vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAP ONE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAP ONE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAP ONE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am being harassed while at my place of employment by Capital One Auto Finance regarding a late payment. Several fellow employees have received phone calls from XXXX Representative name XXXX continues calling my employer in spite of being instructed not to contact me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
I have been making payments faithfully to my Capital One XXXX credit card via phone and via mail each month. The payments are held or not applied to the account and they even tried to get into a closed bank account that I have not used in several months since moving XXXX. The money is withdrawn from my account XXXX and then they claim I did not make the payment. They are clearly taking my money, and then charging me " late '' fees for payments I 've made ON TIME. I talk to their " customer service '' people who then " reimburse '' the late fee and tell me my account is in good standing. And then? I get a bill with ANOTHER late fee on it and telling me I 'm past due WHEN I AM CLEARLY NOT past due. It 's fraud and it 's harassing and I can not stand it any longer. I 've spent endless hours on this and my time is worth {$40.00} an hour. I want them to cease and desist and leave me alone. I 'm not going to pay them a penny more for the XXXX months XXXX they 've put me through and putting me on hold for endless hours and wasting my time. My time is valuable and I 've got better things to do than fight these rotten companies with terrible business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I got a letter in the mail started that I have an outstanding balance for capital one in the amount of {$3800.00} that I do n't even know about, I currently have an account with capital one at this time in good stand

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
They call me before XXXX threating to send me to jail I do n't pay, its constant, I 've asked them to stop but they wo n't quit calling.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a card with Capital One with the intention of using the card to execute a balance transfer. During the online application process I was asked how much I wanted to transfer and my response was {$10000.00}. Shortly after I was approved for {$3000.00}. 

The next day I called Capital One and spoke to a lady in the applications department. I let her know that if Capital One was unwilling to raise my credit limit, then the card was no use to me. The lady explicitly told me that if I did not activate the card that meant that I had not agreed to the terms of the card and my account would NOT be reported to the credit bureaus. 

After receiving the card in the mail I did NOT activate it. Instead, I called customer service to confirm that if I did not activate the card, nothing would be reported to the credit bureaus. At that point I was informed by XXXX customer service representatives that what the lady had told me was false and that the account, although not activated, would still be reported to the credit bureaus. 

As a result of the false information that was given to me, I will certainly sustain damage to my credit file through a ) a hard inquiry b ) the opening and closing of this account in the same month and c ) a drop in the average age of my accounts, all three of which have a negative impact on my credit. 

Please note I still have not activated the card and have no intention of activating the card unless Capital One is willing to raise my credit limit to {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 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: GA

Complaint narrative:
XXXX XXXX called about " a '' XXXX XXXX, about a Capital One account with the last XXXX digits of the social of XXXX. Never had an account w/o a middle initial, never had a Capital One account, incorrect last XXXX digits of the social

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My auto loan with Capital One Auto Finance was Charged Off effective XXXX XXXX, 2015. This Adverse Action was taken without the creditor providing me any written correspondence of the my auto loan delinquency status. Although, I 've requested that Capital One Auto Finance communicate my auto loan details via postal mail. 

The reason I had to request written communication in lieu of phone contact is due to their aggressive and harassing collection practices. There were several phone interactions that I would have with their representative, after we 've made an agreement for payment at a future date. 

Their representative would call me within a week prior to my promise date ; several times daily, and demand payment in lieu of our payment plan. I 'd inquire if my account was notated with the promise for payment. They would give me inconsistent responses, either our arrangement was notated on my account and/or it was n't on file. 

This miscommunication happened several times, and several times I 'd escalate the call to a Supervisory or Management level. I would explain my discontent with their untimely collection practices for payment prior to our agreed upon promise date for payment. I ultimately requested only written correspondence per my auto loan details. 
Please note that my Charged Off auto loan affects my ability to obtain employment with a prospective employer. An new hire opportunity for myself is contingent upon resolution of the Charged Off loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: MA

Complaint narrative:
Lexis Nexis is combining my personal records with that of a woman in XXXX, AZ who has the same name I do. When an organization requests my file, it now contains the past address and court records of this woman in Arizona. 

As a result, I now fail authentication at my own bank. Online databases and the major credit reporting bureaus have also shown this incorrect information. It appears they are not gathering data based on social security number ( a unique identifier of one person ), but on name and possibly age ( numerous matches possible ). 

This is a financial and logistical nightmare, as I have to contact each one by hand and prove my identity to each company and website. My bank has said this is called " soft theft ''. 

I spoke with Lexis Nexis on XX/XX/2017, and they denied providing the information to my bank ( they do n't know my bank emails/calls regularly with updates about THEIR conversations with Lexis Nexis ). Later in the conversation, the " specialist '' apparently found an AZ address, but stopped short of saying actual words to acknowledge that. The " specialist '' claimed she could n't find any court records. My bank told me the records originated in Arizona 's XXXX District Court ( record provided by Lexis Nexis ). 

Lexis Nexis obviously lies as a part of daily business. This is an organization our financial and legal institutions trust to make judgements about us!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
My Company received an unsolicited offer of a Business credit card from Capital One in XX/XX/XXXX. 
The Company, a " XXXX '' XXXX, of which I am XXXX, applied for the credit card which required the signature of an officer. I signed the application and the account was opened. there were no issues until XX/XX/XXXX. Our office mgr was out on maternity leave and the credit card bill was not paid on time. The issue was rectified when she returned to work. At the end of XX/XX/XXXX, I received my personal free annual credit report and was shocked to learn that the late payment was reporting on my personal account. I filed disputes with all XXXX agencies and wrote XXXX letters to Capital One without relief. The account is still reporting on my personal credit. This is ridiculous. The card was clearly marketed as a " business credit account ''. I did not knowingly accept any responsibility for the account management although as a stockholder, I am sure I would have SHARED responsibility in cases of default. The account has never been used for personal purchases by ANYONE. It is, in fact, fraudulent for it to report on my personal report ( good or bad ) because it has no bearing on my ability or willingness to pay my own debts. It seems like a simple matter but so far, Capitol One has been unwilling to discuss the situation ( all I get back is form letters ) and the credit agencies say their hands are tied. We could close the account-it has been unused ever since this situation came to light but that will not remove the negative from my report. please advise me how to proceed in a situation like this. To my fellow consumers, BEWARE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had two Capital One Credit Cards and I had some financial difficult and could no longer make monthly payments. On XXXX XXXX, I mailed Capital One a settlement agreement for both accounts to try to settle the debt and have it paid off It is now XXXX XXXX and I have not received a response from Capital One with either a yes or a counter to my offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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: OH

Complaint narrative:
XXXX agreed to remove the debt and I sent the check they cashed which stated in the memo that the debt was settled and would be removed. Before then I also contacted them stating that the date of delinquency from the credit card company was to be used according to the FCRA. They continue to use the date they received the account and continue to state that I owe the debt even thought they cashed the check. They did not try and contact me about the debt for six months until I disputed it on my credit file. I received a letter from XXXX stating the debt was too old to file a claim in civil court amd thus they would not be perusing. I also had to explain and notified them in writing that all communication would be written that no more calls would be accepted and would be considered harassment. In settling the debt they refused to send out the settlement agreement until I paid the portion we agreed. In a similiar situation this had happened and they tried collecting after we settled and refused to remove the debt. This time I put it on the check and refused to have them do an electronic check since last time they did not remove the debt and stated I had no proof of such.I also expressed that they had the wrong dates for the account and were not following the FCRA on the date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
After sending dispute letter in XX/XX/XXXX via certified mail to Experian regarding incorrect accounts and requesting validation I received a printout that stated they were verified. I requested a reinvestigation containing method of validation and account history including original signature in XX/XX/XXXX and still have not heard back. I tried to access my free credit report and Experian kept showing their website as having tech problems but when my prospective property manager requested access that I had to pay for then all of a sudden my report and score were quickly available. Upon reviewing the report I paid for and sent to property manager I see that every account that I requested reinvestigation was exactly the same as first request. There was no reinvestigation and I received no further information and Experian made it very difficult to get access to my credit report.

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
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Client filed bankruptcy in XXXX. A Home Equity Line of Credit was sold from ING to Capital One 360 after the bankruptcy. Since that time, the borrowers reinstated the loan with MAP funds through the NYS AG 's office and XXXX. It was confirmed via email on XXXX/XXXX/XXXX via ( attached email ) with XXXX XXXX at the XXXX that the payment after reinstatement would be $ XXXX/per month. In a conversation on XXXX/XXXX/XXXX, after reinstatement funds were sent to Capital One 360, it was confirmed that the loan was current, but the payment would be {$160.00} each month, contrary to what we were told prior to reinstatement. On XXXX/XXXX/XXXX, the borrower contacted Capital One 360 to simply request a mortgage statement each month showing payments made and principal reducing with payments, as the borrowers have not received consistent statements since the transfer. The representative first said that the loan was still in Foreclosure and not current, but rescinded that comment. They also stated that, because of the bankruptcy, they can not " guarantee '' monthly statements will be sent to the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Byrider Franchising, LLC
State: WV

Complaint narrative:
I needed to buy a car and went to JD Byrider in XXXX WV. They say they do not do a credit check and they do not base their decision on my credit but they did. I checked my credit report and they did an inquiry on my credit. The sign out front said no credit check. I did not get a loan through them but they are false advertising I feel.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX I deposited a XXXX $ check through the ATM. On XXXX XXXX my bank froze my accounts. Claiming they were just trying to verify the funds on the check. I asked why my accounts were frozen. They couldnt speak to that matter. Claiming they shouldnt of been they were just trying to verify the check and they cant unfreeze my account. I called later that afternoon and spoke to the fraud dept once again. This time the representitave said that my account was frozen due to supsicious activity on my end. I then revieved a phone call from the branch claiming thats not true and that it is due the check and verification of funds.On XXXX XXXX my acct was still frozen and noone has any answers for me. Except the individual who wrote me the check. He supplied a photograph showing the check cleared and everything ok on his end. As of tues XXXX XXXX. My bank will not unfreeze my account. And noone has a answer and will not tell me anything. Especially since I have showed proof of the check being cleared. I have had deposits get rejected in light of this. and it has put me behind in rent and my business in jeopardy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Upon searching whether this company is licensed to collect a debt in Louisiana and they are not. They are listing XXXX collections on my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a CapitalOne XXXX Credit Card. I have had the credit card account for 11 years. I have never been late on the account and payoff the balance each months. I use the account frequently because of the cash back feature. I recently requested a credit line increase and was notified that the request was denied based on " Your financial obligations reported to us by the credit reporting agency are too high ''. I contacted CapitalOne at their customer service number and the agent told me that she could not provided any additional information on the denial. I asked her who could and she said she could transfer me to a supervisor which I requested she do. She transferred the call to XXXX XXXX ID # XXXX. I spoke to XXXX and he told me that the decision was based on the credit bureau and could not provide me with any additional information. I asked to talk to someone who could provide additional information and he informed me that he was as high as I could go as far as speaking with someone. I asked to speak to someone in their compliance/complaint department and he said that was not possible. He said he would make notes of our conversation and they would be reviewed. He reiterated that the decision was based on the credit bureau. Having credit underwriting experience, I told him that the decision is made by the credit grantor and all the credit bureau did was report a personal credit history and outstanding debt. I said I wanted to talk to someone and have the opportunity to provide detailed income and asset information. He said that was not possible unless CapitalOne requested it from me. I feel that I 'm being discriminated for a credit line increase because I pay my account in full each month and CapitalOne has never made any interest income from me. In addition they have paid several hundred dollars in cash back rebates to me over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a Department Store Credit Card. 
The " due date '' on my card is the XXXX of the month. 
I missed my payment by 4 days and made an in-store payment ( more than the Minimum amount ) on XX/XX/XXXX, 4 days late. 
The statement closed on XX/XX/XXXX, 2 days later. 
On my statement, I was charge a {$25.00} late fee and a 0.12 " interest '' penalty on the late fee. 
I then proceeded to pay my Balance " in full '' and a portion of the Late Fee. 
But, I was still charged an interest on the Late Fee. 
I requested a courtesy Refund of the Late Fee plus interest. They agreed to it. 
However, why is there no regulation preventing a Bank from charging interest on a Fee " during '' the month that the Fee is incurred, before the consumer is even aware of it? When I asked the Credit Manager why do they do it? He just said, because there is no regulation that says they ca n't. That just does n't seem fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
Received XXXX statement with annual fee assessed on XX/XX/XXXX. Called Capitol One 's operator XX/XX/XXXX upon bill receipt, since I have not used this card in almost two years I determined I did n't need it. Not a problem we will cancel the card. Followed up my telecom with a letter mailed XX/XX/XXXX. Yesterday I received a XXXX statement showing the previous annual fee charge with additional late fees etc. Called today, XX/XX/XXXX and the operator said since I did n't pay the annual fee for the coming year I was assessed the late fees regardless of the fact I cancelled the card and the original operator told me since I was cancelling the card there was no annual fee due.

Company response to consumer: Closed with monetary relief