vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, CA - XXXX XXXX/XXXX/XXXX Capital One XXXX XXXX XXXX, XXXX, VA XXXX RE : CFPB CASE # XXXX - Respond not a Fair Enough Capital One Account # XXXX Dear Capital One, I am not happy your response which I received and I feel like your bank treated me very unprofessionally and I feel like always discrimination. 
Your Bank approved XXXX/XXXX/XXXX removed XXXX late payment all major credit agencies .I have a evidence response from XXXX . ( I attached hard copy your reference ) Response ( XXXX CFPB Case number : XXXX ) We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX/XXXX/XXXX, we initiated an investigation with Capital One # XXXXand they removed the late payment reporting XXXX. However, we received another request on XXXX/XXXX/XXXX to investigate Capital One # XXXX. In response, they re-added the late payment for XXXX. After reviewing the activity on your file, along with the information in our data base, we have removed the late payment reporting XXXX and taken precautionary measure to prevent the late payment from reporting in the future. You may wish to contact Capital One directly to ensure the account is reporting accurately in their database. 

On XXXX XXXX XXXX Completely deleted on my credit file. 
After seen my XXXX report still remains late payments XX/XX/XXXX.on XXXX XXXX XXXX I requested to removed that late payment XXXX via CFPB ( case # XXXX ) .your bank response was they accurate information reported. ( Response attached ) So after that your bank reported to re -added on XXXX my credit file on XXXX can clearly understood your bank treated me very different way and this is discrimination. 
XXXX already deleted and in future no more late payment on XXXX. So why your bank not help me out to delete XXXX late payment XXXX Please consider all facts and due to maintain good XXXX accounts capital one ( Last XXXX # XXXX / XXXX ) Please removed XXXX late payment XXXX account number ending XXXX. 

Really Appreciated Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received a Capital One Platinum Mastercard in the mail with all the usual verbiage about privacy terms of use, etc. on XXXX XXXX, 2016. I have never requested a card from Capital One and do not want this one. A day later, on XXXX XXXX, I received a badly printed letter advising me that a fraudulent account was opened in my name and that I needed to call and verify if it was me because I might be a victim of identity theft. This letter contained the last XXXX digits of the card number and my name, which was misspelled. Upon receiving the letter, I did a search on the phone number listed and discovered that it was a common scam. I have not activated the card but I am concerned someone is trying to use my personal information to open accounts in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had dinner with a friend of mine several weeks back. He told me about the XXXX XXXX XXXX account with Capital One. I went to their site and applied online for a XXXX XXXX XXXX account sometime on or about XXXX XXXX, 2016. I am starting my management consulting business. 

It is now XXXX XXXX, 2016, and while I have online access to the account, I have yet to receive any documents to actually be able to move money into or draw from the account. I 've spoken with several people at Capital One, and each time, I am told to wait " 1 or 2 business days '' for a response. I have yet to receive anything. 

The last time I called I spoke with a Capital One associate named XXXX and she told me that there was a restriction on my account. I asked her why, and her response was that it was a " one off. '' It is my contention that the restriction they currently have on this account is exceptional and outside of Capital One 's own protocol and policies. 

I would like the CFPB to look into this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XXXX XXXX, 2015, I received emails stating my contact information had been changed on my CapitalOne credit card account and that there was a request for a new card. The email stated " if you did not make these changes, please call ... '' When I called I told them I had not made the changes to my account. I logged into my account and there was a phone number, email address and mailing address that was not mine. We had not used the credit card in over a year. I told the representative I wanted the account immediately closed. Over the next hour I talked to at least XXXX or XXXX people, I was disconnected XXXX times. At the end of the night XXXX assured me the account had been closed and the " new card '' would not be sent. On XXXX XXXX, 2015, I received an email that stated " your new card has been shipped via XXXX XXXX. '' I punched in the tracking number and of course CapitalOne sent it to the person who hacked my account. I called CapitalOne and asked for " fraud ''. After speaking with the XXXX representative I discovered I was n't connected to the fraud department. I have no idea why they did n't get the telephone transfer correct. I was then connected to the fraud department - lower level person then supervisor. By the end of the conversation the representative told me the new card that was sent out had not been cancelled. He then claimed he cancelled the card. He was " pretty sure '' no one would be able to activate the new card. However, he ( along with XXXX the night before ) was not authorized to send me an email confirming they had closed the account. I would need to wait 7 - 10 days for a letter. I have absolutely no faith that CaptialOne protects the personal information of their cardholders. This should have been a simple task and it ended up being a waste of XXXX XXXX hours of my time and a lot of frustration. If this card is activated, CapitalOne will be responsible for all of the charges. CapitalOne needs to look at the quality of their employees and how they are trained.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Outsource Group, Inc.
State: GA

Complaint narrative:
Received XXXX calls in succession from Delta Outsource Group on my personal cell number, and my office number, I informed the caller to remove XXXX numbers form their call list and to submit all requests to me in writing on XXXX. 

The calls have continued on a daily basis, I have reminded the caller not to dial my numbers. 

on XXXX Delta Outsource Group began ringing both lines simultaneously. I finally blocked their number ) on my cell number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Capital One has charged me over {$90.00} in late fees. I 've contacted them multiple times to resolve the matter and have been reassured by team members hat the issue is resolved yet they continue to charge late fees to the account. This account has been closed out for several months at this point and I 'd really like to have this matter resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I inadvertently applied a payment to my daughter 's Kohl 's account instead of my own. The minute I found out about it ( when I got my daughter 's bill showing a credit ), I contacted them. I asked if they could transfer the money and they said they would take care of it. Had they told me what a headache it was going to be I would have just double paid, but I believed them when they said it would be done. When I got my next bill reflecting the money had not transferred, I contacted them again. Again they promised it would be resolved and I would not be reported as being late on my credit report. Multiple times I was contacted by them and I contacted them as well, to resolve this matter and repeatedly was told it would be resolved and my credit history would be restored. I called on XX/XX/XXXX and determined everything had been resolved and asked that they let me know when I could expect them to get my credit rating fixed ( my son, who is on the account with me, gets his credit score free every month from a different credit card he holds and the score had dropped XXXX points ). They said they would look into it and get back to me. I called again the following day only to be told that it was my fault and the credit would stand. I was then told to send a letter, which I immediately did ( attached ). I got their response on Saturday telling me that they would n't fix it ( also attached ). 
I take phenomenal care of my credit rating and have NEVER, EVER, been late on a bill. If they had just told me to start with, again I would 've just double paid it. During this entire time I kept my daughter 's credit card paid in full ( as if the money I did overpay was never there ) to avoid interest on her account. During all this Kohl 's credited me the late fees and interest fees, but somehow still feel it 's my fault they could n't fix it. I want my ( and my son 's ) credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently accepted an offer for the GM " XXXX '' rewards card. I created an online account and enabled online billing statements as I do with all of my cards. Shortly after doing this, CapitalOne started listing the online portal as " Website Maintenance in Progress ''. I have tried to access the portal on numerous occasions over the past month but the portal has been " Website Maintenance in Progress '' every time I have attempted to access it. Given the maintenance, I can not log in to my online account to make payments, or more importantly, receive my billing statement. I was forced to make a phone payment on this account without being able to review my statement for accuracy. 

I contacted CapitalOne on several occasions via social media and email but I never heard back from them. This has been ongoing for well over a month and it is unacceptable.

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

Complaint narrative:
I WAS DECLINED FOR A CREDIT LIMIT INCREASE BASED ON " THERE WAS A RECENT CHANGE TO YOUR ACCOUNT ''. THIS RATIONALE IS BEING DISPUTED BECAUSE I RECEIVED AN " ACTUAL '' CREDIT LIMIT INCREASE APPROXIMATELY XXXX 2015. ON XXXX XXXX, 2015 I WAS APPROVED FOR AN ACCOUNT COMBINATION, IN WHICH, I CLOSED XXXX OTHER ACTIVE CAPITAL ONE ACCOUNTS ( # XXXX, # XXXX, # XXXX ) AND TRANSFERED THE INDIVIDUAL CREDIT LIMITS TO MY CAPITAL ONE CARD ENDING IN ( # XXXX ). THE COMBINATION OF MY ACCOUNTS RESULTED IN AN INCREASE TO MY CREDIT LIMIT, BUT IT WAS BASED ON ESTABLISHED AVAILABLE CREDIT FROM ALL OTHER CARDS, NOT AN INCREASE GRANTED BY A STANDARD CREDIT LIMIT INCREASE REQUEST. I MAY BE CONSIDERED FOR AN INCREASE NO MORE THAN TWICE A YEAR ( SIX MONTHS ) ACCORDING TO CAPITAL ONE TERMS & CONDITIONS. I RECEIVED AN ACTUAL INCREASE IN XXXX, THUS I SHOULD QUALIFY FOR A POSSIBLE LIMIT INCREASE UPON XXXX REQUEST, WHICH IS MORE THAN SIX MONTHS TIME FRAME. CAPITAL ONE IS CONSIDERING A CHANGE TO MY EXISTING ACCOUNT WHICH RESULTED FROM AN APPROVED ACCOUNT COMBINATION, NOT A STANDARD REQUEST. I CONTACTED A CAPITAL ONE REPRESENTATIVE PRIOR TO APPLYING FOR AN ONLINE CREDIT LIMIT INCREASE TO VERIFY LAST OFFICIAL INCREASE DATE, WHICH SHE STATED WAS IN XXXX, THUS I WAS WITHIN TIME FRAME FOR CONSIDERATION. TAKING INTO ACCOUNT THE XXXX APPROVAL FOR AN ACCOUNT COMBINATION EXPLAINS WHY I RECEIVED A DENIAL REASON OF " A RECENT CHANGE TO YOUR ACCOUNT '' ; IT 'S NOT WITHIN SIX MONTHS. CAPITAL ONE IS DEMONSTRATING UNFAIR ACCOUNT REVIEW PRACTICES BY CONSIDERING ACCOUNT COMBINATIONS, WHICH IS OFFERED AS A BENEFIT AND MEANS OF CONSOLIDATING SEVERAL ACCOUNTS INTO XXXX. CAPITAL ONE DID NOT PROVIDE ANY DISCLOSURE STATING THAT UPON COMBINING MY ACCOUNT, THE ACTION WOULD BE TAKEN INTO CONSIDERATION DURING CREDIT LIMIT INCREASE REVIEWS. I WOULD HAVE NOT OPTED FOR THIS COURSE OF ACTION IF I WAS MADE AWARE THAT IT WOULD REPRESENT " A RECENT CHANGE TO ACCOUNT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX2017 I, XXXX XXXX XXXX opened a CAPITAL ONE, Essential checking account. This account was opened while in XXXX XXXX, NY. 
* I have several individuals who owe money top me in the form of rent or borrowed money. The bank froze my account and i do not have the ability to or direct access to my funds. 

I spoke to their investigator and they said they suspected FRAUD and that the money orders were suspicious. 
All the money orders have been verified and the release of my funds has not occurred. 

Because i set up automatic draft with XXXX of my Vendors, I could only do a draft to the company which is slower that actually pulling the m, only from my debit card or getting a cashiers ' check. 

To Date the account was over {$5000.00} in deposits and that is a FELONY according to the IRS in regards to them MONEY LAUNDERING and WITHHOLDING my funds. 

I told the operator i would file a complaint, which I am doing now and if not resolved within 10 business days. I am Under DURESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Credit Card services closed my long running credit card account with no warning and for no reason. At the time of account closure, I have {$310.00} in unredeemed and pending rewards and Capital One refused to issue my remaining awards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My mother got sick and all my money I gave to the hospital for her treatment and now I 'm back up on my rent

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Over 14 years ago my wife XXXX XXXX XXXX applied for a Capital One Credit Card. She was granted a {$6000.00} credit limit and when the card arrived there was an offer for an authorized user to have a card as well. We sent in for one for me and I received it a couple of weeks later. For all this time I have not been able to speak to any one about this account without my wife 's approval and it does not show up on my Capital One on line account. I recently discovered that Capital One is reporting this as a joint account. I called in and their records indicate this is a joint account. I asked for my name to be removed as I believe it is wrong to report an authorized user as a co-applicant. ( I have another account that I applied for that is just the opposite, I am the applicant and she is an authorized user that is being reported incorrectly, but I 'll get through this one first ). The only way they will not remove my name. The only way to get it corrected is to close the account and pay it off. This is unfair to XXXX who received the credit on her own and there has never been a missed payment. Also I am stuck in a debt I did not apply for. I believe their records have been modified over the years and are incorrect. I would ask for proof that I was a co-applicant and if they can not demonstrate this I want my name removed and the account to remain open.

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: SC

Complaint narrative:
I received information to open credit with a person name using my address. I have already complained to this company. There is no one hear by the name XXXX XXXX XXXX. I lived hear with XXXX other person for 3.5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I need your help! CapitalOne seems to side with the merchant dentist XXXX XXXX XXXX XXXX, XXXX, VA, who took my money {$3500.00} total in XXXX separate payments of {$1700.00} XXXX and still did not call me to deliver the dentures after he took or have the money from CapitalOne siding with him and gave him the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is a debt collection agency principally located in XXXX, VA, however, in a response to my request dated XXXX XXXX, 2016, for them to remove their collection account from my credit report as it counts as twice for the same debt in violation of the FCRA, they refused to remove their information and misrepresented themselves as a " creditor '' in violation of FDCPA Section 807 ( 11 ). This statute provides that debt collectors are liable for statutory damages of up to {$1000.00} if they are in violation of this section regardless of intent. After my most recent response to remove this collection account a month ago XXXX prior to XXXX XXXX, 2016, they have failed to respond in the least and continue to remain on my credit reports. 

Further, Original Creditor charged off {$810.00} and XXXX XXXX is attempting to collect at least {$980.00}, a {$170.00} difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 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: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
I quit my health club, XXXX, in XXXX, CA around XX/XX/XXXX after a phone call from their accountant telling me I had not renewed on time. They were very unpleasant about it and I had to hang up to end the call. The woman claimed I owed them since XXXX XXXX. I had last paid for a {$100.00} extra XXXX XXXX class in XXXX XXXX that I had not use due to injury. Nobody had ever told me I was due for another payment. I thought I was about up for renewal and was going to negotiate with them about the unused XXXX classes. 

No bill was ever submitted to me for any amount. 

I began receiving calls from Seas & Associates shortly after. I explained and the way they talked it seemed they were aware there had never been a bill submitted. The rep acted like she was trying to trap me into saying I owed something. I hung up. 

Seas & Associates has robocalled me since several times a week. I blocked them, but get the robo-call voice mails. I now received a letter with a bill for {$390.00}. The letter says that failure to respond within 30 days of their date, XXXX XXXX, XXXX, will mean that I acknowledge the bill to be legitimate. 

There never was a bill presented to me by XXXX. There is no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I paid off my Captital One Auto Finance loan early and they submitted to the credit bureaus " account closed '' instead of " paid in full ''. Subsequently my credit scores went down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I applied for a Capital 1 card in XXXX of 2014. Received XXXX invoicewhich I paid on time every time. Did n't receive an invoice, calledthem & found out my account had been hacked. They gave my cardand info to someone else. {$1300.00} worth of charges. They didcredit me, yet the Fraud Dept was horrible ... ... .this dept needs fixed. 
Man was rude and never called back. I called over XXXX times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I missed a month 's payment and then another. I have spoken with them several times about making my payments. After I have made a payment they continue to call and harass me about when I will make the next payment. They call sometimes twice in a given day. The last message they left was very aggressive. I made a payment XXXX XXXX, 2016 ( XXXX ). I made another payment XXXX XXXX, 2016. I intend to make another payment XXXX XXXX, 2016. I do not wish to be harassed by Capital One when I am doing my best to become current with them.

Company response to consumer: Closed with explanation