vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-19 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: NC

Complaint narrative:
I responded to a letter from XXXX XXXX XXXX regarding an alleged debt by sending them specific demands for legally required paperwork they MUST provide as per The Fair Debt Collection Practices Act. All they sent me back were statement copies. The Federal courts have already ruled that statement copies alone do not meet the standard for validation of a debt by a debt collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One is FRAUD! I have contacted them in the XXXX, MD Branch & Written letters! 
I had theft on all my capital one credit cards- Business & Personal were taken and used XXXX XXXX XXXX XXXX exp XXXX XXXX XXXX XXXX XXXX exp XXXX now the Business was removed from my credit report after contacting you but personal is reporting false!!!! I have also paid off my auto loan with them to get rid of capital one completely from my life since they careless to help me! That reports still owed! I do not trust them and they 're reporting false on my credit reports! They closed an active Justice account that was current and then reported that as well. I want them to remove the false reporting and fix the situation and help me! They charged XXXX in fees on a checking account that was compromised too, we need to further investigate them I bet others are taken advantage of too!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Received check fro Capital One, LLC for {$2400.00}. No letter with explanation. Check says refund but also says Expense check accounts payable, Called numerous people in capital One-all clueless. Routing numbers on bottom are for Capitol One, NA XXXX XXXX, LA XXXX. 
Guess its a scam? But ca n't figure out how it works. No money being asked from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
A some point in my XXXX year marriage my wife opened credit cards for herself using herself as primary signing for them, and then adding me as secondary without my knowledge or signature. I never received cards, statements, or used these accounts. We are now separated and going through XXXX and she has been been delinquent on accounts purposely to ruin my credit, which she has XXXX to a XXXX FICO in XXXX months, and I am being told no one can help me. She has bank accounts with XXXX plus, so paying XXXX was no issue. 

I have always paid every thing on time and early, and have as many as XXXX vehicles paid for in full over the past XXXX years. I own my home out right, and never am late on bills, taxes or utilities, but now I ca n't get a credit card, or apply for loans because she let a {$650.00} balance go two months late to Kohls Department Store. When I disputed to XXXX and XXXX they reviewed and then deducted and additional XXXX points from my credit!!!! For disputing it?? This is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
In XXXX XXXX or XXXX XXXX XXXX started auto deduction of monthly payment for a phone service that was never provided. After 30 days of waiting for them to provide said service without success, I open service with XXXX for my home base employment ( Work from home ) service. By the time I nullify my checking Account they manage to auto deduct XXXX payments of about $ XXXX {$29.00} ( not sure of the monthly amount anymore ). I request refund of the auto deduct payments, but instead they put my account into collection and I was harassed continuously. The last agency that had the account in XXXX I advised of the dispute and to remove it from my Credit report I thought this was done when there was no more communication until recently I was denied refinancing my home loan due in part to XXXX XXXX having a collection on my report. Even their own record indicate that I have never had any service from them and they owe me approximately 3 months refund of monthly payments that they auto deduct from my account. Please see the information that I Copied from the report below. 


Last Reported XXXX XXXX, XXXX Collection Agency CREDIT COLL Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$180.00} High Balance {$180.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, XXXXA XXXX ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
Company continues to call me even though I have spoken to XXXX different people that say my number is not on file with them. They each have said there is nothing they can do and that the calls should not be happening. This has been going on for well over a month. I do not owe anyone money. This debt collection service is located in New Hampshire, according to the pop-up on my cell phone. The calls come in DAILY! They are calling from XXXX. This is harassment that this company refuses to do anything about. Please HELP! 

Thank you,

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 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: CA

Complaint narrative:
I have been receiving incessant phone calls from Capital One, for a man named XXXX XXXX, who owned the telephone number before me that I now have. I have told each representative that I have spoken to, that I do not know XXXX XXXX, he does not live in my home, and that I now have the phone number that was once associated with XXXX XXXX. Each representative has assured me, there have been at least XXXX, that the number would be taken out of the system and I would no longer receive phone calls for the debt. However, I still continue to receive the harassing telephone calls. I told every representative that if I received another telephone call I would file a complaint, and no one is taking me seriously, or taking the necessary steps to remove my telephone number from their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: LEXISNEXIS
State: CA

Complaint narrative:
First let me clarify that my complaints are to the " consumer file reporting agencies '' .I had no idea that these data miners existed. I thought it was just the big XXXX Credit Monitoring Agencies. I may have not listed my complaint in the right catagory because Im not exactly sure what LexisNexis, larity ( and the others ) are reporting on me. The reason why I was denied a loan from XXXX is listed below ( allegedly ). Having to do XXXX separate complaints is time consuming so Im using the same complaint but submitted it 4 times to the XXXX companies listed I applied for an auto loan with XXXX. The denial letter I got stated some, " whole or in part '', the reasons on how they based their decision. The reporting agencies are XXXX, XXXX, XXXX and LexisNexis. The first part of XXXX reasons for denial was " could n't identify or confirm my personal information. I filed a complaint with XXXX on XXXX/XXXX/2016 stating that my information was not up to date and a collections account is not mine. Originally XXXX had stated that the dispute ( samer reasons plus identify fraud issues ) I had with them ( XXXX ) were resolved. ( results from XXXX= deleted from my credit ) and that they ( XXXX ) would contact XXXX and XXXX to do the same. XXXX and XXXX has not. Ive attached the email from XXXX, the dispute results from XXXX ( nothing was done ) and the XXXX report as to why they denied me. I have filed complaints with all XXXX reporting companies. XXXX, LexisNexis, XXXX, and XXXX. My last dispute was with XXXX on XXXX/XXXX/2016 The results for that dispute were unsatisfactory. The account disputed was still listed and more importantly they have old personal information ; address, name and employment information that hasnt been updated from 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
originally in XXXX I received a call from capital one indicating I had a balance over XXXX $ on my account. I went through my accounts with capital one and informed them that I did not own that account and that it is a fraudulent claim. there calls are recorded for quality assurance and they should be able to pull up the recorded calls. I advised them I had no knowledge of the account. the representative said she will investigate and call back. few months later my employer received a wage garnishment issued by the courts regarding the account I was called about. my employer advised me that she was to honor the court report to fulfill the court order. I filled out the financial statement presented to my employer and weekly there were sums of weekly XXXX $ collected in addition XXXX $ weekly for debt assessment fee. Now they are claiming that I still owe {$2100.00} and they are claiming that they will continue my wage garnishment until another XXXX weeks. based on the statements provided the attorney have paid themselves and later started paying against the judgement from XXXX XXXX of XXXX I have been paying out of my paycheck and still the attorneys are claiming that I still owe them money on an account I had never used nor had any knowledge about. I am requesting that capital one send me the original agreement with my signature indicating this is my debt. They are harassing me through my employer with continuous wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My wife and I have separate accounts at XXXX an XXXX company ( They would n't let us combine them ) My wife 's yearly payment came due. For some unknown reason They used my credit card to pay her yearly bill. A card I did n't even know existed. It 's a capital one card ending on XXXX that was activated years earlier accidently an never used. It was not the credit card my wife was using to pay her account. Nor was I using it at all, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
When I first applied for my Capital One card, I was told that if I 'd made timely payments on it for 6 months, I would be eligible for a credit limit increase. After making 6 months of timely payments, I saw no increase. I was XXXX for training with the XXXX XXXX soon thereafter, and missed a payment deadline ( as I had no access to a cell phone or internet device ). I contacted a member of my XXXX XXXX XXXX ( financial assistance ), who relayed my concerns to Capital One. It was my assumption that Capital One would understand my circumstances ( that my inability to pay was due to no fault of my own ), and reflect this information on my credit score, after I had paid my balance. Upon paying my balance, my credit score reflects XXXX late payment in XXXX, similar to as if I had simply not cared about paying for my credit card statement. My credit score suffered. 

In early XXXX, I authorized an auto-bill pay on this Capital One card. I was in the process of receiving a new debit card from XXXX XXXX when my payment was due for Capital One. My payment was declined and bounced back to Capital One, who never informed me that my payment had bounced. When I saw twice my credit limit being charged for next month 's bill, I sought to dispute the transaction. Only after ( two or three months later ) I had gone to the physical branch, did they tell me my payment had not cleared and that I was being assessed two months worth of credit card debt. I then paid, but after my credit score dropped significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
hi I bought a car from jd byryder in XXXX and it was a hot mess. it broke every other week. so I told them to come get it. I paid XXXX for a XXXX mazada truck which was a rip off. I reported them to the attorney general because I was suppose to be in this program with them to fix my credit from day one they never reported that I paid on time. and now when they came and got it 3 months later because it kept breaking down they are still repoting that I owe them XXXX on my credit after they sold it for almost the same price they sold it to me for. I do not owe them nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Predatory Lending Practices : I have continuously asked that Capital One send me a monthly billing statement and or give me access to my account online to be able to view my account for about 3years straight and for some reason the bank has refused to honor my request. I have made payments blindly each month and yet can not see or know if payments are applied to my account. in addition, this bank will periodically send my account into foreclosure, forcing me to pay attorneys fees, and all kinds of charges trumped up to avoid my house being foreclosed. I am just fed up of the constant rip off. 
I acquired this loan through XXXX. However, the loan amount has increased by up to {$10000.00} within the short time that Capital One took over in late fees, Lawyers fees, and inspection fees like ( property inspection? ) ; a home i have owned for about 12years. However, it is worth pointing out that despite payments made on this loan, it never reduce by a {$1.00}, for 10yrs, but instead became more than the original borrowed amount. 

Last year, I became bankrupt. And even while in bankruptcy Capital One continued to charge interest on this Loan. My attorney and I have asked that Capital One reverse those chargers, and start sending me a monthly statement by mail, email, or even give me access to my account online ; yet Capital has refused to comply. 
Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX/XXXX/2016 I purchased a service from a merchant through paypal for {$5500.00}. Paid {$3100.00} on XX/XX/XXXX and then the balance of {$2400.00} on XXXX/XXXX/2016. Paypal restricted Merchants account and refused to release the {$2400.00} payment. Paypal reasoner NOT justified and they have failed to provide any genuine issues of fact but continues employee the identical policy which brought about their latest class action settlement. As a result, the merchant refunded to me the original {$3100.00}, but since the {$2400.00} was frozen by XXXX our contract was cancelled and the service I paid for was NEVER RECEIVED. I contacted XXXX attempting to resolve the issue as did the Merchant with no resolution.On or about XXXX/XXXX/2016, I contacted Capital One, explained all the facts, spent over 30 minutes on the phone going over the entire issue. Provided the terms of the contract, the rental property information and thoroughly explained that the services i paid for were not provided. Capital One originally removed the {$2400.00} charge. Around XXXX/XXXX/2016 I received a XXXX page form from Capital One requesting identical information which I had previously provided to the fraud investigator and more information which was completely irrelevant. On XXXX/XXXX/2016 Capital One placed that charge back onto my card and against my available credit. On XXXX/XXXX/2016 I contacted Capital One again, the representative informed me the investigation is not completed and they will continue to investigate. However they would not remove the disputed charge of {$2400.00} from my account. They representative asked why i never returned the XXXX page form letter. I informed the representative that all the information requested was previously provided and that I have carried out everything I am entitled to do. I informed the representative that federal law and our contract requires them to remove that charge until the investigation is complete. They still refused. I also informed Capital One if they report my balance to the credit bureaus and include the {$2400.00} disputed transaction, they would be deliberately providing the credit bureaus with inaccurate information. Simply put, Capital one did n't not care and it seems they will simply do whatever they want regardless of policy, contracts or government violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I received a call from this phone # saying that they were from card services, tthe person stated there is nothing wrong with your account but you have anopportunity to receive 6 % interest rate. problem being the person could nottell me what bank card company I was with and they are saying that theygot my number & info from XXXX. I called my card company and they saidthat this is not them.the number in which was on my phone was ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: New Century Financial Services, Inc.
State: NY

Complaint narrative:
I was not mature enough to make that decision and was sent a credit card I never applied for. I was on XXXX and tried it ( the credit card ) to see if it worked because it came in the mail. It did I have since been in rehab trying to get my life together. 
I have much better judgement now and pray that I will be released from this debt.

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 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am XXXX, a fraudulent charge for over {$2700.00} was made to my account and not made by me. I disputed this with Capital One 360 and I received a notice they were deducting the funds from my account on XX/XX/2017. They took the funds on XX/XX/2017 even though I have submitted an affidavit that the funds were not authprized

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I APPLIED FOR A CREDIT LINE INCREASE WITH CAPITAL ONE. THE DENIAL REASON INDICATED " YOUR AVERAGE MONTHLY PAYMENT IS TOO LOW ''. I HAVE CONSISTENTLY PAID MY MONTHLY PAYMENT ON TIME AS WELL AS PAID MORE THAN THE REQUIRED MINIMUM PAYMENT UPON BILLING CYCLE. MY CREDIT CARD ACCOUNT IS INTEREST FREE, THUS THERE WAS NO INCLINATION TO RUSH TO PAY OFF ACCOUNT, ALTHOUGH I MADE MORE THAN THE REQUIRED MINIMUM AMOUNT DUE. THE PROBLEM SEEMS TO BE THAT I HAVE MADE SEVERAL SMALL INTERMITTENT PAYMENTS, WHICH ARE BEING TAKEN INTO CONSIDERATION. HENCE, THE " TOO LOW MONTHLY PAYMENT '' RATIONALE FOR DENIAL. THE SMALL PAYMENTS I MADE WERE NOT REQUIRED. THEY WERE SIMPLY DISCRETIONARY PAYMENTS WHICH I HAD NO IDEA WOULD POSE A NEGATIVE IMPACT UPON EVALUATION FOR A CREDIT LINE INCREASE. I HAVE PAID MORE THAN THE ACTUAL REQUIRED MINIMUM PAYMENT EVERY STATEMENT PERIOD. CAPITAL ONE HAS DEMONSTRATED UNFAIR CONSUMER PRACTICES BY CONSIDERING MY PAYMENTS WHICH ARE NOT REQUIRED OR RELEVANT TO MY ACTUAL REQUIRED BILLING STATEMENT. FURTHERMORE, THE SMALL PAYMENTS DO NOT INFLUENCE MY CREDIT REPORT IF THEY ARE NOT RELEVANT TO AN ACTUAL REQUIRED PAYMENT. THE DENIAL REASON IS NOT SUBSTANTIATED BY FACTS. A REVIEW OF MY ACCOUNT CLEARLY REFLECTS THAT I HAVE PAID MORE THAN THE MINIMUM PAYMENTHE UPON BILLING CYCLE. ANY OTHER PAYMENTS MADE ON ACCOUNT OUTSIDE OF BILLING CYCLE SHOULD NOT HAVE BEEN USED AS AS A BASIS FOR " LOW PAYMENT '' DENIAL REASONS. NOT TO MENTION, SMALLER PAYMENTS WERE DISCRETIONARY. I APPLIED FOR AN AUTOMATED CREDIT LINE INCREASE ON XXXX/XXXX/16 AND WAS APPROVED FOR {$750.00}, BUT I DECLINED OFFER AND DECIDED TO WAIT. I REQUESTED A CREDIT LIMIT INCREASE FOR THE SAME ACCOUNT ON XXXX/XXXX/16 AFTER CHANGING MY MIND FROM PREVIOUS XXXX/XXXX/16 REQUEST AND RECEIVED THE DENIAL REASON WHICH I AM DISPUTING. I WAS APPROVED UPON REVIEW OF THE SAME PAYMENT HISTORY FOR A CREDIT LIMIT INCREASE ON XXXX/XXXX/16, BUT DENIED ON XXXX/XXXX/16 UPON RESUBMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have paid money every month {$100.00} or {$210.00} every month for 3+ years on time to be applied to the principal. I work XXXX jobs, care for XXXX children and had the payments on auto pay, I finally checked my balance and realized that the balance had not really gone down. Plus I was being charged this superfluous " membership fee '' of {$3.00} each month, unbeknownst, unauthorized, and unwanted. I sent a letter requesting immediate credit for payments on the principal and refund of the membership fee to be either refunded or applied to principal balance. This is Capitol One " credit card '' and I took it out of my wallet as they fraudulently charged me fees and misappropriated funds that were to go to the principal balance.

Company response to consumer: Closed with monetary relief