vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A true personal story : I was a Capital One cardholder for some time and I paid my bills in a timely manner. Then my Capital One account got hacked and someone ordered a card to a different address and was making purchases with my card and paying with my bank account that was pegged to my capital one credit card account. 

I called capital one and they were very callous about it and they told me to just change my password and they will send me out new cards. 

Lo and behold a couple of weeks does n't go by and I notice charges appearing that were n't mine. So after investigating I realized that this same hacker must have hacked again and ordered a new card and was spending once again. Oh you bet he did but this time he got smart and attached someone else 's bank account to the account ( a XXXX XXXX XXXX account ) and was paying for the purchases with this party 's bank account. This " hacker '' also started withdrawing money from ATM machines all over NY. 

I called capital one and again they were not forthcoming even blaming me, like it was my fault! Instead of commencing an investigation as to how my account was being hacked, they just told me to change my password and sent out new cards. 

I also spoke to the fraud department dozens of times ( each time took 30+ minutes ) and told them to please make sure my account is credited for all the unauthorized ATM withdrawals and charges. 

Capital NEVER credited me those charges. I never ever experienced more horrific customer service then my 6 month misery with capital one. They only wanted to sweep it under a rug that they were hacked. 
Capital NEVER credited me those charges. So I refused to pay my bill. I told them I will pay when they remove those charges. So they gave me the run around and sent me to other " departments '' but never ended up crediting those charges. 

I refused to pay and this went to superior court and I was n't going to start paying lawyers and never challenged it and lost by not showing up. 

Capital One has garnished money from my account on XXXX separate occasions also incurring me overdraft charges and bounced checks because I never got a heads up when the money was going to be withdrawn. 

But those were the least of my problems. 
The guy who hacked in managed to get all my info and so began my fun 2 years of identity theft. 
I have detailed very quickly a very unenjoyable episode to say the least. It has cost me so much time, money and effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: LEXISNEXIS
State: CA

Complaint narrative:
My husband and I have auto insurance coverage with XXXX for over a year. Today I received a notification from XXXX stating my husband can no longer be under the insurance because of a recent information received by LexisNexis Consumer Center. The information received was XXXX happened XX/XX/XXXX and removed by judge in court on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a Capital One Bank Account for several years. I opened a standard checking account for my military direct deposit. Two years after opening the account I got XXXX to XXXX from XXXX to XXXX. While overseas I had my direct deposit changed from my Capital One account to a more interest earning account with a different financial institution. I left my capital one account still open with a balance of {$1600.00}. Several months after returning from overseas I discovered that my account information was compromised somehow and over drafted - {$570.00} and closed. I attempted to notify the bank that there had been fraudulent transactions that took place and they stated my card was used and transactions brought my balance to - {$70.00}. The other {$500.00} was overdraft fees. They then refused to commit a proper investigation because i was too late to report. I notified capital one that I was overseas and had all paperwork INCLUDING my military orders that sent me to XXXX while transactions from multiple states in the US were taking place but they seemed to not understand to the military community. They have since then ruined my XXXX record and as a result am unable to open a bank account with any bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
There was an account opened from Capital One back in XXXX that I disputed from identity theft. Capital One closed the account on XXXX. In XXXX, I started receiving calls from " XXXX '' and all came from XXXX XXXX asking that the debt was mine because they can show statements where there were purchases made and making payments. 

I asked them to validate the debt and send me a contract signed by me from original creditor showing that I own the account and I opened it myself. They provided again XXXX statements from Capital One showing charges from XXXX and XXXX. 

They are also referring that the account is {$1600.00} but yet they sent me a statement showing the balance on the account was {$490.00}. Regardless, I told them that they need to contact original creditor to get all their paperworks on this case. 

They continued to report the account to all credit bureaus without giving enough evidence of the ownership on the account. I have been trying to close this with this agency since the beginning of this year. They repeatedly pull my credit report ( soft inquiries ) almost every day. 

I really need help with this harassment. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I recently contacted Capital One for a 2 month extension until I can find another job since I was laid-off on XXXX/XXXX/16. I have filed for unemployment, which is not even half of what I was getting paid before, and unemployment will not kick in until the next few weeks. I was told that I could not be granted an extension. This is a SCRA account and I am a good paying and long term customer that needs some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: TN

Complaint narrative:
Collection Company sends me repeated mail and asking me to pay debt which was canceled by original creditor. This Debt was regards to move out disposition from one of the apartment I lived in past. Either of collection agency or original creditor ready to resolve the dispute ( s ) i raised against reported debt. Also there were many errors and false claims on the debt. 
Even after repeated request to collection agency, they could n't produce bills or any supporting document for their stand on this debt ( except the disposition letter sent by original collector ) .Recently the original creditor confirmed that they cancelled all my debt. But collection agency refused to stop contacting me for the debt which i do n't owe as of now, they are negotiating with me to pay some amount which is 40-50 % of debt without any reason. It was also reported to my credit report that impacts my standing negatively. 
I disputed on my credit report to credit bureaus, but none of them helps and I was told to agree with negotiation by one of credit bureau and have n't got any responses from other credit bureaus on this matter. My original creditor refused to send me any confirmation on the cancelation as there were management changes on their side. 
I was deeply disappointed with way this matter was handled by credit bureaus, collection agency and my original creditor. I need some help in this matter to get rid of repeated attempts from collection agency for debt which I do not owe and to get rid of any negative impact it creates on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called the representative named XXXX agent ID # XXXX regarding the one time bonus of {$100.00} that I was supposed to receive after spending {$500.00} in the first 3 months. However, the agent stated that I was supposed to get the notice that I 'm not eligible, since I was using a different Capital One product before. When I stated that i did not receive such notice, she stated that I was supposed to be verbally notified about this. However, when I further stated that I was n't notified, she stated that actually I 'm just not eligible. When the agent transferred me to the Senior Agent XXXX # XXXX, he refused to provide any information, nor was he willing to send me a copy of the terms and conditions that state that the upgraded account is not eligible for the same benefits, though the promo notification that I received did not mention that I 'm excluded from this benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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:
I opened a Capital One 360 account on Friday, XX/XX/XXXX and deposited {$11000.00} into the account. 
I had multiple problems getting the account opened before I was later told that my funds were on hold and given a number to call the security department to verify my transactions. After calling the security number twice, I was sent to a voice mail box for the security department on Saturday and never received a call back. It is now Monday XXXX and I have currently been sitting on hold for nearly an hour with no human contact for what should be a routine account security verification so that I can access my funds and use the account as normal. 
I am very frustrated and disgusted with the abysmal customer experience and piss-poor customer service ( or lack of ) that I have received from Capital One 360 for what should be simple, routine, and quickly-addressed account activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit card company stopped sending statements, claiming that they were sending 'paperless ' statements, none of which were ever received. There were no problems with the email system on my end. They were simply not sending statements. Eventually, I missed payments, since I had to check the website periodically to see if I owed anything. They reported the missed payments to the credit bureaus, claiming that the glitch was not their problem. This has directly effected my credit score and report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IN

Complaint narrative:
Debt buyer submitted only affadavit and no other proof of ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have received XXXX judgments along with garnishments against my paycheck on XXXX them. These were both Capital One Bank credit Cards that went into collection XXXX 2006. That is 10 years and 10 months ago. That would be 4 years 10 months past the State of Oregon 's Statute of Limitations on Collection Lawsuits. I called them to ask why they are garnishing my wages almost 11 years later, and I was told that would be giving legal advice! I now find myself unable to sustain monthly payments on my families utilities & falling behind across the board due to the flagrant and apparently illegal actions of this unethical collection / attorney firm. I cant afford to pay another attorney to stop the illegal garnishments and Statute of Limitations complete disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One charged off {$1700.00} of a {$2300.00} balance, leaving me with a {$1200.00} balance ( according to XXXX XXXX, the account is in charged off status ). The account was closed and charged off and removed from the Capital One website where I could make payments. The account was assigned to their collections department. I made several payments through XXXX XXXX, as I can only make payments when she calls me. I 've asked her to relinquish control back to me so that I can make payments. She refused. I 've also asked other people at Capital One if relinquishing control over payments back to me was possible and I 've been told the same thing. I 've told her on several occasions that she calls me at times of the day where I can not answer my phone as I am with clients at work ( I work with XXXX ). She has told me that there is no minimum payment required on the account or a due date, however, when she can not reach me and has not received a payment ( only as a result of her calling me ) she reports to the credit bureaus as late. She recently ( XX/XX/2017 ) reported a late payment and I lost XXXX points on my credit score. There is no way for me to able to get this paid if I have to wait for her to contact me to pay this account. This has been going on for several months. I just learned about the CFPB on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had a credit card statement balance of {$6400.00} due XX/XX/XXXX I paid it in full on XX/XX/XXXX leaving a zero balance. The next month the credit card issuer sent a bill for additional interest charges in the about of {$52.00}. Is that within the law for them to charge interest when the balance, according their statement, was paid in full leaving a XXXX balance? During a conversation with their representative, XXXX, on XXXX at or about XXXX AM CST, I asked for understanding on how they calculated the interest charges, on what balance was the interest calculated since I had a XXXX balance according to the statement. She gave some information that did not make sense to me. I told her I would have to take the matter to a higher authority. She said I should be aware that they were going to credit the interest back to me because I had paid the balance in full. I asked if they would have credited it back if I had not called and complained about it. She gave a response that indicated they would not have because, in so many words, they would not have had a reason to investigate the account. Additionally, she said it could take XXXX or XXXX billing cycles to reflect on the account history. Therefore, I asked if it would reflect negatively on my national credit report ( XXXX ). She did not know and put me on hold to get the answer. She came back to the line within a reasonable amount of time and said she did not think it would reflect negatively because they do not report payment history unless payments go beyond XXXX days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX keeps going on my acct, vendor was suppose to stop the billing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done any business with XXXX XXXX XXXX, never signed a contract, nor do I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a secured credit card account with capital one with {$3000.00} of which they pulled from my checking account. They used XXXX Bank as an automatic clearinghouse. They open and closed the account numerous times for what they considered fraudulent activity. I myself along with a representative from the IRS numerous times faxed over and validated all the information they needed, they then would reopen the account let me use it for another three months and then close it again. I continually pay my bill over and over again to the cost of over {$18000.00} in just six months. They then close the account permanently even though I had overpaid the account by an additional {$800.00} owing me at that {$3800.00}. The supervisors told my bank that they would have this money back to me and apologize for any inconvenience that they have caused. I have yet to see anything and when I called to follow up they said I would have to wait and they 're going to take it up there Board of Supervisors and get back to me. My checking account is ironically with capital one 360. Which used to be ING direct the capital one has purchased and I guess is rolling over into just Capital One Bank eventually. This will be a sad day the Capital One is able to conduct even more business on any bank in level. I am also able to obtain affidavits from XXXX Bank as well as Capital One 360.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM

Complaint narrative:
On XXXX XXXX, 2015 ACE CASH EXPRESS withdrew the final payment on a loan I had taken out with them with a 6 month repayment plan. The payment went through fine and there were adequate funds to cover it. Two weeks later ACE CASH EXPRESS began calling me non-stop, stating that the payment had been returned by the bank because of insufficient funds. I checked with the bank multiple times and this turned out not to be true- the statements show the payment cleared. When I informed the lender of this they told me I had to prove it and have continued with harassing phone calls and demanding money telling me it had gone to collections. In order to stop the harassment I sent in an extra payment. Please note this lender also provides borrowers with no documentation of their loan, no online account access where you can see how much you have paid and owe and so on. Borrowing from ACE CASH EXPRESS is dangerous for consumers. I have attached my bank statement showing the payment went through successfully on XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am a long time customer of Capital One - have XXXX of their credit cards. Because I am applying for a mortgage, I used their App to check my FICO score. Although their App says XXXX, that is not the case. Regardless, its lower than it should be ( around XXXX ). I determined that the lower FICO score was because of an unpaid transaction to Capital One. The dispute is regarding {$7.00} due to XXXX. However, XXXX says my balance is " XXXX ''. Months ago, I switched my autopayment from Cap 1 to a XXXX XXXX. So I do n't know how Cap 1 determined I have an unpaid balance when the vendor, XXXX says otherwise. I conducted an online chat with both parties to determine what 's going on, and later spoke to a Cap 1 representative by phone. Because the difference in mortgage interest rates is massive, I went ahead and paid the Cap 1 bill and that payment should be processed in a few days. However, it might take 30 days or longer to have the correction updated in the XXXX major credit bureaus. I need to have an accurate FICO score immediately. Can you help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Ace cashed my check a before the actual due date due to it being a holiday without my consent, My account was over drafted as a result of this and when i called them to tell them what they did she told that they cashed it and it would n't go thru due to it being a holiday and that they were not going to reimburse me for my overdraft charges i received for XXXX. Not to mention i have already paid them double of what I have borrowed already and have always used them and paid every single loan on time every time was never late. Today i get a call from a guy calling from a company called XXXX number XXXX asking me if I will be home so he can come and deliver me some papers THRU XXXX XXXX, which led me to believe that he was a sheriff. I asked him what was this for and it said he would have to transfer me. He transferred me and it was Ace Cash Express. I was livid when she told me that this is a validation letter that was going to be mailed to my home. I called him back and told him that i will be home i was calling off, but i wanted to know what was his job title and why was he coming to my home to give me papers, He said he was a courier. I do n't feel safe with someone that knows my information threatening to bring papers to my home. The person that i spoke with said that he must have been confused so i called him back just to make sure this was n't a mistake. He asked for my work address and if i still worked for my old job and then said the name of the place. By this time i have my recorder on and asked him the same questions again just to make sure that this really just happen.And he said the same thing but got mad and said you are being blocked. and hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
after paying off my monthly balance of about {$120.00} i used the card for XXXX purchases totaling about {$95.00}. I then got a statement saying my balance was about $ XXXX.I called the company ( capital one ) and did not get a resolution, only rhetoric. I then canceled the card only to receive an e-mail that repeated the same disputed amounts

Company response to consumer: Closed with explanation