vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Friday XXXX XXXX, 2015 we called Capital One home mortgage in response to an unsolicited e-mail for a home mortgage. XXXX XXXX XXXX took all our personal information, stated he never saw such great credit scores from a married couple and issued us a prequalification letter to take to XXXX while looking for a vacation home to purchase. He invited us to telephone him at any time for assistance. We found two homes and our first choice was on leased land. We telephoned leaving a message for XXXX XXXX. Would leased land disqualify us. In his outgoing message he ask that we also send an e-mail. We did this also. We never heard from him and had to leave XXXX for home in XXXX as our allotted time was over. The week of XXXX XXXX, 2015 we telelphoned XXXX XXXX XXXX, the supervisor of XXXX XXXX and left a voice mail asking him to contact us. On XXXX XXXX, 2015 a women telephoned us and identified herself as a " concierge '' from XXXX home loans. She was following up on our app " to help us with the process '' and not responding to our attempts to contact loan officers. She said XXXX XXXX was in the office this day but not at his desk. She stated she would have him call us upon his return. He did not. On XXXX XXXX, 2015 I called the general phone no. for XXXX loans. I talked to XXXX and told him this story and that no one had ever made contact with us. He promised a supervisor would call us this same day. No one has ever contacted us. We lost the opportunity to purchase either of the home we wanted not to mention the hundreds of dollars we spent in our quest. Our advise to all others ... .stay away from Capitol One Bank or be sorely disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have asked to verify debt and I did not get a response and verification

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One is reporting XXXX mortgage accounts on my credit report that are in violation of the Fair Credit Reporting Act. They are reporting the last reported date as XXXX XXXX for the accounts below when the last late lates were made in XXXX XXXX. 

This caused me to get denied for a mortgage because it made it seem like I was late within the last year since the last report date was XXXX XXXX. 

The account numbers are XXXX and XXXX. 

There is no balance on the accounts and I even disputed this account months ago and they verified it as accurate which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
XX/XX/XXXX I tried to cancel a gym membership at XXXX in XXXX XXXX because I moved out of state XX/XX/XXXX. I followed all the instructions to cancel my membership, paid I paid a {$50.00} cancellation fee, a check for {$100.00} and {$79.00} for membership dues outstanding. All of these checks were cashed by ABC Financial, the financial company for XXXX XXXX. I also mailed a copy of my Arizona ID and a letter expressing my wish to cancel by certified mail as they requested. ABC Financial continued to send letters saying my account was past due. When I called to find out if they received my cancellation letter, they said my Arizona ID was not readable, and therefore they could not cancel my membership! XX/XX/XXXX, I received a notice from a collection agency called XXXX XXXX XXXX, saying that I owed XXXX {$1400.00}. I ignored this notice, not realizing that this would turn up on my credit report and ruin my credit rating. This company is very disreputable and I made every effort to cancel my membership. I do not know what to do at this point but strongly dispute the claim that I owe them any money at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I do not owe this debt. I changed insurances in XX/XX/2011 and have not had XXXX since then. Also I have never owed any balances since I canceled the policy and changed to another insurance before the next month was due. This debt collection is attempting to collect illegally a debt that does not exist. Also I 've never lived in an apt as they have listed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Repetitive unauthorized charges to credit card account - when I call the business ( XXXX ) they argue with me and say that my wife authorized the charges when she charged a rental car from XXXX XXXX XXXX XXXX on our credit card account -we have the rental car statement printout and there is no such charge reflected. XXXX will agree initially to " cancel the membership '' PROSPECTIVELY - but not give a credit for the unauthorized charge. When I press the matter ( XXXX ) about this being a fraudulent, unauthorized charge ( and threaten to contact the FTC or file a class action lawsuit ) - they agree to issue a credit. This has happened repetitively. This is scam. The FTC or someone in the U S Government needs to investigate XXXX XXXX XXXX XXXX and/or " XXXX Shopper ''. Someone similarly situated to me who is not a lawyer and who is not versed in their legal rights would probably not receive a credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX/XXXX/2015 I requested Capital One to remove a fraudulent charge, they refused. A police report was filed with the XXXX County Police Department and all XXXX credit agencies notified, a warning placed on my credit of ID theft. Officers found I was a victim of identity theft. Bank denied my claim and continues to state they are correct and I am indebted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a series of complaint against Capital One selling me credit card protection insurance and not providing services. We have not arrived at a settlement. 
XXXX XXXX XXXX completed about 7 weeks of research in my case and piggy back on XXXX XXXX XXXX work that I was notified in my bill about steps to take to filed for insurance protection -- See their CFPB response letters and bills attached. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Per XXXX XXXX XXXX : " Additionally, you have concerns about not being informed of Payment Protection services on your account when you were unemployed. Please understand, we advise our customers on their monthly billing statements, when delinquent in their payments, that they may be eligible for benefits to be paid to their account per the terms of their Payment Protection agreement and include the contact information to investigate benefit availability. Our records indicate we advised you on your statements of this information, which are enclosed for your reference.. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- IT WILL BE INTERESTING HOW THIS PARAGRAPH WILL BE EXPLAINED IN COURT WHEN THE EVIDENCED IS INTRODUCED. CANT HAVE IT BOTH WAYS. 

Their own evidence indicated that their are providing false information. Please see their bills that they have attached as a response to a CFPB complaint. They made no mention of the insurance program. They just wanted to be aggressive in collecting due amount instead of notifying me that arrangement can be made through the insurance. 

Thus, again this is part of my proof that Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed or disable. Capital One made monetary restitution. The representatives were more interested in hounding for payment instead of applying the protection benefits. 

I am determined to exposed the fraud that was committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
Ocwen Financial keeps claiming they have not received proof of insurance on our property. However, our insurance company has sent them proof via mail AND fax four times ( and they have n't submission confirmations for the faxes ). I have called Ocwen three times now and each time they say they do not have proof of insurance. I received certified mail from Ocwen today, saying this is the final notice before they purchase force placed insurance. This is extremely frustrating, as proof of insurance has been sent to them so many times over the last few months. Given Ocwen 's notorious history of fraud and abuse over the last three years, I would n't be surprised if Ocwen is intentionally " not receiving '' homeowners ' proof of insurance in order to make some money off the force placed insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
my account on their web site is not functioning, linkage is there but I could not open it so I could not see all transactions or detail. I asked them to fix it but they did not so request to get some paper bill but they did not so they are harassing me. 
I earned some interest and reward money but they did not send me any. 
There is no trust between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
I have never opened an account or had an account with these people. This is a result of fraud and identity theft. I have disputed and contacted them with no resolution.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have contacted Capital One XXXX time for information pertaining to a charged off credit card reported on all XXXX of my credit reports. They stated that the account was charged off when Capital One purchased XXXX. I said i have never received a XXXX cancellation of debt form and requested one XXXX separate times. After the third phone call received a XXXX form from another account i had with Capital One ending in # XXXX, not the one i requested. I extensive records of every credit card and credit card bill from over 10 years back and i can find no record of ever having this account or having this card with Capital One. The only information i can find about this account is on my credit report stating a balance of {$2700.00} and the last XXXX digits of the account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have authorized electronic/paperless delivery of all my monthly statements & bills for multiple accounts & have not incurred any problems with delivery other than Cap1/Cosco The membership renewal for Costco was sent to my spam folder in XX/XX/2015 which I do not monitor because I have not used the card to incur a balance since XX/XX/2015 due to prior issues with " their '' statement delivery. In XX/XX/2015 I was clearing my spam folder & noticed a Costco account alert e-mail. This was a renewal of which resulted in late charges & a credit report of a balance unpaid after 30 days, which in turn resulted in a XXXX point drop on my credit rating. Although the membership renewal was not paid since XX/XX/2015 I was still allowed use of the membership card for access & multiple purchases. My long standing credit file & payment history was recognized when I spoke with an account representative who said she would transfer me to a capitol one account representative who could further assist me in resolving my issue. The Cap/1 representative responded that it is their legal responsibility to report any balances due over 30 days to the credit reporting agencies & could not assist me any further. Although I can sense the outcome, I forge forward & recontact yet another Costco account representative who also recognizes my excellent credit history & is willing to wave the {$1.00}? balance due so that my account would be paid in full .When I first became aware of the renewal e-mail I did proceed to pay in full with late charges & all {$120.00} ( XXXX/XXXX/15 ). I have no idea were a balance due of {$1.00} relates to nor did the representative ( today XXXX/XXXX/15 ). Nonetheless she was willing to wave the {$1.00}, as well as offer a credit for {$50.00}, but could not offer any resolve to the 30 day delinquency as reported. I can provide copies & dates of all as explained per request. In closing, after all these years I have managed to adapt to the inevitable changes that we experience & accept everyday, but I just do n't get it. With that being said I hereby request " your '' review & assistanceSincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX I made a reservation for a hotel room on XXXX and when I went to check in, they required a huge deposit, which I did not have and was told they could not cancel the reservation but to contact XXXX and ask them to cancel it - which I tried, but was unable to get anyone live on the phone at XXXX. So on XXXX XXXX, I disputed this charge with Capital One and they issued a temporary credit. Then on XXXX XXXX, there was a transaction rebill for that {$74.00} which Capital One stated it was XXXX. The guys at Capital One informed me he would dispute that and make sure it did not appear again, which he did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-22 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: NC

Complaint narrative:
this account was opened fraudulenlty and is a result of identity theft but yet is reported on my credit report ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a letter dated XX/XX/2016 from Kohl 's that I had opened a credit card. I did not open any credit cards with this company. I called they and they informed me that an online application had been placed for a credit card in my name. Both were cancelled by Kohl 's, however, the inquiry still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LEXISNEXIS
State: IN

Complaint narrative:
I was notified by my auto insurance, XXXX, that my premiums were increasing {$120.00} annually partially due to a credit investigation by a contracted credit investigation company named Lexis Nexis. In XX/XX/2016 I was rear ended by a driver insured by XXXX insurance. All reports and actions were filed with both companies. The other driver was at fault. By XXXX I was asked to settle the claim by XXXX. They assured me that all claims to doctors and repair shops had been paid. I accepted. In XXXX I received a bill from XXXX for emergency services. I contacted XXXX and was told that the bill was never settled and to send it to them for payment. They would be suborned by XXXX. They were. In XXXX I was notified by XXXX that my premiums were going up in part because I made a collision claim. No one at the time I sent this bill to XXXX informed me that this would be a collision claim. I feel that XXXX failed to make me aware of this and also that Lexis Nexis never gave me a chance to look into this before they made a recommendation to raise my rates. This is deceptive practices to put an insurance customer in this situation without proper clarity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Great American Finance Co
State: IL

Complaint narrative:
Great American Financial account No : XXXX open date XXXX/XXXX/XXXX my last payment made was XXXX. Great American Financial claim to have received a payment on XXXX/XXXX/XXXX this is not true. I have as for validation and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2015 ; 60 days late as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one refuses to send confirming letter to provide to mortgage lender confirming that they sent a request to the credit bureaus to remove late payments from my credit reports. I have online chat sessions confirming they have requested it, but when I ask for confirming letters they do not want to send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am a Capital One account holder and was attempting to place a stop order on a large check due to inaction on the check for 30 days XXXX payable to the IRS ). In attempting to place the stop order, the fee related to the order was not disclosed, but rather you were directed to your account disclosures or to contact a toll-free number. After going through the Capital One 's long phone-tree to get to customer service, I was surprised to learn that the charge for stopping payment was {$35.00}. In my view, Cap One 's practice is unfair and deceptive insofar as it does n't clearly disclose such a large fee at point of entry and there is no link to any other fee disclosure. It would seem that this is clearly a violation of UDAP and should be remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this claim against Capital One credit card. I was told they will no longer bill me a annual fee and my credit limit would be XXXX. My credit limit has not charged for an entire year. I am pretty upset by this. I used this card all the time and can not get the company to do what they promise to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One discontinued my benefit of a Year End Statement Summary associated with my MasterCard, without giving written notice or informing me of the option to opt out of this change by cancelling the card 45 days before the change went in to effect. While attempting to resolve the issue with Capital One I was informed that the Year End Statement Summary would only be provided upon request, and when this service was requested by me, I was informed that it had been discontinued. This is a significant change in my and others opportunity to benefit from the use of this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol One paid a check from my account submitted by an individual as the payee and the signor. It is very apparent this check should never have been paid. The individual did not even attempt to forge my name on the signature line, the payee signed his name as if it was his account. When I notified the bank of the error, I was promised immediate resolution. After 2 weeks and 8 phone calls initiated by me, they will not refund my money unless I sign an Affidavit of Forgery in front of a Notary. They will not promise to reimburse the cost of the notary either. I should not have to consume my time to repeatedly follow up with the bank, only to be given false promises of resolution as well as contact from the customer service department that has not happened. Completing this document and having to get it notarized is not only inconvenient and time consuming, but should not be my burden to rectify the bank 's error. The lack of customer service from Capital One has been incredible. I WANT MY MONEY BACK, NOW!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Daily phone calls, no messages left. Calls start at XXXX and continue until XXXX.

Company response to consumer: Closed with explanation