vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid off XXXX credit cards of which I was three months late on, to date it is still stating late. I have received my XXXX on these cards, paid my dues, and they informed me that they would be removed from my report upon payment, and now they refuse to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My capital one credit card went missing and a few unauthorized charges totaling around {$1800.00}. I followed the necessary procedures to file a fraud claim and was denied {$1100.00} of the charges stating there are " no indications of fraud. '' This has been a sham with capital one since the day I reported this and I can not get anyone to help. I 've left numerous voicemails with no return calls and a certified appeal letter that has also gone ignored.. These XXXX particular charges that they are denying are from the same merchant and state that items were shipped to my address, but yet can not provide a tracking number not a delivery service in which I can follow up with. In addition, capital one stopped short of calling my family thieves and indicated that someone in my household must of made this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, I made arrangements with the Capital One # XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all three of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. Capital One withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This Capital One says I had a card from XX/XX/XXXX & charged off in XX/XX/XXXXThat 's impossible as I never had this card or applied for it. 
I think it 's a part of fraud from long ago. 
However XXXX reports it as mine & it 's incorrect. 
Can you help me? 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had opened Spark Business Credit Card by Capital One Bank on XXXX/XXXX/16 and had limit of $ XXXX due to excellent credit and done transactions total of {$120000.00} on this credit card. The problem was that our business checking a/c at XXXX XXXX XXXX had ACH Filter to stop ACH transactions which are not part of " allow '' list to stop fraudulent transactions. 

Hence, the payments we initiated through web portal of Capital One got denied to our checking a/c due to ACH Filter. In order for XXXX XXXX XXXX Bank to add ACH Originators to " allow list '', they needed originator 's ACH Company ID number. I contacted the customer service of Capital One to get their ACH Company ID number but they were not aware of what this was and why it was required. Due to difficulty we encountered with Capital One, we decide to initiated the payment to our checking a/c held at XXXX XXXX and hopefully we shall finally get that ID from XXXX XXXX when XXXX XXXX rejects that ACH. The payments we initiated through web portal of Capital One got denied to the business checking a/c due to ACH Filter that account. 

Few days later due to unsuccessful attempts to get Capital One 's ACH Company ID, we decided to use our money market a/c with XXXX XXXX that had no ACH Filter and all payments were cleared successfully at every attempt to this money market a/c with XXXX XXXX. 

Also customer service of Capital One did conference call with XXXX XXXX XXXX three times to verify the funds and validity of account. 

Last week on XXXX/XXXX/16, Capital One bank decided to close the account stating fraud fraud suspension and saying the accumulated cash rewards {$2300.00} automatically get forfeited. 100 % of the outstanding amounts was paid in full before due date. 

Capital One bank is not fair by denying to pay us the accumulated cash rewards of {$2300.00} despite they charged merchant fees to vendor whom i purchased the goods from. 

If Capital bank is not willing to reinstall/active my credit card, then in all fairness they should : a. Mail me check of {$2300.00} cash rewards as they earned full fees from the merchants that i purchased goods/services and they got paid by me in full before all the due dates.. b. Ensure that my credit rating is not affected in any manner I must have talked to Capital for 4-5 hours on 7-9 calls ( including XXXX supervisors ) since we encounterd the 1st problem. Also was surprised to come to know during one of the conversation with their supervisor that the XXXX conference calls which we did with XXXX XXXX to verify funds were not on record with Capital One despite they ( Capital One ) made immediate credit available!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a capital one customer since XX/XX/XXXX with my platinum credit card that i just paid on XX/XX/XXXX and my credit reflects a late payment and a balance which is already paid off in the sum {$260.00}. my credit report is negatively reflected even though i have proof from my bank that i made the payment and they accepted and my balance should be {$0.00} but sadly it does not reflect that. i am trying to apply for a mortgage and i am unable to get approved due to incorrect information reported on all XXXX credit reports. please fix error to reflect {$0.00} balance with Capital one credit card under my name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS
State: WA

Complaint narrative:
XXXX employees caused a dent into my car while parked with their crate cart and paid to get it repaired through their insurance company. They are now reporting it under my accidents and causing a huge difference in my premiums. This accident should have been reported under collision and it is affecting my insurance premiums for the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have been receiving harassing, threatening and XXXX threats telephone calls from Capital One Bank representatives in regards to a credit card account and debt of {$320.00} I do not owe. The account or debt do not belong to me. I have never applied for a Capital One Bank credit card. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX contacted me after I had my attorney deal with XXXX Client Capital One. There was an out of court settlement and the matter is confidential. Regardless there should have never been any form of communciation between XXXX XXXX or and any third party agency representing Capital One Bank. They ( Capital One XXXX XXXX was offered a ciece and desist during the confidential communications between my lawyer the collection agency client. The letter should have never been mailed. The debt should have never been sent to XXXX XXXX. I believe that this is a form of severe harassment as outlined in XXXX XXXX XXXX Fair Debt, Collections Practices Act. As XXXX has failed to respond to many written correspondence. I am informing your office amounf others and my acting attorney at the time for possible litigation against Capital One Bank and XXXX and XXXX XXXX. I am offering the company XXXX XXXX an out of court settlement of {$5000.00} make payable to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital One Credit Card company exaggerated and inflated interest rate. I opened this account since 2008 and closed a couple years ago and still at XXXX. The account has never decreased in interest rates and faithful pay the account. I have compared balances in order credit card companies like XXXX and Orchard Bank and they have been paid in 5 years with a similar high balance of {$1000.00}. I suspect this company is violating to inflate charges and fees so people can never get out of debt from Capital One Credit Card.Other companies like many banks will post your payment by midnight on the due date no by the hours set up by this credit card company that is a limit of XXXXeastern time or central time. I felt like I never going to be out of the debt from XXXX that has not go done for the last 7 years someone needs to audit this company inflated interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My credit score randomly dropped XXXX points after a dispute was resolved in MY favor for a credit account of mine. I called XXXX to inquire about why my score had dropped so drastically, only to be transferred at least 5 times and have each representative give me their " bogus '' version of what may have happened. FINALLY the last representative informed me that my credit card account ( whose dispute was just resolved ) was now showing up as a REAL ESTATE account instead of a CREDIT/CHARGE account. When I asked if the error could be fixed since was in the underwriting stage of getting a home, they refused and told me to take it up with the creditor. I am extremely upset and still filed the dispute with both XXXX and the creditor. I did not have this issue on any other credit report and now I am out of my dream house because of this inaccurate info that I STILL have n't heard anything back about. Simple and obvious errors SHOULD NOT take 60-90 days to correct and I am EXTREMELY dissatisfied with the customer service that was provided as the majority of the individuals that I spoke with on the phone lacked both knowledge about the reporting process itself as well as the ability to understand their customer 's concerns.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
To whom it concerns, I had a credit card with Capital One the balanced closed at {$1900.00} XXXX XXXX, XXXX .... XXXX XXXX XXXX. Picked up the debt. Affidavit of service served XXXX/XXXX/XXXX I did not get served this Affidavit. As a result a judgement was entered with out me knowing XXXX/XXXX/XXXX for {$3900.00} ... XXXX XXXX, XXXX {$2600.00} was stolen out of my account from XXXX XXXX XXXX. this account was for my VA Benefits from my military XXXX. Both the taking out of all my money from my account to the taking my VA Benefits money was wrong and illegal. Then they are saying i still owe {$1900.00} a total of {$4600.00}?? Last for over a year they did not report to the credit bureau 's XXXX that they had stole my VA benefit money/ which caused damage to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One is reporting in accurate and have deceptive practices causing me and my family severe financial hardships. Capital One sold the debt XXXX 2015. They no longer own the debt however in the past 3 months they have been removing the account from all three credit agencies XXXX, XXXX and XXXX then adding as a new account by changing the opened date from XXXX XXXX to XXXX XXXX. Doing this in XXXX every 2 days recently. And practicing this practice every month prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This company stated that I would not be charged anything if I turned the car in ... I advised them that I was having financial problems and wanted to know what I can do because I could not afford the payments any more ... .they said that I could turn the car in and it would be a voluntarily surrender. now they are saying that i owe them extra funds on the vehicle.I told them to knock on my door and I would give them the keys ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
MY ACCOUNT WAS BLOCK FOR USING THE WRONG ACCOUNT FOR MY CREDIT CARD FOR CAPITAL ONE NA I HAVE TRY TO WORK WITH THIS COMPANY SEVERAL TIMES DOING WHAT THEY HAVE ASK ME TO DO AND TO CALL THE OTHER BANK WITH THEM ON THE LINE AND EVERY SPECIALIST AND EVERY TIME I HAVE TRY TO MAKE PAYMENTS ON THE ACCOUNT CAPITAL ONE HAS REFUSE MY ACCOUNT. AND NOW HAS MY ACCOUNT OVER THE LIMITED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Admin Recovery, LLC
State: IL

Complaint narrative:
this number has continued to call me since i have received this number XX/XX/2015 ... they are looking for someone name XXXX ... on XXXX XXXX, 2015 at XXXX XXXX central time the number that states admin recovery at XXXX called asking to speak to this person, i advised the woman asking that she had the wrong number and not to contact my home again ... there soon after she called back on a toll free number at XXXX at XXXX stating " is that her, '' then not saying anything else ... i advised again that they had the wrong number and not to call back ... again on the XXXX XXXX, 2015 they called again from XXXX at XXXX i answered and no one spoke, i told them i was on the " do not call list, '' and that i would be putting in a complaint if they continued to call back ... XXXX, 2015 at XXXX they called back, i did not answer ... i figured answering the phone would help since i have beenreceiving annoying and harassing calls since the XX/XX/2015 with complete voicemails looking for someone i do not know and does not live here in my residents ... i would really appreciate if they did not continue to call ... thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
i received a letter from this company stating that i owe there client nationwide insurance a balance of {$230.00} i told them i did n't but i was still willing to post date a payment for the XX/XX/XXXX while i contact my insurance agent and got this squared away they said that even if i maid that secured payment arrangement they are still going to report me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX contacted me about being hired to build a download-to-own media site with billing. They seemed organized and capable, so I hired them. We began discussing the project. It took longer than the six weeks anticipated, but as of XX/XX/XXXX, they have been paid in full, having told me that all they had to do was enable the billing and my site would be up and running. Then I was told that there was an issue, but they would resolve it. I 've been strung along since then. For a while they stopped responding to emails, but finally did answer again. They said that my website would be XXXX done by Sunday, XX/XX/XXXX. The date came and went with no contact. Now I 'm trying to get a refund. Can you guys help me or point me in the right direction? Due to the time that has passed, the credit card processor, XXXX, says that they are unable to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 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: MO

Complaint narrative:
Capital one debt was included in my bankruptcy. I owned no property at that time 4 years later I own a house and they have attached a judgement lien on my property

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Other financial service — Debt settlement
Issue: Disclosures — 
Company: Brelvis Consulting, LLC
State: PA

Complaint narrative:
The Student Loan Help Center XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Ph : XXXX Fax : XXXX This company is claiming to consolidate my loans, a service that can be done for free, they also said that I could transfer my loans back to a provider of my choice at anytime. They are now going to charge me XXXX installments of {$260.00} for services they have not completed yet and that are at no cost through my regular provider. They have threatened that If I do not pay, it will be sent to collections. I have already paid XXXX installment of {$260.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I paid off my capital one credit card XXXX and it has been inactive since, I have charged {$0.00} to the card since payoff. The company assessed an annual membership fee of {$39.00} and I was charged +200 % in fees with negative credit reporting threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I went in to a motorcycle dealership to see if I could by a streetbike my credit was in the low XXXX, XXXX So I really was kind of taking a shot in the dark did n't think it would happen because at this point and Time I was unemployed and going to school and had school loans that were on my credit report.Whats so crazy is I walked out there, we 'll actually rode out of there on a brand new motorcycle that I thought I could afford once I graduated from XXXX XXXX and got a good job ( do n't get me started on that sham ) well come to find out that on the loan they put that I worked for who XXXX in order to push it through and make there sell.! Is there any thing that I can do to get this major XXXX up taken care of I had no idea that they XXXX on the loan application and would have never taken the bike if I knew what was going to happen with XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA-XXXX XXXX/XXXX/XXXXTo : Consumer Financial Protection BureauRE : Capital One Bank, USA Credit Card # XXXXI am member since XX/XX/XXXX and I keep my account good standing all the times.XXXX/XXXX/XXXX I requested credit line. My credit line request has been denied due to XXXX payment retuned credit card account. 
( Letter attached ) I will explain what happened payment has been returned. I have a Capital one Bank Checking accountA/C # XXXX I made a deposed {$570.00} on XXXX/XXXX/XXXX.Same day I process payment {$28.00} mycredit card account. Due to bank error before process the deposit, my credit card payment go thoughchecking account. That 's the reason my payment has been returned. 
XX/XX/XXXX to up-to-date this is the only XXXX payment has been returned. paid that amount following day using same my Capital one checking account. 
So I am so disappointed what they made the decision regarding my credit card Limit increase request. 
I Finally I spoken with card center named called XXXX on XXXX/XXXX/XXXX, she asked me to provide bank letters .I explain same bank and try to investigation my issue. But she dint help me. And she treated me so very badly. I feel like I have been discriminates against my race, national origin and gender. 
Finally I asked to transfer Card center supervisor and he also not provide and positive feedback. 
I need a fair resolution this issue as soon as possibleThanksXXXX XXXX

Company response to consumer: Closed with explanation