vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One is reporting inaccurate information on my credit report as to late payments from a credit card I had with them which is negatively effecting my credit. I have tried to dispute via the credit agencies in which Capital One is ignoring. I even contacted Capital One but they advised they sold the account and no longer have control of it. This is for a credit card that had a credit limit of {$300.00} and was opened in XX/XX/2011.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was put on a payment plan with Capital One Auto Finance and completed the plan. They stated I am contractually current with a confirmation number. However they have reported me as 180+ days late since completing the plan and it 's been more than 30 days since I completed the plan. I believe they have violated the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a credit card with Kohls, I was making monthly payments on my account that had a low balance strictly for the purpose of failing my credit scores, I got an alert on my FICO app saying my score dropped XXXX points because of a 30 day late payment, I had paid the balance the day before, apparently they were adding a {$37.00} a month fee because I was not paying on the exact dat, they did this for XX/XX/XXXX,XX/XX/XXXX, making my minimum payment not enough, not telling me this. I called an Kohls said there was nothing they could do, I canceled my card after paying a {$1.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX/XXXX/16 I requested that a wire be sent from my checking account at Capital One to XXXX XXXX XXXX XXXX ( a fully licensed New York State virtual currency dealer ). I had previously sent a wire to the same company XX/XX/XXXX. This time however, the wire was never sent and when I contacted the bank they indicated that my accounts were frozen. Over the next few days I placed numerous calls to Capital One and was directed to either the security dept of XXXX, both of whom have hold times of over an hour. I spent a total of approx 6 hours on hold over a 2 day period only to learn that my accounts were being closed because the wire I requested was being sent to a company which deals in XXXX, a virtual currency. This prohibition is not in their terms & conditions nor in any other pulished material provided by the bank. Apparently Capital One bank considers bitcoin a threat to it 's business model and sees fit to keep people from spending their own money how they see fit. I was annoyed, but it is what it is. I requested that Capital One please transfer the balance in my accounts to my linked account at XXXX XXXX. They said it may take a couple days, but that they would do so. Additionally, they said that I would receive and email detailing why my accounts were closed. That conversation occurred on XX/XX/XXXX. I have tried to follow up many times but the bank has actively avoided speaking to me about the issue. I have been disconnected multiple times while holding for the dept who would be able to provide answers. If it occured once or twice, I would accept that it was just a disconnect ... but when it occurs 5 times and ONLY when I am holding for the XXXX XXXX Dept., then the chances of it being random are astronomically low. They are currently holding approx {$10000.00} and have given no reason for the siezure nor any indication that they will ever return the money. There has been no levy, garnishment, tax siezure or anything of the sort. I have not committed fraud nor am I under investigation for anything ( though I guess if I were, I would n't know about it, would I? ) As far as I know, they can not sieze depositor funds at will with no reason provided. I would like my money please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Someone either applied at capital 1 in my name or capital 1 ran my credit themselves, I DID N'T AUTHORIZE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
communication tactics Seized or attempted to seize property Used obscene, profane or other abusive language continue to advertise property as foreclosure after debtor seek relief In the days following bankruptcy filling. the debt collector capital one, Na law firm XXXX XXXX XXXX XXXX have approved the use of XXXX or even orchestrated it .from evidence and actions and the pride inspired by this third party .the debt collector only way was to play on the old fear, bulling and treacherous. 
inflict XXXX to collect a debt, that include the third party inflicting XXXX orchestrated by XXXX XXXX XXXX XXXX and capital one, Na these debt collector moral compass is off course. they seem to have take the position that they are above the law. 
Portraying their actions as perfectly permissible. TO COLLECT A DEBT. The debt collectors CAPITAL ONE, NA 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 2016-06-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A Capital One credit card was opened in my name in XXXX/XXXX/2013. I did not apply for this card and I never used the card. Capital One can has NO receipts with my signature. 

I am asking that this account be removed as it is not my account. I never applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Every time I add a new person to online bill pay and send that new person a payment through online bill pay, CaptialOne360 locks my account until I call them on the phone. To call them on the phone, I have to wait on hold for more than an hour ( when this happened yesterday, I had to wait 1 hour and 11 minutes ). The effect is that, without warning, the bank unilaterally locks me out of account access, cutting off all access to my money, unless I wait hours on the phone. They also sent me a misleading and coercive email in which they threatened to close my account unless I called them. On the phone, when I asked them about their threatening to close the account, CapitaOne360 SAID AND FULLY ADMITTED THAT THEY DO NOT ACTUALLY CLOSE ACCOUNTS AND THAT THE EMAIL PURPOSEFULLY THREATENS TO CLOSE CUSTOMER ACCOUNTS IN ORDER TO COERCE CUSTOMERS TO CALL and waste hours of their time if a customer wants to get access back to the customer 's money, even though the bank will never actually close an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I applied for a Capital One Venture Card. The disclosure notice stated that the Annual Percentage Rates ( APR ) are 12.9 %, 17.9 % or 22.9 % depending on one 's credit worthiness. I was surprised that I was assigned the 17.9 % APR upon approval and after Capital One ran my credit through XXXX. I had a recent XXXX credit score of XXXX, generally considered excellent. After seeing the rate Capital One provided me I immediately ran a credit check through Experian and I found no potential negatives on my credit report with all accounts are in good standing. I XXXX attempted to inquire with Capital One as to why I would not receive the better rate, and they said that I had agreed to the terms offered, that I should read the terms and they could not provide me any further assistance. In fact, I believe their application provides a range of APR 's until the applicant submits the application and then the applicant discovers what rate Capital One has granted the applicant. It is quite possible that Capital One has a standard that I did not reach with regard to credit worthiness. Unfortunately, I can not help but wonder who does qualify for the lower rate they advertise. With excellent credit, I would like to know why I did not qualify for the lower rate. If Capital One has a very narrow qualifying criteria for the lower rate, they should disclose what score is necessary to obtain the low rate or not advertise the lower rate. Generally, I believe Capital One should also be more transparent and forthcoming with what their standards are for interest rates for applicants.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I just purchased a new home and with this transition we had our internet disconnected so we never received our emails on a daily basis. Due to my move I never received a statement or notification regarding past payments. On XXXX XXXX we were reported as late on my credit. We have never been late since I opened this account in XXXX. This late payment is affecting my credit and I would like it deleted from all XXXX credit bureaus.

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

Complaint narrative:
Capitol One account # XXXX was a secured credit card account, started with a {$1500.00} deposit pushed up to {$2000.00}. Capitol One never applied deposit to amount owed on account and now have posted it as a charge off for the full amount and sold the account. But Capitol One still has account security deposit. That in itself makes the credit inquiry false and also is fraud. 

I contacted company and they could not tell me any information saying account was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I paid {$200.00} toward my balance on XXXX XXXX. My due date was XXXX XXXX. After that date passed, I began receiving collection calls stating my account was past due. When I explained that I made my payment early, the representatives kept saying that the payment I made on XXXX XXXX went toward my XXXX balance, even though I already paid -- on time -- in XXXX. They then stated I would need to make ANOTHER a payment for XXXX to get my account current. They claimed there was nothing they could do in their system to apply the XXXX XXXX payment to my XXXX XXXX due date. And even by making the additional payment, there was nothing they could do to make sure my " late payment '' would n't be reported to the collection agencies. On top of everything, each representative I spo to seemed to have no idea what my problem was! They could n't understand that my payment on XXXX XXXX was an EARLY payment for XXXX XXXX. Whether it was due to a language barrier or sheer incompetence, the company line of " I ca n't do this, that 's not possible, nothing can be done '', XXXX, is terrible customer service. Try being more solution-oriented and stop treating paying customers like criminals by sending them to collections. How dare you treat me that way and then have the audacity to charge me an additional payment forcefully so I would avoid having a ding on my credit report. 
As of today, my credit report now shows that I was over my balance limit. It went over balance due to a late-charge fee, which they then removed. The over-balance information is now currently wrong, but it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One is reporting a 90 day status to the credit bureaus on a closed account with a paid zero " XXXX '' balance that has been paid per all records ( Capital One, XXXX ect. ) since at least XXXX 2011. Account number XXXX .... I recently filed a dispute through XXXX and the company " updated '' the record but did not remove. I am not aware of any updated status. According to credit bureau records the account should be deleted ( fall off ) next month. Capital One with it 's enormously poor record with the XXXX as well as other sources remains a concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Friday, XX/XX/XXXX, I received a letter dated Sunday, XX/XX/XXXX from Capital One Bank USA National Association, XXXX XXXX XXXX, Utah office stating they believe someone, using some of my personal identity information, recently opened up a fraudulent credit card account with Capital One in my name. The letter did not state whether or not Capital One actually issued a credit card to anyone, but stated the credit card account number ended in " XXXX '' and that I may be a victim of identity theft. The letter further stated Capital One 's customer fraud protection team is investigating this identity theft matter under their case # XXXX. 

During my call to them ( XXXX ) on Friday, XX/XX/XXXX, they essentially repeated what was stated in their notice letter and reiterated I need to report this identity theft matter to all the credit reporting agencies, which I am in the process of doing. 

The customer service representative then indicated Capital One has also set up a second case # XXXX which they are investigating. The representative said the second case involved a fraudulent credit card account that was opened up in my name with Capital One in Year XX/XX/XXXX by someone using some of my identity information. In the second case, the representative said, a credit card was actually issued and an unpaid balance was charged to it. 

No further information was or has been provided to me by Capital One National Association. 

For information, Capital One did make an inquiry on my accounts with all three credit bureaus on Saturday, XX/XX/XXXX, but did not show any balance being owed by me. 

I have never applied for, nor have I ever had, a credit card with Capital One National Association.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I based my decision to put up my deposit on the contract based on the good faith estimate given to me by Capital One bank. Upon receiving the HUD1 the estimates changed dramatically whereas now I ca n't meet the closing cost. Now that I canceled the closing they are sending me bills for attorney fees, title search appraisals etc. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened up a credit card with Capital One in XXXX of 2015. I went online to setup auto-pay for my XXXX payment, but the system was down. I called and spoke to a woman who walked me through the process over the phone. I gave her my banking information and was told everything was all set. I track my credit closely XXXX, and received a notification that my score had dropped almost XXXX points. It was due to a XXXX delinquency with Capital One. I immediately called Capital One to discuss the situation. They appeared to be understanding. I was told they would no longer report this to the bureaus. I then received a letter saying they will not be removing this from credit reports. I called yesterday again to discuss the situation and was told there is nothing they can do. I am frustrated because this was a human error on their end and did not follow through with their promise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Signed up with Capital One Venture card with a limit of {$25000.00} for the fact they were offering 12 months no interest. I have been accumulating interest on the account prior to the 12 months. Spoke with numerous representatives at Capital One to resolve the issue. Have been told several times that I would be contacted back after further investigation into the account. I have still not received any calls, besides to collect payment which I am no longer interested in making until the issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My Capital One card initially called to assist me with payment so that I could avoid being late on the payment and mislead me and it keeps reporting the late payment. I had contacted them numerously about this and they refuse to rectify the bad reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
hi I filed b.K IN 2010 I applied for a capital one credit card at a high rate interest rate however I knew this this was to get me back on my feet I have a credit score now of XXXX I have tried several times to talk to them they tell me to reapply for other cards with them I do they turn me down I call them to see if they can lower my interest they turn me down now I got a new statement they raised it now to XXXX per I need your help they are using my B.K and are robbing me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX, i sent capital one a payment to my account in order to raise the credit limit on my account. When I called Capital one and asked why my deosit wasnt posted to my account, they stated that it is because it does not say a record of them even receiving a deposit from me. On XX/XX/XXXX, capital one bank, me and my bank, XXXX the phone to verify the deposit. Which come to find out it was cleared on XX/XX/XXXX of XXXX by my bank. So capital one has stolen and took my money and did not post it to my account. So I had to file a compliant

Company response to consumer: Closed
Consumer complaint received 2016-08-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Neiman Marcus Dispute Customer since XXXX, no missed payments. 
On XXXX I checked my Neiman Marcus / Capital One account to see if the Credit was issued on my account for a return " Claim Complete Credit '' for package not received only to find my account was CLOSED due to " High Returns ''. 

This claim has been going on for a month and still no credit. As of today XXXX I have yet to receive a refund. 

I have had to escalate this on multiple occasions to get someone to take care of it and still it has n't been resolved. 

My high level of returns is due to 99 % of my purchases are done online. Items returned do to fit or item not as described. 

I feel my account has been closed due to the multiple escalations to management for the still open claim. 

Furthermore, I am being damaged by Neiman/Capital One on my Credit Report in the form a decreased credit score from the abrupt closure of my account. I take great pride in maintaining a high Credit Rating and will stop at nothing to insure that my rating remains in good standing. Please find the attached documents which I have sent to Neiman Marcus Card Services. 

Please see attached letter, which has also been sent via USPS certified mail. 

About $ XXXX yet to be refunded / credited by Neiman. Please read attached letters before contacting the consumer. Silence is acquiescence

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had a Capital One credit card back in 2000 or so. I got rid of it because it was not affordable anymore. I was contacted by the bank once or twice. I paid what I could. They, in turn, waited 19 years and now are garnishing my check for about XXXX % of the gross. I thought the limit was XXXX % of the disposable income. So now my wife and I can not pay our rent on time, it is hard to make car payments, get groceries, etc. They have put us in a position where we can not afford to live in XXXX County and have nowhere else to go. My wife is disabled and I am her caregiver. I need to know if you can help me and if any complaints related to this one have been filed with you.

Company response to consumer: Closed with non-monetary relief