vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call XXXX they can get lower interest rates. Why are these not available to the Consumer through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't want to do. These rates were all raised in 2009 before Obama said no rate increases in interest. I was involved in Hurricane XXXX at that time evacuated to another location for XXXX months and was still receiving my mail XXXX.so I missed some of the offers to not increase the interest rate. I feel that the consumer is not being treated fairly with not offering the consumer similar lower interest rates that a debt relief company can offer. Please help with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I responded to a letter I received from capitalone360.com offering ( among other amounts ) a {$500.00} credit to a newly opened savings account with a {$50000.00} deposit. I tried unsuccessfully to accomplish this on their website. So I called them and was walked through the steps to, supposedly, insure it would n't happen again. I gave them my account number at XXXX to use to transfer the {$50000.00}. Then I got an email from them stating that to accomplish the transaction, ( from the email now ) : " Hang tight. Within 2 business days Capital One 360 will make XXXX or XXXX small test deposits ( each less than {$1.00} ) into your personal checking account. 
Check your account for the test deposit ( s ) by calling or visiting their website. 
Once you know the amount ( s ), both you and your joint holder must sign in to capitalone360.com. 
Click the 'External Accounts ' tab, select 'Unconfirmed ', and enter the amount ( s ) on the next screen. '' ( end email ) These test deposits did n't occur and, in a few days, I got this email from capitalone360.com : " We wanted to let you know that your recent electronic transaction was returned by your external financial institution. We adjusted your Capital One XXXX account accordingly. If you have any questions about the returned transaction, please contact your financial institution. You can also sign in to capitalone360.com to review your account information online. '' ( end email ) When I contacted XXXX via online " secure message, '' I was told there never was any attempt from capital one to deposit funds in my account, nor was there a record of them attempting to transfer the {$50000.00}. Bottom line is that I feel like XXXX XXXX have thwarted my attempt to take advantage of their offer because demand for the " free money '' was so great. The letter I received in early XXXX I believe, stated I had until the end of XXXX to take advantage of this offer. I did n't begin my efforts to open the account until XXXX XXXX so they would already have had several weeks to accept ( or reject ) others efforts to take advantage of the offer and realize the high demand. Have you had any other people complain about this? Regardless, I would appreciate your investigation into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a consumer credit card with Kohls.com and buy products from them and pay off the card. When a product does not work, does n't fit for example, they will not issue a credit on the card. They issue a merchandise credit that requires buying more to get the value back. 

I do n't like it. And especially in this last case, I ordered women 's shoes size XXXX, they did n't fit, and there was no paperwork to return them, XXXX paperwork. I called. They were not helpful, said they did n't have to provide paperwork. Drive XXXX miles to return them at store, they issued a card for purchasing from Kohls to compensate. I ordered size XXXX and waited, what came was men 's size XXXX, and while my name and address were on outside box, paperwork in the box showed it was a sales to another customer, in XXXX ( I am in XXXX ). Their error, not mine. And I communicated, and then after Kohls told me it would be picked up I have received two messages via email asking me to take it to the store XXXX miles away. I told them they can pick them up if they want them, and I do not accept charges for the order that I did not place for size XXXX men 's shoes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
after receiving notice of an impending direct deposit in my name on XXXX XXXX 2016, capitalone bank then accepts a deposit intended for me, but had already closed my account. causing me financial hardship. and not immediately returning the deposit to the ssa.gov. i wish to file a complaint with your offices, and receive financial resitution from this bank for the hardship they cause to me and my family with their reckless actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: NJ

Complaint narrative:
On XXXX/XXXX/2015 I sent Lexis Nexis disputes department an email which contained and FTC Affidavit, Police Report and a letter disputing over XXXX addresses that they had in their file for me. Email addresses that they have for me and reported bankruptcy information that they had reported on their consumer file and that they have also reported to other CRA 's that has drastically hurt me financially. I am the victim of identity theft and I asked Lexis Nexis to please freeze all the reports company wide so that no one can access them because the information is very inaccurate. They have done so but what they have n't done was to remove all the disputed addresses and the bad inaccurate information associated with those addresses. They sent me back a report stating that they have removed and or deleted the disputed information but they have not. All the inaccurate information is still listed and they have n't done a thing. All the addresses are still listed all the different variations of my name is still listed all the different bankruptcies in the XXXX different states are still listed. And there is also a judgement listed for an address that is being reported against me is still there and it has n't been removed. They have had well over the 30 day permitted time to remove these items and they have not done anything at all. What is the use in trying to protect myself and what is being reported against me if they want do their jobs and remove the fraudulent information and if they are getting this information from someone they are suppose to let me know so that I can contact that agency and get the fraudulent information removed. I again have attached the FTC Report, Police Report and the letter previously sent to them. Please block and delete these disputed items and do n't let them be re-inserted. Please do not report this wrong information to anyone else because it has cost me a job and declines from credit. Please fix this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on XX/XX/XXXX i made acheck payable to, XXXX XXXX for avehicule loan XXXX is stating that they havent received the payment this was back on XX/XX/XXXX 1 month going back and fourth to, the branch the money was deducted from my acount even that the check was alter capital one corrected the amount but XXXX saying havent received the payment there for XXXX is charging me late fees for apayment that i sent and capital one is not responding for the funds deducted on my acount

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Facts pertaining to Capital One Auto Finance Originated loan in XXXX of XXXX Filed for Chapter XXXX XXXX XXXX, XXXX Car loan was included in the plan and Trustee made higher payments than the regular payment on this debt. All bankruptcy payments made on time as agreed up to the time of payoff due to accident in XXXX XXXX XXXX XXXX car was totaled in an accident Obtained a payoff and insurance paid the amount and title was released Filed for voluntary dismissal of in XXXX of XXXX due to divorce Pulled a credit report and settled all debts in XXXX and XXXX of XXXXPulled an additional report to see the paid accounts in XXXX XXXX that 's when a balance to Capital One showed up Capital One was showing a balance of over {$7500.00} Disputed with them because there was a payoff settlement Due to a " cram down '' of the interest they said I still owed interest since the Chapter XXXX was not discharged Settled with them for a lesser amount I was never contacted by Capital One about the amount owed prior to the credit report that I pulled in XXXX XXXX I was never 30/60/90 days late in XXXX because this was a debt I was unaware of and I settled the debt once I realized the loan was not paid off when I had the accident in XXXX. This is how this debt is currently reporting to the credit bureaus 30/60/90/CO/CO/CO/CO from XXXX XXXX XXXX Hide original message I am being unduly harmed by the negative reporting of this loan in XXXX item should be removed from my report all together as I have acted in good faith and the negative reporting is not truly reflective of the situation. I will be penalized for this well beyond the Chapter XXXX reporting as it stands. This item will not automatically fall off my report until XXXX of XXXX. This is EXTREMELY unjust. I have paid my dues with this. I am continually declined credit and charge higher than normal interest rates because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Ihave a capital one credit card and they keep charging a intrest charge on my statment evry month even when i pay my full balance. In there own statment you have a 30 day grace period. I have contacted them and asked them to correct the promblem but it is still continuing. After i recieve my stament i remove the intrest charge and pay the balance i owe and right under the intrest why? I have been keeping a close watch on this but if its happenig to me how many other poeple have not and are paying intrest when they should not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I got a call from Capital One saying there was potential Fraud on my credit card on XXXX XXXX, XX/XX/2015. I immediately called them back the morning of XXXX XXXX, XX/XX/2015, and informed them that I did not make that charge. They said it was a charge at XXXX in XXXX I live in XXXX. It was a credit card I have n't used in around 8 years. They ( They being capital one 's fraud department ) said that I would not be liable for the charge since it was fraud. They asked me if I wanted a new card issued or if I wanted my account closed. I asked that my account be closed. I was transferred to someone else that helped me close my account. Once the account was closed, I again verified that I would not be responsible for the charge to XXXX. She assured me that I would not be and that I would receive something in the mail showing my account was closed. Not only did I not receive something showing my account was closed, but today I received a bill for the charge we specifically discussed on the XXXX. Today is XXXX XXXX, XX/XX/2015. The XXXX fraud team member at Capital One that I spoke to today XXXX XXXX, was by the name of XXXX ( or at least that 's what it sounded like ). She informed me that they have no way of flagging it as fraud until it has posted to the account. Then she informed me that there was a XXXX charge to a restaurant that was already removed from my account. I was insisting that she explain to me how XXXX charge was never mentioned to me and why would they even call me to ask about the fraud if there was nothing they can do about it and were going to send me a bill anyway. She hung up on me. So, I called back and asked to speak to a manager. I was connected with a supervisor named XXXX. He apologized that she hung up on me and proceeded to confirm that the way their process works, they can not remove charges until they post. I am still confused as to why they would call me before it posts or not mention that I need to call back after it posts in order to actually fix anything. The icing on the cake, was when the supervisor XXXX told me he would connect me with someone else to close my account. I thought, WAIT! I already closed my account. Well, it turns out they do n't permanently close it until after there is a zero balance, and I could n't have a zero balance until that fraudulent charge was removed. I am beyond frustrated and upset by a situation where I already felt violated that someone stole my information and attempted to charge things under my name. I just want there to be a clear process so that I do n't have to keep spending time and emotion on fixing a problem that I was told was already fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I complained on how the information has been re-reported. I have paid off or brought current all items on my credit report with the exception of XXXX ( in the amount of $ XXXX.my car payment is current, my student loans are current. I have tried repeatedly to have my information updated correctly. I understand that things can be reported up to 7years, my problem is, when I dispute an item the company will report the " account '' as paid, but the " lasted '' reporting is still reported as " collections and so is the " payment '' history. I would just like everything updated correctly to reflect these account were in fact paid. reguardless of previous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One sold an alleged account of mine to XXXX XXXX XXXX in the amount of {$600.00} stating that I had become delinquent on the alleged account in " XX/XX/XXXX ''. After talking with XXXX XXXX whom bought the debt and getting no clear answers, I asked that the debt be verified. XXXX sent a letter back with account number " XXXX '' as well as an amount of {$600.00} which stated I owed. 
I personally contacted Capital One to find out more about this debt on XX/XX/XXXX and XX/XX/XXXX and was told that the last payment was made in " XX/XX/XXXX '' for the amounts of {$15.00}, {$65.00} and {$50.00} all alleged made in XX/XX/XXXX. I let the agent know this is totally false since the bank account ending in " XXXX '' which the alleged payments were debited from was permanently closed before XX/XX/XXXX. The agent stated that this account is mine and payments were made from this account. I agreed with him that account # XXXX was my account but no payments was ever made from this account in XX/XX/XXXX. Payments were however made from my bank account ending in XXXX to my original Capital One account ending in XXXX several years prior to XX/XX/XXXX. My original Capital One bill has been paid in full for years which clearly shows that on my credit report. 
I was then told the payments were also debited from " XXXX Bank '', which is a bank I have never done business with. After much conversation with the agent and getting nowhere I stated I would take other measures to get this false information off of my credit record. He then stated that " XXXX XXXX '' know owns the debt. This may be true however ; " Capital One '' mishandled vital information which is causing me undue stress because of their mismanagement of records. I am asking to please help me. This is not fair that every time my credit is pulled I am defamed by false information Capital One knowingly put in my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
1 ) Debt collector placed negative information on consumer 's credit reports without notifying consumer. 2 ) Debt collector has not validated such debts under Section 803 of the FDCPA. 3 ) Debt collector is re-aging accounts in an attempt to keep them on consumer 's credit reports longer, and 4 ) Debt collector is calculating and reporting amounts different from those of the original creditor ( s ). Please see corresponding complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I 've sign up for Capital One 's Platinum card with a starting balance of {$300.00}. I received the card almost two weeks ago. I had to activate by phone because this website was unreachable. I have tried dozens of times to access my account online but after signing in, the page fails to load and the " site ca n't be reached ... XXXX address could not be found '' With out being able to access my account I can not manage my card, make payments, check the balance, or even see when my payment is due. This seems to be a deliberate restriction of access to account in order in incur fees

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: HI

Complaint narrative:
BB+T forced placed flood insurance on my mortgage which added over 60 % to the cost of my mortgage. I have since provided BB+T with proof that i did indeed have flood insurance and they have claimed at first they had received it, then afterwards claimed they did not have said proof. I have read online all about the banks receiving kickbacks from the insurance companys for retroactively buying insanely expensive insurance with zero risk to the insurance company or bank. Which brings me to the math, BB+T wants me to pay them over {$1600.00} a month for my mortgage which was just {$1000.00} a few months ago. The craziest part is that the flood insurance only cost me {$300.00} dollars to buy myself for the entire year. Thats {$25.00} dollars a month for me to purchase it myself, the bank wants over {$600.00} a month for the forced placed flood insurance. BB+T wants over {$7200.00} a year versus my {$300.00} a year flood policy. My house is not worth {$1600.00} a month, nor is my flood insurance worth over 7 grand a year. I honestly dont know what i will do, it would be cheaper at this point to take BB+T to court or at the very least sell the house. I cant afford to keep paying the bank this much money. I 'd just end up having to let the house fall into foreclosure if nothing happens which will most likely kill my XXXX in the military. Please, i really need someone 's help to get BB+T to take this insanely expensive forced placed flood insurance off my mortgage. I cant believe we live in a world where a bank can mark up something like flood insurance 24 times and expect the customer to just deal with it. I can honestly say the if i 'm ever able to purchase a house again any bank that has such shady business practices will not hold my mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 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: CA

Complaint narrative:
I have asked XXXX to furnish proof that indeed this account on my credit report is mineThey are not validating and said they do n't have anything listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
this loan has been paid off and is still damaging my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
They told me if I paid settlement amount. Upon receipt they would remove from the credit bureaus. They have not they stated they have not had the time to do it. It has been over 2 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Innovative Credit Solutions
State: CA

Complaint narrative:
Innovative Credit Solutions is still reporting a debt on my credit report in which they have not provided any information, this company calls and threatens that they are sending me documentation from the clerks office this company does not provide any information this is a collection for XXXX bank in which XXXX bank has removed this account from my credit reporting due to the factor its been over XXXX years since the last payment was received this company provides nothing to me this is my XXXX complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was a victim of identity theft. Someone tried to apply for an Capital One card in my name. When I noticed the inquiry on my credit file I notified Capital One thru certified mail of this discrepancy. They ignored my request. It has been over XXXX days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Capital One.

Company response to consumer: Closed with explanation