vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am an authorized user on my ex-husband 's XXXX credit cards, XXXX with XXXX and XXXX with Capital One. He has called each of these companies and asked that they remove me as an authorized user multiple times since XXXX, each time they assured him that I would be removed. I refinanced my truck in XXXX XXXX and they told me his accounts were still showing on my credit report. My credit score was XXXX at that time. I never applied for any credit after that, but I pulled my free annual credit report in XXXX and saw that his accounts were still on my credit report. He called the companies again, and was assured that I 'd been removed. In XXXX XXXX I applied for a mortgage loan and discovered that his accounts were still on my credit report, and by then my credit score had dropped from a XXXX to a XXXX. He called the companies again, and was assured that I 'd been removed. Now I just re-applied for a mortgage loan and discovered that his cards are still on my credit report, showing me as an authorized user, and because my ex-husband has gone over the credit limit on XXXX of the cards and has a past due payment on XXXX of them, and has over 30 days delinquency on the other card, all of those factors have negatively impacted my credit score significantly. My credit score has gone down from XXXX in XXXX XXXX to now a XXXX in XXXX XXXX. I do not have any negative items on any of my accounts that I have ever had in my life, or on any of my current accounts. I have never had a late payment, over credit limit, nothing negative whatsoever, my credit was impeccable. And now, because these companies have repeatedly ignored our requests to remove me from his cards as an authorized user, my credit score has dropped significantly and now I ca n't get a home loan. I want XXXX and Capital One to remove me as an authorized user immediately and I want them to restore my credit score back to where it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Hi I ca n't seen to get capital one cards at all I been trying for last 5 yrs..nothing yet. I had a business account I had young lady that work for me my husband we XXXX XXXX. ..she work for over several yrs until they caught her she now in pent..serving time for inden. Theft. So she took both of our names my late husband and I scratching all over usa. Now they wo n't even considering me for new card I told them I would b will to put up half deposit for one. But the keep telling me please help me I did n't do anything wrong. Am getting blame for it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had an auto loan with Capital One which I paid off early. My husband mistakenly overpaid the loan amount and we are due a refund. Capital One has refused to discuss with us the dates and amounts they have received. We have been told that no overpayments were collected. We know from our bank statement that overpayments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one credit card used for 2 weeks, restricted for more than a year ago and asking to pay membership fee, I paid the membership when the card opened and did not get the money back, not even can close the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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: TX

Complaint narrative:
My home phone number is XXXX. My name is XXXX. CCS, a debt collector, their phone number is XXXX keeps calling on a debt to a person by the name of XXXX all hours of the morning and evening. Most recent call to us were made at XXXX and XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX and XXXX XX/XX/XXXX. I have continually told them I am not this person and have no relationship to this person. They say I will not be called again and they continue to call, this has gone on for months. The last time they said that this number was removed from their system in 2013 and they have no record of the auto calls. My name is XXXX and I can not get them to stop harassing me for a debt that is not ours. These are the most recent calls from my caller ID, even though there have been substantially more.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: LEXISNEXIS
State: IL

Complaint narrative:
LEXISNEXIS FAIL TO FURNISH CREDIT PROFILE, AND IS REPORTING FALSE INFORMATION DAMAGING MY CHANCES OF EMPLOYMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Six times since XXXX XXXX, 2016, I have received reports from XXXX that there have been Hard credit inquiries on my credit report that were made without my knowledge or authorization. Each time, I have spent many hours on the telephone with XXXX, Capitol One, XXXX, XXXX, and XXXX. I do not have the energy to fight this any longer. Inquiries that are still on my credit are as follows. 
1. XXXX XXXX, Capitol One Bank USA NA. 
2. XXXX XXXX, Capitol One NA. 
3. XXXX XXXX, Capitol One. 
4. XXXX XXXX, Capitol One. 
5. XXXX XXXX, CBNA. 
6. XXXX XXXX, CBNA. 
There has also been an attempt to open a checking account in my name and with my SSN at XXXX XXXX XXXX a few months back. 
Please help me remove these inquiries from my report with the XXXX credit reporting agencies. None of the XXXX agencies seem to care that these bogus inquiries remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
The manager gave us a letter saying that he would not do a walk through of the apartment required by law because of complaints filed with HUD. 
Then he sent us an illegal bill charging us for new paint, carpets, tile without including the receipts ( also against the law ) Now he hired these illegal lawyers to try to collect. I have filed a small claim case against them but had it delayed because of health problems. 
I demand that XXXX return our security deposit or I will ask the judge to double the amount!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have a credit card with my ex-wife that is seven years old. I did n't realize it was never taken care of and was never contacted of this debt. Come to find out that the credit card is at a law firm and they increased the balance over {$2000.00} on top of capital one increase for late fees and interest. The credit card started out with a {$3000.00} limit. Now the balance is at XXXX. I 'm willing to take care of the debt but nobody 's willing to contact me back to discuss pay off or payments. Please let me know what to do I ca n't afford a lawyer. and they wo n't talk to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
The bank closed my accounts and charged numerous fees after a bank representative suggested a new account type upon one bank buying another. I was lied to about the minimum balance requirements ( my accounts with the previous bank did not have fees associated with basic banking services ). I recently tried to open a new account at a credit union and was informed I could not because of these outstanding balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had XXXX accounts with Capital one credit card company.I contacted them and requested full payoff balances and on XXXX XXXX 2015 I payed off both accounts in full.I then recieved a XXXX dollar credit from capital one.stating I had over payed on the account.And now I recieve a bill for XXXX when I contacted them they stated they had been a slight mis calculation.Also during the entire time I had the accounts most of the payments made were not credited to the account.Therefor I was paying XXXX the amount owed all of which I have documented proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a balance on my account. I paid it off in full.Twice in one month. I ran my card up XXXX, paid it off. ran it up again XXXX, paid it off. However, I still got interest. Now, the statement says, if paid off before the due date no interest accrued. However, I still received an interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had setup a payment plan in XXXX 2015 to repay back Capital One for a credit card I had. I was told that the balance was over {$1000.00}. XXXX XXXX XXXX started deducting {$35.00} a month from my bank account as agreed. The only thing that bothered me was te amount. My limit with Capital One was {$500.00} so I made a call to Capital one and they too stated the charge off amount was {$500.00}. It states it on all the credit reports as well. I stopped the deductions from my account and requested them to correct the amount to what the real amount was and not the inflated amount that they were trying to have me pay and they stated if I do n't pay the amount that they set up then they would sue me and get a judgment and I would owe XXXX times the amount. You ca n't do this you can only collect hat is owed and no more. They hae taken {$140.00} out of my account which leaves the owed balance to {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am being charged for something I did n't get/make. I did not authorize anyone to make this charge from XXXX and I did not make it myself. I will not pay for this charge!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I began making payments on a Capital One/Yamaha Account. I made my first payment in XXXX XXXX, 2015. Unbeknownst to me, my due date for this account was the XXXX of each month. My XXXX XXXX Bill Pay was sending the checks on the XXXX, but they were not received until the XXXX or XXXX. I have just realized that Capital One has been charging me {$35.00} a month for the past 24 months at the tune of {$840.00} + interest. I feel like I have been taken advantage of. They will not forgive these late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
A vehicle that I co-sgined for was repossed around XX/XX/XXXX, and when I found out I contacted Capital One Auto to find out what I needed to do regarding the matter. I was contacted once by Captial One in XX/XX/XXXX to tell me that they were making arrangements to obtain the vehicle and that I would be able to receive additional information once they obtained possession of the vehicle. I never received any more information regarding this matter until I received a letter from a XXXX collections Agency in XX/XX/XXXX stating that I owed them {$8000.00}. I immediately contacted them because I was not even aware that the vehicle was sold, so I sent them a letter asking for an explanation of how they came up with this amount because I was not informed that the vehicle was sold, how much it was sold for or the date and time of when it was sold. I have not heard from XXXX since that time. I filed a complaint through XXXX XXXX XX/XX/XXXX because of the negative inquiry on my Equifax report and was told that Equifax and Capital One Auto would contact me to do a conference call. On XX/XX/XXXX I received a call from XXXX of XXXX and XXXX XXXX of Capital One Auto. XXXX XXXX told me that Capital One did not have to notify me of a private sale of the vehicle. I asked about the law that states that a consumer is to be notified in writing about the date, time and location of a sale to afford the consumer to either buy back the vehicle or in my case, have someone else purchase the vehilce. She again stated that for private sales, this is not the case and that there is nothing that I can so. XXXX of XXXX, did not ask any questions so I was confused why we had a conference call set-up. I again asked so the laws regarding this does not pertain to Capital One and she said that is correct. I am reaching out to see if there is any other avenues that I can pursue because I thought state and federal laws were binding but and being told that they are not. 

Thank you kindly for any advice that you may be able to provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
capital one has went back to court and got another judgement ... this is the second time ... this is not right ... XXXX was about to come off my credit report, and then they done it again ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The creditor is capital one. They are reporting that I owe {$150.00}. I settled the balance in XX/XX/XXXX. They reported it as unpaid in XX/XX/XXXX. They are refusing to update the credit bureau. I called capital one numerous times and they will not correct the records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a Capital One Venture Credit Card several weeks ago. On XXXX XXXX, 2016 they sent me an e-mail, which I did not receive/see until a few days later. In their letter they stated " Based on your application information, despite our attempt to reach you, we have been unable to resolve a consumer alert you placed for access to your credit bureau report. '' I did place an alert because my credit card was compromised. 

They also stated in their report that my XXXX XXXX credit score was XXXX, dated XXXX/XXXX/2016. Just below that they wrote, " Key factors that adversely affected your credit score : Serious delinquency ; too many accounts with balances ; proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high '' This is absolutely false. I do not appreciate getting a letter accusing me of false activity with my credit. A letter stating the facts would have been acceptable and I could have proceeded from there. I can not, however, accept the fact they are sending me a form/custom letter with false information. 

Nobody ever tried to reach me, other than this email that I was n't notified that I would receive. The key factors that you say adversely affected my credit score of XXXX are in absolutely false. I have XXXX credit cards. XXXX is paid off monthly. The other has a small balance, less than {$1000.00} out of a credit limit of {$7500.00}. 

I was denied a credit card by Capital One Venture Card after they nicked my credit twice because they said, via telephone, that the credit reporting bureaus did not have my telephone number. When speaking with them they were unable to take my phone numbers verbally from me. I will look into this. There was no need to check my credit TWICE!! I do not feel they had any right to do this. Once to verify my credit and the second was unnecessary and I want it removed from my credit report because all it will do is hurt my credit report. 

It appears that Capital One Venture Card sent me a form letter of denial stating the above false information. I want the denial of credit by Capital One Venture Card to be removed from any credit reporting bureau because of their false accusations. I DO want a letter from Capital One Venture Card stating the reason I was denied, because as they told me they were unable to get my phone number from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Debt was included in CH XXXX BK. They have called me 6-7 times these past few months trying to collect this debt. This is very illegal. I have phone documents to prove this. They deserve to be fined, and Deserve a settlement. 

I have phone records showing the incoming calls from them. THIS IS HARASSMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I would like to know, where and who do I need to get in contact with to try and settle a charge off on my account. The Credit card company is telling me its the collection agency and the collection agency is telling me the credit card company that can update and remove the negative report when it 's paid.. 
Please help me with who and where I need to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one 360 shut down my savings account and credit card accounts without giving me a reason. I had alot of points on my credit card that I had not used, they even ran my credit which now shows on my credit report. They are not giving me a reason as to why they have closed all my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 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: MN

Complaint narrative:
Their representative keep contacting me at work and when I requested for a proof of debt they insisted they will send it but have n't. 

Additionally, when I told them I paid it off with XXXX they insisted I should go online and pay. They never provided me with a log in to their website or how I should access their website. This is n't a trust worthy collector and seems shady. 

XXXX keep saying they 've sent to a third party.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX Capital One Bank informed me that they were no longer awarding mileage on their checking or savings accounts and I could transfer any exisitng mileage awards to my credit card. I subsequently transfered my balance of approximately XXXX miles to the credit card.I was credit with interest income by Capital One Bank in the amount of {$1100.00} for which I have to pay income tax on yet when I checked the cash value of miles on the Capital One credit Card, it was only {$860.00}. I should have a like amount of value on both accounts.Either the dollar value of rthe transfer ( interest incom ) on the bank account should b reduced or the dollar value on the credit side be increased.

Company response to consumer: Closed with explanation