vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have a credit card with Capital One. I asked them to remove a " 30 day late '' pay as a show of goodwill towards me. I 've read articles that suggested to do this, and I 've seen other credit card companies do it. Capital One said that they could not remove the " 30 day late '' pursuant to the Fair Credit Reporting act. I understand that creditors are required to report accurate data ; but can they do customers a favor by removing a " 30 day late '' from the customer 's payment history?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have called and complained multiple times that this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitol One is unable to verify information listed on my credit file. I spoke to XXXX representatives at Capitol One and neither one was able to verify the information being reported by the XXXX CRA. On XXXX/XXXX/15 aprx XXXX. I called Capitol One at XXXX .Customer Service Rep XXXX Stated he was not able to verify any old statements or verify the date of first delinquency. On Monday XXXX/XXXX/15 a Customer service rep stated I would receive a return call from Capitol One to discuss the account the next day. I was not contacted by anyone from Captiol on

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I pulled my credit report to purchase a home last month. I never checked this prior to now as I was n't getting any loans. I found that XXXX was reporting a credit card I have never opened nor used. I have disputed the charge with XXXX of the reporting agencies twice now. On both occasions they reflect updated. I have yet not been provided with any proof that I in fact was the opener of the account. The only history is the total amount due and a few dates. There are discrepancies on each report in dates and payments. My lender suggested I offer to pay this fraudulent debt to have this negative account ( I have zero knowledge of ) removed from my credit reports. XXXX refused to accept a payment to satisfy the account while still refusing to provide any information to prove in fact that the account was opened by myself. When this account was open I was also the victim of bank fraud with my local XXXX. I had airline tickets purchased in my name without my consent. I never imagined someone would have been able to open a credit card as well. The TransUnion Report reflects that in XX/XX/2014 a payment of {$35.00} was made. All the other reports show zero payments. The TransUnion Report also shows last payment made XX/XX/2014. XXXX shows a contradiction with a date of XX/XX/2014. The XXXX Report shows account closes/charge off on XX/XX/2014 TransUnion Report shows date close/charge off on XX/XX/2014. XXXX has a duty to to give me a written response within 30 days to prove validity of account.

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 2017-01-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My second complaint. I have had several issues with XXXX XXXX. I was told that I could make more than one payment and the other payment would be for the next payment. I did that and XXXX XXXX refused to honor the payment. Causing fees and negative reporting to my credit bureau reports. If this is n't resolved my lawyer will contact XXXX XXXX and start legal proceedings in federal court. Please forward calls that were made so they can be listened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 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: OR

Complaint narrative:
I have sent them a letter to ask them to prove to me that I owe this debt and they wrote back they spoke with the debtor but did not send me any proof of I owe this debt They sent me nothing at all to prove I owed this amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Enclosed is a letter I Sent to CAPITAL ONE registered and certified, I am over the games, lies, and deception. This is one of many posts, I have lawyers looking at the paperwork and I have already gotten some positive feedback, I will be posting the CAPITAL ONE employees with media as well as the issues in hopes to help others that been deceived by this careless illegal entity. They committed FRAUD, EMBEZZLEMENT, DECEPTION, LIED, STOLE and that is just a start. Not to mention destroyed my credit, work life and tried to have me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am filing a complaint on Lexis Nexis because I have requested my risk file from them by mail on several occasions to see what is being reported about me because I continue to be denied for credit based on their information. They have not responded to my request at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XXXX XXXX, 2015 I sent via snail mail the Capital One Transaction Support Center the following signed letter : " Dear Capital One, Thank you for your update notice dated XXXX XXXX, 2015 regarding my dispute with XXXX XXXX billed on XXXX/XXXX/2015 for {$71.00}. Per your letter, I write to provide you with documentation ( email sent by the merchant XXXX XXXX, 2015 ) that substantiates that my subscription ( ID : XXXX ) was canceled, the request was processed, and no further charges should have been posted by the merchant. 
This enclosed email from the merchant is the only documentation I received from the merchant ; therefore, I thought everything was resolved. Clearly, the merchant from the beginning should not have applied a charge to my account. I 'm grateful that you credited my account when I initially contacted you, and once again respectfully request that you re-credit my account for {$71.00} because I have provided per your request substantial documentation to the contrary. '' On XXXX XXXX, 2015 I received a response notice from Capital One Transaction Support Center re : case number XXXX stating " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim because we can only request a credit from a merchant if we can document how the merchant violated an operating guideline. Unfortunately, based on the information we have, we 're unable to request a credit from the merchant. If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In a nut shell, I have made XXXX purchases with same merchant and had returned the product from XXXX transaction. When I got the bill, I did not recognize XXXX transaction ( {$67.00} ) and put a disputed it, Few days later I remember as a legitimate charge. I called the bank and told them to release the money. 
Since I had made a return with the same merchant, the merchant had issued a credit for that transaction. The actual disputed transaction has no relation to this credit. 
Since I disputed the transaction through the credit card, the credit card issued a credit, but when investigated, the credit card company ran into a credit that has nothing to do with the disputed transaction. This transaction has different times and reference number etc, the merchant took the position that since the merchant has issued a credit, even though a different amount, product, time, reference etc, the credit card company rebill be the credit as a charge on my account for {$67.00}. 
The credit card has not released the money to the merchant nor to the consumer but put it in their pocket where it does not belong. 
The money must be returned to merchant and given proof to consumer to follow up with merchant or return to the consumer. thanks I have called a few times but all invain.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Set up new personal account at Capital One 360 with {$500.00} cash. The agent did n't disclose that opening funds would be locked for 14 days. No access.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
About a couple of weeks ago I received a phone call from a collection company from XXXX. The lady was very nasty requiring a payment to settle a collection account. I ended the call, but I was curious about why someone called me to settle an account. I went to XXXX to investigate where the call came from and it is from XXXX XXXX XXXX from XXXX, NM. My concern is that she is part of stealing my identity. Then immediately I went to XXXX to verify my credit information. Sure enough, I found to credit cards that someone else opened using my information. I have no knowledge on either XXXX of these accounts. I called Capital One Bank and XXXX XXXX and one ca n't find an account under my name and the other one did not help me at all. The purpose of this complain is to clear my credit from both of these accounts. I am submitting an individual complaint to solve each of the fraudulent accounts from Capital One Bank and XXXX XXXX XXXX. I am a XXXX veteran and this is aggravating my mental and emotional well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit card was transferred to a collection agency a month after I filed bankruptcy. The payment was n't even 30 days late yet. 
And is now reflecting as a collection account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am in urgent need of your help in this matter. I had a job transfer that has created a hardship for my family. We tried to do a modification with no success. We have been working with a realtor and after several months we finally found a buyer. This is a great offer and it was submitted to Capital One 's short sale department on XX/XX/XXXX, Which we have proof of. The short sale department for Capital One is claiming that they did not receive it until XX/XX/XXXX and that was within 30 days of the foreclosure sale date and denied the short sale. 

We have worked so hard to find a buyer in this hard market and to now be told that we did n't make the deadline because Capital One 's short sale department did n't open what we sent them until XX/XX/XXXX is crushing. We are simply asking for them to postpone the foreclosure sale date for 30 days to allow the review of the short sale. 

I have XXXX boys and XXXX that is in XXXX. It is XXXX time and I do n't want my family to be tossed out of our home right at XXXX. We have lived in this home for over 12 years and have had our struggles like everyone else. We just want the opportunity to be able to at least do a short sale. We are trying to reach out to any upper management at Capital One for help but this is going on deaf ears!!! 
Please Help!! 
God Bless!!

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

Complaint narrative:
rec e mail my pymt was return from the bank, my cr union said that capt one never took the money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capitol One Credit Card Company refuses to honor my letter of credit to discharge the debt! Thus violating Public Law. The last supervisor that I spoke to in regards this matter was XXXX XXXX ID : XXXX in the Executive Resolution Department XXXX Pin : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had a car loan that started in XXXX XXXX and should have been paid off by XXXX XXXX. I had to extend XXXX car payments, XXXX for when I bought my house, understanding there would be interest and I would have to make the XXXX payments. This extended my payoff to XXXX XXXX, which I knew since I extended XXXX payments. I paid the last payment XXXX XXXX, XXXX and received a letter stating I still owe over {$1500.00} due to interest. I asked if they could work with me and wipesome of the interest off seeing the interest added up to more then the actual car payments that were deferred. after a few attempts I received {$200.00} off. I still did not find that acceptable, so I called the corporate office. I received a call back and spoke to a woman named XXXX, XXXX ext XXXX. She was willing to wipe the interest, but I would have to agree to the following terms. 1 ) They would report to credit bureau as settled and 2 ) I would need to pay taxes on it as they would send me a XXXX type thing. I paid every car payment and finally got my credit at a place where my interest on credit cards and car loans are through the roof. I was willing to pay some money but she said if they take any off it will be under the terms from above. She also said, since I did not want to damage my credit, that I would have 120 days to pay as long as a made a payment every month. After I spoke with her a few weeks later I received a letter stating that the payments might be considered late, missed etc and reported to credit bureau. I didnt realize when I gotthis car loan that it was more like a credit car opposed to a cr loan I am assuming by the interest that accrued besides what I already paid. I was hoping you can help me resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This debt is over 10 years old. They recently started garnishing my wages and I have n't received anything indicating this was in process so could n't do anything to prevent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One payments must be made by XXXX that day, otherwise it is considered late and their system will not post the payment until the next day. If my payment is due on a certain day of the month, I should have until XXXX to make my payment and not be penalized with a late charge.

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

Complaint narrative:
The following is a copy of the letter of complaint I sent. Several follow-up calls and escalations rendered no solution. They claim they have no evidence of my having applied for the interest-free card offer ( for a term ), and therefore wo n't correct their mistake of sending me a card with interest. 

XXXX XXXX, 2016 To Accounts Supervisor, I am contacting you to rectify a situation. I recently opened a credit card with Capital One, due to the offer of added miles with a purchase of $ XXXX within a time frame, and no-interest payments for over a year. I charged $ XXXX to my new card on XXXX/XXXX/16, and received the first email copied below, dated XXXX. For some reason, the link to " make a payment '' was n't working, but I made my {$100.00} payment the following month. I had also called to ask for the specific date on which my no-interest period ends, but I was put on hold for a very long period, and no one came back to answer my question. I called back another day to inquire again, and was told that I have no offer for no-interest payments! 

This floored me, and I am very disturbed and distressed about this situation! I specifically signed up for the card, because of the no-interest offer for a period of time, and I knew I 'd need this, because I was intending to use it for the very large purchase that I 'd anticipated. It is unacceptable that my terms are now with interest charged! I was told that perhaps I had accidentally selected the wrong card offer, but I do n't see how I could have done this! I hope that this is just an error on the part of Capital One, and not a bait-and-switch scheme, which is what it feels like. Once again, it is unsatisfactory that I am now being charged interest on my purchase! I never would have gotten this card with interest, knowing that I was about to make a $ XXXX purchase! I am escalating this to you, because I need this situation rectified, to where I have no interest for the term. Thank you for your immediate assistance. 
Regards, XXXX XXXX - close of letter - P.S. On a recorded conversation, a rep looked up the offers about the time of my application, and found that the " XXXX XXXX '' card had the offer I wanted, but they sent me the '' XXXX '' card, which does n't have an interest-free offer. They made the mistake of sending the wrong card, but said they ca n't change the card now. I contend that it is their mistake ; they must be accountable and give me a card with no-interest payments for the same term.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13 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:
Debt was already paid. Have n't heard anything back from collection company therefore concerned for my personal information and wrongful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Over the past several months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows I have a contractual obligation to pay Capital One. I have not received anything that I have requested and it is still listed on my credit report from all XXXX of the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In 2013, I had a XXXX Credit card with Capital One Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ballybunion Enterprises, Inc
State: KS

Complaint narrative:
The original contract only stated a fixed payment of {$56.00} on a financed amount of {$1100.00}. There was no interest rate indicated nor a installment end date ( my fault for not noticing ). I have been paying on said account for 11 months now and called in XX/XX/2017 to get the principle balance so I could pay it off and was advised it was {$940.00}. I then started asking questions as to how and she told me my interest rate was XXXX % however had no clear explanation as to how only {$150.00} of {$610.00} was applied to the actual principle balance with {$460.00} going to interest. The company can not justify where my money has been applied and has advised me they do n't have a detailed statement to send me showing the appropriation of my funds.

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 2015-05-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I responded to an offer for a credit card through Capital One, somehow they used my wife 's Soc Sec number instead of mine, the issue was that when I reported it, they suspended the card due to fraud.To resolve it, all I needed to upload a few documents documents to their site to remove the restriction, I had no problem with that and complied on or around XXXX XXXX, 2015. I have called XXXX times spending over an hour to try to resolve the issue and was promised issue would be resolved within a couple of days. I really have no use for the card and have a XXXX balance. My real complaint is that in order to cancel the card, the suspension needs to be removed, all I have to do is call them again and spend another hour to see if they can remove the suspension. I will probably do that, but I feel that this type of service needs to be reported. I still have not been told how my wife 's social security appears on the account, instead of mine. I can understand putting a hold while it gets resolved but I ca n't stand the type of service that keeps telling you to call a specialist who is on XXXX/XXXX, spend an hour on the phone with that person, and getting nothing done.

Company response to consumer: Closed with explanation