vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My debit card was lost or stolen on the XXXX of XXXX 2016 and I immediately called the bank. They continued to forward my call to three different people when I finally talked with their security department. The woman named XXXX immediately started questioning me about the name on the check that I had deposited not even 24 hours before. Finally after all of her questions she told me that a withdraw was made at an ATM for {$800.00} and asked if that was me, no and I replied what do you mean I did not even deposit the check 24 hours ago, how could it clear so fast? Then she started making comments about this being a common scam. She said she was going to restrict the account and to wait 2 to 3 days for a determination after investigating. When I finally got to speak I told her " THE REASON I CALLED IS DUE TO MY DEBIT CARD MISSING ''. That is all she said and when I got off the phone I immediately sent a written statement to them regarding what had happened. I got the e-mail and told me to click on a link to see the message, but because of the account being restricted I could'nt get past the sign in screen. I also received several phone calls from them from different people, but when trying to connect back I could not talk with the same person. Today I received a letter from them again and it states that " we finished looking into your dispute and did n't find any errors ''? I did not know that I filed a dispute? Today is XXXX XXXX, and I called them to report the stolen or lost card on the XXXX, no one ever treated this as an un-authorized withdraw from my account and no one ever told me what was going on and I could get any information through trying to look at my account because of the restriction they placed. They are being very rude and unprofessional and I have never been so humiliated in my life! I thought that my debit card was protected by EFT Transfer Act, and Regulation E. I am still in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a victim of fraud on my account XXXX times in one year from Captital One 360. Each time, I am required to wait up to XXXX hours for pending payments to post so that I can then dispute them. I am left without funds in my account for the same amount of time. I have repeatedly ask Capital One 360 to change my primary contact number to my mobile number so that I am immediately notified of any fraudulent activities. I also receive no compensation for any loss of time or inconvenience being caused by the repeated fraud this bank allows to happen on my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a mortgage modification with Capital One. The modification was granted. During the trial period I made all payments as agreed. The company reported me 30 days late for 3 months during the " trial period '' even though none of my payments were late. I have gotten other modifications and no other bank reported me as 30 days late during the trial period. This is horribly unfair as obviously I have been having some financial difficulties. But I complied exactly to their requested payment. My credit score dropped XXXX points and this effect will go on for years. Punishing me for the modification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I know I owe {$250.00} to Kohl 's department store. I keep getting phone calls ever since I missed my first payment. I have expressed to them that I still have not had a shift so I can be able to pay off my debt. I 'm always told at the end of the phone call that my situation is documented, but I keep getting called every day and asked the same questions over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX applied for XXXX loans to get a XXXX submariner and was rejected. He subsequently used a Capital One Credit Card to make the purchase. All security channels deemed it high-risk except XXXX. XXXX cleared it and so we shipped the watch. An adjustment was made in the order when I informed him that the specific model he ordered was no longer made by XXXX and under their warranty. After which, I refunded him the difference. The watch was shipped. He returned the watch, but the watch weighed less that it did when we shipped it. We subsequently, returned the watch to him. He submitted a chargeback claim stating that he never received the watch. However, that is not true. Accordingly, Capital One did a chargeback on the transaction and XXXX XXXX has his {$13000.00} and the {$13000.00} XXXX watch. Since we have been negatively impacted by credit rating and with XXXX, we request that we receive our money plus expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On the day of my visit at the old XXXX XXXX branch I was approached by a personal banker. This banker asked me what I needed help with. I advised him I needed several things such as ; cashing my check, making a deposit, and making a payment on a credit card. Unfortunately I did not get the personal bankers name. The personal banker asked if I had ever used the mobile app to make a deposit. I respectfully answered no. I advised the banker that I needed my funds today and I was unsure if I made a mobile deposit that my money would not be quickly available. The banker asked the amount of check and who it was from. I advised the banker that it was from my new employer. He asked why it was not deposited by direct deposit. I told him that this was my first check and they usually give a live check. I once more reminded the banker I needed my full funds today. Having that I had lost my job last month and this was my only cash that had came in within the last 4.5 weeks and needed to pay all my bills. Having that my bills were already past due including my car payment and rent. The banker advised not to worry that he would be able to take care of that for me. I dearly trusted this man so I used my mobile app to deposit the check in his presence. Once completed he then looked in the system and stated that only XXXX XXXX dollars would be available until the check was cleared for funds which could take up to 3 days having that it was Friday. I was speechless. I clearly had told him my financial state and he clearly disregarded it. I was very upset and I just did not want to be in this branch anymore. So for that reason I shall never go in this branch and or did recommend it. I understand it is not the entires company 's fault of how their employees work. But as company some bankers are giving Capital one a bad name and making us not trust you with our money. I would want this complaint to be read by the office of the president. As I would like to know what will be done to correct this issue company wide. Having that I now know that the bank branches get credit for each mobile deposit made within their facility. I felt very used and cheated out of my money. Now I am having my doubts whether or not I should even bank or continue financing one of my vehicles with Capital one. At this point I feel it 's worth to reconsider my auto loan, XXXX credit card loans, and my personal checking account. I trusted this bank having that I clearly have done business with them I believe it is intresting that the bankers are the ones getting credits for making us deposit a check through the app within their facility and not letting the tellers do their jobs. At this point that I have the availability of depositing my own check electronically what is the point of having tellers or bankers?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
For the month of XX/XX/XXXX, my Capital One credit card was due on XX/XX/XXXX. My statement balance was {$280.00}, however, I had a higher balance from recent transactions. I paid {$500.00} from my XXXX on XX/XX/XXXX and it came out of my checking account on XX/XX/XXXX ( see attachment ). Since I paid my entire statement balance, I now have no payment due until XX/XX/XXXX. I am enrolled in text alerts from Capital One for purcahses, payments, etc. At XXXX on XX/XX/XXXX, I received a text saying, " Capital One Alert : Your payment of {$280.00} is scheduled for XX/XX/XXXX. Contact us if your payment details are incorrect. '' I was sleeping at this time, so I know I did not schedule this payment nor did not contact Capital One until XXXX the same day. I was told that yes, a payment had been scheduled via a Mobile device and could not be canceled. I reviewed my payment history and at least since XX/XX/XXXX, I have used XXXX to make my payments to Capital One, but this time, it was scheduled from my husbands XXXX account. Back to school time and a XXXX, my husbands bank account had a very low balance that was not able to cover this {$280.00} payment. My husband called his bank and they said that nothing is pending or posted as of yet and to keep an eye on it. As soon as he sees something come through, he will need to contact the bank so they can flag it and cancel the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The processing department at Capital One does not process the payments on day received, causing late fees and interest charges. Capital One states it takes 10 business days for payments to reach them. I have mailed payments well before the ten days and they still hold the payment for posting up to 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I recently had repossession of my vehicle, The vehicle was under mine and my wife 's name. I went through a divorce. Never spoke to her. She had the car for 2 years without making a payment..capital one never contacted me ..until a a couple of months ago. When the repo man came to the door.. he was looking for the truck and told him my ex wife has the truck. I ended up getting the truck back and called capital one and told them what had happened. The rep said that if I can pay on it for 12 months that I would get the title and the car paid off. I was happy to work out the plan because it seemed very nice for them to work with me and understood my situation. After paying on the car for 4 months on time..they repo ed the car and told me that I would need to pay the whole balance to get the car back ... I think this was hugely miscommunication with me.. now I have a repossion on my My credit report. And trying to buy another car is very tough. I felt I was done very wrong and violated numerous laws.. please help! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I ordered a prepaid Capital One credit card to help with my credit report. Back in XX/XX/XXXX I was the victim of identity theft and reported this issues to Capital One while trying to make payment on my credit card. XXXX XXXX gave me a due date to pay by XX/XX/XXXX or the credit care would be permanently closed. I called on XX/XX/XXXX only to find out the Capital One closed the account and asking me to pay a balance of {$460.00} of money that was never grants to me. I use the money that I put on the credit card and pay it back in a timely manner to help my credit. Capital One is now reporting this on my credit report as late and sent to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One account issues a 1099c to IRS for an account which had unauthorized charges and never resolve with Capital One Bank and my account balance. Capital One Bank file 1099C without my agreement to file written off debt improper. The account was charged off in 2010 and Capital One written off debt three years of loss and file a 1099C

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I keep receiving letters from Capital One with my first name changed and told that I do not qualify for a credit card. I have returned many requests for them to stop doing this but, they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capitol One Bank calls MULTIPLE times a DAY. They never leave a message as to what it 's about or how much is owed or where to send payment. Instead they call relentlessly. I know it is them because I had to put a block on my phone. Every time the phone rings its them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
We agreed to a settlement via phone with Capital One and she set up automatic withdrawals from our account. We paid the final settlement payment XX/XX/XXXX. In XX/XX/XXXX I later received collection calls for the same account that was settled XX/XX/XXXX. I checked my credit report and it showed my settled account was not paid. I called Capital One and they said they did not receive any payments. Where did our payments go? Capital One automatically withdrew the agreed amount per month from our account. Our check copies showed receiver is Capital One, the account number, and date. I faxed copies of my bank statements and a copy of the last electronic check to Capital One and the collection agency. How much proof do they need? The collection agency, XXXX XXXX, denied my proof until I receive my settlement letter from Capital One. Capital One is still investigating and said they usually do not call to make settlements. Then they said they received the last payment on XX/XX/XXXX but it got returned so they could not do a settlement letter. According to our records the check was paid and posted to Capital One, because we did not get charged a bank fee and it was electronically withdrawn on the scheduled date on time, which is the XXXX of the month. First they said they did not receive any payment but now they are saying something else. I told them maybe they tried to get an extra amount realizing it was the last payment. I faxed them the copy that the XX/XX/XXXX check went through. Our statement showed no return fees. Everything was paid on time. I need assistance in getting a settlement letter and to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On or about XXXX, 2015, I was notified that there could potentially be fraudulent activity on XXXX of my capital one credit card accounts. At that time, I spoke with a representative and confirmed that it was fraudulent and a case was opened for both accounts. To date, I have been unable to reach the representative handling my case and I am told every time that I call that I must speak with her and then I am transferred to her voicemail and I never receive a call back. The fraudulent charges have not been removed from my account. I refuse to make a payment for charges that are not mine and Capital One is continuing to charge interest and late fees on both accounts, in addition, these charges exceeded my credit limit by twice the amount and now Capital One is reporting this information to the Credit Bureau and it is ruining my credit because it is showing my payments are late and that I am over the limit on both credit cards. I 've reported this information to the company and yet they refuse to remove it and offer no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE charged {$1000.00} for service or products that I have not received. 
I already ask them to remove charges and They do n't want.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been with Capital One credit card since about 2012. Due to my financial hardship at XXXX point, I got behind with my payments. I never stop paying and at the moment my account with Capital One is current. Due to being late a few times in the past Capital One restricted my account, so I 'm not able to use the credit card. I 'm okay with not being able to use the credit card again, but I requested a due date change from the XXXX of each month to the XXXX of each month. The reason for the due date change request is because my employer changed my pay period from the XXXX and XXXX to the XXXX and XXXX of each month. My payment with Capital One is due on the XXXX of each month, so because of my new pay periods it makes if financially difficult to make my payment on time with Capital One. I explained to representatives at Capital One the reason for my due date change request and was told nothing they can do since the account is on restricted status. As I mention before I have been paying on time and my intentions are to pay the remaining balance by the end of the year. A due date change will help my achieve that goal, so again I 'm not upset that the account was restricted, just need help from Capital One with a due date change.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Payments were posted to the same billing cycle ( month of XXXX ) and not applied to the correct month resulting in past due status on the account. I noticed the recent statement had a larger payment due than normal and indicated the account was past due. I called Capitol one and they said they received and posted a payment before the XXXX day of the month the payment was due therefore they were applied to the previous months cycle and caused the account to become past due. A 30 day late on my credit report is reported on the account, it has dropped my score XXXX pts from a XXXX to XXXX. Requesting Capitol one to send me a letter indicating that they will remove the 30 day late at the bureau level with XXXX XXXX XXXX so i can remove and get the account updated and repair the damage done to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has refused to provide me with a contract with my actual legible signature verifying that I agreed with the terms. They keep sending me dispute letters and copies of the bill statements. I want a copy of the contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received an inappropriate letter from Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. They wanted me to update my AutoPay email alert settings. The account they referenced is closed and has been for sometime. We do not answer or even open their emails since we do not do business with them. This letter 'scared ' my wife, wondering what was going on. Can you stop this kind of harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had XXXX Capitol one credit cards, as you can see if made reg payments on both, I became unemployed and I noticed that I saw charges on both I never made. I tried disputing them with the credit card holder. My account was sent to XXXX and then to XXXX XXXX XXXX, I tried explaining what happened and the attorney for XXXX XXXX would n't let me explain, hence I have something filed at the court house in XXXX county, NC. I am trying to fish my credit, but hard to get anyone to follow through. Can you help. Me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one is a sleezy cheap credit card company that doesn't follow specific guidelines to get their customers credit line increases period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX I received dispute results from XXXX/Capital One. I initially disputed a late, but Capital One removed the trade line all together, thus damaging my credit scores. After the typical blame game of one another, I was told Capital One incorrectly processed the dispute and would need to send a re assertion letter to each agency. As of yesterday, Capital One has verbally confirmed sending the letter ... still with no written confirmation. XXXX stated it may take up to " 3 Billing Cycles '' for the trade line to be re asserted. A few things concern me here. I seemingly have no recourse and am unsure as to if my scores will rescore and so on. I am unable to access the credit markets at this time which have brought my undue hardship. Essentially my report will have went wrong from time of dispute to potential resolution some 120+ days. Not to mention they never have addressed the actual late I was disputing in the first place.

Company response to consumer: Closed with explanation