vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2016 XXXX charged my Capital One Account {$550.00}. At no time did we ever authorize or use this merchant. This was filled with Capital One as a fraud event and they canceled my account and issue out a refund with a new card. The charge appeared again on XX/XX/2016 and we went again with a fraud dispute and my account was re-credited. It again appeared on XX/XX/2016 as a recharge. Over the last XXXX weeks I have spend countless hours on the phone and writing letters. No body there ever returns a phone call. I need this issue resolved. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One failed to protect my account from repeated fraud and wo n't let me activate my replacement card. I have had a credit balance of nearly {$2000.00} for almost four months and Caputal One refuses to let me have access to my money. My credit limit is {$600.00} and they have three times my credit limit in my funds and they are depriving me of my right to use MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I paid this 2012 debt off just to remove it from credit reports yet it remains as a negative mark on my credit. The debt was paid online as I was told it would be removed from my credit report quicker this way and I have the deduction for the exact amount ( {$210.00} ) on my bank statement. I would like this negative debt removed from my credit so I can have a score better reflecting my current situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I purchased a money order pay to the order of District Court of XXXX on XXXX/XXXX/2016. Capitol One Bank stamped money order pay to the order of Capitol One in XXXX XXXX. XXXX XXXX XXXX stamped for deposit only into another Capitol One Bank in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 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: PA

Complaint narrative:
Had a Capitol One card..Went into collections, and was paid through XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ... .I keep getting calls and harassment from XXXX, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is XXXX they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from XXXX XXXX that it has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Have disputed the reporting of the status of account with Capital One, but they refuse to respond to the request and continually send me letters stating " they need more information ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Back in XX/XX/2011 we purchased a XX/XX/2011 XXXX from the dealership. The dealership lied about the contract and stated that I would be a cosigner and I actually ended up being the owner and my daughter the cosigner, who had that time had no credit. The dealership inquired XXXX hits on my credit score. I had received an auto loan with Capital One. My daughter and I both lost our jobs and we fell on hard times. The first time the car was repossessed we borrowed money and we paid a little over {$4500.00} to get car back plus added fees that they had added on. At that time we told them that we were still unemployed and the Capital One representative explained that in order to work out another deal we would have to let the car go in default and that we only owed around XXXX. Before the car got repossessed they refused to work out an affordable payment as they had my daughter paying XXXX every week. We lost our place and became homeless and we were sleeping in our car. Recently the car as been repossessed and they have added on over XXXX dollars in fees and they are threatening to sell our vehicle and it has been paid off we are now paying fees that they keep adding on. The car is paid off and we have requested that the dealership send us the original contract so we can prove to Capital one and they can render us our vehicle. I am getting the original contract and I will submit my the proof that I came up with over XXXX to get my vehicle back the first time and there were a ton of fees included in that as well as the letter they just sent me which was all fees over XXXX XXXX in fees. We have paid so many fees to Capital One during our XXXX and the XXXX has been paid off!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One account XXXX became late in XX/XX/XXXX. Seven year removal of this account was in XX/XX/XXXX. Capital One still has a chargeoff on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One charged me interest and late fees on top of an annual fee XXXX {$59.00} XXXX for a credit card. They reported me to the Credit Bureau for not paying the {$59.00}, but also reported me for fees and interests ( {$26.00} XXXX for a total of {$82.00}. Charging interest and fees on top of an annual fee is illegal. Supporting documentation is attached. Because I am refinancing my home, the ding on my credit hurt me. They said they would fix it, but that it would take 30-60 days for the Credit to be repaired. Since interest rates are rising, I might now qualify for a lower interest rate now due to the ding on my credit, which could cost me thousands of dollars in the end. I asked for a letter stating the matter had been reversed with the Credit Bureau but they would n't give me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 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: AR

Complaint narrative:
A company by the name of " XXXX XXXX '' has re-aged an account and reported it to the credit bureaus. The credit card account was previously closed in 2012 but is being reported as a new charge off with a new and recent date, which is affecting my credit score. Also, I was never contacted by " XXXX XXXX '' to validate any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
this creditor ( turner acceptance corp ) has sold my account to a third party debt collector has sold my account to XXXX for non payment and was reporting balance correctly at XXXX each month for approx 5 years in XXXX or XXXX of 2016 they changed balance to credit Bureau to XXXX without any notice to me At all which is a fcra violation, I 've called this the original creditor to fix balance but they refuse to do so they just direct me to call collection agency which they do have correct balance but they are not the once negatively reporting to score. Which is another fcra violation, XXXX has fixed this issue for me numerous times and told me the company needs to fix this or this issue will continue each and every month. I have file numerous disputes showing proof of corrected balance to credit be bureau and only XXXX corrected XXXX refused without sending me notice of why they would n't except the proof of correct balance directly from the debt collection agency XXXX, this is affecting my credit and affecting me from being able to purchase a home or to even get a new car. I am willing to pay of balance of XXXX but only if company is willing to remove From credit after receipt of payment due to all the stress and frustration they have cause it reporting this incorrect balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
Credit Collection Services claims I owe XXXX for an auto policy with XXXX XXXX. This policy was canceled prior to their cancel date of XXXX XXXX, a final payment was made before and should have brought the balance current and paid in full. They claim I owe XXXX, which is a ridiculous amount of money for a policy which I had already been paying on. I think the Liberty Mutual rep ( s ) I spoke with failed to cancel the policy when I first requested, however, the amount in question is still absolutely crazy and I refuse to pay it. The reason for canceling the policy is because the vehicle had been sold to XXXX XXXX XXXX, I no longer needed insurance on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A Civil Complaint was filed against me on XXXX XXXX, XXXX by Capital One ( USA ) N.A. with the District Court in the amount of {$4500.00} plus court costs at Docket Number XXXX. The disposition of that hearing was Judgment for the Defendant. A copy of the Award is attached. 
Capital One ( USA ) N.A. Appealed the Magisterial District Judge 's Judgment on XXXX XXXX, XXXX to the Court of Common Pleas at Docket Number XXXX, which an appeal hearing was held on XXXX XXXX, XXXX. The Court of Common Pleas again found Award for Defendant against Plaintiff, Capital One ( USA ) N.A. A copy of the Award is attached. 
Capital One ( USA ) N.A. did not appeal the decision of the Appeal from Common Pleas Court and their decision in the case stands. 
I had noticed XX/XX/XXXX that Capital One was still reporting their claim negatively to TransUnion Credit Bureau, which is attached. I filed a dispute with TransUnion and Capital One sent me a letter seeking additional information. I responded to their request on XXXX XXXX, XXXX. A copy of this correspondence and the Certificate of Mailing is attached. 
Last week I received a XXXX from Capital One indicating that " because they canceled or forgave {$600.00} or more in principal debt to you, we 're required by the IRS to send you a XXXX tax form. Since this matter was adjudicated against Capital One ( USA ) N.A., I contact them as to why I receiving the XXXX. I spoke to XXXX XXXX at the number that appeared on the XXXX for questions. She advised me that Capital One ( USA ) N.A. made a business decision to file the XXXX with the IRS and advised me to contact the IRS. I tried explaining to her that it 's impossible to for forgive or cancel a debt that was never owed. Additionally, I tried to explain to her that this matter had been litigated to finality and that Capital One did n't prevail in the litigation and offered to fax or email her the Appeal Award for the Defendant from XXXX County Common Pleas Court. She again explained to me, in a now rude and condescending manor, if I did n't like their decision, contact the IRS. I requested to be transferred to someone else that could further discuss this matter. She transferred me to XXXX XXXX in the Disputes Department. 
I explained to XXXX XXXX the purpose of my call and she placed me on hold for multiple minutes and then reinstated that Capital One 's position in sending the XXXX was that the case was withdrawn with prejudice. I offered her the documents in the case, but she declined since the information she had was from their legal department and they had every right to notify the IRS of this situation and they will not rescind or provide a corrected XXXX. 
It appears that Capital One 's actions are punitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is my second complaint for Capital One 360. This is a different issue. A check written to me ( # XXXX ) for the amount of {$730.00} was reversed out of my checking account on XXXX/XXXX/16. After talking to Capital One 360 they said it was redeposited by a XXXX customer. ( as my older complain # XXXX in which i was reimbursed ). Check # XXXX is in my possession with VOID written on the front and the back of the check. There is no way that this check was deposited again at a different bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital one added on {$190.00} dollars to my balance and has raised my payment from XXXX to XXXX with no explanation at all they have received my payments. They refused to set me up an online account so I can have digital copy 's in order to extort an extra XXXX a month in unjustifiable fee 's. Their intention is to get me to default on my loan which makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
I conducted a balance transfer from a Capital One credit card to a XXXX Bank credit card. XXXX Bank transferred the full balance of {$600.00}, but Capital One only credited me with {$500.00}. XXXX Bank sent me an image of the check which is clearly in the amount of {$600.00}. The check was endorsed and deposited by Capital One on XXXX XXXX, 2015. Capital One continues withdraw my minimum payment, and refuses to fix the issue. I spoke to representative tonight ( XXXX XXXX, 2015 ) who stated that Capital One would begin a " Payment Investigation. '' He further explained that this would take XXXX business days, and then their " findings '' would be sent to me in the mail XXXX hours later. I could live with this, but then he stated that the disputed amount would appear within XXXX billings cycles ( i.e. XXXX days ). The representative refused to indicate how they would correct the issue of collecting XXXX months of payments after they deposited a check that paid off the entire balance. During a previous call I was told that the {$100.00} would be " applied to my account '' ( if I could provide proof that XXXX Bank paid them the amount I was claiming ). I tried several times to explain that the card was paid off and I did not understand how the {$100.00} being " applied to my account '' would resolve the issue. I did not receive anything remotely resembling a response, except that " this is Capital One 's policy. '' As I stated, I have an image of the check itself, as well as an image of the back of the check where Capital One has endorsed and deposited the Check. This is clearly consumer fraud as the check is clearly made out for {$600.00}. Unfortunately, the image quality of the duplicate is not the greatest, but there is no disputing the amount written on the check ( numerically and in expanded notation ). I refuse to continue to make payments on this account because it has been paid in full. There is no excuse for Capital One 's behavior in this matter, and I would like CFPB to provide some advocacy, and I wish to press any relevant legal charges against Capital One because this is clearly an intentional fraud, and this is further demonstrated by Capital One 's refusal to explain how they will refund payments made once their XXXX month process is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One bank reset the rates on my credit card to 18 % Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a very harassing letter from Capital One, my mortgage company, demanding I show them proof that I have hazard insurance. I am trying to find out what they mean by " hazard insurance. '' Do they mean the insurance XXXX XXXX XXXX XXXX carries for the units? In the past, XXXX XXXX XXXX XXXX provided that information to me and I would forward it to Capital One. Besides being very harassing, the letter does not even give a final date that they will accept proof of insurance. The letter was sent through USPS, First Class Mail. Furthermore, no one signed the letter. I would like to have the best address to send a copy of this letter. I believe it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Unauthorized account, mishandling of dispute, poor customer service. 
My XXXX blue XXXX XXXX account was sold ( " converted '' ) to Barclaycard on XXXX XXXX, 2016. My XXXX XXXX XXXX XXXX account was cancelled and my outstanding balance was transferred to Barclaycard without my consent. My Barclaycard arrived in the mail and I learned that I needed to pay my outstanding XXXX XXXX balance to Barclaycard. However I had no access to XXXX XXXX on line account information or customer service after the conversion and Barclaycard did not yet have the information about transaction on my XXXX XXXX Account. So I paid my XXXX XXXX balance to Barclaycard, but also requested that Barclaycard send me statements regarding my XXXX XXXX transactions. 

When those statements arrived with my prior XXXX XXXX transactions, I realized that there was an unauthorized charge on my XXXX XXXX account on XXXX XXXX, 2016. After trying to work with the merchant, I determined that the merchant was not willing to resolve the issue and issue a refund. But when I contacted XXXX XXXX I was advised that I needed to contact Barclaycard for any customer service or dispute. 

XXXX XXXX, 2016 I called Barclaycard on and initiated a dispute regarding the unauthorized charge. I did not receive any case number or letter documenting the dispute, nor were the funds put back on my card. I heard nothing at all. I contacted Barclaycard again regarding this matter on the following dates : XXXX XXXX, 2016 Status check- case pending, no information XXXX XXXX Status check-case pending, no information XXXX XXXX Status check- was told they would send the dispute to the " back '' for escalation so I could get an answer. 
XXXX XXXX, 2016 Spoke with two agents about the dispute : XXXX : Said dispute had not been handled correctly but it was probably because of the conversion. Requested higher escalation to Client Relations and said I should get a call or a letter sometime within a couple of weeks. However she could not provide me with any documentation of the dispute or case number. 

XXXX Dispute supervisor ( Reference number XXXX ) Explained that XXXX XXXX was responsible for handling the dispute since the charges went through before the conversion. So that is why Barclaycard was not handling the dispute in the usual way. That is why I did n't get any letter or documentation that the dispute had been opened. The dispute had been sent to XXXX XXXX but nothing had been received from them and that XXXX XXXX was not being compliant with the agreement.

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 2015-08-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had my credit card for over 3 years and never had a late payment with the prior account servicer Household Bank. Once Capital One acquired the account, and since they took over my payments were not posted accurately to my account. They never processed my payments accurately from XX/XX/XXXX to XXXX 2014. My credit has been adversely affected and they are not willing to assist me. My credit score has dropped due to their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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: FL

Complaint narrative:
Capital One has continued to sell an account to collection agencies after it was determined that the account was open due to identity theft. Capital One and the collection agency are appearing on my credit report for the same account. The account was deleted from my credit report and has now resurfaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I purchased a total of XXXX items from kohl.com. I then received a package with XXXX items in the box for which I did not order. I called kohl and was told to return the wrong items in store and i will receive a full credit for the correct items and a refund of the shipping charges. I go inside the kohl location in XXXX MD, speak to the manager XXXX who confirms I indeed returned XXXX items that was placed in the box to a kohl.com agent and I was then advised I would get a full refund in about 7 days. Now, i received a second bag with a book i ordered XXXX and i do n't expect to get that back. Im told that all calls are monitored and recorded and nearly everyone i spoke to seemed to advise me i returned XXXX items not XXXX. I called in with the manager, XXXX, from the kohl store I was given a reference number of XXXX that should have stated i returned all XXXXitems that were shipped. I only received part of my full credit. Ive been getting the run around, no one seems to be able to help. I just want my full refund as I returned all the items i received.

Company response to consumer: Closed with explanation