vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX occasions in the past 12 months, I / we have received our bill for our Capital One XXXX much later than expected. During the last incidence, the billing cycle ended XXXX/XXXX/16. Capital One 's telephone support claims that the bill was mailed XXXX/XXXX/16, yet we did not receive it until XXXX/XXXX/16. The due date is XXXX/XXXX/16. Although we can easily pay the bill, this gets to be a tight turn around and has nearly resulted in several late payments. Either Capital One is inadvertantly failing to mail their statements late, or they are sending statements too late in the hopes of generating revenue through late payment fees and interest. Or the postal service is not doing their job properly, but we have not had problems with other mail arriving late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Made many attempts to contact XXXX to see why this exists and who it belongs to. They have not provided a legitimate answer as the reps do n't ha e access to view as it has been transferred to another department. I am sure the debt is not mine as I currently have an active XXXX account that is in good standing and was given to me with no issues.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX 2016, my identity was stolen. A Capitol One credit card was opened in my name and sent to my old address of 20 years ago. Capitol One was alerted and was supposed to take the hard credit inquiry off my report and cancel the credit card. A letter dated XXXX XXXX, 2016 stated that they would remove this account. When the hard credit report was not removed as of XXXX XXXX, I called and got the run around. They said it would be taken off in 60-90 days. I called again XXXX XXXX as it was still not off. Again, was told 60-90 days. I believe the law states 30 days to remove unauthorized inquiries. They also did not have my permission for the inquiry. As of XXXX XXXX, 2016, the hard credit inquiry is still on my credit report. I also feel Capitol One was negligent in opening the account to begin with as I already had a Capitol One account with my current address in Georgia. This should have been a red flag and I should have been contacted by the fraud department before it was issued. If I had lost my card, they would not send it to a different address. Capitol One has not been very helpful in resolving this issue, so am contacting you in hopes of having the unauthorized hard credit check removed from my credit reports. It is currently on all the reports. A fraud file was opened at the XXXX County Sheriff 's department. A freeze and fraud alert was put on all my credit accounts. I was the one that caught the fraud and not Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As you can see from attached picture Capital One is reporting I have disputed this account. I do not know what this acct is and aparently neither do they. I spent XXXX hours, XXXX transfers and XXXX hangups speaking with reps in various departments. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, and XXXX others whos names I could not understand. I was transferred to XXXX Bank once who had no record of this acct either, after I was told it was theirs. Lastly i was told the information is old and they can not help me and was hung up on. That was XXXX. All i want is some help with this as it is hurting my chances at mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Captial One credit card has engaged in unfair, deceptive and abusive practices on my credit card with it. 

When I opened this account, there was no annual fee for the card, and I opened it because of this reason. Suddenly, on XX/XX/XXXX, I was charged a {$19.00} " member fee '', without warning. XX/XX/XXXX, the only other charge on this card was {$14.00} for a telephone service, which was a balance well below the credit limit. This same amount was paid electronically on XX/XX/2016, before the due date. However, because Capital One charged me a " gotcha '' membership fee, in contradiction to its advertised no annual fee for this card, it then charged me a late fee and froze the account because I did not pay it 's abusive charges. An electronic payment for {$53.00}, the entire balance on the card now, consisting mostly of these unfair charges, was paid today. Capital One should have this payment by tomorrow. 

Somewhat beside the point, I am away for the winter from the billing address and have not gotten Capital One 's last forwarded bill. However, it has gotten electronic, on-time payments regularly since the account was opened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I divorced in XXXX. A home was settled in divorce through XXXX XXXX XXXX as my ex-husbands. He did not pay the debt. XXXX mortgage was XXXX, XXXX was Capital One. House was sold in Sheriff 's sale. In XXXX, I received a call from XXXX XXXX to " settle '' the debt which was previously Capital One 's, the XXXX mortgage. I " settled '' with XXXX XXXX for {$28000.00} on XXXX/XXXX/XXXX. Capital One has NEVER acknowledged that the debt was settled. It is my understanding based on my personal research, that it may have went to XXXX from Capital One then XXXX XXXX bought it from XXXX Capital One has continued to say I owe them the full amount yet they can not seem to provide any records or trail of what happened to the debt. I hired an attorney as Capital One decided to start putting it on my credit report in XXXX I think and would n't work with me towards resolution. 3 days after my attorney contacted Capital One, they sent a letter to me saying the account would be shown as " closed '' now. I thought this meant it was resolved yet now Capital One has sent me a XXXX for the full amount of {$44000.00}. I ca n't file my taxes now until this is resolved and they will NOT return my attorney 's call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I called and expressed to the agent that i was calling to make a payment. XXXX was her name she said she can accept my payment but she sees that i am delinquent on account which was agreed i asked her after paying the full balance which i believe is a little over XXXX where would i stand on the account. The agent was being very deceiving then explained she can settle the account for a lesser amount but it will close the account which was never my intent. She became even more deceiving and said she gave me authorization to record call and saids he will get her manager which a woman begin to get on the phone and said she is a account manager which she had no more knowledge then prev person i asked where the account go she said to a different stage not sure what that meant then a guy name XXXX who rep his self as a manager said it is against policy to give his full name not sure if that is accurate then said he is the only manager in the office then said he is the highest manager there in his office which was located in Virginia and from my understanding that is a level of MISREPRESENTATION which is against CFPB. He was very rude and and combative, he aslo hung up in my face and said it was policy that he did so if he cant control call and still did not accept payment from me after being on the phone for hours

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
my capital one card account charges my bank several times after a decline of the initial charge. This occurs several fees on each occasion and is drastically reducing my ability to pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX Re : Capital One-Committing Fraud I owe Capital One {$170.00}. I asked Capital One to close account because I do n't Trust Them. They keep adding Bogus Charges to make Balance Higher. 

I want this matter resolved by me paying them what is Actually owed of {$170.00}. Account Closed with No Balance Owed after paying {$170.00}. 

Waiting for your reply, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sherloq Group, Inc
State: CT

Complaint narrative:
Received a call from an " Unknown '' caller, which they said was being recorded, regarding a debt that they will not verify until I provide my birth date and last XXXX digits of my social security. I said I would not provide sensitive information prior to understanding where the debt came from, as I have not received any prior notice to owing anyone anything. I asked to speak to a manager and was sent to a voice mail that did not list anyone 's name or number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We own a house : XXXX XXXX XXXX, XXXX, CA XXXX. My wife has had difficulty keeping her job over the last few years and we have defaulted on mortgage payments. Our lender is Capital One. As a result we went through a loan modification in 2014. The modification was accepted and we made at least 12 payments and then she lost her job again and we defaulted. XX/XX/XXXX we asked to start a loan modification process again which the banjk agreed to. We were supposed to make 3 trial payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which we did. However, the bank thought we were late on one of the payments and immediately put a foreclosure date on our property ( XXXX XXXX ). My wife argued with the bank that the payments were not late and they accepted that they had made a mistake. However, the foreclosure date has not been cancelled. We are moving ahead with the modification and are just waiting on the appraiser to contact us to inspect the property. We do not understand why the foreclosure date ( the date our property will be put up for auction ) has not been stopped. We keep contacting the bank and they are not going to stop the auction until the modification process is complete. What is meant by " complete '' I have not idea. We can not get a straight answer. They keep telling us not to worry and that we will be fine but meanwhile the clock keeps ticking. I think they may have not intention of giving us this modification and fully intend to sell the property. 
We have also found that what they are doing is called dual tracking and is illegal. I confronted them about this and they denied it was dual tracking. 
It should be noted that our outstanding mortgage is XXXX and the house is worth about XXXX according to XXXX. I spoke to an attorney and he said jumbo loans are treated differently. This makes no sense to me. 
I would like you to tell the bank to stop the auction date or at the very least postpone it. I do not know if you have the power to do this but I am hoping you do. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
For about one month, I have been contacted almost daily by ABC Financial ( Phone # XXXX ) by robo calls and email messages regarding a debt they contend that I owe to XXXX at a gym in XXXX, CA. I have contacted them twice ; once to understand why they believe that I owe this debt and once to tell them to cease this harassment. 
They say that I owe an XXXX XXXX account for gym dues ; however, I do not have now, or ever had an XXXX XXXX card. 
I explained this to them and informed them that there are several other XXXX with my first name in our area and that they have the wrong person. Also, I advised them that I have never been in the gym that they represent. I was thanked by my contact and was told that they would investigate further. 
About a week later the calls started again. After a few days of such calls, I contacted the company and explained the situation all over again. I also advised my contact that I would contact the Federal Trade Commission if I received another call. The contact said that she was removing me from the file and that I would receive no more calls. I thanked her, warning her again of the consequences of further annoyances. Two days ago, I received another call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Notified by Capital One Credit Fraud alert the new credit card application was submitted under my name. 
I or any relative have not made a new credit application. 
I notified XXXX credit XXXX, XXXX, and XXXX credit bureaus and placed a credit alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This issue is related to Kohl 's Department Store Charge Payment # XXXX. I made payment of {$150.00} on XXXX/XXXX/2015. My checking account was debited twice for this amount for a total of {$300.00}. When I called the company to reverse the additional payment they said that they would issue a check in 90 days for that amount. Now I do not have access to my money for 90 days and they have no intention of paying interest on the amount they are " holding '' for that period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up for the Capital One Quicksilver card via this link : XXXX As you can see, it specifically advertises that there is no annual fee. A month after my enrollment, I noticed a {$39.00} membership fee charged to the account. I have called and emailed several times, presenting evidence of the original offer, but they reply with automated messages, ignoring the substance of the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-01 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CapitalOne did not pay out for the following promotion even after I completed the requirement : Open a new Capital One 360 Money Market account with the promotional code XXXX and receive a bonus of {$200.00} when you complete the following requirements : Deposit at least {$10000.00} no later than XX/XX/2017 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX, 2016 and XXXX XXXX, 2016 Capital One Bank ( Cap One ) performed XXXX inquires. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury. I have sent letters to both the credit reporting agencies and Capital One themselvs to remove the inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a Capitol One credit card that I opened in XXXX. In late XXXX, I lost my job. My credit card was maxed out and I could n't make payments on it. I spoke with Capitol One and a collections company representing them, and we came to a settlement. The account would be closed and I would make a payment of {$50.00} a month toward the balance of the charged off amount. I have held up my end of the agreement every single month. The payment was not late one time, as it was taken out automatically every single month. When I checked my credit report in XXXX of XXXX I noticed that not only was the account reporting as open, it was showing that I had XXXX ( roughly- at that time ) late payments at XXXX days. I was shocked. The account was only open for XXXX months and I only had XXXX late payments, so how could I have that many late payments? It was both impossible and inaccurate. I had called, written, and disputed several times. I called all three credit bureaus and capitol one every single month since I noticed this in XXXX of XXXX. Each and every time I was told that this is correct. If anyone would take just 5 minutes, they would see it is not possible for this to be correct. I just do not know what to do at this point, as no one at Capitol OneXXXX is willing to help me. Please just take some time to review the information provided and help me adjust the information to be correct. It should state XXXX late payments ( as shown ) and not XXXX as displayed on my credit report. I sincerely appreciate all of your time and assistance. It not only means so very much to me, but it improves my life and living situation. 
Thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am being charge for XXXX overdraft transactions, each of {$35.00} by my Bank without me being responsible of such. Just because it was posted. I try to speak to my bank about it with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 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: PA

Complaint narrative:
Capital one and their attorney sued me for non payment of a credit card on XXXX occasions, once in XX/XX/XXXX and again in XX/XX/XXXX. After I filed a complaint with cfpb they withdrew suit and gave me a number to call to make payment arrangements as I had requested in XX/XX/XXXX, wanted 0 interest and 5 year payout, they refused to accept a payment plan. I have attempted to make contact on 3 occasions using a pin that was given by XXXX XXXX, and each time was told I have no open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX made a purchase at XXXX XXXX XXXX department store in XXXX, mo. Received by XXXX bill. I made a payment from on line banking of {$100.00} to XXXX. Unfortunately I had XXXX accounts with this merchant ; a store card and a Mastercard. XXXX account was closed. The {$100.00} payment was posted to the closed account. In XXXX when I received by bills ( XXXX account had a credit of {$100.00} ) and the other account was delinquent. I immediately called XXXX. They indicated that the seen the issue and they would re-apply the payment to the correct account. I asked if I should make another payment. XXXX replied no. A few days later I received a collection call from XXXX. I explained the issue to the agent, who indicated that the could see what happened, but indicated that there were no notes on the account. They explained that they would re-apply the payment. I asked about my credit and indicated that they would note account and XXXX5 business days, my account she me corrected. A week later I receive an email from indicating by credit had a delinquency reported due to this past due account. I immediately call XXXX again and demand a SupervisorXXXX. XXXX indicates that the notes show me calling in several times and he was unsure why the {$100.00} was not transferred. He removed all the late charges ( so he explains ) and indicates that he will take care of this immediately. He will also make sure by credit is restored. I told him I would like to pay the card in full and close the account. He indicated it would be best to wait until the account is accurate. I agree. He explains that this will be expedited, XXXX5 business days. He also indicated that he will call me when the payment is posted and credit is restored. I requested a letter that would provide me with assurances that this will not affect my credit or me in any way. I am trying to purchase a house and this can effect by interest rate. To date, nothing has happened on my account. I have exhausted every possible means of getting this rectified. I am not sure how to clean up their mistake. I am getting no where. I recently wrote them and was told I need to contact their customer service team .... 120 days and the payment of {$100.00} is still in their possession, sitting in a closed account. I would like XXXX to correct their errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had submitted a dispute with Capital One Bank about a {$21.00} Charge for XXXX I never received and how XXXX failed to correct the matter. XXXX issued a credit of {$21.00} to my credit card ( the correct amount charged to me ). Capital One Bank took back their temporary credit of {$21.00} XXXX OK ). Then Capital One Bank took back XXXX Credit of {$21.00} that they correctly gave to me and then issued me a credit of {$16.00}. Capital One Bank then pocketed {$5.00} of my credit XXXX charged me then credited me back with. XXXX had credited me a few months earlier with {$5.00} but failed to give me the other {$14.00} of a {$20.00} Gift Card that I had used. So now I am out the {$5.00} Capital One Bank took from me as well as the other {$14.00} of a {$20.00} Gift Card too.

Company response to consumer: Closed with explanation