vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A fraudulent account has been opened in my name, and I need them removed from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Went overseas XX/XX/XXXX taking only XXXX credit card : Capital One. I went out of my way to research the best card for travel, especially in terms of rental car insurance and other travel benefits. At some point after being in XXXX I received email that they were sending me another card as they were updating to chip cards. I called and to tell them ( although they already had notice I was overseas ) that I was not at that address and could they send overseas ; I was then at a hotel in XXXX XXXX, XXXX. They said they could send overseas by regular mail. I told them that was not a safe, smart or responsible thing to do and that by the time it arrived ( if it ever arrived ) I would probably not be there. I pleaded to send via XXXX at my cost. The said they would not. Of course I never received the card. I called their customer service several times to say I had not received the card. I was assured my card was still good " till XX/XX/2016 ''. I went into hospital when in XXXX and card was declined. Hospital would not complete treatment until card is approved. Spent over an hour on the phone with them at hospital and finally got payment approved. XX/XX/XXXX I was able to return to US. Before leaving XXXX called Capital One to verify that card would still be honored -- I needed it to rent a car once in US etc etc and again, it was my only credit card. I was assured the card would be honored -- this time I was told it would be honored indefinitely not just till XX/XX/XXXX. Landed at XXXX, took shuttle to XXXX XXXX where I had a reservation and card is declined! Called customer service and they said I should be using my chip card! I explained why I did not have a chip card and explained the assurance I was given before leaving for the US. Agent was able to verify I was given erroneous information by their agent. I asked what they can do to help me, ( esp. as I was in this dilemma due to their errors ) and that I was stranded at XXXX. Even after much pleading, trying to reason with them, they said there was nothing they would do. I ended up getting XXXX to accept a Visa debit card I was also carrying. Just before dropping off car in XXXX I accidentally scraped the rear door and punctured a tire with a rock bordering a parking lot. Only then I realized although I had put it on a Visa card, I had no rental car insurance. If I would have not been given erroneous information by Capital One, or if they had sent me the card overseas as I pleaded, I would not be in this problem. As it is I am waiting for XXXX XXXX to tell me how much I owe them. I imagine it will at least be several hundred dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-13 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
There is illicit financial flow. I suspect hidden transaction. Fraudsters advanced. I am still there. That is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i applied for a small business loan they deposited stolen checks into my personal account. Thus causing my checking account to overdraft. Both checks came from different institutes and were invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Since 2014, fake companies have been taking money from my account. It 's always been small amounts, approx XXXX-XXXX each time and about twice a month. I went to my bank branch and filed the claims for. XXXX checks, was reimbursed right away for XXXX checks ( within 90 days from when I filed ) and now the bank is saying they are n't giving me the balance of those checks. The way I realized this was when my account was over drafted when they took the money outs. None of these checks are signed by me, they are all singed. By my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 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: FL

Complaint narrative:
On XX/XX/XXXX I went online to review my credit report. I noticed an account from Credit Collection Services located in for a {$240.00} Insurance bill. I did not recognize this account so I sent a letter to the agency requesting validation of this debt. I specifically asked for proof bearing my signature as I have been subject to identity theft in the past while away in the military. 

Credit Collection Services signed for the account on XX/XX/XXXX and immediately responded by sending me a bill with an address that I never lived nor do I recognize. 

I asked for documents showing proof of my signature that I actually opened an account for insurance with XXXX. I have only ever used XXXX insurance companies, XXXX and XXXX. 

This account is having a negative impact on my credit score. I have been turned down for loans because of this account. 

A bill is not proof that I owe this debt as anyone can gain access to my SS # and get bills in my name. 

Since I have sent this letter requesting the account to be validated or deleted, Credit Collection Services decided to place this on my XXXX credit report and my score took a tremendous hit. 

I will pursue this to the fullest extent of the law and even take actions to have a class action lawsuit file as I know a few people who have experienced the same issue with Credit Collection Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one is showing that I have or had a Capital one card. I have never had a Capital one account or card. When I contacted Capital one they had no record of my SS # or account #. I really need this taken off my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have an issue with payments being issued to the account properly. On occasions representatives have keyed in incorrect account numbers as well as payment being made to Capital One directly to the branch offices and incorrect credited to the account. During several occasions I have asked for the payment investigation dept and was sent to the incorrect dept 's with rep 's out of my country while I was specifically as for someone in my own country as I have experienced issues with rep 's from outside USA have contributed to alot of these errors. On XXXX XXXX, 2015 I was to have a call scheduled to contact the institutions that were the issuer of the payments, XXXX came and passed and no one contacted so approx at XXXX I reached out to the credit card company Capital One only to be placed on an extensive hold with gaining no resolution ; I was sent to foreign countries with hold 's and disconnected. At approx XXXX I reached out to Capital One to try and get someone within the dept ; whom the day prior stated she would note and have a call back at XXXX on XXXX XXXX, 2015 which never happened at XXXX when I reached out to the executive office and spoke with XXXX whom did n't see notes of a scheduled and was very rude thus getting no help from anyone at Capital One to reach out to the branch within their own institutions or the outside bank that was involved, at this time the account remains inactive. Also I not being the primary but retains POA which is noted on the account but at times the reps state they can not find and to make matters more detailed at this time the creditor is requesting documents of the primary such as ID Social Security as well as utility, documents will be provided and I stated to the rep during the last call that documents will be provided but payments will be ceased and none will be continued until resolution is made. Please note that on a separate occasion when there was an issue with the remitting institution and I permitted and allowed a 3-way call with myself validating the account and allowing Capital One fraud department to ask any necessary questions they had.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Bank USA has listed XXXX negative remarks on my credit report on XXXX supposedly separate credit cards showing 5 or more missed payments. All XXXX are showing closed from 2011. Capital One Bank USA continue to update this on my report to extend the time to stay on my report. This is a violation under the ( FCRA ) And under the Consumer Protection Act in the State of North Carolina. 

This negative information being reported has caused me to suffer on the condition of thousands of extra dollars in interest on several loans. I have also suffered stress and undue hardship concerning this matter. 

Capital One Bank USA has being sued in the past for such violations under Federal and State Laws, but this does n't seem to prevent them from further violations against Consumers of the United States. Capital One Bank USA pays the Credit Reporting Bureaus to use there reporting servers to violate laws online electronically. 

It 's possible they violating laws listed under ( RICO ) I ask the CFPB to investigate and demand Capital One Bank USA to stop any illegal practices and to abide by the laws on the books for such, also remove such negative information, refund me monies owed for damages that pertains extra interest I am being charged due to the negative information that they upgrade on a regular basis for the purpose of causing further stress and undue hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
We were told we were XXXX days late on a payment to this card ( Capital One ). We thought we payed it off in XXXX 2016 with a payment of over {$3000.00}. We have never been late before. Evidently there were re-occuring charges that we did not know about. XXXX XXXX about {$25.00} per month. We have cancelled that. We talked to a Capital One agent in XXXX about this bill we were getting. He told us that everything would be OK, he would take care of it. Obviously he did n't and now we owed this late amount. My wife in disgust paid the {$190.00} on XXXX XXXX, 2016 just to clear our name. But they say that there is nothing they can do to restore her credit rating of over XXXX since it is over XXXX days late. We are trying to refinance. 
Obviously these big companies could care less about us little guys. They just do n't believe us. Also, we never received any paper statement about this bill. Our refinance guy found out about this. My wife 's score dropped over XXXX points. All we want is her credit rating restored. We did not do this on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The bank sent me a solicitation to open new checking account that would issue a {$200.00} bonus after compliance with several steps. The exclusion listed in XXXX XXXX XXXX was listed as it has to be available only to new customers including holders of the so-called XXXX XXXX accounts. The offer pertains to ING online bank products which CapitalOne acquired several years earlier. The listing pertains only to XXXX XXXX accounts and it does n't mention INC XXXX accounts. When I contacted the bank supervisor about this I was told that my name was on the list although I admitted that I do not qualify for the offer extended to me. He then reaffirm his position that I should apply for the account anyway and that the bank will make an exception to its restriction on case by case basis. When I requested that email be sent to that effect, reaffirming this position, he refused to do so. 
Questions : 1 ) Why Capital One sends offers to people stating that they were pre-selected for the offer while in the same time knowing well they do n't qualify for it? 
2 ) Why the XXXX do not clearly state that ING XXXX accounts held prior are the disqualifying factors putting instead the " XXXX XXXX & gt ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
About 3 years ago, I started receiving credit card statements for a credit card from First Niagara Bank, XXXX. To be clear, I have never opened an account with, or done business with First Niagara Bank. They took over the former XXXX branches in our area. I used to have accounts with XXXX, but closed all of them out before First Niagara took over. When I tried to call about this mysterious credit card in my name, I could n't get information because my credit card # on the account is all " X 's '' except the last XXXX numbers ( XXXX XXXX XXXX XXXX ). I do n't even know if this is a XXXX or XXXX - but I was charged an annual fee & interest. I finally spoke to a local branch about this. Nobody could tell me how I came to have this credit card acct with no actual number or application attached to it. I told them to close it immediately. They said they would - and they did ... EXCEPT ... I then ended up with a XXXX cent credit, which kept the account alive. I have tried several times to get them to close this account and send me a check for the XXXX cents, or keep the XXXX cents. I do n't care which. That has never happened & it has been a few years now. I 'm still receiving the statements. More importantly, I recently noticed that this " account '' is showing up as a negative on my credit report. It is actually the ONLY negative on my credit report - and it says " pays as agreed '' next to it ( as if I have made some kind of payment agreement with First Niagara ) - when actually they owe ME XXXX cents - not to mention the fraud they have been committing against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
In XXXX, my ex-wife opened a Capital One credit card as a joint account wherein I had no information. She has defaulted on this account and Capitol One has been placing negative information on my report even though I have never received information in the mail or otherwise over these 20+ years. It was in the summer of XXXX when I was brought in on the program with Capitol One in which they state I owe the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery has been calling my work several times a week since I cleared my credit report of false reports and debts with a company called XXXX XXXX XXXX. They sent a notice stating that I owed them- Portfolio Recovery- a sum of over {$17000.00}. This is false. The agent that I spoke to said that this is an old credit card debt that has passed the statute of limitations and can not be sued for. The agent would not listen to me stating that I do not owe them this money, the debt is not mine, to stop calling me and cease all communications. He continued to interrogate me with personal and financial questions, I refused to continue answering him beyond my name, address and birthdate. He kept trying to prevent me from speaking, talked over me and I demanded mail me proof that it was my debt and that I did owe his company so that I may give it to my attorney because I do not. I get approximately 2-3 calls a day at work and the mail is also delivered to my office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I never applied for a credit card from Capital One GM Card yet one arrived in the mail with a $ XXXX credit limit. I do not want unsolicited credit cards ... ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
As of XXXX/XXXX/15, Capital One Bank issued a XXXX ( Cancellation of Debt ) to me for an old credit card account that they had charged off. I claimed this income on my 2015 XXXX and paid taxes on the amount. However, Capital One continues to report a balance owed on that account as well as actively reporting the account. I have requested of them to update this information and not only have they claimed the amount is correct, they have now entered a dispute status on my credit report for something that is THEIR error. I have attached a copy of my credit report showing the balance still reporting, my letter to Capital One asking them to update my account, a copy of the XXXX clearly showing the account number and a copy of the response letter that I received from Capital One. I am not disputing the validity of the account from the past but do not feel that they have the right to continue to punish me and destroy my credit for something that I have paid income taxes on and they have written off as bad debt. They are still attempting to collect on this debt which I am refusing to pay because I have already had to pay taxes on this amount for income, why would I pay them as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Conduent Incorporated
State: FL

Complaint narrative:
I noticed the balance on my account was less than I expected and inspected my statement online to learn that XXXX fraudulent charges occurred on my account. The charges were dated XX/XX/2016 and I reported this to my Debit card provider on XX/XX/2016. A few months later I was notified that the claim was closed due to me not sending back documentation about the claim that they mailed me. I never received what they sail was mailed. I contacted them again to re-open the claim and I sent the documentation they were missing to complete processing my claim. I received a denial because they are saying the documentation was received outside of the 60 day window to report a claim. The claim was initially reported 5 days after the fraud occurred! This was also a well know and highly publicized breech that occurred with XXXX in New York! I feel like they are giving me the run around to keep my money which is child support for my children. Please make them give me a refund immediately. 
Thank you for any assistance you may be able to provide.

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 monetary relief
Consumer complaint received 2016-03-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Again CapitalOne has failed in properly handling a dispute ( had issues with them in the past and they seem simply ill-equipped to deal with disputes ). We filed a dispute and then I provided all the information they asked, then we even attempted to contact them to ensure they received the information and no response. Then the other day got a notice that they never received the information so they closed the case ... Why do consumers have to be subjected to such incompetence when these companies make a fortune on the backs of consumers and businesses!?!?!?! 

I 'm attaching a copy of the information provided via a response to their email which I know they have received information at that address in the past and then also attaching our communication asking if they received the information and can see there was no response and their previous message was that at that one point they had all the information needed ... Note that on the email there are various attachments as i was very thorough in providing every bit of information that I have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have XXXX companies, Credit Collections based out XXXX, MA and CCS Collections both attempting to collect the same amount of {$140.00} that I originally owed XXXX. Both reports are showing on my Credit Report, though it is only a single amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Have contacted Capital One Bank about getting a letter stating the account under XXXX appearing on my XXXX report. Those not appear in there record under my name and social. they also refusing to go on XXXX way with XXXX to clear this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid off my cap one business debt in 2009 account # XXXX. Today the debt is still reporting through my credit report with XXXX in the amount of {$2000.00}. I have sent them a letter to update the debt but have not heard back as of yet.

Company response to consumer: Closed with non-monetary relief