vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
RE : Capital One ( Secured Credit Card ) Account # ****************I received a letter around XXXX XXXX 2015 stating that my account was signifigantly pass due and that I should contact a representatuve ASAP. On XXXX XXXX I did so and the representative stated to me that I could pay the minimum balance of {$15.00} to keep my account from closing and out of collections. On XXXX XXXX 2015 I made a payment of {$15.00} and subsequently made payments of {$8.00} on XXXX/XXXX/15, {$18.00} on XXXX/XXXX/15, and {$5.00} on XXXX/XXXX/15 exceeding my minimum balance requirement of XXXX for XXXX. After making an {$89.00} payment on XXXX/XXXX/15 I spoke with Capital One customer service to check the status of my account and was informed that it had been closed and that I owed a balance of {$93.00}. I was told that my the {$190.00} security deposit had had been applied to my balance along with my membership fee of {$29.00}. I was told my account was closed on XXXX/XXXX/15. It was closed over a balance of {$100.00}, the original rep did not inform that to keep my account from being closed it would be {$100.00} or I would 've paid that amount I only paid {$15.00} because I was told that it was sufficient by a Capital One Rep. Now my account has been closed and Capital one has taken my deposit and never sent me anything in writing about my account closing or the other {$100.00} I added toward my security deposit which is the reason my account has a credit limit of {$300.00}, instead I still owe them owe them {$93.00}.

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

Complaint narrative:
Prior to my late payments that were reported to credit bureaus. I called to advise them that I was going to be late on payment XXXX payment. This was to avoid late fees. I always make payments on the XXXX of the month. I thought I was in good terms, because I was enrolled in automatic payments as well. Capital Onedid not call me leave a message or advise me that I had 2 missed payments. Which It was not true. I have been in good terms with Capital One. Now they have refuse to remove negative reporting to credit bureaus, can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When I reviewed the interest I was paying on my credit cards, I thought it was really high. When I looked into it further, I saw I was being charged XXXX interest rates : one for purchases and a higher one ( 25.40 % ) for cash advances. The balance subject to the cash advance interest rate was very high : {$830.00}! I knew I had n't taken that much cash out as a cash advance. When I called Capital One to find out how they calculated this figure, the rep researched the cash advances I had taken over the years and found {$380.00}. The rest is all interest! This is robbery! Credit card companies should have a cap on the amount of interest they are able to add to customers ' account. Accrued interest caused my {$380.00} to turn into $ XXXX and I 've been paying the card every month for years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I requested a line of credit increase from Capital One on my Secured Card. At the time I opened the my secured card account I read on the Capital One website : credit line increases would be considered either by additional deposit of funds or review by Capital One. I received an update on the Capital One Message Center stating my request was denied for the following reason : " Unsecured credit line increases are not available upon request on Secured Card account. '' I chatted with Capital One to find out : 1. no funds maybe deposited to increase my line of credit, 2. the message I received concerning denial was not the real reason the line of credit increase was declined, 3. Capital One does not conduct periodic reviews or have a review schedule for a line of credit increase. I came away from the chat with the following : 1. additional funds may not be deposited which is contrary to advertisement, 2. inaccurate reasons for denial are provided by an account rep and communicated to the customer on the Capital One Message Center 3. The customer looking to improve their credit will not have a periodic review 4. Capital One does not have a periodic review schedule for any type of line of credit increase

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: MN

Complaint narrative:
I paid of my student loan account in the amount of XXXX on XX/XX/XXXX as part of my home refinance. A check was cut from our title company for this amount on XX/XX/2016. On XX/XX/XXXX, I checked in with the title company and they reported to me that the check had cleared their account and had been paid to Fed Loan Servicing. My online account with Fedloan Servicing still reflected a full XXXX balance remaining. I called FedLoan servicing to see if they could see a pending payment to my account to pay it in full. They checked my account and all pending payments as well as an additional accounts for payments received that are not associated with an account number and they were unable to locate the nearly {$50000.00} I paid to them. Because of this, I was left with no choice but to believe that Fedloan had mis-directed this money and a stop payment was issued and a new " urgent '' payment issued that same day, to prevent me from losing this money. The next day the money posted to my account. But then was removed due to the stop payment. It then took Fed Loan servicing 10 days to post the second payment to my account. In the meantime due to this mishandling of this account on the part of fedloan servicing interest in the amount of {$320.00} was allowed to accrue on the account. I attempted to resolve this issue and asked for a refund of this amount through the BBB but they responded that despite their error, I am responsible for all interest that accrues on my account until the balance is paid in full, which it would have been in XXXX of XXXX if they had appropriately handled the money and not withdrawn it from my title company 's bank without posting it to my account. In addition, the people that I have had the misfortune of dealing with at Fedloan servicing have been universally condescending, unhelpful and trite in their response to any inquiry I have made and most certainly in response to this complaint. This company is criminal and unprofessional and should not be allowed to service student loans. Or students should be given the option to move their debt to a more reliable and honest lender and not forced to deal with this unethical criminal company. If you have any ability to help me I would request that the interest allowed to accrue on my account between XX/XX/XXXX and XX/XX/XXXX be refunded. If not, I would request that my complaint be made public as a cautionary tale to other borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have inaccurate late reporting on my credit file. I have contact the credit agencies to dispute this and they stated that the information was verified. I find that hard to believe considering that all of the credit agencies are reporting something totally different. I asked that you Capital One remove all of the late payments from since their reportings have several discrepancies. I know that I had not been late on any of my payments to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: LEXISNEXIS
State: IN

Complaint narrative:
Incorrect info regarding collection agencies and auto driving.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I got the Capital one 1 % cashback credit card. None of the paperwork or online statements indicated at all that their is a yearly membership fee, I called prior to activating the card and again just before the first bill came due to ask both times if their were to be any kind of charges other than what I charged both times by phone they said no then my bill includes a XXXX dollar annual membership fee for having their card, no one told me despite several opportunities in writing or by phone that I would have that charge I did not agree to that charge and they refuse to remove it saying by activating my card I accepted the charge, their was never any kind of warning that I would have a membership fee, I will pay it, I know it is common to have a yearly fee on all financial accounts but the shady way they just throw it at you is really very unprofessional, and I am not sure it is even legal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am writing to your agency because I am very upset the way my credit card company ( Capital One ) handled my claim. I disputed the charges of {$780.00} on XXXX/XXXX/2016, {$59.00} on XXXX/XXXX/2016 and {$59.00} on XXXX/XXXX/2016 made by this fraudulent company called XXXX on my card on XXXX/XXXX/2016. These company called me and the representative was very persuasive. I had several contacts approach me by phone on how they were upgrading my site for the world to see it. I did n't understand on what to do. I have never been in this field of marketing. I ended up paying to several companies. All I was looking for was to make an extra income to pay bills. I was approached as owning my own business and bringing in extra cash. But in order to make money I would had to pay even more money to all these companies calling me and pushing me their services as necessary to my online business. And they always call you for more money, meanwhile I kept paying for more services and they were never provided. I was losing sleep unable to think worried about how to pay off creditors. Capital One denied me for the wrong reasons. I was disputing as services not rendered. And is not a billing error. I did agree to pay for their services but they never provided me with them. I tried to resolve with the company 's first but after you ask for a refund they ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Recently I contacted my credit card Capital One to find out how much the minimum amount was due for payment and was told that {$120.00} would suffice. Once I paid the bill a few weeks later I had a family emergency where my dogs XXXX was XXXX and we raced to the hospital to tend to him. At the time I needed gas so that I could return back with the family and I had my sister and my XXXX mother in the car with me. Over the internet the credit card indicated that I had monies available. To our shock and surprise, the card was declined because I later found out that there was a hold on the credit card. I can not explain the weight of how embarrassed and mortified I was in front of my family and the gas station attendant. Why would the Capital One website indicate that monies were available? To add insult to injury, the customer service representatives were clearly unfazed by my plea and situation. They were rude, unprofessional, abrupt and quickly disconnected the call. Prior to the disconnect, I was also told that I had to pay an additional {$75.00} with no explanation. At this point, the responses I received were callus, rude and abrupt. No one ever explained where this amount came from however when I checked back and got a supervisor I was told that I did n't owe {$75.00} because the money was waived for some odd reason. I am still unaware why I was charged initially and why it was waived. Maybe it waived due to the cruel and horrible treatment I received. To date, I needed the monies for food for my family since the amount available had changed from gas money to {$59.00} being available. Realizing that this company communicates one thing and is not always forthcoming, I decided to contact them before I embarrass myself it I used the card and it was declined. Now I am being told that I need to pay {$24.00} because when I previously paid {$120.00} I needed to pay {$140.00}. Why was n't this information made available to me previously? Why was I charged {$75.00} and then it was waived? Why does it say that I have available credit over the internet and phone line when the card has a freeze/hold on it? This company is unethical, unprofessional and constantly misinforming me regarding my bill. I have no idea what is going on and they need to stop. What 's in my wallet is nothing because I am constantly being mislead by a heartless company that refuses to make any exceptions to life 's situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: LEXISNEXIS
State: TX

Complaint narrative:
cant get though on their phone

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am upset with Capital One and all other credit cards that promote a % return on what is spent on the card. These customers are not saving but rather running up their credit card debt. The % return only really lowers the high credit card interest rate by a miniscule amount. People do not understand this obviously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I have used Equifax complete premier plan for 7 years. According to their customer service rep, the {$9.00} is a " special '' price can only be good for 12 months. So I have to call every 12 months and ask them to honor this " special '' price for 12 more months. I noticed XX/XX/XXXX and XX/XX/2016 they were charging me {$19.00} on my credit card, I called Equifax to dispute and was told they would give me {$16.00} credit and would extend the special price for another 12 months. However, XX/XX/XXXX they charged me twice - {$19.00} again AND {$9.00}. I called Equifax again and spoke to XXXX ( cancellation dept ) and his supervisor XXXX, they both gave me the run around and said {$16.00} was actually a credit for XX/XX/XXXX, which is different from what the previous agent said. They basically refused to refund the {$19.00} they double charged me XX/XX/XXXX. To me that is bait and switch and dishonest practice. I am just shocked that a reputable company such as Equifax would hire inexperienced and unprofessional folks to handle customer service and disrespect their loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One credit card phone representative agreed to remove XXXX 2013, 30 day late they reported as an error because of my XXXX XXXX XXXX XXXX. Immediately Auto Pay was fixed and payment has never been missed in excess of 29 days or more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As per reviewing my credit report, I noticed numerous XXXX 5 XXXX Capital One Bank items for review. As I browsed through them, I noticed ( 1 ) report that is wrong and never existed. The account details show opened date XX/XX/XXXX closed date XX/XX/XXXX. As I further reviewed Capital One Bank items for review I noticed a total of ( 4 ) closed accounts which is also wrong. I then opened my online services on Capital One Bank to review my accounts with Capital One to make sure there are no errors on that as well. I noticed a card recently added to my account XXXX one I did not apply for XXXX ending in card # XXXX. I called Capital One Bank to go over these accounts today XX/XX/XXXX. They are unable to give me any information on the cards located on my credit report and told me to call the BBB if I need to. I mentioned the card I unauthorized on Capital One Bank online services, the customer representative began telling me they bought this card over from XXXX XXXX which I never had a HSBC credit card, nor have I ever applied for one ). She stated " this is not Capital Ones fault '' and that " I can dispute it with BBB '' once again and to hold for another service rep to further " assist '' me. I have had a total of ( 3 ) cards in lifetime with Capital One. ( 1 ) that I closed ending in XXXX because of an annual absurd fee ; ( 2 ) that remain open ending in XXXX and XXXX all with a zero balance. I have never authorized to open any other cards and neither do I have this problem with any other bank I have ever dealt with ( XXXX, XXXX XXXX, XXXX, XXXX, Etc ... I have other bank cards ) They are a fraud and my identity is being passed between banks and cards are being opened and closed without my consent or me actually applying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On or around XXXX XXXX 2015, I called Capital One to close my Secured MasterCard account. The representative confirmed that this account would be closed and provided information with regard to receiving my security deposit. Instead of this, the representative closed my unsecured Visa account of which I was not aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My escrow amount was amortized over 60 months. Suddenly, Capital One decided to shorten the amortized period to 48 months. This has caused extreme financial hardship for me. Today, after numerous attempts, I spoke with one of Capital One representatives, XXXX ( ID number XXXX ) who told me there is no supervisor or Customer Advocacy Team member to speak with me regarding my complaint that my escrow payment was increased. 
Furthermore, the correct escrow amount is {$28000.00} NOT {$33000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
wellsfargo bank made a cash advance to my checking account in XXXX of 2015, then they locked my account from me until XXXX of 2015 when I finally was able to get into my account when I noticed that they had made a {$10000.00} cash advance to my checking account which had a lot of interest charges applied to it. the bank said I would have to pay it all back before they would refund any money. I had to take money from another bank to pay back what I did not ask for ...

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 monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regarding XXXX payment processing, CapitalOne has a business practice, which I believe is unethical and should be illegal. I have a PDF file ( attached ) with date/time stamp from my CapitalOne on-line account records to substantiate my complaint. Specifically, when I log into the CapitalOne website to pay my credit card 's monthly bill, their website states that I must make the payment before XXXX. in order for the payment to be posted on the same day ( It used to be XXXX XXXX EST a few years ago ). Currently, this payment cut-off deadline, at XXXX XXXX is four hours before XXXX on the due-date. If a card holder ( like me ) makes a payment ON THE DUE DATE, but between XXXX and XXXX, CapitalOne sets the posting date for the following day and counts the payment as a late payment, charges a late fee, and then use this event as XXXX of XXXX allowable late payment events per year to justify raising the APR rate - significantly. This happens even when payments are made on the due date before midnight within the same timezone as the billing address ( EST in my case ). I suspect that Capital One and other card issuers are using this tactic to collect fees they do not earn and to justify raising APR rates. This practice should be illegal and must be stopped. The correct processing is that all on-line payments scheduled by XXXX XXXX of the due date, should be posted as paid on the due date and accepted as an on-time payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Back in XXXX 2015, Fraudulent charges showed up on a credit card I have not used in a while. I contacted Capital One to state the fraud charges have occurred. The representative took my statement after a few times of calling and it was investigated. the findings came back, was a fraud charge funds were taken off the account. At the time I called in, I closed the account to keep fraud charges from occurring. However there is a insurance on the account from when I opened it years ago and I was charged on the account which has caused late charges to occur. I had an online chat with XXXX who informed me I needed to call the insurance department, however they are only open XXXX to XXXX Monday through Friday. I work from XXXX XXXX when I leave home until XXXX XXXX at which time they are closed. I XXXX 2015 I paid {$120.00} from a renewal of the credit card and late charges. I do not used this card and have not cause it is a very high interest rate. I paid this cause no one would help at Capital One. I have attached statements starting from XXXX 2015 till XXXX 2015. Customer Service is not a priority in Capital One Company. The amount due now is {$110.00} and I would like these charges taken off the account and all accounts with Capital One closed. Also I need for a Cease and Desist on th e account. I do not want any phone calls from Capital One.

Company response to consumer: Closed with non-monetary relief