vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Back in XXXX I purchased a vehicle, XXXX ; My financing at that time was with a local financing company. After having the vehicle for about 3 to 4 months, I received a correspondence that Capital One was now the lien holder of my auto loan. I began making payments through the new account online through Capital One 's website. My auto loan payment was roughly $ XXXX. After my account was switched over to Capital One, I started receiving calls about late payments, additional fees, and also that my car payments were now $ XXXX. I had to make these disputes each month and still never received a resolution even having all of my original bill of sale documents. In XX/XX/XXXX, I traded in the XXXX for the vehicle I currently have now and have not heard anything from Capital One. Several months later, about XX/XX/XXXX and XX/XX/XXXX, I had my credit checked and found that Capital One was reporting this auto account as severely delinquent. I went through the process of contacting them as well as making disputes with the credit bureaus in regards to this account and did not receive any information as to how to resolve these errors. One instance when I called Capital One, I spoke to 5 different people, and each gave a different story, however no one has ever sent me any information to validate this account. I have been reaching out to them and to the credit bureaus for over 2 years now, writing letter after letter of disputes, deletions, and even letters of validation and to no avail, I do not receive anything in return. My last round of correspondences that I sent out again to Capital One and to the credit bureaus was in XXXX and I have yet to receive a response again. I 've exhausted going through credit resolution services, etc. trying to get this account removed from my credit report as it is being reported inaccurately. The car was originally purchased for about {$12000.00} and Capital One is reporting this car now as a Charge Off/Repossession for {$10000.00} as of my current credit report that was pulled on XX/XX/XXXX. Whether the car was traded in for the full balance owed and then resold, I am not obligated to this debt any longer as the car is not in my possession and was transferred correctly. I am at my wits end as these errors have negatively impacted my credit abilities for several years and I do n't know what else to do in resolving this situation. I do n't believe that it is fair to me to have to make a possible settlement on a debt that I 'm not responsible for and would like if this account is removed in its entirety from my credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been a victim of identity theft. In XXXX 2015 I was reviewing my XXXX account and noted that a Hard Inquiry had been made from Capitol One ( a financial institution which issues credit cards ) and was listed on my credit report with XXXX and XXXX accounts andalso in my personal information a new residence address had been added. I never contacted Capitol One and requested credit and I have lived at the same address for over XXXX years and have not moved. I am requesting that the Hard Inquiry from Capitol One be removed as I never requested credit from them from all credit agencies specifically XXXX, XXXX and XXXX. I am also requesting that the fraudulent address which was added to my credit report personal information be removed. Capitol One Bank has contacted me and I informed them that I never contacted them and requested credit and I needed the Hard Inquiry they had reported to the credit agencies removed which was removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Date of deliquency was XXXX XXXX, 2006, it has now been over 8 1/2 years and I should not be held to pay this and should be taken off my credit as a debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
When I opened a CapitalOne credit card by phone, the sales person committed fraud by not disclosing that the card had a $ XXXX/mo annual " membership '' fee Until now, CapitalOne had been waiving this to make up for that, but now I 'm being treated rudely and I 'll need to close the account because they will no longer waive the fee they never freaking disclosed. 

It will hurt my credit score to close the account and I can not afford to, but I 'm not going to be hustled for $ XXXX/year either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Recently, I applied and received the Capital One Platinum credit card with no annual fee. However, on my 1st statement, Capital One charged me a {$19.00} membership fee. The Platinum card agreement details and even Capital One 's own web site clearly state this card has " No Annual Fee. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One is reporting my business credit on my personal credit report. When applied for the business account a federal XXXX was given ( XXXX ) and I was told and told them everything was to be on my business LLC not personal they are reporting on my personal and I want it removed and added to business

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I took out a credit card over seven years ago just before the financial meltdown when times were somewhat good and rents were still really low. Being that I had never had a credit card before and it had a low limit I thought I was doing okay. They kept raising the limit and the interest which raised the note each month I had to pay before I realized it and they knew on my account notes that I was on a fixed income. so I tried to do what I could. It finally got to be too much and I could n't pay on it any longer. They started with harassing calls, threats with a collection agency until finally I got the police involved. Now it is past the seven years that the FCRA says they can legally keep it on my credit, yet Capital One keeps it on there like a dog with a bone because they do n't want me to ever have a chance to start over. They want me to stay in the ditch forever. The whole point of the seven year rule was that you get to start over at some point. Not let it keep hanging like a noose around your neck forever. They also have an account of mine when I used to have a checking account which they activated some kind of auto debit which I did n't even know about and it overdrew my checking account by XXXX bucks. They did that thinking with my medical XXXX check going in automatically they would make money off of me. However, I was a little too quick for them. And so was social security. They were able to aid me in getting away from Capital One 's predatory tactics once and for all. They nor I however dreamed Capital One would chase me until my grave.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitalone- I have a capital one quicksilver card.. It was issued to me with the promotion of no apr for one year and a credit limit of {$3000.00}. After the year my apr was supposed to start as 12.99-15.99 % based on credit worthiness. During my intro year I was happy that my credit limit was doubled. It was doubled to {$6000.00} because of my good payment history and good credit worthiness .... I used my card a lot after this increase l, feeling as though I was developing a good relationship with capital one and my new card. My apr kicked in this month while I have a balance of over {$4900.00} ... I was surprised my apr is 22.99, higher thanI have ever had on a card. It feels as though I have been tricked into this debt with this incredibly high apr. I 've never missed a payment and my credit is strong. It 's bad business on capitalones part, and they will do nothing. So here I am..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company, Capital One NA is contacting my cell phone ( my cell # XXXX ) everyday at 30 times per day, calling me after XXXX XXXX and using several phone numbers as follows : my area code is XXXX-The communication tactics are deceiving, misrepresenting/who is contacting my phone with my area code ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We have these individual who used our Business Checking Account for his personal use to pay his credit card. It tremendously affect our business operations and mess the owner 's credit score because of this fraud issue. We have filed police report for this identity and grand theft. Please see attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a credit card company, Capitol One, that is suing me for a credit card that was not my account. I began by filing a fraud affidavit for this company, to later be notified that a trial is beset for this credit card that has been fraudulently established in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One takes centuries to approve a new credit card. The agony does n't end there-almost a month since i was informed about my card being mailed to me and nobody has a clue where the credit card is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Portfolio Recovery is trying to collect on a debt for Capital One and I have NEVER had a Capital One account. I do not owe this debt and have been fighting it for a long time. They have yet to prove to me that it is mine with any application or signed document. They are affecting my credit and financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I had applied for a loan with Cash Time Title Loans on XXXX XXXX, 2016 and this report came from a third party source and I have been identified as a victim of identity theft with a FTC Report and No. and also a Police Report. My credit report is suppose to be on a 7 year credit freeze however, XXXX XXXX went through a third party. This Credit Reporting Agency named LexisNexis Risk Solution Bureau LLC has listed me as : XXXX - Lien/Judgment record found, XXXX of sub-prime credit services solicited and XXXX XXXX Multiple SSNs reported with applicant. When I tried calling this number in XXXX GA no one would answer and it would just ring, Therefore I was told credit was offered at less than favorable terms. No one could and would give me any explanation. I feel this is an illegal and unethical fraudulent company that payday loans used on their clients and it 's unfair and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Representative, First, I have been charged three late fee payments when my account has had automatic payments from my checking account for many many many years, and no one from CapitalOne has contacted me regarding this matter. 

Second, the current charges outstanding in the account were disputed as the card was lost, a dispute was filed for those charges on the phone, and a paper dispute was sent by me via USPS mail as requested by the card company. 

Third, the account was closed without contacting me and without giving me a reason. 

Lastly, negative information has been reported in regards to the issues mentioned above to the credit reporting agencies, affecting my credit information due to this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: LEXISNEXIS
State: IL

Complaint narrative:
Lexis Nexis issues : The last week of XXXX, 2015 ; I went online to " opt-out '' of their XXXX products. I followed the insturctions and uploaded the necessary documents. A XXXX letter I received a letter from Lexis Nexis stating I need to upload my documents. I sent an email to them directly ( see attached ) with the document I uploaded. I received a response stating my request has been approved. I sent another email with additional request to FREEZE my XXXX account and to inquire about my PIN number. I have yet to receive a response from Lexis Nexis via mail or EMail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: MOHELA
State: NJ

Complaint narrative:
Hello, I am filing a complaint against my federal student loan servicer, MOHELA. My student loans have been serviced by MOHELA for a number of years now and I have consistently made my payments which has recently increased to {$780.00}. When I enrolled with MOHELA for online payments, I provided my cell phone number as the means to contact me and I have not changed that number, nor have I given MOHELA any indication that my cell phone number was not the best number to reach me at. I have called MOHELA from that number, as well as received calls from MOHELA from that number. On Thursday, XXXX XXXX, 2016, when my loan was only 21 days past due, MOHELA call my in-laws and left a message about my student loans at their residence. Of course my in-laws immediately called my husband to inquire as to what was going on and whether my student loans were behind, which is clearly none of their business. I immediately called MOHELA and spoke with a representative. The representative indicated that while my cell phone number was still listed as the primary number, that my in-laws phone number had been added through skip tracing. I was horrified that MOHELA would have gone through skip tracing measures on a 21 day delinquent account and when there was already a good number on file. I have never lived at my in-laws address, nor have I ever been associated with their phone number. I am in-house counsel at a mortgage company and I understand fully how this process works. My situation did not warrant the measures MOHELA took. MOHELA has violated the FDCPA by communicating with a third party about the collection of a debt without my consent. I demand that MOHELA pay me a civil penalty in the amount of {$1000.00} that I would be entitled to if I brought a civil action against them, which I would not hesitate to do. At this time, my student loans are current. The {$1000.00} can be applied towards my XXXX payment and the remainder towards my XXXX payment. I also demand that my account be coded to avoid any further skip tracing. Skip tracing is not necessary, the number I have provided is the correct number, and the status of my student loans is nobody else 's business but my own. I am a full time working mother and would like to avoid the need to pursue a civil action, but if this matter is not resolved as requested, I will not hesitate to file XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Sarma
State: AR

Complaint narrative:
Recently I check my credit report and I was shocked to see a collection on my credit report! I have a spotless credit history up until this point. It 's was collection for a medical bill I did n't even know it was in collection. I have n't received any communication from this collection agency. And as far I can tell they made no attempt to contact me about this before reporting it to the credit bureaus. I was totally unaware about this! I have zero information about this collection, other than it was from a hospital visit XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Received blue cash preferred from American Express about XXXX and started purchases on XXXX. Today received first statement with a XXXX $ assessed annual membership fee. 
When applying on line for ABOVE card I do not recall seeing any such fee. Have concluded using this card for the assessed fee. My charges have concluded with my two week and three days XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
On XXXX/XXXX/2016 I contacted Midland Credit Management to pay a debt a settled amount of debt owed. All there communications to me was either a California address or XXXX Colorado. I was hesitate to give my banking account number and routing number so I told the gentleman I would pay it with credit card. Once payment was approved a foreign transaction fee of {$150.00} was attached. I feel that the company should have told me the charge was coming out of XXXX XXXX but that information was not revealed to me at the time. I am aware that the credit card company charges this fee but had Midland Management informed me correctly I would have used other options to pay them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Upon the direction of a BlueBird customer service rep. we deposited {$120.00} into a XXXX ATM with expectations of it being deposited onto our BlueBird card.After doing so we were instructed that is not an option.We contacted XXXX to have this issue resolved and they instructed us that we need to have BlueBird open an ATM dispute, so we did. BlueBird has told us that they are not willing to help, we have the phone conversations recorded.BlueBird has refused to help us file a dispute to regain the money their representative is responsible for us losing and has ignored all our requests to resolve.We faxed the documents they requested from us, a description of the issue and time and date and have fax confirmation.They asked if we had a copy of the receipt, upon us telling them we do n't have XXXX they insisted on a receipt as a way to pass blame. We have make no less than XXXX phone calls to BlueBird which is a part of American Express and sent XXXX faxes to them and they refuse to help in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
1. I applied XXXX XXXX platinum card and got approved on XXXX XXXX ; XXXX Ref : XXXX 2. I received new card and started using a card. 

3. My card was being declined on XXXX XXXX. 

4. On XXXX XXXX, I called XXXX security/fraud department number and was told that I will get a call with reference number. Once I have a reference number, I was asked to call back XXXX security/fraud department to verify the account. 

5. I did n't get a call with reference number and called back XXXX security/fraud department again on XXXX XXXX. 

6. I clarified my account and all activity and was told that I can use my card again. 

7. However, my card was still declining. 

8. I called XXXX security/fraud department again. I was told that security/fraud department canceled my account. 

9. On XXXX XXXX, I was told by XXXX customer service supervisor, XXXX, that my account is still active but no new activity can be posted due to security/fraud department action. Only way to reactive my account is closed the account and apply new one. 

I am filing this complaint against XXXX XXXX XXXX for following reasons 1. My account is still active but XXXX does n't allow any new activity. 

2. XXXX does n't allow me to use my card when I verified all my identity/activity since their security/fraud department canceled my account. On XXXX XXXX call, XXXX security/fraud department supervisor acknowledged that this cancellation was their fault. 

3. I am filing complaint against XXXX for their racial discrimination. My wife applied same card and used card for all same purchase I made. However her account was never frozen. Her last name is XXXX ' which does n't imply her XXXX XXXX. I suspect that XXXX security/fraud department selectively chosen my account since my last name implies that I am an XXXX. 

XXXX. I am being told only way for me to use XXXX Platinum product is canceled my current account and apply again. However, my current account has very attractive sign-up bonus offer which was noted in XXXX terms and conditions. XXXX is forcing me to apply to new account which offers much less sign-up bonus offer. I am suspecting that XXXX is doing this since they does n't want to honor originally offered terms and conditions.

Company response to consumer: Closed with non-monetary relief