vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, I have received my credit report from XXXX, XXXX, and XXXX. I have contacted Capital One numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to XXXX and XXXX bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates Capital One XXXX XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I called capital one on XXXX/XXXX/2016 because there was XXXX in unauthorized charges. They asked if I knew a XXXX XXXX. I have never heard of this person and all transactions were in South Carolina and I live in XXXX. A month later the charges were still on my account. They NEVER opened a fraud case. So they finally opened one 2 months later. But instead of refunding the money they double charged it. Ive called five times!!!! They cant get this fraud right! I know crap happens but fix your mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Ref : Capital One Bank Credit Account # XXXX I contacted Capital One 's fraud department via phone on XX/XX/XXXX to inform them of multiple unauthorized charges on this account from vendors I did not recognize. I was told an investigation would be opened and I would be sent an update in writing. 

It is now XX/XX/XXXX and not only have I not received any information in writing regarding this investigation, I now see multiple new charges from the same vendors on the card. I had paid my last statement balance in full ( including disputed charges ) on XX/XX/XXXX since I had not heard from Capital One and did not want to be assessed late fees or penalties. 

Capital One now informs me that it will take 1-2 billing cycles to resolve the fraudulent claims and that in the interim they will not issue credits. So due to the lack of efficiency of Capital One, the consumer, has to pay unauthorized charges. Not only that, despite me having flagged unauthorized charges from vendors, they continued to authorize charges from these same vendors despite the card number having being changed. The explanation for this is that XXXX has updated the vendor with the new card number. So, to sum up, despite me flagging a vendor as having made unauthorized charges on my account, Capital One has seen fit to go ahead and without my permission update the vendor with my new card number and then had the gall to actually authorize further charges on the card. 

This is a travesty of consumer rights. I did not give Capital One any permission to update vendors when my card number changes. In fact, I want quite the opposite. Why is this being done? Is this legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Innovative Credit Solutions
State: AZ

Complaint narrative:
One month ago I received notice from my credit monitoring service that an entry had been made by a collections company. I viewed my report and saw that a company called Innovative Credit Solutions had requested a copy of my credit report, and then had reported to XXXX and to XXXX that an XXXX account that they alleged belonged to me was in collections. I had never heard of this company, had never received any communications from them, and do not have a XXXX credit card account. Innovative Credit Solutions reported to the XXXX bureaus that the open date on this account was XXXX/XXXX/2016 and that there is a balance of {$1500.00}. The entry made by them on the trade line with XXXX reflects XXXX XXXX as their company name, while the company name on the trade line with XXXX states the company name as Innovative Credit Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX - I called Capital one to find out what I needed to do to change my name and remove my husband from my account, where I am primary card holder, they took information and restricted my account without me knowing about it which caused me to lose over {$500.00} in points. Everyone apologized for and admitted that they made mistakes but i was still out the {$500.00} while I had an outstanding bill in excess of {$900.00}. No one informed me that i was getting a new account or this would casue me to lose the {$500.00} in points. They escaleated it to the highest complaint and said yes, they are aware they forfeited my {$500.00} but there was nothing I could do about it. They admitted they gave me misinformation. They closed my account, left me a {$900.00} bill and took my {$500.00} in points away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On or about XXXX XXXX, a representative called me about a charge of XXXX on my account. Captiial One suspected fraud ; this was true. Capital One told me that they would remove the amount from my credit card.Capital One did remove the charge. I wrote them XXXX letters, and they said they would remove the charge. Despite the fact that they said they would remove the charge they are still billing for {$26.00}. I wrote them another letter. They replied to me that they did not understand the nature of the dispute. I can not get through to these people. I have cancelled the card, and I need them to stop billing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
RE : CAPITAL ONE RETAIL STORES ( XXXX ) - ERRONEOUS LATE CHARGES ON MY CREDIT CARD EVERY MONTHCAPITAL ONE RETAIL STORES ( XXXX ), XXXX XXXX XXXX, XXXX CA XXXX ( XXXX ) XXXX, ACCQUIRED XXXX CREDIT CARD WHO WAS FORMERLY OWNED BY XXXX BANK. CAPITAL ONE RETAIL SERVICES HAS CONTINUED TO CHARGE ME LATE CHARGES EVEN THOUGH I WAS N'T LATE. EACH TIME I RECEIVED THE LATE CHARGES, I WOULD CALL INTO THE BANK TO HAVE THEM REMOVED. MY PAYMENT IS ALWAYS MADE BEFORE THE PAY DUE DATE OF THE XXXX OF EACH MONTH. IN XXXX I RECEIVED A LATE PAYMENT FOR XXXX, I CALLED CAPITAL ONE TO LET THEM KNOW THEY HAVE MADE A MISTAKE AND THAT THEY RECEIVED MY PAYMENT AT THE BEGINNING OF XXXX AND THEY CHAGED ME LATE ON THE XXXX. THEY SAY THAT THEY CORRECTGED IT, ON MY STATEMENT THAT I JUST GOT IT APPEARED TO BE CORRECTED AFTER THE FACT AND NOW THAT THEY PAYMENT IS DUE FOR XXXX THEY WANT ME TO PAY {$110.00} WHEN THE PAYMENT IS NORMALLY AROUND {$78.00}. I LOOK AT MY STATEMENT AND IT SHOWS THAT THEY RECEIVED MY PAYMENT FOR XXXX ON XXXX/XXXX/15 AND THEY STILL CHARGED ME A LATE PAYMENT ON XXXX XXXX, 2015 AS IF I HAD NOT PAID. THIS HAS CONTINUED TO OCCUR SINCE THEY HAVE ACQUIRED THE ACCOUNT FROM XXXX BANK - XXXX. PLEASE MAKE THEM CORRECT THEIR RECORDS AND STOP CHARNING ME LATE FEES, THIS IS DAMAGING TO MY PAY HISTORY WITH THE BANK. 
THE CAPITAL ONE CORPORATION HAS XXXX COMPLAINTS FILED AGAINST THEM AND XXXX OF THOSE COMPLAINTS ARE BILLING/COLLECTION ISSUES

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
In the month of XXXX of the year 2015 I had went into the store and tried to use my capital one card. Unfortunately I was n't able to use my master-card. I went and tried to use my capital one visa card, I was unable to use that card either. I looked on my account because if figured something was going on. I went into the capital one bank in XXXX XXXX VA where i had set there for XXXX to XXXX hours trying to figure out whats going on with my capital one accounts. 

The branch manager put me on the phone with capital one and capital one gave me the run around. As a witness to this issue I had the bank manager XXXX out of the XXXX V.A. office helping during the duration of this pertinent issue. 

There have several reports sent to capital one and a investigator was assign to the case I spoke with with someone there on XXXX XXXX at arpoxmently XXXX She again they swticthed me another department as they have done so a month ago. 

Its no resolution being taking into affect by captialone and I would like to resolve this issue and possibly go to a different bank, as I see that capital one is n't reliable on fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Manager was told by me that a minor who lived in the complex said " XXXX '', then after manager XXXX told, '' I will give them a warning '', still wrote me up and knew I did n't do it. She gives a tennant wrote up info, goes XXXX and lyes to the sheriff, then she goes in my apartment and tresspasses without consent. We leave because of what she did, disposed all my items without consent, then tracks me down illegally and sends false money amounts to my aunt 's. I did not do what she said.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My significant other & I have been in a Loan Modification process for several weeks with Capital One after receiving a Notice of Foreclosure Sale. The last sale date had been set for XXXX XXXX, 2016, and because we had submitted paperwork, they moved the sale date out to XXXX XXXX. Last week, XXXX XXXX, we faxed them updated bank statements - the last documents they requested. This week Capital One said they had all the documents and that our file is now with the Loss Mitigation Underwriter. I have been checking the Trustee 's foreclosure sale website and it is still showing a sale date for next Friday, XXXX XXXX, 2016. I spoke with XXXX on Thursday, XXXX ; and XXXX on XXXX at Capital One and was told by both of them that XXXX was going to contact the Trustee 's office & have the date postponed or canceled. Since, as of today, XXXX XXXX, the Trustee 's website had n't changed, I contacted them directly and they stated that had n't received any further communication from Capital One since the request in XXXX for moving the date back to XXXX XXXX. I 'm interpreting that they had asked the Trustee to move it back approx. 30 days, which would put it on or around XXXX XXXX, 2016. My complaint is that since we are in a full loan modification process, they can not still be pursuing an active foreclosure process. This is dual-tracking and my understanding is not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had payment arrangements to bring my credit card account current. I spoke to several representatives and was given different payment options. All of the correspondence is documented. I was told on XXXX XXXX, 2015 to make a payment of {$110.00} by XXXX XXXX, 2015. I was then told on XXXX XXXX, 2015 via Capital One 's message center to make a payment of {$120.00} by XXXX XXXX, 2015. I had already sent a payment of {$110.00} on XXXX XXXX, 2015, so I planned to sent the difference by XXXX XXXX, 2015. I then noticed that my account was closed on XXXX XXXX, 2015. When I inquired about the closure, I was told that because my account 120 days past due, it was closed. I told them about the correspondence with different representatives and how I was NEVER told that my account was going to be closed even though I made the required payments. I was told my payments would bring the account CURRENT and my card would STILL BE OPEN AND ACTIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I used my CapitalOne Visa credit card in XXXX to contribute to an " XXXX '' campaign in exchange for a " perk ''. The perk was a drone that arrived in XXXX. Unfortunately, the drone did n't work, it was dead on arrival. I tried to work with the drone manufacturer, XXXX, via phone and email. XXXX agreed that the product was dead on arrival, but XXXX refused to provide any repair, exchange, or refund. 

I asked Visa to dispute the transaction and Visa provided a tentative refund on XXXX XXXX. Visa reversed the refund on XXXX XXXX and asked for additional documentation to support my claim. Visa received XXXX pages of emails and testimonials from me on XXXX XXXX. Visa sent the following letter to me on XXXX XXXX XXXX : " Hello XXXX XXXX XXXX We have received your documentation and will continue your transaction dispute investigation. We may contact you with follow-up questions, but until then, no additional information is needed. '' I called Visa on XXXX XXXX to check the status of my claim. I spoke with XXXX XXXX XXXX XXXX XXXX and he assured me that the documentation was in order, that I needed to allow at least 10 business days, and he added a note to my case stating that I was available by phone and email in case anyone had any questions or needed any additional information. 

I called Visa on XXXX XXXX to check status and was told that my claim was denied. I was transferred countless times ( agents XXXX, XXXX, XXXX, etc, etc, etc ) and put on hold for hours as I tried to learn what had gone wrong. Every agent I spoke with agreed that XXXX admitted in writing that the drone was dead on arrival, but that is not sufficient proof that there is a problem with the " perk ''. 

Visa did n't follow their own procedures and Visa denies they sent me the above letter ( it 's on CapitalOne letterhead, copy available upon request ). XXXX agent actually told me that there 's no place for common sense in this process. 

Visa makes it easy for bad merchants to take advantage of well intentioned consumers. Visa creates a moral hazard for all of us when they intentionally delay, and ultimately deny, refunds for defective merchandise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a Capital One credit card account which was paid off around XXXX 2014. I recently contacted Capital one credit department and they send me a letter stating that my account was paid off in full. Today I received a court summary stating I'am being sued by Capital One for around {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I accepted a trial offer for additional internet exposure for my XXXX from XXXX. I agreed to a XXXX time fee of {$90.00}, On XX/XX/XXXX a company calling themselves XXXX billed my credit card {$220.00}. I had no idea what XXXX was nor any idea what product or service they provided so I disputed the charge with Capital One and requested that all my Capital One accounts be immediately closed. Subsequently, Capital One denied my dispute claim and rebilled my account despite overwhelming evidence that the charge is fraudulent and that no value, product or service was ever delivered. There is significant information available which has been provided to Capital One outlining dozens of complaints regarding RealEstateAgent.com and the misleading and deceptive practices they employ to steal money from unsuspecting consumers. Please see : XXXX and XXXX Both these websites contain information about the fraudulent, misleading and deceptive practices employed by XXXX. The pattern continues see : XXXX. Apparently, this vendor does business under a variety of titles - XXXX, XXXX and XXXX. Capital One has proven themselves to be complicit in perpetrating this fraud by favoring their vendors over their cardholders and consumers. I did authorize the initial charge but did not at any time authorize any additional charges and was assured by their agent that there would never be any additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We represent a XXXX senior of limited financial means. On his behalf, we sent a letter to this creditor requesting no further contact of any kind. The creditor has continued to send monthly statements and demand letters to our client at his home address. By continuing to communicate with our client directly rather than through us and after receiving his request for no further communication, the creditor is violating Section 805 ( a ) ( 2 ) and Section 805 ( c ) of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One randomly and without my consent to reject ; has increased my credit limit three times in the last year. These have been significant credit line increases. Capital One says because of my good standing, they increase my limit. However, they refuse to lower my interest rate. I have a high interest rate and Cap One keep raising the credit line to potentially extract more money from me. It seems this practice is unethical at best, because if I 'm such a good customer, then lowering my rate would be the best practice. I contact the XXXX about this and Capital One replied w/ a scripted response. Capital One is practicing in unethical practices by not allowing the customer to decline a credit line increase and they say " accounts are periodically reviewed for credit line increases '', but say my account is n't eligible at this time for an APR reduction? Makes no sense. If I 'm such a good customer, then trying to squeeze more money from me on a high interest rate from credit line increases is very much a sleazy tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have contacted Capitol One to get this 30 day marked removed via goodwill intervention. They claim they ca n't do that but I had another company removed a 30 day mark via courtesy, I was credit reported for {$3.00} which I do not think its fair. I have been a customer for almost 10 years and I advised them on numerous occasions I was a victim of identity theft. I spoke with XXXX XXXX Firm who specializes in credit issues and they advised me that creditors can remove it via goodwill intervention, they state Capitol One should remove it and not sure why credit card companies tell consumers that negative marks ca n't be removed. I need the credit marked removed so I can obtain a lower percentage loan so I can pay off some of my higher cost loans such as my credit cards that have high APRs. Some of the time I get people that can barely speak English. I am an American I need to speak with a rep that I can understand. What Capitol One is doing is unfair, I only have XXXX-30 day mark and they clam it ca n't be removed when I know the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
XXXX XXXX recently informed me that I owe a {$50.00} debt from XXXX 2014. I sent them a copy of my bill pay statement from XXXX 2014 that shows I paid XXXX the {$50.00}. XXXX submitted the bill to Credit Collection Services XXXX and I also sent the 2014 bill pay statement. to the Collection Agency. I am going to send both of them this proof again and this time by certified mail also because they say I still owe the {$50.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation