vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I over paid my capital one card. As part of a home refi they asked me to pay off and close this account. I looked up online my total balance and paid a direct payment through their website for around {$1500.00} in XXXX 2016. I asked them to close the account, they did. A few days later, another payment for {$950.00} was paid auto bill pay from my checking account. I forgot to cancel that check that I had scheduled. When I noticed the {$950.00} come out of the account I called Capital One. They said they did n't have any record of it. Then we did a three way conference call and Capital One and XXXX and I al talked. They said they would start an investigation. Nothing happened, I called a few weeks later, they said they would start and investigation, nothing happened. NOW, they are charging a NEGATIVE $ XXXX and my credit card shows I owe it???? They have been impossible to work with. This account has been closed and they owe me XXXX not the other way around and they just added a late fee. Its nuts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was approved for a {$300.00} cl with Capitol One in XXXX 2015. In XXXX after spending {$100.00} an abusive ex stole my wallet and charged my Credit {$65.00}. I called Capitol One and explained the situation. They said because my Card and Wallet had been returned i was responsible for it. I also complained to the rep that my {$300.00} credit was actually only {$190.00} but my bill was {$350.00}! {$150.00} of it was yearly fees, membership fees and late fees! I explained a few times i was late because of the theft and I had been hospitalized several times from XXXX for XXXX in XXXX. I explained a few times when calling representatives my dilemmas in paying late and that the whole reason i even got the card was to build my credit not make it worse. So in XXXX the representative said they would enter into a hardship payment plan contract with me. When i got the contract in the mail i could not log into my account because they turned me into collections THE DAY BEFORE I just received the paper work! So now this is on my credit report which took me from a XXXX to {$490.00} for that XXXX little fraudulent collection! I opened the card XXXX 2015, on my credit report it says i was late 6 months then says XXXX and XXXX was ok but was late XXXX and closed XXXX.Thats only 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Our XXXX XXXX was stolen this year from out home. Our insurance company XXXX paid out all but {$2600.00} of the remaining balance on the note held by Capitol One Auto Finance. 

Capitol on sent us correspondence stating that the balance would need to be paid by XXXX XXXX in XXXX. We arranged a monthly debit of XXXX to pay down the balance and to pay the remaining balance due by the end of XXXX XXXX. Capitol one would not put this agreement in writing. To date, we have asked them if we can extend the payments through XXXX and pay the remaining balance by XXXX XXXX XXXX. They tell us there is nothing they can do. And they will charge off the account by XXXX XXXX if we do n't pay in full. They also deleted all account information on their website. We fully intend to pay the balance in full but need some extra time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
For the last 3 months or so, I have been receiving calls on my home phone ( never leaving a message ). In XX/XX/XXXX, I received and answered XXXX of the calls. I was spoken to by a female who repeatedly asked my name, while not replying to my questions of why they were calling. After I heard XXXX of the questions was for an address that my adult son had lived at, I explained that I was not the person that they were looking for, and had never lived at that address. She then asked if I lived at the address of my house, to which I replied " Of course I live at the house that I own '', and asked her how she got my number. She stated that her collection company represents someone that is owned debt. I informed her that someone there needs to learn some simple investigative skills, and realize that they are calling the wrong person! The calls stopped for about 5 days or so, then started again. They call XXXX to XXXX times a day at varying times. Today on XX/XX/XXXX, I received a third call for the day ( once in a.m., XXXX, XXXX ), and I answered. I did n't hear anyone, so I stated " Welcome to XX/XX/XXXX, how may I help you? ". After no answer, I advised that I would be seeking legal action against them if the continue to call me, knowing that I am not the person that they are looking for! At XXXX, I called the number listed on the caller id ( XXXX ), and spoke with a man, too whom I gave my name and phone number to. I also informed him, that the companies undue harassment will not be tolerated, and that if it does not stop, I will seek to sue them. I explained that, I have lived at my address since XXXX, and obviously I could n't be the person that they are looking for as previously explained in a prior phone call ( since each time speaking, both repeated that the call was being recorded )! I also informed them that, as a retired XXXX XXXX XXXX, I have nothing but time, so they need to stop their unlawful action now! He just said that he understood. Somehow I doubt that they do understand, if all calls are recorded and not once does someone listen to them, or use any investigative, or deductive thought!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Upon review of my XXXX report I noticed company named : CAPITAL ONE BANK USA N listed and reporting incorrectly which has caused denials from my applications. This account was a prepaid account in which I paid into the Secured account. I was never late on any payments as this account is being reported falsely. This account is showing under XXXX under status " Closed '' Late with a XXXX. This is not accurate reporting. I am requesting this be removed from my credit file. This item is also showing on my XXXX report as " Closed '' and Paid. This item is showing on my XXXX report " Closed '' payment status is " Unknown ''. It is clear that this company has been reporting to all XXXX credit bureaus inconsistently reporting inaccurately caused credit application denials and inconsistent credit scoring. This company has reported XXXX different ways on each report. This company is reporting false payment status, This company is reporting false terms, It has never been late. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have an unverified account from CAPITAL ONE BANK. I had previously disputed this account. I have never done business with CAPITAL ONE BANK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAPITAL ONE BANK Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAPITAL ONE BANK Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Opened my Capital One credit card never was late on a payment. After I start noticing issues with my bank I still never missed a payment closed that account and opened XXXX Bank. In XX/XX/XXXX I called to make a payment and the customer service rep told me just pay out of my account and I was explaining to him I did n't want to do that with all the issues I was having and I did n't want my payment late he assured everything was ok. I went to my bank had them send a letter to Capital One verying my account and number to make the payment I call back to Capital One and I 'm told my account is closed within XXXX minutes. I have called severs times talking with managers account XXXX and collections and have gotten nowhere. I feel what they did was so wrong especially since they were aware of my issues and I asked not to try and take the payment out my account. They closed my account and has not returned my security deposit to the date. I would like a fair chance and investigation and to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I returned merchandise to XXXX and sought a credit via my Captial One card. After several months later and providing evidence of the fact, I was rebilled by Capital One for merchandised returned at a 27 % interst rate. I still do n't understand their dispute process to credit your account and later re-bill you with substantial interest. I seek to complain about this particular issue and this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capitol One Mortgage claims in XX/XX/XXXX FEMA notified them that my house was now in a flood zone. Told them my house had not moved nor had the river. They did a forced-placed insurance policy for {$3000.00} a year flood insurance, due to me not providing proof of flood insurance for XX/XX/XXXX they again forced-placed flood insurance and added the cost of XX/XX/XXXX and XX/XX/XXXX coverage to my monthly payment in XX/XX/XXXX. Which doubled my monthly mortgage payment. When inquired how they determined my house had managed to move itself into a flood zone they said FEMA notified them and gave FEMA 's XXXX number to inquire myself. I contacted FEMA, who advised that my home was NOT in a flood zone. They did n't understand how Capitol One would think I was. FEMA sent me their maps showing my residence was indeed in the " XXXX ''. Provided the maps to Capitol One who said the maps were n't enough proof, regardless of the fact that the map shows its from FEMA. The required a LOMA. Asked why I had to get an amendment since their was nothing to amend due to my house NOT moving into a flood zone. They did n't care they demanded a LOMA letter before they will consider removing the forced-placed flood insurance. The LOMA takes up to 60 days to get, I filed request on XXXX/XXXX/XXXX. 
The adjusted mortgage payment did n't start until XX/XX/XXXX, I made what I know to be my normal mortgage payment on time, they refuse to credit it to my mortgage because according to them it is n't the full payment. So they have my money and are just " holding it '' Well it 's my normal mortgage payment the part I have n't paid is their insurance payment. I have n't made " my normal '' payment for XX/XX/XXXX yet because I pay on the last day of the month and they are already threatening foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I contact Capital One to Report my Credit Loss the representative XXXX indicated when she put in my social security number nothing comes. Can you please tell how that so when I have credit with Capital One. Pleas review Capital One system and check for my Credit Card and make sure they working within the Federal Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A debt collector from XXXX XXXX at phone number ( XXXX ) XXXX called me on XX/XX/2015. The collector asked for me by name and I said yeah eventually. She then informed me that a had a debt for Capital One Back in the amount of {$500.00} dollars. I then asked her if she was going to verify if I was the correct person by Social Security number or Birthday and address and she just kept confirming my name. I then asked her if she was suppose to give me the mini Miranda by law since she just told me everything without verifying and she did not say it. I asked her if she was required to verify and give the mini Miranda and she ignored my question and kept confirming my name. I asked her to transfer me to a manager. The manager got on the phone and I informed him of what just happened. I asked him the same questions and he told me nothing but who I called and if I wanted to resolve the debt. I then asked him if he was a third party agency and he ignored my question. The manager did not verify or give me the mini Miranda. I then asked to speak to his manager. She came on the line and identified me by name she then immediately gave me the mini Miranda and I said. " so you do have to say it! '' I then told her about her other XXXX reps and she responded that they do not have to verify because they bought the debt from Capital One. Which still makes them third party. I am filing a complaint in reference to this call. I feel that if anyone would 've answered the phone and said they were me they would 've disclosed all of my information to a third party. I do not feel comfortable having my personal information in the office of XXXX XXXX simply because of this call and the negligence of the procedures they have in place. This agency is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
In 2008 I lived in a shelter for XXXX and had my identity stolen and a fraudulent credit card was used by someone using my personal information. I reported identity fraud years ago but this credit card is still being reported to the credit reporting agencies and a third debt buy agency has purchased this debt and trying to collect it from me. In the amount of $ XXXX.In addition the statue of limitations has run out on this debt and when these debt buying agencies report it as if it were a new debt. It is a capitol one Bank card. I never received this credit card and would like to have this removed from my credit reports. I do have records of a previous debt buying agency sending me mail and trying to collect this debt. I also have a copy of a credit report from years ago with this credit card on it back in 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a Capital One card with a 25.1 % interest rate, but it was higher than that for years. I have been calling for years to lower that rate but they never help me. I ca n't seem to get it down, and I am only working part time XXXX. I was laid off my full time job a year ago and I just want to get rid of that card. I also have another card with them and have always paid on time, and more than the minimum payment.. They just tell me to keep calling back and I do call back and get no results..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
When I signed up for this credit card I was told and reassured several times about certain " service protection plans '' I paid for monthly would cover me in the event of any accidents or unexpected short comings. Job-loss and unemployment protection was XXXX of them, I paid my bill monthly and kept it current. Then my employer unfortunately had to closed down and I was left unemployed. Still continuing to pay with what I had to give, I was under the impression by what the company representatives previously told me, that my protection plans I was paying for since day XXXX would kick in for me. I apparently was wrong, not only did they use misleading tactics to get me to pay for a service that was more money out of my pocket but it did absolutely NOTHING that they had previously told me that it would do, or cover! This is beyond unethical and morally corrupt as a major company to be misguiding its customers for profit like they did me. At the end of the day I could not afford to keep up and instead of taking care of the issue like the " service protection plan '' promised they sent me to several debt collectors until ultimately being sued for it, having to pay several other fees in addition to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: LA

Complaint narrative:
On XXXX XXXX, XXXX my mortgage servicer, Seterus, contacted someone unaffliated with my mortgage - my ex-wife. Our divorce was finalized in XXXX XXXX. The mortgage orginated in XXXX XXXX ( Seterus acquired the note XXXX ). Seterus has my contact information as well as my current wife 's contact information on file with the account. Yet, Seterus called my ex-wife 's house phone number which is listed under her current married last name and is different than the phone number that we had when married. The Seterus representative asked for me by name. The representative did not disclose why they were seeking me and refused to remove her name & number from the account at her request since she is not personally connected to the account. Seterus verified that they have my contact information on file as they contacted me via cellphone on XXXX XXXX, XXXX. The representative stated during that call that I was contacted on XXXX XXXX, XXXX, which I corrected. There is absolutely no way that my account with Seterus has my ex-wife 's information associated with it. My specific complaint is that Seterus conducted itself in an unprofessional, haphazard and wreckless manner by intentionally contacting someone unrealted with my account. This continued practice easily could result in Seterus breaching confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
someone hacked into my Capital One 360 account and took {$30000.00} over a 6 week period ; no one from Capital One notified me and it took me many hours on hold and many phone calls for them to deal with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was contacted via email by Capitol One at XXXX PDT on XXXX/XXXX/16 regarding potential fraudulent charges. In fact, they were in the amounts of {$900.00}, {$950.00}, and {$8.00}, which maxed out the limit of the master card. After filing the necessary information with Capitol One, they credited the account for the charges plus all associated fees. But, they refused to release the available credit pending the investigation up to 90 days. 

So basically, I 'm being punished for fraud and have XXXX available funds to the card for 90 days. Given that I have contacted the businesses involved, gotten the suspects physical description from a business and subsequently filed a police report, spoken to multiple police agencies where the fraud occurred, filed this report ; I do n't see why I 'm being punished for this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I posted my credit card payment the day it was due, XXXX XXXX. However, I live on the West Coast and was not able to do so until after XXXX, or after XXXX Eastern. As a result I was charged a late fee and interest. When previously trying to pay my bill, their website was often down, preventing me from doing so. I paid my bill on the correct day, and was still charged a fee, despite never having been " late '' before. I called customer service to find out what happened and this was what they explained to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
This credit card account is just now coming to my attention. I did not open a credit card through HSBC bank based out of Nevada at any point.

Company response to consumer: Closed with explanation