vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One does not want to provide information regarding my account. I understand they could not provide the info due to a recent identity theft that happened to me. They are requesting for me to provide documentation to prove my identity. I provided documentation but Capital One is saying the documents does not match the address they have on file for me. The address they have for me is " XXXX XXXX, CA '' which is for a closed account I had with them before. I applied for a new credit card last year with capital one using my XXXX XXXX address. I have called them numerous times and will not help me until I provide documentation with my " XXXX XXXX, CA '' address. I have not lived in XXXX XXXX for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The action of the debt collector is on a expired statute of limitation greater than 6 years old. The debt collector acts as fourth party to collect debt, originally XXXX, then Capital One ( acquired XXXX 2011 ), then indicates current creditor is XXXX XXXX XXXX , XXXX ( debt collector under Federal law is not : A creditor ), and fourth party debt collector XXXX XXXX XXXX XXXX seeks to collect on the " Re-Aged '' debt. The debt is not owed and the debt collector can not act as " Creditor '', violating Fair Debt Collection Act

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
My XXXX 2015 statement contained a charge dated XXXX/XXXX/15 from " XXXX * XXXX XXXX '' for {$290.00}. I have never purchased anything from this person or website. I disputed the charge as unauthorized. Capital One replied that the merchant substantiated the transaction and they would rebill me. What was provided to substantiate the charge was a printout of the merchant 's website ( which I did not recognize ) and a copy of the charge billed to the wrong expiration date, wrong cvv code, and wrong address. The only accurate piece of information was my card number, which has n't changed since I received the yard many years ago. 

I did research and noticed that this charge was also made by the merchant exactly one year ago. I did n't recognize it then either and the records show I disputed it and it was removed from my bill. 

I responded to Capital One 's rebill by letter indicating that the unauthorized charge was still disputed, that I never made this purchase, never used any product or service from this merchant, and to advise the merchant to stop billing me. I attached documentation of the previous dispute from a year ago. 

Capital One today sent me a letter saying " your request lacks all of the previously requested information to validate your dispute ''. Please see the attached letter Capital One is referring to. I provided all of the information possible. It is not my responsibility to contact the merchant to beg for a credit for something I never purchased. Capital One claims a {$0.00} fraud liability policy and they have failed to abide by it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I went into the XXXX in XXXX, PA and paid my Boscov 's credit card in full. 
I then received a bill in the mail with a {$25.00} late fee and charges of {$2.00} and XXXX on top of my balance that I already paid. 
When I called the number on the back of my card, they said that I did n't pay and I would need to fax a cancelled check. I went to my bank and they called the cardd company and after an hour on the phone with them, they did n't help me. They wanted my bank to fax a copy of my statement for proof of payment with all my persona information on it. I also told them a had a receipt of payment when I paid them by check, which my bank faxed them. They told me they were suspending my account. I paid my bill on time at the store. 
Is this how they make money by taking advantage of seniors - asking us to pay twice and then threaten me with late charges and shutting down my account. 
I have never been late and on a fixed income - I cant afford to pay twice and let them figure it out if they EVER figure it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit collections service is trying to collect a debt they bought and they are not licensed to operate in my state.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX Capital one will not remove this account and it has been fully paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Innovative Credit Solutions
State: PA

Complaint narrative:
Innovative Credit Solutions is still reporting a debt on my credit report in which they have not provided any information, this company calls and threatens that they are sending me documentation from the clerks office this company does not provide any information this is a collection for XXXX in which -- XXXX has removed this account from my credit reporting due to the factor its been over 7 -- -- years since the last payment was received this company provides nothing to me this is my -- -- complaint.

Company response to consumer: Closed
Consumer complaint received 2015-05-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
In XXXX 2014 we moved from XXXX to XXXX. Capital One was notified as we used the card for travel expenses. Once settled we had a purchase that was refused by Capital One. Upon calling we were told that the card was put into fraud status. In numerous phone calls to numerous people across the XXXX and XXXX countries we were told to prove who I was by sending Capital One copies of both sides of my Social Security card, both sides of my drivers license and a paid utility bill. I refused as this is privilege information that should not be sent to anyone. I closed the account in early XXXX 2014 and requested a statement. This was refused until I sent in the information they wanted. We had paid all statements we had received from them in full each month and the last statement we had was for XXXX. This was paid in full. We also saved all of our receipts from the trip up and paid that to Capital One even though they would not send a statement. To this date we have never received a statement or any correspondence from this company. We found out when applying for car insurance and was turned down by XXXX company that Capital One was posting errorous information to the XXXX credit companies. They have listing our account as past due and have been charging {$35.00} a month, for what we do not know. We want Capital One to prove any unpaid items to us, reverse all these late charges and fees, correct all deliquent reports to all credit reporting agencies and send us a letter of apology. Until this is completed we will pursue all legal avenues open to use.

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

Complaint narrative:
I rented a car from XXXX. I paid for the car from XXXX. Then XXXX charged my Capitol One Visa card {$100.00} for a moving violation in New York. The only problem? I did n't go to New York. I was n't renting the car when the moving violation happened. I called XXXX - they did n't give my money back. Filed a chargeback with Capitol One - they did n't give my money back either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Auto Finance is not deleting an account from my credit reports, which is more than 8 years since last delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In response to Capital Ones ' solicitation letter for home refinancing, I called them up and asked loan programs they have. I expressed my interest in one of the programs and asked them to send the application. They asked my credit card number to proceed. I hesitated to give, but agent said " no charge '', " no charge '' " no charge ' number of times. Since I did n't sign the application yet, I assumed it will be O.K. with such a big company, so I gave them my card number. Next day I receive application forms. But before I sign I received a better offer from another company, so I cancelled the application to Capital Ones the next day. 
However, when I received my credit card statement later on, I found they charged {$450.00} commitment fee which I can not accept. At no point the agent made me understand that just giving the credit card number is an acceptance of the offer and I am subject to any commitment fee. Who would accept that kind of offer in the world unless the person is a stupid or crazy. I think this is a typical example of credit card abuse or cheating to an innocent customer. I think U.S. is lawful country and I sincerely hope you would help me to resolve this kind of nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a home equity line of credit with Capital One bank. The date the draw period ended was XXXX XXXX 2015. If I wanted to make any changes I had to do so before that date. I called on XXXX XXXX, requesting a fixed rate option. I was transferred to XXXX different people, including refinancing. I did not want to refinance. I wanted a fixed rate option and was told I would be sent paperwork. Nothing came. I called again on XXXX XXXX requesting a fixed rate option. I was told a percentage rate could not be told to me over the phone and that a proposal would go out to me in the mail.I specifically asked the agent that even though the proposal would arrive AFTER my deadline of XXXX XXXX, would I still be eligible since I made the request before the deadline. She said Yes. I received a letter dated XXXX XXXX saying I do not qualify for a fixed option because my draw period has already ended. I called Capital One to tell them I did in fact request a fixed rate option before the deadline. The agent told me that there was some kind of time frame that I had to request before the deadline. This is not the case..I have a letter stating I can make a change up until XXXX on XXXX XXXX. I asked her where in the " Terms and Conditions '' this is listed. She transferred me to someone else who says again I am not eligible. The calls are recorded. I asked that the call be pulled and listened to because I was told I was eligible. Now they are denying that is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
We filed a bankruptcy over 15 years ago, and a Capital One card was included with this bankruptcy. We had other accounts with them that were paid off and we closed out. In XX/XX/XXXX ) they sent us a letter for collections purpose, I sent them a XXXX Letter soon thereafter, we had never heard from them until today XX/XX/XXXX ( XXXX ) Statue of limitations in Ohio is six years! We thought this matter was resolved, but now the phone calls have started. We want this resolved, since the bankruptcy is gone from our credit records, we do n't have any copies of our filling. Want to know what we can do to stop these calls and threats to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Prior to my divorce, my ex husband was able to open up several accounts online in my name using my information. I have been able to get everything except an account he managed to open in my name with Capital One. After getting nowhere with them, I filed a dispute XXXX. Instead of removing it, I received letters from CO thanking me for my recent inquiries into my account. This is infuriating, as I have not had an account XX/XX/XXXX with them. I have tried to call them, but instead of listening they try to trick me into making a payment- which I am not going to do. This was not my account and I will not be making any payments to it. I knew nothing about this account XX/XX/XXXX, when I had my credit pulled by a mortgage company, hoping to get a home loan. 
I am tired of dealing with this, and I need some help. I worked very hard to close out any account that I had opened in effort to be debt free. While I realize that hurts credit too, I did not want to owe anyone anything. I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have received a promotion from Capital One to transfer balance to my credit card with 0 % for 18 months. On XXXX/XXXX/2015 I transferred {$4500.00} to my account at XXXX and Capital One put {$4600.00} ( XXXX % transfer fee ) on my credit card. Due to restriction to the way of making transfer, I have made it online with expectation of funds arrived to my XXXX account in 10 (! ) days. I was wondered why Capital One did not simply provided checks for transfer considering that at the same time the bank offers balance transfer for my business credit card WITH checks. When I did not get money on my XXXX account in two weeks, I have contacted Capital One and XXXX on XXXX/XXXX/2015. Capital One representative said that they sent a check to XXXX, but XXXX representative said that they did not receive any checks for my account. I have written protocols of these chats and submit them with this request to CFPA. Finally, I 've been told by Capital One representative that he makes an internal request and somebody from their appropriate department will contact me in the next 10 days. Today, after waiting for 2 weeks I have decided to contact CFPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
my credit card company ( capital one ) stopped giving me reward points several months ago when i complained they said they would correct the problem but it would take a while. after waiting for a couple monts i called them again and they told me that i had exceeded the rewards maximum, i told them that there is no maximu according to their rewards agreement. i want to file a complaint against them, and get the money the owe me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One - 1 ) Refused to give me credit for the rewards dollars I accumulated on their credit card. 
2 ) Refusing to close my account twice even with a zero balance I opened a credit card account with Capital One earlier this year. The magnetic strip on my card stopped working so I requested a new one. During this time we moved to a new address for the first time in 28 years. They suspended my account and asked for all sorts of written documentation to be faxed to them. It would have been difficult to locate, given our move, and I would have had to travel some distance to a XXXX office to fax it, so I refused. I asked them to close my account and credit me for the {$120.00} of cash rewards I had accumulated. They refused. They made me pay my account in full without using my credits saying it was because they had suspended my account, so I 'm out the {$120.00}. Then they never closed my account as I requested despite having a XXXX balance. I just made a second attempt to close the account, was on the line for 30 minutes, and then they refused to do so until an investigator finished " investigating the account. '' I told them I was making notes of the conversation for this complaint and they hung up on me because of that. OK for them to record calls for training purposes, not OK for a customer to make notes of a call. I will now monitor my credit reports closely as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I disputed Account # XXXX XXXX XXXX XXXX with credit reporting agencies XXXX, Exquifax and XXXX XXXX on XXXX/XXXX/2016 as soon as this account appear on my credit report. I did not receive any commucation from XXXX XXXX XXXX and I did not receive any letter of validation statement with disclosure to let me know about this account or any other account that I had open from any medical bills. Below is the respond from Equifax and XXXX The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) XXXX We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CT XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class XXXX XXXX ; Client XXXX XXXX XXXX XXXX ; Amount {$410.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XXXX ; Balance as of XXXX {$410.00} ; XXXX ; Account # XXXX ; XXXX : XXXX XXXX XXXX XXXX CT XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I took a {$200.00}. cash advance from my Capital One Master Credit Card. I made extra payments to cover it XX/XX/XXXX. My last statement dated XX/XX/XXXX has a cash balance of {$1300.00} in addition to my purchase balance how can this be I never missed a payment on my card. No other cash advances were made on my account since the {$200.00}. in XX/XX/XXXX. How can my cash advance of {$200.00}, in XX/XX/XXXX carry a balance of {$1300.00} in XX/XX/XXXX after making regular monthly payments on my account since XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My back account was close because of fraud activity they did not do any investigation at all. So they just close my back account I do n't have any idea what happened I would like this to be fix and clear my name they said I deposit a check that was no good I do n't use check so I want to my local police department to file a police report I do n't know who would do this but I need to get this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I used an online money transfer service to pay for goods or services. I funded the transfer using my Capital One credit card. After several months I noticed that I was being charged a higher rate along with a separate interest charge each month. So I called the customer services department for clarification. I was told that I was being charged the extra fees for a cash advance. I told the rep that the info was incorrect and that I had never had a cash advance. They transferred me to a supervisor for better assistance. The supervisor told me that when I used the money transfer its considered a cash advance. I told her I never received any cash to me. At this time I was still trying to process the info and research to see if that information was correct. I started looking at my agreement with Capital One, and there explanation of fees. I could n't find anything that states that a online money transfer service is considered a cash advance. What I did find on there website that say 's understanding credit card terms. " A cash advance is not a regular credit card charge. A cash advance allows you to withdraw cash from an ATM, bank or by using checks given to you by the issuer for use when paying with your card is not an option. Be aware that while a cash advance may be useful in an emergency, it is usually expensive. You may be required to pay a transaction fee as well as finance charges. '' After further research online I found several sources such as money.XXXX and source : XXXX XXXX XXXX XXXX. They state the following ; " Fortunately, if you do use a credit card to apply funds to an online money transfer, credit card companies view it as a purchase, not a cash advance, because the money is not going to you. As far as the credit card company is concerned, you are purchasing a service. This is far more economically sound than using a credit card cash advance '' After finding several sources that explained this I quickly called back the supervisor and ask them to remove these charges. She declined with no explanation. I asked her to provide me where I can find on our agreement or on there website that justifies theses charges. She could not provide. I told her of my findings and explained that I purchased a service and that no cash was given to me. The supervisor told me that Capital One could do whatever they wanted and I could n't do anything about. I did n't have the means to fight with Capital One legally. I could n't believe what I was hearing. I 've never seen a company charge customers what ever they want and not have an agreement to back it up.

Company response to consumer: Closed with monetary relief