vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I constantly get fraudulent credit cards from Capitol One. They make no effort to check to see if it is a legitimate application. They just send it XXXX to my home where anyone can get the card and use it. I have told them to take me and my wife off their list and they refuse. They have no right to jeopardize my savings and credit this way. They are clearly not legitimate and cause damage to consumers. They need to be forced to do some due diligence before sending these credit cards!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I just lost my job and now I have time and wanted to consolidate my bills, call the credit card companies and set up payment plans. I called this number XXXX on XXXX/XXXX/16 at XXXX. A man answered me and asked for an account number which I could not give. He said something about it had to be transferred to customer service, then there was dead air. I said 'hello ', 'hello ' and no one answered, I got nervous so I hung up. I did not bother calling back. I did call CFPB as I wanted to make sure that what I was doing was right. I spoke to a very kind lady who gave me good advise and gave me a number to non-profit financial advisors should I wish to seek advise/guidance. 

At around XXXX, and my aunt sent me a message asking me to give her a call once I got to Pa. 

I called my aunt once I was in Pa and she told me that there was a court summons, the neighbor called my uncle because the neighbor did not want to sign the court summons addressed to me. 

I guess someone signed for it as my Aunt had the copy of the summons. I feel that my privacy was violated. It seemed fishy to me that I gave them a call, someone answered, there was dead air and suddenly someone showed up with a court summons dated XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
At the urging of a store clerk at the XXXX XXXX Kohl 's, I opened a Kohl 's charge account in order to save extra money on a purchase. I purchased something in XXXX 2015, but never received any bill. In XXXX XXXX, 2015 Kohls ' called and said I was late with my payment. I immediately payed the bill with them over the phone and asked if there would be any adverse impact on my credit report. They said there would not be, but they apparently reported the overdue balance to the credit bureaus a day or two prior to calling me,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone open KOHLS credit card under my name for {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received paperwork stating that a lawsuit is going to be filed against me for a debt that I do owe on. The cover letter from the company states I need to contact them to resolve the situation more amicably. I did send an email with the draft of a settlement letter, and I will follow up by sending the letter via certified mail. I want to pay the debt ; this is one of the last ones I need to resolve. This letter is dated a few weeks after I received the first debt validation letter. 

I believe the company is using this as an intimidation tactic to collect money for the creditors it 's representing. I am willing to work with the company to resolve the debt, but I do feel that in this instance they 're in violation of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 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: TX

Complaint narrative:
Capital 1 approved my application for a credit card, but wanted {$99.00} down. I gave them {$100.00}. I used the money and then I would put it back. After a couple of months, I decided I wanted to raise my deposit to {$200.00}. I put {$200.00} on the card and used it, then after the reminders to put more money on the card, I told them I did n't want the card anymore and I closed the account with a XXXX balance. 
Now I am being harassed XXXX times per day, EVERY single day including Sundays. They do n't care if it 's early in the morning or late at night. They call, and call and call. 
I tried to settle this out with several reps, but they all say the same thing. I have to give them money. Why? It was my deposit and if I choose not to use their card, and I no longer want the card, why are they forcing me to keep this card and saying I owe them? My account was at a XXXX balance when I closed the account. 
I recently received an invoice that says '' your acct has been suspended ''. What 's up with that? I CLOSED my account and nobody seems to want to hear me. I do n't want the card. I decided that I did n't want this pre-paid credit card, and now they are taking me through a lot of aggravation, especially the non-stop calls, after I told them I am not going to pay another cent, I cut up the card, and want them to stop calling me. This is MY deposit they want, and I have the right to not put another deposit down if I do n't want the card, right?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Filed a complaint with Capitol one credit card company requesting that they investigate credit card fraud. My information was stolen and used without my permission. And pursuant to the request that they cease in reporting it as a delinquant issue on my credit report. I recieved an answer that they verified that it was my card, however that wasnt the complaint the complaint was that it was used fraudulantly. They refuse to close and remove the negative information from my credit report. I work for the DOJ and I am a Military VET this is hurting my ability to advance my career and also buy a home for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I authorized a payment from my CapitalOne 360 checking account to my CapitalOne credit card on XXXX/XXXX/16 in the amount of {$200.00}. The credit card processed this payment on XXXX/XXXX/16 and then attempted to take the payment out again on XXXX/XXXX/16, resulting in a notice of insufficient funds. I had not authorized this second payment and can not get an answer from the company as to why they attempted to take money from my checking account twice. 
In addition, this credit card company imposed a 17.9 % interest rate on my card without notification. This rate is much higher than what was projected when I signed up for this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a secured card from capital one bank and when I signed up it had an annual fee attached to it. Now on the capital one website it says there is no annual fee for the secured card that I have. They are still charging me an annual fee even though they no longer do for that card according to their website. They would n't budge on the issue when I called even though they 're offering the no annual fee on new cards. I am being overcharged for the service that they now provide with no fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am unable to actually pay my bill, or my balance on the card that I have with Capital One. I got this card XX/XX/XXXX, and I have had several issues regarding Customer Service. As well as with the Fraud Department. I have verified everything I have ever needed to verify. As well as went back and forth between the corporate people at Capital One, and the Fraud Department. I have had to stop payments from going through to their company, because they absolutely refuse to offer a solution for this issue, or any of the other MAJOR issues I have had with this company. I can no longer speak to the corporate office, because they tell me my issue is a, " Fraud Issue ''. This situation has been going on for months, with no end in sight. My account is currently restricted, and the reason/reasons it is currently restricted ( even though proof has been given, as well as many phone calls have been made by my bank to this company ) they are not willing to budge in any way. Even after doing what was asked. I am always told a different story, and I am always connected from corporate to the Fraud Department. I have had nothing but issues with this company, and this card since I opened it. I get plenty of notifications that my bill is due, but why pay the bill when Capital One does n't even know what they are doing? As well as moving me back and forth between rude, and disrespectful people. They have caused nothing but hurdles for me. With NO-WAY to take care of these issues. All I end up with after I have spent almost 2-3 hours on the phone with these people is a pathetic apology. I need to speak with someone that can handle these issues without me being transferred all over the place. I refuse to speak to any more rude/disrespectful Customer Service OR Fraud Department people at Capital One. The past few conversations I have had with Capital One I have had people laugh at me in a mean way. I 've also had people yell at me, along with insult me. I have made several attempts, ( So has my bank ) to clear these issues up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
This will be my second complaint about Planet Home Lending, they can not seem to process payments correctly. After my loan was purchased from my original lender, extra payments were not applied to the principal they were put in a " hold '' account until a full payment was reached, then applied, after numerous calls with no results, I filed a complaint with the CFPB, # XXXX, that seemed to have solved the extra principal payment problem.Now after making my regular mortgage payment for XX/XX/XXXX, by chance i logged on to my bank account todayXX/XX/2016 to find that the payments were returned to my account. After calling the lending company they informed me that they changed there billing system and my payment was kicked back? They never notified me that there was a problem with the payment, if i would n't have checked my bank account my payment would have been late. They did accept my payments and wave any fees involved with paying over the phone. But for a company to change THERE billing system and not notify the customer that something may be wrong because of a change THEY made is ridiculous. The CSR told me they notified my bank, well that 's nice but I am the customer, not my bank. Through my dealings with this company I see them nothing more as a shady operator trying to make money on late fees caused by THEM and interest on extra principal payments not applied to the account until a full payment is reached, as in my first complaint about them.

Company response to consumer: Closed
Consumer complaint received 2016-07-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife applied online for a credit card from Capital One and was approved. She has XXXX other Capital One Card and I have XXXX, that we have used for several years. The personal information provided for this new card is the same as the information on file for those other cards. When we received the new cards in the mail I went online to activate them but was told the cards had been restricted and I needed to call XXXX. I called the number and was transferred to the Fraud department. The agent I spoke to said there was suspected fraudulent activity and my wife needed to provide some information. My wife got on the phone and answered all of the questions asked, confirming that there was no fraudulent activity associated with this new card. The Capital One agent then told my wife that to lift the restriction she would need to send them her Drivers license, Social Security Card, and Birth Certificate. My wife refused and handed the phone back to me. The agent repeated the demand to me, at which point I told her that was never going to happen, this was way more trouble than it was worth, and to just shut the card down. The agent then told me " the card will remain open and restricted, and we will negatively impact your wife 's credit score until you provide those documents ''. At that point I ended the call. The three documents Capital One 's fraud department is asking us to provide are the three best documents someone would love to get a hold of to steal an identity. Their fraud department is asking us to put our identity at risk. Threatening my wife 's credit score if we do n't provide the requested documents is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MiraMed Revenue Group LLC
State: IL

Complaint narrative:
To whom it may concern : In a recent evaluation of my credit on XXXX/XXXX/XXXX, it has come to my attention that XXXX XXXX XXXX XXXX negative reports were filed on my report. According to the reports I have reviewed, the reports were filed in XXXX by a " XXXX '' on behalf of " XXXX XXXX XXXX '' and a collection agency " MIRAMED REVENUE GROUP '' on behalf of a " XXXX ''. In further research of the alleged collections, XXXX XXXX has numerous complaints of other false collections under investigation. Miramed Revenue Group appears to have mistakenly filed the same collection twice which has further damaged my credit unnecessarily and also reported inconsistent reports with different agencies bringing their entire credibility as an accurate reporting entity into question. 
Finally, it is my assertion that XXXX agencies ( and therefore all the negative reports ) are completely fabricated, fraudulent, or otherwise false. Whatever the case may be, rest assured that I in no way agreed to or had knowledge of either Miramed Revenue Group OR XXXX XXXX XXXX, XXXX or XXXX. 
These collections were all filed without my knowledge and devoid of any warning from any of the above entities. I have, by certified mail, notified Each of the above collection agencies, all XXXX credit, submitted an official complaint with the Consumer Financial Protection Bureau in hopes of immediate resolve. I am also notifying the office of XXXX XXXX, the United States Treasurer and the Illinois XXXX in hopes of further oversight in debt collection practices. 
I am not alone in what appears to be a growing list of victims in my community and in across the country and I demand these records be completely removed so I can benefit from the advantages I deserve as someone who made the decision to never utilize their credit at all. I am simply attempting to start the process to own my own home and these, false reports stand in my way of that human need. 
I am looking forward to your response!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX, XXXX To whom it may concern, On XXXX/XXXX/XXXX we received a debt collection letter from Credit Collection Services, however ; the debt was paid on XXXX/XXXX/XXXX. The debt was paid to XXXX, also known as XXXX ( according to XXXX ). In XXXX of XXXX I called XXXX at XXXX and made a payment for account # XXXX with a XXXX credit card ( see attached statement ). The account was previously handled by a company called XXXX XXXX. In XXXX on XX/XX/XXXX I received another collections notice from XXXX and I called and spoke to XXXX on XXXX/XXXX/XXXX, she assured me everything was taken care of and to disregard the notice, confirmation # XXXX. As mentioned at the beginning of this letter, in XXXX of XXXX my husband received a collections letter from Credit Collection Services for the exact same amount and file number and he paid the outstanding balance AGAIN, because I was not home and he thought the charge was legitimate. I would like the letters to stop and I want to make sure CCS refunds my husband 's XXXX XXXX Credit Card immediately. The charge is for services rendered in XXXX of XXXX by XXXX XXXX, therefore ; there are no other outstanding bills because these are the only services rendered on such date ( see attached claim ). We hope this gets settled ASAP. 


XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I Contacted Capital One, Account number ****************. The account had fallen delinquent due to job loss. On XX/XX/2015, I offered to pay off the account for less than full balance. Capital One offered an amount of {$2000.00} as a settlement amount. I agreed and paid same in XXXX installments of {$340.00} and {$1700.00}. Final payment on XXXX/XXXX/2015. Capital One has failed to contact/report these payments to the credit bureaus with arrogance. They now say it is settled but the remaining balance is still reflected on the reports, with no reporting of the agreement or my payments reflected accordingly. Capital One says now, give us the remaining balance of {$880.00} and we 'll take it off. That was not the agreement. Capital One is using deceptive/fraudulent business practices with not only me, but I am sure millions of others. Why would I give these people anymore money at this point? Please investigate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One has been settled through XXXX on my behalf and is being paid but not reflecting this on credit report, balance has not been reflected, still showing as chargeoff/collection account. The balance is incorrect. and should say paying as agreed, as it is not with a collection agency it is still with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A letter of dispute was initiated Capital One regarding a debt that was paid in full. The letter failed to generate a response in the 10 day window in order to get inaccurate information removed from the credit bureaus that were reported by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The below disputed charge from XXXX was rebilled to mystatement. 
Can you please let me know why this disputed charge hasbeen rebilled again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, 2016 Capital One denied my application for a credit card because " Based on your application information, there is legal action pending against the applicant '' However they fail to disclose what the source of that information is and they did not obtain my credit report during the application process. On XXXX XXXX, 2016 I wrote a letter to Capital One requesting further information. I believe Capital One 's failure to disclose the source of this " legal action pending '' is a violation of the Fair Credit Reporting Act Section 615 ( a ) or Section 615 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have a credit card with Capital One. it has a small balance and the {$26.00} minimum payment was due XXXX. On XXXX/XXXX/17, I made a payment for {$26.00} online, but it was erroneously from a bank account I had closed, that was still listed on Capital One 's site. I did n't realize this. I then made what I thought was an extra payment for {$26.00} on XXXX, from my Cap one bank account online. When on the credit card 's site, I can choose the bank account to pay the payment from. I have a Cap One checking and savings account, and it said the available balance was {$37.00} on XXXX account, and {$46.00} on the other. So either account should be able to handle a {$26.00} payment. 

As it turns out, this payment was rejected too, saying insufficient funds. After realizing this I called and Cap one said that they were holding the last {$15.00} deposit for verification from my bank, XXXX Bank. Which I understand -- but that should n't be listed in the available balance then and it is with Capital One when I am trying to pay the credit card online. This is grossly misleading at best, and just plain fraudulent in my opinion. Available balance is supposed to be the funds that are available, not that ones that will be available. So, with that payment being returned, I was n't aware and after thinking I was paying extra for the month, the payment for this month was n't made on time at all and I incurred a late fee and possible late on my credit report. Capital One has removed the late fee but say they ca n't say how the account will report. When I look at the payment history for the credit card, it shows payments of {$26.00} made on XXXX and XXXX. NOWHERE on that transaction history does it state those payments were returned or reversed. So this is false, as well as the available balance on the checking and savings. I believe it they are providing misleading and false information that is a detriment to my credit history and financial status. There is no transparency with my finances that are with Capital One and this has been a negative experience that could potentially be repeated since they do n't report their own accounts accurately or in detail. I don ' feel this is fair practice and am considering consulting a lawyer.

Company response to consumer: Closed with explanation