vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
A credit card I had not requested supplied incorrect address to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been unsuccessful in getting Capital One Credit Card to refund to my Capital One checking account an overpayment that was made to my credit card in XXXX 2016. On XXXX XXXX, 2016, I noticed a double payment to my credit card had been made from my Capital one checking account. ( How that happened is another story ; suffice to say Capital One 's online payment system does not prompt you to verify either the amount of the payment or that you in fact want to make a payment. It just processes the payment for the full amount due as soon as you click in an email the " PAY NOW '' button. That seems to be a major flaw. ) In any event, on or about XXXX XXXX I called Capital One and asked for a refund of the extra payment amount. They agreed to do so. On XXXX XXXX, 2016, they debited my credit card for the overpayment, but the money was never refunded to my checking account. However, on XXXX XXXX, 2016, the credit card division surprisingly reapplied the amount back to the credit card. When I called on XXXX XXXX to inquire, they claimed that I had instructed them to re-apply the funds back to the credit card -- something I never did. I again asked them to refund the overpayment back to my checking account. On XXXX XXXX they again debited my credit card account. But as of today, XXXX XXXX, the refund is still not in the checking account. After 1.5 hours on the phone with them today, I was told that on XXXX XXXX all that happened was a " request to initiate an investigation '' as to whether the funds should be transferred, a process that takes 5 calendar days and, if approved, the transfer would take an additional 5 business days to appear in the checking account. However, no one at Capital One, either in banking or in the credit card division, could verify that the transfer had been approved. I have lost confidence that Capital One 's credit card division can handle this seemingly simple request, and ask that you intercede on my behalf. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX I applied for Capital One Card XX/XX/XXXX received an email that my card shipped However, I received a letter dated XX/XX/XXXX indicating " we have been trying to reach you because we think a fraudulent credit card account may have been opened '' I 'm not sure who they were trying to reach as I received no calls, emails, or other correspondence outside of this. XX/XX/XXXX I contacted your office and spoke to XXXX who I verified my full name, DOB, SSN, and full address for She indicated that what I provided was not enough information to verify my identity ( not sure how when those are standard HIPAA verification questions ) She requested my number and advised that it was n't acceptable she even requested my partner 's number ( who is n't on the account ) to verify which was n't acceptable either When I inquired what acceptable verification information was needed I was told she couldnt release that information She indicated I would have to go into a branch and verify my identity I requested all of this information in writing ( which has not been received ) On XX/XX/XXXX while setting up a joint savings account with my partner the system indicated that I already had an account ( not sure how when I never received a card ). I proceeded to call customer service and first spoke to XXXX who advised that I would need to send in a copy of my ID, a check stub, and utility bill to verify my identity ( I was not told this during the first call ). I then requested that the account be cancelled at which time XXXX transferred me to her supervisor XXXX. XXXX indicated that the card was under restriction and I would have to call Mon. and speak to a manager to cancel the card when my partner inquired why there was a restriction and why no one would provide us with information she advised her she was n't authorized on the account I advised XXXX that we were on speaker and I was still on the line She stated she couldnt verify my identity and disconnected the call! All I 've been trying to do is determine if someone else received the card and if they have been using it. No one will give me any information even though I 've requested the information in writing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I requested a new credit card from Capital One after having repeated issue with the billing department XXXX.  Capital One did issue me a new card with a new account number HOWEVER they DID NOT ADVISE me that unless I blocked XXXX from further access to my account XXXX would be able to access my account through a "credit card ID number".  Once XXXX did charge my Capital One credit card, Capital One refused to block XXXX after I filed a dispute stating that Capital One would remove the XXXX charge HOWEVER after a 90 day  investigation would place the charge back on my credit card if XXXX states I owe it.  To begin with the dispute is between me and XXXX, Capital One needs to stay out of the situation ESPECIALLY since Capital One did not properly advise me about XXXX being able to have continuous access to my account "no matter how many times the card is reported as lost or stolen".

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 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: TN

Complaint narrative:
I just find out that one of my account was put in collection without my knowledge or notification. I received collections calls on my cell any hours of the day and want this calls to stop immediately. They trying to scare me and intimidates me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A late payment of XXXX days hit on my credit report for a credit card that I did not know existed. There is no way this account is mine and and after getting a copy of my credit report, it was opened in XXXX. Can you please look at the history of this account and provide me with who opened it and how? XXXX has the account linked to an address of XXXX XXXX XXXX, XXXX, NJ which is where my ex-boyfriend used to live and it seems that he might have opened a card under my name illegally. If he did, then I will file a police report and identity theft affidavit but I am sure that after you do your research and what account the payment came from, you can see it is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Action Collection Service
State: ID

Complaint narrative:
Interstate Collections continues to call me for a debt from a person who does not live here. They have been told multiple times to stop calling here, but they continue to harass us.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2015-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In late XXXX, I opened a checking account using a promotion offering me {$400.00} if I opened an account and received XXXX deposits of {$250.00} of more within 60 days of account opening. I received XXXX deposits from my employer throughout XXXX but never received the {$400.00} that were promised. After contacting customer service, I was told repeatedly that I did not qualify for this offer because it was invite-only and I was not on their list, even though the offer page clearly showed my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX/XXXX/15 I tried to activate my new Capital One credit card online and the website said I had to call, when I called I got transferred to the fraud department, where an XXXX lady put me on hold for a long time. Without my knowledge she called my husband ( whom I am currently separated from ), she asked for me and he told her she had the wrong #. My husband later told me this and was very upset because she also asked for a XXXX XXXX as well and stated that it was Capital One calling about my account with a XXXX XXXX ( not clearly saying the name ). He was unaware of me even getting this credit card and I would have preferred to keep it that way. After, a very stressful day of dealing with this, I called the representative in the US and she explained no one called my husband. He texted me a screen shot of this number ( XXXX ) XXXX, that he was called from XXXX! I have never had such a complicated time activating a card! Also, I am extremely upset that my husband was called and concerned about where Capital One even got his phone number from!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I inadvertently made XXXX {$100.00} payments to Capital One. They refunded the money into my checking account and then billed me {$500.00} on a different account. I have been trying to resolve this since XX/XX/XXXX. They take all my information and then do n't follow up. This is the information that is relevant : Case Number : XXXX The account in question is : XXXX XXXX XXXX XXXX. This account is closed. They have billed an account that ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
my name is XXXX XXXX and i received a notice from XXXX XXXX SERVICES XXXX DEPARTMENT INDICATING THAT I OWE XXXX TO HOUSE HOLD FINANCE. I HAD SETTLED MY ACCOUNT WITH HOUSEHOLD FINANCE XXXX YEARS A GO. THEY FILED A LAWSUIT AGAINST ME AND THROUGH AN ATTORNEY SETTLED THE MATTER AND THROUGH MY XXXX XXXX XXXX ACCOUNT AT THE TIME I PAID IN FULL THE SETTLEMENT AMOUNT THAT WAS AGREED UPON. NOW AFTER XXXX YEARS PLUS THEY HAVE DECIDED TO REFILE AND BREACH WHAT WAS AGREED UPON AT THE TIME AND SWINDLE MORE MONEY WHEN THE SETTLED AMOUNT WAS PAID IN FULL AND THE MATTER WAS CLOSED. PLS HELP ME WITH CLEARING THIS MATTER OFF MY NAME. I HAVE PAID THEM IN FULL AND THIS MATTER WAS SETTLED OVER XXXX YEARS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
TO REBUILD MY CREDIT PROFILE. I APPLIED TO CAPITAL ONE CREDIT. APPROVED FOR THIS CARD BUT COMPANY REFUSED TO ACTIVATE THIS CARD. THIS COMPANY INSIST I AM NOT WHO I AM. I HAVE COOPORATED. BUT TO NO AVAIL. SO I SIMPLYH WANT TO CANCEL MY APP. BUT THIS COMPANY WANTS TO CHARGE ME AN ONGOING MEMBERSHIP FEE. I JUST WANT THIS COMPANY OUT OF MY LIFE. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I agreed to a balance transfer promotion which allowed me to get the money interest free for 12 months. I also made other purchases outside of that promotion. Today I want to pay off the balance transfer promotion amount. I called the company to get the amount and they advised. I stated I wanted to make that payment and I was told that because I have made other purchases and transactions, that my payments will first be applied to the new transactions/purchases and that based on their payment allocation abilities I the consumer am not able send in an amount for the exact amount due for the promotional offer and have that amount applied to the promotional offer which then leaves me to have to not only pay the promotional offer off, but also every transaction/purchase since in order to avoid interest on that promotional amount. This was never disclosed to me in any form or fashion. Other companies are able to specify which type of line the payment should go to " Specify where my payments are applied '' for example, but this company does not. Furthermore, I was given the wrong date to pay that promotional amount off, which has adversely caused me to be very stressed as I intended to pay it off when it was due and not earlier, they said a date earlier. I called again and got another date so now I really do n't know when it is due. I called to ask for my balance transfer consumer agreement and they advised that they could not give me that either. I asked where the general terms are, and they could not provide that. It is not in the best interest of the customer to apply a monthly payment to the line of credit with the lowest interest or to a promotion amount before applying it to an amount with the highest interest rate. That also happened without my consent. Their terms for " How my payment is applied '' state that " Generally, they apply it in a certain form or fashion, I as a consumer need to understand what " generally '' means, and how I can be satisfied by being able to make a payment to a promotional offer in its entirety without having to pay also purchases that were made afterwards that have no end date for incurring interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
back in XXXX 2016 was the last payment I made because of financial difficulties I started paying {$60.00} in XXXX and XXXX and they say that 's not enough. I 'm trying my best I live in a mobile home that the floors are caving in and am trying to get a new used one. Well because of them letting the whole world know that I was behind on my payments which I think is completely wrong it is keeping my scores down.This is the first time I have done anything like this. They wont even lower the interest. I am XXXX and cant do anymore than I can, i do n't want to be living on the ground

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One provided me mortgage disclosures at application, which they required me to accept before proceeding, and which I accepted, and provided an updated disclosure two weeks later that did not indicate the required XXXX insurance would be escrowed while taxes would be escrowed. That was acceptable to me. However, now that Capital One has processed my application, they are demanding that the insurance is escrowed. I object to that change ( not to maintaining the XXXX policy ) and have been told they can not " separate '' the insurance from the taxes in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I obtained a copy of my XXXX Credit Report which showed Capital One had ran XXXX requests for credit history information. These inquiries started on XXXX XXXX, XXXX. This was excessive so on XXXX XXXX, XXXX, XXXX XXXX an employee of Capital One, was contacted. He stated credit inquiries are ran as new applications for credit is received. On XXXX XXXX, XXXX, XXXX an employee of Capital One was contacted, she stated that once approval has been given additional credit inquiries are not needed, However, your payment history will be reported to the credit bureaus. On XXXX XXXX, XXXX, XXXX an employee of Capital One was contacted. XXXX stated additional credit inquiries will be made if additional applications for credit is received. I have not submitted any additional applications for credit in over three years. My account is current. If Capital One policy is to run credit inquiries when additional applications have been received, then constant inquiries into my credit history is not warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
I have a mortgage that was transferred to Greentree Servicing. Since the loan was transferred, the service is rude. Recently, my husband was off work due to a XXXX and we were late in making our payment. We advised Greentree that the payment would not be made until the XXXX of the month, when we would have another paycheck. They continued to call 3-4 times a day and also at my place of employment. I questioned this and told them that I had previously requsted that no calls be made to me at my place of employment. They indicated that the account was noted and they had called in error. In the past 3 weeks I have received over XXXX calls from Greentree at my place of employment by the same individual that indicated that my account was noted for no more calls. I had even gone so far as requesting that the phone number be removed from their system, yet they continue to call. My 2nd issue is that their billing statements do not list what the monthly payment is. We recently had an escrow change, and I paid that amount and the payment say in unapplied and was not credited to a payment. The analysis indicated my payment was {$1200.00} yet when I paid {$1200.00}, the payment again sat in unapplied and did not post to my account. Yet they continue to call me day and night AND at my place of employment. No where on the billing statement does it give a breakdown of what is due ;. Since the last notification I recvd for a payment change was the Analysis in XXXX, I have paid that amount yet, the payment still sits in unapplied. They refuse to indicate what the past due payment represents. Since the loan transferred to GT about 2 years ago, we were only late this one time XXXX XX/XX/XXXX 2016 ) and now the XXXX payment is sitting in undisbursed. They have an obligation to explain the amount due, which they do not. I want action taken against them for continuing to harass me at work multiple times a day when it is very clear that they have my request to not receive calls at work. Since my loan transferred, I have also been charged a late charge, when per my contract, I should have been. It indicates a late charge would be assessed on the unpaid principal and interest portion of my payment. I made the principal and interest prior to the end of my XXXX day grace period, yet they still charged me a late charge, because my escrow portion of the payment had not been paid ( I paid that the following week ). They are impossible to work with and do not answer questions when asked and frustrate me to the point where I ca n't take their calls. I have no intention of defaulting on my loan but they continue to treat me rudely and threaten me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
A few months ago I recently reviewed my credit file. I noticed that there was items on my credit file that did not belong to me. I have sent dispute letters to both the credit agencies and CNAC. I did not receive any response back from CNAC. The credit agencies get stating that they verified the information. Since then, on XXXX XXXX, 2016, I sent Fraud Affidavits to CNAC and to all XXXX of the credit agencies. Even after all of my efforts to get this item removed, CNAC still have not removed this item. This is not my account. I did not open this account or authorize anyone to open this account in my name. Please assist me in getting this matter resolved. They have received the Fraud Affidavit because I mailed it Certified Return Receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One unilaterally closed my credit charge account on XX/XX/XXXX while I was traveling XXXX in XXXX, XXXX XXXX XXXX. I used the card to pay for a rental car " XXXX XXXX Rent A Car '' and one day later my account was closed without explanation. Capital One falsely/erroneously reported to the bureaus and myself that the account was closed " at the consumer 's request. '' I believe that Capital One 's decision to unilaterally close my account that was in perfect standing for 14 years was racially/religiously charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 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: IL

Complaint narrative:
Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for XXXX years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In a letter dated XXXX XXXX, 2013, Capital One Bank agreed to satisfy a default judgment against me which had been fraudulent obtained when the process server claimed to deliver it to an address where I had not lived for several years ( previous CFPB complaint CFPB XXXX ). As of today, more than a year later, XXXX County court records indicate they still have not done so. I need for Capital One Bank to do the right thing, as it promised in 2013. Thank you.

Company response to consumer: Closed with explanation