vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I 'm late in payment, there is no dispute there. The problem is how late and the lies that I 've been told both by capital one auto and speedy recovery. 

I 'm 3 months late, which is no more than {$1000.00} past due including fees. 

The repo agent came to the door and I asked him if he had a replevin order. He said a writ of possession will be filed very soon and then he left. He also told me that the past due was {$1900.00} in range. I then called Capital One Auto. 

I was told that by their agent named XXXX that I was past due {$1400.00} at the time of the call and that it was scheduled to charge off that day, XXXX XXXX, by XXXX. I told her I had just started working and could make my payment in 3weeks. She said no, it will charge off by XXXX that day. She also said that XXXX XXXX said I told them they 'd have to go legal. I never said that. I asked if it was already legal, but after three months only -- I assumed it was not. 

I did n't have the money one week later, but another rep told me that it was not about to charge off at XXXX that day. And that the first rep had deceived me. 

Today, they continue. I received an odd vmail from what I believe is the repo company requesting I call back. I 've never called that number and do n't know any XXXX. I also received a call from Capital One on my vmail stating that the loan was charged ( the word " off '' missing ) and that they were moving forward ( after only 90 days ). It charges off at the 120 day mark which would be in this month, not last month. 

The abusive concepts and scenarios are amazing and shocking to me. They literally are creating precontext for dishonesty, abuse, and deception at a major bank and recovery company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was issued a card from Capital One. I used the card ONE TIME for a {$40.00} purchase of gasoline. After that the card was put on a fraud block. I called four times to clear the erroneous block. Capital One would not even speak to me without my ( 1 ) providing copious amounts of written personal information including information about my brother who had nothing to do with my account ; or ( 2 ) going to a local bank and enlisting the help of someone there to prove my identity. All of this seemed like a phishing scam. Since I could not use the card, I paid the amount due and cancelled the account. ( I actually paid more than the {$40.00} that I charged for gasoline since my assistant included at least part of the annual fee in the check that was sent to Capital One. ) Since that time, I have received monthly bills for late fees, interest and an annual fee. I paid for what I bought, I own no late fees, interest and an annual fee ( since I cancelled the account within the time period allowed for cancellation without an annual fee ).

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

Complaint narrative:
Capital One sent us checks to be used at 0 % interest for twelve months. NEVER did they say a 3 % fee would be added on to the amount for the written check. I used a check in the amount of $ XXXX and they charged me 3 % of that check upfront. It never indicated a fee and yet Capital One said it was in the fine print. Capital One is a thief and we shall see what you are going to do about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A couple years after I noticed a credit card on my credit report that I never signed for. In the last 3 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. I want this item off of my credit reports immediately. They are seriously affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I opened an account at XXXX ( USAA ) around XX/XX/XXXX. Shortly thereafter, I became joint owner on my roommate, XXXX XXXX 's USAA account. In XX/XX/XXXX after I realized he had met financial difficulty, I asked that my name be removed as co-owner from his USAA accounts. I was able to do this through my own online account access. I completed the process and was successfully removed from XXXX XXXX 's account. I am attaching screen captures reflecting the completion of this process along with a confirmation from USAA indicating my request was complete. 

In the meantime, XXXX XXXX amassed obligations to USAA for an overdrawn account - the same account on which I was previously listed as an owner - and in the end, his financial obligations to USAA were discharged via Chapter XXXX of the United States Bankruptcy Code. However, even though I was successfully removed from XXXX XXXX 's account, USAA has blocked my own account access and services and has informed me that I am indebted to them in the same amount XXXX XXXX was indebted. 

Several months ago, I phoned USAA 's customer service, and without disclosing my name or account number ( I told the representative I had generic questions that were not account specific ), I inquired about the process to remove oneself from an account where he is the joint owner. Specifically, I asked if an account has a negative balance, is it possible to remove oneself from that account using USAA 's online services. The representative told me that it is not possible to complete such an action ; and that if attempted, the system would block it and return with a message requesting the member contact customer service for further details. 

I was removed from this account as co-owner BEFORE XXXX XXXX became indebted to USAA, yet USAA is continuing to hold me liable for this balance, and they are preventing me from accessing their full suite of services - services I would otherwise be eligible to access. Not only am I unable to view previous account data and records, I am unable to use the accounts I have housed with USAA. 

I was under the distinct impression that in taking action as soon as I discovered the joint-owner 's financial situation, I was protecting myself from liability and demonstrating that I did not contribute to this account mishandling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a victim of an online at home business scam. I received many unsolicited telemarketing phone calls from several companies, they all promised me profitable online business. This company, XXXX XXXX XXXX called me on XXXX, XXXX was the name of the agent that contact me, he was very persuasive. He explained that without the social marketing that my site would fail. He said that XXXX XXXX XXXX would do the marketing and develop keywords to increase the site visibility and that would get me up to the first page of searches. That they would do an average of XXXX posts to XXXX and XXXX, so I would have continuous exposure. XXXX XXXX would set up a XXXX ad words through XXXX. I expressed concern that the site was not active yet. He said that the marketing should be done way before the site is active to give it exposure so people will be able to find it. I was told a rep. Named XXXX would start posting immediately. I also be taught how to do this myself in the future. XXXX would continue posting as long as I paid {$99.00} per month. If I did n't continue, that the site would not be viewed in searches. Also, that without a targeted XXXX release the site would fail. XXXX then spoke to me about renaming the website. We did some brainstorming on the phone and came up with " XXXX XXXX '' and the lower price of {$2800.00}. I only saw a few posts here and there. I lost contact with them once I asked for my refund, they decided not to answer my calls or return it. I believe they never had any intentions of selling me a legitimate business and actually make money of it like they promised me. I was scammed and I need your help to get my refund since they never provided me with the services that I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 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: PA

Complaint narrative:
Payoff was made by bank in XXXX 2011. Original creditor did not credit to account until XXXX 2011, and assessed back interest and fees. Debt collection agency has been sent documentation on two different occasions and has just now sent statements- over a year after contact. This debt has been paid, and needs to be reflected as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Had cash back bonus available & over 3 months ago I called to have it applied to balance. Now the status of the card has changed and because they never did it 3 month ago now they wo n't. The card was Capital One and I just wanted my bonus to be used towards paying my debt and they did n't do their job then or now.Why is that ok that they do n't have to uphold their end of the contract but I do!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am contacting you in reference to a matter that I 've had to send communications to Capital One about. Everyother month Capital One XXXX reporting my auto loan on my credit report, I dispute it, it updates correctly and thenreappears. I filed bankruptcy due to having XXXX bills from the birth of my son ; however, that hasbeen discharged for XXXX years, my reaffirmation agreement with Capital One was declined by the judge. 
Nonetheless, I continue to make payments on my vehicle and will until it 's paid in full. My issue with Capital OneAuto is the credit reporting ; it 's incorrect, should n't show anything but ( account closed, bankruptcy XXXX, zerobalance ) or something of that nature. Anything other than that is a clear violation of the FCRA post-bankruptcydischarge requirements. I 've communicated with them at least XXXX times over this year alone about the same thingtrying to get it permanently resolved. To report a discharged debt as something else ( for example, '1charged off ' orhaving a balance as more than zero ) violates the provision of the FCRA that requires creditors from reportingincorrect information. XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). it is also a violation of the FCRA if I 've notified them about theincorrect reporting XXXX several times XXXX, but then they still have not permanently corrected it. XXXX XXXX XXXX ( a ) ( XXXX ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One filed a dispute to each major credit bureau without my permission. I contacted them to inquire about a " goodwill removal '' of late payments incurred on my credit card during a time I was unemployed. I specifically stated I was not disputing the late remarks on my account and was asking only for compassion, being that I have been a customer for XXXX years. I clearly stated during the call that I did not want them to file a formal dispute with each credit bureau. The representative told me he understood my request and informed me that an " internal request '' would be made for goodwill removal of the late payments. Today, I contacted Capital One to ensure a dispute had not been filed, and in fact it has been. I was then informed by a supervisor that Capital One does not grant goodwill removal of late payments, however when I directly asked the original representative this question, he led me to believe Capital One would handle such requests on a case by case basis. Today I 've asked Capital One to correct this mistake and they state they must make a request to an internal credit department and that their mistake " might be '' corrected. Further, I 've asked Capital One for the transcript of my telephone call yesterday as proof of my original request. They have refused to provide it to me. It is easy to find other cases exactly like this with a simple internet search.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One has not shut down my card after I called and let them know there was something going on with charges. That was at XXXX and then they said they would investigate while I paid XXXX a month to keep our credit repaired. Then, I stopped that about two months ago and said no. I kept asking when the investigation was done and they did absolutely nothing to stop it. My kids had a lunch program circulating on the card which I do owe for, but after this long, I do n't know what is what at this point. But, the agent at Capital One a gentlemen I have his name, said, " Yes, I see where you asked to report fraud ''. This company needs investigating, just go and look online it 's multiple clients having similar problems. I also went through in the beginning transactions with an agent to determine what was going on. I 'm a XXXX, not an XXXX. They need to take responsibility. The card is up to XXXX and even with repeatedly paying they just kept raising the amount because of over limit. What a raquet. I will be writing XXXX Trump to see if there is something that can be done by the white house and credit card railroading companies. This is not fair. They actually owe me money as agreed upon because there was no investigation from the first time I called them and the card was allowed to keep on going after several attempts to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Amount paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I had my credit report pulled on XX/XX/2017, on that date I was showing a 30 days late for XX/XX/2017. I submitted a dispute and the credit bureaus said it is resolved but as of XX/XX/2017 it still shows a late. How on earth can I be 30 days late for XX/XX/2017 when we were on the XXXX day of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I used my Capital One Reward Miles to the tune of XXXX of them to purchase a package which included airline tickets and hotel. After waiting for several hours we were told the flight was cancelled. In conversations with Capital One they offered a flight two days later and also advised the return flight at the end of the week was also cancelled and they offered to replace that with a flight two days later as well. None of that worked so we said cancel the flights and give us our miles back. They said they could only do that if the package was cancelled and it was possible the hotel would not be available to rebook. So we left as is until after the trip. Now Capital One claims that the flights were not cancelled but only delayed within a reasonable period of time. All lies and shown to be such by their very own notes from the original calls, but they choose to stick to this story rather than honor was promised at the time, a refund of miles for airline travel. Now they put us on hold for 40 minutes at a time only to come back and give the same answer. A travesty! Especially since our business spends XXXX thousands with them monthly!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I had a collections on my credit with XXXX XXXX XXXX. We tried to pay it, but they sent us to collections because they said I could not pay with them. Yes we were way behind, hard times at that time, it was either food on the table or car insurance. So I contacted the collection company and they told us that if we paid the debit it would be removed off credit. We settled and it is still on our credit. Its says paid, however it 's still there and they told us if we paid it would be removed! Here we are trying to clean up credit and pay everything off, yet its still on credit! What was the point! 

Can you please contact Credit collections/XXXX and have them take this off all credit reports! We paid it! 

Thank you!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Recently, I received a copy of my credit report. The credit report showed a credit inquiry by the companies listed, and that I do not recall authorizing. I understand this should n't be allowed to put an inquiry on my file unless I have authorized it. I have written Capital One Bank to have the inquiry removed from my credit file, but received no response. I have sent the complaint letter certified mail but I received no response to this issue. I kindly asked the Capital One Bank to forward me documentation that I have had on file or removed it all together. The creditor did not have authorization to inquire into my credit report as a breach may have taken place and my social security # has been compromised. 

Capital One Bank did not bother to respond or provide documentation that a credit inquiry was authorized by me. I am complaining about the deceptive and unclear authorization form supposedly I received to acquire such inquiry. The creditors have ignored my challenge which I sent Certified Mail Return Receipt Requested and kept track of the time that I sent the letter. By law if the inquiring creditor does n't respond within about thirty days. I have ample grounds to demand some action. At that point, it 's almost irrelevant whether or not you authorized the inquiry. This has becomes about the creditor 's lack of response to a consumer dispute. I am holding my grounds and demanding that the inquiry be immediately removed. 


I XXXX XXXX give permission and consent to the Consumer Financial Protection Bureau to obtain all XXXX credit reports to verify credit history. 

RESOLUTION : Would be to remove the inquiry or suppress by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am contacting your agency because I need your help in disputing some charges done on my Capital One by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate all charges done on my Capital One card by the companies : XXXX, XXXX, XXXX charged last year between XX/XX/XXXX and XX/XX/XXXX. I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XXXX XXXX I received a fax through my job fax machine it was for a vacation package and it stated it was through XXXX and it was also from my HR department. So I called the XXXX number on the flyer I asked them in a ton of questions I also asked if he was XXXX he told me yes he was XXXX after speaking with the man I felt comfortable I gave him my credit card over the phone I asked for confirmation he said once I sign my credit card slip I will receive my vouchers and my confirmation and all the links to pick my hotels. So i esigned the credit card statement then I got my vouchers and I also got my emails I clicked on the link when I got home and something did n't seem right I did a lot of investigating and I found out that they have reports that this was a scam I look them up and sure enough they were on the scam list I called them back the next morning and I told them that this was a scam and they hung up the phone on me, I then called back and tried to cancel they said I could not cancel my vacation package because it was Final sale. I called my credit card company Capital One they told me not to worry that they will get my money back and I will not be responsible for this they did an investigation and then I received a call that the investigation was closed and they could not retrieve my money back. After they called me and told me that I ca n't receive my money back, i called again and I told them to call on three-way with me to show them that this is a scam they said they did n't receive enough documentation but I told them that I did n't receive any documentation from the vacation all I had was what I sent them. So the people from Capital One called the vacation place, XXXX with me on 3 way she then told them that she knew this was a scam and that I need to get my money back they told her no they freaked out on her and hung the phone up on her Capital One has all that on recording and they still do n't want to pay me my money back. They told me they have to follow procedures but how can they follow procedures when they clearly heard that it was scam them self. Please do n't ever try to get a vacation package through American vacations and also be careful what Capital One tells you because they do n't really back you up

Company response to consumer: Closed with explanation