vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a credit card with Capitol One. I was going through a divorce and separated bank accounts and updated the bank information for automated payments to all accounts. For Capitol One I added my account information and set up the automatic payments in XXXX but something happened with their website and it did not accept my automatic payments successfully which I was unaware. Since I am used to everything coming out automatically I am not used to checking to make sure all payments are deducted as I have never had an issue in the past. However, I went to refinance and found out I had a 30 day late on my credit report. I called Capitol One immediately to find out why the payment was n't going through to find out that the bank was showing but not the automatic set up of my payments. I never received a phone call about my payment being late and now I have a 30 day late on my account when you can clearly see that I added my bank account and I have never been late with them and always paid on time. I think that they wo n't remove the 30 day late because I closed my account for this credit card so they do n't care about me as a customer. This is now affecting my credit score by XXXX points when I have always paid them on time other than this unfortunate technical circumstance. They are stating that they ca n't remove it even though they agreed that it is clear that I went and set up the new account. Please help, this is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a checking account with Capital One 360. On XX/XX/2016, I needed to make an ATM withdrawal. I went to the network ATM at the XXXX at the corner of XXXX and XXXX in XXXX XXXX, IL, and there was a sign on the ATM indicating it was out of order. I then went to the network ATM at the XXXX at the corner of XXXX and XXXX in XXXX XXXX, IL, and that ATM was also out of order. I then, needing access to my money and not having any more time to drive all over town, went to the ATM at XXXX XXXX in XXXX XXXX, IL, and used there ATM, and incurred a {$4.00} fee for using a non-network ATM. I called Capital One and was told by a super visor " XXXX '', that they do not care how many ATM 's I have to go to, they do not reimburse fees. XXXX also told me that she does not have a phone number to reach her directly, and that she does not have a boss and is the highest level person I can speak to at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I had a XXXX account that went to collections approximately 4 years ago which was included in a Chapter XXXX Bankruptcy that was subsequently discharged. I had my credit run the other day and noticed the prior collection agency " Sold '' my account to " Convergent Outsourcing ''. This company reported the discharged debt as a " NEW COLLECTION ''. I was NEVER notified regarding the debt either. I happen to have my credit checked and discovered this disturbing reporting. I know that it is illegal for a Collection agency to report to credit bureaus as a " NEW '' debt. I also checked the report at the recent inquiries and their information was NOT there either! 
I am requesting this be completely removed from ALL XXXX of the credit bureaus. This is a violation of my rights and violates the FCRA as well, not to mention this has affected my personal credit in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello just wan na say is unfair that capital One Credit Card Compagny charge me twice for cash advantage fees, first one is {$90.00} which is correct and {$50.00} which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I had a Capital One credit card, ending in XXXX, with an expiration date of XX/XX/XXXX, show up on my credit report as being delinquent due to a purchase at XXXX XXXX on XX/XX/XXXX for around {$25.00}, total due showing as {$89.00} due to late fees and interest charges. 

After seeing this information on my credit report, and that it had dropped by credit score by nearly XXXX points, I contacted Capital One to discuss the matter. I told them that I had not used the card in close to 8 years and that the card had expired on XX/XX/XXXX. They were also able to confirm this. I also had never renewed the card when it expired on XX/XX/XXXX. Certainly the account would have been automatically closed within nearly a 4 year timespan of the card expiring as well. 

Not only did I not make any purchases with the Capital One card for nearly 8 years, on the date of the transaction, I was in the hospital with my with my wife and XXXX daughter who was born at XXXX on XX/XX/XXXX. Capital One advised me that it was an actual credit card swipe on location at a XXXX XXXX store. While I can imagine a credit card purchase being done online using an expired credit card, the expiration date is coded into the magnetic strip which would not process at any modern POS credit card processor. 

I was prompted to look at my credit report due to the fact that I was denied a credit card that I had recently applied for. This never happens as I have an excellent credit score. This is when I noticed that Capital One was reporting this card as delinquent. 

Capital One should never have authorized any transaction on an expired account/credit card. Not only did they allow the transaction to process, but it was done so fraudulently. As a result, they reported inaccurate information to the credit bureaus which has directly affected my ability to obtain credit. 

Capital One did not directly address the issue of why the transaction was allowed to occur, but they did state that they will send me out a fraud application to fill out and I will receive notice of their pending investigation. 

I believe that the fraud application is a moot issue due to the fact that the credit card transaction should not have been allowed to occur in the first place, however, I will fill it out and return it per their instructions. 

The credit card I was denied because of the derogatory remark from Capital One was having a promotion that if you signed up for the card, you would get {$100.00} credit on the issuer 's website. I am seeking {$100.00} in compensation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This complaint arises from a dispute in the way the payments were applied to my Capital One card. My concerns are in reference to Credit Card Accountably Act " Require that payments above the minimum payment be applied to balances with the highest interest rates first '' This is sample of billing statements from my Capital One account Statement XXXX XXXX - XXXX XXXX 2010 Interest charge calculation Balance subject to interest interest charge Purchases 18.90 % {$860.00} {$13.00} Cash 22.90 % {$730.00} {$14.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$830.00} {$12.00} Cash 22.90 % {$720.00} {$12.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$800.00} {$12.00} Cash 22.90 % {$700.00} {$13.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$730.00} {$11.00} Cash 22.90 % {$710.00} {$13.00} During the time frame of these XXXX statements, {$410.00} in payments were made, XXXX purchase of {$62.00} was made and {$220.00} and interest and fees were assessed. 
( I have attached the XXXX statements in reference to this complaint ) It appears that payments above the minimum payment may not have been applied to the highest balance first. Would this not result in the account stated to be incorrect? Could you please look into this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a mortgage loan with Chase on a home with my partner since XX/XX/XXXX. We got married in XX/XX/XXXX but due to FL law we were not recognized until XX/XX/XXXX. In XXXX she filed for Chapter XXXX Bankruptcy and the without my knowledge included the house in the filing. I have been making payments on the loan myself since XX/XX/XXXX. During my mediation I pulled my credit report and realized my Chase Mortgage payments were not being reported. I did more research and found out that my spouce was removed from all financial repsonsibility for this loan. My problem with Chase is that during the entire year from XX/XX/XXXX till present, my statements have not reflected any late payments or any missed payments. I learned that my loan was not paid for 2 months back in XX/XX/XXXX and that I was being reported by Chase Mortgage on the transaction reports that I was late 60 days for 11 months. How is it possible that my credit does not report this, yet now that I am trying to purchase some income property it is being reported by Chase that I am late and therefore, I am being refused a loan for my investment? What rights do I have as a consumer to be notified when my loan is overdue or missed on payments? Every statement I received DID NOT reflect this. I am very upset this has affected my ability to move forward financially and that Chase is providing derogatory information that should not be reported. Chase has assumed no responsibility in their informing me of the late payments being recorded. I need help to clear my name and record up with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I paid my Capital One credit card off and I have a new XXXX but it still shows up on my credit report at least XXXX times

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: SC

Complaint narrative:
A notice of intent to repossess was sent XXXX XXXX, 2016 with date of XXXX XXXX for payment from ( XXXX Byrider- CNAC ) car was a payment behind. The car was taken in the middle of the night XXXX XXXX, 2016 before said date without notice. Owner with the next morning XXXX XXXX, 2016 concerning car, information was given as to want was need to get the car back, the owner complied with the required funds and insurance need. Same day, lender made the owner belief he would get car back, but later came and give a knew requirement after the first was met. Owner had been in dealership all day and at the end of the day told him he would not get the car. The office staff did not communicated with owner properly which cause him great emotional stress ; owner request release of personal property which included his medication and was refused he became very upset and was told to leave the property without his personal property. Day two XXXX XXXX, 2016, owner call office concerning the car telling them he has the additional funds they wanted and was told he will not get the car back, owner has paid over {$4000.00} toward the car. XXXX who is a XXXX time buyer and inexperience in dealing with loan sharks company like ( XXXX ByRider- CNAC ). A request for financial information of payments made and personal property on day two was made and no one informed the owner nor his mother that he need a written notice to get the information and his personal personal items. Owner wanted his mother to pick up personal items because he did not want to go back to the office because of want happen the day before. Personal item was not release. One of the office staff waited until the manager had left and took the paper that was given to mother and destroyed them and refuse to release anything. The customer service and the manner in which this case was handle is not exceptionable. I was told by one of the staff member that XXXX Byrider laws and regulation concerning consumer rights are different then other financial company. It is my understanding that the consumer has certain right also. The owner has missed two days of work because of no transportation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2016, XX/XX/2016, and XX/XX/2016 I filed disputes with Capital One Bank. 
This is the dispute I sent to Capital One Bank. " First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, and Capital One Bank. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to report this purported debt to the CRA, such action will be in violation of the Fair Credit Reporting Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization. Your answers were condescending and I WILL be sure to report this negative response to the OCC, CFPB, and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DID NOT ever had any contractual obligation to pay YOU, at this point as you have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. 

Your compliance with my demand that you remove this item and discontinue collection attempts is anticipated. 

Capital One Bank never responded to my dispute or honored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I would like to dispute the reporting on my credit report for account number XXXX with Capital One in XXXX XXXX XXXX, Utah. I received a statement showing a balance due for an annual fee. I had a zero balance on the prior period statement with all transactions paid in full. I contacted my creditor and informed them that I would rather close the account and requested that they waive the fee on the billing. The person that I was in contact with via the telephone said that the fee would be waived and the account would be closed in granting my requests. I later received statements in the following three months for the fee as well as additional, incurred interest on the outstanding balance. I continued to contact the creditor with the same request every month that I received a statement. They reluctantly granted my request after numerous contacts and issued an email to my address. I no longer have this email because it was sent over 24 months in the past and I also have not received any more statements since the creditor agreed to meet my request. 

I would also like to remove the reporting in regards to account number XXXX. I received a bill in the mail from the collection agency XXXX XXXX located in XXXX, IN. I am not really sure of the address that I gave the provider of the medical visitation. I was living with a significant other at the time of the treatment while transitioning residences. My driver 's license was not up to date at this time as well. I did receive a bill from the collection agency within a few years later. The bill was paid as indicated in the reporting, but because of the derogatory status, I would like for this account that was satisfied in full to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MiraMed Revenue Group LLC
State: IL

Complaint narrative:
Before XXXX I was an uninsured unemployed XXXX in need of emergency medical care so I went to XXXX XXXX ( Indiana ) hospital XXXX. Resultant in a medical bill that is with collection agency named Miramed Revenue Group ( XXXX ) in amount {$910.00}. I would like an opportunity to settle this so it can be removed from my credit, please. This company has many reviews that complain about its lack of Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
It appears that someone in XXXX has used my name and possibly social security number. The claim is stating that I owe XXXX XXXX for utilities not paid. 

I have never lived in XXXX and at the time of the claim I was living in Alabama.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has engaged in false business practices, which constitutes fraud. 
They maintain that their APR is in line with their fellow competitors, but that is simply not the case. Their XXXX credit card rate is much higher than : XXXX, XXXX, and XXXX. 
Therefore I feel they are guilty of deceptive business practices and corporate greed. 
Also, I have been waiting for them to send me their version of a chip credit card, since XXXX of 2015. Why are they so neglectful in taking care of their aforementioned client?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account information is showing incorrect to the credit reporting agencies, it shows a duplicate past due payment that was already listed in XXXX for 30days past due for a XXXX payment. XXXX 30 day was listed on all 3 credit bureaus XXXX, XXXX, XXXX. since then it has showed back on my report like a recent 30 day past due and this is incorrect as i have made a payment in XXXX and now in XXXX, this has already reported and should be showing as currently behind and is not. I am very upset about this matter as is causing issues now to my credit and have also lossed additional points to my credit that since XX/XX/XXXX with the one 30day past payment i got back. Why am i getting hit again? This account was also closed by the grantors request and i am actively making payments to finish this account off in final.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently disputed late reporting on my credit file with Capital One Auto and asked them to address several late reportings. Capital One provided me with statements/proof for some the late disputes. They failed to provide me with Inaccurate late reporting for XX/XX/XXXX and XX/XX/XXXX. I will wait on this information from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My ex-wife opened a credit card in my name with XXXX XXXX without my knowledge. The account went to collections and a judgement was awarded in XXXX County WV XX/XX/XXXX. The account was paid XX/XX/XXXX but a release of the judgement has not been sent to the court. The account was transferred from XXXX to Capitol One Bank before it was paid and I am told Capitol One is responsible for the release. They gave a lawyer a letter stating the debt paid however they have not submitted the proper paperwork to release the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I had several accounts with the financial institution USAA, and recently they closed my checking account. I had no idea why as I was under the impression that I had a {$0.00} balance in that account as I had lost my job and had no income for a couple of months. Come to find out, they reversed a dispute that both they and the merchant agreed was invalid and recharged my account for the amount, overdrafting me and then closed the account as I did not make a deposit in the timeframe they required. At no point did my bank send me any correspondence about the actions they were taking on the account at all. In the meantime my savings account was kept open, so when my direct deposit for my first paycheck went into the account today, they blocked my funds from being used until I pay them the {$25.00} that I owe them. The entire process has been upsetting to say the least, especially due to the lack of clear standards and rules and most importantly ; communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation