vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I 've had XXXX accounts with capital one since roughly XXXX. I had XXXX of the same product for a long time. Yesterday, XXXX XXXX XXXX I was chatting with a representative where I was informed I qualified to be upgraded to a venture card where I get XXXX miles for every dollar spent. I thought this was great and decided to close my other XXXX accounts and transfer the credit lines to my new venture card. Well it turns out that that the venture card is a subprime card where I only get XXXX miles for every dollar spent and my interest rate is 24.99 % variable. They gave me an offer for 7 months to lower rate to 20 % variable. Prior to combining the accounts I had XXXX XXXX XXXX accounts and XXXX of them had a 14.99 % rate variable however, since it was the lowest rate out of the XXXX they charged me a {$79.00} dollar annual fee which they refused to waive. Now I closed that account and moved the credit line due to missinformation and I was clearly missled here. I have a XXXX card with a super high interest rate, poor rewards and I no longer have the card with the 14.99 % interest rate. If I would have known the venture card does not earn XXXX miles for every dollar I would not have closed the other accounts and moved the lines over. I feel missled as a consumer specially since they were charging me an annual on XXXX card and not charging it on the other XXXX cards even though they were the exact same product. If you do it in XXXX card you should do it to all the same products and in my case they were the exact same cards. They just did not want to waive the annual fee because my interest was 14.99 %. I am extremely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I requested a increase on my {$250.00} line of credit with Khol 's several times, however, I have never received a reason for denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I applied to refinance my mortgage at CapitalOne ( the " Bank '' ). I submitted an application ( joint with my wife ) and the Bank made an offer on XXXX XXXX, 2016 7/1 ARM for XXXXXXXX2.875 % plus .875 % origination charge ). Bank 's appraiser ( XXXX XXXX valued the collateral at {$470000.00} ( appraiser failed to count proper number of bathrooms ). Upon receiving the incorrect appraisal I immediately notified the Bank and the Appraiser of the mistake on XXXX XXXX, 2016. Based on the incorrect appraisal the Bank informed me on XXXX XXXX, 2016 that the terms of my credit had changed. Based on the incorrect appraisal the Bank added one-half percent additional origination charge because the loan to value ( LTV ) exceeded 60 %. The additional origination charge added {$1500.00} to the cost of the loan. Despite being notified on XXXX XXXX, 2016 that the appraisal was incorrect, neither the Bank nor the Bank 's appraiser has corrected the appraisal. In an effort to expedite the loan closing I have offered to reduce the amount of the loan so the LTV will be less than 60 %. I am prepared to close the loan immediately on the terms offered by the Bank on XXXX XXXX, 2016. The Bank has asked me to accept the new loan terms ( with the additional .50 % origination charge ) by XXXX XXXX, 2016. I am unwilling to pay the additional charges because they are the result of an incorrect appraisal. I have notified the Bank on several occasions that I am willing to close the loan immediately on the credit terms originally offered. I have also notified the Bank that as a compromise I am willing to reduce the loan amount to below the 60 % LTV ratio. 
I do not feel that I should have to pay an additional charge for a mistake that was made by the Bank 's appraiser. 
The Bank should honor the credit terms that it originally offered. 
It should be noted that mortgage loan rates have increased since I accepted the Bank 's original terms so that shopping for a new loan from a different lender is not an option. 
Thank you for your assistance on the matter. 


Here are contact numbers for the people I have spoken to : XXXX XXXX, Loan Officer XXXX NMLS # XXXX XXXX XXXX, Mortgage Loan Specialist, XXXX ext. XXXX XXXX XXXX, Manager, XXXX XXXX XXXX XXXX, Appraiser, XXXX, Commonwealth of Massachusetts Division of Professional Licensure # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX I was diagnosed with XXXX XXXX and after XXXX XXXX and a loan modification which was only for 4 years my husband and I had some marital difficulties due to my XXXX and financial issues after he found a new girlfriend he left me. I filed for divorce in XXXX XXXX. Prior to that I made up and resolved the delinquencies with capital one XX/XX/XXXX by setting up a payment plan to commence XXXX XXXX XXXX thru XXXX XXXX. I made every payment in XXXX on time. Now that the divorce is over since XXXX/XXXX/XXXX I can only qualify for a purchase reverse mortgage at age XXXX, that 's in less that 2 months. 
Capital one refuse to take these delinquencies off my credit report, they refuse to give me a letter stating that I was never delinquent in XX/XX/XXXX and now they will not return my calls. If they do not satisfy the underwriters of the new loan I am trying to get on my budget, I will be homeless. 
I beg of you to please help me through this merry go round and persuade capital one to provide me with the info that I need to qualify for this loan Time is really of the essence ; Please help me. 
Hopefully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have had an ongoing issue with capital one for two months now. Here are the rundown of events:XX/XX/2015- month put into my credit card account that did not belong to me ( money was meant for another account and the money did not belong to me ) - Called capital one they told me nothing was wrong with my account and someone must have " given '' me money. 
- I said that no one has access to my account and that is not possible- research was done and the money was found out to belong to my mother who does NOT have a capital one account, she was paying off her XXXX XXXX XXXX bill ( which is through Capital One ) -She has a different first name, and a different account number yet the money was put into my account. 
- Called capital one to clear it up ... here is the chain of events since then:1. ) Money was supposed to be sent to me in late XXXX so I could return it to my mother so she could send it to the correct address- Capital One instead sent it back to my mother 's bank where I do not have an account and put it addressed to me. That bank sent it back to Capital One and the money was put back into my account2. ) XX/XX/XXXX money was supposed to be sent to my house - check was never issued3. ) Week later I called- money was supposed to be sent to my bank electronically- never done and I was told that this was not an option4. ) XX/XX/XXXX- check was STILL never mailed - spoke to a supervisor who said she would make sure it was mailed. 
5. ) Check was mailed to an address that DOES NOT exist. I gave her my address because it was wrong in the system and the check was sent with the XXXX XXXX name, apartment name, town, and zip code. 
6. ) Called Capital One and they were supposed to cancel the check and resend it to the correct address. Payment department said no because they already issued it and it would be a duplicate check7. ) TODAY XXXX/XXXX/15 : Called 2 times - spoke to XXXX supervisors- supposed to get a call from someone in the payment department at XXXX XXXX and no one ever called. 

Where am I now .... 
NO closer to having the money returned to it 's rightful owner. This is all Capital One 's fault yet I am the one who is having to continuously call and explain to someone new what the situation is. I can not believe that a company can operate like this it is XXXX unacceptable and I would never recommend this company to ANYONE. I am filing a complaint because I do not know where to go from here. I am no closer to having the check for {$3500.00} returned to me and no one at Capital One seems to know how to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
We purchased a ring from Helzberg Diamonds for my wife on XXXX XXXX, 2016 and opened a credit card account that night with Capital One to save 10 % on the purchase. Helzberg did not give us a 10 % discount but rather a 5 % and 5 %. After the sale we turned around and wrote a check to have a zero balance on the credit card. It was a beautiful ring but unfortunately we took it back because the stone was not changing colors ( XXXX ). I received my money back immediately that was paid from a debit card. I called Capital One when I received the credit card in the mail and canceled the account. I received a letter in the mail dated XXXX XXXX, 2016 stating that the credit card account was closed. I was also told that I should receive the money back we paid from using the credit card within 10 days. I have called several times because the check was not in the mail and I was told each time it was. I also received a billing statement from Capital One that was dated XXXX XXXX, 2016 which shows a credit on the account. Finally on XXXX XXXX, 2016 I spoke with a manager and Capital One who informed me that my check would be overnighted and would arrive on XXXX XXXX, 2016 due to XXXX. I told her that would be fine. I check the mail today and still no check from Capital One. I called and spoke with a different manager today and she told me that the check was not even in the mail. It has been 27 days since the ring was returned and I still do not know when I will receive my money back from Capital One. My wife and I will never make a purchase at Helzberg Diamonds again. We will also never use a credit card that has anything to do with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Please see the attachment : on or about XX/XX/XXXX.capital one entered into an agreement with me as shown on the attachment. 
On XXXX/XXXX/XXXX I received a phone call @ XXXX XXXX from XXXX a collection agency.The call woke me up.An agent identified themselves then ask me some questions to verify who i was. I then ask them what this was in regards they then explained to me the were a debt collection agency, they had a file sent to them from capital one and they were to collect {$9000.00} due immediately. I told them about the agreement they ask me if I could forward any documents to them to prove I did not owe capital one this amount so I did .The next day I got a call from XXXX they told me they sent the file back to capital one and would not represent them.I want capital one to stop making my credit bad.They are reportin several late payment I incurred XX/XX/XXXX I made all those payments up but to the establishment that does not count only negative information seems to count.I just recently raised my credit score for an acceptable score to be eligible foe a VA XXXX loan now because of capital one 's negative reporting I once again have been disqualified for the loan.capital one has more than recovered their so called losses from me and then some.They should be audited! Please look int this for me I really had my hopes up to buy my first house before I die.This has caused me a great deal of XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Chase is SERVICER of loan to which they misapplied, held in suspense, to push us into foreclosure, chase ignored MULTIPLE attempts to stop un-needed insurance to the point of XXXX removed from my escrow to pay for attached flood policy 's NEVER needed, & reasons for attachments is invalid chain of title, Good Faith Estimate, Truth & Lending statement, is for a DIFFERENT RESIDENCE, in a different county of ky, & is NOT MY RESIDENCE.I brought this ENORMOUS facts to chase, ignored & false default claims began,XXXX false claims now, to which all are paid.I 'm currently BOUND to litigations still, initiated XX/XX/2011. & Assignment of mortgage came a full year AFTER suit in progress, & the Assignment of Mortgage was created by the law firm suing me? NOT BY CHASE? & I BELEIVE THATS ILLEGAL ALSO, & signatures, notary 's that signed this assignment are CHASE EMPLOYEES, NEVER DEFAULTED, NEVER NEEDED LOAN MODIFICATION.NO DEED, NOTE SERVICER DEEMED ''LOST '' NEVER FILED ANY ASSIGNMENTS IN COUNTY CLERKS OFFICE, UN-CLEAN HANDS IS AN UNDERSTATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I spoke to someone in the Executive Office of Capital One last year in regards to a previous concern. During that conversation they stated my annual fee could be permanently be removed on XXXX accounts but wait till beginning of year so they could remove annual fee permanently along with combining my accounts.Now they are renigging sayng they never said that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had a credit card with this company for over 2 years, proven to be an excellent consumer, never been late with a payment, paid off the credit card balance more than twice. The company continues to charge me absorbent usury fees, monthly and annually and they have not given me the best interest rate available. Often the minimum payment I make is put right back onto the account in interest not reducing the balance. 
I opened this account with the company aware that I am on a fixed income, reporting an annual income of less than {$XXXX}, and that I am not employed. I had a credit card increase more than once, and I have been responsible. 
I am an American with XXXX, and I realize that I am being taken advantage of because of my condition. I especially, have been mentally challenged as being on a limited income. I have asked the company to close my account, however, I have been told it is better to keep the account open until it is paid off, which is tempting, because then I will use the card because inevitably I will need something before months end. 

What I hope to happen : Given the fact that I have been an exemplary consumer, and proven my creditworthiness, and the company has deliberately and willfully used unethical business practices in extending credit, through usury practices. I want this credit card debt to be settled by the company and in good standing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Complaint Details : On XXXX XXXX 2016, I made an online purchase in the amount of {$160.00} from " XXXX XXXX XXXX " a company based in XXXX. This package would cover a tour and a dinner/show on XXXX XXXX and XXXX XXXX 2016. 
The refund policy of the merchant states that full refunds are given if requested within 24 hours or more before the tour date. 
The only contact information provided on the website, as well as in the confirmation email is a telephone number. 
On XXXX XXXX, 2016, I called the XXXX number provided in the confirmation email to request a refund. I was told by the representative that in order to request a refund, I have to reply to the purchase confirmation email they sent. I replied to that email on the same day. 
When I replied to that confirmation email, I received a failure response stating " Sorry, we were unable to deliver your message to the following address : '' XXXXXXXXXXXX. My subsequent calls to the merchant went unanswered. I did not use the services of the merchant as I later booked with another company. 
I then contacted Capital One on that same date, XXXX XXXX 2016, to file a dispute, clearly explaining that the merchant advertises refunds, yet provides no valid way for the customer to obtain said refund, although the customer is following their procedure outlined. In short, the merchant operated under false pretense and lied about their refund policy. 
Capital One then issued me a credit in the amount of {$160.00} ( full purchase price ) and noted that they would investigate further. 
Following their investigation, on XXXX XXXX, 2016, Capital One rebilled my account for the full amount of {$160.00}, stating that the merchant responded to the dispute and provided additional documentation. 
I submitted a response to Capital One on XXXX XXXX 2016, with my documentation, ( a copy of an email showing that I did in fact contact the merchant on XXXX XXXX 2016, but received a failure message ). 
It is now XXXX XXXX, 2016 and Capital One has made no effort to resolve this issue, and the charge of {$160.00} is still outstanding on my account which I should n't be responsible for paying ; I requested a cancellation based on the merchant 's refund policy and I did n't utilize their services. 
With this amount not paid, Capital One will charge me late fees and interest which will affect my credit rating. This is unfair to the customer. 

Please investigate and assist further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is in response to Complaint XXXX and XXXX. Capital One in their response to my complaint agreed to remove references to the accounts which I proved in XXXX XXXX XXXX XXXX to Judge XXXX XXXX were paid in full. To date they have not lived up to their response letter of XXXX XXXX 2015. Both accounts which I proved to be paid in full still appear in my credit report with all XXXX agencies. Capital One after the suit by the law firm of XXXX and XXXX sold the account to XXXX XXXX of XXXX VA. I have not only paid these account in full but proved my claim to a judge how agreed the accounts were paid and XXXX and XXXX withdrew the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX, Ga. XXXX Acct # XXXX. 
I have sent Captial One letter regarding my account, which they claim my account was charged off {$720.00}. I requesting validation, made pursuant to the Fair Debt Collection Practices Act. I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports, from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fait Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
capitol one credit has me listed as deceased

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, 2015, Wells Fargo ( WF ) allowed the transfer of {$1900.00} from my business savings account to XXXX XXXX XXXX QuickPay without my consent. I realized the transfer occurred on XXXX when reviewing my balance and promptly calling Wells Fargo and initiating a fraud case. The information I received back on XXXX/XXXX/2015 was this was a XXXX transaction and I am required to dispute this within 24 hours. I had never heard of a XXXX and Wells Fargo did not explain that my accounts could be used for such transactions without my knowledge when opening the account. It took WF 2 weeks to get back with me with this information and they did not contact XXXX XXXX in that period and suggested I do so. I called XXXX XXXX and they said they could not do anything unless the WF fraud department contacted them. I informed WF of that on XXXX/XXXX/2015 and am awaiting a response. I am trying to run a small business and this has taken a large part of my time in the last several weeks trying to get recover my funds. I feel I am in a virtual loop between the big banks with no hope of resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
Today I received a notification from my HR department that they received a Creditor Garnishment to garnish my wages. They included that it was their legal obligation and enclosed a copy of the withholding order for my records. I was mortified that my employer was involved in something like this but also completely confused as I read over and over the court order. 

My current credit situation is under control so to receive this notice I was surprised. The court order held no information at all to what this was regarding. I did not recognize the amount, the company or dates. There were even errors listed i.e. Total Due XXXX/XXXX/2015, Date Issued : XXXX/XXXX/2015. 

Immediately I called the lawyer that is representing the plaintiff and they told me to contact the Court Officer for the account details. It is all unsettling and confusing. This is the first time I am being notified legally, and through my employer. 

After feeling lost, I went to the internet for answers on who New Century Financial Services and XXXX XXXX XXXX are and discovered even more unsettling details. I am writing to you in hopes to rectify what is being done to me. These payments are being taken out of my check next payroll and there is nothing I can do to stop it. Please assist.

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