vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I recently requested a {$6000.00} courtesy check from Capital One to use the 0 % 12 month APR to finance a central air conditioner repair. I was aware of the XXXX % fee and was comfortable with the fee. I received the statement listing the " Balance Transfer '' on my statement ; however, only an amount of {$2100.00} was listed in the 0.00 % Special Interest section of my statement. I " overpaid '' the monthly charges by taking the New Balance, which included the fee, and subracting the {$6000.00} and then adding an extra {$500.00} to the payment to start chipping away at the {$6000.00}. I received my latest statement and was shocked when I saw interest charges totalling {$15.00} on my bill and the 0.00 % section on my statement now listed {$6000.00}. I called Capital One directly to understand what happened. I spoke with a respresentative for over 45 minutes while she tried to figure out what happened. She placed me on hold several times so she could speak to her manager to get a better understanding. With each explanation I could state, based on what she told me, I still should not have to pay interest. At first she stated my payment went to the lowest interest rate balance first, which I stated is very unfair and deceptive as payments should be made to the highest interest rate balance first. I eventually asked to speak with her manager after she wanted to speak with him for either a third or fourth time. The supervisor came on ( expected a manager ) and he stated the grace period was waived once I requested the courtesy check and I would have to make a payment of all charges, even after the statement date, to forego interest charges. I would like to point out with this explanation, I would have to access my account online and then overpay that amount to guess what my upcoming charges may be so I do n't have to pay interest on any charges. I find the fact the initial representative could not explain to me what happend on my bill to support my claim of unfair and deceptive marketing and practices by Capital One. The supervisor did tell me I was told these terms when I requested my courtesy check and I informed him I had to ask the representative to slow down and repeat herself on several occassions and then I recapped the terms to make sure I fully understood what I was getting into. I did not recall the waiving of a grace period for charges. The supervisor stated he would review the call and get back to me no sooner than this Wednesday since he would be off the next few days. I called into Capital One on a Saturday afternoon ( XX/XX/XXXX ). I am expecting a call this Wednesday to hopefully put this matter to a close. I was on the phone with Capital One for over an hour and the item is still not closed. Depending on how this issue is resolved, I may end up paying more in interest which in effect turns the 0.00 % APR into 12.90 % APR, plus the XXXX % fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I fell behind in my payments due to me getting laid off at work I 'm willing to do my best to try and pay this off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
I obtained a gym membership with world gym XX/XX/2015. Shortly thereafter I decided to discontinue the membership. In addition to notifying the gym in person I mailed them correspondence regarding my cancelation on 2 separate occasions. The first time with my initial request, and the second after they 'd debited my checking account despite my request for cancelation. I also corresponded with an agent via email regarding my request for cancelation. Months later I received a debt collection notice from Seas and Associates regarding a past due balance. Prior to my request to cancel my membership I paid my balance in full. The gym continued to bill me despite me satisfying my contractual obligation to cancel this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX I noticed a PAYMENT ADJUSTMENT on XXXX of my XXXX Capital One statements. When I called Capital One, the woman said it was an error & would reverse the charge so I 'd have a XXXX balance. Much to my surprise, the next month it accrued interest and my other XXXX accounts now had multiple PAYMENT ADJUSTMENTS totaling over {$1100.00}. I called again & they told me the payments were returned form XXXX XXXX, over 15 months prior. Capital One can not provide me which account they were returned from although these are MY credit cards & accounts.I had closed XXXX backing accounts in the past year and have no way to access data.

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

Complaint narrative:
On XXXX XXXX 2016 I called Capital Once Banking customer service to receive information about getting a payment I make expedited. Before even doing so I informed the representative of this being for emergency reasons. He told me of my options and that if I pay the full last statement balance of {$140.00} I would be able to call in the following day to them and they can verify with my bank that I have sufficient funds, in which I had more than substantial to cover the payment. I did this the following morning, XXXX XXXX, 2016, approximately XXXX, entered my personal information, and the new representative verified I have more than substantial funds. He then proceeded, put me on hold, and came back to inform me that they in fact could no expedite " my '' funds, despite the verification. I had met the needed requirement, but they had not only misinformed me, but demonstrated a motive I am unaware of. As I paid a large amount of my credit card, that I did not have to, I could have paid my regular $ XXXX monthly payment. I find this unfair practice to perhaps have an ulterior motive that should be investigated. I am not only significantly affected by this, but have taken financial action I did not need to, as I could have saved myself roughly {$120.00}. Upon expressing my frustration and what I believe is wrong about this matter I was told their is nothing that can be done and was transferred to, I believe, a Senior manager. She informed me the same thing and upon seeing what she could do and further wasting time, told me their is nothing that can be done, however, she said she can credit my card only {$50.00}, which does still not resolve this issue. Despite her efforts to assist, I was informed by this same representative that funds can not be expedited, in the first place, on secured cards. Now I am unsure how the previous XXXX representatives were not aware of this as they should be subject to know the rules and policies of the company they represent. As such mislead and misinformed activity can be avoided. However, I find this as a motive on their end, in which I have paid of more on my credit card than I was subject to. I will be closing this card with them as soon as possible. And I ask that this be investigated and resolved in light of the significant affect is has on me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 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: MS

Complaint narrative:
i was contacted by XXXX XX/XX/2016 stating they bought a debt from Capital one that I was responsible for. I disputed it at that time stating I did not owe this and requested information to prove the debt per my right of the fair debt collection act. they sent me a copy of an old statement but refuse to send any further information such as a signed application or a payment history. I have asked multiple times for this information and they continue to just say either file as a fraud or pay it. they will not substantiate this debt as being mine. it is reported on my credit and causing issues. this company has had a lawsuit from multiple states already regarding their practices and I would like this removed from my credit due to them unable to prove the debt is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The purchase was made online at XXXX XXXX XXXX in late XXXX. The amount was listed as XXXX XXXX XXXX XXXX XXXX XXXX on my credit card, in the amount of XXXX, This was in WI, I have never been there nor have done business with this company at all, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have two issues with Capital one. About a year and a half ago I had a hardship. I was a couple months behind on my payment. I have since got caught up. I have not missed a payment in over a year nor been late. This company promised to remove the late payments made two times on a recorded call. They did not honor their word. I called yesterday and requested an extinction do to hurricane XXXX. They were questioning me about what happened. I told them I am okay I did n't loose my house, although I have n't received my paycheck do to power outages and banks being down. I asked them to XXXX me until next week. The supervisor did n't care. He said NO sorry you have to pay your bill by XXXX/XXXX/XXXX. I do not feel either is correct. I have disputed the late payments with all major credit bureaus two times. I explained that to this supervisor. He said we do not do courtesy reporting as it is illegal. I explained to him the other two supervisors should n't have stated that as that is illegal to tell someone you will do something in regards to a hardship then go back on your word as that is discriminating. They are also charging me two interest fees, one for cash advance, and one for regular credit. I do not know if that is correct although I do pay my bills. They said I will continue to pay an extra interest on that cash advance until the card is completely paid off, I did the cash advance in XXXX. Please keep in mind I have n't missed a payment since my hardship. 

Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a complaint against Capital One SAKS FIFTH AVENUE MASTER CARD ; Credit Card. I am a victim of identity theft and this credit card does n't belong to me and and was opened without my authorization. Through the law I have the police report which i will attach with this complaint. So you have the immediate elimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This correspondence is in reference to XXXX. I rec 'd a letter from Capital ONe dated XXXX XXXX, 2015. THey still did not address any issue ofmy concern. THe letter states that she found no notes that my daughter conducted a XXXX-way call with her bank. I do n't believe her because they suppose to record phone contacts upon speaking with the consumer because it tells you that the call may be recorded. THat 's not true what she sent to me. I listen to the call because payment was made fvrom my daughter 's account and I could not take care of the issue because it was my daughter 's account. My daugher as told by her bank was never contacted to get payment. THe initial XXXX/XXXX/15 payment was noticied by me and I kept calling Capital One to see why payment had n't posted. We again calledc on XXXX of XXXX and payment still did n't post, meanwhile we are srtill in contact with Capital One about paysment. Finally we were told to get bank on a XXXX-way call because we knew money was in bank. They said the account was closxed, which is n't the truth. tHe payment wasd finally processed after she got her bank on phone about XXXX weeks after the original payment was called in. They are not pulling their records if so they would see that a XXXX dollar payment was finalized about XXXX/XXXX/15. Also I spoke with a person on Wed. XXXX/XXXX/15. She confirmed payment but becvause of so many notes on account she would have someon correct the misleading information and someone would give me a call in a couple of days. I have yet to receive a telephone call from anyone concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I want to negotiate the credit card debt, but all I get is robo calls, I wish this debt collector would mail me so something so I can start paying the debt down, like other collectors are done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
probably XXXX 6 years ago the credit bureau said I owed money on a capitol one credit card. I have never had a capitol one credit card also they said I had a XXXX credit card which I purchased a computer. I have n't signed up for a credit card thru XXXX. I have n't had a computer for probably XXXX or 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My grandfather XXXX XXXX opened a Certificate of Deposit at XXXX in my name XXXX XXXX on XXXX XXXX, XXXX. XXXX XXXX merged with Capitol One Bank on XXXX XXXX, XXXX. My grandfather recently passed on XXXX XXXX, XXXX and I found the certificate. On XXXX XXXX, XXXX I went into a branch in XXXX, MD to inquire about the status of the accoount. The agent advised the account had been purged due to inactivity. He was unable to locate any documents to determine if the funds were withdrawn, transferred or sitting, but stated the account was being researched. On XXXX XXXX, XXXX, I contacted the branch to obtain any updates. Again, I was informed no further information had been located. I am writing to submit a complaint due to the time frame that has passed and no answers have been provided as to where the funds are located. I have contacted the FDIC, MD Unclaimed Property and have had no success in locating he funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone They call at all hours, including early morning and late at night. This debt is over XXXX years old and no longer reported to consumer credit. I also received a notice from the debt collection company saying they would continue to try to collect the debt even though they could not sue me. The original debt was {$500.00}. With all of the fees it is now up to {$1600.00}. I am currently on unemployment, live in a rural area and am unable to pay this debt. The debt was incurred when my husband was passing of XXXX XXXX and it was used to help with expenses. In 2008 I lost my teaching position due to cut backs and have had a difficult time financially since.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In XXXX XXXX, I was notified by Capital One that there was fraudulent activity on my account. Since that time ( now XXXX XXXX ), I have called twice a week, every week, to inquire to the status of my account. No one seems to be able to assist me and instructs me to inquire at a later time, by file is being handled by a " fraud specialist '', whom is never available and has n't returned a SINGLE phone call since XX/XX/XXXX. On XXXX XXXX, I was notified by a credit report monitoring service that a late payment has been posted ( 60 days late ). Not a single person at Capital One would accept a payment from me while the case was being investigated but meanwhile the interest and payments were accruing. Since XX/XX/XXXX, I 've had to deal with the most inept, incompetent individuals and they have cost me a great credit score, all the while, now telling me that the situation was rectified in XX/XX/XXXX ( however, I just called and was told that was one still being investigated ). They accepted one payment from me on XXXX account, but not another. I want the late payment removed from my account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
Previous lender ( XXXX ) offered mortgage rate reduction service for a fee % of outstanding balance with a maximum of {$1500.00}. I wanted to open my new mortgage with USAA because I liked them for banking however I would only switch if this service were offered. When I started the process of buying a new house this summer I confirmed with my USAA processor that USAA offered a similar service to that of my previous lender. Because of this I opened a loan with USAAIn XXXX of XX/XX/2014 seeing that rates dropped I contacted USAA mortgage department to reduce my rate. XXXX XXXX said that this was not a service which USAA offers but they could handle it through the loss mitigation department. I talked to several people in the loss mitigation department because I thought this was the wrong department. Every person I talked to said that loss mitigation was the correct department, even though I was not at risk of defaulting. They said I just had to fill out the paperwork and jump through the hoops and I would be able to reduce my rate. After submitting all the paperwork, on the final step of my processing, my loss mitigation processor XXXX told me that a loss mitigation was the incorrect service for my situation. He sent me to XXXX XXXX who I talked with and we decided the best solution would be for me to do a mortgage refinance and have USAA cover/offset some of the costs. I was forwarded to XXXX XXXX, of USAA Mortgage to handle this, who then sent me back to loss mitigation who then sent me back to XXXX at USAA Mortgage. Each department will not handle my rate reduction and says the other department is responsible. They will just send me back and forth with no resolution. 

This is very unethical because I was offered and purchased a service ( mortgage rate reduction for & lt ; {$1500.00} ) which USAA will now not provide. = XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My issue is with Capital One Auto Finance. My car was repossessed back in XX/XX/XXXX. After auctioning off the vehicle the account was then closed in XX/XX/XXXX. Since then Capital One Auto Finance keeps reporting this account as open ( with TransUnion ). Causing my credit score to drop. I have tried contacting Capital One and TranSUnion regarding this inaccuracy with no avail. Can you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was recently sued by XXXX XXXX for a fraudulent debt that was sold from Capital One XXXX. After being contacted by XXXX XXXX about the debt I disputed the debt, and asked for proof. My letters went ignored, but XXXX XXXX managed to get a default judgement from this debt even after I answered the summon and complaint. I Contacted Capital One / XXXX which is who sold this debt to XXXX XXXX XXXX and was told this debt had changed hands at least three times. Capital One stated they acquired the debt from XXXX XXXX XXXX and that it was closed when it came over to them which was opened XXXX/XXXX/XXXX with a credit limit of {$5900.00} and that they sold this closed debt to XXXX Bank on XXXX/XXXX/XXXX. I was also told that a payment of {$5700.00} was applied to this debt on XXXX/XXXX/XXXX. According to my credit report XXXX XXXX XXXX XXXX reported this debt to be opened on XXXX/XXXX/XXXX with a credit limit of {$5900.00}, but shows that {$8100.00} was charged off. XXXX XXXX XXXX XXXX 's shows on my credit report the last date of payment to be XX/XX/XXXX, and the date of the first delinquency to be XXXX XXXX. 
I find it odd that Capital One / XXXX 's sold this closed debt on XXXX/XXXX/XXXX and XXXX Bank reports it as being open with them on XXXX/XXXX/XXXX but yet Capital One / Parisian 's shows a payment made to the debt in the amount of {$5700.00}. I provided XXXX XXXX XXXX XXXX 's a fraud affidavit along with a police report because this account is fraudulent. XXXX XXXX 's stated that they investigated and found that the account did belong to me and that I owed the debt, and had a representative to swear under oath that I owed the amount of {$8100.00}. 
XXXX XXXX XXXX XXXX 's acquired this closed debt from Capital One / XXXX which they acquired the debt from XXXX. XXXX does not have any record of my information and has instructed me to contact the correspondence department to get this in writing. 
XXXX XXXX has made false statements that they investigated when in fact they had no validation of this debt because it was transferred. XXXX XXXX XXXX hired an unethical debt collector XXXX XXXX XXXX XXXX XXXX , and has taken money from me by force on a debt they could not validate. I am going to make this known to the state attorney general 's office because this has got to be rectified.

Company response to consumer: Closed with explanation