vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a Capital One Credit Card, a Personal and a Business Card ( which is now XXXX13 month since I got them ). 
For this complaint I would like to explain the aggravations and how Capital One Defrauded me and the huge damages that I 'm suffering about. Let me start with the Business Card. 
To better understand Capital One has a feature which they mail out a check to your address and it 's payable to your name, and then you can deposit it to your account and then do with it whatever you want. 

Here is the Story, I requested XXXX checks to be mailed out to me on XXXX/XXXX/16 and XXXX/XXXX/16, the total of al XXXX checks is {$15000.00}, long story short, I NEVER RECEIVED THE CHECKS!! I called Capital One and was transferred to the Fraud Department, and they told me they will close my account due to fraud and mail me out a new card, and they assured me that I will not be Liable to the Fraudulent Transactions. 
So that 's what they did, and I received a new card, but Capital One did not keep there promise of not holding me liable to checks which I DID NOT RECEIVE. 
I called again the Fraud Department, and they were giving me such aggravations that I had no doubt I will end up in the hospital. 
And this is what they told me after being on the phone for 3 hours for ten days. 
" WE INVESTIGATED THE XXXX CHECKS AND WE REALIZED THAT THESE CHECKS WERE DEPOSITED AND THEREFORE THERE 'S ABSOLUTELY NOTHING IN THE WORLD WE CAN DO TO HELP YOU '' after many hours of crying on the HUGE loss I had, I called capital one and told them to please prove to me that I received the checks and that I cashed them. Because I know 100 % I DID NOT RECEIVE IT AND DID NOT CASH IT, AND I OFFERED THEM ANYTHING THEY WANT TO PROVE IT. 
So I was told by a representative that they are not able to mail me out the checks. 
So I called again, and was transferred to XXXX departments until I was finally told that they will mail me the checks and I will have it in 7 days. 
after 14 days I did not receive it, I called again and they told me " SORRY WE CAN NOT HELP YOU ''. 

I 'm here begging the Consumer Financial Protection Bureau to please help me not to be a victim of the FRAUD and UNETHICAL behavior Capital One did to me, and help me I should not loose my money, and help me with money so I can go to a therapist so I can get my mind together. 

PLEASE AGAIN I AM BEGGING FOR HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have a Capital One security card that I 've had for almost a year it has reported to my hard inquiries but it has never reported to my actual credit score or accounts through any of the credit bureaus. I have filed XXXX dispute through Capital One and they 've done everything on their part. The credit card is basically nonexistent on my credit accounts through all the credit bureau 's. This is affecting my credit score and my life and it 's been going on for way too long. What is my next step to get this on my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My XXXX year-old son is receiving several pre-qualified Capital One Credit Cards ( XXXX so far ) by mail ... I spoke with XXXX at XXXX about this situation and he stated he is unable to put a red flag or an alert that his SS # is for a minor child. I want someone to help me protect my child SS # by red flagging everything that comes up his information!!!!! 
Sincerely XXXX XXXX VERY concerned mother of minor child!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hi my name is XXXX XXXX I had a Capital One credit card that I had paid in full and had a XXXX balance for months. I moved from my apartment back into my house and never recieved a credit statement from capital one. I sent in a change of address to Capital One I never recieved a annual fee bill that was for XXXX dollars. Because the bill wqs unbeknown to me I didnt pay it.. Capital One reported me to the credit company as a 90 day delinquit for XXXX dollars whn my bill wqs paid in full.. my credit score dropped XXXX points, I paid off the bill and closed the account.. I need help getting this off my credit report as my score is suffering. I pay all of my bills on time every month. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capitol One reporting outdated information to my credit report. For easy reference, I 've enclosed a copy of the credit report that XXXX Provided to me. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX. XXXX ] " XXXX Delinquent date is as XXXX XXXX XXXX, reporting periods only run 7 years. In my case, the information in question expired as of XXXX/XXXX/XXXX. 
As of XXXX/XXXX/XXXX capitol one frequently and illegally reporting and violating FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX opened an online savings account with ING in XXXX XXXX. This account was immediately linked to a checking account at XXXX XXXX XXXX. The ING account was taken over by Capital One when it purchased ING. On XXXX XXXX XXXX, we attempted to make an online transfer of {$700000.00} from the linked XXXX XXXX XXXX account into the Capital One account. On the afternoon of XXXX XXXX we received an email from Capital One that the funds were being held until we call them. They stated that the hold had something to do with a credit check they performed, which we did not authorize. We called the number in the email and were directed to a voicemail, and left a message. Later that day we also responded to the email requesting that this situation be resolved. Two days later, XXXX XXXX, I went with my controller, XXXX XXXX, to a local branch of Capital One and spent 45 minutes attempting to have them help us resolve the situation. An officer in the bank made a phone call and was put on hold, we said we will go back to the office while they try again and will let us know what happens. Upon returning to the office, we received a phone call from Capital One, I verified my social security number and date of birth as requested. The representative ( XXXX ID # XXXX ) then told me that he needed to get another department on the line. After waiting for XXXX minutes on hold. I told the representative I could not wait any longer, and to please call me back when the process was complete. He responded that if we were to hang up, the process would start over again. Not only are they holding my money hostage, they also insist on holing my time hostage in order to get this issue resolved. XXXX also indicated that the transfer was flagged randomly, and not because of the any credit check as stated in the email. I had no choice but to hang up so that I can continue to run my business, and not be held hostage by a convoluted and inefficient system present at Capital One. There was no reason for the transfer to be held up other than random chance, and there is no reason why I need to stay on hold after confirming my information while the problem gets sorted out, and my money released.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have at least three times submitted payments ( well before the due date ) online from my checking account ( with CapitolOne ) to my credit card with CapitolOne, and have had it returned AFTER my due date with some nonsense that the bank refused to pay the bill - but I receive not notifications on my checking account that it 's been refusing payments. Also, this all occurs AFTER I receive a confirmation that my payment has posted. I know the information is correct because the accounts ARE LINKED ON THE WEBSITE! The only way around it has been to submit payments from another checking account from a completely separate institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto Finance stated that I was 30-39 days late on the last car payment on my car in 2010, however they have failed to provide me a method of payment I used such as a check, moneyorder, and etc with the date they said I was 39 days late making the car payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Credit Collection Services, XXXX, XXXX, Ma XXXX, XXXX has and continues to send collection letters and phone calls concerning a purported debt to " XXXX XXXX ''. 
There is no debt, but Credit Collection Services has caused damage to our credit and has caused us to pay higher interest rates for the foreseeable future.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I applied for a credit card from capital one and was approved for a credit limit of XXXX dollars under the pretense and not realizing i had entered my drivers license number as my social security number which is still an identifiable form of identification and submitted supporting documents to prove i am myself the company refused to give me the line of credit because they did not want to change the information as requested when it was presented and in other factors its curious because they stated that if they reported to the credit reporting agencies they would not be able to associate me to my credit profile however when their own credit monitoring service showed my credit profile it shows a card linked to myself as an authorized user on a card through XXXX i seek to have this case thoroughly investigated and the company to uphold to the original approval

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
have had a debt that was suppose to come off of my report XXXX. account was opened in XXXX of XXXX according to a previous credit report, it showed when it would be removed. the reporting agency also said during the most recent dispute they updated my information based on a previous investigation.. All I ever did with this account was give them documentation to prove that I did not owe the debt. and all they did was adjust the amount owed to a couple XXXX less. upon reviewing the new credit report where it should have came off. they have now updated it to remain for another year and changed the dates for reported to XXXX which is clearly untrue by the documents i am providing. they also changed the date of status from XXXX to XXXX. once again I never made any payments to this account or updated any information other than to prove i did not owe. I currently have this debt taken off of my other credit reports because its passed the amount of time to be reported on.I included that credit report to show when they started reporting and when they opened the account for collections

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 2017-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was looking at my account and I see that there were withdrawals and transactions in different states. I called and disputed the charges and they will give me a credit but will always reverse it and charge me all these overdraft fees. I was told that someone was deposited a check in my account and it was from my other account but that is impossible because I ldont have any checks for any of my accounts. I deposited XXXX in the account on XX/XX/2016 and now its all gone and I am being told that I just have to deal with it. I did my part and I am being told that it was not enough

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a loyal customer to Capital 360 since XXXX. In XXXX, we established a Trust, and per our Attorney, ALL of our assets are in the name of our Trust, including our bank accounts at Capital 360. Capital 360 has recently offered a XXXX XXXX account. We were informed that although our current status are ALL Trust accounts, we are not able to open a money market in the name of our Trust. I asked to speak with a manager and was directed to XXXX ( Employee # XXXX ). XXXX confirmed they were unwilling/unable to open a money market under our already established Trust accounts. I asked to speak with his manager, as we are already established customers with established Trust accounts and he declared that there was no one else for me to speak to regarding the matter and that I could periodically check back for changes in their policy. This refusal to open a money market account in the name of our Trust, considering we already have XXXX other accounts in the name of our Trust, appears to be random and discriminatory towards people who elect to have their financial affairs in order. XXXX insistence that he has the final say in the discussion of this inane policy was ridiculous, and this matter needs to addressed ensure inclusivity -- especially to established customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been making my Kohl 's credit card payments monthly for two years without miss through my bill pay at my bank. 
I see my min payment amt went up drastically this month so I called Kohls customer service to find out why. They are stating my payments have been late for over 7 months! 
They have not. Looking at my payments, I have actually paid the account in advance, plus more than the minimum due. There is a problem between the payments being sent every four weeks ( every XXXX Friday ) and the way Kohls is applying the payment. For example : The due date is the XXXX. If my bank sent payment on the XXXX one month, it is properly applied to the XXXX of the following month. 
But if my bank sends 4 weeks later on the XXXX, it does not get applied to the following month. The next month 's payment goes out 4 wks later on the XXXX, and then they say it is late and charge a {$35.00} late fee- even though this payment is early. This has been happening for over 6 months and I never realized it as I knew I was making my monthly payments for greater than the minimum. So they not only have been charging me late fees for making my payments early, but have also been reporting to the credit bureaus that I have been late when I have NOT. I am very frustrated. I am sure I am not the only consumer this is happening to. We should not be penalized for making payments early. There should be a system in place to prevent this mis-applying of payments and charging unfair late fees to consumers- especially ones like me who have been faithful in paying every single month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I paid off XXXX past owned credit cards that were placed in collections. I was not aware they would n't delete the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have some issues regarding my Amazon Store Card account, I was hoping that someone would help clear-up : In XX/XX/XXXX after using the same password when logging into my online account since I first opened my account, my password no longer worked. I called customer service about this so I could make a payment, they said they had my bank account info and would process a payment. I also asked for a replacement card at that time. Unbeknownst to me, my XX/XX/XXXX payment which I made online had not been credited! Then later in XX/XX/XXXX, I received a letter that said my account was delinquent, to my great surprise. Now both of my last XXXX payments made failed on their end and my account was n't credited! So I sent a personal check payment along but did n't have time to call because I was going to be out of town for awhile. 

On XXXX XXXX, I had time and called customer service again, my first XXXX attempts I was hung-up on after holding for very long times. After a hour of trying to speak to a rep, I was finally successful and got to speak with XXXX about the events that occurred. We spoke about how my payments were n't being credited, which she could n't give me a reason for. We also discussed how my passwords were n't working and how I was unable to access my online account, again she did n't know why. She helped me access my online account and told me I had n't been charged any online late fees and that I was in good standing. XXXX also said she would send me the replacement card I had n't received from my last request. 

On XXXX XXXX, I called customer service again because my new password was n't working again and I was unable to access my account. I again had to request a replacement card because I still had n't receive one since the last XXXX requests. Once online I now could n't view all of my previous statements, even though I was always able to in the past. 

Of greatest concern is that in XX/XX/XXXX, I received a copy of my credit report and saw that Synchrony Bank reported me as delinquent past XXXX days in XX/XX/XXXX. This is unfair considering my attempts to make payments and access my online account failed due to problems at Synchrony Bank. I ask that Synchrony Bank fix this and remove this blemish off of my credit report immediately. 

Overall the experience recently with SB bank has been very disappointing, frustrating, and time consuming. I never had problems with this account before Synchrony Bank took over my account from GE. I look forward to hearing from someone from Synchrony Bank regarding the negative mark left on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My wife and I noticed a fraudulent credit card charge from a mail order cosmetics company in XXXX of XXXX after reviewing our XXXX statement. At the beginning of XXXX we contacted Walmart Synchrony bank to report and dispute the fraudulent charge ( XXXX ). We provided the amount of the dispute ( {$260.00} ) the date ( XXXX/XXXX/XXXX ) and also cancelled our old card and ordered a new one to prevent further unauthorized charges. I have made more than 10 calls to the credit card company since then and keep getting the run around. Today they said their investigation shows the charge was valid and my claim denied. It is extremely frustrating as we have no clue as to what the charge was for and never made a purchase to this company we had never heard of.

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 2016-08-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: M.A.R.S., Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX I was served eviction papers due to a month of non payment, which we were withholding due to a breach of the lease that led to habitability issues. In court, we settled. We provided {$200.00}, and they let us out of the lease. All to be concluded by XXXX/XXXX/XXXX. One XXXX/XXXX/XXXX the case was dismissed by the former landlord as settled. Then the landlord, through a bogus company, submitted a claim to the debt collection company reported for {$1000.00}, There was no protocol in place for investigating what was clearly a fraudulent claim by this landlord, and this company in spite of never contacting me, had a derogatory mark placed on my credit report. They did contact me by phone, but never in writing ... and over the phone I expressed that this was an error. I sent them a copy of the lease and a copy of the disposition. ( They state they never received those, but do admit that I made it known that it was not accurate at that time ) They did not investigate when the fraud was initially perpetrated, and they did not any time subsequent for 6 years ... that 's right, they knowingly kept an erroneous mark on my credit report for 6 years. I now have a letter, they just sent it today via fax, that states that the account was turned to them in error and 6 years later, they will finally have it removed. There was never any written information provided until this very moment. As a point of issue, the letter they sent today was an address I held for two years and not a single letter came from them to this address. The claim was, according to the collection agency, supported only by a lease and a statement of non payment with no other verification sought or needed. I believe them to be initially grossly negligent before providing derogatory information to the Credit Bureau, but further had a duty to investigate upon first indication that the information was incorrect, in spite of their claim that they never received anything in writing. They WERE informed, and they actively chose to ignore this information. In doing so I believe they were willfully publishing incorrect information on my credit report, without providing instruction on appropriate dispute procedure, ignoring appropriate dispute procedure and ignoring federally mandated protocols for fair resolution which led to significant troubles gaining housing, medical care and employment. The fact that now they admit it was given to them in error, although they could have checked when initially notified but chose not to is inexcusable in this line of work, and a breach of Federal Law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation