vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I opened a rewards checking account with Capital One and used it in large part because of the Rewards. Based on my usage, I had accumulated XXXX miles with effective value of {$120.00}. Capital One had promised " Miles never expire. '' Well, that is until one day I found out that my rewards balance was XXXX. I was told that the program ended and Capital One decided to take even the accrued rewards money away. I talked to a couple customer service reps, then went to the branch, but nothing helped. 

I find it as an Unfair and Deceptive practice to make me use their product mainly because of rewards and then evaporate the customers ' earned rewards one fine day. If I can not trust a bank to hoard my earned money ( rewards or otherwise ), who else can I? 

Additional Information : I moved from the XXXX to XXXX in XX/XX/2014. Capital One does not have the option to send communications to XXXX. It is possible they sent mails that I did not receive. I have not received any e-mail from them regarding this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This account has been paid in full but has not been reported paid in full to the credit bureaus. XXXX XXXX said the account has been updated. This is not being reported. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have been with Capitol One for almost two years now and have never missed a payment. However, I was offered a higher line of credit twice. I started with a {$500.00} credit limit than {$1200.00} and now {$1800.00}. I had a balance of $ XXXX.due XXXX, 2015 of which I paid {$78.00} on XXXX XXXX which left me with a Zero balance owed. Minimum payment was already paid. I also paid {$65.00} XXXX XXXX and {$55.00} XXXX XXXX. ( Interest ). which left me with a CREDIT of {$200.00}. I looked at my account balance last night and from the {$200.00} was as deduction of {$32.00} and that amount? was transferred to my balance owed causing my balance to go back up to {$1600.00} and line of credit reduced to {$160.00} with a INTEREST CHARGE of {$55.00} Due XXXX XXXX, 2015. ( How can Capital One Increase my Balance by taking a payment before it is due and making my balance higher before the DUE DATE? I have not made any purchased since XXXX 2015.ZERO!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Contacted by XXXX XXXX stating they can help me get 0 % balance transfer for 12 months and if I pay on time they would continue to renew the 0 % every 12 months until I paid off the credit card. I ask them to put it in writing on company or credit card letterhead. Instead they sent me an Email, and when I call them back and told them this was unacceptable, they started the process without my approval. Capital One issued a credit card and stated the balance transfers were for 3 months only. I was not aware that the company applied for the card and I decided not to activate the credit card. I contacted Capital One to get an understanding and concluded they could care less. They became disrespectful, so I told them that I did not want the card, please clear the credit information on my credit report, and they told me that they will report it as a closed account ( which will lower your credit score ) even though the account was never activated. This is wrong, but they did not care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capital one closed my acct, and then sent me an offer to come back. I accepted the offer and was sent a card. upon trying to activate the card i was transfered me to a rep who told me the acct was closed. Captial one is not honoring the new acct they begged me to come back to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ProCollect, Inc.
State: NC

Complaint narrative:
While my bankruptcy is not discharged yet, my attorney has provided ProCollect with letters stating that the information they are showing on my credit report is incorrect and needs to be removed yet it is still showing. I recently contacted them personally and was told by XXXX that while they show it is in bankruptcy status on their side, it is still showing on my credit because I keep disputing it. I find this odd since I have disputed other items to credit reporting agencies and they were removed. I also never received any sort of letter from them with my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was charged a late fee on XXXX/XXXX/2015 for {$25.00} that was supposed to be removed. I was also charged a late fee on XXXX/XXXX/2015 for {$25.00} that was supposed to be removed as well. When I make my monthly payment over the telephone I would be told it was on time. But if for some reason I was charged a late fee to contact customer service & they would remove the charge. I would contact customer service the day or a couple days after & they would assure me charges would be removed, but that 's has n't always been the case. The last time I contacted customer service they said since so much time had passed they would n't remove the charges. Even though it was the credit card company 's fault the charges got placed & not removed in the first place. I 'm recovering from a series of procedures & have n't been able to stay on top of my account as normal. But I 'd expect that when someone says they 're going to do something that they are actually going to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One blocked my credit card because I redeemed miles on the account. To verify the account they demand ID, front and back, Social security card front and back and a utility bill. I consider these demands for verification onerous and absurd. They will " unblock the account '' after 72 hours! No other bank engages in such demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went online to pay a credit card bill from Capital One. I wrote in {$50.00}. I had about {$300.00} in my XXXX Checking account. For some unknown reason Capital One took the whole card balance of {$970.00} from the account. Since I have overdrawn protection XXXX just paid it and I was over {$600.00} in the hole. I immediately contacted XXXX and Capital One. My problem with Capital One is I talked to them twice. Both times XXXX different people said they had other customers with the same problem. During the second time I called my Banker at XXXX heard the Cap One rep say I was n't alone with this problem. I 'm then told it will take 5 business days to get my money back? Why? I have bills I paid that are now being flagged as part of the overdrawn and I 'm being charged {$36.00} for overdrawing on each of the transactions. 

I told my husband about the problem. He 's a former XXXX XXXX VP who worked for XXXX. He called Capital One. All he wanted to do is ask what they were doing to fix their problem. They wouldn 'd dicuss anything with him because he was n't on this account. So I 'm worte a letter to Capital One for an answer as to what they 're doing to fix the problem and why does it take so long to get my money back. Is n't that Fraud?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Hello, I was a credit card customer of CapitalOne with a limit of {$500.00}. I left the USA XX/XX/XXXX as part of my completion of assignment and kept no dues in that account. I have never used that card again and the last e-statement I received on XX/XX/XXXX showed {$0.00} dues. Recently I received an e-mail from CapitalOne to notify me of suspicious purchases from that account. I immediately contacted them ( On XX/XX/XXXX ) from XXXX where I am working now and after due verification of my identity over phone they accepted my request to close that account and initiate an inquiry. They informed me that I am not required to pay the amount. 

They started sending me e-mails to pay the dues but I ignored them as I am not responsible for those purchases. Now I am frequently receiving reminders to pay amounts that is increasing month by month. I request your office 's intervention in this matter as the money they are demanding is increasing each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: LEXISNEXIS
State: WA

Complaint narrative:
I am unable to receive my LexisNexis C.L.U.E . Auto report. I thoroughly filled out the company 's request form, leaving nothing blank. In addition, I supplied a copy of my social security card ( Category A identification requirement ) and my auto insurance declaration page ( Category B address verification for mailing address ). I live between the United States and XXXX with my mailing address ( not physical address ) at a border town, but my submitted insurance declaration page reflects this mailing address. I 've met the LexisNexis requirements and yet their generic letter states I did not meet their verification process and that the request form was incomplete / illegible. None of this is true. There is no means to contact a human being at LexisNexis. My consumer number is XXXX and my case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Responded to initial contact letter with a timely debt verification request. Collection agency continued collection activity ( calls and letters ) before responding to the debt verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
calling and hanging up calling no less than 3 times a day up to 6 times calling after they have been informed of a date i plan to pay the debt. 
i paid a debt off on XXXX XXXX the last payment being XXXX they insist i missed the XXXX paymemt in XXXX of 2014. 
also calling.multiple times back to back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I continue to receive unsolicited credit card application forms from Capital One even after I froze my credit and informed Capital One customer service to remove my name from their mailing list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
CapitalOne has been charging me a membership fee of {$3.00} for the past 6 years. 
The customer service agents can not tell me what its for, or what benefits it provides. 
I have an identical card, but Visa branded, the one in reference is a mastercard, and it DOES NOT have this fee. 
My wife has the mastercard version and visa version, so the identical set up i have, and she DOES NOT have the fee on either account. 
The customer service folks are totally unwilling to resolve the issue or offer a VALID explanation. There is no reason i should be charged this arbitrary fee that literally does nothing. The listing of benefits for my card with the fee and my wifes identical card without the fee are identical. There is ABSOLUTELY no value from paying this fee. 

This is my OLDEST credit account and i do not want to close it, however i will happily enter in to a lawsuit just because my uncle is a lawyer and he needs to eat, if you understand me, because as he put it " this occurrence is a cash cow ''. He seems to think that UDAAP can be invoked in this instance and wonders how much he can make from this. 

So we can go either route, drag capitalones name through the mud on social media, the traditional media ( one of my XXXX works for the XXXX in town ), the court system ( my friend from highschool works in the DA office ). 

I currently have XXXX connections on facebook on my personal page, i have over XXXX reach on my professional facebook page which is finance related, i have thousands of connections on XXXX, and i have a XXXX account for my nonprofit that is reaching XXXX followers very soon. I have no problem bringing the truth to light, i also have time as well to do all of this as i have plenty of PTO accrued. 

So will we get rid of the fee for the past 5 years? or Will we begin a journey we can not un-begin? 

Your choice, i hope you take this seriously as i have a network of individuals in XXXX who work at capitalone offices and i would hate to have to call in a favor and get them jobs elsewhere leaving you high and dry intentionally, because honestly i have that type of influence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have received a credit card offer in the mail on XXXX/XXXX/2016 for my deceased wife, XXXX XXXX. She has been deceased for over one year. Eight months ago I placed her name on the FTC list for opting out of solicitations. I have attempted to contact the company by following instructions from their web-site. Their privacy policy directs me to " submit an unsubscribe request '' yet no feature exists on their website. The policy provides no alternative phone number nor mailing address. My complaint is to report the credit card company for violating federal regulations by publishing a privacy policy with bogus opt-out instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
was told on hold on XXXX/XXXX/XXXX. on XXXX XXXX XXXX saw my credit report I was 90 days late and owed XXXX dollars. called was told they would call back XXXX hours. wrote called 4 more times. sent payment. requested account be closed in XXXX and XXXX/XXXX/XXXX. they refuse transfer my call 3 times an hour later they claim they will call me back .will not close account, give me my balance or send me a statement. please HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
Turner Acceptance is reporting an account on my credit that should not be there the car was paid for they have a problem with payments I am requesting a full contract and payment history from them I have requested this information before and I was unable to get it from them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
this is going to Capital One auto finance - we have a loan with them for a vehicle first thing that happened we made a payment on line which was suppose to be free and was charged a XXXX fee which they would not refund -second is that will not take either one of oour debit cards for a payment - so we either mail it or go thru XXXX XXXX - third even though it states you can call them XXXX to XXXX at XXXX we can not get them to answer the phone - fourth the payments fell behind and about two weeks ago they came for the vehicle - my son called that same day and they gave him until XX/XX/XXXX to make a payment to catch up and told him they would add the holding fee to the end of the loan - we made the payment thru XXXX XXXX XXXX XXXX and when he called the next day to get the vehicle back they sent it to auction - told him he would have to come up with the XXXX holding fee now - they are saying they did not tell him that info when he talked to a rep two weeks ago and found out then what he needed to pay - it has been one thing after another with them -the last XXXX people he had a hard time under standing what they were saying -

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. Case Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: LEXISNEXIS
State: NJ

Complaint narrative:
My application with XXXX is denied because credit issueI called XXXX customer service- sales to order XXXX lines and after getting information from me the rep asked me to speak to XXXX finance department and transferred me there while the other rep was on the line too. The XXXX finance rep asked me some questions on my finance and identity ( like my addresses n all ). I replied to all correctly, In addition they asked me my relatives personnel information including their birth date and age and so on. 
finally rep denied me approve service and told me that you no longer allow to apply next 60 days.I was advised to contact credit agency. 
Now I got letter from XXXX and not giving me specific reason for denial my application but ask me to call at Lexis Nexis company, at XXXX. 
I dont know what is this company? Is this a fraud comapny? 
I tried to call customer service three day 's in a raw, all is recording play and no human answer to my call. 
I 'm strongly disputing this decision and would like to know why any company asked me third party personnel information to verify my identity? Why privacy law does not apply to these companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is an urgent matter concerning a loan modification offered via Capital One. Initially I was offered verbally a reduced payoff amount to avoid repossession of vehicle. The same day I recieved a call from body shop that capital one had called to pick up vehicle while during process of the agreement to prevent repossession. Following up with to further discuss ... I was told could no longer do so because vehicle had been sent to auction. Currently, per Capital One XXXX XXXX XXXX the vehicle has not been sold at auction ( which is a dealer only auction not allowing self opportunity to buy from auction ) and info was provide to initiated a loan modification program discussed. Capital One is requesting a good faith payment for normal payment amt to proceed with loan modification process. However, per agent today this amount must be paid before reduced amount finance documents can be sent for agreement. This does not follow with " Truth in lending practices '' and is misleading as I can not verify what I am agreeing to retain the vehicle and improve credit which has been damaged do to these processes. This is an urgent matter as the vehicle could be sold next week as suggested via Capital One if I do not pay said good faith payment in which finance agreement not provided for my review before making payment. This auto loan has been carried/paid at excessively high interest ( about 22 percent ) for nearly 5 years. The initial financed amount was about XXXX in which over XXXX has currently been paid from my behalf. In effort to save vehicle and credit I was interested in loan mod program but the refuse to provide agreement details in writing prior to my good faith payment amount. 

Your urgent assistance regarding this matter would be appreciated.

Company response to consumer: Closed with explanation