vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had my identity stolen and several Credit Cards opened in my name. XXXX of those was a Kohls card. I called and talked to a person at the fraud department at Kohls and explained what happened. I filled out all the paper work and was told they would investigate and it would be cleared up. This account was opened in a city over 10 hours away from me in a store, by a person with a fake ID of me. They told me it was clear I had not opened this account and that it would be cleared up. However the account was never removed and is now delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have received multiple balance transfer offers from capitol one for my union plus card. I have resisted doing one because of this part i can not see being legal based on current laws. I think its in violation of SEC. 104. APPLICATION OF CARD PAYMENTS of the Credit CARD Act of 2009 There flyer states on the back where no other info is printed besides the back of the balance transfers check : " If you pay your balance in full each month. you do not pay interest on your purchases. Please note, After you accept this offer, you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. To avoid paying interest on new purchases, you must pay your total balance in full ( including balances from this offer ) by the due date each month. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Capital One, To begin with, I have to choose a an issue which best describes my complaint, so I choose " communications tactic '' and I must choose a sub category, so I choose " used obscene, ... '' etc. There was nothing specific to my complaint with the CFPB. 

I disputed my debt with you in a letter dated XXXX, which you did not conduct an investigation or send me results of your investigation. On XXXX you sent me a letter with regard to my CFPB complaint, but you did not address anything about me disputing the balance of the judgment of {$2000.00} ( which you say I owe you ). And on a letter dating XXXX you sent the attorney I hired - a response to my CFPB complaint ( where your attorney disclosed and made my Social Security Number public ). In the XXXX letter you state that XXXX, XXXX XXXX XXXX is the law firm handling collections on the account. Which leads me to believe you are still attempting to collect a debt without validating my written dispute. This is a violation of several provisions of the Texas XXXX XXXX : XXXX ( a ) You did not make a written record of the dispute and you did not stop ceasing your collection activity. 
XXXX ( b ) You are reporting my account on my personal credit file and failed to cease your collection efforts until the investigation determines the accurate amount of the debt. 
XXXX ( b ) - ( e ) sending me results of the investigation. 
XXXX ( a ) ( XXXX ) Representing any person that the consumer is refusing to pay a nondisputed consumer debt when the debt is in dispute and the consumer has notified in writing the debt collector of the dispute. 
XXXX - Oppression and abuse XXXX - Unfair and unconscionable means XXXX The use of a third party debt collector that continuously engages in acts or practices that are prohibited by this chapter ( Texas XXXX XXXX ). 
XXXX - Injunctive and actual damages XXXX ( e ) - A person who successfully maintains an action under this section for violation of Section XXXX, XXXX, or XXXX ( a ) ( XXXX ) is entitled to not less than {$100.00} for each violation of this chapter. 

Please see the attachment in this CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Collection Service of Nevada
State: FL

Complaint narrative:
On my XXXX report I continue to dispute open collection status. The balance is XXXX but remains as an open collection and not closed. Item is not being reported correctly and should be a closed collection because I am no longer responsible for debt.

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 explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One took money from my checking account and will not put it back. I have called several times. The transactions were not authorized and I have communicated that with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received an email from Capital One stating that my new chip card will shortly arrive ( see attached email ). However, the email listed the incorrect ending card number than what my actual debit card that should be replaced. Upon receiving my new chip card replacing my current debit card, I contacted Capital One by phone and spoke to a representative to activate my chip card. As stated in the attached email that I received, my old debit card should have been deactivated once the chip card was activated. I was notified that my old debit card was used when I placed a recurring order with a vendor, the charges went through and were deducted from my bank account. I contacted Capital One ( XXXX ) on XXXX/XXXX/15, she was unable to verify the card number associated with the attached email. Additionally, she stated that the representative that activated my chip card probably did not deactivate my old debit card. In summary, it concerns me that Capital One sends me correspondence ( see attached ) that does not reflect my correct debit card information and they do not follow their own policy to deactivate debit cards that have been replaced. There is no validation to their card issuance/deactivation process, thereby enabling cards that should be deactivated to remain open and putting consumers at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One 's Fraud Department sent me an email asking to verify possible fraud on my account. I was attempting to verify that it was fraud and accidentally hit yes on the email and then I attempted to call them once I realized that I had selected the wrong option and I was on hold for 45 minutes mind you. Long story short, Ive had fraud on my account, and I did not receive or benefit from any of the services. I know for a fact that my signature was used to sign for any goods or services and almost 3 months later they are trying to hold me accountable for fraudulent charges that I did not make. Charges were made to big retailers like XXXX and such and I have already closed account the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Hello, my wife opened a credit card in my name back in XX/XX/2013 that I was n't aware of till recently. I wrote a letter to capital one and so did she explaining what she had done and if they remove the negative remarks and account information off of my credit report. They said they where doing a investigation and it would be resolved. Do n't make any payments due to I would get reimburse and it would all come off of my credit in the end of the investigation. She wrote a letter asking for them to put the debt in her name and she would work on paying it off due to not wanting to have legal issues over this. They did a small investigation and never asked for additional information on this nore did they send a letter to me about questions as to how we wanted to proceed. They just decided to assign it with a new account number and considered it my debt???? My wife is willing to sign a reconciliation letter and pay it back but I do want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had previously filed a complaint XXXX XXXX and did not add that the rate renewal shall be based on the unpaid balance. Capital One has based it on the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: LEXISNEXIS
State: NC

Complaint narrative:
XXXX Reports shows XXXX Inquiry Type " yes '' that was my request and responsibility seeking telecommunications services ; therefore, Lexis Nexis XXXX. XXXX XXXX XXXX, GA XXXX tel : XXXX has made decisions on or about my credit report/ score. 

Also including payment for " CREDIT SCORE '' saying at least XXXX or 0 % which I pay for, I can not build credit score is impossible because of not have a Grade Range or having a fair chance..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
A credit collection agency attaching privacy statements which I have not signed nor have I given authorization for them to use my ss number and information. They need to provide something I signed with the originator that states that they are allowed to seel my information to a third and fourth party. They claim to be attornies but they are representing a firm that goes under XXXX names, and send collection statements under each name when in essence it is XXXX and there is a class action law suit against them. I was making payments on my Saks Credit card but they had already sold my account ( XXXX XXXX still work for XXXX and was able to see that I was making payments while XXXX sold the account and only kept XXXX and laid people off ). As a result I will sue whomever is involved for using my information my account my data which already should be archived. It is illegal to use my name ss number and data when I did not authorize it. The privacy notice is bogus and not acceptable it is my data! And they sell my data THAT IS FRAUD!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I wrote a letter to Capital One on XXXX XXXX, XXXX, explaining that they were reporting GOOD information for a Capital One/ Sony account circa XX/XX/XXXX on my XXXX and XXXX credit files. This information is not showing up on my XXXX credit file. I REQUESTED THAT THEY ADD THIS INFORMATION TO MY XXXX CREDIT FILE. NOT REMOVE! 
What happened next : I received a letter from Capital One dated XXXX XXXX, XXXX. The letter was a generic statement letter ... " We agree that there is incorrect information on your credit report, so we asked the credit bureaus to remove this account from your credit report. '' Accounts in good standing remain on credit files for 10 years or indefinitely. This account was never delinquent. This is WHY I was requesting this information be added to my XXXX report ... it is already on XXXX and XXXX. 
I understand if Capital One does not want to report this information on XXXX, but by removing this information from XXXX AND XXXX will cause my CREDIT SCORE TO DROP. This will affect my scores by way of the credit mix ( i.e. types of loans mortgage, equity & installment ) and length of credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
There was a credit balance on my Capital One account, and I requested a credit balance refund on XXXX/XXXX/2015. I spoke with numerous supervisors, as I have had issues with Capital One before, and I was assured that I would receive a credit balance refund check. I was also told that the credit balance could be refunded to a recently used XXXX checking account. I made it clear that there should not be a payment adjustment made. After taking over XXXX weeks to process my request, Capital One has sent a supposed ACH credit to the originating bill pay service, which is nonexistent, and now I have had my funds warped into electronic nether-land all while being told that the request was treated in accordance with " Capital One policy ''. I am incensed to have XXXX checked my customer service answer ahead of time on how the payment would be issued, only to have Capital One take arbitrary action to resolve my issue that did indeed cause a domino effect of other issues. I intend to abstain from use of this Capital One account, but I am demanding that they honor their promise to issue me a check or to issue my a credit to my XXXX account. If the CFPB is unable to assist me with resolving this clear error, I will be forced to pursue other remedies. 

Thanks for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS
State: VA

Complaint narrative:
Please see attached document dated Sunday, XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
A debt collector called Credit Collection Services keeps calling my work phone and leaving voice mails on my work answering machine. I have caller ID so the number they are calling from is XXXX. These calls are constant throughout the work week and I 've even come into them on a Monday where they 've left them on the weekends. They are calling all the time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On or around XXXX/XXXX/14 XXXX XXXX XXXX. sent me my last dispursement check from my Escrow Disbursement account, to finish my repairs on my house from Hurricane XXXX. I NEVER RECEIVED THE CHECK. I called XXXX three times on or around XXXX/XXXX/14 - XXXX/XXXX/14. first time I asked when the check was coming, they said give it more time it is in transit. Second time I called them I told them I did not recieve my check and they should stop payment. Their response was " give it more time ''. Third time I called them, I told them I still have not received the check and for them to definitely stop payment. Their response was, the check has been cashed and that I needed to go to XXXX XXXX XXXX and request a fraudulent claim form. I told them that it was their job, being that the check was not from my account. ALL OF THIS IS ON THEIR PHONE RECORDINGS OF ALL OUR CONVERSATIONS. I asked that they send me a copy of the check, it took XXXX approximately eight months plus numerous phone calls, to get me a copy of the cashed check. Their explanation of the delay was that they were transferring their insurance loss department to a new location in Texas and all paper work was in transit. Finally, I received a copy of the cashed check and as you can see my signature is not present and nor did I give any authorization to cash this check. I filled out the necessary paperwork to the best of my ability to get this matter resolved, which I will attach. All three banks refuse to take responsibility. 
I believe Capital One is at fault mostly for not following proper procedures and taking and opening an account with an improperly endorsed check. 
XXXX XXXX XXXX also did not follow proper banking procedures because they did not check the endorsements and released the funds anyway to Capital One. 
XXXX is also at fault for not stopping payment when requested and simply not taking any responsibility or helping to resolve this situation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called Capital One to see if I can lower my interest rate which is currently 25 % and 23 % ( I have XXXX cards with them ). The first lady was very rude stating that it was nothing she could do and if they was to lower it the rate would be temporary.. This is XXXX I have been with this company for at least 2 years and my credit score is around XXXX, never missed a payment, and keep my balances low.. I informed the supervisor that I will be making a large purchase soon and WILL not pay them 25 % in interest.. The lady said she could n't lower my rate and to lower the rate is based on some standards.. I asked her what they were she could n't explain.. I asked her why I could n't receive the lower rate she could n't explain.. This is a XXXX way to run business with people and not a fair to their customers.. She could not give me any explanation on to why my request could not be granted.. I asked to speak to another manager she stated she was the highest that 's XXXX too.. This company is very unprofessional and love to scam people with high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX 2015 I paid off my credit card balance of XXXX online. Then Iclosed my account with CapitalOne with that payment. Then all XXXX sudden in XXXX 2015 I began to get series of phone call fromCapitalOne that I should call them to discuss my account. For some time I ignoredI ignored the calls as I know I do not have any account with them tobe discussed. When the calls did not stop I decided to access my acct. 
with the company to find out what the calls were all about. To mygreatest surprised I was shocked to find out in my account that I am stillowing {$190.00} and that made me to call the company to dispute theamount. I spoke to XXXX who decided to wave the {$190.00}, butdemanded that I should pay the minimum payment of {$94.00}. Heasked me to vow that I will make the {$94.00} minimum payment. 
I called the next day that I was not going to make the {$94.00} payment. Icame to this decision because I was beginning to believe someone wastrying to SCAM me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had recently received a check for a settlement. The check was a Capital One check. I had deposited this check in an ATM, and then followed up with Capital One that same night about when the funds would be available. The agent on the phone said that as it is a Capital One check that {$1000.00} would be immediately available, and then more amounts would become available as it was a rather large check. The agent had assured me that the {$1000.00} funds were available. The next morning I checked my account on the mobile app and Capital One had it showing that the full amount of the deposit was available. I then went spending as if that money was available. A few days later I went to buy some food and my card was declined. I called Capital One and they informed me that my account had been overdrafted and that the check I had deposited was put on " security '' and that is was my fault for not checking the balance each time I spent money, I went through XXXX managers and they all refused to understand my point of view. Ironically, they sent me the same check I had deposited in the mail a week later and told me nothing was wrong with it. The next day I went in the branch and closed my account after them smiling at me paying {$420.00} in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A merchant mistakenly charged my credit card in the amount of {$2900.00} ( the order number ) instead of {$290.00} ( the purchase amount ). The larger sum was immediately withdrawn from my account, and despite a prompt void of that transaction, MasterCard and or Capital One bank is refusing to credit my account immediately. I have been told it will take 3-5 business days to post back to my account. I assume the banks are earning interest on that sum while I am left without available credit. As a XXXX I occasionally need to rely on short term credit to cover cash flow shortfalls. This has left me in a position of having to use my cash reserves to purchase materials, when that should go to payroll. It seems unfair that the banks can tie up my credit in such a fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I did not give permissable authorization for XXXX XXXX to request my credit report for a vehicle loan nor did I need or apply for financing from Capital One Auto Finance. The actions taken by this company is fraudlent and I hereby warn and give orders to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation.

Company response to consumer: Closed with explanation