vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-22 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: NE

Complaint narrative:
Due to personal circumstances, I missed XXXX payment on my credit card in XXXX of XXXX, resulting in a late fee, which then resulted in an over-the-limit fee. Thereafter I continued making minimum payments for an additional 6 months. However, these payments did n't affect the balance on the card due to being continually charged an over-the-limit fee. I tried speaking to the credit card company, but not only did the person I spoke to have very broken english, they also refused my requests to cancel or freeze the account to stop the continued rising of the bill, regardless of payments being made. 
The only way to stop this from happening to the best of my knowledge at the time, was to stop making payments. Which I stopped making in XXXX of XXXX. I was then put into default. 

I originally signed up with XXXX as the credit card provider in late XXXX, then the creditor was sold to Capitol One, and terms drastically changed and so did customer service. My card was reported stolen in XXXX of XXXX, so XXXX different accounts are represented via my credit report, however they are the same account. I also had 70 months of continuous on time payments with this credit card, with XXXX 30 day late, then another XXXX payments after. 

With the company changing hands, I believe the fair service went with it. Due to this I was at a loss as to how to handle this situation with this company, and only today becoming aware about the ability to file this claim. 

I 'm also initiating this because of a judgment issued to me in what I believe is XXXX XXXX, shown via an online credit reporting website. I was never notified of this action or pending court date. I only became aware of this situation after I was given a letter by a seasonal employer, XXXX, which stated they would start to garnish my wages. I am no longer employed with this company, as this was seasonal work, and no garnishments were made. I then went to both credit reporting websites ; XXXX XXXX, and XXXX, in an attempt to find out what is happening. Both sites show that there was a default judgment in the amount of {$1600.00}. My credit limit was {$1300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My wife and I recently applied for a home loan and noticed several errors on our credit report. XXXX in specific showed a liability of {$9100.00} to " Capital One. '' I have never had a credit card with Capital One and the first call I made to them was exhausting. The women was rude and not helpful. Eventually I was transferred to the fraud department and they told me they would send me a fraud packet. I never received anything. I called again and was transferred to the fraud department and I told them my complaint and that I had never received the fraud packet. They informed me that their findings determined that it was not a fraudulent account and that 's why they never sent me anything. I also received a letter from the IRS stating that I owed money since the account was written off. I have been unable to obtain any information from Capital Once regarding these charges they allege I owe. I asked when and where the account was open, if they had my signature on file, I asked for a detailed explanation of all the charges. The only question they answered was that the account was closed in 2009. I have contacted the IRS and they are investing my claim as well. I maintain that this account is not mine and was opened without my consent. I have called capital one 3 times and I still have no answers. I want to know how and when this account was opened? A detailed list of all charges? They stated this account was closed in 2009, who closed this account? Why was it closed? Why is this the first time I am hearing of a debt to them? This account was closed in 2009 ... .7 years later and the only reason I found out about this account was because it came up on my credit report and I received a bill from the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently applied for a secured credit card from Capital One. On XXXX XXXX, 2015, I received written notice my application was accepted and I needed to forward a refundable security deposit. I made an online transfer from my bank for {$500.00}. Capital One received payment on XXXX XXXX, 2015. Approximately two weeks later I received my card. Today, XXXX XXXX, 2015, I attempted to sign up for online banking with Capital One and, after completing the application, was told my card was restricted. I did a bank chat and was told to call XXXX. I called the number and it was the fraud department. I was told the company determined I was not the one who opened the account ( I definitely did! ) and that my application was fraudulent. When I pressed for details, asked why they took the {$500.00} from my account and how they determined the fraudulent status without contacting me, I was told they did n't have that information. When I, again, questioned the withdrawal of {$500.00} from my account, I was told " if you really want to get it back you need to call from your bank and have your identity proven by a bank representative. '' The phone representative was equally evasive when I asked why I had not been contacted by the bank and why the company would have send me a card if the application was deemed fraudulent. Still, no reasonable response. I was told that I could reapply if I wanted to. Needless to say, I want no further dealings with Capital One but I DO WANT MY {$500.00} DEPOSIT BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I disputed charges on my credit card XX/XX/XXXX with Capital One. It appeared my credit card information was stolen as there were almost {$1100.00} in charges that I had never seen before in a period of two hours on one day. I notified Capital One and spoke to XXXX different people confirming the matter. I was advised I would not be charged for it and the charges would come off my card. They did and a new credit card with a new credit card number was sent to me. The case was then closed. Fast forward to XXXX/XXXX/XXXX and I received adjustments on my new card of over {$1100.00} for those same charges!!! I called as soon as I saw that and after XXXX minutes and no less than XXXX representatives, I got nowhere. I received XXXX different answers and a promise that a manager would call me to resolve this by the next day. No one called. I then tried resolving via online chat to no avail. That rep told me managers do not call customers ... I demanded to speak to their manager via chat who was of NO help. He refused to give me their legal department 's contact information and told me I have to call in ( again ). I told him repeatedly that I do NOT have time to waste another 40+ minutes for their mistake in which they are now reporting that balance to the credit reporting agencies. He would not assist and kept repeating I must call in. I made it very clear I was going to resort to a complaint with the CFPB as I can not repay {$1100.00} that I do not have. I am a XXXX person with medical bills that must be paid or I die. I am devastated by all of this and just want it resolved. Capital One will NOT address the matter. They claim a letter was mailed ... I never got a letter. They will not resolve via phone ... I keep getting transferred or told I need to call back or placed on hold for large periods of time. 

Please help me. I do n't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX I received a paper application from Capital One XXXX XXXX Signature card stating that I was pre-approved. I called the company to ask whether there would be a hard credit pull. I asked this because I have excellent credit and intend to keep it that way. The phone representative guaranteed me that there would be no hard credit pull since I was pre-approved, and that would be true whether the application was via snail mail, online, or by phone. On XXXX XXXX, 2015, I applied online and received the card soon afterwards. I have always paid in full on time. After checking my credit report, I realized that Capital One had gone against its verbal promise and issued a hard credit pull. I called the company and made a complaint, requesting that the hard credit pull be removed as promised. The issue was forwarded to a representative named XXXX. He called me on XXXX stating that the company was not able to trace my phone call, that there is fine print stating a credit check will be performed on all online applications, and that Capital One would be unable to remove the credit pull. I told him that his results were unacceptable, asked him to recheck the phone records, and gave him a home phone number to check even though I believe I made the phone call from my cell phone. 
I am asking that the hard credit pull be removed and that Capital One train their representatives to avoid this situation in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
Bank of Albuquerque referred this account to an attorney and initiated a foreclosure action before properly reviewing my modification request, which has been pending for a long time now. I have never received any decision from Bank of Albuquerque regarding my pending loan modification/loss mitigation application. 
As a result of Bank of Albuquerque 's failure to assist me with my application, I requested assistance from XXXX ( a HUD-approved housing counseling agency based in XXXX ) since the XXXX. XXXX has been assisting me with trying to preserve my home ; they have submitted a workout package/loan modification/homeowner assistance application, which is pending review. 
XXXX has informed me several times throughout this process that Bank of Albuquerque staff is often unresponsive and not helpful in trying to process ( and expedite ) my loan modification request. There has been no continuity of contact -no single point of contact- to assist with loss mitigation options, as required by law. The times I have contacted Bank of Albuquerque to discuss my options and pending loan modification/loss mitigation application, there is an unreasonable wait time, being put on hold, and ultimately never getting to speak with the " right '' person. If this lender/servicer would be cooperative, as required by law, perhaps the process for me to obtain a modification and get current would have been easier and without so many roadblocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I did not know there was a balance after the disputed item were credited back to the account. And even if that was the case, why was n't the due balance automatically debited from the checking account like it has been done for the past 6 years, which I was NEVER being late. I made a payment via mail for XXXX on XXXX/XXXX/2016. I have not access to the account anymore because it was blocked by the bank, which made it impossible to make a payment. 

I would have not put myself through all this XXXX for {$38.00}, and this headache. The company still have not addressed the following issues, It MUST be addressed by next week or it will result in additional complaints filed with the FTC, CFPB, XXXX XXXX, and the NYS XXXX. 

First, the company must remove the late payments as the outstanding balance should have been deduct via automatic payment as it has always been done for the last 6 years. I am not paying {$80.00} in late fees for {$38.00}, that is pure abuse. 

Second and most importantly, The inaccurate information reported to the credit reporting bureaus in regards to the late payments, and closure of the account, MUST be retracted, deleted and removed. 

Failure to comply with my demands will result in additional complaints to be filed with the FTC, XXXX, XXXX ( local and national ), and the NYS XXXX. 

Thank you for your attention to this matter and I very much appreciate any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one have systematically changed unnecessary overdraft fees on account to delay components that are in volition of due process, denial ofmeaningful access to support programs, activities and services due as capital one withholding information that is being Altered and changed information of XXXX to illegally transfer exemptions value rule, modified endowment OF contract changing classification section XXXX, denying of grandfathering provisions, causing massive and major suffering on family economic resources as capital one continue to interfere by charges of unexplained and unnecessary overdraft fees causing hardship and economic losses

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had signed up for " Payment proctection '' with Capital One for my credit card. I stopped paying due to financial issues and now they are suing me in XXXX XXXX Court. 
The payment protection add-on I paid for was described to be me as an insurance against a default. The company said I would be covered but they refused to honor their promise and now I 'm being sued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I recently set up a checking account with CapOne360. I deposted {$4000.00} into the the account. I received a message saying it would take a week before the funds would be available. Once the funds were finally availlable, I set up a wire transfer so that I could transfer funds into my personal checking account. I received a new message saying that I would take three business days to establish the new wire transfer account. Once the account was finally established after the three business days I attempted to make a transfer into the newly established account with the available funds and I received a new message saying that Cap One would hold the funds for an additional three days before the funds would be transferred to the new account. Is this legal? If it is, it should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I am the subject of a fraudulent marketing scam which charged my credit card, Capital One, for hundreds of dollars. I requested assistance from the credit card company who refused to assist me with the issue. I called the credit card company and they dropped my call. I then spoke with a supervisor at the credit card company who assured me that their specialists would call me the next day at a specified time which did not occur. The following day I spoke with a " specialist '' who, after reading the notes on my credit card account, started off with " unfortunately '', at which time I ended the call and cancelled the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One sent me an approved credit card with a XXXX XXXX dollar limit. This sounded like a good idea since my XXXX credit score was obliterated due to a house staying on the market for twenty months from XX/XX/XXXX to almost XX/XX/XXXX while trying to pay the new mortgage on the house we had moved to. After having the new Capital One card for a short period of time, they began sending me e- mails telling me that if I would update my personal info they would increase my line of credit. I did n't want an increase so I NEVER updated my profile. They increased my credit anyway. Because our finances have changed for the worst over the last several years there were many times I used the card still thinking I could get the balance under control. We are a family of XXXX living on XXXX annually, not so easy to do. Capital One offered me another card with no interest for nine months. I decided at least I could switch the balance since the previous card 's interest rate was now around 23 % and my balance was getting high. After I received the card I was told I could not transfer my previous balance to the new card so I was stuck. The first card has such high interest and I was trying very hard to pay it down but to no avail. Then with the new card they kept increasing my credit, again without me requesting this. Now the promotional interest rate is gone and the new rate is around 25 % just like the other and no matter how much I sacrifice here at home I ca n't get my head above water with reducing my balances with these XXXX Capital One cards. I understand I am responsible for what I charged. It just seems to me they are even more responsible and their predatory practices should be investigated. They are taking great advantage of the consumer. I know I 'm not the only one. My only goal was to help repair my credit. Now I am XXXX in credit card debt to these people and I do n't even know how it happened. It happened so fast. I have always been very responsible with my bills, but these last seven years have been like a financial nightmare. I wish I just had my bad credit and had never heard of Capital One. It is definitely affecting my health. I feel like a fool. Thank you so much for the chance to tell my story and I hope it will help other consumers in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
I found and contacted the seller of a XXXX for {$1200.00} on XXXX on or about XXXX XXXX, 2015. The seller is listed as : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXXAfter a series of communications, the seller gave me an XXXX Payments Order ID XXXX, asked that I send the purchase price through MoneyGram to that company 's attorney, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. This was done on XXXX XX/XX/2015. 
I learned that the funds were picked up by XXXX XXXX in XXXX XXXX on XXXX XXXX. 
I have sent a number of emails to XXXX XXXX asking for a status report with no response. 
I want to knowXXXX Is this a scam or not,XXXX If yes, how do I get my money back? 
XXXX How can we stop this experience help stop future scams

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This is XXXX of over XXXX cases that I have opened or filed with various legal organizations including the XXXX, XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX Attorney, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Attorney, XXXX XXXX XXXX XXXX XXXX 'XXXX Prosecuting Attorney, XXXX XXXX 's XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Police Department, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 's Police Department, FBI, XXXX Police and the XXXX. 

Case Status Submitted to the XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, ID XXXX On XXXX/XXXX/XXXX, received feedback from the XXXX, ID XXXX On XXXX/XXXX/XXXX reported to the XXXX On XXXX/XXXX/XXXX reported to the XXXX ; their response, posted below, was received on XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, submitted to the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau. 

Case : 1. Fraud Case Description 1. Fraud. I am a XXXX person living in XXXX. This past XXXX, due to my inability to make payments, I contacted Capital One 's customer support team to close my account, card number XXXX XXXX XXXX XXXX. After " closing '' my account I requested email confirmation of account closure, which they refused to provide. I asked to speak with their staff 's supervisor who also refused to send me an email confirming that my account was closed. I believe that they record these conversations. 

XXXX, I contacted their customer support team again, this time via chat, pasted below and attached. They confirmed that my account had been closed. 

Today, I checked my account online and discovered that my account is not closed but suspended and that Capital One is charging me over 22 % interest. 

Last week I contacted their support team again asking for a customer service email address that I could use to contact them. They never replied to my request.

Company response to consumer: Closed with explanation