vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Kohl 's department store continues to contact me numerous times each day, and no matter what they leave voicemails that repeatedly disclose that they are trying to get a hold of me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Credit Card cont. showing me that I owe them $ XXXX or more to all XXXX credit Bureaus. Why? This card was paid off 4+ months ago. 

RE : Account ending in XXXX XXXX, As requested, we 're notifying you that as of XX/XX/2016, your Capital One ( R ) MASTERCARD PLATINUM account balance is $ -XXXX. This balance does not reflect pending transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX, 2016, I contacted a company by the name of XXXX on XXXX. This was an emergency clean up, for a couple who 's elderly parent was coming from XXXX. This was a Thursday, and I needed the service for the next day, Friday, XXXX XXXX, 2016 by XXXX. There was only a booking page and I booked the service. When I received the confirmation, it was scheduled for the next Friday, XXXX XXXX, 2016. I immediately emailed the company and told them this needed to be cancelled because I needed the service the next day. I have all of the emails. When they finally contacted me, the Customer Support, via email, said they would contact the XXXX company to try to accomodate the request. After going back and forth, they could not clean the home on the day needed. Not at one time during the emails with customer support did they tell me, in any way, that I could not get a refund. While waiting, I decided to chat with their on-line chat specialist. She is the one that said I could not get a refund, just a credit. At this time, I contacted my credit card company, Capital One ( XXXX ) .They issued the {$90.00} credit to my account while they contacted the merchant. A few weeks later, the merchant sent them some information, and they re-charged my account the {$90.00}. I was then told to send them all the info. I had ( which were emails ), there was never a receipt or terms and conditions, just an email confirmation. I sent these items on XXXX XXXX, 2016. The next day, the Capital One representatives told me that the merchant sent them terms and conditions and that the charge is non-refundable. This is not right. They never provided me with these terms and conditions and I have never used their service and definitely, I will never use their service. They are forcing me to pay for a service I never used and do n't want with vague, policies that they do not disclose upfront. Obviously, Capital One can not handle the situation. However, this XXXX company has n't provided any service and I am not paying for a service. I have paid all of my capital one balance except {$90.00} so that when this is resolved I can close this card. Customers should not be treated this way with a company trying to force someone to use their service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was charged by XXXX for classes that I did not attend, that I did not authorize and that I did not contract for. The charge was billed on my Capital One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been dealing with Capital One Bank for years. Have always paid on time and unfortinutley, have had to use them, after paying them off several times. I have spoken to them about there interest rate and have not been able to get anywhere. There rate on purchases, 15.90 % APR. This interest rate is rediculas and according to there record, on a balance of {$8900.00}, paying the minimum, in XXXX years, you would have paided {$20000.00}, pay off in XXXX years, {$11000.00}. Is there anything that can be done with this high interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: FL

Complaint narrative:
XX/XX/2016 I pulled a copy of my credit report. I sent a certified letter on XX/XX/2016 to Capital One Bank USA XXXX XXXX XXXX XXXX , XXXX, VA XXXX, which was listed on my credit report requesting validation of this account, made pursuant to the Fair Debt Practices Act FDCPA & 807 ( 15 USC 1962e ). I requested that if they can not validate the debt, that the entry be deleted from all credit reporting agencies. Validation on this account was not sent to me. On XX/XX/2016 i again sent a certified letter to Capital One informing them they had not provided me with a copy of any viable evidence bearing my signature and that they had also violated federal law by not replying to my request that was sent on XX/XX/2016. Capital One did not respond with viable evidence after the second letter either. Capital One did not furnish the credit bureau 's with the required disclosure within the period required by law. Federal law requires them to place a " notice of dispute '' on my account within 30 days of my my original disputed letter which was sent on XX/XX/2016 and the second letter on XX/XX/2016. Capital One violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. Capital One has continued to ignore my requests for validation on this account and furthermore broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I was charged late fees on more than one occasion and no one seems to want to remove this issue in a timely manner. 
About 2 billing cycles ago, I went into the walmart store to make a {$25.00} payment on my walmart credit card. I did n't have the actual statement with me but since my previous minimum amount due was {$25.00} that is what I paid. The next month I realized that my payment was actually {$4.00} shy and I was charged a {$35.00} late fee!!!!!! I immediately contacted customer service to complain and was told that the late fee would be removed. That said, I made my normal payment on the due date and was charged ANOTHER late fee. Today, on XX/XX/XXXX after noticing that nothing has been corrected and that late payments are still being applied to this account, i paid {$35.00} as everything else is late fees that are continuously being applied to my account all over a payment that was MISTAKENLY {$4.00} shy. I had also requested months ago that my payments be due on the XXXX of each month, I believe that request only lasted for one month and now the payments are due on or about XXXX/XXXX of each month which is not what i requested at all. Lastly I want to make sure they WM is NOT reporting that I have been paying my account late to the credit agencies because that is not the case!! I would have loved to get this issue resolved via customer service but no one over there has been of any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been receiving credit card offers for my XXXX year old daughter. I called Capital One and asked them to please stop sending the applications several times. they continue to send the applications to my daugther.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I believe that I my consumer rights are being violated by Capital One Auto Finance. I refinanced my car with Capital One Auto Finance. At the time I chose the terms that my loan would be for 65 months at {$290.00} per month. I received documentation that this would be the terms of the agreement. 
I received documentation through the mail that the terms were different from what I signed up for. I contacted Capital One 's customer service dept. and explained the situation. The representative assured me that my terms were correct and that it was a mistake on their part. Meanwhile, I continued to make the monthly payments of {$290.00} per month. Capital One started contacting me that I owed additional money. At first I assumed that it was taking them a while to get the mistake corrected, but after being contacted again, I spoke with them and told them that I believed that the amount was in error because of what I signed up for. That is when Capital One decided to tell me that they did n't do it for that amount because the refi amount was different. Capital One never notified me of any of this through the mail. They just continued to show that I owed {$20.00} and even threatened repossession of the vehicle, when I was making monthly payments, that I believed were to be correct. 
Now, I notice that Capital One Auto Finance has reported to the credit bureau that I was over 60 days late on {$20.00}. I find this to be unfair, especially since I was making my monthly payments and was under the assumption that the terms that I signed up for were correct. I would like for Capital One to resolve this matter before legal actions are taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I ordered XXXX XXXX ounces of patriott power greens from XXXX around XXXX, received the product and got billed for {$58.00} on XXXX XXXX, 2016 and this was a plain one time order and no monthly automatic order was mentioned or talked about.received another merchandise on XXXX XXXX and got billed on XXXX XXXX. I immediately returned the product at the post office, return to sender process.Called the company and cancelled any incoming order. I received a credit on XX/XX/2016 for {$58.00} towards the charge for the XX/XX/2016..Then on XXXX XXXX, 2016, the company sent me another merchandise and got billed for $ XXXX.I then returned the product thru the post office return to sender system.Then i received a {$58.00} credit on XX/XX/XXXX for the purchase on XX/XX/XXXX.Then Capital one rebilled me for {$58.00} on XXXX XXXX, 2016 for the XX/XX/2016 which was credited on XX/XX/2016.Then on XX/XX/2016, Capital one rebilled me for {$58.00} against the credit of {$58.00} on XX/XX/XXXX.In summary, I kept XXXX XXXX ounces of their product, returned XXXX of products that wasnt ordered, then Capital one rebilled me {$58.00} XXXX times..total of {$110.00} hard earned dollars ... ... Their information ... phone number XXXX Patriot HealthAlliance ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I have disputed with Capital One with the bureas neither the bureas or Capital One put the account under dispute on the credit reports. Violation of FCRA. I have forwareded this to my lawyer for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
We are having a problem with Capital One Bank and Menards. We opened a Menards credit card with Capital One to buy kitchen cabinets. The cabinets on display, which we fell in love with, were a higher quality than the exact same cabinets we purchased. The cabinets we received had staple marks on all the finished end units. XXXX cabinet had the toe kick plate missing. Another cabinet had an exposed nail bent over sticking out of it. When we brought it to the managers attention, he said this has never happened before. Yet, he said he would order us new cabinets to replace the damaged cabinets. However, the replacement cabinets would arrive with staple marks showing on all end cabinets. He ordered us skins to put on the end cabinets ; which we had to pay our installer to cut down to size and install. This was not told to us by the salesperson. She obviously wanted a sale so she omitted pertinent information we needed to make an educated decision. We still had issues with the cabinets and called Capital One to let them know what kind of company they were representing. They stopped taking and returning my calls after XXXX told me that Menards would have the cabinet company call me to fix the problem. To this day, they have n't called. I have since received a letter from Capital One stating that Menards did nothing wrong and my account would be removed from disputed status. Menards and Capital One must have one sweetheart deal going. Stick together and stick it to the customer! In my opinion, Capital One is now an accessory to fraud. Menards is refusing to partially reimburse me for all the aggravation and frustration we are going through, not to mention the extra money we had to pay to have our contractor install the corrections. They wo n't even exempt my account the late charges and fees accruing since I refuse to pay until the case is really settled to my satisfaction. I am hoping you can help me. Pictures are attached. XXXX picture shows the corrected skin installed that was n't cut exact and is now noticeable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had an account at Capital One 360 account. The bank recently changed their log-in process so that though I knew my user id and password that was not sufficient. I was required to request a verification code that was to be sent to my email address on file. I tried this 3 different times but never received the verification code. At that point I called customer service to gain access to my account ( a federally insured savings account ). After 5 minutes on hold my call was answered and I was told that this was a two week old process and that it was having technically issues and that they were unsure when it would be resolved. Apparently the verification code emails were being processed by many email servers a spam and taking hours to be delivered even though the code is only good for 10 minutes. This basically amounted to denying me access to my account, they had no provision for texting a verification code to my mobile phone. The only option was to provide them a different email through a different email provider such as gmail, yahoo, etc. 
otherwise I had no access to my accounts or funds until they fix this problem. No institution serving as a bank should be able to basically deny access to individual accounts due to the bank changing procedures not vetted or tested to assure customer access to the consumer 's accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I requested a new Credit Card " Barclaycard Arrival Plus World Elite Master Card '' in XX/XX/2017. One of the benefits I valued was Trip Cancellation/Interruption insurance. Upon arrival of the first card per XXXX I was able to find Document " Guide to Benefits XXXX '' ( appended ). It offered coverage of {$5000.00} per trip/ {$10000.00} per year ( page 26 ). The year 2017 was clearly marked on the document ( Last page ). When a second card arrived in the mail, it had an insert " Guide to Benefits XXXX '' which offered only {$1500.00} ( attached ). I have faxed twice to Barclay Member Services, and received absolutely no satisfactory answer. They did not even acknowledge the question or address it in any way but referred me to the telephone number on the back of the card. The telephone info I received was again that the benefit was {$1500.00}. This constitutes flagrant false and misleading advertisement and a company unwilling to respond. If I were to need the coverage for my upcoming trip I could loose {$10000.00}.

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
Consumer complaint received 2016-11-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We made arrangements to pay the account current and I was told by the agent XXXX that we were not late in XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX and because we had filed a grievance before with the CFPB they have retaliated against me and not only said we owed for XX/XX/XXXX but also show late for XX/XX/XXXX on my credit as well and wont remove it. They keep saying its not late and it doesnt show late in their computer but on my credit report it does.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-18 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CapitalOne Bank advertisement is false and misleading. On XXXX, CapitalOne is stating that their Capital One ( R ) Platinum Credit Card has : Pay no annual feeGet access to a higher credit line after making your first 5 monthly payments on time Fraud coverage if your card is lost or stolenAfter 8 months of having a XXXX balance CapitalOne never increased my line of credit, even though I 've always paid the account in full every month and had no late payments. I feel that they bated me into signing up for their credit card and now they are switching the terms of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I submitted an application to deposit {$4000.00} into a 12 month CD with Barclay 's bank. They requested XXXX # ; XXXX bill ; SS card. I sent all except SS card as I was unable to locate it ( I sent Medicare card as it showed SS # ) They then requested a copy of annual SS statement which I sent. They continued to stall for no reason I could understand, requesting SS card even after they asked for and received copy of SS letter. I have since deposited funds into XXXX other cds. I just thought someone should know there is obviously a reason for all the issues Barclay 's bank has been having with federal regulators, I assumed they would be more aware of new customers needs and be more customer conscious. I have emails supporting the above. Thank you for listening.

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
Consumer complaint received 2015-11-13 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The merchant credit card had a 0 % interest offer. They failed to properly disclose that after the promotional. All of the interest that was waived would be added to the balance. This was not adequately disclosed at the turning the credit was used. When I called the customer service center, they told me that if I paid the bill right away, that the interest would be waived completely. Two months later, they failed to do this and withdrew money from my checking account without authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
The Sychrony issued excessive credit to me through Walmart, and Amazon. Now, I 'm learning that i 'm over extended and unable to repay this creditor for XXXX seemingly different accounts.

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
Consumer complaint received 2016-09-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
About three years ago I purchased a mattress from Sleepy 's. The cost was about {$3500.00}. Since this was a new memory foam mattress, Sleepy 's did not discount the price but I was told that, as long as my credit checked out, the 'loan would be interest free, ' as long as I made my payments on time, I was given a Synchrony Bank credit card, and I put the payment schedule on my XXXX On-Line Banking account to ensure that the payments were made in plenty of time to meet the deadlines and I would never be late making a payment. 
Recently I opened one of my statements for this account and noticed that I was being charged nearly {$1800.00} in interest. In calling Synchrony and asking how this was possible since I had made all the payments on time, I was informed that I had failed to repay the principle by the end of the 'holiday period ' and therefore was being charged interest at the rate of 29.9 % retroactively from the time I bought the mattress, a fact that I was totally unaware of when I bought the mattress. 
I am XXXX years old and have been a XXXX for over 50 years. I also have a XXXX income and a XXXX net worth so the amount of money involved is almost immaterial to me. However at the same time this type of behavior totally incenses me. It is bald faced trickery. The only excuse for making this type of loan in the first place is to collect 29,9 % interest from people who have little or no credit risk. I am sure somewhere in the 'fine print ' of the original contract this fact ( the 'loan holiday ) was described, probably in great detail but how many people in my business especially have time to read contracts like these, and how many poorer people can understand them?

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 monetary relief