vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Neiman Marcus store credit card, which I believe is provided by Capital One. I enrolled in on-line statements. I have a personal shopper who occasionally orders items for me to be shipped to my home, by my request. I requested my shopper to purchase a couple clothing items for me, but they were on back order. A month or so later, the order processed and the charge was posted to my credit card account. I had completely forgotten about the order and did not access my credit card account over this period as I had not shopped at the store and was n't expecting any charges. Over this period of time I did not receive any courtesy notices that a charge had gone unnoticed or unpaid on my account. On XXXX XXXX, I received my quarterly credit monitoring report and saw that Neiman Marcus credit card had posted derogatory information about me as a late payer. I immediately logged into my NM account and saw that there was a charge that was past due. I paid the balance immediately. I was shocked that derogatory information was posted to my account without them at least once trying to contact me to remind me of the balance. AFTER that information was posted, I received ( XXXX days later after my credit monitoring report ) a past due balance reminder. At this point the damage was done. My credit score went from high XXXX 's down XXXX points. I have no other derogatory information on my credit history - nothing. I wrote to the NM credit department ( as they do not take - or apparently make - calls ). I sent them a copy of my credit report to show them that they were dealing with a person of high credit standing. They sent me a proforma letter saying they would not reverse the derogatory information. I later called customer service and closed my credit card account and they did not even ask me why. They closed it in about XXXX seconds. I refuse to let this go without them removing the derogatory information and changing their collection practices to include a reminder before submitting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have asked Capital One to cancel a credit card I had with them months ago. They still will not close out the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got pick pocket out of the United States and lost all of my cards and military IDs, I called every company to let them know of the incident most of the companies have refunded funds that was taking from me. Now my issue is with capital one, they gave me credit for the missing funds and then this lady called me and to, d me that I have to take responsibility as well and they reversed the funds which now put my account in a big negative balance that is completely unfair from them and I 've been a long time customer with no issues ever and now they 're blaming me for being robbed how can a company do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A card was taken out in my name I 've never applied for a credit card till recently and discovered this card on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft, someone has used my information to obtain credit cards. Capital one & XXXX credit cards. I 've been trying to dispute these litigations under me and have come to no prevail. Therefore here I am complaining on this board trying to get some justice. This is ruining my life emotionally and financially, credit means everything in this day and age and due to this heavy issue that I 'm confronted with I have horrendous credit. Simultaneously the collection phone calls have left me sleepless at night when in fact this is truly and genuinely not my cards. I hope this board can help me with my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have XXXX cards from Capital One, this bank has the audacity to levy an interest rate increase and begin to charge an annual membership fee at their will. When I first received the credit card there was no stipulation on interest rate increase and membership fee. If you review my statements you will notice when cards was first issued there was no increase in APR and no membership fee. My credit is very good and I have repeatedly emphasized this to Capital One Bank- my credit worthiness is acceptable. I have contacted Capital One- their reply is Not reasonable and has no sense. 
I had the opportunity to combine my credit card and each attempt was denied I did asked the customer representative if I qualified and was told several time that I was, these events are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Kohl 's Department Store closed my credit card account due to inactivity without properly notifying me and they reported it to the credit bureau and as a result it has negatively affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Great American Finance Co
State: GA

Complaint narrative:
I have sent several requests to Great American Finance per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company on XXXX XXXX, 2016 which has well surpassed the 30 days allowed by law for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Also, not enough information to verify debt. This company was submitted this collection by XXXX in XXXX 2014, they are just now reporting. I have contacted all parties involved. CCS is giving me inaccurate information and will not provide me correct information in any form. I never knew I owed this amount and never have received any information until it showed on my credit report today. They show inaccurate coverage of vehicle for the insurance as well. I do n't believe they have any rights to this collection at all.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX, 2016, I accepted an offer online from Capital One to get a balance transfer for zero points and my regular rate of interest. I requested Capital One, account ending in XXXX, send {$6300.00} to our XXXX Cash Rewards Card ending in XXXX. I received an email stating that it was sent the next day, XXXX XXXX. Today, I called CapitalOne to see why the amount had not yet been credited to our XXXX credit card account and was told that Capital One does not accept electronic transfers of this nature, but only accepts a paper check, so the initial attempt by Capital One was not successful. At that time, a paper transaction was made. The banks both state that it sometimes takes up to 10-12 days to complete the transaction. During this time, the customer incurs 16.1 % on the balance transferred. In addition, the customer is paying interest to XXXX Bank for the amount on the card, or 17.1 %. So, together, the customer is paying 33.2 % on this amount of {$6300.00}, for maybe 12 days, amounting to {$69.00} which is borne by the lowly customer. I am sure I am not the only person that is in this situation, so I can see how this could be a very profitable situation for the banks. I realize that the customer should pay the originating loan interest up to the time the amount is transacted into the receiving bank. But, this situation is obviously one where banks are taking advantage of customers. Please investigate this practice to determine why this practice is allowed to exist in which the customer/consumer is obviously being " robbed '' by the banks and credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX of my customers file a dispute on a transaction after buying a scooter from me and keeping the items. Contact Capital 1 to get my money back on my account and fax proof of purchase and as of today Capital did n't credit my account back. Transaction amount of {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The Capital One Branch at XXXX XXXX in XXXX XXXX engaged in negligent action by notifying me prematurely of funds availability on a check drawn on XXXX XXXX XXXX and issued by XXXX, XXXX XXXX Bank. I personally requested that the bank verify this check and time was taken by bank personnel explicitly for the purpose of funds verification. Later, it became very obvious that the check was not verified before deposit. Please note that the check was never signed by me because I was waiting for verification before signature. After the Agent verified the check she did not request signature or any information from me. This causes suspect of the banking Agent who returned to the counter and informed me that it was a good check to clear at midnight. I would never have signed this check and deposit it into my account without verification. The check did clear and the funds were in my account by XXXX XXXX with no hold or pending notice. I expected the check to clear. However, I wanted to take every precaution with a first check especially of this amount and from people I do n't know. After the Bank cleared the check I felt safe withdrawing the funds the following day to complete the secret shopping work. Therefore, I did my part well as I always do to protect myself and the Bank. Two days after the bank verified the check ir was charged back and I believe the Bank is totally responsible for the loss of these funds. Either they knew it was a bad check and deposited it anyway or they negligently did not verify it as I had requested leaving me in a very vulnerable place by making funds available to me with no backing. I filed a case with the Bank Claims center who reports that the bank has no obligation nor responsibility to me as its customer regarding the loss of these funds. ( see attached letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 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: Convergent Resources, Inc.
State: MO

Complaint narrative:
Credit Report Inaccuracy : XXXX XXXX XXXX Dispute Letter XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Consumer Assistance XXXX XXXX XXXX, XXXX XXXX XXXX Re : Notice of Dispute to Pursuant to Section 611 of the Federal Fair Credit Reporting Act To Whom it May Concern : I recently obtained a copy of my consumer 's credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This is injurious to my consumer report and I request that you correct this information immediately. 
Please remove this account from my records it is inaccurate billing/contract information. Please remove from my files and your records and/ or show me proof of such debt accurately billed and belonging to me : Original Account : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX Collection Agency : Convergent XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Account Number : XXXX BBB Complaint ID # : XXXX My consumer report is extremely valuable to me, please be advised that willful non- compliance is a violation of the Federal Fair Credit Reporting Act. I assume 30 days is a reasonable amount of time for your investigation unless I am notified otherwise. Please provide me with an updated credit report. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I purchased a coffee maker from XXXX, that I ship back to them. Capital One issued a temporary refund, then several months later I was charged for it, putting me over my credit limit and decreasing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received a notice from Capitol One that they were issuing me a new card and account because XXXX of the merchants I had dealt with had a security lapse. I have been trying to get the name of the merchant and they seem to be stonewalling me. Their chat line wo n't accept my valid input, their phone representatives ca n't seem to access the information and they refuse to email me the information, stating that a name is too sensitive. What can I do? This is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My complaint is regarding an opened XXXX XXXX credit card account. XX/XX/XXXX I have been unable to use the line of credit from XXXX XXXX credit card due to a restriction placed on my account XXXX. XX/XX/XXXX they refused my request to close the account since I am not allowed to use it, for which my request was denied. XX/XX/XXXX XXXX XXXX assessed a {$19.00} annual fee to my account. I refused to pay the fee being that the account is restricted, I can not utilize the line of credit, and they refuse to close the account. As a result, that have assessed several months of past-due fees and interested and reported my account delinquent to all XXXX credit bureaus for past few months. What actions can I take against XXXX XXXX to force them to close my account and correct the negative information on my credit file? Is what they are doing legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My CapitalOne credit card says " XXXX day billing cycle '' when it is really only XXXX days. My billing cycle has always been XXXX days after XXXX of service. My end date for XX/XX/XXXX was on the XX/XX/XXXX, my next bill cycle should be through the XX/XX/XXXX but instead my bill is due on the XX/XX/XXXX. I called to explain that they have their dates incorrect but the woman ( was speaking to someone outside the XXXX ) kept talking in circles never admitting that my account is now being billed incorrectly. My APR is very high so it 's important that they stick to the consumer agreement of a " XXXX day billing cycle ''. Since this is a big bank and impossible to fight, I got nowhere with the call. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called Capital One on XXXX XXXX, 2015 about a bank error resulting in my account being rebilled in error for {$1000.00} on XXXX XXXX, 2015. I was transferred to the dispute department and spoke to XXXX. He confirmed it was a bank error and told me he would resolve the issue one the same day by issuing me a credit. 
After waiting on hold and being disconnected once, XXXX transferred me to his supervisor XXXX ( Agent ID XXXX ). XXXX told me that she would not resolve my issue, but would forward it to a department that could. She stated that it would take 30 days for me to receive a credit for the error. XXXX stated she was unable to issue a credit for the mistake or to send me a message or email confirming that the issue would be resolved. 
I also wrote a secure message to Capital One on XXXX XXXX, 2015 requesting resolution to the error, and received a generic reply on XXXX XXXX, 2015 referring me to a telephone number for the disputes department. 
I called Capital One again on XXXX XXXX, 2015. I was transferred to the dispute department and spoke to XXXX. She told me again that it would take 30 days to get a credit, and stated she could not provide a message or email confirming that the issue would be resolved. 
I closed my credit card account with Capital One at this point and paid off the remaining balance minus the {$1000.00} rebilled by Capital One to my account in error. 
I am very disappointed that this error occurred, and dismayed at Capital Ones refusal to immediately correct the error. I am sure that if the error were made in my favor, they would take quick action to remedy the situation. 
Here is a list of the transactions related to the original charge and culminating in the charge made in error. 
XXXX/XXXX/2015, XXXX XXXX XXXX, {$1000.00} billedXXXX, Contested Charge, {$1000.00} creditedXXXX, Charge Refunded by Merchant, {$1000.00} XXXX, Credit Rebilled, {$1000.00} billedXXXX, Credit Rebilled Again, {$1000.00} billed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: MN

Complaint narrative:
I needed to send money to a person XXXX. I could not find a Swift Code to wire the money to her bank account. I submitted a request via XXXX an online service to transfer a substantial amount of money to this individual. Once they collected my credit card information and personal information, they called me and requested photo documentation of a passport or drivers license. I considered this suspicious and had to cancel my credit card. Now I have no card for 10 day and will have to change the number on any accounts I have for automatic withdrawal. Do not trust this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
1. Company was made aware that my name should read XXXX as there are multiple XXXX 

2. Companies terms with no interest for XXXX months was not followed. I attempted to make payments multiple times via telephone and they were not processed. 

3. Company constantly calls phone numbers belonging to family members of mine harassing them despite the fact I never gave them their numbers or never authorized them to be contacted in any regards. 

4. Constant phone calls to me. They begin at all hours and do not stop throughout the day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 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:
On XXXX XXXX, 2015 Capital One XXXX branch representative opened a business spark checking acct for me. I showed him a promotional offer {$250.00} at acct opening in branch. The offer says open a acct with XXXX and make a XXXX bill pay within 30 days, then {$250.00} cash bonus will be credit back within 6-8 weeks after promotion ends. I made deposit of {$5800.00} at acct opening, and made XXXX bill pay {$830.00} on XXXX XXXX, 2015. However I never received {$250.00} bonus, also the bill pay was stopped which caused me extra fee {$70.00} from the payee. I never asked the bank to put stop payment. On XXXX XXXX 2015 when bank rep called me several times I asked them to release the payment. I am asking 1. {$250.00} promotional bonus back plus {$70.00} fee caused by the bank. Or 2. bank can issue a letter to payee to waive this {$70.00} extra fees. But {$250.00} promotional bonus must be credit back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am not at all satisfied with a response from the bank that says I can expect to hear from them in 60 additional days. They have violated every regulation that pertains to my situation. What the law requires of the bank is 10 days or to give a provisional credit, which they did, however 10 days after that they stole my direct deposit from my employer. Having my money and did n't make good on checks presented whist in possession of my money. The law is clear and I will attach the correspondence I 've had with the bank. How can you allow them XXXX days. Should I hire an attorney? My open case number is.XXXX

Company response to consumer: Closed with explanation