numerous disputes Capital one auto finance has failed to correct this issue. They have also failed to send anything in writing as per agreement.

Company response to consumer: Closed
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
For my monthly statement with the due date XXXX/XXXX/2016 ( XXXX XXXX through XXXX XXXX ), the new balance was {$3000.00}. However, Capital One then reported my balance being {$3100.00} without notice and added a {$59.00} membership fee also without notice, seemingly attempting to put my card greatly over the limit, which brought my credit score down from XXXX to XXXX within the FICO reporting months of XXXX 2016 to XXXX 2016. I have paid {$100.00} and the minimum was {$97.00}. These are unfair practices by Capital One. The should at least warn me when they will add a membership fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I opened a checking account as per the bank 's promotion offer in their website. 
After fulfilling the requirements, bank is not honoring the bonus saying the offer was n't applied correctly or it had expired when I used it. 

I actually have the copy of their promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
When I arrived in XXXX in XX/XX/XXXX, in order to build a credit history, I opened a prepaid credit card with XXXX bank for an amount XXXX {$.00} In XX/XX/XXXX Orchard bank card was taken over by Capital One and they started charging an annual fees, which I did not realize at that time. Since I had other credit cards by now, I was not using the Capital One ( previously XXXX Bank card ). Then I got a phone call from Capital One saying that I had a pending balance, I was surprised since I had not used the card in many months. When I called the Capital One, their representative checked the data base and told me that there was no due balance and that the call must have been a mistake. Then after some days I was informed by XXXX of the credit monitoring companies that my credit score had changed due to a negative comment. When I dug deeper I found that Capital One had posted a late comment. I contacted the Capital One and the new representative this time informed me that I owed XXXX {$.00} which was basically the annual fees. When I told her about my recent conversation with XXXX of the other representatives, and the fact that she had denied any pending dues that time. This new representative apologized for the mistake and assured me that the negative comment would be removed. But nothing has been done so far, and it continues to affect my credit score. I am finding it difficult to get good terms for home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have XXXX accts that are not mine someone has used my information to open these accts even used different ss numbers with these accts I do not have any acct with capital one that is mine. these accts are fraudulent and opened using my stolen identity

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a MasterCard with CapitalOne XX/XX/XXXX they offered me a {$50.00} a month or more payment plan to increase my credit limit from $ XXXX- {$900.00}, I not only made payments on time and more than thee amount I also paid off the card in its entirety along with my XXXX card through them, in XX/XX/XXXX I personally requested XXXX increases on both my MasterCard and visa credit card which I was granted my credit limit on my MasterCard went from $ XXXX- {$1500.00} and I was supposed to still receive my increase automatically for capitalone on XXXX/XXXX/16 I did not receive my increase so I called and was told since my bill comes out on the XXXX/XXXX/16 I would get my increase then, I had also called a few weeks prior and spoke with XXXX different people and was ASSURED that I 'd receive my increase because I received a message stating CONGRATS YOUR INCREASE CAME XX/XX/XXXX, the increase that I PERSONALLY REQUESTED so I called them up immediately and explained that they still owed me in increase they said you 're right XXXX XXXX we apologize you will definitely get it on XXXX/XXXX/16 FF to today XXXX I call because I still do n't have my increase I speak with an accounts supervisor who once again tried to pass off my personal request for an increase as part of the plan and then after doing further review she stated on you 're right but you actually wo n't get it until XXXX, XXXX which is 7 months not 6 months, I am very upset and I am not waiting anymore I want the increase that is owed to me and I want it TODAY or I will sue capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Direct Banking claims they never received a deposit of {$170.00} money order by mail which was sent a week again and I did another moneyorder for {$170.00} priority mail, now they are returning my items but they are affecting my credit. The post office advised it was received but the bank now claims they do not have it. I need to be able to pay my bills but according to the the person I speak today advised no deposits since XX/XX/XXXX but I received a direct deposit to the account on XXXX/XXXX/16, I do not believe, I have been a customer for 10 years but they are causing my credit rating with the return items. The money orders have not been cashed yet but that does not mean they did not receive them. I want all return checks fees plus my {$340.00} credited to my account otherwise I file fraud charges against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XXXX/XXXX/16, I purchased a voucher from XXXX for {$35.00} using my Capital One Venture card ending in XXXX to clean my air ducts. I redeemed my voucher before the expiration period ( redeemed around XXXX/XXXX/16, expired on or around XXXX/XXXX/16 ). The merchant, XXXX XXXX XXXX XXXX, was not able to get a rep out until XXXX/XXXX/16, after the expiration of the voucher. The rep advised that they could not clean my air ducts because my AC unit was in the ceiling. 

I called XXXX XXXX XXXX XXXX, who said that they can not redeem the {$35.00}, and to contact XXXX. So I called XXXX, who has said that the voucher has expired and the money was sent to XXXX XXXX XXXX XXXX, and to call them. I submitted a XXXX complaint with Living Social, and still got nowhere, and was told to contact XXXX XXXX XXXX XXXX. This is where it gets comical ... so today,XX/XX/2016, I three-way called both XXXX and XXXX - they literally were yelling at each other over who was going to refund me the {$35.00}. They both acknowledged that the service was left unrendered, and that I was owed money. At the end of the call, XXXX XXXX XXXX XXXX advised that they would " unredeem '' the voucher and XXXX said once that is done, they will refund my {$35.00}. So ... wait for it ... I waited 2 hours, called XXXX back, and they refused to refund me the {$35.00} because it expired XXXX/XXXX/16. 

I literally can not make this story up - this is a true story and a valid dispute. I was conned out of {$35.00} and these XXXX companies will not work together to refund me the money. 

I am sorry that I am submitting a complaint to Capital One and disputing this charge, but this is the last resort I have before contacting my attorney. I understand that this is increasing your complaint volume, but I would really appreciate it if you can do the right thing here and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have requested information/ validation on this debt bearing my signature and have not received anything stating that I owe this debt. I have included numerous certified letters of dispute for validation bearing my signature have not received anything included in this complaint .XXXX have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with XXXX, never signed a contract, nor do I owe them any money.

Company response to consumer: Closed with explanation