vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been the victim of identity theft fraud for more than four years. Someone obtained my personal information for the purposes of fraud in XX/XX/XXXX and again in XX/XX/XXXX, when my car was broken into. The thieves stole my vehicle registration, a copy of my drivers license, insurance card and XXXX suitcases full of luggage. 

On or after XXXX XXXX, someone applied for XXXX capital one accounts in my name and proceeded to use it and pay the bill as if it were their own. I have reported this fraud to capital one on more than XXXX occasions and they have yet to resolve this matter. 

On or after XX/XX/XXXX, I spoke with the fraud dept at Capital One and they stated that both accounts were being removed from credit bureau due to them being fraudulently opened accounts. To date they both still remain on my bureaus. 

I want these accounts deleted from my credit file and I want Capital One to remove all negative information from their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2016 I noticed a charge to XXXX in the amount of {$390.00}. Immediately I called Capital One customer service to report I did not purchase a ticket on XXXX. The customer service representative cancelled my credit card and issued me a new card. I received multiple letters stating I would not be held responsible as I reported the claim as fraud on my credit card. Last month in XXXX, I received a phone message to call XXXX in fraud protection at Capital One. I spoke with her over the phone and I told her numerous times, this CHARGE to XXXX was NOT MINE. After that conversation I received 2 letters on the same day. One letter stating the issue was resolved and I would not be charged for the fraud charge. The second letter stated I am responsible for the charge because Capital One has me on voice recording stating I made the charge. I called and spoke with 3 managers explaining I would never have said the charge was mine, because it was not. They refused to give me a transcript of the taped phone call. I have written a complaint letter to Capital One and I am waiting to hear from them. I ca n't believe I am going through this with Capital One. I have been a customer for over 15 years. I always paid my bill on time every month and I was fortunate I have not had fraud on my credit card until now. I can not believe they would treat a customer with an outstanding credit score, like mine in this way. I am asking for your help to resolve this issue. All I want is for Capital One to honor their initial decision to remove the fraudulent charge from my credit card. The charge of {$390.00} is currently due on XX/XX/2016 and it is not fair I have to pay for a charge which is not mine. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Services has attempted to collect a debt from me for XXXX and I never established a contract with this company, in addition this company has defamed my name and character and reported false information to both my XXXX and XXXX credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have XXXX credit cards, a personal checking account and a business account with Navy Federal. My credit card had fallen a little behind due to loss of employment. I started working in XXXX XXXX and had spoken to representatives serval time regarding my credit card accounts. My rent was due, I had recently received an eviction letter from my rental company. My check was direct deposited into my Navy Federal checking account. However when I went online to check to make sure that I had enough money to cover my rent, I noticed that there was {$520.00} missing out of my account. I called Navy Federal to find out what my money was gone, I was told that the money was transferred to my credit card. I begged them to return the money, but I was told the money could not be returned. I advised them that I would be evicted, and my child would not have a place to live. I was denied my money. Then XXXX XXXX, XXXX, again I had my rent money in the account and Navy Federal took it upon themselves to take money from me again and placed it to the credit card again. This should not be allowed to happen. No financial institution should have the authority to take someones money at will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Credit card charging interest in cash advance for entire term of loan, not only until the amount of cash advance is paid. I do n't mind paying a separate interest on {$100.00} cash advance, but they are charging me a higher or the same interest separately for the entire term of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I wanted to close my capital one card years ago because it had a low limit and I was approved for an XXXX XXXX card with a much higher limit. I called to pay my balance in full and close the account. The girl I spoke with said she processed my payment and closed the account. I never heard from them again. Years later I get a call from a collection agency. I kept hanging up because as far as I knew I did n't owe anyone a dime. Then I got a collection letter about a capital one debt ( my exact balance owed when I closed the account : XXXX dollars. ) I called capital one to pay the debt. The girl I spoke with said she saw the note indicating I requested to pay the account in full and close it. Yet somehow they never processed my payment! She transferred me to the collections rep and I immediately paid in full. This NEVER should have happened. I never got a single statement nor phone call from capital one about this. My number has n't changed in over a decade. They could have told me about THEIR mistake any time. Now I have a charge off affecting my credit because some inept representative did n't do what she said she would.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for a credit card from Capital One XXXX the Capital One XXXX XXXX online on XXXX/XXXX/15 and was instantly approved. On XXXX/XXXX/15 I received XXXX a letter in the mail ( dated XXXX ) saying that I had been approved for the card and, in a separate letter, the card. 

I called into activate the card and was then told that my card had been closed because of " fraud ''. They would not tell me what the reason is or give me any more details and after spending hours trying to find an answer was finally told by a supervisor that their fraud team had spoken to someone on XXXX/XXXX/15, and that the person told them he/she had not applied for the card. They would not give me any more details, such as who they allegedly contacted or why they called that person when I had n't even received or activated my card yet. Of course I was never contacted by Capital One, only gave my contact information in the application and did apply for the card. There was no fraud involved in my application and if they claim there is I believe I should be informed of the circumstances. Applying for the card affected my credit score and negatively impacts my ability to get credit generally. I applied for a card, was told I was approved for it ( and indeed received it ) and then had my account shut down without any explanation before I could even activate it. I feel misled as a consumer and am extremely upset by the lack of transparency by Capital One, especially in a potential fraud situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CapitalOne Mortgage assumed our mortgage from XXXX. I have automatic deductions of mortgage payment from checking account. XXXX was sent back by CapitalOne and they do not give a reason but charged a late fee. On phone payment, the agent of CapitalOne gave a confirmation number of transaction yet never put it through. But, they charged another late fee. XXXX late fees for their mistakes and no accountability. On complaint, I am transferred from one agent to another and finally they say a special agent will call back. No return call ever received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
XXXX XXXX XXXX is threatening to place a judgment against me for a debt which they purchased from Capital One. I have never entered into a legal contract with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX, 2015 I received immediate retaliation because I went to local branch to ask my stolen funds as I reported to CFPB before. The interest earning on my account dropped from 1.1 % to zero percent. On XXXX XXXX, 2015 I was called by Capital One representative regarding lost interest {$6.00} on my account from XXXX XXXX, 2015 to XXXX XXXX, 2015. Because I reported the previous theft activities causing me the loss {$68000.00}, {$1100.00} interest, {$30.00} transpotation expense to go to branch 3 times, and {$200.00} per hour to collect this debt. I received immediate retaliation from the bank to drop my interest earning from 1.1 % to zero percent. I reported immediately. I was told XXXX times by the bank representative on XXXX XXXX, XXXX XXXX, and XXXX XXXX, 2015 regarding this credit. But it was never posted on my account. This bank also provided deceptive advertising on promotional offer {$250.00} for business checking account. I have completed all requirement according to promotional offer. I have sent a request to their customer service. But I never heard anything back regarding how they are going to pay. Now this bank owe me total : {$70000.00} plus {$200.00} per hour to collect this debt ( {$2000.00} ). Now I spent at least XXXX hours on this matter. Plus I suffer severe anxiety caused by this theft complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Transcontinental Credit & Collection Corp
State: NY

Complaint narrative:
I have sent XXXX debt validation letters to this collection agency. They have ignored all of my requests for validation. I do not owe this debt and they continue to pursue me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I made a P2P transfer from my CapitalOne360 checking account, using an option available on their online banking website. CapitalOne360 asked me to provide the recipient 's email ID ( and, that 's all! ) : the way it works is, according to them, the money will be transferred through " XXXX '' network and will be immediately deposited to the account connected with the email ID I gave. The intended recipient has an account with XXXX XXXX XXXX, and the email ID I entered is connected to that account. 

I made a transfer of XXXX dollars on XX/XX/XXXX. The money never reached the intended recipient 's account. He and I made a conference call with XXXX XXXX XXXX, they verified the email in fact is linked to his account, but no money ever reached XXXX. 

I called CapitalOne 360, escalated the complaint. But, I am told the terms of service I agreed was such that CapitalOne 360 is not responsible for any loss and that I should talk to the XXXX network that performs the transfer in the back-end. I called them, they said I am not their direct customer and that they can not help me. 

Now, I lost my money to some netherworld and CapitalOne blames me for using a standard P2P option available on their official e-banking site. They are not even willing to help me, bluntly saying the money should have reached the recipient or I should have already got my money bounced back. I asked them to give me the details of the recipient who actually got the money, since the intended recipient did not. They say, privacy rules do n't permit them. The CapitalOne360 senior agent to whom I escalated the complaint over the phone declined to give me a complaint reference number, saying complaints are identified by time stamp. 

This is my apartment rent payment due to the landlord. It should have reached him latest by XX/XX/XXXX. Now I am a defaulter. 

The intended recipient is XXXX XXXX ( XXXXXXXXXXXX ). This is exactly the email ID I used for the transfer. His phone number is XX/XX/XXXX. 

What are my options? Kindly help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, received a collection notice from Credit Collection Services. The creditor named is XXXX XXXX. The amount of the debt is {$1300.00}. I do not owe XXXX XXXX. I simply switched to XXXX upon renewal as I simply could not afford XXXX XXXX after they increased my rate XXXX %. As a consumer, I have the right to cancel insurance and switch to a more affordable policy. 

Now, XXXX XXXX is threatening to destroy my credit. I am disputing the validity of this debt and will be seeking legal counsel. I have attempted communication with Credit Collection Services but all they 're interested in is collecting money as the are a debt collector. There 's no concern for the consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a family member listed as a authorized on my account. I received a letter that Capital One to destroy the card because the authorized user was removed because of past criminal activity. They were arrested but never convicted. I called and was told the decision woul not be reversed. I am responsible for the account not the authorized user. Again arrested but not convicted. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
While shopping I found my debit card could not be used. I contacted Capital One bank to determine why. I was advised that the account had been garnished. This was my first notice. With help from XXXX XXXX XXXX XXXX, I filed a motion to elect exemption from the garnishment XXXX XXXX, 2015. On XXXX XXXX, 2015 the XXXX XXXX of Maryland granted the motion. I was advised by Capital One to visit the XXXX branch and give them a copy of the order and the branch could resolve the issue. XXXX XXXX, 2015, I delivered a copy to the branch and was advised that it would be forwarded to the legal department. Today Capital One has not made the account available to me. The garnishment has not been removed. The only money I have is a small retirement from the State of Maryland. I found that the retirement money is protected by law and should not have been garnished. The bank is aware as the direct deposit shows where the funds come from. I faxed a copy of the order to Capital One Bank and a copy to Capital One 360. I have n't heard from either entity. I want the money released so I can close the account. I feel that bank is not concerned with assisting me. I 'm certain they have received a copy from the XXXX XXXX. I do not understand why they have ignored this matter. Additionally, in XXXX and XXXX they charged me {$8.00} service charge for each month the account was not available to me, nor serviced by them. I want them to restore the service charges and allow me to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am a month behind on XXXX of the XXXX credit cards I have with Capital OneOn XXXX they left a message, on XXXX I talked to a human and explainedThey said ok, we will be looking for a payment on XXXXXXXXOn XXXX they left a message at XXXXXXXXI called back and talked to a human at XXXX and explained a paymentis already scheduled, why are you calling and harassing me? 
They said they would note it on my account, like the other XXXX people weresuppose to do, and not to keep calling me. 
Then, they called me AGAIN at XXXX about the same thing!!! 
I AM BEING HARRASSED!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One was not clear about their promotional offer for 0.0 % APR for 18 months. I just bought a house and was going to use the offer as a free loan to buy all the furniture I needed for an empty house. After spending XXXX in one month, I received a bill for the " Purchase Saver Amount '' for the full amount ( or I would pay interest ). When I signed up for the promotion, I was under the impression that I would not have to pay any interest on future purchases for 18 months. After an online chat and a phone call with Capital One, I was informed that the offer only applied to balance transfers and did not apply to future purchases. Not only would I not have signed up for the promotion whatsoever had I known that it was only for balance transfers, but I also would not have spent XXXX in one month! I saved the promotional email which is deceiving. It explicitly states " Want to avoid paying interest on new purchases? If you accept this offer, you can avoid interest on new purchases. Pay the Interest Saver Payment ( your minimum payment plus all non-promotional balances, including purchases, cash advances, fees, and finance charges ) by the due date each month, and you wo n't pay interest on new purchase transactions '' I do n't need a promotion to pay my credit card balance in full every month. I can do that without jumping through hoops to sign up for their promotion. This is the most deceiving fraudulent experience I have had in a long time! This deceptive tactic tricks users into signing up for a promotion where they believe their problems are over and they will have 18 months of no interest, so that after the users ( who probably would n't have spent the money anyway ) rack up a massive credit card bill, they tell you you must pay the entire balance to avoid interest! Truly unethical. This practice needs to be stopped. Companies like this are why the average American is in XXXX of debt. I lost {$300.00} balance transferring the amount away from my Capital One card onto other credit cards that " actually '' are giving me 0.0 % APR. I will be closing my account ASAP. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
trying to log in to my bank for almost week. I called 3 times and get the same XXXX XXXX people are aware of the problem, and they are working on it.. I need to get in to my accounts. I have to pay bills etc. I do not think that their issues should affect me..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has not refunded my security deposit. I closed my account in good standing and with a XXXX balance weeks ago. Capital one is dragging their feet, basically holding my security deposit hostage for absolutely XXXX reason. I have XXXX dollars that they took out of my account in a matter of hours, but when it comes time to return the money ... ..they take weeks. Absolutely unacceptable. I feel capital one is attempting to punish me for closing my account and taking my business elsewhere. This is a violation of my rights as a consumer and also illegal. Please refund my deposit immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I requested Capitol One to credit my account for XXXX dollars. I disputed acharge for a transaction submitted from XXXX XXXX XXXX on XXXX/XXXX/15. I didnot authorize this transaction. I demanded a copy of a receipt from DirectTax signed by me. Capitol One refused to provide it. I am seeking a fullcredit of XXXX. My card number is XXXX visa XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Capitol One entered XXXX hard credit checks against me today, and I have no business with Capitol One. Please remove it.

Company response to consumer: Closed with non-monetary relief