vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This complaint is reference to Capital One account. Did not receive any letter or post card on the TCPA class action lawsuit. 
Requesting verification if the following phone calls, ( see attached Capital One calls ) if they would have been included in the past Capital One TCPA lawsuit and if they were why I never received notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Someone stole wallet and was charged back amounts by Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
account taken over and breach of contract, with eLigible baLance kept after cLosing acount, ruLes that no charges on the account in event of IDtheft, but was ignored and impLied my family maybe invoLved? plus gave it to third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This morning when reviewing my XXXX checking account, I noticed XXXX ACH transactions that appear to have been attributed to Capital One that debited my account in the amount of {$100.00} and {$570.00}. As my Autopay had already occurred for my Capital One credit card the day previously, I anticipated there was an issue. 

At XXXX EST I contacted Capital One 's customer service number and entered my account information, Even before I explained my situation I was directed to the Fraud Protection unit. When I inquired as to why I was directed to Fraud even before I explained the issue, the representative indicated that my account was " flagged '' because I changed my email address. I indicated that I did not change my email address and in fact, as I was online viewing my Capital One credit card account, and the email address was accurate. The representative then said " well then It must have been flagged by mistake ''. I found that " odd ''. 
Nonetheless I asked representative to advise if there were any " online payments '' being credited to my credit card account dated XXXX/XXXX/17 that would have occurred " in error '' in the amount of {$100.00} and {$570.00}. I articulated that I have XXXX ACH debit transactions that were appearing on my XXXX checking account that were attributed to " Capital One online payment ''. I offered several times to provide a screen shot or transaction ids. Her response was " well since I ca n't see these transactions on the account I ca n't help you ''. I indicated that I felt she was remiss in her follow up to my concern and I indicated that I was well aware of the electronic funds transfer act and its provisons. I further indicated that while I will in fact call XXXX to start an investigation, I also indicated that I was " deeply disappointed '' that she would not take a fraud report and investigate further as it is rather clear someone is committing fraud using Capital One brand. 

The long and short of this letter is that I do n't think it is " coincidental '' that fraudulent transactions would be coming through my account branded with " Capital One '' if I was not an accountholder, I do n't think they would pick " Capital One ' out of thin air. Further, I also do not find it coincidental that when I called into Capital One customer support I was directed to Fraud even before indicating an issue due to an " email change ''. I just do n't think this representative could be bothered to " connect the dots ''. 

I am submitting this complaint as I am deeply concerned that this situation is not a " one time '' issue and is fact part of a larger data breach that has occurred and I want to ensure this situation is investigated with some degree of rigor. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have been sending {$100.00} to Capital One Bank for several years into my High Yield Money Market account. For some reason, Capital One stopped crediting my Money Market account as of XXXX/XXXX/15 although my Credit Union has continued to send the money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I began shopping for a new automobile in XXXX 2016. I have signed only two applications and it was upon the assurance from the Finance Manager at a XXXX and XXXX dealership that he could get financing for sure. I told them I already had my own financing and that I had a fraud alert in effect due to Identity Theft. I was assured it would be a soft inquiry. Of course I was turned down. I have only been in a dealership building twice but counting all XXXX Credit Bureau 's Hard Inquiry shows almost XXXX total inquiries. 
I understand there is a tern " Shotgunning '' where Automobile Dealerships pass your inquiry or tracking software to see that you have visited their web site and then the next day a salesman calls. 
Of course everyone wants to get the best price and I see nothing wrong with viewing their inventory online. I did not know they had the ability to see who visited their website until I got an angry email from a salesman at a XXXX dealership in XXXX AL who sent me a nasty email about visiting their website over 25 times and to make up my mind. 
I had a friend that formerly worked as a XXXX said all XXXX have sources that they can get Social Security numbers on anyone without consent of the consumer. 
I believe that laws should be passed to require a signature in person or notarized to sign for their Social Security number to be given. That is one of the provisions in the Patriot Act but Automobile Dealers and Mortgage companies. 
Therefore I ask demand that the Hard Inquiry placed on Credit File with XXXX and XXXX be removed within ( 15 ) days or Legal Action will begin. 
There is a section in the FCRA laws that you have reason to sue in ANY COMPETENT COURT OF JURISDICTION for improper Hard Inquiry from any Credit Report Agency. 
I am asking that you voluntarily see that your inquiry or inquiries be removed from the Credit Bureaus, or by acceptance of this Certified Mail, I authorize that I have the right to sue in the XXXX Court. Our Social Security Numbers will be provided on a separate document although you already have it. Thank you. XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a Body Camera from XXXX using my Capital One Visa Card. The camera was supposed to record video and download it to my computer. The camera was able to record but I spent many hours working with XXXX Technical Support and was not able to get the video to download to my computer. I even tried using a second computer, but it would not work either. I returned the camera to XXXX but they would not issue a refund because they said there was nothing wrong with their product/service. They said the camera worked fine with their computer and there must be something wrong with my computer. I did a dispute with Capital One, but they would not return the {$1000.00} because they say XXXX told them the returned camera was damaged. I thought that using my Capital One Credit Card would insure that I would be able to get my money back if the product I bought did not work right and I returned it. Capital One will not return the {$1000.00}. I was never able to get the camera to work and I returned it to XXXX Supervisor XXXX XXXX was the last person I spoke with at Capital One regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Capital One continues to send me credit card offers in spite of my opt out recorded within the XXXX credit bureaus for all marketing offers. I repeatedly called their office to rectify and to this day, still receiving their marketing offers. I have never conducted business with them or its affiliates and presently have fraud alerts on my credit bureaus so not sure why they keep mailing these to my home. I have called in to take my name off of mailings, but they still continue to arrive against my request. This is a clear cut violation of law and completely out of compliance with Regulation P - GLBA Privacy Rule. Please take action to have them cease these communications. Honestly, I would never do business with them since they can not simply record my privacy preferences in an efficient manner, The offer is coming from Capital One, XXXX XXXX XXXX, XXXX, VA XXXX. The product offer states " Venture One Rewards '' expiring on XXXX/XXXX/15. It is labelled " your no hassle application ''. Reservation # XXXX, Access code XXXX. Such actions are annoying, abusive and a real inconvenience to have to continuously take action when several reasonable attempts were made to stop. All I want is for them to remove me from their mailing list and systems. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: OH

Complaint narrative:
I contacted RIA money transfer to complete a funds transfer to my parents in XXXX XXXX on XXXX/XXXX/15. The funds were taken from my account and not deposited to my mother 's XXXX account. I contacted the company on XXXX ( the estimated date of deposit ), no one was able to explain where my funds were or what happened. I kept being transferred to an escalation group, instead kept being transferred to the same automatic system that I called into. I received an email last night requesting more information regarding the matter ( in response to an email I sent prior to my calls ). I responded to same and am yet to receive a response. There was not a lot of money involved. My parents are aging and going through financial struggles due to not being able to find proper employment to take care of my grand mother and sister that live with them. I sent {$150.00} to help during this holiday time, to no avail. Now, neither of us are having a holiday. I work hard for my money. I do n't waste and I pay my bills and taxes. This should not happen to honest hard working people. Please help me recover this money. 
**add on-Please note that this was an international transfer ( from XXXX to XXXX XXXX XXXX. there are sections below that require recipient information ; she is in a different country and has not received any of the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased three items of clothing from Macy 's Department store in XX/XX/XXXX for {$87.00}. My account was set-up with electronic billing. Macys redesigned their website XX/XX/2015 and erased all of their previous electronic billing data. They subsequently never billed me nor did they make any attempt to collect the debt from me, or even contact me regarding the debt. I have subsequently incurred late fees and interest increasing the debt in four months to {$230.00}. I discovered the delinquent debt when applying for a mortgage refinance and discovered my credit score has dropped from over XXXX to XXXX. I have paid the {$230.00} debt, however I feel that Macys has acted in bad faith with regards to the imposition of late fees and charges given that my electronic billing arrangement worked well previous to their deletion of my information. While responsible for the underlying debt, I am unhappy that Macys felt they could delete my account and then charge me heavily for the action. Of more concern is the damage to my credit score. Their action could ultimately cost me thousands of dollars in increased interest due to the damage to my credit score. Prior to this incident, I had never been late on a payment in my entire life.

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 with monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent letters to Capital One Credit services about them not following the law as required under FCRA 623 ( a ) ( 7 ) ( G ) ( i ), they responded by saying that there security agreement address that but that 's not what the laws say. They never sent a notice as required before and after they reported negative information to the CRA 's. I 've spoken with a XXXX XXXX in the Executive Office, XXXX XXXX Id # XXXX, XXXX XXXX Id # XXXX and XXXX and they will not remove the negative information in violation of the FCRA section 623 ( a ) ( 7 ) ( G ) ( i ). I 've been disputing this since XXXX of 2014, the account is closed and paid in full. I will attached an invoice sent to me by them that does n't should the language outlined and required by FCRA section 623 ( a ) ( 7 ) ( G ) ( i ). I 've filed a complaint with the XXXX about this also and they still said that there security agreement addressed the section above but it does n't as you can see in the attachment the section they sent me from there security agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Filed a dispute for a charge. They came back with supposedly sending me the information to dispute and never received it. When I call I get put into endless circles and I end up spending over XXXX minute on the phone to get this resolved. I now have incurred fees and disputing them as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The issue here is that I have been wronged by XXXX along with numerous other establishments and their flagrant misrepresentations. The monies paid to this company were taken under false pretenses. On XXXX XXXX, 2014, upon request I paid {$3600.00} dollars to XXXX ( {$1900.00} ) charged on XXXX XXXX, 2014 & XXXX XXXX ( {$700.00} ) XXXX XXXX, 2014, they claimed that I would receive the following services, please refer to the enclosed letter for a summary of the events that occurred. Which to date, I have not received as described per our contractual agreement, which I have enclosed for your review along with incriminating documentation that they are in fact a scam. Disgusted, does not begin to describe my outrage, after further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I was advised by the attorney general 's office that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not get the services I originally purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with XXXX ( I was on the phone for at least an hour ), she mentioned that because the card was closed they wo n't look into the matter. This is simply unacceptable, please have them to look into the matter, they are supposed to be on my side! I would like my money refunded without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MiraMed Revenue Group LLC
State: IL

Complaint narrative:
This company called XXXX XXXX ( I think ) calls me every business day, sometimes several times a day. They are looking for an XXXX XXXX and I have told them several times that I am not him. My name is XXXX XXXX and I have had my number for 27 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a XXXX checking account. I do not have a capital one credit card. Capital one has been debiting my checking account without my authorization. I have been advised previously by XXXX to just close my account. This would be a burden on me. I have filed an unauthorized debit complaint with XXXX and emailed capital one to cease and desist in debiting and withdrawing from my XXXX checking account. XXXX has not accepted my statement to date. I am a XXXX XXXX citizen and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was XXXX for a few months and unable to make payments on my credit cards with Capital One. I returned home an dchecked my email and had a notice threatening legal action by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I apply for a capital one student card. the card was very reliable and i could purchase thing where every need but the only problem was when it came to payment. I was always told to pay on price and it would cover the account and then you would pay that amount and the next customer service rep. would tell you that is not enough to cover the balances on the account. They would harrassed me on the phone about payment. and sound real hostile and it was always some kind of issues with late fees and over the limit fees. They never offered thing right assistance to bring account down. you speak to so many people and they are always losing docuement of you information or what was discussed on phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 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:
I am getting XXXX calls per day from " Credit Collections '' for my ex. I have informed them via their online form he has not been at my home number since 2010 but they continue to call, disrupting my business ( I XXXX ) and waking me early in the morning on weekends. They are calling from XXXX to my home number have at least one time left a voicemail asking if the person answering is the ex who moved out almost six years ago. I have no legal responsibility for his debt, regardless of what it is but ca n't get these people to stop calling my house. They have called XXXX times that I know of.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In 2007 the credit card company filed a court complaint against me for monies owed. XXXX law firms later, the latest attorney contacted me for settlement, and I counter offered. 
Today this law firm has gone into my personal checking account and withdrawn a sum of money, I presume in attempting to start a payment process. 
I did not agree to this amount nor did I give them access to my account, or know anything about any possible withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX never even sent me a letter saying that this debt was owed or where to send a payment to. There was no contact between me and this debt collector then all of a sudden on day out of the blue I recieve a court summons saying I am being sued. I was never given a chance to work out a payment areangemen ( which I would have done ) or anything of the sort. Now I have to pay the debt plus court fees and the laywer is telling me even if we dont go to court on this it will still show as a judgement on my credit. This seems unfair to me as I was never properly notified of the debit to begin with! How is it legal for them just to do this to people?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
on XX/XX/XXXX I 'd had call over the phone to apply for a capital one credit card on the salesperson had mentioned that I 'll be all getting a 15 month no APR on the fix rate .my surprise on XX/XX/XXXX I noticed a charge of {$76.00} in my account just on APR. I have a call Capital one to find out what was the charge sales person on the phone stating that it was my APR charges starting on XX/XX/XXXX which I never got a notice on the mail stating that my APR will be changed to 23.99 % Capital one never provide me with the notice of this charge being applied to my account at least 45 days .I think that 's against the law provide The consumer notice before the rate is change.

Company response to consumer: Closed with monetary relief