vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I XXXX XXXX paid XXXX creditor Capital ONe NAre : Kohls department stores account ending XXXX reference # XXXX I paid {$560.00} the settlement amount they were going to delete this from my credit and this is still showing I paid back on XX/XX/XXXX and today XX/XX/XXXX still showing I deserve better credit consumer protection cheched mailed to XXXX FL XXXX check # XXXX today XX/XX/XXXX called spoke with XXXX for few minutes then she hanged the phone tried many times never answer the phone I re-tried asked to speak to a manager they hanged the phone XXXX more time. is this a true company XXXX credit capital one for kohls department stores inc a valid company they took my {$XXXX} in XX/XX/XXXX as consumer I deserve better consumer protection. XXXX XXXX XXXX married name divorced main name now XXXX I paid this account to delete records from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a new credit card with capital one, it needs further review I received a letter that I need to fax or mail a copy of my social security to complete my application. I called customer service and I said I do n't feel comfortable mailing my social because of fraud going on and I do n't have a fax machine, I asked if theres other alternative and she said that only fax or mail. I asked her if mailing social is secure and she said yes, for me I am not comfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have a business credit card through Capital One. Back in XXXX XXXX, Capital one requested documentation to bring the account into compliance with the XXXX XXXX. They requested corporate tax returns, which I refused. I offered to send a XXXX, which is industry standard. I argued about it with the representative, and she finally declared she could resolve it over the phone, and I should consider the matter resolved. Then on XXXX XXXX, XXXX, I discovered the card was closed. I called Capital One, and they said it was closed due to lack of XXXX documentation. I offered to send the XXXX, just as I did in XXXX, and Capital One sent me an e-mail link to a website where I could upload the XXXX. The person I spoke with on XXXX XXXX led me to believe the account could be reopened once the XXXX was squared away. I called today, XXXX XXXX, to follow up, as my account was to have been expedited. The representative today told me my account was closed because I failed to accept an offer they sent me in the mail recently. I recall the offer, and nowhere in that letter did it say my card would be closed if I made no selection. After escalating the call, I was told there was no hope of resurrecting the account or recovering the over XXXX rewards miles associated with it. After stating that I would file a federal complaint, I was transferred to a " manager '' who said maybe the account could be opened, maybe it ca n't, and she does n't know why I 've been getting different stories at every call. My wish is that at a minimum, the rewards miles on the business card be transferred to my personal card with Capital One so I may use the rewards I rightfully earned according to my contract with Capital One. At most, I would like the account reopened, with rewards reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After telling them to stop allowing XXXX load company to stop ACH withdraws and electronic billing withdraws. They continued to allow the company to withdraw from my checking account when they did not have authorization. Causing my account to overdraft from the unauthorized withdraws. Capital one 360 told me XXXX times that they would send an affidavit in XXXX days to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a letter from XXXX stating I had a balance from a capital one credit card. I asked them when this was opened and to send me the proof that this was my debt they said it could take ninety days I responded with you have thirty according to the law that is enough time for you to get me the information. They then sent me a letter 36 days later without proof the debt was mine and said they had just opened an investigation into the matter thirty days later. I called in response to this letter and asked them to stop their collection efforts and to remove this from my credit file immediately since they could not provide the necessary information in the time slotted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Brelvis Consulting, LLC
State: NM

Complaint narrative:
I was attending a private college, XXXX XXXX College, for XXXX. The school is closing and I am unable to continue due to their closure. I have accumulated a large debt from financial aid and needed to figure out how to pay it off. I thought I was dealing with the actual Department of education about my loans, trying to consolidate them. The company The Student Loan Help Center ( TSLHC ) said that I needed to pay {$790.00} for this service. Of course I ca n't afford this so they set up a payment plan of 4 monthly installments. After the second payment went out I recieved a notice from the Department of Education ( DOE ) stating that my Power of Attorney was declined. I called the DOE and was informed by XXXX of the reps that they provide this service for free and the TSLHC is a 3rd party debt relief company scam. I called my Bank and faxed the letter stating the declination of my Power of Attorney. My bank reversed the charges and changed my account # so they would not have any further access to my funds. 
I was contacted by the TSLHC asking for the third payment, I stated I needed to discuss this with the DOE. I then called the DOE and again was informed not to speak with TSLHC, to call the State Attorney General and file a complaint of a 3rd party debt relief company scam. I did this and was redirected from the Attorney Generals office to contact the Consumer Financial Protection Bureau and place a complaint with them. 
If you need any further information you may contact me. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX New Mexico XXXX XXXX XXXXXXXXXXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On my credit reports, it states that the debt is still open when it was paid and closed. I have verification that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I applied for a CapitalOne Venture credit card. I heard nothing back for several weeks then I received XXXX letters. XXXX letter congratulated me for being approved. The XXXX letter contained the Venture Visa card. And the XXXX letter warned me that a 'FRADULENT CREDIT CARD ACCOUNT MAY HAVE BEEN OPENED IN MY NAME! '' Since I had not activated my CapitalOne Venture card, as yet, I called the number provided. 
Now starts the problem. I called the number located in the XXXX and spoke with " XXXX '' All this representative would do is repeat the same thing over and over again not really listening to my questions. She continued to read from her script asking me to resubmit all the information I had originally submitted in my application. No matter what I asked she wanted my " SS number, date of birth, etc. '' Since I was getting nowhere I tried again a day later -Same thing this time with " XXXX '' 15 minutes of repeating the same script. 
It was at this point I decided to write to CapitalOne in XXXX XXXX XXXX, UT. That was over 10 days ago - no answer to date. I have now decided to not activate my Venture card and just get my name off their records and close the account. 
Sounds easy right? Guess again. 
XXXX more calls to their customer service number First with " XXXX '' and then with " XXXX '' after 20 minutes of hearing that " if I wanted to close the account I needed to send them personal information. I came away with the same answer " Call us back ... .. '' Part of my complaint is if companies are selling products and have a customer service number, at the very least they should representatives who are capable of answering questions and then directing you to the next level. 
Speaking to someone XXXX XXXX miles away, who in parrot like fashion, only repeats the same scripted sentence or XXXX over and over again is not what the buying public wants. In addition, expecting anyone to give personal information to an individual because they are using an XXXX type name ( with a heavy accent which is difficult to understand ) is not my idea of a sound business practice. 
What I do want is to cancel all financial contracts with CapitalOne Visa Card. Since I have not activated my XXXX card I would like a letter from CapitalOne stating that the account is closed " at the request of the customer ''. The letter should state that no negative information has been sent to any of the XXXX major credit reporting bureaus which might impact my credit score or standing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I was charged twice for a payment on XXXX/XXXX/15. I contacted Kohls and also my bank to let them know. I was told by Kohls I would be receiving a refund for the duplicate payment. On my next bill ; I was charged again for the {$29.00} and assessed a returned bank fee of {$25.00}. I contacted customer service and they were of no help. I told them to cancel my account. I should have a credit balance of {$30.00}. I have enclosed copies of all my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
When Capital One Bank receives funds by EFT, it refuses to make those funds available for 5 business days. I know that such delays are intended to protect them if the funds are not honored by the source financial institution. That makes some sense for a check, but not for an EFT, unless Capital One can make a case that the source bank creates EFTs without underlying funds, which seems preposterous. Some banks other than Capital One have no such delays for EFTs ; some others I know have delays of a day or two.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for the secure Capital One credit card got approved and made the required down payment. The card arrived and tried to activate online but got error this could not be processed and would need to call to activate. I was then told account was flag for fraud to my surprised, as seem crazy for someone stealing my identity to apply for a secure card and pay with their own money from their bank account the down payment required to open the account. I was then told needed to send in my driver 's license thru a secure email link as proof showing the address I applied with and I did. I contacted them back a week later as did not hear back with confirmation card was activated. Now being told I need to also send in my SSN, bank statement and a utility bill as well. Capital One claims this is to prevent fraud but yet asking customers to provide all their personal information that someone can now decide to use and in fact steal my identity. I find this ironic and refuse the provide them anymore documents especially my bank statement which shows my full account number. I 've already provided my driver 's license and SSN which is too much information already. At this time I rather the account be cancelled and refund my down payment back to my bank account. I will put an alert on my credit report as well to make sure my identity is not compromised seeing as how a copy of my license and SSN is now in the hands of some unknown person or persons at Capital One. Where is my guarantee my information provide has not been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I received a letter from a company called Credit Collection Services saying I owe them money. First off I never heard of them and do n't owe them any money. 

I sent a certified letter asking for validation of debt within the day 30 period that the letter they sent me said i HAD. 

In the letter I sent them also included a cease and desist clause and to not contact me via phone. 

Credit Collection Services has violated the FDCPA. They have called my house 2 times since they received the letter. That is XXXX violations. Credit Collection Services never sent me proof via validation that I requested. They keep sending me bills and calling. 

Credit Collection Services also has a person name of the bill that I have never heard. Please fine them for their multiple violations of the FDCPA, plus they harassing me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
ABOUT 10 TO 11 YEARS AGO I TOOK OUT A LOAN FOR XXXX ACRES OF LAND THROUGH EITHER XXXX XXXX OR XXXX BANK, THIS BANK WAS BOUGHT BY CAPITAL ONE BANK. THE BANK SOLD ME CREDIT LIFE/DISABILITY INSURANCE ON THIS LOAN. I HAVE BEEN PAYING THIS LOAN ON TIME EVERY MONTH, NEVER LATE, NEVER MISSED A PAYMENT. NOW ALL OF A SUDDEN ALL THESE YEARS LATER I GET A LETTER FROM CAPITAL ONE TELLING ME MY CREDIT LIFE/DISABILITY POLICY IS CANCELED. BASICALLY THEY RIPPED ME OFF FOR WHATEVER I PAID FOR THIS INSURANCE EVERY MONTH FOR THE LAST 10 TO 11 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is both a billing and customer service issue. First let me state that the BBB gives a name of XXXX XXXX with a number of XXXX, with no access code, luckily I had XXXX. When you ask for the name provided then a rep tells you that " she is unavailable, but then continues to probe you for info. To me this is a clear indication that she is, but they just wo n't put her on the phone. So for that I am also reporting this company to the FTC. 
My New issue is that Capital one credited me XXXX do to an error on their end XXXX they passed the blame off to XXXX XXXX XXXX, but the XXXX only covered the XXXX plus XXXX late fees and not the interest I ws promised. i called in yesterday, spoke with a supervisor who fixed that issue just fine. I told her I had just made a payment of XXXX via XXXX Saturday and that I will call back with the reference number, so that they could verify and release the funds unto my account. I called back in with the reference # but they stated that because my account was " past due '' and " in collections '' that they could not. My account should have never been placed in that status because it was in dispute and accoding to the FDCPA If, within thirty days after receiving written notice of the debt from the debt collector, you contact the company stating that you do not owe the money, the debt collector must stop contacting you. The debt collector may renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount claimed by the creditor. And that until proof is given I am NOT required to make payment. 
Under the Fair Debt Collection Practices Act, you have the right to sue a debt collector in state or federal court within one year from the date of the violation. If you win, you may recover damages in the amount of any losses you suffered as a result of the violation, plus an additional amount of up to {$1000.00}. You may also be able to recover court costs and attorney fees. I am hoping that it will not come to this, but you will not violate my FDCPA Rights, you will not hold my hard earned money and you will not disrespect me Capital ONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I just used the XXXX app to monitor my credit, when I noticed that I could apply for the Capital One card. The approval odds were listed in green, and said " good. '' I applied, but my application apparently was n't accepted. I have decent credit, and believe that I am being descriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Financed motorcycle through XXXX XXXX XXXX on XXXX XXXX XXXX. Paid off account to {$0.00} balance on XXXX XXXX XXXX. 
Contacted Capital One about title and was informed original title was sent XXXX XXXX XXXX. Never received. Contacted again and was informed that Release of Lien was sent XXXX XXXX XXXX. Never received. Capital One phone representatives have claimed documents were sent to correct address via USPS with no tracking number. 
Included as an attachment is the statement noting that I have a {$0.00} balance on the account. Also included is a scanned receipt of purchase on XXXX XXXX. 
DMV confirmed that Capital One has to send me either the original title or the Release of Lien due to it being a paper copy. 

I originally contacted Texas Attorney General 's Consumer Protection who referred me to the Office of Consumer Credit Commissioner who referred me to the Office of the Comptroller of the Currency who referred me to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had consolidated my debt into XXXX XXXX XXXX and completed my obligation to my debtors. Kohl 's credit card will not provide me proof of my payments made to them. They say the status of my account was closed for debt collection and they will not issue statements to me. How is that legally allowable? 
I made the payments yet they will not provide me receipts or statements. I have proof of my payments through the credit organization but no proof that Kohl 's applied those payments to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My Capital One credit card account ending in XXXX went to collection around XX/XX/XXXX. Account got closed and I started getting call from a collection agency named XXXX ( XXXX ) around XXXX XXXX and XXXX told me that my capital one account was closed and had gone to collection and now XXXX was handling the account. I made the payment to XXXX for total balance and believed it to be all resolved. I also received a letter from XXXX stating that I had made full payment on my capital one account. Fast forward in XX/XX/XXXX, I did my credit score check and found Capital One balance of {$60.00} lingering on my credit report for many months. I disputed the amount but got no result from CRA or Capital One. Now, when I call XXXX, they would not even take my call and instead refer me to Capital One. When I call Capital One, they say XXXX already closed my case. Due to this erroneous reporting of {$60.00} balance occurring for many months, my ability to obtain credit fairly was restricted. I had no choice but to call Capital One and pay the {$60.00} to prevent further damage to my credit. However, I still believe that by unfairly reporting {$60.00} in my CRA reports, I was forced to pay the amount. Furthermore, it damaged my credit reputation. I request CFPB to ask Capital One to look into this matter in detail and correct their mistake, and remove erroneous reporting from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company, Kohl 's Dept Store NY is contacting my cell phone ( my cell # XXXX ) everyday at 10 times per, calling me after XXXX ... They use several phone numbers as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Reported a factual error to XXXX, XXXX and XXXX credit bureaus. 
Capital One Bank USA NA XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX They filed a hard inquiry without my consent or request for credit from them or any of their affiliates. This was a fraudulent attempt to access my credit records. As well as fraud from the credit requestor and reported as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Mailed a certified letter to this company on XX/XX/2016 for debt validation. I received the unopened letter back in my mailbox undeliverable. The address I used was the one provided on my bureau, therefore they did not validate the debt or mark it disputed within the 30 time frame allowed by FCRA. On top of that, I do n't owe this company any money. I have never heard of this company. 
Two companies are reporting on the same alleged debt on my name which is playing a significant role on me being declined for credit, bad insurance rates, and also a loan on a home.

Company response to consumer: Closed with explanation