vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed a loan that was appearing on my Credit History with Capital One Auto Finance. Initially, the Fraud Claim Questionnaire was sent to the wrong address despite my correct address being perfectly clear on the correspondence I sent to COAF in XXXX, 2015. After repeated attempts to reach COAF over the phone I was able to get COAF to send the Fraud Questionnaire to the correct address. I sent in ALL of the requested documentation along with the Fraud Questionnaire, which included a Police Report from XXXX County Florida, and my Drive 's License as requested by COAF 's instructions on the Fraud Questionnaire. I did NOT apply, open, or benefit from this account, nor did I authorize anyone to do so on my behalf. Whoever opened it did so illegally, fraudulently using my personal information and most certainly without my knowledge or authorization. 
Despite all of this COAF refuses to remove the Fraudulent Account from my Credit History claiming I sent a report from " XXXX COUNTY '', Fl. which is almost XXXX hours away from where I reside and got the Police Report in XXXX County., Fl . They are also indicating on my Credit History that payments were made to the account, they were not. I 've never had an account with Capital One Auto Finance, and I 've never made payments to the account I am disputing. Capital One refuses remove the account gain, claiming the Police Report from " XXXX COUNTY '' was " misrepresented '', again, the Police Report that was sent to " Capital One Auto Finance '' was from " XXXX COUNTY '', NOT " XXXX COUNTY ''. 
It upsets me the carelessness of this whole process, sending sensitive material to an address I wo n't even reside at. This despite the correct address being clearly shown on the written correspondence sent to COAF in XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have a business credit card with Capital One. Over the last several months, Capital One has ( according to their customer service and fraud departments ) changed my BUSINESS mailing address on the account to my residence address without my knowledge or authorization. I have just spent over XXXX minutes on the phone trying to resolve this, only to discover they have changed the address yet again. They have escalated this to a " fraud '' investigation, yet THEY are changing the address - they say - based on information they are receiving from the Post Office. They have never verified these changes with me, the card holder. They simply change the address, and as a result the due date on the account also changes ( which is what prompted the call by me ). It seems address changes should be verified by the account holder, as anyone with computer access can put through an address change - and in this case - redirect mail away from the business address to a residence. Fortunately, it went to my personal residence, but these changes should not be made " automatically '' ( their word ) without verifying the change with the person RESPONSIBLE for the account. My attempts to resolve this through their customer service department was fruitless and incredibly frustrating, especially given the language barrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is charging me excessive fees and reporting late payments to XXXX.XXXX and XXXX. 
Capital One approves me XXXX credit cards but company denies me credit increase over {$700.00} and {$500.00}. 
Why approve me on another credit and gives me denial on credit increase. 
Is it to charge me high annual fees for both cards? Late fees are included also. 
I am on XXXX XXXX XXXX and Retired. 
I am a Military Veteran. 
Capital One practices needs to be regulated by Federal Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The following is an explanation of the background and issue I have had with Capital One. 
I had purchased a XXXX vacation program in XXXX XXXX. The XXXX vacation membership program I purchased included a " XXXX '' benefit where the owner would be reimbursed for the time share maintenance fees in exchange for XXXX to have rights to the timeshare for the corresponding week. I submitted my time share for cash exchange and was advised that it would not be accepted since the all-inclusive was mandatory for the time share. This exception was not disclosed to me at the time of the purchase of the vacation membership program. I was also not advised that there was a service fee for the cash exchange and that the week had to be reserved for a specific week of the year. The XXXX XXXX was the primary reason I purchased the membership program. XXXX has not paid the maintenance fee for my time share as they agreed to in the contract. I contacted XXXX after receiving the XXXX email and was advised that they would not honor the cash exchange for my time share. I requested a refund and was advised that they would not refund the charge for the membership. 
The merchant has not addressed the issue during any part of this review. The information they responded with did not in any way address the issue. 
I have contacted the Merchant, XXXX XXXX XXXX XXXX, the merchant, several times and left my contact information. I have not received a return call. My most recent message was on XXXX XXXX, XXXX. I sent an email to the merchant and they did not respond to the issue. 
A second opinion from an attorney was provided to Capital One indicating that the Merchants actions were considered fraudulent in nature. 
A second opinion from another merchant in the same field was provided to Capital One indicating that the Merchant 's actions were considered fraudulent in nature. 
When I learned that the merchant did not disclose the pertinent information about the vacation program to me and because of that I could not use it, I requested Capital One to dispute the charge. I have provided an explanation of the issue and second opinions from an attorney and another merchant to Capital One. All of the documentation requested by Capital One was provided. Capital One has not addressed the issue with the Merchant. The Merchant has not responded to the issue. There is no mention of the cash exchange in the Merchants correspondence. The second opinions clearly state the actions by the vendor were fraudulent. Capital one has not clearly stated why the dispute was considered resolved in their opinion. Capital One has not appropriately addressed this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS
State: LA

Complaint narrative:
Yes I apply for a security freeze to be place on my credit file to LexusNexis, and it was place successful with no problem. So my husband was told to place a security freeze on his reports as well. Ok I receive my pin and all. I receive a call on today, that Lexusnexis remive my security freeze wuthout premission. I was told it was issue in error. I been a victim of someone keep applying for credit in my name. Also I have a relative with the same name and her credit is also been added to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 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: Collection Service of Nevada
State: NV

Complaint narrative:
I signed a contract on or about XX/XX/XXXX for 1 year ( 12 months ) of XXXX for my son. The terms of the contract were {$100.00} to cover the cost of the uniform, etc, and 12 monthly payments of {$99.00} each ( total monthly payments to be {$1100.00} ). My debit card was charged {$100.00} by XXXX XXXX XXXX on XX/XX/XXXX for the down payment. 

On XX/XX/XXXX and XX/XX/XXXX, my debit card was charged by XXXX XXXX XXXX for {$99.00} for the first two monthly payments. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my debit card was also charged $ XXXX monthly payments, except instead of being charged directly by Martial Arts Legacy it was being charged through their payment company. 

When I noticed the XXXX charge, I called the billing company and told them to stop billing my debit card. They agreed, and I guess in turn notified XXXX XXXX XXXX, who then informed me that I still owed them 2 payments. I told them I had already made all of my payments, and they responded by stating they would send my account to collection for the final 2 payments ( which I had already paid ). 

Not including the down payment ( which I knew was separate ), I made 13 monthly payments of {$99.00} to Martial Arts Legacy when I should have only made XXXX. This summer I received a letter from Collection Services of Nevada ( CSN ) stating that they were attempting to collect a debt of {$190.00} for XXXX. I went to their office and provided them with a copy of my contract, along with copies of bank statements showing that all of my monthly payments ( plus one additional ) had been made. 

On XX/XX/XXXX I received another letter from CSN stating that they " do not agree with your position '' and claiming that they had " supporting documents '' that showed the debt was valid and that they 'd sent me " validation of the debt. '' Just for good measure, they threatened to file a law suit if I did n't pay. 

They have never sent me copies of their " supporting documents '' nor " validation of the debt, '' I have provided them with proof ( bank statements ) showing that all payments to XXXX XXXX XXXX were made, yet they are still reporting this to credit agencies and threatening me with a law suit. 

Can you please help me resolve this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 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: IL

Complaint narrative:
I have disputed this Capital One Credit card charge off for almost a year straight now. This account has been reported with incorrect information the entire time it was placed on my credit report. I disputed this XX/XX/XXXX to verify this was my debt. They did not provide me with a single piece of documentation showing this belonged to me. They sent me a letter stating they do n't have reason to believe it is anyone else account. At this point they realized they need to stop reporting it in XX/XX/XXXX. They did not stop actually reporting it though until XX/XX/XXXX in which at that point they went and sold it to XXXX XXXX XXXX. They then reported on my Credit report that they sold it in XX/XX/XXXX! This is not the case as I have attached copies of my report showing it was still being reported by capital one all the way up until XX/XX/XXXX. They have also had all pieces of information mis-matching all XXXX bureaus with account status, date opened, balance, past due amount, and payment history. I have contacted them directly to get this taken care of. They told me that it is not them and that in fact it is the bureaus that are reporting the information incorrectly. I then contacted the bureaus who in return said Capital One and XXXX XXXX XXXX is reporting it this way. So they are giving me the run around. I am at a dead end because they are not following the FCRA Regulations. They have different information on all XXXX reports showing information that is clearly not proven with any documentation or the reports would match one another. 
Bottom line, Capital One sold this debt when they were told to delete it by the credit bureaus because they could not provide the information necessary to satisfy the dispute. They then went on to sell it months later and told XXXX XXXX to report that it was sold to them XX/XX/XXXX. XXXX XXXX XXXX is now violating FCRA regulations by reporting false information and incomplete information without any documentation that has been requested numerous times. They are acting reckless and negligent to my family and I financial situation and hardship. This account needs to be deleted from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
We were on vacation when our debit card number was hacked. We reported this to our bank after discovering several charges in XXXX, XXXX ( we live in XXXX ). The XXXX was also consulted. We did n't get a chance to call XXXX ( CNAC ) as it was the XXXX XXXX weekend, and frankly we were in shock. The bank froze our account until this is resolved. CNAC wants a letter, or fax to them, but XXXX XXXX will not do this. Why would we want a letter to us the bank is keeping us abreast of this situation? CNAC calls at least 4 times a day. I tell them the same thing every time. It is bad enough this company sells people who do n't have the means to get a car any other way because of issues in their life. We have said car into the shop 6 times. Brakes, radiator, rear tailight, and other things. This company needs to be investigated. This company also uses a device that changes numbers every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The fraud department has had our business credit card accounts on hold for several weeks now due to payments they want to verify. Although we disagree with the fraud hold initially, we understand the need for security. What we do not understand is why the fraud hold has not been released almost 30 days after the payments were made. 

The fraud department has indicated that they want to verify the payments in question by calling the banks that the payments came from. Unfortunately, XXXX of the institutions do not disclose any information about customer accounts over the phone. The capital one fraud department needs to find a better way to verify payments, and absolutely should have a means of automatically removing security holds after several weeks. In any case, I have attached statements to this complaint, and highlighted the payments showing that they have cleared. I have also attached photo ids of the account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Barclay issued me a credit card that I had no idea existed, I never activated it and of course never used it since I did n't know about it. Got an email stating there was a past due balance, called to figure out what happened and was told a 60-days past due was automatically reported to the credit bureaus. They cancelled the account ( apparently ) and zeroed out the balance, and confirmed it was a bank error. However, they ca n't tell me what they are able to do to correct what is now a negative credit history reporting. They will not get me a letter stating it was ( a ) a bank error ; and ( b ) my credit history with them is in good standing, both things I need to now submit to the reporting agencies. I have spent about 6 hours dealing with this error, because my credit history is excellent and I do n't want this error to ever be reported. They claim that their process is automated and they ca n't do anything about it. I spoke to supervisors who claim that there is no one else I can speak with to get results. 
I just want this corrected immediately, because timing is of the essence. If it is not corrected, then my credit score will go down and it will take months to correct it. 
All of this for a card I knew nothing about, and never received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a checking account with Capital One. 
On XXXX/XXXX/2015, I deposited a handful of cash notes at a Capital One ATM machine ( ATM # XXXX ) at XXXX XXXX, Virginia at XXXX. However, the money was not deposited but was eaten by the ATM Machine. The ATM Machine returned to me a slip listing the ATM #, the time stamp and the date with a comment " We encountered a problem returning your cash. Please contact your financial institution ''. 

I called Capital One debit card number at XXXX around XXXX. I was told by the recording that the staff has gone for the day, I need to report the claim after XXXX the next day. I called the Capital One again on XXXX around XXXX, and reported the claim. The representative asked me to give a ballpark number of how much money I deposited and got eaten, at that time I could not tell, because I did not count the cash when I made the deposit ( I have never had similar experience in the past so I forgot to do so ), but I indeed put in a handful of notes. I gave a number of {$500.00} maybe, so the representative told me that they would deposit this amount of money into my account first within 3 days or so, and the claim would go through investigation for a couple of months. 

Afterwards, I counted all the money in my wallet, and compared all the cash return, all the transaction info I have had. This information led me to believe that I probably had over {$900.00} deposited and eaten. So I called Capital One again mid XXXX to report this amount, and got another {$500.00} temporary deposited into my account. 

Today I received the decision letter listing '' After looking into it, we 've approved {$100.00} of the {$500.00}. We had to deny the rest of your claim because of : We checked our ATM records and they do n't show an error for this amount '' My claim number is XXXX. 

I do n't know where this {$100.00} comes from and what it means. Does it mean Capital One finds that I only deposited {$100.00} into my account on XXXX and eaten by the ATM, or it was only a money as comfort. The whole experience has been tedious and frustrating. Nobody contacted me during the 2 months ' claim investigation, and I was not told how much money was eaten at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have XXXX credit lines with Capital one all were on ACH. For some reason - XXXX of my cards is n't on ACH all of a sudden and then I received an email this morning relating that I missed a payment ( Discovered later on my own - Capital one CS could n't explain this to me ). No calls or emails were sent indicating i missed my late fee until just now, which was stating i was n't eligible for a credit line increase for 6 months. They also charged me a XXXX fee. When I called the customer service line and indicated that I made my payment through the application she just continued over and over to ask if I wanted to make the payment. I indicated to her that I had ACH and wanted to understand why they did n't draft and that all my accounts were on ACH and that I pay much more than the minimum monthly ( Just paid XXXX on another capital one card last week ). She continued to just ask me if I wanted to make a payment and that they could n't retrieve my funds ... I continued over and over to ask " WHY '' you could n't retrieve my funds. There was more than enough for the minimum payment to draft from my financial institution. Again she said that she did n't know and if I wanted to make a payment. Clearly I was becoming frustrated so I asked for a supervisor. She transferred me to a phone line that indicated they were closed ( Calling Monday XXXX XXXX 2015 @ XXXX XXXX EST ). The rep just xfered me over and the line states to call back after XXXX Est when they are open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please refer to reference number XXXX. To date I have received nothing in the way of a refund from XXXX XXXX XXXX. After due consideration it occurs to me that Capital One Bank is complicit in the failure of my attempts to get my money refunded. It has now been over a year that I am out the money. I contracted with XXXX XXXX XXXX. My credit card payment was made to a company that I never heard of : XXXX XXXX XXXX. I had Capital One stop the payment which they did. The following month they played judge and jury and awarded the money again to XXXX XXXX XXXX. XXXX XXXX XXXX never provided me with the documents to dispose of my time share condo, but they told me that they would cancel the contract. Consequently I believe that perhaps it is Capital One Bank that owesme the refund and then they can debit Way to Go Travel themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has me down for 30-59 days late when I made a payment on XX/XX/XXXX! The 30 day late is affecting my credit score tremendously and it is simply wrong! XX/XX/XXXX payments are {$25.00} a month and they waived a {$35.00} late fee that was added to the payment! Since it was waived I still paid the {$60.00} which would have been XXXX payments plus an additional {$10.00}! I know a payment is due each month but to mark me late when I actually paid over the XXXX due is simply bad business! They still as of today have me down as XXXX days past due! Please see my credit report and actual capital one payment information below! I did contact them and they said they are reporting this correctly. I disagree! 
Acount Details Last Reported XX/XX/XXXX Creditor Name CAPITAL ONE Account Type Credit Card Account Status Open Opened Date Apr XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment {$47.00} Responsibility Individual Balance {$320.00} Highest Balance {$460.00} Payment Status 30-59 Days Late Worst Payment Status 30-59 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due {$50.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks -- Payment History Latest Status : 30-59 Days Late XXXX OK OK OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX 30 30-59 Days Late Credit Utilization* XXXX % Creditor Contact Details CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX CAPITAL ONE ONLINE PYMT AuthDate XX/XX/XXXX L Payment ... XXXX - {$60.00} XXXX/XXXX/XXXX CAPITAL ONE ONLINE PYMT A uthDate XX/XX/XXXX L Payment ... XXXX - {$60.00}

Company response to consumer: Closed with explanation