vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My issue is that there are several XXXX dollars worth of deposit transactions to a couple of foreign binary options brokers that turned out to be fraudulent. The merchant, that is, turned out to be fraudulent. It is illegal for these merchants to do business with United States citizens unless they are regulated and licensed with the CFTC. Neither of them are regulated or licensed with the CFTC, but the merchants lied to me and said that they were. I have been making deposits to these fraudulent companies since XXXX, 2015. I only found out they were fraudulent when I tried to make a withdraw of my funds and they never sent them to me and after a few phone calls they locked me out of my account. So they stole my money! I had about {$75000.00} in XXXX account and about {$65000.00} in the other. I 'm only asking for my original deposits/investment back. 

Now, I originally filed a dispute with my debit card for these deposits as unauthorized transactions because the merchant was n't authorized to do business in the United States. Apparently, I should have categorized it differently. The debit card company investigated these disputes as such. The first dispute ( there were XXXX separate disputes about a month apart ) was found in my favor. However, I only received about {$1500.00} of the $ XXXX+ in that dispute. It was the XXXX most recent transactions at the time. The second dispute resulted in nothing. They closed the case because I had authorized the transactions. Again, I should have categorized the dispute differently. I tried to explain this to my debit card company but they wo n't reopen the investigation and refuse to issue any type of refund. This dispute also had around $ XXXX in transactions. 

Now, the reason there were XXXX disputes about a month apart is that it turned out that the same company owns both binary options brokers but the debit card transactions showed differently. So even though I was trading at XXXX companies I was basically trading at the same company. 

The total amount of both disputes is about {$55000.00}. And yes, this began back in XXXX of this year. I realize that 's 10 months ago ; however, I believe these are special circumstances because of the way I was defrauded. The company led me on for 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I updated my email through the Kohls website and they were not sending me my statements. It appears they have charged my account over XXXX dollars in late fees, and did not notify me they had not been receiving my payments on time. I had no way to determine they were not receiving them onetime since the statements did not come to me. and the payments are automatically withdrawn from my checking account each month. I asked if they would assist me and they said NO. I want some assistance in having these fees removed/reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I keep receiving credit card pre-approved offers from Capital One Credit Card. I have asked them to stop via phone and have returned mail to them over XXXX times. Still ... they keep mailing them to me. At least every 2 weeks. And, in a two week period I received about XXXX offers via us mail. I would think that their pre-approvals would affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have an open account with Capital One Bank with a credit limit of {$1000.00}. ( Information : My credit limit was {$10000.00} with Capital One Bank, but after getting a cash advance for {$5000.00}, my credit limit was reduced to {$1000.00} ). During XXXX 2015, I had a balance of {$11.00} on my credit card account. On XXXX XXXX, 2015 my personal banking account was debited {$11.00} by Capital One Bank from a check I wrote to Capital One Bank. After debiting my account, I now have a zero balance with Capital One Bank. I have not used the card since having a zero balance. On XXXX XXXX, 2015, I received a billing statement from Capital One Bank with a " Renewal Notice '' that I would be charge {$59.00} for a " Annual Membership Fee ''. In the statement Capital One Bank " urges '' that I avoid paying the Annual Membership Fee by closing my account. I have basically, XXXX complaints. Number XXXX : Why am I being charged a {$59.00} Annual Fee with a zero balance, when I have a " Excellent '' credit rating, while other card holders are being charged only a {$39.00} Annual Membership Fee. XXXX I do not want to close my account. Closing my account could affect my credit rating. At any rate, I prefer not to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Kohl 's department store keeps calling me, at least XXXX times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX / XXXX XXXX : Loan # XXXX Property address same as above To Whom It May Concern : This is regarding a bank load ( mortgage ) that when into foreclosure on our residence listed above. We were offered verbally ( and also by letter ) a chance to modify this loan under an agreement of a trial period of three months. I, XXXX, verbally accepted this program immediately ( XXXX XXXX, XXXX ). The three month trial period consisted of paying the amount requested by Capital Bank on time or before the XXXX of the month beginning XX/XX/XXXX through XXXX XXXX, XXXX in the amount of {$730.00}. My husband and I agreed to this and complied with their request. Thus far, we have wired 2 payments on time with the third being due XXXX XXXX, XXXX. In the meantime Capital Bank sent a letter to us stating that there were XXXX liens against the property from The XXXX XXXX XXXX XXXX. The XXXX lien being in XX/XX/XXXX in the amount of {$50.00} and the XXXX lien being in XX/XX/XXXX in the amount of {$2900.00} again from The XXXX XXXX XXXX XXXX XXXX. 
First of all my husband and I were not born as of XX/XX/XXXX and in XX/XX/XXXX we were XXXX year old. 
Capital Bank refers to our residence which did n't exist back in the above dates rather was built in XX/XX/XXXX. 
The property ( XXXX XXXX XXXX, XXXX, New Jersey XXXX ) was left to us via inheritence in XX/XX/XXXX. At that time there were no liens on this property. Furthermore, in XX/XX/XXXX we borrowed {$200000.00} from ING Bank and the liens did not appear at that time either. 
We have been informed that ING Bank was bought by Capital One Bank. 
Capital One has put my husband and I back into foreclosure and is preparing to take our residence away due to these liens. It was not the mortgage we were behind on rather the property tax. The taxes were to be included with our mortgage modification and that is what we are now paying on the mortgage including taxes. 
We have had several hardships in the past three years. First of all, we owned a XXXX family dwelling next door to our property which we collected approximately {$60000.00} in rent a year. Unfortunately, XXXX of the tenants in XX/XX/XXXX started a fire with a faulty electric heater and burned the XXXX-family down to the ground. Since then we have lost our income in rents, and the building. Secondly, I, XXXX XXXX XXXX had a serious fall XX/XX/XXXX and was in XXXX and hospitals to XX/XX/XXXX as I XXXX. XXXX. This put my XXXX on hold for 2 months in which I lost almost 3 months of work recovering. Obviously this made us fall behind financially. My XXXX is a XXXX person office and was closed this length of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
This company made me a Video DVD, but never got back with me to edit the DVD. What I wanted in this DVD was to have Pictures of Women 's shoes, of the actual items I was selling on my website. I DID NOT want Pictures of Women 's Shoes I was not going to sell on my websites. I have not used the DVD in anyway at all. Why should I to pay for services that I am not happy with? I am not happy with the service they have provided in the past and will not subject myself to such treatment in the future. I can not begin to tell how disappointed I am with this entire situation. I have tried to contact you numerous times and conveniently you are not available. I have verbally expressed my concerns and have requested a Full Request on several occasions. Your agents have asserted that they will not return my money. This entire ordeal is sketchy! It has been my experience, while speaking with other companies such as Impact Knowledge. During the month of XXXX, my full time employer was working me XXXX hour shifts per day, six days a week. I made the executive decision to suspend my coaching sessions wherein a representative would XXXX XXXX XXXX train me on how to build my website my coach agree. My sessions were nowhere near completion. Then without notice you switched my coach. The new coach ONLY mission was to encourage me to register new credit cards my XXXX name, so I could be stuck in more debt, instead of starting business, appropriately. To date, I have yet to receive the product as described. 
I advised my credit card company of the situation, and the simply refuse to open up an investigation on my behalf. I even told offer this company the opportunity to remedy this situation directly. They told me they were XXXX company but charged me as a completely different company. Please get my credit card company to consider this matter seriously.

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

Complaint narrative:
This bank is terrible. They like to make bad judgements on their customers. They closed my account without my knowledge while checks were outstanding and did n't give me a chance to make it good.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have been trying to contact Capital One several times about fraudulent charges on my account, but I continuously get ignored and transferred around! There were several cash advances and charges made without my permission. I advised this company to shut down my account and close it a few months ago, they did n't do it and now there 's several fraudulent charges too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has wrongfully reported credit bureau information. Despite numerous telephone calls they refuse to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 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: CCS Financial Services, Inc.
State: OR

Complaint narrative:
I ordered XXXX XXXX service early XXXX XXXX. A technician came out to connect the service on XXXX/XXXX/XXXX. I was not satisfied with the service, canceled the service and returned the cable box & modem on XXXX/XXXX/XXXX. I was told since I did not have service for more than 30 days, I would not have a bill. XXXX is pursuing me for a debt for unpaid charges and/or failing to return equipment. I have a receipt from XXXX date stamped XXXX/XXXX/XXXX XXXX for equipment returned. I have reached out to XXXX to resolve this issue as soon as I received a collection notice. On XXXX/XXXX/XXXX I was assured this bill was in error and would be taken care of. It is now XXXX/XXXX/XXXX and I am being threatened with negative reporting to my credit report for a debt I do not owe. I have informed XXXX I would be reaching out to you for resolution since they are refusing to honor their end of the deal. Also I have faxed a letter of dispute to the Credit Collection Service explaining the same as above. I have mailed a copy of the equipment returned receipt to the XXXX XXXX XXXX in XXXX, MI. Since I live in Oregon I do not have the pleasure of walking the receipt into a XXXX location.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capitol One XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Dear Sir/Maam, As a longtime customer, I would like to thank Capitol One for all the remarkable service they have given my family over the years. I hope to continue service with your company into the future for many years to come! 
However, it is my responsibility as a consumer to make you aware of the illegal practices of XXXX of your companies who use your services, namely Menards, of XXXX XXXX XXXX. To begin in XX/XX/XXXX I was having my home remodeled and needed supplies. 
I went to Menards to purchase supplies but they did not have them and said they would have to be ordered. I gave them my credit card and paid for everything including delivery. I told them I must have these supplies delivered by a specific date. After calling them, they called back and said they would not be able to get them there on time for delivery. I immediately canceled my order and told them to give me a refund. 
This was in XX/XX/XXXX. The next billing cycle I received a bill for all the merchandise I NEVER PURCHASED AND HAD REQUESTED RETURNED and called Capitol One, who promptly confirmed my information with Menards. Capitol One said Menards said they had credited the account but Menards never did. Again, I called Capitol One who confirmed that Menards had not credited the account and suggested I return to the store I had visited, which I did. I spoke to an assistant at the desk who said they would handle the return Naturally disappointed, I called Capitol One back. They attempted to make contact and show Menards who had done nothing to credit my account. A couple billing cycles and a couple turns with the Capitol One resolution department finally generated a partial credit on my account. However, I noticed that Capitol One, had sent me yet another bill now for almost XXXX dollars! 
I again contacted Capitol One, who called Menards to ask what was this new charge? No one knew. Finally after a half dozen visits to Menards and over 30 hours of wasted time, I was told that by the way, that was a restocking fee I was being charged for items never ordered, purchased or delivered, since I had already stopped the order before it began! 
Again, I went to Menards, expressed my dissatisfaction and was told well, if you want, we can give you a store credit but we can not refund your account. How can they issue a refund but not a total refund? I told them me financing a store credit was unacceptable and they had no authorization to charge any fees to my account for canceled, undelivered products, which they did not even have available, causing my immediate cancellation. 
In summary, Menards actions amount to nothing less than fraudulent, deceptive and unethical business practices and it should be rightfully and hastily rectified in the interest of honesty and fair trade. If I may be of further assistance please feel free to contact me at your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One had their attorney XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX in XXXX a settlement agreement was made to my knowledge of {$1200.00} dollars after paying and being harassed for more money I filed a complaint with your department. after that I never heard from this attorney again. I have recently applied for a home loan and was told this is on my record and has never been settled for {$3600.00}. I spoke with XXXX on XXXX I.D . # XXXX who said this acct was opened in XXXX thru XXXX after which I believed it was closed. She told me it was not closed and that the last payment they received was in XXXX but would not say for how much. I am asking that this matter be settled and my credit report and court report be brought up to date. I was given a settlement amount and once I field this complaint all of sudden I am being told I owe over {$3000.00} dollars. Any help given to resolve this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: NC

Complaint narrative:
I have not ever heard of XXXX XXXX, XXXX - via ABC Financial - phone XXXX. I 'm blocking their calls and putting out " Do Not Call '' advisory. 

I think this is a " collections '' call or a XXXX call - trying to get individuals to call back thinking something has been charged to their account. 

I 'm XXXX years - but, I 'm computer savvy. 

Message is from XXXX XXXX - XXXX ABC Financial - XXXX - XXXX I have not ever heard of them. 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
very very very old debt, out of the statute of limitations, paid in full years ago, and the company has a collection agency attempting to collect the same debt again and its expired from 6 years statute ... I have sent them cease and desist letters and they have not complied. please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capt one XXXX chgs for for XXXX, XXXX XXXX each, this ventor was informed in the time frame to cancel. They cancel a XXXX chg as they could not provide the services of a search, and I informed them in the XXXX day period to cancel. They did n't and keep chging the acct XXXX twice

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One in XXXX XXXX XXXX, UT XXXX made XXXX hard inquiries to my credit in the last 10 months as follows : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did not request credit from Capital One during this time period and this has affected my credit rating. I requested they remove the inquires and stop making inquires but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Using my Capital One credit card, I ordered flowers from XXXX to be delivered to my mom on XXXX 's Day. The charge was {$52.00}. My mom said the flowers were not delivered to her. I tried to dispute the charge with Capital One. At first they refunded the charge but later they added the charge to my account without my permission. They used some flimsy excuse that the merchant ( XXXX ) submitted the charge again. Capital One sent me some meaningless papers that does not prove the flowers were delivered to my mom or anything else. I do n't know how to prove that something was not delivered. When I complained to Capital One, they closed my account ( they do n't like customers who complain ), but the charge of {$52.00} remained.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have XXXX credit cards with Capital One, XXXX card with XXXX limits, and XXXX card with XXXX limit. On XX/XX/XXXX, I attempted to use card # XXXX for an {$8.00} purchase and it was declined. I called Capital One to check my balance. I was told by customer service rep named XXXX that the annual {$59.00} charged to my account. This resulted in {$500.00} over the limit. I requested that Capital One wave these annual fees on all my credit cards because ; 1. There is NO added benefit to any of these cards. 2. I have had a Capital One credit card holder customer since XX/XX/XXXX. And 3. I have XXXX cards with them and they are charging me {$59.00} on each card. 
The XXXX XXXX told me he could not wave the {$59.00} fee because I was over my limit. This was because of the annual fee charge. I do not agree that they should have the right to charge the fee and put you card over its limit, then tell the customer that they can not wave it because you are over your limit. 
Next, I have ask Capital One on another occasion to combine these XXXX cards and their response was that because I had an outstanding balance, they could not do so until they were paid off. I have since realized that these are not written policy but they simply refused because they are gouging me with annual fees and interest. They indicated that the card I have are not eligible for line increases and that to have the annual fee waive you must have a credit limit of {$3000.00} or more. I have applied for line increase, and always declined, poor level of service, never offered any up- grades, even though I have been with capital one since XX/XX/XXXX, my accounts are always paid on time ; even when I have called to dispute a charge or service, I have received push back from Capital One not want to handle the dispute. This is the joke! And equates to predatory lending. I do not think my purchases show go declined while they debit my account for an annual fee and refused to waive it because my account is over the limit due their charges. They also refuse to transfer you to a manager when ask or escalate these issues when ask. 
At this time I am requesting that they combine all XXXX cards to XXXX and refund my annual fees. They do not have the right to levy annual fees for no particular reason.

Company response to consumer: Closed with explanation